23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/28 I received a refund in the amount of {$320.00} from XXXX to my Venmo account. On XX/XX/28 I initiated a transfer to send my refund to my bank account, and Venmo then stopped the transfer and kept my money. Next, they froze my Venmo account and asked me for a picture of my drivers license to unfreeze my account. I then emailed the my DLs and then they deactivated my account and did not provide an answer as to why, and they didnt refund my money.
Product: Debt collection

I am writing to file a formal complaint against Jefferson Capital System This company may be improperly collecting on a debt/ REPORTING an authorized account. I am thus seeking further proof of the debt allegedly owed. 

To help you identify me, my name is XXXX XXXX. My date of birth is Date of Birth :XX/XX/XXXX My Social Security Number ends in SS # : XXXX Please forward this complaint to the agency mentioned above. You may reply to this complaint by email or written mail. 

Mailing address : XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit bureau has reported a chapter XXXX bk on my credit report and they say they are verifying their Information from the court I have a letter from the court stating they dont and havent reported information regarding me to anyone but they wont stop reporting this unverified information.
Product: Money transfer, virtual currency, or money service

I made a transfer on XX/XX/2020 of an amount of {$5400.00} to Citi Bank from my external bank. Citi claims the transfer was rejected and should be returned 3 to 4 days from XX/XX/2020 for the transfer to be process. After 5 days, still nothing showed up, I went to my external bank and they showed the transfer was cleared to citi and nothing was being sent back. I have been calling Citi for weeks and they claim to not know where the money is. 

I received statements from both bank and a detailed transcript of the transfer with the tracing number. Showing on my external bank there is a transfer coming out but no transfer coming in and it has been 30 days since XXXX. 

I also researched on transfer to citi and finding other clients having the same problem with citi bank. They would transfer funds and the funds would get rejected or the transfer would be complete, but then citi closes their bank account without notice and they keep the money. Citi has been doing this to multiple clients and stealing people 's money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has assumed my identity to apply and receive credit without my knowledge or consent. This has caused financial hardship to my credit profile
Product: Credit reporting or other personal consumer reports

I noticed a hard pull on my Experian report from XX/XX/XXXX by XXXX XXXX XXXX which I do not recognize. I have not applied for credit and did not authorize this. Tried disputing online, but Experians system directed me to call. Called Experian on XX/XX/XXXX to dispute the inquiry. XXXX said they couldnt remove it and advised calling XXXX. Called XXXX ( XXXX, number on report ). This routed me to XXXX XXXX, where XXXX redirected me to XXXX, whose department I couldnt identify due to poor call quality. I requested a transfer. XXXX transferred me to XXXX in XXXX, who said shed transfer me to XXXX. The call went nowhere, and I hung up. Called another XXXX number ( XXXX ). XXXX in Customer Service asked if it was related to a XXXX card, and I explained it was about a credit pull I didnt authorize. XXXX at XXXX customer service couldnt find XXXX XXXX in their system to dispute and suggested I call Experian.. I checked my other reports with XXXX and XXXX and this inquiry is not listed there, thankfully. I have no idea where to go from here. Neither XXXX nor Experian seems to have any idea on how to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently pulled my credit report to try and buy a home and noticed damages on my credit report, As well as multiple inaccuracies. With the damaging credit report, I was not able to move forward with my applications for my family home. In accordance with 15 U.S.C 1681 there should not be anything damaging on my report, it is defamation to my character. As well as 15 U.S.C 1681 602 ( a ) Accuracy and fairness of credit reporting. 

I did dispute all accounts on XX/XX/XXXX asking for validation on debt they came back XX/XX/XXXX as verified or they updated the accounts. and put me past due on XXXX account which shows open in XXXX. Consumer reporting agency may not report outdated negative information that is more than 7 year this account is showing XXXX XXXX and XXXX XXXX. account they did not validate
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : CLOSED ACCOUNTS BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNTS BELOW ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX THESE ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I reported that this account was opened fraudulently. I set a copy of a FTC report and neither company took it seriously or into consideration. On my XXXX report, there is a duplicate account on my report. The account reporting is incomplete and this is a fraudulent account. Living in a college town such as XXXX after the pandemic left many people vulnerable. Irrational and younger adults would do anything including miss using someone's information.
Product: Credit reporting

Experian credit reporting continues to report information on my report that has been previously deleted, or has been on my credit report more than 7 yrs, ( past the statute of limitations ). When I try to dispute these items, I get a message that the issue has been resolved, but they never do any investigating or go to the date of the last activity for proof. They do not verify any information they just add negative items to your report without checking to see if the items actually belong to you.
Product: Vehicle loan or lease

I lost a significant amount of money to a building contractor after which time I lost my job and had to file for bankruptcy. I needed to continue to work and needed a new car to make a daily out of state commute to work to pay off my bankruptcy ( I had no consumer debt, just had gotten behind on my mortgage -- I have never had any debt ). Santander Bank offered me a bank loan at a rate of 24 % which required I work 2-3 jobs to cover. At the time I took out the loan I told the car dealer that I would prefer to buy several junk cars if they wouldn't refinance the loan after I paid off my bankruptcy which I did working days/nights/weekends for 5 years. They told me they would. I reiterated that the car would have high mileage from my commute and constant work schedule and asked them to qualify again that they would. I was told yes. When my bankruptcy was paid off and I requested the refi, I was told they didn't refinance. The car cost {$14000.00} and after 5 years I still owed over $ XXXX. I went to other lenders but they all told me the mileage was too high. The car was repossessed in the middle of the night. 

I am XXXX, have worked for 45 years and have never had any kind of debt to warrant such a high interest rate it seems to me. I can not get to work without a car. I spoke to a representative at Santander who told me that they were well within their limits to ask for 24 % which I agreed had not been misrepresented, just the refinancing of such an outrageous amount of money. A class action lawsuit in the state of Massachusetts has successfully sued them and I am asking for my debt to this company to be dismissed and have been denied.
Product: Student loan

On XX/XX/XXXX I signed up for a XXXX XXXX XXXX program at Florida XXXX College in XXXX. At the time, my financial aid representative had given me an estimate on the cost of the program, plus my estimate grant. He had said, with it being XXXX, I can file for ANOTHER grant from FASFA in XXXX to help cover my costs of the program. The program is only 11 months long. I attended the school from XX/XX/XXXX, and I graduated with Honors in XX/XX/XXXX. At the end of my pgoram, I logged onto a portal that told me how much I would owe. When I seen the total as a little over 12k I went to a financial aid counselor and they told me it needed to be adjusted. I was contacted numerous times by the loan company Sallie Mae aka Navient. During a phone call in XX/XX/XXXX-XX/XX/XXXX time, I told the caller I was not responsible for the amount being owed. According to FASFA, I received two Pell Grants totaling in {$11000.00}. The program cost was {$17000.00}. Leaving me with owing a minimum of {$6000.00}. Last week, I contacted the school as I had been requesting my financial aid records. They only send me the estimate paperwork and stated I signed that knowing that would be the cost and I would owe more than 6k. I explained the financial aid counselor responsible for this case was no longer there and he told my mother and myself more than once it was just an estimate and the top of the paperwork even states its just an estimate. I proceeded to tell them that a FASFA representative told me they only took out {$1200.00} for XX/XX/XXXX-XX/XX/XXXX school year. The school then tells me it is because I was not attending for the whole year and that is why they didnt take the full {$5700.00} that was granted to me for the second year. The school proceeds to say it was because I didnt attend a full year. I then explained they took {$5600.00} of my first grant for only 2 months of XXXX, but only took {$1200.00} for 9 months of XXXX. The school didnt seem to understand. When I had spoken with the loan company, Sallie Mae, they stated they have no ties to the school that they just request payment since they loaned money. I am now being told due to no payments being made towards loans that I never approved to be given, that I would be sent to collections and the loan company would take my tax returns as payment.
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach please delete these accounts immediately : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attached is a screenshot where I put my name and last 6 of my SSN and was notified I was a victim of this incident. 

Best regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX USAUTOCREDT XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the CRA several times about the XXXX accounts. 
I have proveided proof that the XXXX accounts were not mine and the CRA deleted all the XXXX ( XXXX XXXX XXXX XXXX ) accounts and updated my report. 
The problem is when they deleted the fraudulent account they should have also DELETED the XXXX inquirys as well. 
The XXXX inquirys are not mine and should be removed asap, cause they are associated with the fraudulent address that was removed and the fraudulent account that was just removed. 
PLEASE REMOVE THOSE INQUIRYS ASAP. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An Extended Fraud alert was placed on said account. Inquiries that are not attached to an account were unauthorized.I have directly disputed these items with the credit bureaus and was not successful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items in collections on my credit report that I have no knowledge of and did not authorize under any circumstance. I have already disputed these with all XXXX credit bureau 's ( XXXX, XXXX, XXXX  ) in which nothing has been done. The collection items are from XXXX XXXX XXXX XXXX for the amount of {$660.00}, and XXXX XXXX for the amount of {$900.00}. I have never had either one of these accounts. This is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all 3 credit bureaus as well as XXXX XXXX 6 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$910.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS- PUBLIC RECORD- BANKRUPTCY- # XXXX COLLECTION ACCOUNT- XXXX- # XXXX THIS IS THE FIFTH LETTER I AM WRITING TRANSUNION TO DOCUMENT THE FRAUD BEING COMMITTED ON MY CREDIT FILE. I HAVE ASKED TRANSUNION TO VERIFY THE FRAUDULENT BANKRUPTCY and fraudulent collection account XXXX  VIA Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I have documentation since XX/XX/XXXX that I have been removed from XXXX XXXX. But Transunion states that they verified a bankruptcy via XXXX as recently as XX/XX/XXXX. So for almost a year Transunion has intentionally kept an unverified bankruptcy on my account. THIS IS FRAUD AND MUST BE SOME TYPE OF IDENTITY THEFT because this unverified account has not been verified.

The US BANKRUPTCY COURT states that they do not share information with 3rd parties so your source is FRAUD.

I HAVE LETTERS FROM XXXX  and THE BANKRUPTCY COURT but Transunion just ignores my lawful request and keeps this fraud on my account.

THE credit bureau CAN NOT LAWFULLY USE A 3RD PARTY SOURCE OR XXXX  to verify accounts.

IF ANY INFORMATION IS REPORTED ON A CREDIT FILE IT MUST MATCH ALL 3 BUREAUS AND THIS BANKRUPTCY HAS BEEN REMOVED BY XXXX  BECAUSE IT IS UNVERIFIABLE unless Transunion pays {$33.00} for the full report directly from the bankruptcy. And if done so please give me the employee who you purchased from and the receipt of purchase.

XXXX IS NOT VERIFIED EITHER. THEY ARE A 3RD PARTY COLLECTOR.

They also keep this FRAUD COLLECTION on my file from XXXX. And I have no contract with this company and it has been removed from XXXX & XXXX

I am including all my documentation in this correspondence along with Certified mail so I can document Transunions FRAUD FOR LITIGATION if they verify these two fraud accounts. If it can not be verified then DELETE IMMEDIATELY.

YOU HAVE 15 DAYS TO REMOVE THIS FRAUD. MAIL MY FULL UNREDACTED UPDATED CREDIT REPORT AFTER THE INVESTIGATION IS COMPLETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second written request to verified a public record that appears on my credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this public record on my credit or deleting of this accounts.An FTC complaint is attached, my drivers licence, social security and utility bill also attach to this complaint, police report will be filed soon. 
Please remove this item from my credit file.
Product: Money transfer, virtual currency, or money service

Somebody sent me XXXX dollars by XXXX in bank of america ... i received a text it was in my account but never that money get in ... never
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding the ongoing inaccurate reporting of several accounts on my credit report, which were a result of identity theft and a data breach. Despite filing an FTC report and providing supporting documentation, including a data breach confirmation and an affidavit verifying my identity, these fraudulent accounts continue to be reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and delete any accounts resulting from identity theft within four business days of receiving notice. Additionally, FCRA Section 604 ( 15 U.S.C. 1681b ) mandates that a valid permissible purpose is required to access or report credit information. The following accounts were fraudulently reported without my consent : XXXX XXXXXXXX XXXX XXXX ( Account : XXXX, {$270.00} ), XXXX XXXX XXXXXXXX XXXX ( Account : XXXX, {$590.00} ), XXXX  XXXX ( Account : XXXX, {$770.00} ), XXXX XXXX ( Account : XXXX, {$120.00} ), XXXXXXXX XXXX XXXX XXXX ( Account : XXXX, {$110.00} ), XXXX XXXX XXXX  ( Account : XXXX, {$340.00} ), XXXX XXXX XXXX ( Account : XXXX, {$5100.00} ), XXXX XXXX XXXX ( Accounts : XXXX, XXXX, {$2700.00}, {$3200.00} ), and XXXX XXXX XXXX ( Accounts : XXXX, XXXX, {$420.00}, {$750.00} ). These accounts were obtained or reported without my knowledge and violate FCRA guidelines. I request the immediate deletion of these accounts within four business days to comply with federal regulations and to prevent further harm to my creditworthiness. The credit bureaus must ensure compliance with FCRA provisions and take corrective action immediately.
Product: Debt collection

In response from your statement on XX/XX/XXXX. The company GREAT LAKES offer repayment options but they deny being a debt collector, it does not make any sense. In Pursuant 15usc1692a ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. The balance in the GREAT LAKES account is a positive balance which means I do not owe anything. For this company is convincing me into paying for something that I do not owe is indirectly collecting a debt which would make this company a debt collector. In pursuant to 15usc 1692 ( a ) abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. This company is being deceptive and unfair because they deny being a debt collection agency but yet they want me the original creditor to pay for an account in a positive balance. In pursuant to 15usc 1681 ( a ) ( 1 ) of congressional findings and statement of purpose states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system The reason why this is the first statement under the U.S. code of this section is because the law knows the banking system is doing the exact opposite. GREAT LAKES is not using fairness and accurate credit reporting because I am allegedly obligated to pay for something in a positive balance of {$26000.00} which is not accurate nor fair. If I owed a debt the balance would be in a negative balance and it is not only unfair and inaccurate, but it is false and misleading information in pursuant to 15usc 1692e. This is my new evidence and proof. I am demanding this company to zero the balance and I need a response within 15 days.