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

VenMo suspended my account and the only communication I received was an email referencing another email which was never sent. There is no summary of the reason ( s )? why the account was suspended nor has anyone provided me with any remedy. 

Of primary concern though is VenMo 's repeated request for me to upload a copy of my government issued ID ( which I've done twice now using the link provided in an email ) yet VenMo is sending communications which indicate they have not received the file. I'm sending a document filled with PII and the instructions from VenMo appear to not be correct so where is my email and the PII going? 

Oh, and my account was suspended making a payment to a tenant to return their security deposit. VenMo suspended my account then still took the money from my account but now I can reactivate my account because there is no one providing the needed instructions to " unsuspend '' my account and I can't cancel the transaction.
Product: Credit reporting or other personal consumer reports

Apparently and unfortunately I have an adult son with the same first and last name. He has confirmed that he in fact obtained services from a XXXX XXXX in XXXX. I knew absolutely nothing about his personal or professional business with this company as I live in the State of Connecticut. I had an impeccable credit score until one day my wife and I received a collection notification in XXXX stating that I owed over {$3000.00} to XXXX XXXX XXXX for a debt owed to The XXXX XXXX XXXX. I never received a single bill or credit application alert. I tried to explain to all three entities ( Credit Bureaus plus the collector and the agency directly ) that that was impossible since I did not have any XXXX taken at any point with this company. The agency did confirm that the person they conducted business with was was younger than I. No assistance was provided and they still haven't guided me on what steps need to be taken to have them report the remove this charge that doesn't belong to me. XXXX did an " investigation '' which did not resolve the matter and refuse to provide any additional assistance. 

I had my credit profile locked during this time, so I'm not sure how this even happened. I am also completely baffled with trying to figure out how the debt was even originated. ( i.e credit, general bill, use of SSN etc. ) None of which was explained to me. I would like to report fraud on my report and I will take whatever legal actions necessary if this matter is not corrected.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX has reinserted a previously deleted collection account from XXXX  XXXX XXXX without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, XXXX XXXX XXXX is reporting inaccurate account information, potentially re-aging the debt, and failing to provide proper debt validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ) FCRA Violation Unauthorized Reinsertion of Deleted Debt ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ) This collection account from XXXX XXXX XXXX was previously disputed and removed from my credit report. 
XXXX reinserted this account without providing me a written notice within 5 business days, which is required by law.

If a previously deleted account is reinserted, the credit bureau must notify the consumer. XXXX has failed to do so. Furthermore, I requested debt validation from XXXX XXXX XXXX, but they failed to provide documentation proving that I owe this debt or that they have the legal right to collect it.

Under the FDCPA, a debt collector must stop collection efforts if they can not validate the debtyet XXXX XXXX XXXX continues to report this debt. 
5. FDCPA Violation Attempting to Collect a Debt Without Legal Authority ( 15 U.S.C. 1692e ( 2 ) ( A ) ) If XXXX XXXX XXXX does not have a valid contract or assignment from XXXX, they can not legally collect or report this debt.

They have failed to show any proof that they have the right to collect on this account.

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

In accordance with the fair credit reporting act XXXX account # XXXXXXXX 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, Has violated my rights XXXX 
-15 U.S.C 1681 section 602 A. states I have the right to privacy.

-15 U.S.C 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on-line since XX/XX/18 to see my Equifax credit report. As of today I am still not able to gain access. The claim of Equifax is, order in progress. Plus they state since XX/XX/18, Our records indicate that you already have an order in progress for this product. We will email you when your order is available for viewing in the Member center. If you have any questions, please call us at XXXX ( XXXX ) or email us at Equifax Customer  Care. I tried the link to e-mail Equifax and as expected it didnt work either. 

Please accept this e-mail as my official complaint that Equifax is harming me by their continued XXXX!!! 

Thank you XXXX XXXX
Product: Mortgage

I 'm filling a complaint against Nu World Title XXXX, LLC at XXXX, Florida XXXX. ( phone XXXX ) On XXXX XXXX 2016, My wife and I sign the papers for a new house at Nu World Title XXXX. The signing was very cold and not very professional and the person assign to closing was n't either. After the closing and sending the funds to the attorney we did not get our keys to house until the next following week Monday afternoon. ON XXXX/XXXX/2016 our lender from XXXX. text me on my cell phone that we had to come in to the office and sign for a new disclosure papers. Because Nu World Title XXXX, LLC used their paper for the closing. Our lending agent XXXX XXXX tried to explain what happen but we look over paper but we decided not to sign anything until we see an attorney first. The Nu World Title of XXXX, LLc use other lending papers to closing our house deal. My next step to inform the Veterans Regional office of the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX stills has an old account with XXXX card that was settled at a lower amount. The settlement was on XXXX, 2012 making it 8 years only record, when it should have been removed. The remaining balance is up to date, ( in fact 6 months ahead in payments on payments ). Current remaining is {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In violation of the Fair Credit Reporting Act, XXXX continues to report inaccurate information about a consolidated federal student loan. The three credit bureaus have been notified via the dispute process multiple times ; yet, the reports continue to be inaccurate. 

Updated information regarding the dispute filed against XXXX was received from one of the three credit bureaus on XX/XX/2020. 

It contains wrong information still. What is XXXX consequence? What is the consequence for the three credit bureaus ( XXXX, Equifax, and XXXX )? XXXX and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information. Who is more culpable for these errors? The three credit bureaus whose sole business is to report accurate information or XXXX, the business reporting the bogus information to the credit bureaus? 

Attached are screenshots from one of credit bureaus ( the other two are reporting similar information ) ; two screenshots from XX/XX/2020, one from XX/XX/2020, and one from XX/XX/2020. The errors are significant. The differences are evident. It should not be this difficult to get XXXX and the three credit bureaus to report accurate information ; it is the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting on my credit file that does not belong to me. The following does not belong to me : Personal Information that is incorrect : XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Experian ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Experian & XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) The following accounts are reporting inaccurate late payments status : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ( XXXX, Experian & XXXX  ) XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$840.00} ( XXXX, Experian, XXXX ) The following accounts was open as a result of identity theft ; these are not mine XXXX XXXX XXXXXXXX - Date Open : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) XXXXXXXX XXXX XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ( XXXX  ) The following inquiries were not authorized by me : XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ( 9 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 5 TIMES ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

On XXXX XXXX, 2015, I submit a Letter Of Validation to Midland Credit Management. Please provide me with the following : Agreement bearing my signature, or contract, valid copies of the debt agreement. A complete payment history on this account along with an accounting of all additional charges be assessed? Anything stating I have agreed to assume the debt. As of this date, I have only have received a statement alleged, debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account with XXXX services on my credit report several times ( XX/XX/202 XX/XX/2020 ). I keep telling them it is a fraud, and have no business with that company. I do not know who they are. The information does not even match on the sites.This is hurting my score. 

I also contacted XX/XX/XXXXXX/XX/XXXXand they stated I have never been delinquent because I have been on deferment. 
There are several old accounts I asked to be removed, and they have not been. 

Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Although my XX/XX/XXXX Experian Credit Report shows ample credit ... Experian has given me a 0 FICO Score ..The Experian site also states I that I also have a 0 FICO score with all 3 credit bureaus as well which is not accurate and can be verified. I have tried numerous times from XX/XX/XXXX to today, XX/XX/XXXX to Experian by phone and email to no avail. The one time after 2 hours and 3 transfers I did reach a live person ... she couldnt help me other than to tell me to file a dispute online. Experian dispute choices do not grant me the choice to dispute my type of problem. I have tried in other ways only to receive automated responses as to what could cause a 0 FICO Score.. non of which apply to my plight. This dilemma has caused me to be denied 2xs for  credit which not only is a grave inconvenience but a blemish on my credit as well.
Product: Mortgage

I submitted a mortgage assistance application to my lender US Bank and the processor XXXX XXXX  phone # : XXXX extension : XXXX is requesting for all schedules for my Federal Bankruptcy. I provided the copy of the filing for the bankruptcy she claims she will not deem my package complete until she has my bankruptcy schedule which is unheard of, and the second portion has not been file i do not feel my process should be delay because they need my bankruptcy schedules that has nothing to do with my loan modification review nor its a federal guideline request. XXXX is dual tracking and asking for documents that have nothing to do with my review. I also spoke to someone in the Bankruptcy department according to the representative i spoke to they should not be asking for any schedules.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Request for Investigation of Unauthorized Credit Inquiry Dear to whom this may concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized credit inquiry had been made. I am not aware of the inquiry sources name nor who conducted the inquiry, and I am asking for them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : This is on there twice with two different addresses. Was informed it was a soft inquiry not a hard inquiry conducted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : Was informed it was a soft inquiry not a hard inquiry conducted. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 



Thank you for your assistance in this matter, XXXX XXXX
Product: Checking or savings account

AFFIRM system froze my account with no valid reason. 

I ask for them to unfreeze my account and give me information on why. 

They refused to give me any information.
Product: Vehicle loan or lease

When I initially bought the car in XXXX. The dealer said that my loan was for a little over XXXX. Yhen when I went to pay my initial payment I seen that Prestige had me principal balance listed at over XXXX. Which I have proof that I signed a contract for the XXXX. I am not sure where the switch and bait occurred, but it did. I asked the customer service rep why was my principal balance stating that and he said he didnt know I needed to talk to the dealership. When I talked to the dealership they had no idea what had occurred and why there was a difference. Which according to reports and complaints online I am not the first person this has happen to from this predatory loan company. 

I've never recieved a phone call explaining to me what happened or any more additonal information. 

In XXXX I made a payment to Prestige and they took the payment out twice. I paid and then they ran my card again unauthorized causing the payment to come out twice. When asked about it they blamed me and said it was my fault and they would return the money. They returned it then the next day took it out again. When asked about it they never respond. I have sevral emails and text messages showing me asking about my double payment and I've never gotten an explanation or response. 

I changed my due date to the second half of the month. In a text message/email I requested they send me paperwork stating and showing such to this day I have never recieved the paperwork. Which I also have proof of. 

I have been 2 days late a couple of times, no more than 10 ever and every month they harass me before my payment is even due via text message and email. Then in XXXX I asked them why are they harassing for being two days late but never respond about my double payment then again they go silent. 

In XXXX I pulled my credit report and on my credit report they have it listed that I paid over XXXX and no payment was made for XXXX, but thats a lie, because I have never missed a payment and I have bank statements and a receipt from XXXX XXXX for the one time I used bill pay because I was afraid they would take the payment out twice again. 

I called them and asked them about this matter and they hung up on me. I emailed XXXX XXXX who is the one who harasses me month after month and he never responded. That XXXX payment should have made me a month ahead, but they didnt list it as such. They stole my money and then said I missed a payment which I didnt not and I have proof for. 

According to the XXXX  and other complaints this predatory company has done this to several people. 

I told them that I plan to sue and I do. For the harrasement and the unethical practices. Which they have several lawsuits pending against them for the same thing right now. 

I am a XXXX XXXX  XXXX veteran and I have served my country well not to be preyed on or taken advantage of. Only reason I am stuck with them is because I went through a bad divorce and had to start over. Again I have paid them on time every month except for being maybe 2 days late ( which I have proof of ), so I am by no means trying to get away with not paying my bills.
Product: Credit card or prepaid card

I submitted a dispute with Cash App on XX/XX/XXXX due to bath and body works over charging me by {$72.00}. 

XXXX XXXX XXXX XXXX admitted to the overcharge ove email, which I submitted to cash app. 

Shortly after the dispute my cash app card was disabled and they revoked my access to use this card anymore. They give a generic response as to why. 

I spent {$50.00} on their NEW METAL cash app card, which in return they revoked the card and every time I request a refund they all give a generic robot response. 

I have been a customer FOR FIVE YEARS. First dispute in YEARS. 

I want my {$50.00} back for the METAL CARD I CAN NOT USE PER YOUR POLICY.
Product: Debt collection

I received a notice from synergetic communication inc on XXXX. It stated that XXXX XXXX XXXX was their client and was collecting a debt from XXXX XXXX XXXX. 
I attended XXXX from XX/XX/XXXX-XX/XX/XXXX. I Withdrew due to the lack of quality education I was receiving, and the expensive tuition charges that were raised significantly since I had enrolled with no legitimate charges. A few months later in XX/XX/XXXX, I learned of the probation of XXXX and upon further research I had learned out that they were suspected a fraud. 

Later, I am a class member of the current and previous investigations and due to an automatic student loan forgiveness and also class action award due to the fraud and litigation against XXXX XXXX XXXX, and XXXX for defrauding federal grant and loan programs and the agency that approved its accreditation. 

The debt was 13 years ago. I am eligible for borrowers defense regarding my loans which also happen to be with serviced with XXXX and fed loans which also are in litigation for fraud. 

This system is corrupt. I called XXXX last Monday to obtain any transcripts that they may still have available on my file before all campuses are permanently closed. I then received a letter from synergetic For a debt that I dont even own from a fraudulent campus from 13 years ago. 

Stop pursuing money as you already stole enough from me and the government. Not only should synergetic communications inc and any other collection agency be allowed to collect on fraudulent student loans, XXXX XXXX XXXX should be ashamed of themselves for going after decade old money for a product/service they did not provide!
Product: Credit reporting or other personal consumer reports

I disputed some negatively reporting items on my consumer report, around XXXX of XXXX. I spoke to a representative from TransUnion, and I requested validation of the negatively reporting debts. TransUnion sent reply on or about XX/XX/XXXX saying they did an investigation. The negative information remains on my consumer report. I was never contacted by TransUnion during this " so called '' investigation. According to 15 USC 1681 ( A ) ( e ) the conditions were not met for a proper investigation. Also, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer, or from a consumer reporting agency, when such information was obtained directly from a creditor of the consumer or from the consumer. 
The information in question is as follows. 
A XXXX XXXX account XXXX for {$830.00} A XXXX  XXXX account XXXX for {$900.00} A XXXX XXXX  XXXX XXXX account XXXX for {$3600.00} A XXXX XXXX XXXX XXXXXXXX account XXXX for {$12000.00} And a XXXX XXXX XXXX  account XXXX for {$2200.00} Which is reporting negative information on the same debt as the XXXX XXXX account XXXX {$0.00} My right to privacy is also being violated. And 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction. I have not provided this, and I do not consent to the making public of negative items on my consumer report.
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

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 XXXXXXXX 15 U.S.C. 1681 Section 602 A :. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 1681 s-2 ( A ) ( 1 ) A person shall 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: Debt collection

I have been disputing Midland Credit Management aka Midland Funding LLC since XX/XX/XXXX/ XX/XX/XXXX of this year. I utilized XXXX and seen that I initially had ( 1 ) collection item listed from this company. I immediately took action disputing the validity of this account, asking for verification, and proof that they attempted to contact me prior. The company never provided any documentation and then proceeded to send me threatening letters stating that they would seek legal action. I received another correspondence stating that I personally spoke with them on the phone and spoke with their legal dept, I asked for proof of those conversations and I never received it. Prior to me disputing this account, I have never had any contact with Midland Funding and Midland Funding has never reached out to me.
Most recently, I check my credit again and Midland Funding has added another unverified debt on my credit file. I am beyond outraged that this company continues to violate my consumer rights and also damage my credit. I do not owe any debts to Midland or any outside vendors that they may have. To add insult to injury, when the second account was placed on my credit file, I never received any documents or notification for validation for that alleged account. Midland Funding has been the topic and center point for numerous class action lawsuits and settlements due to their illegal practices. This company is attempting to swindle monies from me and I will not actively participate in their activities. Every time that I dispute an account that is not mine, Midland begins to send me stressful threatening letters demanding payment or I will suffer legal action. Midland also present these letters in a manner as if they have been communicating with me on a regular basis. This is not the case and completely false representation on Midland 's part. I want both of these erroneous accounts deleted from my credit file immediately and for Midland to do their due diligence prior to ruining unsuspecting consumers ' credit.