23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 I suspended my XXXX XXXX XXXX XXXX service due to XXXX XXXX and service not being available in my area. At the time I was enrolled in autopay, as that was how all my bills had been paid and I did not change that. My service was to be suspended for six months. Due to XXXX XXXX I was not to be charged the $ XXXX monthly fee. However, my account was abruptly canceled and charged {$75.00} without my permission. I disputed the debt with the first debt collector, and won. They removed the account from collections. I attached the email with their response the day they removed my account from collections. 

A second collector, XXXX XXXX XXXX, attempted to collect this debt. This time I disputed directly with XXXX and informed them this was the second collection attempt. XXXX sided with me and removed the account from my credit report. 

This third company, Franklin Collections, is fraudulently trying to collect debt that is not owed to anybody since I have disputed it and won twice. It is ridiculous that debt collection companies can hurt peoples credit scores by trying to collect old debts that are not owed.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ), credit reporting agencies are obligated to promptly remove any information flagged by consumers as linked to erronoeus activity, ensuring action within four business days from receipt of such notification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the XXXX, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Credit reporting or other personal consumer reports

Dear Experian I was a XXXX  of Identity Theft. Per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX  Account Number : XXXX Update to Open/Never late XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my XXXX XXXX 

XXXX. XXXX XXXX CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete from my XXXX XXXX 

XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my XXXX XXXX. 

XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX VERIFY Date of inquiry : XX/XX/XXXX Please remove it from my XXXX XXXX 

XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my XXXX XXXX 

XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortage for XX/XX/XXXX through XXXX XXXX XXXX XXXX banking portal on my computer. I received a phone call on XX/XX/XXXX for the first time from XXXX stating they had not received my XXXX mortgage. I spoke with a representative and stated the mortgage was paid on XX/XX/XXXX on online banking through XXXX XXXX XXXX. I then pulled up my XXXX XXXX XXXX and saw they sent my payment to XXXX XXXX, my husband 's car loan company. I explained that XXXX XXXX XXXX made an error. The representative from XXXX called XXXX XXXX XXXX and we had a 3 way phone conference call and XXXX XXXX XXXX refused to acknowledge their error and couldn't get XXXX the money due to it had been sent to XXXX XXXX. I was unemployed at the time and did not have money in my savings or checking account neither did my husband to cover an immediate payment to XXXX. I then had to call XXXXXXXX XXXX  XXXX with my husband, and had a discussion in which XXXX XXXX said they would have to mail back the check to my husband and it would take 7 to 10 business days. XXXX was also on this 3 way conference call. I was informed from XXXX due to the error there would be no late payments. I was also informed our credit report would not be contacted for late payment. I was informed due to the XXXX and XXXX XXXX   holiday, XXXX XXXX couldn't guarantee the check would be to us before the first of XXXX. The check arrived on XX/XX/18 and XXXX was paid on XX/XX/XXXX after the check had cleared. I also paid our XX/XX/XXXX mortgage payment before XX/XX/XXXX. On XX/XX/XXXX even though all of this information was made a record of on my account I began receiving harassing phone calls from XXXX about my XXXX mortgage payment and received them the next month on XX/XX/XXXX. Also, our credit report was lowered because XXXX reported that our mortgage payment was over 30 days late even though I have never been late on a mortgage payment and XXXX had a record of what happened to our XX/XX/XXXX mortgage. I had a dispute with Experian and called XXXX who will not take down this late payment stating that legally XXXX had to report this late payment and that the only way XXXX will correct the dispute is if XXXX XXXX XXXX sends them something in writing stating their mistake. XXXX XXXX XXXX won't acknowledge the mistake since it was done on their website. This incident is one of many problems I have had with XXXX where one time I paid our escrow off at the end of the year otherwise our mortgage payment would have gone significantly higher due to our escrow being short for the next year. I put a payment coupon and put the check stated this was for correction of escrow and XXXX applied this payment to our mortgage instead of the escrow. It took my 4 phone calls each lasting an hour and a half to straighten out their mistake. Also, I have up until the XXXX of the month before my mortgage is late but if you pay after the XXXX of the month XXXX calls your payment a remittance payment. This payment is not a remittance payment since legally I have until the XXXX of the month grace period to pay my mortgage without a penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX 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. 

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 a 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 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 1681s-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: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am really infuriated now! As if all the efforts XXXX putting into this are nonsense, you are so negligent! What is happening over there at the CFPB and Transunion?! Are guys playing around? Well, let me say to you that I am not! I am so stressed that you are just ignoring my request to DELETE the fraudulent accounts from my Transunion report. I have done my responsibility to submit to you my personal information, my dispute letters, and the FTC report to prove to you AGAIN and AGAIN that I am a victim of identity theft. Additionally, I contacted the furnisher and they've agreed to remove the accounts BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law and will not explain their policy. Please DELETE this damaging information from my file right away for Transunion is not complying with the FCRA law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I send a certified mail letter to New Rez LLC d/b/a Shellpoint Mortgage Servicing and request pursuant to Section 313 ( f ) of the Truth in Lending Act, 15 U.S.C. 1641 ( f )  requested copy of the promissory note signed by XXXX XXXX for their demand for payments under and a Qualify Written Request. Shellpoint Mortgage Servicing send me a letter dated XX/XX/2020, and Notice of Default and Intent to Accelerate dated XX/XX/2020. 

Shellpoint Mortgage Servicing did not send me pursuant to Section 313 ( f ) of the Truth in Lending Act, 15 U.S.C. 1641 ( f ) requested copy of the promissory note signed by XXXX XXXX for their demand for payments under and a Qualify Written Request.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to a car dealership to and they said they would only be using kia now there are over five hard inquiries on my credit report. 
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 I also applied for a credit card with XXXX now there are hard inquiries i dont know where they came from i listed the accounts above.
Product: Credit reporting or other personal consumer reports

I did not give any consumer reporting agencies written permission to furnish XXXX XXXX XXXX accounts on my consumer report XXXX XXXX XXXX Account # XXXX 15 USC 1681b Clearly States Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. That aggravated Identity Theft 18 USC 1028a because the have possession of my information and they are also using it without consent from the consumer
Product: Credit card or prepaid card

In XXXX of 2016, I opened up a credit card account with Navy Federal Credit Union, a limit of XXXX. As of XXXX, i called them informing them that my card had been missing and i needed it frozen in order to protect my account. I also moved in that from the location that i was previously living. I was unable to get any bank statements or payment stubs from Navy Federal Credit. Because of this I am in turmoil. My credit has drastically dropped because of this. I feel as though it isnt fair that i am being punished for a report i was unaware of. Especially if i wasnt in the given location where my bill was being sent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, 2021 '' my ssn : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX, XXXX XXXX  has violated my rights, 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 a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.
Product: Checking or savings account

I made a purchase on XX/XX/24 with XXXX XXXX XXXX XXXX in the amount of {$5000.00} USD. I did not receive the service I paid for. After several unsuccessful attempts to reach the merchant about the issue, I resorted to filing a dispute with Wells Fargo. 

On XX/XX/24, I filed a debit charge dispute with Wells Fargo with the reasoning that I did not receive goods/service. 

I called today on XX/XX/24 and spoke to Wells Fargo rep XXXX who advised me that Wells Fargo is not obligated to investigate this claim as I authorized the charge on my account. She refused to help me any further. 

This makes no sense to me because I never disputed the charge under the pretense of unauthorized use, but rather clearly stated I did not receive what I paid for. 

The merchant is entirely unresponsive and I am requesting assistance with a fair claim investigation so that I may rightfully recover my funds. 

Wells Fargo Claim Number XXXX Checking Account Number : XXXX
Product: Credit card

XXXX XXXX - I paid off my Sear card balance of {$700.00} XXXX XXXX - I buy supplies at XXXX to replace my kitchen sink {$120.00} XXXX XXXX - I make a payment of {$330.00} to payoff the supplies and kitchen sink purchased online XXXX XXXX - The XXXX 's charge for the sink is posted {$210.00} XXXX XXXX - My most recent payment is not posted. I am charged finance charges. 
XXXX XXXX - I call Sears to see what has happened. Support is poor. They can not accept a pdf copy of my receipt and do n't answer the fax number they gave me for the fax copy. I call CFPB online to report shenanigans!
Product: Credit card

I opened a Venmo credit card to use for online purchases. Because the credit line is low, it requires me to make more frequent payments on the account to allow me to continue using it for the purchases I'm making. 

The last payment made to Venmo was on XXXX for {$650.00}. The money cleared my bank and it posted on Venmo but is not being reflected in my available credit which is causing me frustration as I'm waiting for my available credit to once again become available so that I can use the card for purchases. 

It is now XX/XX/XXXX and so I called Venmo to ask why they've taken money from my account and have not yet posted to reflect in my available credit. They said that the payment I made and that cleared my bank, on XXXX would not be available until XX/XX/XXXX. I am appalled that they are collecting interest in their account on my money and not making my credit available. The reasons they gave for holding my available credit until XX/XX/XXXX were not acceptable, and frankly they were lame. There's absolutely no reason to hold my money and not make it available in the form of my credit balance. The call is recorded, it should be reviewed. They said they needed to understand my buying pattern, I said, there isn't one. If I have a balance due, I pay it and expect the available credit to be there as a result of the payment I made towards it. They said its to help hedge against fraud, to which I replied, you're texting me after a purchase, confirming it's me ... in my opinion, this is a racket and they are holding my payment to collect interest on my money vs. allowing me to use the available credit. I asked about a credit line increase..they asked how much do I need... I said that depends on how quickly the payment is going to post... we tried for XXXX  XXXX and I was declined..so at this point, I've closed my account but feel this is fraudulent behavior. There is no reason given the safeguards for fraud they already have in place and that I am making my payments to free up available credit so that I don't have to use multiple credit cards to make my online purchases. 

As a side note, same thing is happening with my XXXX  account only they are holding {$2000.00} and we have no available credit. 

Maybe they are too big to care but they should be held accountable for how they are treating consumers who are making multiple payments in a billing cycle due to their not providing an adequate credit line.
Product: Debt collection

I submitted a previous complaint against this company on XX/XX/25. Received the response back via your website stating that they would delete and notify all three bureaus to also delete the negative information. Yet today I have receive a notification from XXXX  stating the the company added more negative information to the bureau about these two accounts not deleted as they stated in the complaint or in the letter I received from them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : XXXX XXXX Act Name : XXXX  XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than XXXX ( XXXX ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( XXXX ) years
Product: Checking or savings account

XXXX XXXX is an individual who is responsible for a XXXX ad for a 2 bed 2 bath condo in XXXX, Florida. I contacted the individual in regards to the condo and he proceeded to inform me of the features of the home and that he was living in Delaware taking care of his mother so he could not show me it in person. He sent me pictures of the place and had me fill out an application for the condo, he informed me I was accepted and I would be signing a lease and needed to place a security deposit of {$800.00} and a first month rent of {$800.00}. I proceeded to sign the lease on XX/XX/21 and send him the money. He informed me that he would be sending me the keys via US mail in order for me to move in to the condo on XX/XX/21. On XX/XX/21 he contacted me saying he could not send the keys because an individual wiling to pay all months up front was interested and the only way he would send me the keys was if I payed him all the money up front with a discount making it only {$600.00} a month. I proceeded to inform him that I really needed the condo because I was a medical student sent to clinical rotations in XXXX and he asked me to send money in order to make it happen. In desperation of needing a place to stay I sent him a bitcoin transaction of {$900.00} through cashapp and {$500.00} deposited in a bitcoin ATM. I attempted further to send him more money but I was limited to how much I could pull and send in 1 day. I told him i would continue the payments if the keys were delivered by the next day and he stated that they would but the following day he reached out and said one of my payments had fallen through and that I needed to send another {$800.00}. I realized he was a scammer and refused to send him any more money until I had the keys and he proceeded to tell me that I would never get the keys unless I payed the full amount. I was unable to move in on the date signed on the lease and am currently homeless as my funds for the semester have been stolen and I have nowhere to stay. The bank refuses to help me with my funds as they say the money was sent and they can not be returned.