23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

After being denied credit, I pulled my report and noticed several loans I did not obtain. TWO loans in particular are student loans from the federal government that has been removed from my credit report on many other occasions. These accounts were removed in XXXX, twice in XXXX, XXXX, and three times in XXXX. Since XXXX I have supplied the bureau with countless police reports ( 4 to be exact ), 4 ftc reports, 2 different signed affidavits etc. however this bureau is seemly the only bureau who keep allowing, not only the reinsertion of these two loans but keep claiming to have validated them but will not inform me on who it validated, who validated and by which method. 

these loans were taking out during the same time frame, obtained online and used my old address. I contacted the credit bureaus and was told to obtain ANOTHER police report, get ANOTHER signed affidavit of identity theft and report the accounts to the federal trade commission AGAIN. Per the bureaus request I did all of these things and sent them a packet certified mail with the information. 

the bureaus are now telling me I am not an identity theft victim but placed an identity theft notification on my report. 

AGAIN, these loans are federal loans that previously reported and REMOVED under XXXX, DEPT OF EDUCATIONXXXX AND IS NOW REPORTING AS DEPARTMENT OF EDUCATIONXXXX AND OR JUST XXXX AND/OR XXXX XXXXXXXX XXXX XXXX. literally every few years the name changes but they are the same fraud loans.
Product: Checking or savings account

XX/XX/2019, we notified USAA about an unauthorized deposit into our account We were told they would lock our acounts and investigate the situation. Somehow the hackers were still able to take the money out after being locked ( what usaa said ). We called them several times for a status. On XX/XX/2019, they unlocked our accounts. We noticed we were charged for the fraudulent charges. The fraud department said that my phone was hacked by terrorists and the money was sent to an offshore account. But they faulted us for it. We've been banking with this company for 15 years. Where was our protection? Why are we being charged for something we had nothing to do with it. They told us had we not had over draft protection on our credit card/accounts, they would've closed our accounts, froze our assets and reported us as frauds. That is not ok. I dont need your workers telling us that we were lucky that it was a small amount. No matter the amount, it shouldn't have happened to us. Did you check the signatures? The origin of the deposit or withdraw? You were supposed to protect us!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX is using my name without my authorization. I never contracted with XXXX. I contracted with XXXX . How did XXXX get my information? I did not authorize XXXX to share my information with any third party affiliate. I received documentation from XXXX that they are transferring my information to XXXX. I am not authorizing XXXX to give my information to XXXX. I do not have a contract with this entity and I will not contract with this entity. XXXX should not have access to any of my information. This is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX XXXX open XXXX Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit and i noticed a few collections on my credit with banks that i have nver did business with. i did not authorized any of these account on my credit report. I called XXXX, experian and XXXX to inform them and i was told to send a identity theft report. None of these accounts and credit inquires listed are related to any transactions done by myself.
Product: Vehicle loan or lease

On or around XXXX of XXXX my vehicle was repossessed by company GM Financial. After the vehicle was repossessed I was never contacted nor given any information as to the whereabouts of the vehicle. Not being notified nor given the information made it a problem for me to either get the vehicle back or collect all of my belongings from the vehicle. As stated by both Maryland ( state vehicle was purchased ) and North Carolina ( state of repossession ) : Under the laws of the State of NC ( State of repossession ) : Before reselling your vehicle, the repo company and or creditor must provide opportune time to redeem the vehicle and/or possessions prior to being sold at an auction. Before selling the vehicle at a public sale, the creditor must notify you of the date, time, and place of the sale. You may attend the sale and bring bidders if you want. If the creditor sells your car at a private sale, the creditor must notify you of the date after which the car will be sold.

Under the Laws of the State of MD The Maryland Department of Labor ( State of vehicle purchased ), a creditor may issue a Discretionary Notice at least 10 days prior to repossessing the vehicle to all signers on the loan by personal delivery or by certified or registered mail. You are not required to pay any repossession expenses if the creditor failed to issue you a XXXXiscretionary Notice. Also, send a Required Notice to you by registered or certified mail within 5 days after the repossession of the vehicle and retain the repossessed vehicle for 15 days allowing you the opportunity to reinstate the contract. 

I was never given any information now was I contacted about the above info. On XX/XX/XXXX I sent out a letter ( certified mail by USPS ) in order for company GM Financial to provide me information in support of the above information in which they received this letter on XX/XX/XXXX at XXXX XXXX Today is XX/XX/XXXX, and I have yet to receive any information from the above company GM Financial. I have disputed this information with all three major credit bureau and have yet to receive information from anyone concerning this matter.
Product: Credit card or prepaid card

Today is XX/XX/XXXX I bought a Vanilla Visa gift card with a value of {$100.00} for {$100.00} this morning at XXXX XXXX from a XXXX store in XXXX, Colorado. I opened the card package to find that the card has 12 digits on the front, not 16 digits. Visa cards should have 16 digits. It also had no CVV code on the back. It should have a 3 digit code. 
I returned to the XXXX store and talked to the store manager. She said there was nothing she could do to help. I tried to use the card to make a purchase at the XXXX store with the help of the manager, but the card was declined. 
I called the number on the back of the card ( XXXX ) and after waiting on hold for 15 minutes, a representative answered and then hung up on me as I attempted to answer her questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft and have been fighting this or a long time. upon pulling my credit i see the chapter XXXX bankruptcy on my credit report. This is fraud. The cra stated to me that this was verified. upon further research and contacting the county clerks office stated they have sent no notification to the cra 's. This was done by a third party. i need this removed from my reports asap.
Product: Checking or savings account

I tried to deposit a tax refund check from the internal revenue service on XX/XX/XXXX at the ATM at my local Wells Fargo branch in XXXX XXXX, VA. The refund was long overdue and was in the name of the trust established by my now deceased mother and father, the XXXX Trust. The Trust had an account established at that Wells Fargo for more than a year. The deposit was in the amount of {$22000.00} so it was already difficult that it had taken the IRS years to process and provide the refund check ( long enough that my mother passed away in the interim ). 

When I deposited the check, I was presented with a message telling me that Wells Fargo would not deposit the check and would not return the check to me. They may as well have taken it from my hands and run away. After calling their customer service number and waiting on hold ( and being late for work ), they told me that all I could do was file a complaint and wait 10 days. 

Apparently, I need to wait that long to find out whether the bank will steal my deceased mother 's money or not. I can't believe this is allowed to happen. The check was from the U.S. Internal Revenue Service- not a shady, offshore organization. I don't understand how they can keep that large sum of money with no justification or explanation. It is a lot of money to need to worry may not be returned. If an individual did this, the authorities would take them into custody.
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. 

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. Or a list of inquiries : 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 or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Office of the President, 5/3 Bank, I am writing with concern after attempting to resolve my mortgage issue over several months without resolution. I am only being told by XXXX XXXX that 5/3 is working on it but nothing is ever given in writing. I am now told that a new representative has Covid and will be delayed in speaking to me. I am willing to wait and work with 5/3 but I would feel better if I received something in writing telling me to wait until I hear back from them. I even attempted to make a {$2000.00} cash payment and was refused at the bank. This is not acceptable behavior as I am trying to save my home. 

I have contacted the President 's office numerous times over the past several months without a response. I have requested help from the better business bureau and the Attorney General 's Office and still no resolution. Phone calls are never made when 5/3 tells me to expect them. 

I would like to solve this problem as soon as possible but I would appreciate something in writing if I am being asked to wait. I am a veteran and a long time educator who is trying to resolve this issue and would appreciate some written confirmation as to the status of my case Respectfully, XXXX XXXX
Product: Credit card

Applied for XXXX Chase XXXX XXXX XXXX Credit Card. Printed out terms and conditions, which clearly state that {$95.00} annual fee is waived first year. When first checking balance, discovered that {$95.00} fee was imposed anyway. Chase customer service supervisor refused to honor terms and waive fee, despite my written proof of this term.
Product: Debt collection

I do not know what this debt is for, the total is {$970.00}. When I contacted the company for help they would not tell me what the debt was from without me verifying all the personal information they would need to collect. 

This is not a duplicate it is a second reported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP..Please change this, fix the account please XXXX XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit report, under my XXXX XXXX XXXX  account. Incorrect remarks were added with a false statement that was not reported by me. It seems that XXXX XXXX XXXX  placed these inaccurate remarks, which caused my credit score to be severally affected. I did not open a dispute regarding my XXXX XXXX XXXX  account balance being Paid In Full in XX/XX/2022 with Equifax. I did not have any problems with the fixed rate. This seems unfair and severe to deduct some many points for an incorrect Remark.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX XXXXme and my partner went into Wells Fargo to get a personal loan to combine our credit cards together. The banker was very very helpful she did her best to help but we were denied and there were no explanation to as of why. We had and still have good credit the source of income was there but they couldnt not provide a reason and this was around the time weve notice it was due to a race issue. I did have a Wells Fargo savings and credit card with 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.

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 wh
ich 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

I NEVER GAVE ANY CONSUMR REPORTING AGENCY OR ANYONE WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT OR USE MY CREDIT INFORMATION WHICH VIOLATES MY RIGHTS AS FEDERAL PROTECED CONSUMER. NO CONSENT IS IDENTITY THEFT UNDER, 15 U.S CODE 1681B. 

XXXX XXXX EXPERIAN
Product: Money transfer, virtual currency, or money service

Background : Venmo and PayPal were selected as the distribution partners for the XXXX XXXX XXXX bankruptcy case ( Case Number : XXXX XXXX ). Creditors were supposed to be able to redeem claim codes to receive distributions of cryptocurrency to settle their XXXX  XXXX claims. Creditors could choose to use Venmo or PayPal, but once the choice was made they could not switch. 

On XX/XX/XXXX I received my XXXX Claim Codes for both XXXX and XXXX. I went to my Venmo account to redeem them, because that is the account I use for personal transactions ( I have a PayPal account, but I also use it for business and didn't want any confusion ). I started with my XXXX claim code. The code was accepted, and I went to the validation process. I was unable to validate because Venmo was showing a wrong birthdate for me, which I was unable to change. I contacted Venmo support on XX/XX/XXXX and have been contacting them every few days since then. They acknowledge their engineers are aware of the issue but there has been no fix. I am unable to access either of my claims ( since, according to the structure of the settlement, you can only use one distribution partner for the I already started through Venmo and can not switch to PayPal, as explained above. ) Now I am stuck in limbo and unable to access anything. There is no ETA on a fix. Venmo just keeps emailing me the same answer, that their engineers are aware of the problem but have no timeline for fixing it.

The fact that Venmo can't correct one simple piece of data on my account ( after I have provided them with all the supporting KYC information they requested ) is beyond frustrating. I am facing a huge financial loss due to the volatile nature of the crypto market and my inability to access the crypto that is rightfully mine. 

This is a problem for many creditors trying to use Venmo, as discussed by XXXX XXXX in his most recent XXXX video. ( XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove Fraud Alert and any personal statement from my credit report
Product: Debt collection

Ive contacted XXXX XXXX XXXX about this debt they are trying to say i owe. They havent responded to me at all. i dont know what else to do. This is the third time i request a response from them.
Product: Debt collection

On or about XX/XX/2020 I received a notification of a debt due. 

This debt is not valid and I demand Gurstel cease all collection attempts
Product: Credit reporting or other personal consumer reports

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items XXXX not appear on my credit Report if they can not be supported by evidence
Product: Debt collection

XX/XX/XXXX Signed month to month lease with XXXX XXXX, at the time owned by XXXX XXXX XXXX, for car parking space. This included payment of security deposit. 
XX/XX/XXXX Provided notice of intent to vacate in 30 days via online portal, as required by leasing agreement. 
XX/XX/XXXX Paid prorated months amount for portion of rent due through XX/XX/XXXX through online portal, as indicated by XXXX XXXX  at XXXX XXXX ( XXXX XXXX ). For this payment, new portal was used due to XXXX having purchased the property at some point during our lease. 
XX/XX/XXXX Vacated, returned key fob to XXXX XXXX, XXXX property management staff, in person at XXXX XXXX. XXXX confirmed security deposit of {$100.00} would be refunded via check by mail. This payment has not yet been received. 
XX/XX/XXXX Received move out statement from XXXX with incorrect balance of {$42.00} claimed. No detail was provided as to what the {$42.00} was in relation to. 
XX/XX/XXXX Contacted XXXX XXXX via e-mail, detailing all payment charges and history, indicating that {$100.00} was owed to me and that the {$42.00} claimed as due to them was incorrect. 
XX/XX/XXXX Received e-mail from XXXX XXXX confirming that all money claimed as owed to them was an error, that the debt would be cleared, and I would still receive check for {$100.00} deposit still owned to me ( attached ). Received no further bills. {$100.00} security deposit has still not been returned. 
XX/XX/XXXX - Received notice of debt collection for {$42.00} from Columbia Debt Recovery/Genesis . 
XX/XX/XXXX - E-mailed Columbia Debt Recovery requesting proof of license to collect debt, registered agent, as well as detailed debt information ( attached ). Never received proof of license to collect debt or registered agent. 
XX/XX/XXXX - Received e-mail only re-stating alleged debt amount and saying it was a debt to XXXX XXXX, with no information on what the claimed debt charge was for. 
XX/XX/XXXX - E-mailed again requesting response to previous request. Provided documentation from XXXX XXXX proving that no debt was owed, that XXXX XXXX XXXX confirmed that no debt was owed, and that in fact XXXX XXXX was attempting to refund {$100.00} owed to me by XXXX XXXX. 
XX/XX/XXXX - Received automated response from Columbia Debt Recovery confirming receipt of letter. 
XX/XX/XXXX - Sent a follow-up letter to Columbia Debt Recovery requesting reply within 5 days due to previous non-response. 
XX/XX/XXXX - Received automatic reply from Columbia Debt Recovery confirming receipt of letter received. No further response has been received to this date and we still have not received {$100.00} deposit refund owed to me.
Product: Credit reporting or other personal consumer reports

I have provided proof to Equifax that XXXXXXXX XXXX XXXXXXXX XXXX XXXX sent me a letter saying they have no account with my name or Social Security number on it at all. It's been over 30 days since i put in the dispute and provided the proof needed and they still haven't removed the account from my credit report. At this point it is a clear violation of my rights to have an accurate credit report under the [ FCRA ]. Please help me
Product: Credit reporting or other personal consumer reports

An account was opened on XX/XX/ for a student loan that I had no knowledge of, I never agreed to a loan in my name and was not given any paperwork to show proof of ownership of this account! I would like accurate proof to verify that I consented to having a student loan opened in my name '
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts/items are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts/items for me to review the exact date on which the negativity was posted. There was definitely an error on their part. The bureaus are condoning illegal behaviour and willfully in the violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY. 
Inaccuratye Addresses : 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