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

Prior to yesterday I never opened nor tried to open a Venmo account. On XXXX I tried to open a Venmo account. In the process I was refused because someone else had opened an account using my name and personal information, with the exception of an email address that Venmo showed as XXXX ( please see attachment ). This is not my email address. I tried to contact Venmo. They make it very hard for someone with my situation to contact them. After about an hour of trying various means, I was able to get through to a live person named XXXX. I reported that I had never tried to open a Venmo account prior to yesterday and that someone had used my personal information to open an account. I asked for all information about that account including transactions, bank and credit card links etc. so that I could report the information to my local police department. He refused. He told me that giving this information would violate the terms of service agreement I signed when I opened the account. I reminded him that I never opened the account, that it was opened by a fraudster. He still insisted on using the terms of agreement to prevent me from getting any information. 
He gave me a case number and told me that I would get an email with a summary of our interaction, something that I did not get. 
I asked for a more direct number for the police to call and he said the only way that the police could reach Venmo was by email ( XXXX ). This seemed like a dishonest response, and if it is true, it appears to be an attempt by Venmo to frustrate efforts for people and law enforcement to deal with them.
Product: Credit reporting

Addresses showing in XXXX and XXXX and I have never lived anywhere but XXXX until I moved to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address XXXX XXXX XXXX, XXXX, GA, XXXX does not belong on my credit report and should be removed immediately The ONLY address should be XXXX XXXX XXXX, XXXX, GA, XXXX
Product: Credit card or prepaid card

As I just stated in an email I sent to Bank of America customer service ( and which I also plan to articulate in a letter I'll be snail-mailing to BofA Chairman and CEO XXXX XXXX ), " As a patriotic American citizen, NRA Life Member and law-abiding XXXX owner, it disgusts me that a bank that calls itself " Bank of America '' is taking such deliberate and blatant actions to XXXX over legitimate firearms-related businesses and thus utterly disrespect the U.S. Constitution ... the fact that you dare to continue to call yourselves " Bank of America '' is a grave insult to real Americans. I have been a BofA customer on-and-off since XX/XX/1993, but it is now time for this business relationship to end, as I have no desire to be a customer of an entity that disrespect me and my fellow XXXX owners and tramples upon my rights. Please cancel my Bank of America credit card effective immediately. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

There was a lawsuit that was filed by Absolute Resolutions Investments , LLC ( XXXX ). When I was notified of the suit months after they filed to an old address of mine, I notified XXXX XXXX XXXX of the frivolous lawsuit. This debt stems from an account that I reported with fraudulent charges years ago. Evidently the court didn't intervene based on this company filing a suit, never serving me or investigating the truthfulness of the claims. In doing a quick search, you can see there are many charges against them similar to mine. On XX/XX/year>, my bank notified me that this company had petitioned the court for a garnishment and it was approved.
Product: Credit card or prepaid card

Hello, I believe that Chase Credit Card Company overcharged me for interest. I received my XXXX statement and the interest/fee was approximately {$25.00}. My balance is approximately {$2000.00}. I called to ask how they calculated the fee/interest. The man said they applied to interest rate ( approximately 14.50 % ) to the outstanding balance daily and arrived at the interest payment. I am really looking to understand how the contract changed.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and identity theft Kindly block and delete the account within 4 business days as required by FCRA 605B 15 USC 1681c2. Please find the attached FTC reports and other relevant documents.
Product: Debt collection

I am filing this complaint because this company is attempting to collect on debts from XXXX accounts that were allegedly " paid in full '' according to my XXXX credit report. Both Portfolio and XXXXXXXX XXXX and have been reporting duplicate accounts. I have disputed these inaccuracies to no avail. This company is a lying, conniving, and deceptive debt collection company who has been stepping on me and inflicting unnecessary pain on my life. They are benefitting from my misery in which both XXXX XXXX and Portfolio has caused. They are in violation of the FDCPA XXXX ( XXXX ), XXXX ( XXXX ) ( A ), and XXXX ( XXXX ). Portfolio Recovery Associates was also disputed through the CRAs and had failed to rectify the incomplete information they had been reporting on the accounts. They did not report the complete payment history as I had requested, and they " Verified '' the accounts to be accurate on XX/XX/2024, when they were in fact false. This is both deceptive, false, and fraudulent.
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.

I am writing to dispute certain items on my credit report that I believe have been reported unlawfully and may be in violation of federal law, specifically 18 USC 894.

Upon reviewing my credit report, I have identified the collection. These items appear to be associated with attempts to collect or punish me for non-repayment of credit in a manner that may be considered extortionate.

Under 18 USC 894, it is unlawful for any entity to knowingly participate in the use of extortionate means to collect or attempt to collect any extension of credit, or to punish any person for the nonrepayment thereof. I believe that the reporting of these items on my credit report may constitute a violation of this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT INFORMATION DUE TO ID THEFT APPEAR ON MY CREDIT REPORT / TOO MANY INCORRECT LATE PAYMENT, DEFFERENCE NAME, ADDRESS AND INQUIRIES NOT AUTHORIZED BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the account XXXX XXXX XXXX XXXX i am asking you to verify as accurate
Product: Checking or savings account

I sent money via XXXX to what later learned was a scammer, I contacted my bank immediately and they said that they were going to put a request to get my money back. I received a letter stating that since I sent the money willingly, they couldn't do anything about it
Product: Payday loan, title loan, personal loan, or advance loan

I had a prepaid loan paid off with money lion on XX/XX/year> but it has been past the XXXX business days per contract and the loan has not been released I have submitted multiple disputes with money lion and there has been no resolution or updates. 

I have applied per contract but this is not resolved
Product: Credit reporting or other personal consumer reports

I have submitted a request for this company to remove this account from my credit profile because it is still reporting as delinquent and effecting my score. The debt is no longer a collection of mines and that was the excuse as to why it is still reporting. The account is charged off as a XXXX balance however is still reporting negatively on all XXXX bureaus. I have contacted the company and the bureus and both are in violation. 

FAIR CREDIT REPORTING ACT/REGULATION V Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. 

With that being said these accounts do not line up properly. 
REPORTING ON EXPERIAN 1. DATE OPENED - XXXX XXXX XXXX. DATE CLOSED - XX/XX/XXXX REPORTING ON XXXX DATE OPENED - XX/XX/XXXX This information is incorrect and documented. I am requesting that you please remove this from my credit profile. 

I have submitted an FTC report in the past, it was overlooked and I am really not in the mood to go back and forth about a line that you guys are reporting wrong.
Product: Credit card

I had a balance on the credit card that I paid a partial payment in month XXXX and then paid the full balance in month XXXX, however, I was assessed a Mininum Interest Charge of {$1.00} after the balance was paid in full and it is also listed as a fee charged. The disclosure on the statement says " we will not charge you interest on purchased if you pay your entire balance by the due date of each month '' which I had paid the full balance by the due date on month XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were made around the same time last year when I was XXXX  that I do not recognize nor did I authorize ; XXXX XXXX  XX/XX/2021, GMfinancial XX/XX/2021, XXXX XX/XX/2021
Product: Debt collection

Dynamic recovery solutions keeps calling me after they have said they 'd cease all communications. I do not owe dynamic recovery solutions or anyone else any money.
Product: Credit card

I applied for an Open- Ended extended line of credit with AMERICAN EXPRESS XXXX XXXX and was denied. Regardless of the reasons for denial, I have the right to credit. With holding my access to my securities is SECURITIES FRAUD. AMERICAN EXPRESS IS VIOLATING THE EQUAL CREDIT OPPORTUNITY ACT AND CONSUMER AND CONSUMER CREDIT PROTECTION ACT. CREDIT DENIAL IS CONSUMER FRAUD SINCE AMERICAN EXPRESS HAS DENIED ME MY CREDIT, PLEASE RETURN MY APPLICATION FOR IT IS NOT A GIFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I reviewed all 3 credit reports and noticed that the late fees for XXXX XXXX  ( XXXX and XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX are still not reporting accurately. I've previously mailed letters, sent emails, and have made calls only to be advised that they are unable to update payment history and that I will need to contact the credit bureaus. The credit bureaus directs me back to the creditors. I am in the process of closing on my new home and the payment history/late fees are reflecting poorly.
Product: Vehicle loan or lease

I purchased a car from a XXXX dealership on XX/XX/XXXX. I purchased the car with tag and registration fees, so I thought. My temporary license plate expired on XX/XX/XXXX. I noticed that the date was coming close, and I called the dealership to ask what was taking so long for my license plate. They told me that I would need to go to the tag office for an extension. After driving on the extension temporary license plate, I saw it was going to expire again. This was 90 days after XXXX XXXX. Still, I haven't received a tag. So, in my dissatisfaction I called the dealership and asked for an explanation. They told me there was a mistake in the title and the registration process. So why should I have to pay for that mistake when I was trusting they would do their due diligence to register my new car. I ended up taking the car back to the dealership and speaking to a XXXX who would not resolve my situation even disrespecting me as a person. I never want to do business with this dealership again. The car was not worth having to deal with the stress while having to go back and forth with the dealership. I have been trying for months to resolve this issue but to my luck I am treated as a XXXX  individual. In my frustration I took the car back to the dealership because I was dissatisfied with the way they handled my situation. I demanded a refund because the amount of time it took for them to register the car. Even, allowing me XXXX XXXX on an expired tag. The dealership threatened me with a repossession after dropping the car off. So, I called the lending company that the dealership used for the financing on the car and explained the situation. I asked if they have received the title, and they told me that they had none. They reposed the car in the month of XXXX and sent me a letter on XXXX XXXX saying the car would be sold at an auction sometime after XXXX XXXX that was the last I heard from the lending company. Now as of XX/XX/XXXX I have late payments on my credit and XXXX accredited to my loan. I assumed the car was sold. The lending company never sent me a notice of these payments, or the car being sold. The biggest problem I am having is that since I purchased the car in XXXX XXXX the lending company Valley National Bank has not received a title for the car. When I spoke to someone at valley national bank, they told me that the car was just sitting because it can't even be sold with a repossession because there is no title to put the repo on. Now I'm having to face credit hits and immense amount of pain and suffering to my life because of these people who are breaking laws and getting away with it. Please help me receive justice. I would like nothing else but to eliminate my involvement with both of these companies and have my credit restored.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX {$6900.00} XXXX {$6900.00} XXXX {$6900.00} I have explained to this company on numerous occasions that this is not my debt per divorce. They refuse to delete off my credit.
Product: Debt collection

I do not owe debt they are saying that I owe I am a victim of identity theft. I have reached out to the agencies and have not received any information on debt owed
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase reported my account XXXX over 30 days past due on XX/XX/2018 when the payment was made. The information needs to be corrected on my credit reports. This is an auto loan. My name is XXXX XXXX and my tel number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, i attempted to fill out the online dispute form and submit docs - was denied twice and told to submit by mail only - then there are more than one po box listed, which means they are trying to confuse people on purpose.

i am trying to send them a debt validation letter, along with a copy of my current XXXX financing statement, which should compel them by law to erase any  delinquencies. I am ultimately seeking to open a secured credit card with my new credit union and that can not happen if XXXX continues to evade receiving my documents. 
Thank you.
Product: Debt collection

This is about my CITI card For the month of XXXX my payment was XXXX, in XXXX it was XXXX, they always go up on the bill a small amount when I spend on the card each month. Then all of a sudden in the month of XXXX the company decided to move my payment up to XXXX. I call and ask about the big jump in my payment and the guy I talked to told me to let him check it out because that was an unusually big jump in my monthly payment. The guy came back and told me it was because my promotion had ended. I told him than was not true because I paid my promotion off months ago before I put anything else on that card. Ever since I paid that promotion off ( when I first got the card and bought some items from Wayfair ) they start to take out 34 % apr and 1 % apr. They have been taking out 2/3 of every payment I make every month since the promotion was over. I was told that my payment would return to the regular payment this month ( XX/XX/XXXX ) but this month my payment is a XXXX. I am willing to send the regular payment i should be paying which is about XXXX but not a big payment like that because they are keeping XXXX and only putting XXXX toward the principal of this bill. I talk to the manager, and she told me if I wanted my bill to change then I should refinance the bill somewhere else.
Product: Payday loan, title loan, personal loan, or advance loan

Credit Karma had ran my credit without my knowledge for line of credit. This is an issue that needs to be fixed. XXXX XXXX and XXXX XXXX are the company 's that emailed me.
Product: Debt collection

I am Macy 's platinum customer for years and buy frequently online.. I recently purchased a diamond pendant online after it came on sale for more than {$3600.00}. The package arrived with seal partially broken.When I opened the box the jewelry was missing. I reported to XXXX right away and they asked me if I would like a refund or replacement after some investigation. They also promised to call with in 48 hours. Subsequently I called them every 48 hours but I was not getting any straight answer. Everytime I called they promised to call back but never did.. Finally they decided that the item was delivered and kept the charge on my XXXX credit card. I have emailed them several times but there response is the same, copy paste type... Now getting calls to make the minimum payment. I had also reported to XXXX about the missing merchandise. The tracking shows the delay twice at XXXX. The item could have been lost at any location. The item was not sent insured or signature required at time of delivery. Macys should have taken extra precautions when sending the valuable item..Now they are dropping on me to pay for something that I never received. I hold excellent credit score of more than XXXX because I am very responsible citizen. I would highly appreciate your assistance in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit collection agency reporting medical bill due. I did not have a XXXX XXXX XXXX XXXX  bill this year. They show I had a charge in XX/XX/2023. I have medical insurance anytime I go to hospital. They are incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

A notice of dispute and XXXX XXXX XXXX was sent to XXXXXXXX XXXX XXXX XXXXXX/XX/2022, and signed for at their office on XX/XX/2022. A copy of that letter is attached to this complaint. XXXXXXXX XXXX did not reply and only put a dispute notice with XXXX of the credit reporting agencies. There is conflicting information being reported amongst all XXXX major agencies which is a violation. XXXXXXXX XXXX continues to report this false information, and the credit reporting agencies have made no effort to confirm that any of this information being reported is correct.