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

XXXX XXXX XXXX, has violated my consumer rights of the Fair Credit Reporting Act - FCRA under 15 U.S.C. Sec. 1681i ( a ), - XXXX XXXX  reported a debt collection on my credit report without verification / validation for two different Account Numbers : XXXX : Account number : XXXX - in the amount of {$30000.00} EQUIFAX : Account number : FINANCXXXXXXXXXX - in the amount of {$30000.00} - XXXX XXXX XXXX, did not contacted me before reporting information to the credit bureaus. 

- XXXX XXXX XXXX, has failed to provide information validating debt, written documentation, original agreement with original signature of said debt. 

- XXXX XXXX XXXX was contacted via certified letter and returned receipt ( attached ) to remove Unverified, Inaccurate, and incomplete info to credit bureaus. 

- XXXX XXXX XXXX, has persistently reported inaccurate and unverified information to credit bureaus since XX/XX/2019. 

Furthermore, 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.
Product: Money transfer, virtual currency, or money service

Who is refusing to release my funds. I have created a Venmo account for my business a few months ago. My clients have sent me payments via Venmo and now Venmo is holding all my funds and disabled my account with no opportunity to appeal. 
Who attempting to add a bank account, Venmo appears to have trouble with its verification. I have supplied extensive documents pertaining to identification, my business documents, client transactions, banking statements, personals, etc. Everything is valid and up to date. Despite all this, Venmo still is not allowing me to add my valid bank account details and has abruptly and permanently disabled my account XX/XX/ XXXX XXXX 
There is no appeal process. This is unjust to say the least. How can a company deny extensive valid documentations and steal all my hard earned monies?
Product: Credit reporting or other personal consumer reports

I discovered errors on my credit report related to 15 USC 16c-2. The inquiries noted were not authorized by me and are negatively impacting my credit. Please eliminate all unauthorized hard inquiries. Thank you!
Product: Vehicle loan or lease

Ally Financial and their business partner XXXX XXXX sold me a vehicle, deceiving me about the value of the vehicle, ability to refinance, and my credit worthiness. They took advantage of my naivety, marking up the vehicle over 150 % above XXXX, promising me I'll be able to refinance 6 months later, and ensuring me the validity of a deal to ensure me in a contract that put me at a significant and long lasting disadvantage. This was confirmed sic months after the deal by the XXXX of the same dealership, who told me I was taken advantage of. Ally Financial knew this was happening and enable and participated in this fraud. I believe they did this because I was an XXXX XXXX XXXX woman, and discriminated based on my age and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I have requested debt validation from this company several times. I have requested information about what this account is for, the date of XXXX delinquency, and an itemized final bill from ERC. 

The XXXX request was over 60 days ago and the last request was over 30 days ago. The only information I have recieved is a paid in full letter. I requested debt validation. 
I was told over the phone that ERC does not have this information and they need to contact the Original Creditor for this information. 
I paid this debt in full to the Original Creditor, ERC is continuing to report this debt with inaccurate information to the CRA including the date of first delinquency and the amount of the debt owed.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that despite previous correspondence and documented proof of communication, you have not complied with my request. Pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I assert my right to dispute inaccurate information currently reflected on my credit report. It is my expectation that a thorough investigation into my claims be conducted promptly. 

I have already escalated this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in order to seek their intervention and assistance in resolving this issue. Copies of this communication will also be forwarded to the Federal Trade Commission ( FTC ) for their records. 

Reasons for Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX intend to secure my right to privacy and Portfolio Recovery Associates, LLC breached my privacy pursuant to the Fair Debt Collections Practices Act. 

I demand they remove my information from their website, company records, or any and all derivatives therefore, of, and/or with any affiliates to ensure my privacy rights won't be violated again due to my lack of consent. 

I demand Portfolio Recovery Associates, LLC shows good faith in this matter by expediting the securing of the alleged information listed on their site in order to avoid me receiving further injury, damages, mental anguish, and losses due to their clear violations of 15 U.S. Code 1692.

Portfolio Recovery Associates, LLC used false, deceptive and/or misleading representation or means in connection with the collection of an alleged debt. This is a clear violation of 15 U.S. Code 1692e.

Portfolio Recovery Associates, LLC was also in violation of 15 U.S. Code 1692b ( 2 ), 15 U.S. Code 1692b ( 5 ), 15 U.S. Code 1692d ( 2 ), 15 U.S. Code 1692d ( 1 ) in their communication with the consumer XXXX XXXX. 

Portfolio Recovery Associates, LLC willfully and knowingly failed to comply with multiple provisions of 15 U.S. Code 1692 and are in fact civilly liable pursuant to 15 U.S. Code 1692k.
Product: Debt collection

I do not have a contract with this company IQ data. This company continues to report inaccurate information and they are reporting charges that I do not owe! The company they are working with is XXXX XXXX XXXX ( sure deposit ) i have uploaded a copy of the letter from them stating the information reporting on credit file is inaccurate and they are going to fix this issue I do not owe IQ data never had a contract with them this company was reporting I owe them XXXX but is reporting on credit file as XXXX the balance entire acct is not mine I have never lived in XXXX the XXXX XXXX they are referring the debt to.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft due to a data breach by Experian, XXXX, and XXXX and I registered on the identity theft website, these people been using my information for XXXX  years now and I'm getting so many problems. I contacted all credit bureaus and they refuse to help me.
Product: Credit card or prepaid card

When I set up autopay for the XXXX XXXX credit card through Bank of America, I was presented with four options : 1. Amount Due 2. Minimum Amount Due 3. Account Balance 4. Fixed Amount I selected Amount Due, thinking I would pay the entire balance due. Rather, I was charged the minimum amount due, and was charged interest on top of that. 

Essentially having two options to pay the minimum amount due using different phrasing is misleading and to me, which I see as an intentional way for the bank of trick the customer into paying interest. 

I spoke with an associate to reverse the charges, and they agreed to do so, but as a principal of the matter, it shouldn't be this confusing to set up autopay. I would like for BoA to change these options so that future customers aren't scammed into paying an interest fee, especially when the customer 's initial intention was the pay the balance in full.
Product: Credit card or prepaid card

Wells Fargo Bank closed  XXXX  of my accounts without notice and then would not let me pay them off for over  TWO YE ARS! They continued to show me Charged OFF and hurt my credit score for THREE Y EARS NOW! Accounts ending #  XXXX  for {$260.00} and #  XXXX  for  XXXX .     I had to hire an attorney to get  Wells Fargo to accept payment and they would not accept payment! I tried going into the bank and asked the managers to accept cash and they would not. I sen t two checks in a  letter I sent to Wells Fargo Headquarters in   XXXX   XXXX , certified mail return receipt ( attached ), attention the VP of Consumer Credit and they did not cash my checks and did not even respond to my certified letter! I have written letters and rec 'd   one form letter back which was a joke since they would n't accept payment.
I read an article about how Wells Fargo created all those FRAUD loan accounts and saw a special line to call if I had problems with Wells Fargo and called. That person DID accept payment and these   XXXX     accounts are now paid in full  XXXX      2016 ( attached ).
All the time however, Wells Fargo continued t  o report me as a charged off account hurting my credit scores after I walked in and tried to pay these accounts off in cash!!
Product: Credit card or prepaid card

Way2Go removed the bank transfer option, so the only option is to do bill pays direct or withdrawal cash. They note you can call XXXX to do a funds transfer to bank, but after calling and trying all the options, there were not options via the number to do a bank transfer. I need the money in the bank account that I use to pay my bills already. 

I've set up the direct deposit for additonal money to go to my bank. I have XXXX as my bank and they don't have physical branches, so it isn't easy to pull out all the cash ( incurring fees anyway ) and deposit into my bank. 

Way2Go needs to add the bank transfer option back! They are doing this intentionally so you use the money in ways that will incur more fees for them.
Product: Mortgage

I have tried to call in and get my late fee waived, which has never been done. Every operator is a foreigner who barely speaks english, and hang up on me several times. They never take care of the request for the late payment taken off, and only because I get frustrated, they treat me bad, and refuse the request because they don't like me.

They waive many other peoples late fees, but my late fee has never been waived, and they discriminate against me, when they let other people pay late with no fee and refuse to treat me in the same manner.

It is impossible to talk to people who do not speak english, and always hang up on me. It is impossible for me to get fair treatment. 

My late fee should be waived if others are waived. It is discrimination to not do so. All the operators do is hang up on me.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I opened a Coinbase account through XXXX and was promised a signup bonus of around {$60.00} once depositing {$100.00}. 

I've opened up a claim with XXXX the next day since I never saw the bonus post after depositing {$100.00}. XXXX has since been saying they're still working with Coinbase to verify my account open. It's been over a month since I've opened an account, so I'm raising a complain in hopes Coinbase can expedite the verification process as I've waited more than I'm comfortable with.
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.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 card

I have a Capital One Venture credit card. Recently, I tried to convert my rewards and transfer my miles to airline partners online. Unfortunately, I encountered errors during the process, preventing me from verifying my account successfully. 

To address this issue, I contacted Capital One customer support on XX/XX/year> and provided all the necessary information to verify my identity. Although the customer service representative was able to verify me over the phone, they informed me that the verification for converting rewards must be completed online. Unfortunately, they were unable to offer further assistance. 

Despite providing accurate information, I still faced difficulties accessing my miles for purchasing tickets from airline partners. The customer service representative emphasized that there was nothing more they could do, which left me feeling frustrated and without a resolution to my problem.
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, 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 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 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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved away from my old address in XX/XX/XXXX and never cared to do a address change. 
On XXXX I wrote out a check to a friend and watched him deposited the check. Somehow the check landed in my account but also bounced from insufficient funds but was also told that the check cleared. Then when I address the banker that helped me out most the time he altered the transactions not knowing that I already have statements of it printed out and made slot of copies. This caused me to did into other activities and transactions which now I discovered involved all of my banks and accounts. 
No matter what I do ( change email, phone, phone number ) it doesnt matter. It will be compromised at will and if the bank can alter the transaction to a transaction I made a week ago that just got posted. How can I not recognize it to dispute it. 
Im limited with sources to help and no attorney is willing to take my case. Im asked to go into mediation but this involves more then just the bank that request me to mediation. It involves everything account associated with my social security number.
Product: Debt collection

They told me I could pay or I didnt have to. I f I paid it it still wouldnt help my credit report and then wanted to charge me to get services to remove stuff from my credit report
Product: Mortgage

Throughout the end of XXXX and into early XXXX I received notices from my mortgage company, Freedom Mortgage, and my fire insurance company, the XXXX XXXX plan, that there was a problem in getting my fire insurance paid through the escrow account. 

I called Freedom Mortgage to ensure they had the information they needed to pay and premium on the policy and was told not to worry. I was expiring on XX/XX/XXXX and payment would be made prior to cancellation. 

I also have a homeowners wrap around policy with XXXX that was supposed to be impounded as well. On XX/XX/XXXX I received notice that my XXXX  policy had expired so I paid it out of pocket and called Freedom Mortgage to get an update on the XXXX Plan fire insurance. 

Freedom Mortgage informed me they weren't impounding for my XXXX policy and that the XXXX Plan had been paid. 

I travel for work and got home to a letter stating that my XXXX  plan had not been paid and it was subsequently cancelled. 

Again, I called Freedom Mortgage and talked to an agent who could see the, in her words, " extensive history, '' of my calling to deal with this issue and could not explain why I had been told the policy would, and later, had been paid when it hadn't. 

My wife, XXXX XXXX, called later in the morning to see what could be done to reinstate the insurance ( short answer-nothing ) and understand why the payment hadn't occurred. Suddenly they couldn't see the call history that the previous person could see. 

I have had to reapply for insurance and the XXXX  Plan won't accept payment from Freedom Mortgage and I am trying to get reimbursement from my escrow from Freedom Mortgage so I can pay that bill. I have called three times today over the last 2 hours, no one has been any help. The first two calls were ended while I was on hold and had to restart the entire call process again. 

Freedom is the 6th or 7th mortgage company I have had to service my mortgages and the only one that has been a failure. Pure and simple this company is untrustworthy, incompetent, and has wasted hours of my life to not deliver on the simple task of paying my insurance with the money I already paid them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying improve my credit and take care of my responibilities and notice a few accounts that i wanted a little more explantation on, According to Fair Reporting Credit Act by law i have a right to challenge the validity of this inacurrate Falsely reported account 15 USC Sec. 1681b ( a ) Ive notice they cant provide soiid proof validating through XXXX XXXX XXXX XXXX XXXXXXXX never contacted the alleged creditor, 15 Usc 15 Usc Sec. 1692g ( a ) ( 1 ) ( 2 ) they never provided proof CFPB please assisit me with XXXX removing these fraudellent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX  XXXX XXXX XXXX  : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$890.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX  : {$350.00} XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OF XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX