23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 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 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 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/2023 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I was traveling to XXXX with friends the week of XX/XX/2023. While there, we utilized Venmo to pay each other for various excursions, at the very most, transactions were {$100.00}. Upon arrival back to the States, on XX/XX/2023, my account was frozen due to " suspicious activity ''. After talking to numerous help agents at Venmo I was told that the issue was escalated to an account specialist. A week later, on XX/XX/2023, I was told via email that I had violated the user agreement and that my account was slated for permanent deactivation with no chance to recover my balance. This email also stated that Venmo was not allowed to disclose how they came to this decision. This is nothing more than an arbitrary decision without any factual basis and theft.
Product: Checking or savings account

I am coming to you for assistance dealing with a Fraud Scam issue. I am a XXXX XXXX XXXX senior citizen that lives alone. I've had a Citibank relationship for 25+ years. I rely on my iphone to pay bills that I review carefully every month. I have minimal computer skills. I have NEVER used XXXX and do NOT have knowledge about it being connected to any of my bank accounts. I was getting a membership with an online dating service : XXXX, when I logged into XXXX I encountered a problem with my XXXX. I enlisted a computer company : Support @ XXXX and a technician fixed the problem. Now I was able to sign onto XXXX. 
Within an hour I received a phone call from XXXX who identified himself as a XXXX representative and told me that my subscription was cancelled, but he would help me reinstate my XXXX account. I agreed to let him help. I do not recall the questions/requests he made of me, however he had me do various transactions with XXXX which XXXX was TOTALLY unfamiliar with. He had me do approximately XXXX XXXX transactions totalling {$8700.00} on XX/XX/XXXX and more on XX/XX/XXXX. He also had me purchase {$3000.00} worth of gift cards.For detailed information please see attachments with Fraud Investigations and Police Involvement.
Product: Credit card

I ) National HouseHold Appliance store ; Conn 's HomePlus, Store # XXXX, Located in XXXX, Texas, XXXX County, zip code XXXX ; Using Unethical and Deceptive trade practices for personal financial gain. 
II ) Items listed on Contract /Invoice number XXXX, dated XX/XX/2016, in the total amount of ( U.S . Dollars ) {$2100.00}. 1 ) Used invalid Model number 2 ) Invailed Description 3 ) Invailed Unit Price. 
III ) Items delivered were : 1 ) Incorrect 2 ) Used not New 3 ) damaged. 
IV ) Contacted Sales personal XXXX XXXX and Store Manager XXXX XXXX at store XXXX location ; Refused to correct. Stating Corporate Office must correct. 
V ) Contacted Corporate Office ; Conn 's HomePlus, located in XXXX, XXXX County,? Texas, zip code XXXX-Very dishonest. 
VI ) Receiving No assistance from XXXX store, Corporate Office and Warehouse REFUSING TO PICK UP ITEMS. 
VII ) Within the XXXX XXXX XXXX XXXX day period I voided contract /Invoice listed above on XXXX XXXX, 2016. 1 ) Wrong items 2 ) Used Items 3 ) damaged Items 4 ) OVERCHARGED XXXX ( XXXX ) different Credit Cards. 
VIII ) The XXXX ( XXXX ) forms of payment stated on contract /Invoice 1 ) I was totally UNAWARE that I was opening a NEW CONN 's Credit Card thru Conn 's /Synchrony Bank Financial where ( U.S. Dollars ) {$2000.00} was charged 2 ) XXXX Credit Card ; XXXX XXXX XXXX where {$170.00} was charged. 
IX ) I contacted Conn 's Credit Card /Synchrony Bank Financial-I was told CREDIT WOULD BE ISSUED. As of today 's date XX/XX/2016 NO CREDIT ISSUED. 
X ) I contacted XXXX XXXX XXXX Credit Card as soon as I saw it on Contract/Invoice. 
XI ) **SPECIAL CIRCUMSTANCES*** to be noted : On the date I went to XXXX Store XXXX, XXXX XXXX, 2016, XXXX 
It is my belief that Sales personal XXXX XXXX and Store Managemnt, XXXX XXXX used my medical circumstances in " Bad Faith '' to gain Personal Financial Gain. 
XII ) It is my belief that CONN 's has no intention of " GOOD FAITH '' to correct.
Product: Bank account or service

In XX/XX/XXXX I was notified by XXXX that someone used my identity to open a checking account at Compass Bank. I called XXXX, they directed me to call their parent bank, named Simple, at XXXX. I called Simple to let them know my identity was stolen, and they refused to tell me anything about the account. 
They refused to close the account, though I called multiple times and explained that it was a fraudulent account. I then did a XXXX call with XXXX and XXXX Bank in which the XXXX rep explained the confirmed ID theft. Simple rep said she would then close the account, but refused to send me anything in writing. I called Simple again on XX/XX/XXXX and again asked for a letter to confirm the fraudulent account was closed, the rep refused. She said the account was " no longer eligible for phone support '', that she had " to disconnect the call '', and I was not to call there XXXX asked to speak with a supervisor, was transferred to XXXX. He also refused to send a letter, said it was not their problem that someone opened an account there with my stolen identity, and their policy was to not provide any info or send anything in writing, not even to confirm they closed the account. I asked where they are actually located, he refused to tell me. He said they are an online bank, but said their physical location and the state in which they are registered to do business was " not pertinent '' to the conversation. I asked for a mailing address, he said he would not give it to me. I asked for anything to confirm they even closed the account, he said " this account is no longer eligible for phone support '' and that he had to " disconnect the call ''. Would not even confirm it was closed. He refused to give me an account number or any info at all about the account that I could have to document the fraud. I have no way of knowing if they even closed the account, and am very concerned that it is still open in my name.
Product: Credit card

The company has reported multiple months the account was charged off. They charged it off once but its reflecting multiple months it was charged off which is inaccurate. The company never notified me that the account was charged off and I did not receive the tax forms to report it to the IRS as income.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian Dispute Department, XX/XX/2020 Re : Dispute claims from Creditor : XXXX XXXX XXXX and XXXX XXXX. 
Report number : Date Generated : XXXX XXXX, 2020 XXXX XXXX. 
Amount : {$110.00} Dear People, This is a complaint against XXXX XXXX XXXX and XXXX XXXX under the federal Fair Debt Collection Practices Act. We allege abusive and deceptive practices. 

For services performed onXX/XX/XXXX and XX/XX/2020 in XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) has failed to invoice me. To this day they have never sent me a bill for their services. 

Nor did I receive the usual Explanation of Benefit from my insurance company, XXXX XXXX and XXXX ( XXXX ), regarding my co-pay to DRS. 

The first bill I received was from a collection agency, XXXX XXXX which didn't tell me that I was to be charged daily interest and nor would it report me to credit burau as the case in dispute. 

XX/XX/2020, when I again called XXXX about co-pay to XXXX, insurance agent XXXX again told me there were no claims from XXXX. XXXX called XXXX while I was waiting on line. XXXX at XXXX acknowledged to XXXX agent XXXX, that XXXX had made claims to a wrong address. She promised to resubmit claims to XXXX and to bill me. She also agreed to tell collection agency not to pursue actions against me. Taking XXXX 's words, XXXX told me to disregard the bills from collection agency and wait for XXXX bills. However, XXXX didn't take actions as promised. 

XX/XX/2020, I called XXXX to request the claims from XXXX  in writing. XXXX tried to contact XXXX unsuccessfully. I requested a complaint letter to XXXX. 

XX/XX/XXXX, I called XXXX regarding the reply to my complaint letter. There were five separate charges from XXXX  which were confusing, since I have never seen these numbers before. I waited for XXXX itemized bills until XXXX XXXX. 

XXXX XXXX, XXXX automated phone message indicated my balance was five dollars. I spoke to XXXX @ XXXX billing department, who indicated that the balance was {$270.00}. I offered to pay the balance, but XXXX said she would not take credit card payment, I needed to pay in some form of cash. To use credit card, I need to deal with collection agency, XXXX. 

No useful discussion has been possible with the collection agency. They want all the money they can get. 

XXXX XXXX Solutions made a number of mistakes. I was caught in the middle of the mess XXXX made. It is XXXX ' responsibility to resolve this issue for me. I am willing to pay {$270.00}, with no additional fees, nor interest. 

I didn't learn about the itemized bills until XX/XX/XXXX, when XXXX answered my complaint. To this day, I still have not gotten any itemized bills in writing from XXXX. 

In the middle of the pandemic, many things have gone wrong. It is unfair for any business to ignore the facts, especially its own mistakes. 

Sincerely, Copy to : XXXX XXXX XXXX XXXX XXXX. 
FTC
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX , Equifax and  XXXX  credit report. I been receiving death threats from   XXXX   XXXX   representatives. The following collection account is fraudulent :   XXXX   XXXX  ,  XXXX / XXXX / XXXX , Balance {$460.00}, the following credit inquiries are fraudulent and unauthorized :   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: Debt or credit management

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding unauthorized hard inquiries that appeared on my credit report following my visit to a Toyota dealership for the purpose of purchasing a vehicle. 

On XX/XX/year>, I explicitly authorized only one hard inquiry ( with XXXX Bank ), allowing a single company to review my credit. However, to my surprise, additional hard inquiries from other companies appeared on my credit report, causing an unnecessary and unjustified negative impact on my credit score. 
Th
ese unauthorized inquiries are listed in the attached document for your review. I believe these actions violate my rights as a consumer, as I did not provide consent for multiple credit checks. 

I kindly request the CFPB to assist in resolving this matter by : 1. Investigating the conduct of the Toyota dealership and the involved companies regarding these unauthorized inquiries. 
2. Requesting the removal of these inquiries from my credit report to mitigate the damage caused to my credit score. 

I have attached relevant documents, including the list of unauthorized inquiries and my correspondence with Toyota regarding this issue. I hope this matter can be addressed promptly to ensure my credit report reflects only authorized inquiries. 

Thank you for your attention to this matter.
Product: Mortgage

See complaint  XXXX . Issue not resolved.  Ocwen omsbudsman kept referring to statements not present in Agreement  that was signed from GMAC. Today recieved same hard copy of letters of notice raising my interest iaw a step agreement. But nowhere in the agreement does it state that it is a step agreement, rather para.  4 sta tes a fixed rate for the life of the loan. Today the packet contains a letter that is a pre notice stating words to effect that  Ocwen i s trying to substantiate thier cause, it is dated  XXXX / XXXX /  XXXX  . I or my wife never recieved or had any knowledge of such a letter. This is the first time we have seen this letter, and it was never provided in any correspondence from Ocwen or GMAC prior to today. The letter is suspicious in nature in that there is no official letter head as in all other corespondence, Some of the writing is fuzzy and not of the same quality as in certain paragraphs and the ink in those paragraphs are definitely dark as to indicate that some one has super imposed writing over another letter. The letter is not signed by anyone. It just has a empty signature block stating  Loan Modification Specialist!  Any reference that this  XXXX  from GMAC is what appears to be a rubber ink stamp. I am giving Ocwen a chance to explain this obvious fraudulent letter. I will be forwarding all documents, especially this letter to appropriate Judical authorities for action! I ca n't believe that someone actually sent me this letter!!!
Product: Debt collection

I purchased a vehicle through XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The vehicle was voluntarily surrendered on XX/XX/XXXX. On XX/XX/XXXX the vehicle was sold. I was sent a notice stating the balance owed was {$3100.00}. At some point in XXXX, the account was sold to NCB Management. NCB Management is reporting a balance of {$2100.00}. I requested validation of this account XX/XX/XXXX. On XX/XX/XXXX2018 NCB forwarded me documents from XXXX. Upon reviewing the documents I noticed that XXXX falsified the amount owed. The amount owed was indeed {$2100.00} instead of the amount they originally told me. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which is enforced by the FTC. XXXX is also reporting my last day of payment as XX/XX/XXXX but it is not reflected in the itemized list of payments. This would decrease my total amount owed by {$360.00} so again, this is illegal. Furthermore, XXXX is in violation of their Arbitration clause by sending my account to a third party, NCB Management. NCB Management has no legal right to collect the debt and by the reporting of this debt, they are in violation of FRCA.
Product: Debt collection

Afni Inc  is reporting a debt of {$320.00} that I do not owe them.     They claim to be servicing a debt on behalf of  XXXX   XXXX   XXXX  but I 've never had an account wit  XXXX   XXXX   XXXX   XXXX   before. Not just that, at this very moment there is another collection agency under the name "   XXXX   XXXX   '' who is also reporting this same account to my credit?     How can  XXXX  collection companies be collecting on the same debt? Is n't that illegal?     I am attaching a screenshot from a recent report which shows how   XXXX   XXXX   is reporting this to my credit with a different account number.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by these  XXXX  collection companies. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     The account number for  Afni Inc ' s debt is "  XXXX  ''. My report indicates that the account has an " open date '' of    XXXX   XXXX
Product: Credit card or prepaid card

I would like to make a complaint about Barclays Bank US. My access to my bank account has been restricted online. As a result of my restricted access, I was late to make the payment last period. When I called the company, they asked for my address and I told them that I used to live in New York, but I recently moved for school. They said that since I was not able to provide me with my information since I did not have the address. When I aske I can make a payment since my account is blocked online, I got conflicting answers. Given the issue, I had a few follow up questions, but the person speaking to me on the phone had a very condescending tone and and refused to be any helpful. Every time I tried calling back, I had to wait over an hours on the wait line. The person who answered the phone was the same person and kept giving me mixed answers. They asked my to send them documents, which I did, but my access is still blocked. It is impossible for me to get hang of anyone since there is an hour wait and no call back option. Last time I called the customer service representative hanged up on me ever thought it took me more than hour to wait for the call. The company refused to deal with a simple change of address and blocked my access and and as a result, I am unable to make payments.
Product: Mortgage

As of XX/XX/XXXX my Conventional Loan that is serviced by XXXX XXXX is below 79 % Loan to Value and I have 0 missed payments since closing on this loan in XX/XX/XXXX. All of my payments and statements have included a Private Mortgage Insurance ( PMI ) payment of {$33.00}. I requested in writing to remove my PMI on XX/XX/XXXX due to the fact that my Loan to Value is now below 80 % and I have never made a late payment or missed a payment on my loan. I never received a response and my XX/XX/XXXX payment was still processed on XX/XX/XXXX with the {$33.00} PMI included. I sent a second request to remove my PMI on XX/XX/XXXX and again have not received a response. I contacted XXXX XXXX on XX/XX/XXXX and spoke to an agent that informed me a response would be provided to me by XX/XX/XXXX but I have received a response, and my XX/XX/XXXX statement still contains the {$33.00} of PMI.
Product: Debt collection

Back in 2014 I contacted XXXX XXXX XXXX to start a new service, when I received the bill the charges was ridiculous and I had a bill from XXXX XXXX  that I did not sign up for. I was calling XXXX XXXX XXXX for its u-verse services. I was not happy with how things was going so I contacted the BBB to help ( BBB complaint Case # XXXX ). This issue was supposed to be resolved to my knowledge. I paid the outstanding balance and took my business to another more honest provider. Now 5 years later I have a collection notice on my credit report that has reduced my credit score significantly. This account was sent to collection for equipment that I returned and an early disconnect fee that I shouldnt have been charged for a service I was unaware I was receiving.
Product: Debt collection

On XXXX XXXX CCS had called my husband mother looking for me as well as contacting XXXX XXXX my husband on his work number. My husband asked that he not be contacted on his work number. They called three additional times. CCS called from XXXX and they called XXXX. This number is owned by XXXX and can only be used to conduct business. On that day my husband received a written reprimand concerning receiving personal calls. 
I called CCS the same evening asking that he not be contacted especially on his work number for something he isnt responsible. I was transferred to XXXX XXXX settlement supervisor asking why he was contacted at work the question was never answered but an apology was given as well as stating that the number would be removed and the account would be annotated concerning my complaint and the calls would be reviewed
Product: Credit reporting or other personal consumer reports

This has damaged my credit and for me to buy a house as a single parent
Product: Mortgage

The backstory as I've been able to find out to date is I was refinanced into a XXXX HELOC from Pentagon Federal Credit Union of {$75000.00} in XXXX. I think this loan was originally for a much smaller amount but I was XXXX on active military service and the loan needed servicing which I was unable to personally take care of. So I ended up setting up an automatic payment HELOC with the objective to fully pay it off when I sold my current home. Approximately 3 years ago Penfed advised me my $ 150 monthly payment was not covering interest so I upped the automatic payment to {$200.00}. About six months ago, PenFed said the interest on the loan was not being covered. I personally tried to do something to get this loan into more manageable status. I am retired from military now but work on landscape jobs and was busy getting ready for my next season of work amid the developing pandemic crisis and look after my aged mother 's safety. So I continued to do the auto payments. 
So now, what happened is I received a computerized payout on Monday, XXXX XXXX advising me the HELOC was due XXXX XXXX for principle and interest of {$51000.00}. I was shocked and surprised as I was trying to continue working. I took time away from my business to call many places at PenFed and have documented the email and phone contacts. It was not a satisfactory process. I am trying to refinance the HELOC and have not yet been able to talk to the right phone contacts. When I personally ended up taking the risk to visit PenFed on Sat, XX/XX/XXXX I was advised their loan dept would be open again after the XXXX XXXX XXXX. Which is where I am now. 
I intend to try to pursue a refi and a mortgage that will include payoff but it's not going to begin to happen by XX/XX/XXXX, less than a week now. This at the least presents an entirely unreasonable way to settle the loan payment which I am responsible for. I can pay more, I have a good credit rating which I've worked diligently to acquire, at XXXX as of XXXX XX/XX/XXXX. However, it looks necessary to start the complaint process to protect my interests from further unreasonable and unnecessary exploitation and stress.