23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have Used Venmo since XXXX. When I created the account I was married with the legal name of XXXX XXXX. After getting a divorce in XXXX I legally changed my name to XXXX XXXX on XX/XX/XXXX. I updated my account to reflect this change of name but they never actually changed my name of the debit card they issued me. 

On XX/XX/XXXX they sent me an email stating my account was frozen & I needed to upload my Driver license. 

After doing so, they responded on XX/XX/XXXX stating my account had been deactivated & the amount balance of XXXX $ would be held for 180days. Once the 180 had expired they would contact me on how to retrieve my funds. 

They simply stated I had violated their user agreements, but wouldnt tell me how I had done so. Or allow me access to my funds after repeated requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a counter-complaint to LexisNexis CFPB complaint XXXX XXXX XXXX XXXX InLexisNexis ' response they claim to not be a consumer reporting agency. And admittedly reports this information to the credit bureaus. I never gave LexisNexis permission to report anything to anyone and by law, they can not go and scrape my information from a public record and report it to a consumer reporting agency. On my credit report, it has the bankruptcy court as the furnisher NOT LEXISNEXIS so that is the violation by the credit bureaus and grounds for removal. LexisNexis is not a creditor on my credit report so they can not be used to report my information As for LexisNexis. I want them to delete any and all information that they have contained about me. Yes, they can view it in public records but they have no right to store my information anywhere without my consent. That is a violation of my privacy 1 5 U.S. Code 1 681 ( a ) ( 4 ). This serves as my warning of intent to use LexisNexis and the CRAs for fraudulently compiling information and reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account NumberXXXX has violated my rights. Or 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: Debt collection

___/___/___ Dear Sirs/Madams ; I recently received the paperwork regarding this case in the mail. The envelope was dated ____date______from_______adresss____. As I have read the paperwork, there was an attempt to serve me in person, the paperwork was serviced to a person that does not exist and I have concerns about consumer privacy. Clearly, as stated in the paper work ___________ was the substitute and spouse ; he/she is neither.
My spouse has been deceased for years and as aforementioned____________ was not and is not my spouse. The original paperwork was given to a complete   stranger not only compromises my privacy, it is a detriment to being able to resolve the matter within the allotted time frame. Furthermore, I attempted to resolve this matter and negotiate a payment plan however, by the time I received this I '' mailed '' paperwork the online option was unavailable. I suffer from  XXXX   ( docu mented ), my privacy is especially important, due to this matter my stress is elevated-Who in fact received my paperwork? Why did I not receive it that day? What does this unsaid stranger know about me?   I tried to resolved this matter with your client before it came to this ( I have photos of trying to pay the bill on line and the down payment was ambiguous-and I have photos of it changing, I tried for a larger payment to not avail ).     I made every attempt to pay the bill, after my after my spouse died my accounts needed to be changed to a solo account and this takes some time ; coupled with identity theft shortly after-not only is a strain but it takes quite a bit of time to change these things. I am not eluding my responsibility, I am sincerely trying to resolve the matter and made calls expressing my situation long before this : bottom line is I could not make payments from an account I have no access to. My children had to take this responsibility in interim because my inaccessibility to all the matters that needed to be accomplished, legal matters are time lengthy-especially after death.     Sincerely, ________________
Product: Mortgage

My name is XXXX XXXX I live At XXXX XXXX XXXX XXXX XXXX   va. On XX/XX/XXXXI called Ditech my morgage company and asked them how much is needed to bring my loan current since I was behind on my payments. They gave me the amount of XXXX   cents. I went to XXXX and made that payment using their bill pay process. On XX/XX/XXXX i called ditech again wanting to make my usual monthly payment thinking I am all caught up only to be told by the representative that my payment was not accepted and that we are under foreclosure. I asked for the name of the attorneys office and asked for the reason why was I not alerted I am in foreclosure and why did i not get correspondance. I was not given a reason for either. I called every day since then up untill XX/XX/XXXX asking where is the payment that i gave them for XXXX and what is the name of the law office handling my case. Not once did they gave me answer to either. On XX/XX/XXXX I received a lettwr from XXXX XXXX XXXX XXXX  wanting XXXX for the missed payments and XXXX in attorneys fees. I called ditech and law firm again asking why am I paying this and why am I given a forclosure letter dated for XX/XX/XXXX when they got full payment onXX/XX/XXXX. Since then I have been calling various non profits, ditech and XXXX XXXX wanting to get my money back for XXXX  that was the amount past due so I can make most current payment again and for the XXXX fee to be removed since I paid the balance owed way before this letter was sent. Ditech has been putting me on hours long holds and when they did speak to me it was in a rudest manner but money was never sent nor was I given any straight answers for 1. Why was I not initially notified of forclosure beforeXX/XX/XXXX? Why was my payment not applied and/or why was it not returned on time to me its been over month and a half and why am i paying attorney fees for debt that was paid month before? I feel like they been purposely dragging so the time XX/XX/XXXX comes around they can do a foreclosure and take my home. I have been living in constant fear and there is XX/XX/XXXXchildren under the age of XX/XX/XXXXliving here. All we want to do is pay our mortgage and move on. I was also told by ditech that if i was not lazy I would walk my XX/XX/XXXXto the library and fill out modification papers back in XX/XX/XXXX when I tried to reach them in regards to trying to find a solution to not losing my home. This was another issue before payment was made I requested modification papers at least 4 times and no luck. Enclosed you will find uploads of the letters and proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion for the credit XXXX  on my credit report. Their report that states that this creditor account was included in a bankruptcy. Also that this account wads closed on XX/XX/2014. 
Both of these are incorrect according to the attached letter from the creditor XXXX. Their records indicate that this account was charged off on XX/XX/2014. It was settled in a bankruptcy. This information has been reported incorrectly for 6 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX 15 U.S. Code 1681 Section 602a states I have the right to privacy 15 U.S. Code 1681 Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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. Code 1681s2 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. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to human trafficking-related debt bondage, which qualifies as trafficking under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  and debt XXXX, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXXXXXX XXXX XXXX - Balance : {$250.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1400.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$820.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$18000.00} - Account # : XXXXXXXX XXXX - Balance : {$1000.00} - Account # : XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I called into Tower Loan to make a payment. The manager XXXX XXXX refused my payment because I asked her to post date my debit card payment for the XXXX. She told me to call back tomorrow for payment then but my credit score would reflect XXXX  days late payment. My due date is the XXXX. So I told her that would be illegal because XXXX  days would be the XXXX. She hung up on me. I called back and spoke to another employee and asked her to make sure they documented that XXXX refused my payment and threatened to report me XXXX  days late. Manager overhears conversation and decided to let the employee take my payment. Well I check my report and she hit my account with a balance increase for the interest! I wasn't even XXXX  days late a whole {$98.00} which caused my credit score to drop. I have had loans with this company before and others and have never had anyone report a balance increase because of interest and not being late. Can you please investigate this. It took a Sr. Regional manager XXXX  days to respond to my calls after reaching out to other branches and inquiring on their reporting procedures where I was told they only report late payments. Please help I feel this is very unfair. When I was never informed they would report BALANCE increase over interest.
Product: Mortgage

This mortgage company is offering {$2000.00} egift cards for using their mortgage service. That seems like a thing of value, and requires you closing a mortgage with them. How is this allowed? 

This same offer for {$2000.00} egift card is on their actual website.
Product: Checking or savings account

I am trying to open a pnc checking account but I am being denied
Product: Credit card

XXXX of XXXX I first filed a complaint about a Chase credit card opened fraudulently using my social and name. I Filed another complaint XXXX about the same credit account still being charged to my name. I also learned there were XXXX fraudulent Chase bank accounts opened in my name and XXXX was used to make payments on the credit account. Chase replied I was responsible because of those payments from bank acct XXXX to credit acct XXXX. I have repeatedly sent the sheriff case # on this identity theft to Chase, plus D>L>, utility bill and XXXX card bill to prove my address was not XXXX. XX/XX/XXXX & XXXX Chase dated letters stating they confirmed that I did not open accounts ending in XXXX and would notify EWS to update negative credit reporting. Upon calling Chase credit fraud dept to ascertain that having the bank accounts confirmed as not me fraud would also confirm the credit account XXXX was not me fraud. I was told a payment was made in XXXX from an account in my name at Bank XXXX XXXX. I travelled the XXXX min XXXX way journey to a XXXX  XXXX XXXX nearest me and upon their searching for any accounts using my social they found none. Today I received a letter from Chase XXXX XXXX XXXX stating because i made payments from XXXX to credit account XXXX I am responsible. It is obvious that Chase can not handle their own investigation. I request a full intervention by this bureau.. I have wasted time, energy, gasoline and spent all my patience. They keep going in circles and continue to give me false information.
Product: Checking or savings account

I have never applied nor had an account with Bank of America. On XX/XX/XXXX a checking account was fraudulently opened with Bank of America. I received a debit card on XX/XX/XXXX alerting me that this account was opened. This card/communication was received at my mothers address. I immediately contacted Bank of America to report that I did not open this account. They informed me that the account had a {$100.00} balance and was opened using my name, social security number, date of birth, my mothers address, and a false phone number and email address ( I have the phone number and email if needed ). Bank of America then started a fraud investigation and placed a Fraud ID flag on the account. They sent me a Uniform Affidavit for Identity Theft on XX/XX/XXXX which request copies of my ID, Social Security Card, Social Security Statement, original account documents received, proof of residency, and other supporting documents. I called Bank of America on XX/XX/XXXX and informed them that I would not be sending copies of my personal information because there is not a branch location in the state of WV and I did not feel comfortable with sharing this private information with them. Also, according to their website and their agents, if an account is opened online, they do not request copies of any identify documents ( i.e. State/Federal ID, social security card , proof of residency, etc ). They informed me that I would not be able to close the account after the fraud claim is denied because they can not prove that it is me but the account will be reactivated/opened after the fraud claim is denied per my denial to complete information requested. 
On XX/XX/XXXX, I received 2 emails from Bank of America stating they received an application for a savings account then that I was approved and the savings account was opened. This was while an ongoing Fraud investigation was active on the checking account. I immediately called them and denied the option to start another Fraud ID process and the agent allowed me to close the savings account because there was no money in this account. 
On XX/XX/XXXX I contacted the credit reporting companies and placed a Fraud Alert with them. I contacted this office by phone and was referred to fill out this complaint via the website. 
My main complaint with Bank of America is that no actions were taken upon the opening of the checking account to ensure that it was not fraudulent. They did not request, at the very least, a copy of a state/federal ID and social security card . Nor did they complete even a soft credit check therefore the credit reporting agencies are unaware that this activity occurred. Since my local bank requires copies of ID and Social security card, it is disturbing that a national bank like Bank of America does not provide these minimal securities in a time when identity theft is so prevalent. My other complaint is that they allowed a second account to be opened with my information while an ID flag and an ongoing investigation was active on the checking account. No actions were taken for this second account to ensure that it was not also fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Who and what is this company? It needs to be removed from my credit report! This is only XXXX out of about XXXX that should not be there!
Product: Debt collection

XX/XX/2019 Cavalry portfolio services called asking for my father, do I know this person ect. I said I did he was my father, they hung up on me. My father died last month. I phoned them back XXXX which is the number that called. I asked why they were calling me about my father. I said he past away, they said you need to send us his death certificate now. I don't know who would be doing this, is it a scam? I told them never to call me again and then they asked for my number,,,
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my divorce in XXXX I have been scrupulously diligent in paying my bills on time. Only once in the past five years has a bill been over 30 past due and after calling the creditor ( XXXX XXXX ) it was found that an error had been made and they corrected it the next month. Recently my wife ( who had been paying the XXXX 's bill because she had purchased XXXX XXXX gifts for me ) missed XX/XX/XXXX payment and I promptly paid it. ( approximately 35 days after the due date ). I called XXXX 's at the time and they could offer no help in rescinding the credit report filing. 
I assumed that my current credit scores ( XXXX-Equifax, XXXX, XXXX ) would drop about 20-30 points at most. My current scores according to my XXXX XXXX account are ( XXXX-Equifax, XXXX, XXXX ). An aggregate drop of 86 points across all three major reporting agencies. 
I understand it is my responsibility to pay my bills on time. As is evidenced in the XXXX XXXX credit score report attached there is only ONE late payment in the past two years ( all the further back I could go with their system ) I feel that this significant of a drop in my scores is at best an error on credit bureaus part and at worst a malicious and damaging attack on my financial well being.
Product: Bank account or service

We had recently signed up with First Data to process credit cards. On XXXX/XXXX/16 we ran XXXX transactions totaling {$25000.00}. After a week, the money was still not debited to our bank account. I called customer service who directed me to risk management. After several days of calling and leaving messages, I reached XXXX who said they had closed our account because the phone number she had for us did n't work. She said they could not re-open our account and the money was in a holding account. I asked how we could get the money out of the holding account, and she finally said she would refund the money to the customers. After a week went by and the customers had not received refunds, I started trying to reach XXXX again ( as well as her manager ). On XXXX XXXX she finally called me back and told me the computer would n't let her refund the money, so she was going to try to process it through to us, but she needed copies of the invoices with the customer contact information to do so. I emailed them to her that same day along with a request to acknowledge receipt of them. I have not heard back from her since, despite leaving messages with XXXX and her manager nearly every day since then. They are still holding the money.
Product: Payday loan, title loan, or personal loan

I booked a trip with XXXX XXXX XXXX and was approved through Affirm for a loan. Upon getting the loan from Affirm, the trip was paid in full and I would be making payments to Affirm for the trip. I took the cancel for any reason insurance through XXXX XXXX XXXX and a few days later I had to cancel the trip because of my husband 's health issues and him not being able to travel. I tried calling XXXX XXXX several times and I sent emails also that I wanted to cancel the trip. Instead oXXXX XXXX XXXX giving the money back to Affirm, they kept the money and just gave me a credit. If a person is unable to travel, how can the merchant force you to travel? My husband can't travel at all now so I expected a refund not a credit! The insurance said cancel for any reason. I was not aware that XXXX XXXX XXXX  would not give the money back to Affirm. I have no collections on my credit report and do not want my credit destroyed by Affirm or XXXX XXXX XXXX. Affirm is still expecting me to pay them when this issue can be easily fixed by XXXX XXXX XXXX returning Affirm their money! I have no problem paying Affirm but feel XXXX XXXX XXXX was being deceptive in saying you cold cancel for any reason. I'm submitting by complaint in an effort to get assistance with this matter.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modifed or deleted from the file of the consumer. I Please remove the following items from my credit report, immediately : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.