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

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Product: Money transfer, virtual currency, or money service

My son transferred {$5000.00} to me on XX/XX/XXXX using Venmo. When I tried to transfer the money into my account they said it would be available in three business days. Every day I logged on to get my money they had pushed the day out further until last week they said it would be available on XX/XX/XXXX. Now they have locked me out of my account and they still have my money. I have tried everything possible to get this money. Their customer service seems to be all AI and is no help at all. I filled out an online form to request help and that has been ignored as well. I don't know what to do but I need my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE AUTO FINANCE To Whom this my concern I the consumer has notice that you have a hard inquiry on my consumer report dated XXXX XXXX, XX/XX/2020 AND XX/XX/2020. PURSUANT TO 15USC1602 ( l ) - THE TERM CREDIT CARD MEANS ANY CARD, PLATE, COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES ON CREDIT. Which means my ssn is indeed credit card. PURSUANT TO 15USC1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Your company ran my credit card ( ssn ) without without my authority I was Obviously denied. But a inquiry on my consumer report means someone benefited from this unauthorized use of my credit card and I didnt receive any benefit from this transaction. 

Pursuant to 28USC3002 ( 15 ) ( A ) ( B ) ( C ) - ( 15 ) United States means a Federal corporation ; an agency, department, commission, board, or other entity of the United States ; or an instrumentality of the United States. 

WHICH MEANS EVERYTHING IS COMMERCE. SO, YOU HAVE COMMITTED FRAUD AND IDENTITY THEFT. 

I DEMAND YOU REMOVE THESE INQUIRIES FROM MY CONSUMER REPORT. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX
Product: Checking or savings account

I followed a link Keybank emailed offering a {$300.00} bonus for opening a checking account. I opened the account and received notification that I would get my debit card in the mail. I never received anything, and my opening deposit was never deducted from my banking source. Now I am receiving statements monthly. I contacted Keybank but they will not give me any information and insist I must come into a branch. I asked to have the account closed and was told I would have to come into a branch to close it. This makes no sense to me since I was able to " open '' the account without coming into a branch. 

I have also been unable to create an online banking account at www.keybank.com stating unknown errors. 

I'm attaching all of my email correspondence with Keybank as well as a letter I sent them in XXXX. At this point, I just want the account closed.
Product: Credit card

On XX/XX/year> I was at Bank of America in XXXX, Ca. On XXXX XXXX. I went through XXXX XXXX thru ATM machine to withdraw cash. I attempted to withdraw {$300.00} using my XXXX XXXX card, at the end of the transaction, the machine did not dispense my cash out. There was an error message on the screen. I took a picture of the machine and went inside to speak to a representative. The representative was very nonchalant about the situation and told me there is nothing more they can do and to call the number on the machine and to file a claim. Im out of {$300.00} due to to your error and I have to wait. I call and try to file a dispute with Bank of America and they tell me there is nothing they can do and to contact XXXX XXXX Im still out of my {$300.00} waiting for cash app to decide what they want to do. Taking there sweet time. Bank of America are thieves.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account/ loan has been opened at XXXX/ Atlantic capital bank with my name on XX/XX/XXXX. late payments were made to this account which resulted in a dramatic drop in my credit score. After checking my credit score and identifying the fraudulent account, I reported the error to XXXX on XX/XX/XXXX informing them of the Identity theft. I also filed an FTC complaint on XX/XX/XXXX. I sent copies of the FTC report, my drivers license and utility bill to XXXX I also filed a police complaint with the XXXX XXXX  police department on XX/XX/XXXX. i was advised to contact XXXX Atlantic capital bank to resolve the issue. The bank was very uncooperative. The agents say that someone who is responsible would call/ email us within a day or two but no one contacts us. This has happened several times over the last month. The bank has continued to report the fraudulent account to credit reporting agencies while refusing to provide me with any information pertaining to this account. They have sent no correspondence to me regarding this error despite several attempts by us to contact them and resolve the issue. they have also not run any credit checks prior to opening the account/ issuing the loan to fraudulent parties. I have not received any correspondence from the bank over the last 9 months since they opened the fraudulent account.
Product: Credit reporting or other personal consumer reports

CEASE AND DESIST OF REPORTING FRAUDULENT TRANSACTION AND ACCOUNTS AND REQUEST OF LATE PAYMENT TRANSACTIONS AND CONSENT CEASE AND DESIST OF REPORTING FRAUDULENT TRANSACTION AND ACCOUNTS AND REQUEST OF LATE PAYMENT TRANSACTIONS AND CONSENT LETTERS AND INTENT TO SUE XXXX XXXX : XXXX : XXXX XXXX 
DEFENDANT : XXXX CO XXXX COMENITYCE/ MYPLACE REWARDS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, OH XXXX TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : XXXX XX/XX/XXXX XXXX. XXXX : XXXX. I'm a natural person and this dispute isn't coming from a XXXX party. 
I recently received a copy of my consumer report, and I noticed there are late payments posted on my consumer report. I'm requesting that these late payments be removed from my consumer report. Per law 15 U.S. Codes 1681a - Definitions : rules of construction I U.S. Code I US Law I Legal Information Institute.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

1. Prohibition ( A ) Reporting Information with actual knowledge of errors.

2. Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Here 's the account I am referring to : Account COMENITY/ MYPLACE REWARDS ACCT # XXXX, and all comments be removed immediately. 
I'm asking that account be shown as PAID AS AGREED. OR DELETE IMMEDIATELY XXXX PLEASE SEND THE WRITTEN AUTHORIZATION LETTER THAT I SENT TO YOUR COMPANY GIVING YOU WRITTEN CONSENT TO FURNISNED THESE XXXX ACCOUNTS ON MY CONSUMER REPORT. ALSO PLEASE SEND PROOF OF THE TRANSACTIONS FROM THE ALLEGED CREDITORS THIS IS FRAUD AND VIOLATION OF GAAP SINCERELY, XXXX : XXXX. Living Woman Beneficiary OF ACCT XXXX XXXX XXXX not the TRUSTEE XXXX XXXX ALL RIGHTS RESERVE WITHOUT PREJUDICE ALL DEBTS ARE PREPAID XXXX XXXX XXXX OF UNITED STATES XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to obtain my credit report since XXXX of 2019 from Experian, Experian refuses to allow me access online, i have repeatedly tried to upload this information and repeatedly lost connection, i have repetedly mailed the info they have requested numerous times and they dont respond, Further there is no published phone number for this company that has a live person or a prompt to get to a live person ... However there appears to be a way to obtain it for {$20.00}! This is not right..being billed and made to jump through hoops for something that by law i should be able to easily obtain..
Product: Money transfer, virtual currency, or money service

XX/XX/2022 {$630.00} was sent to me. 
XX/XX/2022 I tried to withdraw my funds that was sent to me and was unable to. 
XX/XX/2022 I sent a email to Venmo stating I was unable to withdraw my funds. 
XX/XX/2022 Venmo replied asking me to send a picture of my id. 
XX/XX/2022 I sent Venmo the picture of my ID they requested. 
XX/XX/2022 I sent another email asking why am I not able to withdraw my funds. 
XX/XX/2022 Venmo replied with an email asking for a selfie holding my ID. 
XX/XX/2022 I provided Venmo with a selfie holding my id. 
XX/XX/2022 I sent a email asking why am I not able to withdraw my funds from my Venmo account. 
XX/XX/2022 Venmo asked me to send proof of my bank account. 
XX/XX/2022 I sent my bank statement. 
XX/XX/2022 I sent Venmo an email asking why I am unable to withdraw my funds. 
Venmo never replied. 
XX/XX/2022 I sent Venmo an email asking why I am unable to withdraw my funds. 
No reply As of today XX/XX/2022 I still can not withdraw my funds of {$630.00} from my Venmo Account.
Product: Vehicle loan or lease

My boyfriend gave me power of attorney to speak to this company so I could pay off the truck, I've been trying for 6 months to get someone to speak to me even sent them a copy of paperwork twice and they are saying it's not good enough. I had the money to pay it totally off twice but had to spend it on trying to fix me something to drive till I figure it out. Now it's gone, they got it. My POA says unlimited. At first they even made arrangements and said after court we'd figure it out then they just refused to talk to me, I'm on his paperwork as someone to speak with as well. Why would I make payments if I had the cash to pay it all. I've been harassed so much from this company and it's caused me a lot of stress, calling all hours, beeping in my other line as I'm speaking to them only to say they won't speak to me. Now they want me to call them? I have no concerns.I expect the truck back or at least my tire/wheels and other accessories After the stress they put me through. They took full advantage of this situation in my eyes.Ive already spoke my concerns now they need to address the problem. The XXXX is involved now as well
Product: Debt collection

My complaint is about the bridge crest auto financing company.in XXXX my husband and I had a vehicle rom them our second one may I add because we yad perfect credir wirh them. But we were in a total loss accident the other ladies insurance was Deemed responsible to pay the total loss I had spoken to her insurance company several different times and they stated that they would be paying for the loss of the vehicle the last time anybody was spoken to through bridgecrest was in XXXX they spoke to my husband and apparently told him that we would still owe the payment but then I spoke to them a couple days later and explained what was going on and had an insurance company talk to them or whatever letting them know that the payment was going to be paid directly to them the lady I spoke to then said that she was gon na go ahead and have the payment deferred and wait until they received the payment from the other party 's insurance for the total loss of the vehicle. I had not heard anything from the company in over 4 years and then all of a sudden I'm in the process of buying a house to find out that there was a charge off from this company On my credit report so I called the experience they explain that I needed to call bridgecrest so I called bridgecrest and the lady was extremely rude telling us that they could not contact me because they didn't have a phone number my phone number has been the same since I was XXXX XXXX XXXX I am XXXX XXXX XXXX and there is nothing that has changed except for my address and I told them that so nobody had ever tried to contact me they just automatically charged this account off which is now screwing up my chance to get my house that I'm supposed to be buying in less than 2 months They refuse to want to work with me I finally told them that if I have to off I'll bankruptcy or file a complaint since I thoug that they were supposed to notify me if they didn't get paid or notify me if the defirmate was done and give me a Chance to pay the debt but they didn't they just automatically charged off without notifying anybody and at this point I hope I told the lady it's it's like a covid disaster there's no way I can pay it I've been out of work it's covid and I'm in the process of trying to buy a house through the FHA program in Vermont But I always thought a charge off was supposed to be they contacted somebody several several several times before just charging something off we were not contacted once past that initial communication that we had in XXXX where they told myself and my wife that they were going to defer the payments to the hardship and the fact that the other ladies insurance company was going to be paying for the total loss this company is truly a scam.. the amount of the charge off is XXXX
Product: Credit reporting or other personal consumer reports

in the transunion the account from XXXX  for {$1700.00} is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian not able to provide Credit Score report despite information flow from my bank to Experian since XXXX. 
Contacted Experian multiple times XXXX and told my bank XXXX XXXX XXXX XXXXXXXX XXXX is not sending Experian my XXXX information. 
XXXX XXXX  XXXX conducted investigation ( see attached letter ) and concluded ( XX/XX/XXXX ) the Experian system does not recognize my first name and hence do not generate my credit report. 
Dispute letter sent to Experian XX/XX/XXXX ( see attached ). 
Received a postcard from Experian acknowledging dispute letter receipt XX/XX/XXXX ( do not have the exact date ). 
Have not heard from Experian since. 
Called Experian XX/XX/XXXX and told that I do not exist in their system and hence can not file a dispute. 
Being deprived of my Experian credit report results in disadvantage in negotiating mortgage with banks and receiving services from companies that rely on Experian for credit score investigations.
Product: Credit reporting or other personal consumer reports

My identity was stolen, I have multiple credit inquiries on my credit profile that were not me. My credit has dropped and they have enrolled into universities in my name, getting loans from banks, XXXX  XXXX XXXX even gave them a loan. It has been a mess. I want the unauthorized inquiries taken off of my report.
Product: Debt collection

my information was compromised and leaked in a data breach. please remove all accounts from all bureaus please and thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ACCOUNTS THATS IN MY NAME THAT I DID NOT OPEN WASNT AWARE OF IT MY PERSONAL INFORMATION WAS USE IM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The law firm a corporation had an account with XXXX. There were billing and service issues. As such a final statement was disputed. XXXX then hired a collection agency XXXX XXXX to collect against my personal self and not the company. I disputed the debt and demanded no further contact. XXXX then hired Sequium Asset Solutions , LLC to collect against my personal self. Again I forward a dispute with a no contact demand and a copy of the prior letter.
Product: Credit card or prepaid card

In XXXX XXXX I visited an XXXX XXXX Store, and was asked if I would like to get a store credit card. At the time I had no credit, and I asked if this would impact my chances, the clerk replied that that would not be taken in to consideration, and I would most likely get the card. I later learned this was not the case, and the false information created a preventable inquiry on my account.
Product: Debt collection

Yesterday, XX/XX/XXXX I recieved a Warrent in Debt from XXXX XXXX Court House, In XXXX XXXX Virginia. 

It States I owe a debt with XXXX which I do. And Shows that XXXX sold my account to Cavalry in XX/XX/XXXX. 

I recieved no letter from Cavalry warning me of any suit or to resolve any debt issue. I was not provided the opportunity to excersise my rights to validate the debt prior to Warant of Debt Notice. Also the amount they state is $ XXXX. When I stoped payments in XX/XX/XXXX to proceed with setting up Financial Counseling with XXXX Solution who is My Debt Councilors the debt owed to XXXX was {$1400.00}. Somewhere there is an extra XXXX that I dont know where it came from. 

in XX/XX/XXXX I had attempted to place XXXX in the Debt Program with XXXX XXXX along with my other debts brought on by a series of events last year but XXXX denied the proposal for reasons unknown. Since then I waited to see if this would go to collections and no notices where recieved. Until yesterday I recieved a package of a warent in debt with a credit card statement. There are no letters showing anything from the Cavalry company. 

I ask that This can be resolved without court action. I have submitted a letter to them by researching their phone number online and finding a fax. I sent a leter via fax to XXXX today XXXX XXXX, XXXX know I had a debt of {$1400.00}. The most I can pay is {$30.00} a month for the current time. I 'm the sole provider for my family and my husband is XXXX. My children are only XXXX and XXXX. 

Any Help in understanding this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing items on my credit report since XX/XX/2021 with XXXX, Equifax, and XXXX. To date I've never received any documentation from XXXX, Equifax, or XXXX with verification and reinvestigation of the items in question as requested. Instead, XXXX Equifax, and XXXX continue to report obvious inaccuracies on my credit report and because of this it has caused harm to my credit worthiness. I'm also attaching the dispute letters sent to XXXX, Equifax, and XXXX.
Product: Debt collection

I have been a victim of identity theft since 2015. I have sent in multiple police reports. I have sent in my FTC paperwork. I have sent in legal documents and American profit Recovery is still trying to collect a debt that is a case of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

" XX/XX/XXXX XXXX Balance : {$620.00}, XX/XX/XXXX XXXX Balance : {$0.00}, XX/XX/XXXXXXXX Balance : {$0.00}, XX/XX/XXXX XXXX Balance : {$0.00}, XXXX CREDIT XXXX Balance : {$110.00},XX/XX/XXXX XX/XX/XXXX ( Original Creditor :XX/XX/XXXX HOSPITAL ) XXXX Balance : {$570.00} " According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I disputed the collection being reported by SW Credit Systems because I have no contract with the company. They responded to the credit bureaus that I did have a contract because XXXX contracted them, however, I had no contract with XXXX either. I have no contractual agreement with EITHER company that would permit SW Credit Systems to report an account as a collection on my credit report.
Product: Student loan

Three calls were made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and corrections still have not been made. 
On my first call I was asked to write a statement of request stating which of the 2 bank accounts I have listed in my account will be designated to pay which of the three loans. The website is poorly designed to accomplish this task. I need to create the word document, sign it, take a picture of it, send it to my email, save the jpeg in a file and then upload it on the website. The upload still hasnt shown up on the aidVantage site as a document I sent them. 
XX/XX/XXXX I receive an Auto Pay authorization document that they werent going to process my original request they directed me to send. 
I was also sent an XXXX which is a statement on aidVantages first intentions to bill me. It states 2 different payment amounts to be auto payed on the XXXX of XXXX. I called 3 times for a revised ecorrespondence and still corrections havent been made. 
The ecorrespondence and the website claim to pay all three loans from one of the two banking accounts without my authorization. 
The website claims that all three loans will begin payment on XX/XX/XXXX but the ecorrespondance and the representative can see that one loan to be paid on XX/XX/XXXX and the other two on XX/XX/XXXX. T There is no continuity in the financial information between the aidVantage website, ecorrespondance, phone representative and auto pay authorization form. 
The auto pay authorization form does not ask which loans will be auto paid from the banking account information they requested. 
***The auto pay authorization form is asking for banking accounts that are already on the aidVantage website and have been used in the past but now they are requesting a hard copy uploaded with the identical information. ***