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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX, CAPITAL ONE AUTO FINANCE and XXXX  XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your correspondence on this alleged accounts stating you verified and updated these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.
Product: Vehicle loan or lease

I leased a XXXX XXXX in XX/XX/XXXX. I started to have some financial difficulties towards the end of the lease in XX/XX/XXXX. I was behind 3 months to the best of my knowledge and the vehicle was repossessed XX/XX/XXXX. I waited for a final bill and was shocked when I was charged and additional over 5K plus the outstanding balance which as only 3 months. My payment was XXXX per month. I then called XXXX XXXX XXXX ( Chase ) and asked why I'm being charge so much. I was told when they went to sell the vehicle, it sold for less than what was expected, so that difference goes to me. Again, I have never heard of this type of process when dealing with a lease. I know I was over the mileage and I expected to pay that as well. However, I was told by the dealership ( XXXX XXXX ) all I had to do was fulfill my lease agreement and if for some reason I went over the mileage I may be responsible for the overage. Depending on if I went into another lease or purchase. Mileage was a concern when I purchased the vehicle. The dealership assured me that it could be worked out. I feel like I was lied and taken advantage of. This was my first lease as well.
Product: Credit reporting 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 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 ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/XXXX XXXX reported to Equifax that I was delinquent for those two months on an account that was paid off in XX/XX/XXXX. If Equifax had done their due diligence they could have verified that what they reported was not accurate. They added a note on my account which affected my credit score and has cause me to have a higher interest rate when applying for home loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit, I noticed 8 items which appear on my credit report that does not relate to any transaction ( s ) that I have made. I have reason to believe that these items are a result of identity theft. 

Below are the of accounts appearing on my credit report that does not belong to me. 

XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX Department XXXX XXXX Department XXXX XXXX Dep ED/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX I have not made use of my credit in years. The only account that should be reporting to my credit bureau is my car note. I did not open up these accounts and I would like them removed from my credit report.
Product: Money transfer, virtual currency, or money service

First off the first complaint I made towards Venmo, you completely lied a few times during that whole response. One being that I changed my username and that will flag security yet you cant even change your username!!! Not that I ever seen anyway. I changed my EMAIL, which is common and happens a lot for many different reasons. Then you tired to say I transferred XXXX and that I then cancelled it, and that would also alert system, which is completely FALSE!!! You guys froze my account on XX/XX/XXXX and I made that transfer XX/XX/XXXX, which it was to be completed on XX/XX/XXXX but since you guys froze my account, it automatically wouldnt transfer and after almost a week it then went back on balance in venmo. I NEVER cancelled anything, it never went through due to you guys freezing, which you clearly would be able to see, so to lie with that response is just ridiculous. Now to the whole reason why I am having to come and make another complaint. Not only did you guys reply saying my money would be released on September 10th, 180 days after you froze and you guys saying is in the TOS to hold funds for 180 days or sooner. Now here we are on XX/XX/XXXX and I STILL HAVE NOT HAD MY MONEY RELEASED TO ME!!!! Every time I email, you guys give me the automated response of unfortunately we are no longer able to offer you the Venmo service and how my account is permanently deactivated, and how you guys dont come to this decision lightly, when every single time I have contacted I have stated I DONT want the account activated and I will never use any Venmo or PayPal service ever again, all I want is MY money released. But clearly you guys never even read the long messages so many of us write, just for you guys to still never help, and ignore every single thing someone needs help with. I have been told 9 times that my money wouldnt be held any longer than XX/XX/XXXX making it 180 days, yet I have contacted support through the app, emailed, and called EVERY single day, just to constantly be told that it needs to be reviewed by another department and how they will contact me through email, just for them to send me the bs response of they cant reactivate my account, and if I have any questions just to email but puts in the email that they will no longer be answering questions about the situation, WHEN THEY NEVER HAVE ANSWERED ANY single question, and hasnt helped what so ever to get my funds released and the account finally closed. ALL I WANT IS MY MONEY!!!! You guys have already screwed me over so much that my kids and I lost our house due to you freezing almost XXXX of my money and not letting me transfer it out. I have fell behind on bills because of it, and I kept telling them that I would get it all paid on XX/XX/XXXX when I got my money back, and here you guys are screwing me over again with not giving me back my XXXX!!!!! I now have had to hire a lawyer, taking more money away from my children because of having to do so just because you all keep lying and are holding my money for NO REASON!!!!!
Product: Checking or savings account

My account had a benefit of allowing up to {$200.00} overdrawn with no penalty. It was very helpful and I did use the benefit right before payday. I logged in yesterday morning everything was fine my direct deposit of over {$2900.00} was deposited that afternoon. They closed my account so I cant pay my rent I cant pay my bills. Ive done nothing fraudulent I even requested them to take away the overdraft protection if that caused the issue but to reinstate my account since this is a mistake. Im totally screwed.
Product: Debt collection

ON XX/XX/XXXX I DISPUTED AND ACCOUNT WITH XXXX AN ACCOUNT FROM RENT RECOVERY SOLUTIONS Account name RENT RECOVERY SOLUTIONS XXXX, GA XXXX XXXX Address identification number XXXX Account number XXXX Recent balance {$1300.00} as of XX/XX/XXXX Status Collection account. 
{$1300.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX RENT RECOVERY SOLUTIONS WAS NOT ABLE TO VERIFY THIS ACCOUNT AND DELETED IT FROM XXXX AND LAST WEEK ON WEDNESDAY XX/XX/XXXX IT CAME TO MY ATTENTION THAT RENT RECOVERY SOLUTIONS ONLY DELTED THE ACCOUNT FROM XXXX BUT CONTINUED TO REPORT THIS ACCOUNT TO XXXX AND XXXX I CONTACTED RENT RECOVERY SOLUTIONS ON WEDNESDAY XX/XX/XXXX AND INQUIRED ABOUT ACCOUNT NUMBER XXXX THEY COULD NOT FIND SUCH ACCOUNT I SENT A REQUEST FOR DELETION TO XXXX ON THAT SAME DAY ( please attached document ) AND ON SUNDAY I WAS ABLE TO AXCESS THE DISPUTE PAGE FOR XXXX AND ALSO SENT A REQUEST FOR DELETION OF ACCOUNT XXXX XXXX RESPONDED IN LESS THAN 24 HOURS WITH A RESOLUTION AND DELETED THE ACCOUNT FROM MY CREDIT FILE THAT STILL LEAVES XXXX RENT RECOVERY SOLUTIONS IS NOT ONLY REPORTING AN UNVERIFIED ACCOUNT BUT ALSO AN ACCOUNT THAT IS WAY PAST THE STATUE OF LIMITAIONS ACCORDING TO THEIR OWN RECORDS RENT RECOVERY SOLUTIONS SHOULD BE REMINDED THAT REPORTING UNVERIFIED INFORMATION AND OR ACOUNTS PAST THE STATUE OF LIMITATIONS IS A CLEAR VIOLATION OF THE FCRA 15 USC 1681 et seq AND THAT SUCH VIOLATIONS MAY CARRY PENALTIES THIS UNVERIFIED AND PAST THE STATUE OF LIMITATIONS ACCOUNT IS NOT ONLY HURTIN MY CREDIT SCORE BUT IS ALSO DELAYING MY CLOSING ON A MORTGAGE LET BE KNOW THAT THE DAMAGES OF THEIR NEGLIGENCE BY CONTINUING TO REPORT THIS UNVERIFIED ACCOUNT COULD BE SUBSTANTIAL AND LEGAL ACTION MAY TAKE PLACE I AM INCLUDING DOCUMENTATION THAT SUPPORTS MY CLAIM THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER
Product: Mortgage

Rocket Mortgage agent told me that if I choose Rocket Mortgage, theyd offer an interest rate reduction when the Federal Interest rate decrease. What they failed to inform me of was that I could not do it until after 6 months of having the loan requiring me to refinance. This is misinformation and malicious in nature to the consumer. I was mislead to use rocket mortgage. This in light of recently filed lawsuit against rocket mortgage by the Consumer Financial Protection Bureau ( CFPB ) in which Rocket Mortgage used illegal kickback schemes to steer consumers to rocket mortgage.
Product: Money transfer, virtual currency, or money service

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These careless action have caused significant losses
Product: Debt collection

I had a bill from an ambulance service I was trying to covered by my health insurance company, I did receive a couple bills, but never knew it went into collections until I found a collections mark already hit on my credit. I never got any notice from the collections agency and had no way to dispute or validate the debt. When trying to call they just asked for payment, and did not seem to care about not receiving any written notice. I am also not sure who has the debt, my credit report says TCI, but when I tried calling the number they give me a different name of XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX SSN : XXXX XXXX : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : Experian To Whom It May Concern, I am writing to formally request validation of the following account that appears on my credit report, as I believe this information may be inaccurate. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ). 

Account Details : Creditor Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Balance Reported : {$630.00} Date Opened : XX/XX/year> Status : Collection account This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made under the FDCPA. Please provide the following : 1. Identify the original creditor and explain what the money owed is for.

2. Provide evidence of how you calculated the amount owed ( {$630.00} ).

3. Supply copies of any documents showing that I agreed to pay this amount.

4. Provide verification or a copy of any judgment, if applicable.

5. Prove the Statute of Limitations on this account has not expired.

6. Show that the creditor is licensed to collect in my state ( XXXX ).

7. Provide the license numbers and registered agent information for the creditor. 

If you can not validate this account, I request that it be removed from my credit report immediately. Please forward this letter to the creditor as necessary. 

I also request that you send me written confirmation of your findings and actions regarding this account. I have attached a copy of my ID and proof of address to verify my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased XXXX XXXX XXXX money orders on XX/XX/year> for {$470.00} each. I made them out to the wrong company and went on line to request a refund. I never received the refund and called XXXX XXXX on XX/XX/XXXX to inquire. They showed that the money orders were refunded on XX/XX/XXXX but I did not receive the refund. They verified that the refund was not cashed and after verifying my address they said they were being resent. Again on XX/XX/XXXX I called after not getting me refund. Again they verified my information and said they would send out a refund. When I asked why it was not processed last time I received no answer. I again called on XX/XX/XXXX and asked for a supervisor. I was sent to a gentleman by the name of XXXX. He looked into the refund and it had not been processed. He put me on hold and when he came back on line he said he had talked to the processing department and they were sending my refund. No reason for not processing it again was available but he did say they I should not have had to wait 8 months for my refund and he had expedited it. I called AGAIN on XX/XX/XXXX and asked for XXXX but was given to XXXX. Had to go over everything for the 5th time and she could not find out what was happening and sent my information to the Corporate Department. I have not heard from anyone again. When I call you can check to see when a refund has been issued. The only one was the original in XXXX which I never received even though everyone has said they would get the refund resent right away. I just want me refund sent and feel I have waited long enough!
Product: Checking or savings account

I bank with chase bank checking account. I saw a fraudulent charge on XX/XX/year> via text message ( my bank sends me a text message for every transaction that is made using my debit card ). I immediately called chase bank to report the fraudulent charge of {$3100.00} from XXXX. I never shop at XXXX.
Product: Credit reporting or other personal consumer reports

I would like Mis information accounts removed and addresses that does not belong to me off of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously reported this company and requested an investigation for this company that was previously removed but continues to reappear. I've also submitted a letter and spoke with them advising i have only one name XXXX XXXX XXXX and one address XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX where i can receive mail via all 3 bureaus. They continue to keep adding these addressed back to my credit profile. Creditor is NCA which i believe is National Credit Adjusters. I've also requested that a hard copy of the application with my signature be provided and none of that was provided before they placed this back on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I kept this credit card account with XXXX XXXX  XXXX XXXX XXXX for about two years, always paying timely, and according to all the terms and conditions of the agreement. On or about XX/XX/2020, I sent a payment, covering the full balance, of about {$300.00} .- Yesterday, I received information that a late payment of {$1.00} ( XXXX XXXX XXXX ) was filed with Experian credit reporting agency . 
Today I paid by phone. 
I request that the lender is compelled to remove the inaccurate posting. 
Thank you
Product: Credit reporting or other personal consumer reports

I have informed both credit bureaus and Barclays about reporting inaccurate information. The information provided by Barclays is not what shows on my credit report, therefore violating my rights. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.
Product: Debt collection

I am formally disputing the account that has been reported to my credit report for the amount of {$1900.00}, which was reported in the week of XX/XX/year>. I have no knowledge of this debt and have reached out on three separate occasions to seek clarification regarding this account. Unfortunately, I spoke with two agents who were unable or unwilling to provide the requested validation of the debt or the necessary documentation, including the certificate of the debt owed. 

During these calls, I informed the agents that under the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide proper validation before reporting any debt to the credit bureaus. Despite my requests, they refused to verify my address, declined to send me the required documentation, and further insisted that payment would be reported to the credit bureaus without providing any supporting information. 

As I previously communicated, it is my legal right to request this validation, and you are obligated to provide this information before pursuing further collection activities, including reporting to the credit bureaus. If you are unable or unwilling to provide this documentation, I expect this account to be removed from my credit report immediately.
Product: Payday loan, title loan, or personal loan

ON  XXXX    XXXX   I TOOK A SMALL LOAN OF  XXXX  FROM THIS COMPANY WITH A INTREST FEE OF 625 % WHICH I DID N'T NO OF AND THEY WAS CHARGING A FEE OF  XXXX  EVERY PAYDAY AND NOTHING GOING TOWARDS THE LOAN. AND I WAS FORCE TO CLOSE MY ACCOUNT BECAUSE THEY WAS USING DIFFERENT LOAN ID 'S TO DEBIT MY ACCOUNT AND NOW THEY SENDING ME THREATENED EMAILS SAYING THAT THEY GONE SEND MY INFORMATION TO A THIRD PARTY WHICH LOAN ID IS #  XXXX . AND THAT 'S ANOTHER ID THEY USING .ITS FRAUD AND THEY ARE UNLICENSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new information regarding CFPB complaint # - XXXX, XXXX, and XXXX. This company is still using a stall tactic to prolong this situation. This company keeps sending me things in XXXX knowingly I only speak/read the English language for the 2nd time. All of the complaint has been in English, and they have been responsive with this complaint is plain English. This company is still violating my consumer rights under 15 USC 1681. Pursuant 15 USC 1681i ( a ) ( 1 ) ( a ), ( b ) and ( c ) consumer reporting agencies only have 30 days and that is all the time I am allowing. If this situation is not complete and results are not mailed to me by XX/XX/2022 I demand these things be removed from my consumer report.
Product: Debt collection

Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication.

I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) XXXX out the balance on this account Delete account from all consumer reports Your company can purchase this alleged debt. However, you can not purchase my information. You are infringing on my right to privacy which is a federal violation. I have the resources to take this as far as needed. I will not hesitate to sue if this is not resolved.

Best, Without prejudice, all natural inalienable rights reserved.
Product: Debt collection

On XX/XX/XXXX, I received a collection notice from Wakefield & Associates with charges from XXXX XXXX XXXX for a debt of {$490.00}. I took steps as described in the collection notice and sent a dispute of these charges by registered mail well before the limit date of XX/XX/XXXX, and they received the registered mail on XX/XX/XXXX. I did not receive any paperwork or documents with proof of this debt being mine even though they were supposed to send the information that shows I have the debt. On XX/XX/XXXX, I got an alert from XXXX that Wakefield & Associates reported this debt to the credit Bureaus even though they received confirmation from me that I wanted to dispute these charges. 

After receiving the registered mail with the dispute notice they should have sent me proof that this was my debt but instead took the unlawful measure to report me to the Credit Bureaus before any proof or further information even after I sent a registered letter of dispute exactly as outlined. I did not see that they reported me to the Credit Bureaus until it was posted to my credit report which negatively impacted my credit score by XXXX points. Please see attached the debt collection letter, a copy of the letter of dispute I sent, the receipt from the registered mail, and the tracking form from the XXXX tracking which shows that they received the letter of dispute on XX/XX/XXXX. 

I'm a XXXX XXXX XXXX  just barely trying to start my credit. I have had an amazing credit score and have been taking care of my XXXXredit score for my future and for current expenses such as school and my first car. This collector company reported me without sending any further information even after I disputed this collection.
Product: Checking or savings account

I am the owner a small business named XXXX XXXX XXXX XXXX XXXX Over the past year I have been charged $ XXXXmonth from PNC Bank for a merchant account. When I called PNC merchant services, they can not find my business or myself in their computer system. I was told by PNC Bank merchant services that I should file an affadait with my bank ( XXXX XXXX  ) to have the money returned. I approach XXXX XXXX  and was told by the Branch manager that I needed to have something in writing from PNC bank to stop future XXXX funds removal. I told them I spoke with PNC Bank and they can not find me in their computer system and their is nothing they can do. I have called, written, and even went to local PNC Bank branch to stop this from happening to my checking account. Is there something you can do to stop this from happening and return my money? I have been messing with this for over a year now.