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

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/ My correct address is:XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 
Thank you, XXXX XXXX XXXX XXXX
Product: Mortgage

I have inquired with Wells Fargo several times on their XXXX disclosure. On XXXX XXXX, XXXX I rec 'd my yearly statement which showed a shortage of {$30.00}. I proceeded to pay this amount and sent in an extra {$45.00} to be applied to my Escrow. 
In XXXX. I inquired with Wells Fargo for an adjustment to my monthly payment amount based on the changing of insurance companies. I was told by a case worker XXXX XXXX who was quite rude that my Escrow " showed a shortage ''. I asked how could this be since I did pay off their statement. She said she " would research the issue ''. XXXX XXXX took almost a month to respond of which she stated in a letter that Wells Fargo handled my account " properly '' in a letter dated XXXX. 
I called XXXX XXXX once again on XXXX who put me on hold for at least XXXX minutes, who then sent me to her " team lead ''. I asked again HOW could my Escrow show a shortage when I rec 'd a disclosure on XXXX showing the amount of {$30.00}. The team lead told me to " ask my bankruptcy attorney '', of which I do not have! I was XXXX in XXXX, the case closed in XXXX. I asked why and how should I ask an attorney which is not under my employ on my Escrow, she had no answer. I furthermore inquired WHEN did they disclose ever that my XXXX showed any shortage other than the XXXX letter. The team lead had NO answer. I further asked how they could violate the terms of my bankruptcy and collect a debt of which I never knew existed. She again had NO answer! They simply desire to discriminate against me based on a previous bankruptcy of which Wells Fargo was not effected in any way! I believe the team lead thought I was still in bankruptcy as well, this is pure negligence, stupidity, and idiocy. 
Furthermore, they have taken not days but MONTHS now to respond accordingly, and when they do respond it is same ignorance of which I have inquire once again why they did not address my questions.
Product: Money transfer, virtual currency, or money service

Transaction date and amount : XX/XX/2022 - {$370.00}. 

Someone was able to change their name to one of my friends on Venmo, copy their profile picture and user tag and request money by going through this users friends list. I do agree, I should have double checked the account but Venmo allowed them to completely copy this person 's account. When I clicked on the payment, it did not notify me that this user was not on my friends list and allowed the transfer without any sort of indicator popping up that this user is unknown. Immediately after the payment, the user changed their name again and their account is still active. 

I reported this to Venmo and they denied my claim, stating this payment is consistent with my payment history. This confused me as I have never sent this person money before. The username of the user that received the payment has a completely different name, which they provided in the dispute outcome. The user 's actual name does not match their account info. 

Venmo 's website shows they are aware of this type of scam yet they have put no security measures in place to stop users from mimicking or copying other users accounts. 

I believe that Venmo has acted in bad faith in the review of my dispute resolution and has displayed negligence as they have created an environment that allows people to constantly change the image of their profile which gives them an easy opportunity to scam other users. It is confusing to me as to why Venmo even allows account users to be able to change their username to something that does not match their accounts or social security number. 

I understand if nothing can be done but since Venmo is such a big company with millions of individuals personal information, I believe they should be held accountable for their lack of security measures which have led to a dangerous environment and should at least share the responsibility of scams that are occurring. 

Right now, you can change your name and username as many times as you want and I believe this creates an unsafe environment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I satisfied my account with XXXX / XXXX on XX/XX/2022 through their attorney 's office XXXX XXXX XXXX I have attempted multiple times to get a letter from XXXX / XXXX directly showing my account XXXX a {$0.00} balance or settled in full. I keep getting the run around and my credit has not been updated. This is now affecting the purchasing of my first home which was set to close on XX/XX/2022 and now has been delayed. This is the only item that is keeping me from closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters disputing the account that I allegedly had with XXXX XXXX XXXX. I sent these letters to Equifax. We sent these letters with evidence showing that XXXX  XXXX XXXX was been reported inaccurately on my credit report. Despite the numerous letters sent to Equifax they have failed to address the situation. We asked them to delete XXXX  XXXX XXXX from my credit report based on the information provided and they have failed to do so. I then exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requesting there method of verification for the XXXX  XXXX XXXX account that was been reported on Equifax account. Today XX/XX/2021 and to this date Equifax has not provided me with its method of verification for the XXXX  XXXX XXXX account that is been reported on my credit report. The law states the credit bureau should ensure that the consumer gets the method of verification within 15 days after they have gotten the request. More than 15 days have passed and I have not gotten the method of verification. This is a clear violation of FCRA. 
For this violation i can sue Equifax for damages and if Equifax fails to delete XXXX  XXXX XXXX from off my credit report then I will seek legal redress to do so. 
I am submitting a copy of the letter that I sent to Equifax and a receipt showing the date that they got the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2023 I got an alert that my credit score dropped XXXX points due to Equifax illegally and incorrectly reporting information to my credit report. My report states that my accounts are included in bankruptcy and they are NOT! My student loans have been current for YEARS!!!!!!! I contacted XXXX who states they reported my account current! and that this is Equifax 's fault. I will be reaching out to my bankruptcy attorney as well to let them know of this illegal activity!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following addresses do not belong to me. When I disputed with the bureaus they would not remove from my profile stating they are attached to account on my report which they should n't be because I have never lived there as well as they are XXXX XXXX addresses XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX XXXX WV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 this is a cease and desist notification, and debt of validation letter. My credit report has been compromised without validation and authorization. Please remove from all credit reporting agencies.
Product: Credit card or prepaid card

Since, the time that I opened this account, I made a selection through the online portal for my account, requesting that my payment allocation should apply as follows : payments applied to the minimum due and anything beyond that applied to purchases made on the regular/revolving purchases. However, it seems that this has not happened, as most recently, a payment of {$360.00} made on XX/XX/2021, had {$260.00} applied against a deferred interest purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient, the company that services my 2 student loans has been reporting on my XXXX report for over a year that I have 4 student loan accounts. I have disputed them with the credit bureau twice and they have verified it as correct. I contacted Navient once and they did nothing. This time they added another account. Now my credit report shows 6 accounts. In addition I provided them a copy of a letter from The Department of Education stating that my student loans have been forgiven as of XXXX. They are still reporting and trying to collect a balance from an account that was forgiven due to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has reported 90 days late to all the credit bureaus. I received a letter ssying XXXX is the service of my student loans. Navient and XXXX are reporting as being owed. These accounts were in a IRB and were paid on time yet there is still a huge balance with accumulated interest attached. This has damaged my credit score and I am unsure who to pay, how much is owed and now I am almost XXXX years old and I still can't qualify for a mortgage dur to years of these student loans being resold and they are paid, negative, clised status. These derrogatory comments, statuses and incorrect balances need to be removed.
Product: Debt collection

AMSHER COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not an accurate debt as it is not mine I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay YOU. I am asking for proof of the original contract between myself and the original creditor with my true signature on it and the signature of a qualified employee of that original creditor. I want proof YOU have the full accounting of the original debt and I am asking YOU to provide proof of the assignment or the purchase you made from the original creditor. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completenesss of the information is hereby requested. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : Defamation Negligent Enablement of Identity Fraud Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened this account through my bank XXXXXXXX XXXX. I wanted to be able to accept credit and debit card payments for my business account. I initially was not aware it was a 3rd party I was being connected to. I was connected to XXXX and set up the mobile apps and everything as they instructed. I sent {$1.00} as a test payment that was supposed to be reversed the following business day which would have been that Monday, XX/XX/XXXX that I have yet to received till this day. I completed my very first job for my company on XX/XX/XXXX which was a Saturday. According to the contract the funds were to be available within 24hours. I called and was told because the transaction occurred on Saturday it created a hold up. I was then sent a email approximately XXXX on XX/XX/XXXX saying I had to provide documentation of my contract and the services my business provided for me to receive my money, that was already removed from the customers account. I was made promises on several different occasions that at least the money would be reimbursed to the customer. Even in the event it finally is sent to the customer, if they decide not to pay me what situation could that leave me in. The practices of this business are completely unethical, they are untrustworthy, & as long as they have money that doesn't belong to them they committed a crime and abused their power to the furthest of their capability.
Product: Credit reporting

There are XXXX credit inquiries that I did not authorize from XXXX ; dated 2014. I would like to dispute this on my credit report.
Product: Checking or savings account

I am a XXXX XXXX XXXX I deposited my refund for my XXXX XXXX XXXX into my Bank of America account. I have an eviction summons I am suppose to pay in the morning with my refund and Bank of America closed my account 1 transaction after I deposited funds into my account.
Product: Vehicle loan or lease

I was in a tight spot and needed a car. The only place I could get approved for the down payment I had was US Auto. I paid every payment on time but that was basically just so they wouldn't shut my car off apparently because my balance barely decreased. After a year and a half to 2 years of paying them consistently and the balance barely moving, I told them they could come pick up the car. Shortly after this conversation, they shut down all of their auto lots and went out of business, selling all the accounts to West Lake Portfolio ( West Lake Financial Services ). West Lake started calling me immediately about payments and I explained to them they were suppose to come pick up the car. They tried telling me I still had to pay for the car even though they were coming to pick it up. I informed them this information was incorrect and refused to pay. They finally came and picked up the car a month later, and the repo company they used informed us there were a lot of customers from US Auto doing the same thing. West Lake then continued to call, even after they had possesion of the car, telling me I had to pay for the car still. I told them that's not how this works. They have possesion of the car, they are suppose to sell the car, and charge me the difference in what is owed and what it sells for. They continue to call until I inform them I will get a lawyer if they continue and the phone calls finally stop. I receive a letter a few months later saying they will be selling the car in XX/XX/2023. I'm not sure if the sale ever happened or not because I have received no information since then but they continue reporting on my credit as if I owe over {$16000.00} to them ( I didn't owe that much when they picked the car up ) and continue to add interest to an account that is no longer an active contract. From my understanding, I am just one of many consumers they are trying to pull this with. They can't get double paid for a car that wasn't even worth the sell amount when it was originally sold.
Product: Student loan

My private student loan of {$40000.00} was issued in XXXX. Till date I have already made payments of {$26000.00}. However, the lender younomics claims that as of XXXX XXXX, XXXX, I still owe the full principal amount of {$40000.00} plus interest for a total of {$67000.00}. Further, I believe that the lender did not disclose the actual interest I would end up paying nor the breakdown of interest and principal. They knew at the time of signing the loan, that it was not reasonably possible to pay off the loan and that I would perpetually be in debt, yet they failed to disclose this fact. Moreover, I have been repeatedly requesting for more than a year, in writing and through phone calls, that the lender send me a copy of the loan contract. Each time the lender 's agents promise to that, but never send the documents, further evidencing that a full disclosure was not made at the time of issuing the loan and that they took took advantage of my vulnerability of prospective graduate student looking to get admitted immediately. Also, I have been repeatedly telling the lender and its billing company, that I want to speak to somebody with authority or the legal department for possibly revising the loan terms, that I was disputing the amount, and that they should not do an adverse reporting of my credit scores unless I spoke to that person. Yet, they went ahead and reported the credit agencies that my loan was delinquent for 3-59 days thereby adversely impacting my credit scores.