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

I was alerted by Experian of an account being used. When I looked, I saw a checking line of credit, used for overdraft protection, from XXXX XXXX XXXX XXXX, was being used and had a balance that lowered my credit score. This account has my name, my ex husbands name, and his current wifes name on it. I disputed the account on Experian, and I called XXXX XXXX several times, and each time they told me they could not find this account with my name on it. The dispute was investigated but upheld by XXXX XXXX, so the account stayed on my credit report. I disputed a second time, but it was upheld again. I called XXXX XXXX again and was assured this account does not exist, yet it remains open on my credit report, and affects my XXXX XXXX every time the owners of the account use it. I am extremely frustrated by this process and lack of care.
Product: Payday loan

This is my XXXX request to CFPB to file a complaint. I have provided written cease and desist notice by mail XXXX/XXXX/2015 XXXX ). The phone calls continue. I sent another letter on XXXX/XXXX/2015 and today I faxed the letter to please stop the harassing phone calls. The phone calls have escalated to XXXX a day. I work from XXXX M-F and drive patients to their appointments for a living. Sun Loans calls my personal cell phone everyday.
Product: Debt collection

The debt was paid in full. I have receipts and email confirmations.
Product: Credit reporting or other personal consumer reports

I XXXX am Opting out of Any Permission of per thee XXXX as A Federally Protected Consumer. I am now Opting out Of Any And All Authorization. I the Consumer may have given you Written or Unwritten. Verbal or Unverbal 15 USC 16802. This is Effective Immediately And Indefinitely.. Equifax, XXXX, XXXX, has been Violating 15 USC 1681 . Also they have been Violating 15 USC 1681 .Also they have been Violating the Privacy Act Of 1974 .Also they have been Violating 16 CFR 313. Also Violating 16CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, FTC 1522. I have been going through this since XXXX.
Product: Credit reporting or other personal consumer reports

I have received a copy of my consumer report from XXXX XXXX XXXX and I have received copies of my XXXX, transunion, XXXX XXXX reports and they have not done as I have said as a federally protected consumer and I need you to go after these cra 's and get them to provide the written consent that i authorized these reportings. I have a right to privacy and I have a right to safety, and I have been violated and each unauthorized reportings are in violation of the FCRA. 
There's several inaccurate marks that are damaging my name, I am being damaged daily and these violations because each violation is XXXX per remark. This is causing me sever trauma and a lifetime of damage for pain and suffering. It is illegal to report transactions that are not approved and with my written consent. I appreciate you for stepping in and making sure these agencies are following the law and they MUST compensate me for this abuse and violations of my private information. Pain/ suffering is also a fee that they will need to compensate me for. 

I have attached the report that shows all the inquiries that must have a written consent for every single reporting. 15 usc 1681 FCRA : 1974 privacy act.
Product: Debt collection

XX/XX/XXXX I was given a XXXX  day notice to renew my lease or have my lease terminated and vacate premisis. 
XX/XX/XXXX i went into office and gave a written notice that I will not be renewing. 
XX/XX/XXXX was my official move out date. I requested a walk through of the property and was refused by the property manager who stated it was too late and a walk through would be conducted with out me. In my defense to this response I took videos and pictures before turning in my keys. 
XX/XX/XXXX After speaking with the Property manager at XXXX XXXX. I informed them that my security deposit was not returned and it had been XXXX days and no itemized list was sent explaining why. 
The list included charges that was false including damages, trash, and no notice to vacate.
Product: Debt collection

I receive a letter from XXXX XXXX XXXXXXXX ( XXXX VA XXXX XXXX about a debt that I owed from XXXX XXXX XXXX of {$2700.00}. I called today XX/XX/XXXX and spoke with a collection repr. and asked if we could lower the bal as I have  an elderly parent who only receives social security and I support her. .She put me on hold and said they could reduce the balance to {$1900.00}. I said great. She asked what I could pay this month and I said {$150.00}. She asked for my routing no of my checking account. I told her I don't give out that info - I could mail in the payment or pay on their website She said that was not possible. She then asked again how much could i pay - could I pay another {$50.00} on the XXXX. I said yes. Then she said how much could I pay each month and I said {$75.00}. She came back with {$76.00}. I agreed to pay this by the XXXX of each month. Then she in her fast talking way says the balance will be the {$2700.00}. because I would not supply my checking account routing number and pay the {$200.00} today. I argued and then she puts another supversior on the phone and then another woman comes on and I went thru 4 women. I asked each one to put the {$1900.00} in writing and mail it to me - they refused.. They are all fast talkers - each tries to rewrite the payment arrangement and balance and harass me into giving my account no ... Its all on tape. I wound up hanging up. I was willing to mail the {$200.00} today and pay the {$76.00} by the XXXX of each month. THEY WANT MY CHECKING ACCOUNT NO AND DEDUCT THE PAYMENT. I WANT A BILL AND TO MAIL IT IN EACH MONTH..
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been making payments for over a year using the same bank account. I logged in one day to find my bank account had been taken off right before a payment was due and I could not make the payment. I was in the hospital with XXXX XXXX issues with this to add to my XXXX I could not readd the bank account to pay. Emails went unanswered. is 2022 and my emails still haven't Here it is now 2022 and my emails still hasn't been answered. I now have a late payment on my account and credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX an employee of the Bank of America XXXX XXXX XXXX sent an international wire to XXXX XXXX without first negotiating the correct bank and its destination. The Funds Transfer Request Authorization transaction form records that funds of XXXX dollars were sent mistakenly to XXXX , an " additional '' or intermediary bank. THE final destination, a building society XXXX, however, was not written into the transaction at all. XXXX only uses XXXX as a clearinghouse for large automated tasks. The employee ignored the absolute necessity of listing two banks. Rather, he omitted XXXX, and gave the name and account number directly allocated to XXXX and its enormous headquarters in XXXX. This account number and name would only have legitimacy or meaning at XXXX XXXX XXXX, and not at XXXX XXXX main headquarters. On XX/XX/XXXX, after our trip, we studied the form and agreed to cancel the transaction using the Bank of America collect call overseas number on our FTRA form. We called again on XX/XX/XXXX and XX/XX/XXXX, but the transaction had not been cancelled because of their completely new requirement for XXXX to respond to their faulty wire transaction. We needed to explain repeatedly that we do not have an account at XXXX, and insisted that the error be corrected and our funds returned. On XX/XX/XXXX we have yet to ascertain the situation, although our funds have been " floating '' or " on hold '' now for 19 days because of the seriousness of the bank error. To prove our affiliation we have a checking account, checks, debit card and credit card with the correct XXXX account number ; XXXX is simply not able to recognise this transaction.
Product: Credit reporting

I have been filing disputes for YEARS with all XXXX of the credit bureaus and they continue to not listen to me, and not supply me with the information I have been requesting. I am now almost XXXX and I have spent years attempting to repair this damage but I 'm a XXXX mother working XXXX full time jobs to pay for the roof over my head!! I ca n't afford to pay for someone elses bills also!! There are all different accounts listed on all of my credit reports with names spelled similar to mine, yet NOT MINE! They do n't belong to me and they are n't mine! Some of them are addresses that I have never lived at! I put a fraud alert on my credit report to prevent anyone from opening any more accounts, but going through the socials and the XXXX and the names -- -- they do not even match mine!!! Ive been begging the credit bureaus to remove them as I ca n't even apply for a mortgage because of all of this garbage on my report. Please help me. I 'm doing the best I can but I am only one person. I 'm not one of those free riders that live off of the government. I do everything on my own without even a drop in child support. I need to have this corrected and quickly! There are also about XXXX hits on my credit for credit that I never even applied for! There is also XXXX XXXX accounts that are clearly not mine as I have XXXX NOW!!! How could I possibly owe them money on XXXX different accounts! The information does not even match my info! Please, please, remove all of this junk from my credit report. Please!
Product: Debt collection

Phoenix Financial opened a collections account for XXXX on XX/XX/2018 Firstly the date is in wrong and doesn't correspond to any time I went to the hospital. Second all of my hospital bills were paid by me directly at the time service was rendered and all other charges are between the hospital and the insurance company. You shouldn't be able to decide months MONTHS! later that someone owes you another XXXX and then send that amount to a shady collection agency that then waits months and puts buts a bogus collection on my credit report for a XXXX  charge.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, an unauthorized payment of {$2500.00} was transacted from my Venmo account. Someone hacked my account and sent this money ( presumably ) to themselves. My password had been changed ( likely when the hacker was already in my account ), and I had to reset it via email. 

I reached out to Venmo same day to alert them. They suspended the account so no other transactions could go out, and filed this as a dispute and sent it to the Account Specialists to investigate. I took action separately and reached out to my bank to close my account, so that the funds would not go through. 

On XX/XX/XXXX, I received an email stating that they covered the {$2500.00} payment on behalf of me as my bank account was frozen/closed. They stated that I would need to pay off this balance. They came back to me on the same day and told me my dispute was denied as the 'transaction is consistent with my payment history '. The email stated that I could reach out to an alias to request the documentation used to investigate my claim. I reached out on the same day ( XX/XX/XXXX ) and still have not heard back. I also tried to defend my case and point out the suspicious behavior trying to make an appeal. 

I waited a couple of business days for a response - nothing. So I reached out again on XX/XX/XXXX to follow up and made the official appeal. They came back today ( XX/XX/XXXX ) and said they denied my claim with no reasoning/justification. 

With the lack of turnaround on the documentation, I have reason to believe that they did not adequately investigate this situation. The initial reasoning of 'consistent with my payment history ' is absurd because I have never sent payment of this amount in a single transaction. I don't know understand how this was determined and have yet to get a response from Venmo.
Product: Money transfer, virtual currency, or money service

this is what I was worried about this has happened to me countless times with these app that I'm supposedly supposed to put my trust in.!? never again! 
Cash App as well as XXXX XXXX app these two company 's have gone and helped their self to access my account and transfer money without any reason or a notification letting me know about it so I can have the opportunity to approve that the transfer was me or to deny the unauthorized transactions before the thief gets my money. leaving me to pick up the peices and go through loop holes just to come out on the other end more broke and in financial hardship. what's the straw that broke the camles back is I just got my brother to pay me back the {$100.00} he owed me so I was relieved to know I would be able to get diapers for my daughter and have gas to make it to and from work as well get some food to make it until payday. and just my luck that seems to be reoccurrin the second that I'm not looking at my phone I get a ring notification from Cash App all of a sudden money is taken from my account {$50.00} transfer to my XXXX XXXX  account that has been inactive for over a year I haven't used it maybe it's been 2 years now I'm not sure exactly I do know I did not make that transfer or authorize it. what hurts me the most you guys didn't even notify me to see if I was making the transaction at 12 at night like what normal citizen is doing Bank transfers that late. why wasn't I ask if I want to approve it? but instead you guys take the money and THEN I get a notification letting me know that {$50.00} was transfered I wasn't asked!!! nor aware that if I got money then you guys take it without hesitation or consideration of how it affects me as you customer with very little income especially being a single mom in this pandemic. I have had money taken multiple times and nothing get resolved. I'm not going to just be quiet about this anymore I need this to be resolved my money returned and it's be figured out to where you guys actually can say with dignity our money is safe and secure. also when this does come up and people 's lives no customer support agent is available until business hours but all the crooks steal at night time when everybody 's vulnerable so the second I do get a notification there's nobody I can call to get alerted on that to stop it from happening got to wait until the transactions already processed and complete and it's normal business hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, XXXX XXXX, and DSNB Bloomingdales. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}. The Account Opened is DSNB/Bloomingdales Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several items on my credit report that I believe are inaccurate and damaging to my credit score. I have discovered late payment accounts, charge off accounts, and collection accounts listed under my name that I do not believe belong to me. 

Specifically, I dispute the following items : XXXX XXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX  collection account XXXX  XXXX XXXX charge off account XXXX  XXXX XXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX collection account I believe these items are inaccurate and damaging to my credit score. I have never had any accounts with XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX and I have no record of ever opening accounts with these companies. Furthermore, I do not recall ever having accounts with XXXX XXXX or XXXX XXXX that would result in charge off accounts. 

I would like to request that these inaccurate items be removed from my credit report immediately. According to the Fair Credit Reporting Act, credit reporting agencies have an obligation to report accurate and complete information, and must investigate any disputed items. I am exercising my rights under this act to dispute the inaccurate items on my credit report. 

I have also enclosed copies of documents that support my dispute, including copies of my credit report, bank statements, and any other relevant documentation. I would appreciate your prompt attention to this matter, and I look forward to hearing back from you as soon as possible. 

Thank you for your time and consideration. 

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

I have been a victim of identity theft and both TransUnion And XXXX XXXX have been aware of this for over a month. I sent in the necessary documents to these companies and they have failed to follow federal law. The FCRA 605b states that after receiving notice of an identity theft incident that the companies are suppose to remove and or block the fraudulent account from reporting on my credit report which both companies have failed to do. The account is as follows : XXXX XXXX Account : XXXX Date : XX/XX/2017 Balance : {$610.00}
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION responded to a complaint stating follow-up will be within 60 days. Law allows a 30 day window to respond.
Product: Credit reporting, credit repair services, 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 : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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: Credit reporting or other personal consumer reports

XXXX. XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX. XXXX ACCOUNT NUMBER XXXX XXXX. XXXX ACCOUNT NUMBER XXXX XXXXXXXX XXXX ACCOUNT NUMBER XXXX XXXX INQUIRIES, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted Experian and XXXX and XXXX and asked for them to investigate and remove the inaccurate accounts from my consumer report that they are ILLEGALLY Reporting and I requested specifically the alleged original application bearing my WET SIGNATURE and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Money transfer, virtual currency, or money service

I deposited my paycheck through TRUIST mobile deposit, that was issued through the corporation XXXX XXXX XXXX XXXX, and was placed on a 9 day hold. The check was {$800.00} and I had more than enough to cover the funds if the check was fraudulent. 

I live paycheck to paycheck to feed my family. When I called the staff told me all these ridiculous reasons why it would be held, none seemed to be reason enough to hold that amount for that long, and eventually was told that they " COULD HOLD ANY CHECK AT ANYTIME FOR ANY REASON. ''
Product: Student loan

I have been contacting Discover about my student loan account since XX/XX/XXXX They had accounting issues on their end which offset my balance. Two people contacted me, as well as sent e-mails and letter saying I did not pay on my account ( which I did, and those reps ended up finding those payments and then adding to the confusion by saying I missed another months payment, which I then had to clear again as well ). I provided proof of payments multiple times. I have even paid more than the amount due most months, so my balance makes no sense to me. I have been requesting a detailed payment history be sent via mail to e-mail to me, and no one has done so. I believe my balance is wrong or I would have been contacted at least by phone. Now, these " missed '' payments have hit my credit report eve though I warned them of that as well. I have almost every e-mail or message I 've sent them, on top of the proof of payments I 've also had to send in more than once. I really ca n't have this. I can provide more documents to prove I 've been reaching out, please just let me know if you need me to get more. They typically respond with a generic e-mail.