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

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} ; ( Original Creditor XXXX XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$410.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 card or prepaid card

1 ) initial payment, paid on time, was sent back to bank. 
2 ) credit card company initially said bank requested money 3 bank denies this. 
3 ) now credit card company CAN NOT explain why they did this. 
4 ) credit card company did not notify me. 
5 ) next billing cycle they charged a late fee. 
6 ) the next day they sent me a notice of rejecting a complaint, for a lessor amount, that was not part my initial complaint. 
8 ) they insist on me waiting for 90 days to resolve this. In the meantime, they are going to continue charge a late fee. 
7 ) the decision seems to be at their discretion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not properly investigating my disputes. I have mailed them a XXXX page dispute letter certified mail. I am requesting that they complete a thorough investigation as stated on the letter
Product: Vehicle loan or lease

Bridgecrest was contacted by the NH XXXX as well as myself over 6 times to find out where to send my state title move transfer request form. When I contacted Bridgecrest the first few times they gave me the same fax number and kept saying they never received it after confirming the number. Then as I kept asking I had the XXXX mail the paperwork, send it to a new fax number repeatedly and eventually an email. Again Bridgecrest kept saying they never received the form and I had to go back and forth to the XXXX each time and wait hours in line to give them new contact info for Bridgecrest or to ask them to send the documents again. Eventually I got an email address that worked but now my car registration is set to expire because the new state I am in still does not have the title.
Product: Prepaid card

I can not use the AMEX prepaid gift cards in most online or in-store retailers, and I've already heard from a couple of people who have had the same experience as me that AMEX themselves can not really do anything to help you spend the money other than to suggest you find another retailer and hope the cards work there. I decided to skip the trouble of finding another place where these cards could work and I came here because this was the only place where those people could find closure with their issues as they requested checks which they eventually received that contained the original balance on the AMEX cards that they had previously.
Product: Money transfer, virtual currency, or money service

I requested Venmo to provide me with all details regarding unauthorized activity on my account while it was under the control of a hacker. Venmo Support has largely been unresponsive, and when they do reply, they do not address my issue in any way. 

On XX/XX/XXXX, a hacker accessed and locked me out of my Venmo account ( as well as PayPal and all my email accounts ). They somehow gained control of my old phone number, which was still tied to the accounts.

Every day for seven weeks, I tried to work with Venmo Support. I had to open many tickets because Venmo would close them before the issue was resolved or simply stop responding, even after following all their instructions. When they did respond, it was obvious they did not read my Support Requests as they would only advise me to follow the prompts to regain my account, but without the phone number tied to the account, that was not possible. Four times they did ask for proof of my ID, which I provided, but they would not follow up or respond afterward. 

The hacker managed to get {$6700.00} from my bank account before I could notify the bank on XX/XX/XXXX. After I worked with the bank, Venmo began refunding directly to my Venmo account on XX/XX/XXXX. Because Venmo still did not restore access to my account nor lock it as I repeatedly requested, the hacker was able to get another {$6700.00}. The hacker transferred all of these funds to a bank card they attached to my Venmo account. 

On XX/XX/XXXX, I was finally able to get access back ( after seven insanely frustrating weeks ). Throughout the seven weeks of this process, I repeatedly asked Venmo to provide details about the activity on my account, but they never responded to these requests. 

XX/XX/XXXX, I started a new ticket requesting the information for every transaction that occurred while the account was in control of the hacker and the information tied to the bank card the hacker attached. The information for the fraudulent bank card could help with the police investigation and details on the transactions ( completed and attempted ) will help me understand what happened with *my* own account. 

In summary, Venmo Support has been slow to respond or incompetent in the months since my account has hacked. Venmo has allowed a hacker to continue defrauding me and others, Venmo gave this hacker an additional {$6700.00}, and Venmo has prevented me from providing information to the police.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2016 account reported by XXXX and the original creditor was XXXX XXXX XXXX XXXX XXXX with a balance in the amount of {$500.00} was removed from my credit files and reinserted on XXXX XXXX, 2016 under PHNX Financial services.
Product: Debt collection

This card was not mine. I only had one XXXX credit card and they attached two to my account which I never realised. Then kept taking payments and trying to overdraw my account. Then I got something from Jefferson capital saying they owned this card and account that was not mine or opened with my permission.
Product: Vehicle loan or lease

Spoke with an agent on XX/XX/year> from Exeter Finance. I informed her of the issue having due to a Hardship ( loss of income and job ). She put in a request to have a deferment on my account and the account would NOT GO PAST DUE. She said it would be APPROVED and once approved someone would contact me. Exeter Finance denied the deferment. Which has now caused me to go past due. This was 100 % misleading by the Agent and Exeter Finance. Today ( XX/XX/year> ) XXXX the XXXX ( id XXXX ) REFUSED to do anything about listening to the call to confirm details. Instead he continue to request a date of when I would be able to pay the amount in full since it is now PAST DUE. I requested a copy of " call '' they attempted to make to inform me. Again XXXX the XXXX ( id XXXX ) refused to help
Product: Mortgage

Select Portfolio Servicing, Inc. received my mortgage check # XXXX in the amount of {$2400.00} for the XXXX mortgage payment. Instead of depositing my check, Select Portfolio Servicing , Inc. made an ACH withdrawal from my checking account on XX/XX/2019. I never authorized Select Portfolio Servicing, Inc. to make an ACH withdrawal from my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted many times to request all credit reporting companies remove an old/inaccurate debt from my credit and all agencies have denied this. I started college at XXXX XXXX in XXXX. I applied for a private student loan with a family member in XXXX from XXXX XXXX ( 2 of them ). I got a private student loan, and I graduated in XXXX. I was never billed for this account, I never applied for any deferment, I included both accounts in my XXXX XXXX bankruptcy and indicated that they were private student loans, not federal student loans, and my grandfather passed away in XXXX ( co-signer ). My XXXX XXXX bankruptcy was XXXX in XXXX as indicated in my credit reports. I was granted a full discharge of all requested debts. I notified the credit agencies, and these accounts initially disappeared then reappeared. I was denied the right to have it removed. I sent my discharge to all creditors, including this company. Still, they refused to remove the debt. The debts clearly indicate they were opened in XXXX, but falsely indicate they were " charged off '' in XXXX and XXXX. No attempts were ever made to collect on these debts and no payments were made given it was discharged. According to WA and OR law, all debts including private student loans ( written contracts ) are outside of the statute of limitations after 6 years. Furthermore, at the time I resided in Missouri when these loans were disbursed and their statute of limitations on " promissory notes '' as used in the case of these loans is 3 years. 6 years past XXXX when the initial debt was created is XXXX, 6 years past when I graduated is XXXX, 3 years past when I made the debt is XXXX, and when I graduated XXXX. It is now XXXX, which is 8-12 years past when these loans originated and when they were due. Keeping these debts on my credit is against the statutes in each of these states and they indicate false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Transunion, I need your immediate help. XXXX XXXX is reporting on their website that you are reporting a {$12000.00} collection from my Transunion credit report. That is inaccurate. I do not have a collection account. Please clear this issue up quickly with XXXX XXXX and all other reporting sites since this is a serious issue. 

I have attached a copy of what XXXX XXXX is reporting. The collection is highlighted. The student loans and credit card amounts are correct, but the collection is totally wrong. 

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

XXXX allowed my information to be obtained by unknown parties without my consent potentially resulting in fraudulent action being taken with my personal information in the future.
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. 

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  These accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX allowed fraudulent charges to amount to {$1000.00} for service to an address I 've never lived. I thought the matter was settled with XXXX, I sent them : 1. Police report 2. proof of residency during the time the charges happened. 
3. proof of employment 4. a " fraud packet '' They then sold my debt to a collections agency that just sent me a notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITI IS NEGLIGENT AND NON-COMPLIANT WITH EVERYONES PII!!!!! 

Citi has misused my and another XXXX XXXX 's PII. I have been trying to obtain proof that Citi verified information and they have failed time and time again to provide proof. They have NEVER verified any PII with me and have failed to prove the account was opened by a human. The company they sold my information to has changed the name of their company on several occasions. They also changed the address on my credit report without consent or knowledge. Both Citi and XXXX XXXX XXXX have done nothing but, engage in psychological warfare. I had someone harass me at my home telling me to answer the door because they could hear me walking around. HARASSMENT!!! I have tried on multiple occasions to resolve the matter on my own with Citi and they continually blow me off. I have asked for physical proof that they verified any information on the account and they have pretty much told me to take their word for it. It violates the FDCPA. I have consulted an attorney on this and will be pursuing legal action. I have never lived in Wisconsin ( where XXXX XXXX lives XXXX nor have I ever lived in New Jersey but XXXX Citi and their scam collection agency want to say so without any proof. 

I have tried reaching out to XXXX XXXX and was blocked when I brought the breach to his attention. Not exactly a stand-up kind of guy but, it goes along with how Citi has acted since the identity theft was brought to their attention almost a year ago. 

The other more troubling issue I have with Citi is their failure in compliance. I have complained about the account they claim as mine is identity theft. Citi can't even manage PII properly because someone at their company sent me an email regarding a deceased customer of theirs. The funniest part is XXXX XXXX 's daughter 's name is XXXX XXXX but, she lives in Wisconsin.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for multiple lines of credit and loans in my name!
Product: Payday loan, title loan, personal loan, or advance loan

I paid this company in full many years ago, they keep sending letters demanding a final payment of {$200.00}. I paid this last time, and now they are demanding {$200.00} again. At this point, there's likely some kind of fraud going on. I have also been shorthanded at this establishment before for {$20.00} I haven't been to this business in nearly a decade.
Product: Credit card

XXXX XXXX claims they have transferred a Costco Credit Card I had with them to Citibank. But I never applied for a credit card from CitiBank. 
This creates XXXX problems : 1 ) XXXX XXXX refuses to acknowledge my old Costco Credit Card account and let me download my transactions 2 ) XXXX claims I now have a new credit card with a bank/issuer that I never asked for an account with. 
XXXX XXXX XXXX
Product: Credit card

I have never had a Discover card in my possession. This card and 2 other cards were fraudulently opened in my name XXXX on XXXX of XXXX and XXXX on XXXX of XXXX. I disputed this back in XXXX of XXXX, which it is noted on credit report. Around XX/XX/XXXX My daughter and I called to solve the issue and 3 times we were put on hold with no response or help.
Product: Credit reporting or other personal consumer reports

I disputed the XXXX. Also stated accordance with the Fair Credit Reporting privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I have been sending money with Wells Fargo through XXXX for several years to the same person. I sent the following amounts from my acct at Wells Fargo to my Fiance 's account at Wells Fargo. XXXX {$1000.00}, XXXX {$1000.00}, XXXX {$2000.00}, XXXX {$2000.00} These funds went to another bank and an identified person. Again, I send funds to her every month with no issues until this past XXXX. I made no changes to the XXXX account at any time. I called Wells to file a claim on XXXX. I received no confirmation, so I called again on XXXX and they stated a claim wasn't not logged on my previous call. So I made a new claim on XXXX. They denied my claim. I called their Complaint Dept on XXXX and was told I would receive a call back in 48 hours. I did not receive a call until XXXX. XXXX states XXXX is not their product and they do not back the transfers. I am a 100 % XXXX veteran and have been XXXX  6 times since XXXX and my XXXX affects my XXXX abilities. This {$6000.00} is my mortgage money. Wells states they have nothing to do with XXXX and it is not their product. Yet it is advertised and promoted through Wells. I feel this is not right to promote a product they do not back. All previous transfers went correctly until XXXX and they can not tell me what went wrong or who made a change to my zelle transfers. Wells is taking no responsibility nor can they give me a number to XXXX so I can research myself. {$6000.00} is nothing to Wells, but it is affecting my ability to live. Bottom line, Wells is stating you use XXXX at your own risk. I also asked for contact information for XXXX XXXX CEO, but they could not provide that information. I have been a customer for 21 years and feel I deserve a better explanation and some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$1400.00} I disputed this amount. I was never at the hospital. I asked for documentation. None was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I notified the company involved. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Acct # : XXXX AcctID # XXXX ) I asked for them to provide me with documentation that validates this debt and establish ownership : such as a signed application, identifying documentation provided at the time the account was opened. They sent me a billing statement, nothing else. I requested either they validate the debt or remove it from my credit report also that they notify the credit bureaus to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to Experian and XXXX to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$660.00} U S DEPT OF EDXXXX XXXX Balance-
Product: Debt collection

This is a revised complaint in contrast to the previous one that was submitted ; please adhere to the instructions provided for this complaint instead of the initial one. 

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.