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

Fiserv aquired XXXX XXXX on XX/XX/XXXX. The Fiserv XXXX Form 10 -K did include the aquisition of Merchant XXXX and excluded the liabilities of XXXX XXXXXXXX. XXXX XXXX was liable to this case prior to aquisition. We discovered on XX/XX/XXXX the aquisition after XXXX XXXX obstucted. Fiserv is liable upon aquisition of XXXX XXXX. XX/XX/XXXX Fiserv declined disclosure based on false statements and hearsay from XXXX XXXX upon factual evidence, facts, and time line we disclosed. XXXX XXXX aquired our unique data on XX/XX/XXXX, our unique data was used to open a fraudulent bank account at XXXX XXXX XXXX to facilitate a fraudulent merchant account at XXXX. Fraudulent transactions went through both accounts. XXXX verified and confirmed identity theft at XXXX XXXX XXXX, XXXX verified and confirmed identity theft with XXXX XXXXXXXX on XX/XX/XXXX. XXXX closed both fraudulent accounts on XX/XX/XXXX. XXXX placed our data on the XXXX for XXXX XXXX identity theft on XX/XX/XXXX. The unique data came from XXXX XXXX and aquired on XX/XX/XXXX and used to facilitate both fraudulent accounts causing the XXXX. On XX/XX/XXXX XXXX XXXXXXXX claimed in a XXXX report to the New Hampshire attorney general XXXX XXXX became aware of a data breach and identity theft occured within. We were never notified from XXXX XXXX of the breach or identity theft, or the XXXX. XXXX XXXX claimed an ongoing investigation to locate victims in the XXXX. We discovered the XXXX on XX/XX/XXXX during and ongoing investigation at XXXX XXXX from a different source. Our businesses were frozen due to the Match. XXXX XXXXXXXX was notified of the Match on XX/XX/XXXX during their claimed ongoing investigation and began to obstuct by blaming XXXX XXXX as the source of the Match knowing XXXX placed the Match for Code 14 identity theft on XX/XX/XXXX. XXXX XXXX was obstructing this case to maintain the value of XXXX XXXX before the aquisition of Fiserv. Prior to the Fiserv aquisition of XXXX  XXXX, Fiserv aquired XXXX XXXX in XXXX, in which the prior owner of XXXX XXXX was found guilty of opening fraudulent merchant accounts to XXXX. While our businesses, data, credit, websites, products, and patents are frozen and destroyed due to the XXXX caused by XXXX XXXX. The Match is a weapon. Fiserv aquired liability to this case and has declined additional disclosure. XXXX XXXX XXXX admitted, disclosed, and now obstructs. XXXX admitted and disclosed supporting evidence. XXXX XXXX obstructed. This document is an update to the XXXX XXXX XXXX complaint. Fiserv has denied additional discloser. XX/XX/XXXX XXXX was requested to provide a resolution proposal with terms and condition to mediate and mitigate and has refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I saw fraudulent activity on my credit report. Someone tried to get credit in my name. A couple months later, I decided to freeze my credit report. So I froze my report on XXXX, XXXX, and Experian. I also placed a security freeze with XXXX, XXXX, and XXXX. 

Here I am, a month or so later ... and on XX/XX/XXXX I find another fraudulent inquiry on my credit report. I contact my credit monitoring service and they tell me that the fraudster was able to unfreeze my credit report through Experian and apply for credit. 

They did this using my SSN, address and date of birth. All information that they could have easily acquired through widespread data breaches from companies including Experian themselves. 

This fraudster was able to fill out an online form on Experian 's website, using a completely new email address, and get access to my credit report using that information. How am I supposed to protect myself, when the " guard '' ( Experian in this case ) opens the door to the very people I'm trying to protect myself against. 

Since this happened 4 days ago, I have found articles going back 4 YEARS complaining that Experian has this gaping security hole through which anyone can easily gain access to a user 's information and remove a credit freeze. That is a long time to not fix a serious problem! Now, because of Experian, I not only have someone applying for credit in my name, that fraudster now has access to everything on my credit report because Experian GAVE IT TO THEM ... after I explicitly told Experian to NOT give anyone that information. 

Finally, after all this, I have made several attempts to contact Experian but can not reach a live person via phone. I can't access my account online. And my only recourse is to try to reach them via postal mail. So now I'm supposed to communicate by mail, over the course of likely days, weeks, or months ... to resolve this issue, during which time I fear Experian will continue to give access and resources to the identity thief. 

There are 2 criminals here. 1 ) The identity thief. And 2 ) Experian. The far worse criminal is enabling more of the first, and they are doing it under the protection of the US government. I want this to STOP, for Experian to be held accountable, and for Experian to put REAL protections in place so this can't happen anymore.
Product: Credit reporting or other personal consumer reports

PERMISSIBLE PURPOSE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : Last 4 XXXX To whom it may concern, I, XXXX XXXX, never gave ( Equifax XXXX XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following accounts : XXXX XXXXXXXX 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 Sincerely, XXXX XXXX
Product: Consumer Loan

Received email from lender stating that they were going to sue me and inform my employer and I was only 2 days late. Here are their words : " Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax several times. They will not update the information provided, Equifax keeping saying information is valid. I have mailed several letter in.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Receivable Management Services LLC for committing identity theft. I have never given Receivable Management Services LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from Receivable Management Services LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Receivable Management Services LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Receivable Management Services LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Receivable Management Services LLC continues its collection efforts, I will file for litigation for actual damages caused and Receivable Management Services LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/scrub>/2024 with the inaccuracies that are being reported differently across XXXX, Experian and XXXX. They ( XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>2024. They have not responded as of today. A second letter was sent today ( XX/XX/year>2024 ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. here 's the tracking number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This car was involved in a horrific accident that was not my fault. I was never advised that after the insurance company paid off the car that the balance needed to be paid within 90 days. There were payments made monthly of {$700.00}. A check was sent for {$1300.00} ( balance ) at the end of XXXX. They did not receive it or post it till the second week of XXXX. When I realized they still hadnt cashed the check, I called and made the payment over the phone but they had just reported that it was charged off. They gave me no notice, nothing! My credit score has tanked because of this and I had a great credit score that I worked hard to achieve. Hyundai refuses to do anything to help. It shows paid but it is still affecting my credit. I have a lawyer for the accident and will be willing to provide whatever you need. They also cashed the check after they received the payment over the phone and will not return it for 3-5 weeks!! This is unacceptable! Please help me fix this mess. I am still recovering from this accident and this all seems very unfair.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information with XXXX, Equifax, XXXX in regard to this account XXXX XXXX Account # XXXX, # XXXX. Why are there multiple account numbers across all three consumer reporting agencies? clearly that's a inaccuracy so delete based off that error! XXXX, Equifax and XXXX stated the information was verified and accurate. After checking my credit report the information is still obviously inaccurate! On my XXXX and Equifax report the account displays an open date of XX/XX/XXXX but this account was actually opened XX/XX/XXXX as stated by XXXX so which is it?, it should be falling off my credit report when? The report shows the payment history begins XX/XX/XXXX which is another inaccuracy! The account is also Charged off XXXX times which is another blatant inaccuracy! An account can't be charged off, reported as a collection and then charged off again. These are clear inaccuracies that XXXX allowed to remain on my credit report. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. XXXX, Equifax, and XXXX told me the account remains with all the inaccuracies. Please delete this account effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I'm asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in Delete account immediately Account Name : XXXXXXXX XXXX Account # XXXX, # XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

Subject : Urgent Complaint - Unexpected Account Closure and Withheld Funds Consumer Financial Protection Bureau, XXXX XXXX XXXX, XXXX XXXXXXXX, Iowa XXXX Date : XX/XX/2023 To whom it may concern, I am writing to formally file a complaint against Chase Bank for the unexpected closure of my account and the withholding of my funds without any given reason or evidence suggesting any illicit activities on my part. 

On XX/XX/2023, I was notified that my account, number XXXX, was closed. No prior notification or reason was provided. Additionally, as of XX/XX/2023, I have been unable to access the funds in my account, amounting to {$5800.00}, despite my numerous attempts to resolve the issue with the bank/institution .

I have always ensured that my transactions and activities are lawful and within the bank 's guidelines. It is deeply concerning and distressing to be treated as if I have committed some wrongdoing without being presented with any evidence or even an articulable suspicion of any illicit activity.

Despite my repeated attempts to communicate with Chase Bank using the number they provided to inquire about the details ( XXXX ), they have either been unresponsive or unable to provide a valid reason for their actions. This has not only caused significant financial strain but has also impacted my ability to meet my financial commitments.
Product: Debt collection

On XXXX XXXX, 2016 I received a phone call from ( XXXX ) XXXX XXXX at XXXX am EST, stating she was a debt collector from XXXX in XXXX. I live in XXXX and asked that the bill be sent to me. The agent refused and said I needed to pay and that " we sent you the bill you just trashed it '' at that point I told her the phone call is recorded and she laughed and ended the call. I as simply asking for the bill to be sent to me and telling me that I " trashed '' the bill instead of sending it to me is completely harassing and making lude comments about throwing things away is unnecessary.
Product: Debt collection

TD bank calls me everyday after the pandemic. I make my payments but they still harassed me. Since the pandemic is almost a daily call. I already ask them to email or send me letters. I ask them not to call me please. This is driving me insane.
Product: Checking or savings account

I have been trying to contact first Hawaiian bank several times and they have denied me access to my trust account. They sent security to remove me. I supplied security with validated dna test proving access to the trust account. In addition the trust account is fraud. It was created XXXX but the heir died XXXX. The trust has been used XXXX  to fund the bank for a long time. In addition, the trust bought and sold land which is not allowed by our laws according to the XXXX of Hawaii. They are I operating outside of their jurisdiction. I am a lineal heir to the trust. It was not only created when the heir had passed but they have been notified that I filed with the SEC
Product: Money transfer, virtual currency, or money service

Subject : Urgent Complaint Regarding Missing Funds on Venmo Dear CFPB, I am reaching out to report an issue with Venmo that has caused me significant stress, especially as I am currently dealing with the loss of my mother and trying to pay for her funeral expenses. 

On XX/XX/year>, a friend, XXXX XXXX ( Venmo XXXX : @ XXXX ), sent me {$1000.00} USD to my Venmo account ( XXXX : @ XXXX, name : XXXX XXXX ). The funds arrived in my Venmo account at XXXX XXXX. 

I attempted to transfer the funds using the instant transfer option to my XXXX bank account multiple times ( XXXX attempts ), but the transfer was unsuccessful despite my XXXX account being listed as an available option on the Venmo platform. I then attempted to add my debit card to facilitate the transfer, but the system would not allow me to do so. 

To my surprise and frustration, the {$1000.00} has now disappeared from my Venmo account, and it is not reflected in my XXXX XXXX  account either. 

This is my first experience using Venmo. I activated and verified my account on XX/XX/year>. 

The situation is causing me immense distress, as I urgently need access to these funds to help pay for my mothers funeral expenses. I kindly request your assistance in resolving this matter and ensuring I regain access to the missing funds. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was called by a JP Morgan Chase bank phone number ( XXXX ) stating my account had fraudulent activity through XXXX. They gave me a reference, name of who the money was sent to, and amounts. XXXX cancellation codes : XXXX {$490.00} to XXXX XXXX XXXX {$1000.00} to XXXX XXXX I DID not make those XXXX transfers so the Bank transferred me to the " Chase XXXX Fraud Dept ''. This is where they continued to have me make transactions through XXXX and send money through my debit account from XXXX and XXXX money center so they could " verify '' it was me. The " Chase '' employee from the fraud dept sent me two different barcodes to have scanned when at XXXX to send the money so I have no idea who it was sent to. The XXXX XXXX in XXXX was sent to XXXX XXXX XXXX, in the XXXX XXXX. Amount {$29000.00}. The phone number texting me all of this information with barcodes and XXXX 's info is ( XXXX ) XXXX. They are still ACTIVELY calling me and asking to all different numbers, etc. which I AM NOT. I have receipts from all three of these transactions, but my bank said they can not recover the funds because they were done as debits. However, it was the impersonator of my bank that called me, through their exact phone number! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit customer service refused to release a credit freeze which was placed on the account. The credit freeze has a pin number and when asked to remove the freeze or reset the pin the company refused to send a new pin to the address on record. After answering the security questions correctly, the company argued about the answers they were given. They wanted me to answer questions which were not security questions. They were not multiple choice questions to verify my identity. I was asked to tell them who I have an existing loan with, not a series of answers regarding which is correct. After answering correct, they refused to send a replacement pin or lift the security freeze.
Product: Mortgage

1.When researching my complaints I found that my last payment date was XX/XX/2017 and next payment is listed as XX/XX/2017.I am on a SAM, my payments are by bank draft & this worries me that they will not deduct my XX/XX/2017 payment and find me at default. 2.My annual escrow statement has an incorrect deduction for a projected payment in addition to the actual payment from my actual ending balance.Their website shows the correct escrow balance and the projected escrow balance for XX/XX/2017 should have an overage of XXXX above the required cushion of XXXX. ( 3 ) An appraiser tried to set up a meeting to appraise my property when I was negotiating the SAM agreement, he told me the prior appraisal was false, the SAM was signed without the additional appraisal but I 'm still be charged over {$400.00} for the incorrect appraisal? ( 4 ) When I was trying to get a federal mortgage modification they were sending my payments to a suspense account. I finally agreed to a SAM agreement.The SAM agreement did not include my suspense account and ended up being more than my original loan balance. I was told that once the papers were signed that the suspense account payments would be applied to the balance and it would reflect a much lower principal balance than reflected on the SAM. But those payments do not seem to have been applied to the principal. That was a lot of money to disappear.
Product: Credit reporting or other personal consumer reports

I hvae requested that AES my student loan servicer not be listed as on my debt as AES/GOAL Financial as they are not the hold of my debt " Goal Financial '' is and they should be listed and only them them as the creditor I have an email from them stating that they are not the creditor and they continue to list themselves on my debt as " AES/GOAL Financial '' I have suggested that they can list the obligation as GOAL Financial /serviced by AES or GOAL Financial /AES servicer. However they don't and I have asked the creditor to reach out and have the servicer make the change. AES is not the owner of my debt and therefore should not be listed as they currently are.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX XXXX XXXX  ) Account number # XXXX, ( XXXX XXXX XXXX XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report