23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

A vendor requested payment through Venmo. 

I created an account with Venmo and sent the payment. The Venmo terms disclosed that they charge a XXXX  % fee for sending the money. I was ok with this fee. 

Next month when my credit card bill arrived I discovered that Venmo had processed this payment as a " cash advance '' which resulted in a {$10.00} fee in addition to interest penalties. 

Venmo never disclosed that they were going to process this as a cash advance which has these substantial fees and incurs interest. They only disclosed a XXXX  % processing fee.
Product: Vehicle loan or lease

I have paid off the vehicle loan but the lender says I still owe {$85.00} dollars. They did not notify me of this balance due. They shut down my online access to the account so I can't see the status of my loan. They have not responded to written requests for explanation or verification of the balance due. They are now adding fees to the balance due and reporting the loan to the credit bureaus as delinquent.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I was in an attempt to purchase a vehicle and I noticed you charged off this account, which according to the IRS, this is canceled debt, which it can't be reporting as income you've have this canceled debt is part of there profit and loss, which would make this reporting on my credit report as " incomplete reporting and inaccurate please send me the 1099-c form
Product: Credit reporting or other personal consumer reports

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 an account without written instructions.

15 U.S.C 1681c. ( a ) ( s ) States : No consumer reporting agency may make ant consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes with antedates the report by more than seven years.
Product: Credit card or prepaid card

On XX/XX/XXXX my credit card was used in three different locations unlawfully in Florida for the amount of {$1000.00}. The credit card company, Capital One refuses to believe that I did not use the card in Florida since the card has a chip on it and has stated that the chip can not be hacked or used unlawfully. I live in New York and have not been to Florida and the credit card company is requesting I pay all of the amount of the fraudulent purchases. I have attempted to appeal and the company continues to state that they have insufficient evidence even though the card has not been used for several months and has been in my possession in New York the entire time.
Product: Credit reporting or other personal consumer reports

Mortgage companies can not obtain my credit report or score from equifax. Ive mailed my license and social security card to verify my identity. Ive signed a document and uploaded my license. I keep calling and verified my information. XXXX saying sometimes the error is cleared and other representatives keeps asking me to send my license and social security card again. I cant keep mailing my social security card and license as that exposes my personal information. They need to fix this error so the mortgage companies can access my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the companies to verify and validate these accounts and the companies still fail to do. These are unauthorized account on all three of my credit reports below. XXXX has unknown accounts on my credit report that Im asking to be deleted! 
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

I sent a letter on XX/XX/XXXX to remove the 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 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a complaint on XX/XX/22 ID # XXXX and a follow up complaint ID # XXXX on XX/XX/22 concerning item # XXXX on my credit report. I received dispute results in the mail today as account verified as accurate. I don't see any updated information on the item or the furnisher of this information. It appears that it was verified by the XXXX court which I know isn't true because the court sent a letter saying they don't report to the credit bureaus. Which I attached to this complaint.
Product: Credit card or prepaid card

Credit limits have been decreased on both my personal credit card and my business credit card and I am have been a customer since XX/XX/XXXX and I have been XXXX XXXX since XX/XX/XXXX and my credit score is XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions are unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved and CFPB is saying they have processed my previous complaints before. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had charged-off status on an account that I was sure was not a charged-off. 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. verify and fix this account : XXXX XXXX XXXX .... Balance : {$560.00}
Product: Debt collection

This is the second time that this account has been turned over to the same debt collector. Initially this account was disputed via the CFPB website and it was at that time closed by the debt collector after the complaint. I received a letter from the debt collector advising that the account was closed and that all credit reporting agencies would be advised to delete the account. 

I received notification on XXXX2021 that the account was back on my credit report again. I am disputing this as I am making payments to the original creditor for this account and can provide a payment history to validate this. I have included the letter from the debt collector that advises the account is closed, along with a screenshot of my most recent payment to the original creditor, which actually occurred on XXXX.2021.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and i notice i had fraudulent accounts on my report.

please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit card or prepaid card

i had thousands of my dollars stolen by card services relia card id card # is XXXX their phone # isXXXX XXXX XXXXXXXX XXXX the company stole my identity and did business without my consent the worse part is that they did this with the tax company XXXXXXXX XXXX  but the company was unlawful to accept thrid parties this card is not allowed to reload and they put my taxes on the account and they were stolen by others they have then seen the errors when I reported the dishonor and made me wait still to this day they have not funded my account with a refund im not able to say how much was taken but my taxes and my government funding was taken I have been XXXX because of my money being mishandled by these fraud actors they need to refund me asap because of unlawful acts that is not in their policy none reloadable accounts that were unable to get reloaded by other agents this robbery and violate title 15 1028.and title 15 1681 a findings and truth lending remove any cases against me and allow the agents to refund upon this notice i shall not have to wait on my funds as the company has seen they made big errors with my funds and after reporting the first funds gone they did a illegal transaction with XXXX XXXX and robbed me again
Product: Mortgage

We were transferred to Newrez, our taxes for this year is XXXX. They are supposed to base the payment based on Taxes and Insurance. During this process they are using the full accessed value without the exemptions in effort to inflation our payments. There is a surplus we are owed and we want it because it belongs to us. 

We received a call from Newrez XX/XX/2024, we were told that on XX/XX/2024 that we will be sent our surplus and our mortgage would be recalculated based on exemptions. 

This company has lied to us, and plays games when they are talking to us. This is nothing but fraud to keep money that does not belong to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved
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.

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 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 ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

I have not given written nor any permission to any company to report on my behalf by taking control of my consumer report and allowing as such to be reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card account was opened at XXXX XXXX XXXX  on XX/XX/2022. 

On XX/XX/XXXX, I received information that there was an account in my name and that the address was changed to an address I do not recognize. 

On XX/XX/XXXX, I called and spoke to the supervisor asking them to close the fraudulent account, which they claimed they would but did not. 


On XX/XX/XXXX, I check my credit report and I see that the account was not canceled. 

So I called them to follow up on the situation and they claimed that they would cancel the account today. 

I do not believe them and am working very diligently to have them close the account immediately.
Product: Checking or savings account

In 2020, my checking account was compromised and {$950.00} was pulled out -- I am not sure where the information was compromised or who took it. Bank of America XXXX XXXX department took my case and filed a fraud case on XX/XX/XXXX of XXXX the amount was refunded and they suggested opening a new account and transferred my money. I did not realize I needed to call all of my vendors and let them know what had taken place. This was my first ( and hopefully last ) time to experience fraud and I was following the lead of the fraud team. I also started a new job and was training XXXX hours per day -- so I had to make calls to the bank when I had a XXXX minute break here or there, which was often not enough time to get to the right person. Luckily XXXX gave me their direct line. Over the course of the next few months I moved to XXXX and had to focus on urgent matters like finding an apartment, etc. I believe infinity was the first vendor to call me, and then I realized that all of my auto-payments were not going through because of the new account number. I paid up registered my new number in the few breaks I had or after XXXX or on the weekends, but by then the damage had been done to my credit. In the last few months I have been working with a fantastic Attorney, XXXX XXXX who is helping to inform the bureaus of what happened. In the process I have repeatedly called Bank Of America to get information about the fraud, the dates, anything -- any information they can give me. I have spent between XXXX hours on the phone with BofA and it's hard to put into words the ineptness of their system. I manage relationships for a living and am communicative and patient, however this goes beyond what anyone would deem acceptable. Representatives transfer me around, I end up explaining the situation multiple times, fraud transfers me out of fraud and then someone else transfers me back to fraud -- this goes on for hours. Sometimes they can see the fraud case and I ask for any information to be sent to me in letter form -- why the account was closed, etc -- twice I have been hopeful as the person on the other end seemed to understand and request the information I need -- it will be there in XXXX weeks. XXXX weeks goes by and nothing. This has happened over and over. I have been disconnected 4 times. I want to give up -- but this XXXX XXXX is affecting my ability to get good interest rates. I can not wait to leave Bank of America! You have to know about this lack of efficiency and just complete waste of time they put me through -- I was able to get the dates and amounts out of XXXX person -- which is how I could include it in this form -- but I still have no proper information needed for the credit bureaus! The account number and address are both old, but they are able to find them in the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX Account name- XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This fraudulent XXXX XXXX account doesn't belong to me. I've been disputing it for over a year but XXXX and EXPERIAN refuse to comply. They haven't provided any documentation validating this account. All they do is send me automated validation letters without merit. It's causing me great anguish, XXXX, and XXXX  thoughts. I've been denied approval for a home because of this account. Please remove immediately once and for all!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX  Southwest Credit Systems XX/XX/year> To Whom It May Concern : I noticed that you are reporting inaccurate information in my credit report and that you keep verifying this account when it is clearly inaccurate. This letter serves as a DEMAND to validate this account : Southwest Credit Systems : XXXX Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract XXXX XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you can not provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying, and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without giving me all the items listed, you will violate the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions. 

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

Account Name/Account Number XXXX XXXX XXXX  / XXXX In accordance with the fair credit reporting act convergent accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 206 A. States I have right to privacy.

15 U.S.C 1681 Section 206 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has 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
Product: Debt collection

I've attempted to negotiate and settle the debt twice using a law firm that fail to follow up in an adequate time frame. The first occasion the law firm failed to relay a counter offer from me to the creditor. The second occasion the law firm, had me to agree to unfavorable terms and then failed to contact me back about next steps and finally provided me the information 3 days before the date which did not allow me time to agree to the terms because my funds were in an out of state bank. 
I attempted to contact the creditors law firm on Friday, XX/XX/XXXX to ask for an extension and the lady that answered the phone refused to work with me even after I offered to provide her their file no, she attempted to pressure me into providing my social security number which I refused then she ultimately refused to work with me even though I let her know that I had just been provided the information about the settlement. I would like a fair settle offer that is consistent with what has been in the past. I'm also concerned that I might have been researched and targeted with a lawsuit.
Product: Credit reporting or other personal consumer reports

I urgently ask you to promptly remove the unauthorized accounts from my credit report. I did not authorize them, and they are causing me significant distress. Please correct this error without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed some unauthorized inquiries and XXXX unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX  XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below was opened fraudulently without my consent and it is against consumer law to report fraudulent accounts. 


TransUnion Fraudulent Account XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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