23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a venmo account and I reported unauthorized transactions. A few days later my account was frozen so I had to provide a copy of my ID and bank statement for the account attached to Venmo. Once I did that they unfroze my account just to turn around 6 hours later and freeze it again. Now I cant get them to respond.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on JEFFCAPSYS. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the erroneous account reporting on my Credit Report : JEFFCAPSYS - Acct. No. XXXX
Product: Vehicle loan or lease

So I had a lease car with BMW. Before lease end, I found another bmw car I wanted at a different dealership than the initial leased dealership. I decided to buy.this next car instead of leasing. The new dealer agreed to pay the remaining balance on my lease ( XXXX payments ) to get me in new car. The leased car was returned to the new deslership, which I was assured was okay, that everything would be coordinated with old/original dealership. Well the payments were made but there was a termination fee that I was unaware of and was never taken care until I found out several months later. 

This had caused my credit score to decline by approximately XXXX points. That is severe to me for one and only late payment Ive had in 20+ years. While I take responsibility for actions, it was the mix up between the two dealerships that XXXX XXXX bearing on the payment not being taken care of. I did pay it immediately was bought to my attention. {$170.00} fee, not an actual payment, should not be held against and decrease my credit score XXXX points! 

Im attaching a copy of the payment I made to bring my account with BMW current.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 XXXXXXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Consumer Adjustment Company/Consumer Adjustment Co acct XXXX XXXX has violated my consumer rights. I know I am protected by the FCRA as a consumer. I did not give Consumer Adjustment Company my written permission or instructions to furnish this negative account on my consumer report. I have requested documentary proofs of my written consent given to Consumer Adjustment Company and no other company. 15 US Code 1681 section 602 A states that I have the right to privacy. 15 US Code 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account without my written permission or instructions. PLEASE SEE ATTACHED****
Product: Debt collection

Around the end of XXXX a collection debt of {$1300.00} was sent to my report by XXXX XXXX XXXX. I have credit monitoring and locks on all three credit bureaus and get notifications for everything. The account was opened in XX/XX/2022 and lasted XXXX months. I disputed the fraud immediately and I got my results back XX/XX/XXXX. My dispute was denied. I put another one in immediately and called XXXX XXXX XXXX right after to put in a dispute with their fraud department. Than began making ftc reports and cfpb complaints.
Product: Checking or savings account

Bank refused to send me the XXXX  transactions for XXXX XXXX bank my money was taking out unauthorized and the dispute was denied super fast dont remember the amount but in order to get a police report I would need the grand total of the XXXX XXXX XXXX XXXX and a copy of all the XXXX XXXX XXXX XXXX I can file a police report and recover my funds currant bank refused to assist me and I want a dispute claim to be reopened
Product: Credit reporting or other personal consumer reports

I am writing to dispute the incorrect reporting of an account on my credit report. After contacting the relevant company, they confirmed that an error had occurred and assured me over the phone that the account would be promptly updated. 

Your bureau is legally obligated to conduct a reasonable and prompt investigation of disputes, including a review of all relevant information submitted by the consumer. 

XXXX and XXXX have already corrected this inaccuracy on my report, so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated. 

XXXX XXXX XXXXXXXX. 

Please delete this from my account. This account has dropped my credit score a lot. Please fix this matter pronto. Thanks.
Product: Debt collection

I have been called on multiple dates, including 3 times on one day .... 

XXXX XX/XX/11 XXXX XX/XX/11 XXXX XX/XX/11
Product: Debt collection

XXXX XXXX XXXX XXXX is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several hundred e-mails and letters to the company including the company CEO explaining the debts are not owed. Capital One refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on. XXXX XXXX has issued trades lines on my credit bureau listing.
Product: Consumer Loan

On or about the second week in XXXX XXXX I received a call from State Farm Bank asking for a past due payment on a car loan. I asked why they were calling me for payment. The collector stated that I was the co-borrower on a loan for a XXXX XXXX XXXX and that State Farm was unable to reach the primary buyer XXXX XXXX. I was very concerned about my credit being destroyed so I began making payments to State Farm Bank in an effort to preserve my good credit. Kindly note that XXXX XXXX is my son-in-law and he left XXXX in XXXX XXXX and now lives in XXXX. I am upset because I can not afford the {$740.00} per month car loan payments. I never co-signed for a loan for the XXXX XXXX nor did I authorize anyone to sign my name to a loan. I requested that State Farm Bank send me a copy of the Vehicle Loan Application and the Promissory Note and Security Agreement so that I can see if someone forged my signature. The signature on the Vehicle Loan Application and the Promissory Note and Security Agreement are in fact not mine and I am the victim of identity theft and forgery. I also went through papers given to me by my daughter that were left in her care by my son-in-law XXXX XXXX before he left for XXXX. I discovered a copy of a Power of Attorney that I did sign. I did not sign this document in the presence of a Notary Public although a Notary Public named XXXX XXXX XXXX claims he witnessed my signature on XXXX/XXXX/XXXX. I do recall when my son-in-law asked me to sign the document ... I was at home with my wife and son ; it was evening ; no Notary Public was present. My son-in-law indicated that the document was needed to check my credit and that the document I was signing was not a car loan. XXXX XXXX informed me that if my credit was good enough, I would need to be present at the dealership for a loan to be applied for. I also found a Bill of Sale and Odometer Disclosure Statement that only lists XXXX XXXX as the Buyer and there is no name listed as a " co-buyer. '' I have attached the Power of Attorney ( dated XXXX/XXXX/XXXX ), Vehicle Loan Application ( undated ) and the Promissory Note and Security Agreement ( dated XXXX/XXXX/XXXX ), Bill of Sale ( dated XXXX/XXXX/XXXX ) and Odometer Disclosure Statement ( dated XXXX/XXXX/XXXX ). I need assistance because my only option is to stop paying and wait for State Farm Bank to sue me in order for me to prove to a Court that I am not legally responsible for this debt. To exercise my right to have my day in Court would be costly and destroy my good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion failed to verify the Collection/ Closed account and balance amount being reported for XXXX XXXX XXXX pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

It is unlawful and damaging to disregard or deny my request for disputed false, incorrect, and inaccurate information appearing on my credit report. Such actions are in direct violation pursuant to The Fair Credit Reporting Act. All information that is false, incorrect, and inaccurate is illegal to report in my credit file. The new updated information is not only false but also inaccurate and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. These items that should be deleted are listed in the report. I was trying to ask the Bureaus for validation of these Collections but I did not receive any response from them. 

Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, these Collection Agencies have violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$700.00} ACCOUNT NAME : XXXX ( Original Creditor : XXXX XXXX XXXX  ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$750.00}
Product: Debt collection

I received an email from a debt collector TrueAccord, saying that I owed {$14.00} on a XXXX XXXX account. I called XXXX and they told me that they were not allowed to tell me the balance of the account or the reason for the charge over the phone. 

XXXX told me that I owe {$14.00}, and that in order to fix this problem, which I still have no information on, they need me to travel to a branch and solve it in person. However, there are no XXXX branches in this State. So according to the employee I spoke with my only option is to travel out of state, find out what the {$14.00} charge is for, on an account I did n't know I had, with a balance that is unknown.
Product: Credit reporting or other personal consumer reports

Student loan was taken out in my name without my permission. I contacted SCHOOL when I have received a letter in the mail went up to the school. Did a signature that they said wasnt mine did a affidavit report and a police report
Product: Checking or savings account

I called Chime Financial on XX/XX/2025, to ask them about a transaction I was potentially looking to do. They record their phone calls, so it's all on file with them. I asked them if I had any issue with the person who I was sending money to, if Chime would be able to recoup my money back and they said they would with no problem. Otherwise, if the rep said no, I would not have went through with this. 

I sent the money to this person shortly after my call with Chime, and the person providing the service did not hold up their end of the deal. So I ended up calling Chime right after that again to file a dispute. 

Late XXXX, I hadn't heard from Chime regarding my dispute so I called them to get an status update and the rep I spoke to told me no dispute was filed. So I was already upset that almost a month had gone by and the original Chime rep did not file a dispute when they were supposed to have. 

So I filed the dispute with the rep, and a day or so later my dispute got denied. XXXX XXXX, I was told there would be no problems. I need them to rectify this situation. That's {$120.00} of my own money that I need back.
Product: Credit reporting or other personal consumer reports

INCORRECT PERSONAL INFO ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DUPLICATE REPORTING 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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the account, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. 

I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

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

Hello this is now my 3rd attempt of having you investigate Equifax for allowing inaccurate information to remain on my credit report which is adversely affecting my daily means of living. there is a XXXX XXXX account number ending in XXXX on my Equifax credit report that is not only reporting a past due balance of {$1400.00} but is also listed as charged off and reports as such every month. As you know according the FCRA a charged off account can not list a past due balance. i HAVE SENT SEVERAL DEBT VALIDATION LETTERS TO EQUIFAX REQUESTING THEM SHOW ME PROOF THAT THEY HAVE THOROUGHLY INVESTIGATED this matter and they always ask for more information. This seems like a stall tactic to not fully verify the validity of this account. which still remains on my report. Please review this matter and have EQUIFAX delete this account please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to comply with section 605b of the FCRA when notified that information on my report is the result of identity theft. They have repeatedly been provided a copy of my FTC Identity Theft report along with the other documentation they require to be sent with a consumers block requests, but rather than block the information on my report, they open a dispute with out my consent and ask the furnisher to verify the debt. They do not inform the furnisher that the information has been reported as resulting in identity theft and so the furnishers dont respond to the dispute accurately. Experian has now blocked me from accessing the results of the disputes theyve opened and will not allow me to open a new dispute myself. Calls to the company have only resulted in hundreds of hours of frustration and false information being provided to me.
Product: Credit card or prepaid card

I was given this gift card for helping a friend make a marketing video for her business. I have attempted to register the card multiple times and it seems to be impossible. Their website ( https : //www.giftcardmall.com/ ) doesn't allow registration and the phone number on the card ( XXXX ) simply refers you to the website. 

I checked the ratings for this company and they appear to be a scam. 

Blackhawk Network ATTN : Customer Service XXXX XXXX XXXX XXXX . XXXX XXXX, NV XXXX Issuing Statement for Card : The Visa Gift Card is issued by XXXX, XXXX, Member FDIC or XXXX XXXX, XXXX, XXXX XXXX, MN XXXX, Member FDIC, pursuant to a license from Visa XXXX XXXX. Please see back of card for Issuer. Your card may be used in the United States everywhere Visa debit cards are accepted. The card may not be used at any merchant, including Internet and mail or telephone order merchants, outside of the U.S. or the District of Columbia. See Cardholder Agreement for complete details. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement. Distributed and serviced by Blackhawk Network California , Inc. 

2020 Blackhawk Network , Inc. All rights reserved. Trademarks shown are property of their respective owners and used with permission.
Product: Debt collection

This account was deleted from both XXXX in 2014 but this company has re entered the account through XXXX although they are aware that It does not belong to me. Please see the attached which shows the removed item listed on the documents received XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 I went to XXXX XXXX to look at cars. The salesman stated that we could go ahead and get the paperwork filled out Incase I found a car that I wanted to purchase but that it would NOT be ran through my credit if I did not find a car that I liked and wanted to purchase. I did not end up finding a car through them or purchase a car through them but they ran my credit anyways without me saying they could.
Product: Credit reporting or other personal consumer reports

Just received a phone call supposedly from Chase stating that someone opened a credit card and made a purchase of XXXX dollars in my name. I do not use chase never have and never will. They told me that my social was used in three different states, Florida, North Carolina and California. The guy on the XXXX asked me for the other XXXX I had and told me I am protected. So am I protected most of my accounts are closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that the companies below are illegally reporting inaccurate, noncompliant, and false information about me. 

Account name : XXXX XXXX XXXX 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 Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : CHILD SUPPORT ENF AG/NC. Account Number : XXXX the above-listed companies have violated my rights. i have no contracts with the following nor have I entered into an agreement with these entities. 
This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.

I request these accounts be removed from my consumer report, 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 XXXX XXXX, XXXX # 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 an 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

United Auto Credit is refusing to Validate this debt as being mine. I have successfully challenged this account for reporting to the Credit Reporting Agencies false, erroneous, inaccurate, and misleading unverifiable info.This account was removed from my credit report, and subsequently re-incerted, in violation of FCRA and FDCPA, without the perquisite 5 day notice being mailed to me. 
I have requested proof of this alleged debt several times, to no avail. I am entitled to have the Original Instrument of Indebtedness bearing my signature, I, m entitled to Calculations of Deficiency Amount including fees and interest, and all of the mandatory notices associated with this collateral ie.. 
*NOTICE OF SALE *RIGHT OF REINSTATEMENT NOTICE *POST SALE NOTICE *ACCOUNTING OF SURPLUS NOTICE *RIGHT OF DEFAULT NOTICE DISPOSITION OF COLLATERAL NOTICE just to name a few things that this company is refusing to provide me with in order for me to Validate their claim that I owe them.
Product: Credit reporting or other personal consumer reports

RECENTLY REVIEWED CREDIT REPORT XX/XX/year> AND NOTICED SEVERAL INACCURACIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the Accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so these matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX