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

In correspondence dated XXXX XXXX, 2017, I mailed this credit repository my request for a dispute, as my credit report contained an erroneous entry. Now that over 30 days have passed I have found this company barely investigated the item and my report is still largely incorrect. In addition, when I reached out the data furnishers to request for validation documents, I did not receive anything to validate the entry. Instead, they requested me to fill up a form and send additional information. From what I read online, FDCPA requires collection companies to provide proof/validation documents upon consumer 's request within 30 days. Another thing that I do not understand is XXXX REMOVED this invalid entry from my report. My credit has been damaged due to this incompetence, negligence and none compliance.
Product: Money transfer, virtual currency, or money service

On about XX/XX/XXXX I established a Venmo account and included my local bank account number to transfer ( send to ) and receive funds from friends. I used the Venmo account XXXX times to send and receive funds. The last time I used the account was on XX/XX/XXXX. On that date I had requested {$490.00} from a friend for travel expenses. The Venmo app documents that my friend transferred the funds. I then transferred the funds to my local bank account. Subsequently, I checked my bank account and found that none of my transactions using the Venmo account were showing on my bank account. After further search on the Venmo app the account that was listed was an account titled " XXXX XXXX XXXX. '' That is, all of my transaction were being managed by a bank account that is not mine. I have never had a XXXX XXXX bank account. 
Thinking I might get some information re my problem, I called XXXX XXXX bank and gave them my social security number the the last XXXX digits of the account listed on my Venmo app, " XXXX '' Of course, XXXX XXXX could not help. I then called Venmo and lodged a complaint. In one business day I received an email from Venmo denying any resolution to my complaint/problem. The total loss to me, {$1900.00}, is not significant, but I still would like a refund or an adequate resolution. Curiously funds that I transferred to friends also never " hit '' my local bank account, but were also listed as coming from the XXXX XXXX account. Funds that should have transferred to me totaled {$2200.00} and funds coming from me totaled {$290.00}. This results, as above, a loss of {$1900.00}. 
Thanks for you kind attention to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOLDMAN SACHS ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 
XX/XX/XXXX - XX/XX/XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 


XXXX  ACCOUNT XXXX XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY.
Product: Credit reporting or other personal consumer reports

So basically what happened as I got charged on a credit card that got sent to somewhere else not my even address and they charge the card up and then when I contacted the company they kept throwing me off asking me about they said that they would take the charge off and then they never did or that they had proof that I made these charges but I never did to make it, realize that the company is part of it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX ) XX/XX/15 appears on my credit as a negative item. Back at the time this account was opened, I do not recall ever being late and somehow I was pushed into paying the balance. It was paid and never was taken off of my credit or updated with positive status. This negative reporting is hurting my score and I know I wasn't late or owed .... Please have them remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that the account below is not displaying accurately. 

I'm requesting the following accounts be verified properly or deleted immediately, because the account type, date opened, status date, balance updated, creditor phone number and addresses are inaccurately reporting on my credit profile. I sent multiple letters over the course of 1 year requesting the details below. My Last letter was sent off on XX/XX/2022. I was asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX ( TRANSUNION ) has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights 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.
Product: Credit reporting

EXPERIAN AND XXXX LOAN NO.XXXX WAS UNLAWFULLY RE-INSERTED ON MY CREDIT REPORT WITH 5 DAY NOTICE TO CONSUMER IN VIOLATION OF F.C.R.A.. I MUST PAY FINE OF {$1500.00} IN DAMAGES.
Product: Mortgage

Yes, good evening my name is XXXX XXXX I have with Phh mortgage company, I was approved for a loan modification only to find out I have been SCAMMED.XXXX dollars which was the new modification from XXXX to XXXX of XXXX so if I can get some help I would appreciate it Thanks, XXXX XXXX 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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, 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, XXXXXXXX  XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediatelyunder 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX  Delete this immediately
Product: Checking or savings account

XXXX XXXX  personal savings account. Opened approximately XXXX  year ago. 
On XX/XX/year>, noticed an unauthorized transaction withdrawn from account on a routine check of my account ( no notification from bank ). Amount of {$72000.00} was transferred to XXXX XXXX XXXX  account, without my authorization. Bank not recognized. Account belongs only to me, with no other persons having access, passwords not shared with anyone. 
XXXX XXXX XXXX department notified and report created. I was told the account would now be on hold to prevent any further transactions. 
On XX/XX/year>, noticed on banking app that additional unauthorized transactions were conducted to account from XXXX bank, in amount of {$0.00}, {$0.00}, and {$0.00}. Fraudulent activity continues to account with no help from XXXX.
Product: Checking or savings account

On XX/XX/year>, I deposited {$230.00} into a XXXX XXXX ATM using my Cashapp card. I was able to put the money in the machine, but it declined transaction and gave me a receipt saying " We encountered a problem returning your cash ''. I called both places multiple times and they would not help me get my money back. Cashapp said there is no record of this transaction. XXXX XXXX advised to call Cashapp. No one is helping me get my cash returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

( XXXX ) INITIALS : 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: Mortgage

loan XXXX I've had my home 17 years The loan recently is serviced by Loan Care I received a debt validation letter dated XX/XX/2019 Loan Care does not want to honor
Product: Credit reporting or other personal consumer reports

Equifax sent me updated credit report stating that fraudulent inquiries had been deleted from my report, yet they still appear or were reinserted. Either way they are still on my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ). Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6500.00}, {$0.00}, {$16000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX data breach my information was leaked and there is some inaccuracies on my credit report which has never been resolved and has caused stress on my credit score and is causing financial strain on getting a job that required a background check
Product: Credit card or prepaid card

I had a Lowes credit card that was paid off as of XX/XX/2021, Someone fraudulently made many charges on the card after this time for amounts exceeding $ XXXX. I called the credit card company which is Syncrony and they said they have to send me 1 years worth of statements and then I can try and dispute the charges. the charges were in a state that I did not live in nor was I there at the time of the purchases, I have had identity theft which has affected other accounts as well. This is severely impacted my credit score. i need help fixing this. Please help. 

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

XXXX XXXX  ( XXXX ) Violated my rights for years, i didnt give any consent to anyone, never received validation request, severly inaccurate that by law must be removed.. 
Account ( XXXX ) soc sec administration.. 
Is also in violations of never giving me validation, on saying " verified '' wrongfull Investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an accountt with XXXX XXXX ( Formerly XXXX  ) multiple times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) in reference to late payments being reported.. XXXX  has payment status reporting for XXXX as XXXX not more than two payments past due '', XXXX as XXXX 30 days past due '', and Experian as XXXX paid account/was 30 days past due. XXXX has the close date as XX/XX/XXXX, XXXX as XX/XX/XXXX, and Experian does not have a close date reporting. Experian actual report has late payment reporting XX/XX/XXXX, XXXX 's report doesn't have nay payment history reporting, but is reporting a 30 day late payment, and XXXX 's report has late payment reporting as of XXXX XXXX XXXX. I have never been late on any payments, and I am not understanding why the bureaus are failing to investigate properly. Payments for this loan were due the XXXX of every month since the origination of the loan, which was XX/XX/XXXX, and I refinanced the vehicle with XXXX XXXX XXXX XXXX on XX/XX/XXXX. At the time that I refinanced the vehicle, there were no late payments reporting to my credit report. Then after I paid the vehicle off XXXX reported late payments. Please find attached how the account is reporting to my credit reports and my payment history/payment and notifications staring from XX/XX/XXXX to pay off of loan on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i'm a victim of identity fraud somebody used my information to obtain vehicle loans and open credit card accounts in my name. for example 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 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: Bank account or service

On XXXX/XXXX/15, I submitted a complaint letter to Suntrust Bank concerning incorrect information provided by XXXX as my credit data for consideration of a credit card offered by Suntrust. On XXXX/XXXX/15, I sent a letter to XXXX concerning the same above mentioned issue : reporting erroneous credit data on my behalf. I have attached copy of the letters mailed to both companies. To date, neither business has responded to my letters. Therefore, I am requesting your assistance with this matter. I am demanding a response to my inquiry from each business. I have attached a copy of the letters submitted to both SunTrust and XXXX. I also intend to file a complaint on those organizations with the respective XXXX and the Federal Trade Commission ( FTC ). 

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

I reviewed my Chex Systems Consumer Report ID : XXXX and there are numerous credit inquiries listed on my consumer report. All of the credit inquiries are fraudulent and unauthorized except one from XXXX XXXX, the rest of the credit inquiries listed on my Chex Systems Consumer Report are all fraudulent, unauthorized and not my credit inquiries. There should only be 1 credit inquiry on my consumer report, and thats XXXX XXXX. Furthermore, the negative checking account from XXXX XXXX  and XXXX is a fraudulent account and not my account. I am a victim of identity theft and has a current police report on file with Chex Systems.
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  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/XXXX 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

Please help me as I have tried numerous to ask for verification as when I went to school I had financial aid that paid XXXX %, now I am being harassed. I do not feel I owe this debt and think I am being taken advantage of and this company still will not send me detailed list of charges, what has been paid by the financial aid. I was told when I applied and got accepted Financial aid would pay everything.
Product: Credit reporting or other personal consumer reports

I recently just looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also have attached evidence ( The evidence is the letter & Report ). 

1. [ XXXX XXXX XXXXXXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

2. [ XXXX XXXX XXXX XXXX  XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

3. [ XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B.