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

I hosted a retirement dinner a few weeks ago and colleagues sent me money via Venmo to help cover the cost. I tried to add a bank account to transfer the money into & Venmo couldn't connect to that account. So, I added my other checking account and Venmo validated that one electronically. On XX/XX/XXXX, I received an email from Venmo saying that my bank account was verified. It also said " You can now transfer money to this bank account ''. And yet the website says that my account has been suspended and I can't access my funds. 

Now, I'm being told that my account is suspended and that to access my funds, I have to send them a photocopy of my driver 's license and a copy of a statement from the first bank account. So, basically all the info someone might need to steal an identity. It's one thing to use an automated process to verify a bank account. It's quite another to send someone a picture of your driver 's license. 

I called them and was told that they don't require this of every user, so if they're asking it of me it is for a security concern. And yet they can't tell me what the exact security concern is. Oh, and the department that deals with security and fraud will only communicate via email. And you never correspond with the same person twice, so there is no chance of having a real conversation. All you get are copied and pasted responses. 

Also - the website says that I should check my email for more information regarding the account suspension. The lady I spoke with said the same thing. But I never received an email from Venmo telling me the account was suspended. I didn't get any communication from them at all until I reached out. ( And, yes, I checked my spam folder. ) They told me in writing that I had a verified bank account that I could transfer funds in to and now they won't let me access those funds. And they are asking for extremely sensitive personal information. 

I noticed that Paypal ( who owns Venmo ) settled a lawsuit with them in XXXX due to privacy violations and lack of transparency with their users. Guess that lawsuit didn't teach Venmo anything.
Product: Credit reporting or other personal consumer reports

I recently discovered several unauthorized accounts on my credit report, suggesting possible identity theft, as I never approved these accounts. I previously reported this issue and now formally request their immediate removal. These inaccuracies are causing significant distress, as they do not accurately reflect my credit history or financial responsibility. Resolving this matter has been difficult, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These errors are severely affecting my ability to achieve important financial goals, such as buying a home and providing for my family. I urge you to address this issue without delay.
Product: Debt collection

Attempts based on fraudulent and false information by XXXX XXXX XXXX XXXX XXXX XXXX, respectively are being made thru court filings thru XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX false claims of said individual ( XXXX XXXX XXXX not having a lease agmt, which was proven false. As ALL LEASE AGMTS ARE DONE USING AN ELECTRONIC E- LEASING SYSTEM, IN WHICH A COPY OF LEASE AGMT ( S ) CAN NOT BE REVIEWED AND READ FIRST+!!!. BEFORE APPLICANT/RESIDENT CAN FIRST READ, REVIEW OR PRINT A COPY.OF LEASE AGMT.THE WAY THIS VERY E-LEASING SYSTEM IS SET UP, FROM.THE AFOREMENTIONED PROPERTY MGMTS FULLY AWARE OF PERSON ( GILBERT.CRAMPTON ) VACATING AND TURNING KEYS IN BY THE REQD TIME OF XXXX, PAPERS WERE STILL.FILED AGAINST HIM.IN AN ATTEMPT TO COLLECT RENT, WITH FULL.KNOWLEDGE OF THIS PERSON NOT LIVING THERE. BUT RESIDENT XXXX XXXX WHO PROPERTY MGMT CO ARE FALSELY CLAIMING NOT TO HAVE A LEASE.AGMT./THEREFORE NOT CONDIDERED.A RESIDENT, EVEN THOUGH SHE RESIDED I N UNIT FOR 1 YR. WHILE LANDMARK PROPERTIES CONTINUED TO RECEIVE MONIES FR. A PERSON THEY FALSELY CLAIM.TO NOT HAVE A LEASE AGMT., WHILE TRYING TO FRAUDULENTLY ATTEMPTING TO FILE FOR BACK RENT THRU FALSE COURT FILINGS FOR JUDGEMENT FOR BACK RENT NOT OWED AND CAN BE PROOVEN SO.
Product: Credit reporting or other personal consumer reports

I dispute an accurate at the beginning of the month and sent letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request several credit inquiries that were unauthorized be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of multiple inquiries that I did not authorize. They are as follows : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX T XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX -XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XXXX   XX/XX/XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. I would appreciate a copy of my credit report once the inaccuracies are removed. 

Thank you for your consideration in this matter. Should you need to contact me, my email address is XXXX Sincerely, XXXX XXXX
Product: Debt collection

I noticed a negative reporting accounts on my credit reports. XX/XX/year>, 30 days ago I sent a certified mail disputing the accounts. I have no heard back from any of the parties mentioned. 

I am writing to get compensation for this company XXXX XXXX and Lockhart , Morris & Mont for breaking the law and getting me denied when applying for credit due to their false reporting information. 

FDCPA XXXX. Validation of debts & FCRA Under 15 U.S. Code 1692k - Civil liability, FCRA 15 USC 1692g : Validation of debts 15 U.S. Code 1692e - False or misleading representations also XXXX, XXXX and XXXX for not responding to my disputes in 30 days. According to the FCRA they have 30 days to verify and provide accurate information on my report. Also to provide whom they spoke to and " verified '' this false collection / charge off on my credit reports also want to sue for damages caused when applying for credit during the last 30 days. 

Under 15 U.S.C. 1681 also have not validated 15 USC 1692g : Validation of debts I am owed in damages and need to have the negative items removed asap. 

Also XXXX XXXX and XXXX failed to mark
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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

I have been disputing this XXXX account because it is not me the address they have does not match mines. I also disputed comenity bank/victoria secret and merchant credit guide. It is in violation of the 15 U.S.C 1681G Law this is not verified.
Product: Credit card or prepaid card

Date : Sun XX/XX/2018 Amount : {$170.00} Company : Discover There was a transaction about XXXX and I filed a dispute about the incorrect charge. After receiving the dispute, XXXX rightly cancelled my hotel reservation without notifying me about anything. I contacted Discover to increase the dispute amount and hope to get the entire charge back since the transaction is no longer valid. 
However, Discover refused and kicked the ball to XXXX. Discover customer service said, " you can only dispute once. There is nothing we can change and do to help you. ''
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of disputed outcomes These failures align with my experience where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I'm requesting immediate corrective action to remove or amend the disputed accounts Experian inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT BUREAUS REFUSING TO DELETE UNAUTHORIZED FRAUD ACCOUNTS FROM MY CREDIT FILE. THEY ARE INDICATING THEY CONTACTED CREDITOR AND I CONTACTED CREDITORS AND THEY INDICATE THEY NEVER SPEAK TO BUREAUS ON COMSUMER FILES. THEY ARE UPDATING INFORMATION IN=STEAD OF REMOVING ACCORDINGLY.
Product: Credit reporting or other personal consumer reports

I have reached out to Transunion on more that one occasion to request a report and to inform them that they have continued to report incorrect information on my consumer report for over 5 years. I have been negatively affected by the companies actions. I am currently unable to get a free credit report due to incorrect information being report on my file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated myfederally 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, has violated my rights. 

15 U.S.C. 1681 section 602 A. States i have the right to privacy 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.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

I had moved out and cancelled XXXX home internet service. Months later i find out i was sent to collections for not paying the bill at a place i did not live at after moving out. 

Also there was a previous case of this debt being reported by another company and that was resolved earlier on XX/XX/2018 cfpb Case # XXXX
Product: Credit reporting or other personal consumer reports

AS I WAS ON VACATION IN 2021, MY WALLET WAS STOLEN AFTER THE PANDEMIC. THERE ARE ACCOUNTS ON MY FILE THAT WERE NOT AUTHORIZED BY ME. MAJORITY OF MY INFORMATION WAS UTILIZED ON THE XXXX WEB. I HAVE REPORTED ALL OF THESE ISSUES TO ALL THREE BUREAUS, XXXX, XXXX AND TRANSUNION WITH VALID FTC REPORT AND POLICE REPORT.
Product: Debt collection

Conns Credit Company is reporting my account current as a victim of a natural disaster so they can continue to add charges, fees, late fees, etc., to the account to make the balance higher as they know once it is charged off for collections they cant add to the amount. I am NOT a victim of a natural disaster. I am a victim of credit card fraud recently : last week : but thats it. I also know for a fact they are doing the same thing to my husbands Conns account. 

They are very untrustworthy and I dont know how many other people they are doing this same trick to as to drive the amount owed to them higher and higher before charging it off. They also reported my husbands account as a victim of natural disaster and brought his account current as well while they continue to add to the amount owed.
Product: Credit card

I have never received any credit card from Citi Costco. When I applied loan for mortgage, I found I have late payment. I called citi credit card without even knowing my credit card number. The address and phone number associated with the account is not correct. I never received any statement from Citi. I was told there was {$50.00} balance from previouse XXXX card with Costco, and the balance transferred to Citi. I did not even know this. I was charged over {$100.00} late pay and interest. I made full payment immediately and request to close my account. I request a letter from Citi to explain the situation that I have never received any paper statement or even the credit card because the address is not correct so that i can submit a dispute to credit beureau to correct my credit score. I was told by Citi credit card they could not do anything. they were very rude and did not help.
Product: Debt collection

My XXXX Credit report states that I have a debt collection that was paid for by my insurance that I had when I was working. I had a XXXX in XX/XX/XXXX. My insurance paid these claims, and I became homeless in XXXX XXXX until XXXX XXXX. I could no longer pay rent and lost my home. I no longer have the paperwork that provides the proof that this debt was paid, because I was living out of my car. I no longer have any vehicle, I am XXXX and I have no way of providing the proof.
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus are reporting inaccurate information by XXXX. I went to court against XXXX, and XXXX could not validate the debt. I sent all XXXX credit bureaus the court document and the emailed me and said that XXXX said the debt is accurate. I asked all XXXX credit bureaus how did they investigate the dispute, they said they send a kettle and XXXX sends back an automatic response and thats how they know its accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted XXXX XXXX XXXX AND EXPERIAN Via expedited mail I have mailed in police report that affidavit etc. even proof of address XXXX XXXX XXXX AND EXPERIAN failed to protect my consumer rights as well as reporting fraudulent accounts below XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent collection on my Personal credit report ( XXXX XXXX XXXX XXXX ) which is a violation of consumer rights they also had violated section XXXX of the fair credit reporting act XXXX DID NOT INVESTIGATE properly NOR SEND ME PROOF AS TO How this collection account is mine THESE COMPANIES ARE AWARE OF MY IDENTITY THEFT AND FAILED TO REMOVE THE ACCOUNTS! 

XXXX XXXX XXXX are in violation of the fair debt reporting act National credit systems also have my police report etc. and did not provide me with proof of anything do therefore Im suing all companies in federal court as of XX/XX/2022
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  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 of 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

I had an open account with Carcredit / Synchrony Bank which was closed on XX/XX/XXXX due to inactivity and at that time Synchrony Bank reported the closure to XXXX credit bureau. I am in total agreement with the closure and the credit reporting, my complaint is that Synchrony Bank continues to report the same information over and over. Synchrony Bank has sent out a total of five reports  on the same issue, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I have contacted Synchrony customer service twice and all they can tell me is they will look into the matter and respond by ail in thirty days.I called on XX/XX/XXXX & XX/XX/XXXX and yet they still continue to send the same report to the credit bureau. 
This needs to stop immediately, I have worked long and hard to get my credit score up to XXXX and I don't need Synchrony Bank to destroy all my hard work.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern/ XXXX XXXX ( CEO and President ) I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

CHASE- XXXX XXXX ACC # XXXX Reason : Identity Theft I am hereby notifying that you are inaccurately and falsely reporting the above account which constitutes violations of the Act and of my demand that you remedy such violation within five ( 04 ) calendar days from your receipt of this complaint. This account has been previously been disputed and you did not deleted required under FCRA. You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623,  Responsibilities of Furnishers of Information, and for which you are responsible. 

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : -Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX v Chase Manhattan , 2002 provides a cause of action for individuals against furnishers of information. 

I would prefer not to use the courts to resolve this matter.
Product: Credit card or prepaid card

I started receiving emails from CHIME on XX/XX/2021 saying Welcome to Chime. Evidently I had been approved for some type of credit card, its called a XXXX debit card. I kept getting emails daily. I NEVER APPLIED FOR A CHIME CARD. I NEVER HEARD OF IT. Then, I received the card in the mail. I opened the card and it looked legitimate. BUT I DID NOT APPLY FOR THE CARD. I called to find out what was wrong, and it would not accept the last four digits of my social and card number to ask questions/or activate. I spoke to a customer service rep. that opened the file with my social, and address and said I had an approved card. I told them I did not apply for a CHIME card. I canceled the card. I need to make sure CHIME is not on my credit report. I also want to report them to make sure this does not happen to anyone else.
Product: Debt collection

IN ABOUT XX/XX/XXXX-XX/XX/2017 XXXX REPORTED A REPOSSESSION TO MY CREDIT WHEN MY BANK ACCOUNT WAS FROZEN FOR A 2 MONTH PERIOD OF TIME DUE TO IDENTITY THEFT. 
THE ACCOUNT ON XXXX WAS PAID AND THEN WRITTEN OFF BY THE COMPANY. THE ACCOUNT SHOULD NO LONGER SHOW ON MY ACCOUNT AND SHOULD BE REMOVED AS IT WAS TAKEN CARE OF.
Product: Debt collection

ALREADY ENTERED INTO A PAYMENT AGREEMENT hello, My name is XXXX XXXX and I am writing because I was recently made aware that you have submitted my name and address to the CRA 's in regards to a debit of : {$140.00}. I recently, about a month ago, contacted your company in regards to not having this item listed on my credit reports, and entered into an agreement to pay off the debt within 6 months with my credit card. Your company has since lied to me about this not being reported. I DEMAND that this entry be stricken from all the CRA records IMMEDIATELY or you can CANCEL the payment arrangement. If any payments hit my credit card, and you have not requested your trade-line removed from all XXXX agencies, I will report the payment as fraud! THIS IS NOTICE TO REMOVE THE TRADE-LINES OR CANCEL ANY AND ALL PAYMENT ARRANGEMENTS!
Product: Credit card or prepaid card

I signed up for a credit card from Bank of America in large part because of a promotional offer of  XXXX  points after spending {$3000.00} in the first 90 days. My first statement from the card indicated a starting date of  XXXX   XXXX . On  XXXX   XXXX  ( i.e. 87 days late r ), I  called Bank of America regarding a missing transaction that would have put me well over the {$3000.00} limit. I was informed that BoA had started their 90 day calculation weeks before I had even received the card, and the starting date listed on my first statement was essentially meaningless.   Customer service agents were unwilling to offer any kind of compromise and said that I would be unable to receive the  XXXX  bonus points ( worth up to {$1000.00}! ) regardless of my spending. At no point during my relationship with BoA was I informed of a starting date for the 90 day peri od ( o ther than the beginning of my first statement, which led me to believe the starting date was  XXXX   XXXX , as described above ).