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

I have an account that had the identity verified and received a payment to said account in the amount of {$1100.00} on XXXX. I chose to use Venmo specifically because it was verified in order to prevent any account suspension. 

The payment is from someone I personally know, XXXX XXXX, who is a XXXX XXXX XXXX XXXX XXXX, and we were friends on Venmo. I speak to him almost daily. 

I attempted to do an instant transfer and this was not allowed, so I did a bank transfer for {$550.00}. These transfers take 1-3 business days, and this was a XXXX  so I used the account throughout the weekend via XXXX  and XXXX  in order to have food. 

The transfer was blocked this morning XX/XX/12, and I was asked to verify my identity. I sent in the documents and reached out to ask if they could be looked at, especially as I was already verified and should not have had an issue. I sent in ID & my bank statement, just to be thorough. In looking through similar issues online, there are a lot of people that seem to have their account frozen and were not able to access their money ever. For me, I live check to check, so this was dog eared for basic/fundamental needs of groceries I was already stretched thin on, bills I have to pay in order to do my job, and transportation. I have been told there's nothing that can be done to look at it, the department that can work it is not accessible, and given no actual descriptor of what activity appeared fraudulent. I haven't received any update, there was no notification my information was even received, and I'm concerned I'll either live in this purgatory of losing what is now {$920.00} sitting in frozen funds or I'll have it unfrozen and try to use the service exactly as it's described to work and then have it happen again. 

I followed all the processes as required before receiving the money, and after having my account suspended. I am scared I will lose this, and I literally do not have access to food because of it/until it is resolved.
Product: Debt collection

Conns Applicances keep calling this business phone XXXX XXXX trying to get into contact with an employee who is no longer with us but they constantly harass us with calls XXXX times a day. We ca n't run our business properly if they are constantly calling. It 's become a harassment at this point and we just want it to stop.
Product: Vehicle loan or lease

I co-signed a lease for a XXXX XXXX for my son who is XXXX XXXX military. XXXX years later, while my son was driving, the vehicles brakes malfunctioned which caused a total loss to the vehicle. GM financial leasing accepted payment of {$14000.00} as of XX/XX/XXXX and agreed to release lien and title. On XX/XX/XXXX I received a call from GM Financial Leasing attempting to extort monies for the vehicle claiming the mileage was over allowed mileage at XXXX. GM Financial then immediately reported to the credit bureau that I was XXXX days late on payments and I owed them in excess of $ XXXX for the totaled vehicle. This information is incorrect and I sent proof that the actual mileage on the vehicle was XXXX which is well below the allowance. GM has not resolved this issue or made a correction to my credit report. I am requesting that my credit be restored and that GM stop their malicious extortion attempts to collect for a vehicle for which they were already paid.
Product: Debt collection

When XXXX disrupted our nation, I could no longer afford to make monthly payments to XXXX XXXX XXXX. So, I had to voluntarily surrender the vehicle ; after the loss of my job. I never received a letter of Explanation Of Calculation of Surplus or Deficiency until XX/XX/2022. All this time, since XX/XX/2022 ; US Auto Credit has been reporting negatively to the credit bureaus the wrong amount after the credit sale of the vehicle. 

I submitted disputes to all credit bureaus regarding this very issue. US Auto Credit has been charging interest since the credit sale of the vehicle. 

I only surrendered the vehicle due to the pandemic that swept the entire world, this was indicated as a national natural disaster. US Auto Credit with regard to furnishing incorrect information to the credit bureaus, is in error, and have violated my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

18 U.S.C 8 : The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

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 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 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.

15 U.S.C 1666a : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S.C 6801a : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S.C 6802a : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S.C 6802b : Opt Out
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Follow-Up on Complaint Regarding Failure of Creditor to Provide Requested Documentation Complaint Number : XXXX Dear XXXX, I am writing to follow up on my previous complaint, referenced above, which was submitted to the CFPB regarding the inaccurate reporting of a charged-off business accounts by XXXX XXXXXXXX XXXX XXXX XXXX. The creditor has failed to provide the requested documentation proving my authorization for the debt and the transfer of my personal information to a third-party debt collector. Additionally, I requested that they issue a Form 1099-C to confirm whether the debt has been forgiven or canceled.

As of the date of this letter, I have not received the necessary documentation or a substantive response from XXXX XXXXXXXX XXXX XXXX XXXXXXXX, despite multiple requests. I have also requested the following : 1. The original signed contract or application for the account.

2. Documentation proving my personal liability for the debt.

3. Proof of my authorization to share or transfer my personal information to a third-party debt collector.

4. Issuance of a Form 1099-C if the debt has been canceled.

These requests were made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). However, XXXX XXXX XXXX XXXX has failed to provide the requested documentation or a formal response. But continue to validate that they are reporting it accurate to Experian per my dispute results from Experian. 
I am asking the CFPB to assist in ensuring that the creditor complies with the legal obligations set forth by the FCRA and FDCPA, specifically : 15 U.S.C. 1681i : Verification of disputed information and removal if it can not be validated.

15 U.S.C. 1692c ( b ) : Restricting the transfer of my personal information to third-party debt collectors without my consent.
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 : ACCOUNTS : 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 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 CREDIT BUREAU 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: Credit reporting, credit repair services, or other personal consumer reports

Below is overall summary of the event which I have sent in an email to the executives of M & T bank as well as the board members : To Whom It May Concern : This communication is a desperate final measure to resolve a time sensitive issue. M & T Bank has reported three late payments on my credit history in error, which is subsequently impacting my pending mortgage approval to buy my first home with my XXXX  fianc. 
In XX/XX/2018 I moved from XXXX XXXX Pennsylvania to XXXX. Upon moving, I submitted my change of address to M & T Bank in person at XXXX XXXX XXXX, XXXX XXXX, PA XXXX. In XX/XX/2018 I lost my credit card, reported it missing the next day, and requested that a replacement be mailed to me on the recorded customer service line. After two weeks passed without receiving my card, I called again and was advised that a charge of {$25.00} would appear on my card for the expediting a second replacement, but would return as a credit since the error was made on M & Ts behalf. The {$25.00} charge was placed on my card, never reimbursed, and I never received the card. After 3 days passed, I called the M & T customer service line to inquire about its whereabouts and was told that it had been delivered. I was informed yet again that I would be charged a {$25.00} expedition fee, but would be reimbursed for M & Ts mistake. The card never arrived at XXXX XXXX XXXX, XXXX PA XXXX. After 3 more business days passed, I called a fourth time and finally discovered that my change of address was entered into the system incorrectly by an employee at the aforementioned XXXX XXXX XXXX as XXXX XXXX XXXX which does not exist, causing my card to default back to my previous address, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. 
I was instructed to go into a branch in person to correct this error, receive a refund for the multiple expedition fees, and to finally obtain my replacement credit card which I had been without for over a month at this point. When I did so, the branch manager would not help me and I was directed back to the customer service line. 
Ultimately, my decade long tenure as a client with M & T Bank came to an end as every employee I spoke to both over the phone and in person refused to help me. I switched banks and gave up the fight over the {$50.00} not knowing that M & T Bank had submitted 3 separate past due claims for my remaining balance of {$8.00} during the time this went unresolved despite being owed more than my remaining balance by M & T. 
Now, as I am attempting to purchase my first home, I am discovering that M & Ts error is reducing my credit score by roughly 50 points and negatively impacting my mortgage rate. It is my hope that you are able to bring this to a quick resolution rather than have this drag on for months, as it would prevent further unnecessary use of time and resources for all parties. My next steps will involve the Consumer Financial Protection Bureau. 

Respectfully, XXXX XXXX
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 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

Since The company states they didnt receive an email I have attached it. 


Also here is the email they claimed I never sent. 

AccountNumber=XXXX AccountNumber=XXXX This company I have no knowledge of is reporting and brought my PII illegally. I have no knowledge of this debt or company. This company 15 U.S. Code 6821 - Privacy protection for customer information of financial institutions.

15 U.S. Code 6801 - Protection of nonpublic personal information.

15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1681b - Permissible purposes of consumer reports For each violation its 1,000 in court. Plus more in damages. Please stop reporting of this fraud debt. Or I will pursue in federal court for violations, personal injuries, defamation. Please cease and desist this tradeline from my consumer report.

AccountNumber=XXXX Delete tradeline now due to fraud or provide me with a point of contact of your legal team.
Product: Credit reporting or other personal consumer reports

Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX, Phone : ( XXXX ) XXXX, Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) reported accounts with company.

15 U.S. C1681 Section 602 A States I have the right to privacy.

15 U.S, C 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish account without my written instructions.

15 U.S. C 1681c ( a ) ( 5 ) 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shill not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX  I sent a dispute letter challenging the XXXX of account # XXXX. From Company NATL Recover Agency. I asked them to send me substantial evidence of appearance of this account on my consumer report. I sent this letter certified mail to assure it would arrive to this company. NATL did not respond to my concern and has left me to seek more assistance. The laws by FCRA is 30-45 days. It has been well over the given time frame and i have yet to receive a response. I ask this account to be removed from my file as it has not been proven it indeed belongs to me. 

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

In accordance with the Fair Credit Reporting act 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. 

I did not create the over the limit action on this credit card. It was created by the bank for finance charges and fees. If I had went over the limit on a purchase the charge would have been declined. Since I went over the limit due to the banks fees and interest it goes through and I'm reported for it. That action is completely unfair and is a violation of consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed a complaint against XXXX XXXX. This is a debit buyer and you closed the account on this.The card is comenity XXXXXXXX XXXX in which they are Reporting the same on my credit as XXXX  are doing also in which this is against federal law and FDCA I have Called both neither will remove. 
2 parties can not report the same debit. 
And XXXX showed a spread sheet they didn't provide a contract with my signature.
Product: Mortgage

1.

1st compliant was sent XX/XX/XXXX saying investor / servicing company refused to process or look at applications based off emails from representative of Servicing Company on XX/XX/XXXX. 
2. The reponse on XX/XX/XXXX from servicing company stated a letter was sent of denial do to debt to income ratio on XX/XX/XXXX but doesn't state which modification the denial is referring to. There where several attempts to modify loan dating back as early as XXXX but the most recent application as a significant change in circumstance. 
3. A 2nd complaint was done XX/XX/XXXX stating the response was unclear, vague & contradictory to emails from representative so we needed a more detail look at the numbers used and requested more documentation and an explanation of why representative is stating application wouldn't be looked at yet suddenly a denial letter was produced after requesting something in writing. 
4. On XX/XX/XXXX a response was given by company & now stating the borrower was notified that a down payment for the past amount was offered & borrower refused to pay. The letter provided by the servicer in last reponse stated specifically the file was denied for debt to income ratio. It was never stated as a option that the borrower pay a down payment of any kind. 

We request a full investigation or this matter internally as we do intend to proceed with assisting to protect all the rights given to borrower under Consumer laws dealing with mortgages, modifications, and homeowners rights, We are requesting a true and factual letter stating the details of this alleged offering to borrower to pay a down payment. We ask these documents as proof that this was actual offered to borrower and proof that borrower actually refused to pay this alleged amount.
Product: Debt collection

Unknown account listed against my personal credit file, validation was requested and also a dispute was filed. Please help assist.
Product: Debt collection

I went to use my debt card Saturday XX/XX/XXXX it was declined I called the bank to figure out why and learn I had a garnishment and my account was frozen the bank gave me a number to call, I called to see what was going on to learn that I had been sued by XXXXXXXX XXXX XXXX in Ohio a state I haven't lived in for 15 years and was sending all correspondence to a 15 year old address in Ohio instead of my address on file with the original creditor. The " attorney '' I spoke with was completely unprofessional and refused to give me any information saying it was all confidential even though the suit was against me and refused to release my account even though they illegally sued me in another state and i never received any correspondence of said suit or debt collection and the disclosed my information of my debt to an unknown individual. I had to get in contact with the original creditor to explain the situation whom then contacted XXXX XXXX XXXX to file a motion to vacate and release my account because the address they used was not one in my file or the state I live in. XXXXXXXX XXXX XXXX  are practicing illegal tactics to not notify the parties with malicious intent for parties to not show up to court. If this happened to me, how many other people has it happened to? I believe XXXXXXXX XXXX XXXX need to be investigated. My rights were violated.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I contacted TransUnion LLC to report inaccuracies in my personal information on my Consumer Report, specifically the incorrect spelling of my name and unassociated addresses. I requested documentation confirming the deletions once they were completed, but TransUnion never responded. In XX/XX/XXXX, I called the TransUnion call center and spoke with a representative who assured me that the additional names and addresses had been removed and that a new report reflecting the deletions would be sent to me, which I never received. In XX/XX/XXXX, I contacted the call center again, and the representative confirmed that only my correct name, mailing address and physical address was listed. He stated that if the incorrect information still appeared on my report, a tech ticket must be submitted to resolve the issue and that he was submitting that ticket. As of today, XX/XX/XXXX, my credit report continues to display incorrect names and addresses with which I have no association.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe : {$58000.00}