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

On XX/XX/23, my friend sent me a Venmo of {$3000.00}. I received the amount & transferred to my bank account. Then a week later, his Venmo account was hacked & they placed a {$3000.00} hold on my account. We contacted Venmo & they told us that the case was under review. Then, a few weeks later we received an email that the case was resolved & the {$3000.00} was charged back to my friend. He called his bank & they told him the {$3000.00} charge was NOT charged back & it went through. Then, a few weeks after that, Venmo tried taking another {$3000.00} out of his account to pay back the charge. My account is still locked at Venmo & it says I owe them {$3000.00} in " debt ''. We have contacted Venmo multiple times & they keep telling us that they are not allowed to talk about the case, yet are actively trying to take money out of my friends account & keep mine locked, even though his bank told him the original {$3000.00} charge went through. I attached an image saying our case has been resolved & the chargeback complete, but my friend has NOT received his {$3000.00} back. So from our end of things, it looks like Venmo has the {$3000.00} & is trying to get more money from us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, and XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

XXXX/XXXX/2015 spoke with Quicken loans and provided my credit card number for a deposit for an appraisal. Locked rate good until XXXX/XXXX/2015. XXXX/XXXX/2015 credit card charged {$400.00}. XXXX/XXXX/2015 Appraisal ordered. Appt set with appraiser for XXXX/XXXX/2015. Appt with appraiser cancelled by Quicken x XXXX without notification to me or explanation. Appraiser informed me that XXXX asked her the following day on both occasions to rebid the appraisal. Difficulty obtaining information from XXXX on several occasions. Requested my money back. Deposit agreement states " If your application is denied or withdrawn, for any reason, we will refund your deposit, minus the actual cost of your appraisal and credit report ''. No appraisal has been performed. I 've requested XXXX times or more that my money be refunded and XXXX has not responded to my request or refunded my deposit money. Email from XXXX of Quicken Loans dated XXXX/XXXX/2015 XXXX XXXX quoted below, but I have yet to have my money refunded. I have been contacted by XXXX XXXX via phone XXXX and have returned her calls x 2 requesting my deposit money refunded but she has refused to respond to this request simply returning my calls and wanting to " explain '' but making no response to my request for why my deposit money has not been returned. Contact information : XXXX XXXX Solution Consultant, ( XXXX ) XXXX ext. XXXX. 
I am hopeful CFPB can assist in obtaining my deposit money. After reviewing other complaints on the internet since my fiasco, I have learned that this appears to be a common strategy for Quicken Loans to refuse to refund deposit money. 


" XXXX XXXXXX/XX/XXXX at XXXX XXXX ( ET ) Hello, I apologize for the frustration. The appraiser is still awaiting assignment, and we will not close by XX/XX/XXXX. I will contact our banker to get your refund, and have the loan canceled. 


Thank you, XXXX '' Thank you.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The information belongs to the ones who is reporting it because they are the ones selling all the information to anyone who buys. All the none trustworthy business/corruptions ; Equifax, Experian, Transunion, always blocking and delaying my calls, making it very inconvenient to access report on multiple occasions where calling to get help was impossible if you didn't pay the subscription for services over the years on and off, as I was seeking information about my credit, disputing inaccurate information but they kept on violating the Fair Credit Reporting Act. These company conducted superficial investigations into my disputes and allowed incorrect information to reappear in credit reports over past several years. This mishandling negatively impacted my financial well-being, mental health, it caused great insecurities, homelessness. I was denied a home loan from XXXX XXXX XXXX XXXX, I was denied car loans from several different lenders. I have suffered years upon year desputing the information. My Identity is compromised with wrong addresses, names spellings, phones numbers, and employers, the agengies have shared false and misleading and theft of information, student loans have been disputed several times and ask to remove due to outdated and readded of deleted defaulted loans. I never gave permission to put false information or to use my information against me. U.S. Dept Of Ed Misreporting and Privacy Violantions, reporting of old aged accounts, XXXX, XXXX. XXXX XXXX, XXXX all are inaccurate in fraud they had no right to report that. I have complained here before and they have already had a chance to correct errors and they said they did.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX XXXX ) as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the relentless attempts to remove the charge off account from my credit report. Despite several communications and efforts on my part to rectify the situation, the issue persists unresolved. This complaint serves as a formal notification of the ongoing problem and my expectation for a prompt resolution. 

I first became aware of the erroneous charge off account listed on my credit report. Subsequently, I diligently followed the proper procedures outlined by [ creditor/bank name ] to dispute and rectify the inaccurate information. However, despite providing all necessary documentation and evidence to support my case, the charge off account remains on my credit report. 

Furthermore, I have contacted your customer service department multiple times, spending significant time and effort to resolve this matter. Regrettably, each interaction has been met with promises of investigation and resolution, yet no tangible progress has been made. 

As a responsible consumer, I take great care in managing my finances and maintaining an accurate credit history. The presence of this erroneous charge off account not only tarnishes my creditworthiness but also undermines my efforts to secure favorable financial opportunities. 

I demand immediate action to rectify this issue and ensure the accurate reporting of my credit history. Specifically, I request : The removal of the charge off account from my credit report. 
Confirmation of the removal in writing, along with updated credit reports reflecting the correction. 
Compensation for any damages incurred as a result of the inaccurate reporting, including but not limited to, any adverse effects on my credit score and financial opportunities. 
Failure to address this matter promptly will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to seek redress. 

I trust that you understand the urgency and seriousness of this matter and that you will take immediate steps to resolve it satisfactorily. I am asking for your assisstance to remove this account in my credit file : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. Remove the accounts asap XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF ED/XXXX XXXX, U S DEPT OF ED/XXXX/XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I don't recognize these inquiries nor have I applied to them, these companies accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting Equifax and being assured that these inquiries would be removed, they still appear on my report. These unauthorized and fraudulent inquiries are causing me significant XXXX, as they may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.
Product: Credit reporting or other personal consumer reports

I noticed wrong addresses and phone numbers on my credit report. I also noticed an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX was opened in XX/XX/year> in collections was opened under fraud.
Product: Debt collection

In XXXX I filed a Chapter XXXX Bankruptcy XXXX has since then violated my Bankruptcy plan on my loan that was reaffirmed by the debtor with reaffirmations signed by the creditor and debtor and was part of my confirmed plan. XXXX has since the reaffirmation signing in XXXX placed forced placed insurance on the property creating a bill for the debtor in XXXX while the debtor was under a federal stay not disclosing this action to the debtor or petitioning the court to allow this bill in the debtors plan this as a violation of 524 injunction. After the case was closed in XXXX XXXX paid off the debtors tax contract on this property which was part of the debtors confirmed plan and then added that debt to a escrow payment created for the already illegal insurance this was also a 524 injunction. XXXX continued violating the plan by sending the debtor monthly bill statements with the discharged debt listed on the statements as still owed and in two payoff quotes. Seterus in the foreclosure case on my home listed the discharged debt as deferred debt owed in the case. XXXX has responded as follows : XXXX 2Day Delivery XX/XX/XXXX Loan numbers : XXXX, XXXX and XXXX Serviced by XXXX, XXXX Dear Mr. XXXX : On behalf of XXXX XXXX XXXX , I am responding to your correspondence submitted to the Consumer Financial Protection Bureau regarding the above-referenced loans. Please be advised that we have referred this matter to outside counsel. As such, we have provided a copy of your correspondence to the Consumer Financial Protection Bureau to our counsel, Manley Deas & Kochalski LLC for a response. Should you have questions or concerns you may contact Manley Deas & Kochalski LLC directly at XXXX. Sincerely, XXXX XXXX Consumer and Government Affairs XXXX, XXXX XXXX XXXX XXXX XXXX I have not gotten a response from Deas & Kochalski
Product: Debt collection

In XXXX of 2019, I canceled my service with XXXX XXXX. I received a confirmation number of this cancellation ( # XXXX ) from XXXX XXXX. Subsequently, my checking account was debited in the amount of {$95.00} by XXXX XXXX for XXXX service which, due to the cancellation, was no longer being provided. I disputed the charge with my Bank and they removed the payment. XXXX XXXX has now submitted this to a collection service, MRS BPO , LLC located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX for payment. I did not receive any such service in XXXX and, in fact, we sold our home in early XXXX and moved to a new location.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. 

I feel and know that I was negatively impacted, due to my XXXX and race. As a single, XXXX XXXX XXXX, This is hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ' which they were not done appropriately. These errors on my credit were not appropriately investigated with supporting evidence, unfair practices, and improper insurgent of deleted account clear results of violation. I would like for all incorrect account that have been disputed to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

An account or anything for that matter cannotreport without your acknowledgement do Look into this law 15 USC 1681b it goes in depth about permissible purpose and it can be used on 28 any derogatory account because you are requesting the documentation provided in order for the account to have received your permission to report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXXXXXX XXXX XXXX XXXX XXXX Delete this account. 
15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX XXXX XXXX XXXX  Delete this account. 
15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX XXXX Delete this account. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX  Delete this account. 
15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXXXXXX XXXX XXXX XXXX  Delete this account.
Product: Credit reporting or other personal consumer reports

i need help with rectifying violations that I believe have been committed. I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX TRANSUNION and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 15 USC 1681i ( 5 ) ( B ) ( ii ) ( ili )
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XXXX.18 by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 

The following is the fraudulent account with late payments/charge-offs status that I need removed by this company : 1.XXXX XXXX  XXXX , ACC # XXXX, Year XXXX, Make XXXX, Model XXXX XXXX, Serial XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX.18 and my small claims forms, in case they need to reference or review.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts dont belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. XXXX Account Number : XXXX 4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft AMEX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.