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

This is my second time writing to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Nevada XXXX Please delete all other addresses, I can not receive mail or any correspondence they are non-mailable, nor do I have access to any of these addresses, please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.
Product: Credit card or prepaid card

HSBC violates the opt-out prescreened credit offer. 
I have already opted out but still received the XXXX prescreened credit offer.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and XXXX stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Checking or savings account

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.
Product: Credit reporting or other personal consumer reports

My ONLY and CURRENT address is XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. Please DELETE the following addresses from the consumer report immediately. They are nonmailable addresses. Delete the following addresses on file. 

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 XXXXXXXX Also, update my name to XXXX XXXX XXXX. 
Delete the following names on file XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 

Delete the following employers on file. XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

Attached you will find my ID, Social Security, and Proof of address.
Product: Prepaid card

I applied for an Employment Development Department card and received a benefits card in XXXX through Bank of America. I made transactions from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I checked the balance of my card of {$4700.00}. After this day, I decided to stop making transactions and let my benefits accumulate for the purpose of using the money for another payment in the future. I did not check on any statements, because I entrusted that Bank of America would have secured my benefits and notify me of any suspicious activity or fraudulent charges. My card expired on XX/XX/XXXX and I renewed the card. I received the new card on XX/XX/XXXX. Upon activating my card with my credentials, I discovered I had a balance of less than XXXX dollars. I filed a claim with Bank of America on XX/XX/XXXX to dispute any unauthorized transactions and requested a copy of all transactions. During speaking with a Bank of America representative, I was asked if I had received the renewed card. I was frustrated in the moment and forgot that I had the new card in my possession and said I never received the card because I was attempting to dispute the fraudulent transactions, not whether I received the card or not. I was frustrated, because my identity was stolen, and my benefits were stolen and wanted to just dispute the transactions. When receiving the document via email, I saw 43 fraudulent transactions totaling up to {$5400.00}. On XX/XX/XXXX, I received through the mail, a letter from Bank of America stating that my claim was denied because I renewed my card using my credentials and that the card was mailed to my address. On XX/XX/XXXX I called Bank of America again requesting to reopen the claim and filed a complaint with Bank of America. I stated that the issue was not whether or not I received the card but that there were fraudulent charges on my EDD card. I was asked to verify my identity via fax. On the same day, I faxed a photo of my government issued identification card and on XX/XX/XXXX I filed a police report documenting the unauthorized transactions and faxed it to Bank of America, along with my government issued ID and photos of the new/expired EDD cards in my possession. Therefore, I am making a complaint about Bank of America. I believe they were negligent and culpably indifferent towards my claim. I entrusted them with the security of my money/benefits and entrusted them to notify me of any fraudulent transactions and or suspicious activity, which they failed to do. I also entrusted them to reimburse the money/benefits that is stolen from me. If only they had made a thorough investigation of my claim by comparing my transactions from XXXX to XXXX to the unauthorized transactions I am disputing, they would have discovered that all of the fraudulent charges I am disputing were made outside of my area of residence, out of state, and internationally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian on  X/XX/17   , for reporting inaccurate information on my report. I stated that the debt does n't belong to me and I also do n't have a contract with the collection agency verifying the debt is mine. The amount of the collection is {$1200.00} from    XXXX   XXXX   XXXX   XXXX  .  Account #  XXXX . The dispute has come back  3 b usiness days letter,  X/X/17   , stating the account was verified. I am positive that Experian did not reach out to the collection agency requesting verification of debt and received a response within  3 busi ness days. They also did not provide physical proof of what was used to verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 
The inaccurate information is a US DEPT of EDUCATION LOAN with a balance of XXXX, which was allegedly opened in XXXX XXXX and another US EDUCATION LOAN FOR XXXX which was allegedly opened in XXXX XXXX these items are inaccurate. According to CRA 15USC ss1681 ( G ), ( N ), ( O ), ( E ). This in accurate information being on my credit report is against the law, and they are liable for civil against them for violating my rights and creating hardships in my day to day life and trying to excel. I demand that these items be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I started, I would like to let you know that this is my first complaint and I'm not using any third party for this matter, I represent myself by myself. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.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. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.

Please note, that account has been posted only by Transunion Credit Bureau, I have obtained my report from all 3 Credit Bureau, XXXX and XXXX has removed this fraud account from my report, but Transunion keep posting and completely neglecting my rights. HOW THEY CAN saying to me VERIFIED OR VALID OR UPDATED WHILE OTHERS AFTER RECIVING MY PROOF OF STATMENT HAVE BEEN DELETED THAT ACCOUNT IMMEDIATELY.
Product: Checking or savings account

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Complainant : Venmo victim Company : Venmo ( PayPal, Inc. ) Issue : Account Suspension and Funds Withholding without Adequate Explanation or Justification Details : I received a {$13000.00} XXXX payment from the State of California into my Venmo account. I used a portion of these funds ( {$3500.00} ) to purchase a car and conducted other transactions consistent with my usual spending habits. Many transactions after the car purchase, Venmo suspended my account indefinitely, withholding the remaining balance of approximately {$3500.00} for 180 days. I promptly contacted Venmo customer support and provided proof of my identity, but received no satisfactory response. They said my account is suspended for anconcerns about my transactions, and that they have I'll no longer communicate with me and that the matter is over. 

Venmo claims that their account specialists, the only individuals capable of addressing my issue, are only available via email and do not work on weekends. However, I received an email from them on a weekend, contradicting their own policy. My account also received money from the us postal service despite it being suspended and the funds being held, showing that most likely they have only barred my access and can manipulate the account as they wish, I suspect to steal my money and invest it cutting me out of the profits and then sneaking money back into the account 180 days later sans the profit cut that should be given to me considering the rights I gave them in the user agreement are now void. 

I can not register the car I bought for registration. I can not begin work due to this. I am now still homeless and can not due what is required to begin my job as a XXXX. I may even lose the car to a tow, or tickets as I can not XXXX and register it. 
This suspension has caused severe financial hardship for me and my family. I am unable to access funds that I desperately need to cover essential living expenses. Venmo 's lack of transparency, delayed response, and seemingly arbitrary decision to suspend my account and withhold my funds have caused significant emotional distress and financial instability. 
I believe Venmo 's actions are unjust and potentially in violation of consumer protection laws. I urge the CFPB to investigate this matter thoroughly and take appropriate action to hold Venmo accountable for its conduct. 

I request the following : Immediate reinstatement of my Venmo account and release of my withheld funds. 
A clear and detailed explanation for the suspension and withholding of my funds. 
Compensation for any damages or losses incurred as a result of Venmo 's actions. 
Implementation of measures to prevent similar incidents from happening to other Venmo users in the future I am confident that the CFPB will take my complaint seriously and act swiftly to protect my rights and ensure that Venmo is held accountable for its actions. 
Thank you for your time and consideration. 
Sincerely, Victim of Venmo
Product: Money transfer, virtual currency, or money service

I am filing this complaint due to the lawsuit with CFPB and I have transactions that were taken and I just needed them refunded. The cfpbs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system. Leaving us users vulnerable to scams
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Equifax Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the erroneous reports of your bureau. This was already included in my prior COMPLAINT and I'm including it again. 

Please fix the disputed account : XXXX XXXX XXXX XXXX : {$150.00}
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I refinance a personal loan with cash security in XXXX Oklahoma on XX/XX/XXXX I dropped off the check before opening for my payment. A 10-day grace period is given by the company before a late fee is charged and this is the first time in the 10 loans I've had with them that I have been close to being late. On Wednesday I noticed that the check hadn't cleared my bank and contacted my bank and they let me know that the funds had been taken out on Tuesday for another bill and that that check was going to be returned so I had my father go in and make the payment that Wednesday the company got the check returned Thursday XX/XX/XXXX and the system gave me both a late fee and a returned check fee I asked the lady if there was anything I could do to get the late fee removed since I had never had one and had been a good customer for several years .she said there wasn't anything they could do. I made my principal payment of XXXX on time in XX/XX/XXXX plus another {$3.00} towards the late fee I asked the lady if I could carry it over until the next month and that I would take care of the rest of the late fee then and she assured me that that would be fine a week later I got a call from the lady at cash security asking when I'd be able to take care of the rest of the {$40.00} that is due and I told her that I planned on taking care of it when I made my payment in XX/XX/XXXX she said okay but yet then again a few days later I got another call from the lady at cash security just to let me know that the {$40.00} had went up to {$60.00} I asked her what happened and she didn't know so we had to get ahold of the Regional manager that explain to me that their system didn't put my payment towards the principal. It had first taken care of the late fees so I got another late fee because of the principle that was left die. No one told me that's how their system worked. It isnt stated in the contract and no one informed me that I would receive another late fee on my late fee. I got a hold of the regional manager again and try to get the mailing address for the main office that I told was in XXXX XXXX but they never would return my calls. I have been a very good customer for them for a long time now and it bothers me to think that they're doing this to other people. they had several opportunities to inform me that I would receive a late fee and that my principal wasn't taken care of when I made my principal payment. In my opinion this practice of theirs is extremely unethical. On top of the confusion and the Shady practices I've been receiving letters saying they don't know why I'm behind and text messages from this company although I've asked them not to text me and had set up a payment for XX/XX/XXXX already
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting nonpublic information on my consumer report which is a direct violation of my right to privacy as a consumer.
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 Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX CARD Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX XXXX FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX ( fraud ) XXXX XXXX  Account Number XXXX ( Inaccurate reporting has reported paid in full due to auction sell on report then re put on credit as a separate debt. Was not notified by certified mail of a debt after sale per Texas XXXX ), XXXX XXXX Account Number XXXX ( FRAUD )XXXX XXXX XXXX  Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX BANK Account Number XXXX ( FRAUD ), XXXX XXXX BANK NA Account Number 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 card or prepaid card

In XXXX, at XXXX XXXX XXXX, XXXX XXXX, offered me a credit card with {$7200.00} limit. I maintained my account in good standing until XXXX, when I became unable to afford my payments due to hardship from unemployment. XXXX XXXX would not work with me for a hardship program. My account was sent to collection and XXXX XXXX would no longer speak with me about the account. The collection company added interest and fees that totaled over {$13000.00}. I could not afford the {$7200.00} balance, so {$13000.00} was incomprehensible. I was forced to allow the account to sit in collection. The account is reporting monthly to credit companies with a full balance of about {$15000.00} due. This is hurting my credit and my attempt to purchase a home. My financial situation improved in XXXX, but XXXX XXXX still will not work with me. I spoke with the collection agency and they submitted a settlement offer of {$7200.00} ( original balance owed ) on my behalf and XXXX XXXX countered with over {$9000.00} which I could not afford. I entered a payment plan and have paid consistently monthly since XXXX XXXX. However, the company is still reporting a full balance of over {$15000.00} due monthly and refuses to acknowledge the payment arrangement or payments being made.