23daVinci/CFPB_Complaints huggingface dataset:
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 ( Original Creditor : 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 card or prepaid card

I applied for a XXXX Mastercard and was approved and Continental Finance states  they mailed the credit card on XX/XX/2018, then on XX/XX/2018 and when I called on XX/XX/2018. In actuality a credit card was never mailed it was just stated to get me to pay the XXXX fee.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding certain accounts on my credit report. 

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

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

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 report agency can not furnish a account without my written instructions.

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.

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 or other personal consumer reports

Experian and XXXX are reporting incorrect inquiries that I do not recognize after filing previous complaints they allege this information was verified upon further investigation consequently they sell consumer information without consent for profit. This behavior is clearly why they will not remove these inquiries. They sold my information without my consent and now such behavior is causing me harm. 

XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I XXXX XXXX filed a Fair Debt Collection Practices Act ( FDCPA ) protest against Portfolio Recovery Associates ( PRA ) collection this past XX/XX/XXXX. The debt in dispute pertains to an old XXXX XXXX account that was satisfied several years ago through another collection agency in XX/XX/XXXX. Since that time, I have re-established credit and have procured another XXXX XXXX credit card. XXXX XXXX has already deleted the old account from all of my credit bureaus based upon the 7-year timeline of the Fair Credit Reporting Act. PRA has acquired information on me through an illegal debt pooling agreement, whereas my information floats to various collection agencies. Just because PRA sends out validation letters does not validate a collection. Based upon a court decision in XX/XX/XXXX against PRS called Federal Trade Commission v. Portfolio Recovery Associates, PRA must show proof of ownership of a debt or proof that XXXX XXXX has extended approval on the collection. The attached FDCPA collection letter was explicit on the actual process that is required legally. The FTC case also stipulated that the bebt must be within the legal timeline where it could be collected based upon the sate law guidelines of the consumer 's residency. In essence, PRA is trying to collect on a debt that has already been eliminated from any legal collection process, and that the legal timeline where the item could be carried on credit from the original creditor has passed. PRA is in violation of both FCRA and FDCPA regulatory guidelines passed by Congress.  Accordingly, this item must be deleted permanently, and my file information must be voided by PRA. THIS ITEM POSTED IS ILLEGAL!!! <P/>PRA MUST DELETE ITEM AND PURGE MY INFORMATION!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all Freezes and Fraud Alerts from my file. I have attached my ID and Mailing address as well. I am trying to buy a car this month and I need ALL Freeze/Blocks/Fraud alerts removed ASAP.
Product: Credit reporting or other personal consumer reports

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be XXXX  % accurate, XXXX  % verifiable, and reported in a timely fashion. I am well aware you have XXXX  days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 


XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.
Product: Debt collection

I was XXXX all of XXXX and I have a collection account from Progressive management system for a gas bill that i do not own. I never had services with XXXX because I was homeless from XXXX until I was locked up in XXXX. I tried explain this to them but they said that I would be sued if I did n't pay and I would have to go back to jail. I offered to fax over proof that I was in jail during the time they service but Progressive said it did n't matter I would go to jail if I did n't pay. they have continued to report the fraudulent debt on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX - {$1800.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$23000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public co

nfidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions
Product: Bank account or service

On XXXX/XXXX/16 I deposited a check drawn on a local bank for {$290000.00} into my business account at SunTrust Bank. After waiting two days I paid invoices to my accountant, my insurance agency for my business liability, a payment to XXXX XXXX, a credit card I use for my business, my local business tax, XXXX XXXX XXXX etc. 
In a couple of days I had received information from my accountant that their check had come back. I then received an email from my insurance agent that the check to the insurance company had been returned ( causing my requirement to obtain a money order or cashier 's check because they would not accept any other form of payment at that time ). I determined to go to the bank and resolve whatever issue as needed. 
I had called XXXX XXXX on another matter and at the beginning of the voice response on their system I was told I had a balance due ( I had sent a payment on XXXX/XXXX/16 ). After speaking with the representative I asked about the voice prompted statement. She told me the check to them had been returned. I asked about what effect this would have and she responded that they had reported a late payment to the credit reporting agencies. 
Before I could get to the bank I received a notice from SunTrust ( dated on XXXX/XXXX/16 and received approximately on XXXX ) stating that they were holding the check until XXXX/XXXX/16 because it was out of my normal activity, and exceeding the average balance ( please see attached ). Quite often my deposits are over the XXXX dollar value?? 
I went to the bank and the officer I spoke with was quite astonished this had happened. She wrote me a letter ( see attached ) to explain the bank was at fault. However, I am very angry and may move my business account. 
I am in the process of selling my home and purchasing another. This event will not help me. I can not believe a bank can arbitrarily hold my funds, I believe they should be held accountable, can you help me. 
Thanks Regards XXXX XXXX XXXX
Product: Debt collection

XXXX billed an eight year old address attempting to reach me for a medical bill. 
No response was recieved because I did not live at the address they were billing. 
XXXX turned the invoice to a collections agency, collection agency continued to bill the old addressI had no knowledge of this information until I needed to purchase a car where the discrepancy showed up on my credit report. 
XXXX refuses to submit a letter of untimely filing so my insurance company will pay the billI still do not know where or how the old address was obtained by XXXX. I would never recommend using this medical lab. XXXX insists I lived at the address that was billed and I received sufficent notice of the debt. I can provide public records to show I did not live at the address.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX - Affirm approved my loan for a custom XXXX XXXX ( XXXX ) chair in the amount of {$1300.00}. I made a down payment of {$380.00}. Affirm loan number XXXX. 

XX/XX/XXXX - The XXXX  chair was delivered without the customizations of two down-blend cushions as advertised on their website. I called XXXX the same day to make a complaint. A XXXX supervisor approved the return. XXXX emailed me a web form that required me to take multiple photos of the chair. I submitted the web form and photos to XXXX I made an additional payment of {$110.00} to Affirm the same day. 

XX/XX/XXXX - XX/XX/XXXX - I contacted Affirm multiple times, via their app and my personal email, to submit and resubmit the info they needed to open a dispute. 

XX/XX/XXXX - I called Affirm and spoke to a supervisor regarding Affirm 's refusal to open a dispute. The supervisor opened case no. XXXX but a dispute was never opened. 

XX/XX/XXXX - Affirm began to send me weekly emails threatening to report my delinquent loan to the credit bureaus. 

XX/XX/XXXX - I emailed Affirm billing and Affirm customer service and requested XXXX. I received no response and Affirm continues to send me weekly emails threating to report me to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no score with Experian for over 6 months. 

I have tried to get an updated score via calling, sending in updated documents, paying for membership and none have helped.
Product: Debt collection

I got a call from XXXX claiming to be an attorney wanting to serve me legal paperwork to collect an 11 year old debt that was charged off. I was asked to call back XXXX and when I did I was told I was being sued for theft regarding a Barclays credit card. I was also told that there would be a lien placed on any property I owned and garnishment of my wages unless this debt was immediately paid. They had my full name and last 4 digits of my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of identity theft. i need these accounts removed asap. had no idea they were XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed my full name in XXXX of XXXX and assumed that it would automatically be updated with creditors. When I realized that wasn't happening, I tried to change it with Experian because any time I try to apply for a bank account or credit card, they run my credit report through Experian and see that I allegedly have a XXXX for my credit score. I began contacting Experian back in XXXX of XXXX and despite NUMEROUS emails back and forth, phone calls with Experian customer service, uploading all of my name change files to Experian including my social security card, birth certificate, court documents, and proof of citation, and THEN mailing them all of the previously mentioned documents, I still have received no confirmation that they received anything and no updates to the personal information on my account. When I sign in, it still lists only my old name. Only my new address has been updated. When I email their customer support, a different person replies every time ( within the same email chain ) and just copy-pastes the same useless responses back at me. They never address my actual issue. They use my former name that's on my account even when I sign my email with my new name, which tells me that they aren't reading anything that I'm writing to them.
Product: Credit card

A merchant padded my credit card bill with services I never authorized or requested. I have disputed this numerous times with American Express, and they refuse to remove the charge.
Product: Debt collection

Synchrony Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the mentioned accounts exhibit inaccuracies in their reporting.
Product: Credit reporting or other personal consumer reports

I do not recognize these accounts, investigate and delete from my credit file. My personal information has been exposed. These accounts are XXXX and LVNV funding.
Product: Checking or savings account

On XX/XX/XXXX I called into customer service at Bank of the West in inquire why my account was showing - {$27.00} on my mobile app. 

The associate advised me that I was not overdrawn and had {$10.00} in my account. I asked if she could reverse 1 overdraft fee as a courtesy and she explained that she could not because I have had 1 fee reversed in the last 12 months. 
I asked the associate to cancel my overdraft protection so this is no longer an issue and they said they would. 

I expressed great concern that I would be charged overdraft fees so again I asked if my account was overdrawn. She immediately replied that is was not and asked me if I wanted to speak with the online dept. to learn how to read my mobile app. As insulted as I was I explained that no further assistance would be needed and the call was disconnected. 

On XX/XX/XXXX ( next day ) I was assessed {$140.00} in overdraft fees and again on XX/XX/XXXX another {$35.00}. Assuming this was an error that would be cleared up by Monday I let it go. 

Monday XX/XX/XXXX I called into customer service again to express my concern and requested to speak with a manager. A manager named XXXX came to the line and heard my complaint. She stated that there were no notes from the associate I spoke with on XX/XX/XXXX and that she would have to listen to the call. I advised that I would hold while she did so however she then stated that her manager had to review the call. I asked to speak with this manager but was told that they were not available and would call back. I have been told this in the past with no follow up so I feel it is necessary to being this to the CFPBs attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX all accounts listed are being incorrectly reported
Product: Money transfer, virtual currency, or money service

I listed a XXXX XXXX for sale at {$850.00} on XXXX XXXX. A buyer contacted me and offered to pay for the item using Venmo. I didnt have much experience with Venmo but I knew it was owned by XXXX which is a federally regulated bank. I went to Venmos website to check their policy on payment refunds and it clearly stated that payments could not be reversed once sent without the recipients approval. When you call Venmo support, it clearly states on the recorded message that payments can not be reversed once completed without the recipients approval. 

The buyer came to my house on Thursday XX/XX/XXXX and we performed the transaction in front of my ring video doorbell. He verified that he was the buyer who contacted me on XXXX and I confirmed the payment had been completed with Venmo via email and the Venmo app. I initiated a transfer of the funds to my bank account. I gave him the XXXX afterward. 

Four days later on Sunday XX/XX/XXXX, I received a message from Venmo that the transfer was flagged for review. I tried calling them but their offices were closed and so I responded via email asking for further information. 

I did not receive any reply and called Venmo on the following day Monday XX/XX/XXXX. I checked the app for an update and it said they had refunded the buyer without having made any attempt to contact me for details. When I reached them via phone, they asked me for details like my drivers license and a photo. The call was disconnected shortly after I provided these details and I couldnt get a hold of a representative as the offices were closed when I tried again. Further requests for an update via email went unanswered. 

I called again today XX/XX/XXXX and they failed to provide any information about what happened with the payment. They stated an account representative would review my claim and respond by email. I feel that Venmo has a legal obligation to complete this transaction. 

Venmo is a federally regulated money-transfer service that makes certain claims about how their service operates which are deceptive. The way they handle payments is a recipe for fraud. I took reasonable precautions to check how their service operated with respect to refunds and they were inaccurately described on their website and phone support. Venmo should be held liable to refund the money the withheld from my account. If there is anything you can do to help, it would be greatly appreciated.