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

On Tuesday XX/XX/2021 I received an email from Venmo at XXXX XXXX est. notifying me of a phone number change. At XXXX another email stating that a sign in was made from a new device, at XXXX a debit card was added to my account and at XXXX the first transfer of two transfers was made out of my account in the amount of {$1000.00}, to XXXX XXXX XXXX DBA XXXX XXXX XXXX. XXXX, at XXXX another debit card was added, and the second transfer made in the amount of {$1100.00}. The moment I was aware of this ( XXXX XXXX ), my account had already emptied. I was unable to access my account as the phone number had already been changed. I also was unable to report this to Venmo in a timely fashion as their phones are not answered past XXXX EST. I did notify Venmo, through their chat function, their auto reply indicating it would be 5-7 business days before I receive a reply. At no time was I notified by Venmo, via phone, of unusual and costly activity on my account, depending instead on email and a reply with in two minutes time. In this time they allowed these transfer to be made. Their lack of communication was paramount in facilitating this fraudulent occurrence.
Product: Credit reporting or other personal consumer reports

I have called and sent letters to Equifax and XXXX about the account XXXX XXXX and I have not gotten any resolution
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) Section XXXX, which prohibits consumer reporting agencies from including adverse information in consumer reports resulting from human trafficking. Despite submitting valid and legally compliant documentation, Experian has refused to comply with this federal mandate, causing undue harm and hardship. 

Issue Description I am a XXXX XXXX XXXX XXXX and have taken the steps required under FCRA XXXX XXXX to ensure adverse information related to my trafficking experience is removed from my credit report. To comply with the law, I submitted the following documents to Experian : A certification letter from the XXXX Department XXXX XXXX and XXXX XXXX ( XXXX ) attesting to my status as a victim of human trafficking. 
Documentation from a recognized and valid Non-Governmental XXXX ( XXXX ) supporting my claim. 
Despite these submissions, Experian has failed to meet its legal obligation under XXXX XXXX. Specifically, Experian has : Refused to accept my documentation, which meets all criteria established by the FCRA and its supporting regulations. 
Provided no valid explanation for their refusal or failure to act. 
Continued to report adverse information related to the trafficking situation, causing ongoing harm to my financial stability and well-being. 
Impact of Experians Non-Compliance Experians refusal to comply with federal law has caused the following : Continued damage to my credit report and score, impacting my ability to secure housing, employment, and financial services. 
Emotional distress and retraumatization as I am forced to relive my trafficking experience to resolve this matter. 
Violation of my rights as a consumer under FCRA Section XXXX. 
XXXX Sought I request the CFPB to take the following actions : Investigate Experians failure to comply with FCRA XXXX XXXX. 
XXXX Experian to immediately accept and process the documentation I have provided, removing all adverse information that resulted from my trafficking experience. 
Ensure that Experian implements proper procedures to prevent future violations of this law and train their staff to handle such cases appropriately. 
Attachments I have attached the following documents to support my complaint : Certification letter from the Department XXXX XXXX and XXXX XXXX ( XXXX ). 
Documentation from a valid XXXX. 
Copies of all correspondence with Experian related to this matter, including their refusal or lack of response. 
Conclusion Experians actions constitute a direct violation of FCRA Section XXXX, and their failure to address this matter undermines critical protections for trafficking survivors. I urge the CFPB to hold Experian accountable and ensure compliance with federal law. If Experian does not take corrective action immediately, I am prepared to pursue additional legal remedies.
Product: Mortgage

For the past 10 months I've been getting calls from the SLS customer service. I've spent at least 12 hours trying to correct.

2 calls a day, 6 days a week.

They've penalized me for not having insurance, which I have, and have provided support based on their request.

They're penalized for a payment, which I've never missed. I've provided bank statements and support based on their request. 

They owe me XXXX in unapplied funds from XXXX. 

They owe me XXXX in back payments from XXXX. 

On XX/XX/XXXX, I spent 2 hours working through the system with 4 different areas. Everyone I spoke to acknowledged the error, but I just received another reject notice.

I've submitted all ppwk as requested. This is wrong and has been a horrible experience.

I'm trying to buy a house. This has ruined my credit and I've lost out on rates and several homes. Look at my history. Over 800 until this happened. 

Please help me. I'll provide any info needed. 

Thank you. 

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

Wanted to get a debt consolidation loan and/or a home equity loan. Tried my bank as well as the mortgage company. Was denied for both and ended up refinancing my mortgage at a higher interest rate because Equifax has been continuously reporting on my credit report that I have serious delinquency. For the past several years, I have been diligent in paying my accounts on time and none are showing 30 days or more late based on the credit report I went over with the credit bureau representative and the report mailed to me. I have asked them to correct the issue and nothing has been done. This has cost me with the higher rate terms on my current mortgage. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified back XX/XX/2017 that XXXX XXXX was fraudulently opened in my name and reporting to my credit reports. I am a victim of Identity Theft and immediately put a fraud dispute in with a copy of my identity theft police report with all 3 credit bureaus '. XXXX is the only bureau that has yet to remove XXXX XXXX from my credit report due to fraud. According to XXXX, XXXX XXXX is verifying an account with my name, address, DOB and last 4 of SS. That is all information that could be used when one is a victim of Identity Theft. XXXX XXXX has been notified that this account is due to fraud and was never authorized by me to be opened. XXXX XXXX has failed to provide a contract with my SIGNED signature showing proof that I am the one that authorized this account to be opened. I have an open BBB complaint against XXXX  and against XXXX XXXX. I have also filed a CFPB complaint against XXXX. I have sent another copy of my Identity Theft police report certified mail to XXXX XXXX along with a 609 letter. XXXX XXXX is inaccurately reporting a fraudulent account to my credit file & because of this inaccurate information, I have been denied credit for a home as well as other credit that I'm trying to obtain. This account needs to be removed from my XXXX report immediately due to me not authorizing the account to ever be opened and it was done as a result of me being a victim of Identity Theft. XXXX XXXX is providing verification to XXXX   that an account does exist using my name, address and DOB. However anyone can easily access that information on the internet and or phonebook. By law to validate this debt is actually mine, XXXX XXXX needs to provide an original contract with a signed signature by me. For the last 6 months, XXXX XXXX hasn't been able to provide an original contract with my SIGNED signature, therefore XXXX XXXX   is in violation of FCRA section 609 ( a ) ( 1 ) ( A ). XXXX XXXX needs to immediately remove this fraudulent account from my XXXX credit report or I will pursue all legal matters if necessary to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only names on my credit report should be : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion has all of the following incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The reason for this complaint stems from my desire to purchase a house and the subsequent discovery of damages present on my credit report. According to the guidelines outlined in the 15 USC 1681, it is explicitly stated that my credit report should not reflect any unjustifiable damages, as this could be construed as an act of defamation against my character. 
It is my firm belief that these damages have adversely affected my ability to achieve my financial goals, including securing a home. I am reaching out to the CFPB to address this matter and seek a resolution that aligns with the legal standards set forth in the aforementioned statute. Thank you for your attention to this important concern.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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/updated. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I reached out to this company via certified mail for verification and validation of a collection account on XX/XX/year>. A few days later I received a phone call on voice mail from this company. When I checked my credit report information a month later I noticed a second company had started reporting the same collections.
Product: Credit reporting or other personal consumer reports

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately.

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were all on time. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, XXXX  late payments. So why are you reporting it incorrectly? 

Inaccurate late payments like this are not only embarrassing, but they are preventing me from obtaining credit that I'm trying to apply for. I've already been in talks with some experts who have informed me that there are laws to ensure that credit bureaus only report accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part or both.

I take this very seriously and I'm not going to stop contacting you until you remove this wrong information. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. If it isn't done fast, I'm going to have to research what legal options are available to me against both you and the creditor.

Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : Experian : 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 XXXX XXXXXXXX XXXX XXXX Balance {$25000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$25000.00} 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 Balance {$25000.00}
Product: Credit reporting or other personal consumer reports

I sent in disputing asking them to show me proof of the investigation & never received it it just comes back verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX  TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX, TX XXXX, XXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$0.00} , XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX  XXXX XXXX Balance Owed : {$290.00} XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX A XXXX Balance Owed : {$800.00XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is very obvious that Equifax is not concerned about accurate reporting ; instead the company bends to whatever untruths/mistakes that it's member corporations insist on reporting. I have submitted another dispute that is clearly a mistake on the company 's part, but Equifax either did not read the supporting evidence or refuses to force the company to modify the tradeline consistent with the status that is supported by the documentation. 
On XX/XX/XXXX, I submitted dispute # XXXX, is dispute to delete a tradeline. I filed because the creditor agreed to delete the tradeline as a result from a previous CFPB investigation ( XXXX ). The effective date of that deletion was XXXX, but as of XX/XX/XXXX, that tradeline still existed on my credit report. Evidently, the message to deltee the tradeline never made it to that company 's clerks who process credit reporting. So, in my most recent dispute, I attached the letter from the creditor which outlines the commitment and includes the tradeline deletion form. Instead of Equifax reading and deleting the tradeline, they forwarded the dispute to XXXX ( now XXXX XXXX XXXX ) again, and whatever clerk received the dispute responded back that the tradeline is reported correctly. So, it's clear that either Equifax didn't send the document to that clerk or that clerk didn't open to read the document from XXXX/XXXX  committing to deleting the tradeline ( as of XX/XX/2020 ). Attached is the documentation : 1. The CFPB complaint ( XX/XX/2020 ) 2. XXXX/XXXX  XXXX XXXX Tradeline Deletion Commitment ( XX/XX/2020 ) 3. Recent dispute results of tradeline deletion request showing XXXX/XXXX  clerk responding the account is reporting accurately.
Product: Money transfer, virtual currency, or money service

Ok here 's the deal I have been having a major issue these last few years with cashapp just straight up keeping my money. They have stolen about {$5000.00} from me I'm the last three years or so. I lost proof to many of what I'm saying but I have emails going back around two months or longer where someone sent me XXXX for some items I had for sale and cashapp won't deposit the money to my account.i have sent around {$200.00} dollars in there so called fees to receive the money but still they are constantly coming up with excuses and steadily trying to get more money for so called fees and such .I have asked them numerous times about the money and it's always immediate after I pay the fee that they will deposit it but I send the fee and still no money deposited to my cashapp as promised.like I mentioned early on I have lots of emails from them with are entire conversations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted dispute letters THREE times within the dates of XXXX of 2021 to XXXX of 2021. I have not received any notifications nor have there been any changes made to my report. THIS IS VERY FRUSTRATING.
Product: Vehicle loan or lease

They repossessed my car on XXXX XXXX without permission I woke up. I see my car was going. I thought someone stole it and this was a Sunday. I did not get no notice anything now. I know that I was behind, but I was having finance hardship. They took my car somewhere that I did not know told me the price that I had to get it back. I was waiting till I get the money and Ill have the money and now they sold my vehicles with my personal information in there and I feel like it was wrong. I feel like I supposed to sue. I am XXXX and that was my transportation to get to my Appointment and take care of my children. I trade in another vehicle for a reliable vehicle for my vehicle to get repossessed over hardship that that is so wrong and report it to credit bureaus and they dont post to thats a lawsuit. Why is the lawsuit and the law 6 92C cease and desist in rights to privacy
Product: Debt collection

I paid in full not settled a account for Citizens bank in 2012. I then received from the IRS a tax audit for a cancellation of debt from Citizens bank which I actually never settled paid in full and as I look closer looks like I paid more than what the debt was for and I continue to receive as of this month collection letters from collection companies the latest was XXXX. I have called sent letters I do not know what else I can to to protect myself.
Product: Debt collection

On XX/XX/year> I noticed this company ( Credit Collection Service ) on my credit report. Having no success getting this matter resolved over the phone..I sent this company a Validation of Debt letter via certified mail on XX/XX/year>. The company has not replied to my letter and continues to report this disputed information to the credit bureaus. I made another attempt today XX/XX/year> to get this matter resolved and still no success. I spoke to a manager by the name of XXXX XXXX and she would not assist me with this matter. I have been harmed financially and this company is in violation of 15 US Code 1692g amongst other violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act U S DEPT OF EDXXXX 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 instruction
Product: Credit reporting or other personal consumer reports

Request a copy of alleged obligation of debt owed by the incorporated XXXX XXXX. Frivolous information was sent to me, which is a None Response. Without this information it is fraudulent to report negative remarks on my open-ended credit account,. XXXX XXXX credits funded this account and it is fraud inducement to change currency from credit to federal reserve notes without full disclosure to the consumer. I have been had my negotiable instrument for {$720.00} " rejected '' without reason, although I was told by XXXX in collections it would returned if not accepted. I considered this account paid in full. Also, XXXX XXXX does not have an opt-out of a privacy disclosure option, this is a violation of Consumer Rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  credit card revovling account is a XXXX XXXX balance but is reporting a inccorect balance of XXXX dollar balance.
Product: Credit reporting or other personal consumer reports

I'm not the proprietor of these requests, and I'm not associated with any of the lenders recorded. I want their expulsion from my credit report right away.
Product: Credit card or prepaid card

I am A XXXX Veteran being treated for XXXX XXXX by the VA hospital in XXXX. I do some time remembering thing, but it does come back. I had two Discover credit cards XXXX and XXXX, which I stop using in XX/XX/XXXX due to them not Honoring the payment protection plan that they made me carry that was ruled illegal by a federal court in XX/XX/XXXX and again in XX/XX/XXXX. Discover sent in negative credit reports to the credit reporting people wall rising my credit limit to {$30000.00} each card. And then charging me for transferring money to some account in cyber space. They claim it was hackers or computer problems. But this was what the courts in XX/XX/XXXX and XX/XX/XXXX ordered them to stop doing! It was proven that employees were doing this! It seems that they believe that due to the Federal court being in New York the federal orders do not apply to people in Michigan!!! I have been hassled by them for over 6 years, them charging my cards that I stop using for money transferred to cyber accounts in XXXX XXXX. Saying that they would take me to court and put me into jail, or take my home if I did not pay. In addition it seems that Discover has giving my SS number to people who have NO legal right to have it!