23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

What appeared and made me take notice, there were fraudulent charges on my CC account. The [ fraudulent ] charges were in excess of {$12000.00}, the company took care of this fairly quickly. They felt limited as to be able to tell me what exactly happened ; except 'someone ' use convenience checks. I was told everything was fine. This happened in XXXX of XXXX. I noticed in XX/XX/XXXX, there was excessive convenience transfer check charges. They were 75 % of the interest charges. I spoken to them ( XXXX XXXX, XXXX ) and on a number of occasions ; they agreed and told me it would be taken care. I noticed two weeks later - NOTHING happened. I contacted them, they said it was look into and things were correct as they stand. ( They did not bother to even contact me ) I spoke to others ( at the company ), and got a response that, several years ago, there was a transfer, true. That these high transfer is the result of the fees. Just an inside fact ; when I make the transfer it was done electronically ; I DID NOT WRITE ANY TRANSFER-CONVENIENCE CHECK ( S )! I want it to be known, I take responsibility for my debit, as well my payments. I'm not late, and definitely do not miss payment. Not even this one that I in great disagreement over. -- PLEASE, can shed some light, please. -- Much appreciated!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

FTC Report XXXX XXXX Below is a copy of my complaint to the FTC. I am forwarding it to CFPB. There was already a large class action against PayPal back in XXXX from the FTC, for this same exact reason. 

Read Complaint Below I have had my money frozen over {$1100.00} in Venmo owned by PayPal. I am aware that you guys submitted a large class action complaint against them for this very reason. Without reason, they froze my account in or around XX/XX/XXXX And told me they would withhold my funds for up to six months. I just received an email on Friday XX/XX/XXXX stating that my accounts funds are now available to withdraw. That my account would be suspended and I would not be able to utilize their instant transfer option using a debit card that I would have to link a bank account and routing number and use their standard withdraw option only. I try to link my bank account using the third-party XXXX  which Venmo offers to link your bank account and it keeps giving me an error message and does not allow me to add my bank account. Ive been trying to add it manually bypassing XXXX and it still gives me an error message stating that I am unable to link a bank account. Basically Venmo is just keeping my money and when I email them nobody responds and when somebody emails back finally they just respond with templates. I re-respond addressing my concerns that they ignore on my previous emails and they respond through template emails that make no sense and basically they are just giving me the runaround and telling me that if my bank account does not link it is because the bank is not eligible with Venmo, which makes no sense because they are major bank accounts and they tell me to try another account. I have already tried three of my major bank accounts, XXXX  XXXX XXXX, XXXX, and XXXX XXXX. And Venmo insists on the fact that I need to try a different bank and they dont know what to do so basically theyre just stealing my money. Based on the previous FTC complaint in XXXX I read that they have been doing this to thousands of consumers and it looks like they still have not learned their lesson and have continued with their shady business practices since then. 

I hope somebody at the FTC is able to reach out to the correct department at XXXXnmo/PayPal so they can finally address this directly with me to link a bank account so I can access my funds that have been frozen since XX/XX/XXXX. 
My email address on file with Venmo is XXXX my user name on file is @ XXXX Thank You.
Product: Checking or savings account

I am an XXXX citizen. I have purchased some properties in XXXX for investment. For rental proceeds and payments for managing the property I had opened an account with SunTrust bank. Recently this bank has been taken over by trust. For some reason I can't make XXXX payments and some rental deposits by property managing agents are denied. I contacted trust and they said they will Fix it. Nothing has been done so far.
Product: Credit reporting or other personal consumer reports

I applied to company for employment and when I was told I needed to take a background check for more information to be provided. 
The company had the process go through checkr which informed the company of an inaccurate description of my record stating my license was suspended under false pretenses, and continues to be reported disqualifying me from working the job. 
From XX/XX/XXXX, XX/XX/XXXX shows Inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

This is totally Fraud. Please take an action with this innacurrate accounts.
Product: Debt collection

I've received a debt collection notice XX/XX/XXXX ( dated XX/XX/XXXX ). I've tried to reach out to the company several times ( XX/XX/XXXX-XX/XX/XXXX ) to inform them that I'm disputing these charges as there was likely an issue with the hardware ( it's toll related and I got a new car ). The company is Professional Account Management , LLC. My Account # XXXX. I've tried to contact them several times and there is only a phone prompt to walk through. As I walk through the prompt, they ask the account number, and then the zip code on the statement. I've inputted the zip code on the statement several times, but it tells me it's invalid. I've tried to figure out how to speak with a representative but it's been impossible. There is no option for me to contact an operator. I've tried to find people on XXXX. I've tried to reach the parent company. Professional Account Management , LLC claims they have a " contact us '' page, which they don't. I've been very disappointed with the lack of transparency to this process as it will impact my credit score. Additionally, I can't contact the toll company to resolve this as they direct me to this company. 

Notice is from : Professional Account Management , LLC ( XXXX ) XXXX Account # XXXX Violation : XXXX
Product: Credit reporting or other personal consumer reports

I Came across the CFPB Experian Lawsuit.

I feel i was negatively impacted by Experian hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''.

But i dont see any details about your investigation.

A fine will be applied soon if proper investigation is'nt applied too. 


Please provide details to investigation or delete accounts.
Product: Money transfer, virtual currency, or money service

1 ) There was an advertisement for " XXXX XXXX '' on XXXX website for a company " XXXX XXXX XXXX  By XXXX XXXX ''. I applied on XXXX XXXX. 
2 ) I received an email about being selected for screening questions, which I had to answer and send back by email. I did that on XX/XX/XXXX. 
3 ) I received an email from XXXX XXXX ( XXXX XXXX ) with an offer letter on XXXX XXXX XXXX I accepted it the same day. 
4 ) On XXXX XXXX, I received email from XXXX again. Her email id is XXXX XXXX XXXX XXXX, saying that as I am a new hire, I need to contact their preferred vendor to setup home office. Name of Vendor : XXXX XXXX ( Momentum Management ) Email : XXXX XXXX ) I contacted XXXX on XXXX XXXX, same day and was sent an invoice from this address : MOMENTUM MANAGEMENT Invoice No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and given details to wire themoney so they can proceed with sending stuff overnight. *** I should have suspected at this time *** Somehow being excited aboutthe job, I wired the money. 

The money was wired to : Bank XXXX : The XXXX XXXX XXXX. ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Holder name : XXXX XXXX XXXX  stick-to-It decal design XXXX XXXX XXXX  Account # XXXX Routing # XXXX The XXXX XXXX XXXX  XXXX ( XXXX XXXX ) I contacted Truist Customer Service on Saturday at XXXX XXXX on theeir customer service number. They noted down my complaint and gave me case # but also informed that they can not do anything about it I went to Truis bank branch again Saturday morning, when they opened. I was told again, they can not anything about it. 
To add insult to injury, they charged me {$75.00} for wire transfer. 
I tried to contact The XXXX, Delaware ( XXXX ) XXXX. The bank manager refused to do anything about it
Product: Credit reporting or other personal consumer reports

Im disputed this account is not mine : ; I have previously disputed the following accounts and have not receive method of verification please see below request and account information Account info Account name : XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX account XXXX XXXX Account name XXXXXXXX XXXX Account number account # XXXX Account name XXXX XXXX account XXXX Account name ; XXXX Account number XXXX account collection and banktuptcy I request for the third time that you provide the method of verification the agency used. i asked : The name of the individual business address and telephone number of the person or business contacted during your reinvestigation. 
The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute. 
To date, they have not provided me with a copy of ANY documentation ; Furthermore, they have failed to provide the method of verification as required previous complaint it stated thay they are still working on this account that is incorrect they have investigated these accounts more than 3 times and still no type of verification on accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX, INQUIRY DATE XX/XX/2021 CREDITOR : XXXX, INQUIRY DATE XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.

Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. Therefore I request the CFPB takes action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

The following are the accounts I am referring to : XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX {$170.00} XXXX XXXX XXXX {$1400.00}
Product: Credit reporting or other personal consumer reports

I have asked proof of the appearance of the PERSONAL INFORMATION that I have no idea of.
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Product: Credit reporting or other personal consumer reports

To my complete and unbiased knowledge ( *Weimark Credit Services * ) has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me pursuant 15 U.S.C . 1681.

Having the understanding and position, I am requesting that you forward me any supporting or justifying documents you have on my file allowing you to report this alleged eviction. I am expecting a response from you within 30 days from the dat you receive this letter. If said documents can not be produced, please delete this eviction from my report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX stayed in XXXX Ohio at XXXX XXXX XXXX XXXX her mother name is XXXX XXXX in her sister name is XXXX XXXX they have loans from my credit mortgage loans auto loans in everything using my credit I need this investigated XXXX XXXX XXXX he is also connected he is from XXXX Michigan I have the dates of the mortgage loan where the loans where placed at in everything every since this been going on I've been getting harassed in staying in shelters fake chargers being out on me I'm out here fighting for my life everyday while my credit in information is being used I stay at XXXX XXXX XXXX XXXX XXXX XXXX I don't have a car or a place I've been in the shelter my hole life I was XXXX XXXX XXXX XXXX XXXX  everyday I want these people put in prison I don't care this lady is my kids mother the kids can go to a foster home I don't care I never had XXXX nobody gone play with my life inquiry date XXXX mortgage loan removal date XX/XX/year> XXXX XXXX XXXX XXXX California company name credco there number is XXXX in the the other name is XXXX XXXX XXXX XXXX she is from XXXX  XXXX Michigan please investigate this put these prople away the other loan is XXXX XXXX XXXX XXXX there number XXXX inquiry date XXXX the removal date was XX/XX/year> address XXXX XXXX XXXX XXXX Georgia XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Consumer that is protected by the laws of the FDCPA & FCRA attached you will find several Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from XXXX, TRANSUNION & XXXX see attached ;
Product: Checking or savings account

XXXX RE : Account Number : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$230.00} XX/XX/XXXX, my phone alerted me that three different transactions had been made with my card that I did not authorize. The merchant listed on the app was XXXX I tried to make a dispute on the app when I was able to and also called to make sure it has been done properly. I have never been on that website and I did not make three different transactions on it. 
Please reopen my case and investigate this situation.
Product: Credit reporting or other personal consumer reports

I purchased a brand new vehicle XX/XX/XXXX. Wells Fargo was the lender. XX/XX/XXXXXXXX  while purchasing a new vehicle and trading the XXXX  I found out there was no record of me owning or purchasing the vehicle. The information was not being reported to the credit bureau. I was initially denied the trade saying because it was thought to be someone else 's vehicle. This is my.second time reporting this the 1st time the complaint was closed and letter mailed out saying that my credit would be updated. There's still no report of me having the vehicle on my credit. This was very embarrassing as well as causing me to have a lower score than I should since my payment history waa excellent but credit shows no trace. It's very frustrating how these big companies get off doing crooked activities and hindering the consumers making them suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I've spoken with two representatives and told them to remove EVERY address except my current address. The other addresses are NON-MAILABLE addresses and they are all incorrect. I've asked them to remove ALL phone numbers except my current number. I was told this would be done and it has not been taken care of. I've told them to remove inquiries on my report/s because they were not authorized. I do not approve of or authorize the sharing of my supposed credit history and my personal information. I am going to pursue this legally but this is my second step in seeking remedy. My credit score should be at least a XXXX. Any charge-offs are considered XXXX and this is considered income and should not be on my report. I'm building a case. XXXX, XXXX, Equifax. They're all on notice. My name is copyrighted, they are infringing on my copyright. They are in dishonor.
Product: Vehicle loan or lease

On XX/XX/XXXX I sent a letter in to CNAC headquarters rescinding the contract between us and it appears as though they do not want to comply with the law regarding the consumers right to rescind the contract based on them not informing me of my rights when I originally signed for a XXXX XXXX  through a branch office located at XXXX XXXX XXXX on XX/XX/XXXX. I have since paid over XXXX dollars XXXX of which went to replace the throttle on a vehicle which the engine light stays on continually.
Product: Checking or savings account

Out of the blue, Navy Federal Credit Union locked me out of my own accounts on XXXX XXXX, a week ago. There were problems with their XXXX, a Branch Teller and most recently, a company notifying me that duplicate payments that were deposited were sent in error. I have provided detailed information. They are claiming a {$1900.00} checking account overdraft. I should be able to view this account activity, but am unable. One of my loans is secured by my XXXX XXXX. I am a 17 year member and fail to see any harm in allowing me to view my accounts. ALL contact is by me calling them or generic email by their " Security '' dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account XXXX on my Equifax report that does not belong to me.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've reached out to TransUnion several regarding a tax lien which had been satisfied and is still showing on my credit report verified as accurate. I 've made several phone calls and provided documentations as proof that the information listed is not accurate. Theyve investigated, so they say and returned with the same results " verified as accurate ''. Customer service representatives including one supervisor I spoke with were very dismissive and I do n't believe any investigation regarding the accuracy of the tax lien was done. This credit bureau was quick to put information on my credit ; however, when there is time to remove/update there seems to be a problem. A customer should not have to deal with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.