23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

PERSONAL NAMES : XXXX XXXX XXXX XXXX XXXX XXXX ONLY SHOULD SHOW : XXXX XXXX XXXX XXXX As this is the only name I use for credit ) EQUIFAX To Delete XXXX : XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX Account XXXX Account Type : Credit Card Account name XXXX XXXX never authorized to be added as an authorized user to this account Account XXXX Account Type : Credit Card Account name XXXX XXXX XXXX Account XXXX Account Type : Credit Card Account XXXX XXXX XXXX XXXX Account XXXX Account Type Auto Loan Account name Capital XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX social security number # XXXX DOB XX/XX/XXXX I have talk with all three credit company 's about Identity theft of my account this was over 8 years ago and there are things still appearing on my account like hospital bills, student loans, cable service, bills, auto loans, mortgages etc. I have never own a home and I do not even have a high school diploma to even go to college let alone all these hospital bills and cars and cables and phone bills. If that person does not live in the state of Mississippi its not me and I will have a lawyer to step in if they do not resolve all this in 45 days I have been patient with them and their still letting some people still my identity I just had some one arrest in the state of TN for stilling my driver license thanks to the D.A XXXX XXXX for bring this guy to justice. And there are hundreds more still stealing our lives please help me. Thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I became aware of fraudulent activity against my credit through my membership in XXXX XXXX , through XXXX XXXX . Two CRAs, XXXX  and XXXX are listing 2 separate attempts from Midwest Recovery Systems,XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX MO XXXX to obtain money in the amounts of {$4100.00} and {$3300.00}. XXXX lists the original debt as from XXXX, location unknown. This is likely a check cashing/payday loan operation. I have never used this company 's services, nor that of any other such entity. It should be noted that I filed fraud complaints in XXXX that were of a similar nature e.g., loan shops. Those complaints were investigated and resolved as fraud against my name and confidential information. 
The XXXX XXXX XXXX I spoke with on XXXX said that sometimes these old files are resurrected and sold to another entity. The amounts in the prior fraud were approximately {$4000.00} and {$2500.00}.
Product: Credit reporting 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. 

Account Name : 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  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: Money transfer, virtual currency, or money service

Hi, I had Venmo account for many years. 
Recently I opened their new advertised teen account for my XXXX XXXX XXXX son and deposited {$70.00}. Right after that both accounts became " frozen " and completely unusable. Can't do anything, send it withdraw my money. Contacted Venmo support multiple times. XXXX times called them + opened tickets. No help there. It's super frustrating for me and my kid. 
Venmo support keeps telling me they will review in XXXX business days, but actually nothing happened
Product: Credit card or prepaid card

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX Wells Fargo XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted XXXX XXXX XXXX. I spoke with XXXX supervisor employee number # XXXX on XXXX XXXX XXXX  at XXXX approximately to discuse why a late payment was sent to the Credit bureau department after an agreement had been reached, for my payments to be pushed back two months and that my next payment would not be due until XX/XX/year>. The agreement was sent by email it was sign electronically I sent it back on XX/XX/year>. The agreement states that I have 10 days to sign the agreement which I had comply but they still reported me late to the consumer credit bureaus and my credit score dropped XXXX points they violated the contract agreement and refuse to remedy or fix the problem. I kept my agreement XXXX XXXX XXXX  violated my rights and reporting me late when that was not the agreement. I stated on XX/XX/year> I want to make this agreement so I wont be reported late and they reported my late anyway when they agreed not to.
Product: Debt collection

I was living in the country of XXXX from XXXX to XXXX in XXXX someone opened a personal loan from XXXX XXXX in the amount of XXXX dollars i have sent copies of paper work showing i was not living at a address the the loan was giving to they also said that a few payments where made from a account that i stopped using now the account went into collections from Collins Asset group/XXXX XXXX  If needed i can send a coy of my XXXX government ids and paper work from ssn and the VA hospital XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX  XXXX XXXX XXXX XXXX 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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

Please take note that this constitutes my numerous written request, indicating my firm intention to pursue litigation in accordance with the FCRA to uphold my rights and seek relief, including all monetary damages entitled to me under 15 USC 1681n and 15 USC 1681o, regarding your continued willful and negligent noncompliance.

Despite previous written requests, the unverified items listed below persist on my credit report, which is a clear violation of Federal Law. According to the FCRA, you are obligated to possess a copy of the original creditors documentation to verify the accuracy of this information. 

In both the initial investigation and subsequent reinvestigation, you asserted in writing that these items were " verified '' and being " reported correctly ''. I am left questioning who conducted this verification process. Furthermore, you have not provided me with any original documentation, such as a consumer contract bearing my signature, as mandated by 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Additionally, you have neglected to furnish the method of verification as required under 15 USC 1681i ( a ) ( 7 ). It is important to note that under 15 USC 1681i ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information that can not be verified. 
Discharged XXXX : Bankruptcy Reference Number XXXX.
Product: Credit card

Your members are your mission. 

That's Navy Federal Credit Union 's motto. 

They treat me like I am a former member via emessage with the same run-around responses. I feel the responses are all automated/scripted as it doesn't sound like it comes from a human being because there are no names associated to each response. 

They always refer me to complete the PFA ( Personal Finance Application ). Once completed then it will be a phone conversation with a counselor. That is not necessary because I already completed one in XX/XX/XXXX and was denied. No changes since then. TODAY is XX/XX/XXXX. If I apply I will most likely be denied again. So what's the point of completing another application if no changes??? Help me help you!
Product: Credit card or prepaid card

This business purposely makes it difficult for customers to make a one time payment against the account. In fact, the business has been drafting an monthly auto pay out of the specified bank account each month. However ; this XXXX, I attempted to make a one time payment on my account for {$1500.00}, it claims payment failed. Why? This is for account number : XXXX.
Product: Credit reporting or other personal consumer reports

Chase abruptly canceled my credit card with no explanation via letter and mentioned account will be closed. The account was set up on auto payment, they failed to process the last payment and I never received any past due notice or calls that it was past due. 

I have a history with chase where they have cancelled by Business/Personal accounts without logical explanations. The account currently reflects a credit balance, which is confusing given their abruptly cancelation with zero explanation. This is wrongdoing to cancel accounts with no explanation and not collect final payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Inquiries : US SM BUS ADMIN ODA XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my accounts.
Product: Checking or savings account

I ordered a computer from XXXX XXXX XXXX and I never received a product so I requested a refund and they never refunded me my money so I filed a dispute with chime. After about 3 weeks they closed my dispute and said it was settled without giving me any refund at all or temporary credit. I called over and over again to have it reopened and I even have proof from the company that says they are not going to refund me the money and it is up to chime. Chime is refusing to refund my money so they are basically just stealing my money and playing games. It has been a month and a half now and my truck is still broken down because I can not buy the computer until they refund me my money. I have not received any product any service or refund. I've had to call in and talk to chime everyday for 2 weeks now spending hours on hold. Please help me resolve this issue. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED TRANSUNION CREDIT BUREAU IN REGARDS TO FRAUD ACTIVITY ON MY CREDIT PROFILE. I HAVE CONTACTED THE COMPANIES AND TRANUNION, SUBMITTED A POLICE REPORT AS WELL AS A STATEMENT AND THREE DIFFERENT 609 LETTERS REQUESTING IN WRITTING TO HAVE ACCOUNTS BE VERFIED AS WELL AS A STATEMENT NOT ONLY WAS THERE NO SOLUTION TO THIS MATTER BUT IT HAS TAKEN A COURSE OF MAJORITY OF THE YEAR AND NO RECOURSE HAS BEEN DONE. I CONTACTED THE FRAUD DEPARTMENT AND THEY STATED THAT THEY COULD NOT ACCEPT THE POLICE REPORT I PROVIDED AND THAT I MUST CONTACT THE COMPANY IN WHICH THE CREDIT LINE WAS OPEN. 

I SUBMITTED THESE DOCUMENTS VIA FAX AND HAVE CONFIRMATION NUMBERS IF REQUIRED. 

I HAVE LETTERS DATED FOR FOR FOLLOWING DATES : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX THE POLICE RECORD FILE NUMBER IS XXXX LOCATION WAS XXXX XXXX CA DATE ON REPORT WAS XXXX XXXX XXXX I REQUESTED TO SPEAK TO A FRAUD SUPERVISOR AT XXXX AND WAS TOLD SEVERAL TIMES THEY COULD NOT ACCEPT MY POLICE REPORT. I AM A XXXX VETERAN AND MARRIED TO AN XXXX XXXX SPOUSE. WE CURRENTLY RESIDE ON XXXX XXXX BASE XXXX XXXX. THE SUPERVISOR STATED THE REASON THEY COULD NOT ACCEPT THE REPORT WERE DO THE FORMAT OF THE REPORT ... ETC. WHEN I CONTACTED THE PROVOST MARSHAL OFFICE IN REGARDS TO THIS MATTER AND TRANSUNION WOULD NOT ACCEPT THE POLICE REPORT THE REPRESENTIVE DIDNT HAVE AN EXPLAINATION AND WAS CONFUSED. I HAD ALSO SUBMITTED THE SAME POLICE REPORT TO XXXX  AND TRANSUION IN WHICH THEY TOOK IMMEDIATE ACTION.

NOT ONLY ARE THE FRAUDLENT ACCOUNTS ARE REPORTING NEGATIVE ON MY CREDIT PROFILE BUT TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE THESE ACCOUNTS. I AM VERY DISAPPOINTED IN THIS SERIOUSNESS AND DELIQUENY IN FOLLOWING UP IN AN URGENT MATTER THAT SHOULD HAVE BEEN RESOLVED FIVE MONTHS AGO.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX  XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to my complaint submitted to the FTC in XXXX. Somehow this was forwarded to the CFPB for review under Complaint ID XXXX. I was supposed t receive a result on this within 15-60 days from the date XX/XX/2020 as per the letter received USPS, however I received nothing. Upon further review and closer examination, I noticed that my name was misspelled as " XXXX XXXX '' although this complaint along with three other submitted to the FTC that same day against all three credit bureaus and the company XXXX was written by me and submitted correctly under my name " XXXX XXXX AKA XXXX XXXX '' so I can not understand how this error could have been made on four letters received from the CFPB. Furthermore when I queried the complaint ID in the system I found no information. I am resubmitting this and would like an investigation to be conducted on each bureau for their practices. See my original letter below with additions. 

RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against TRANSUNION Despite my attempts to dispute several items they are reporting erroneously on my credit report, they continue to violate my rights by allowing these incorrect items to remain, have not provided the proof I have requested, and instead they blatantly ignore any of my requests. I have also made a separate complaint with the FTC and with CFPB regarding the inaccurate reporting accounts ( XXXX ) which has been logged under XXXX. Transunion has allegedly reinvestigated my claims although the dispute results have absolutely NO CHANGES. They have a responsibility to do so and it is their responsibility to maintain the accuracy of consumer credit reports. Additionally they have been inserting INCORRECT INFORMATION and stating that I requested this info be inserted or " updated ''. Why would i request that incorrect information be put on my own credit report? 

Over the past several months, I have tried to resolve this issue, but to no avail. They have failed to supply me with my annual credit report which I am entitled to for free. I have made two requests and they continue to BLATANTLY IGNORE ME. In addition to this, They have me listed as XXXX XXXX, when that IS NOT MY NAME. I am XXXX XXXX. For some reason they refuse to correct or acknowledge me by this name despite the fact that they have proof and know exactly who I am. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance. I am attaching some of the correspondence sent via US certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, account name 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
Product: Credit reporting or other personal consumer reports

I SENT MULTIPLE LETTERS REQUESTING A BANKRUPTCY FILE BE REMOVED FROM MY CREDIT REPORT. WHEN I CHECKED MY RECENT CREDIT REPORT THE BANKRUPTCY FILE WAS STILL REPORTING. I REACHED OUT TO THE UNITED STATES BANKRUPTCY COURT AND THEY RESPONDED THAT THEY DO NOT REPORT INFORMATION TO THE CREDIT BUREAUS AND THEY DID NOT REPORT ANY INFORMATION IN REGARDS TO ME TO THE CREDIT BUREAUS. I HAVE AN ATTACHED LETTER VALIDATING THEIR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to blocking made on the basis of a material misrepresentation of factory me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as consumer. 


SEE ATTACHMENT