23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Dear Sir/Madam, I am writing to file a formal complaint against Venmo, a financial service provider, regarding an ongoing issue that has severely impacted my ability to access and use my Venmo account. Despite numerous attempts to seek resolution through Venmo 's customer support, I have not received satisfactory assistance or a clear path to resolving the problem. 

On XX/XX/2023, I encountered a persistent and recurring issue with my Venmo account. Specifically, I received a " 0Auth Exception Error '' while attempting to access my account and perform various transactions. This error has not only disrupted my ability to make payments but has also caused significant frustration and inconvenience. 

Upon encountering this issue, I promptly reached out to Venmo 's customer support for assistance in resolving the problem. My ticket numbers are XXXX and XXXX. In my initial contact, I explained the situation in detail and provided all necessary information, including my account details and the specific error message received. 

However, the response I received from Venmo 's customer support was far from satisfactory. Their only advice was to " wait for 24 hours and try again. '' When I inquired further about what to do if the issue persisted after waiting, I was simply told to " wait again. '' This lack of clear guidance and concrete steps to address the problem has left me feeling frustrated and unsupported as a Venmo user. 

I have diligently followed Venmo 's instructions, waiting as advised, but the issue continues to persist. 

This issue has had a direct impact on my financial transactions and has caused undue stress and inconvenience. It is my belief that Venmo has failed to fulfill its responsibility to provide adequate customer support and resolve technical issues promptly. 

Therefore, I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that Venmo addresses this issue promptly and provides clear, effective guidance to users facing similar problems. 


I am hopeful that your intervention will lead to a swift resolution of this issue and prevent other Venmo users from experiencing similar frustrations. I appreciate your attention to this matter and look forward to a prompt response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

. I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to. How did they complete this investigation?
Product: Checking or savings account

I was the victim of identity fraud. I received a statement from Marcus by Goldman Sachs on an account that was opened by me and with the name of an individual I have never met or even know. I have never had any accounts with Marcus by Goldman Sachs. I called Marcus by Goldman Sachs and asked the account be closed as it was not me that opened it. MGS concurred that I was the victim of identity theft. MGS refuses to close the fraudulent account and even refuses to provide any information to close the account. I believe MGS is involved with fraudulent activity because they will not close this account or aid in the stopping of known fraudulent activity.
Product: Debt collection

I have written CMRE three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and called twice ( XX/XX/XXXX, XX/XX/XXXX ) requesting validation of this debt of {$380.00}, which I still do not have. I responded within the 30 day window to dispute, yet they had already reported this to the credit bureaus. The only thing I have ever received back is another invoice of charges, but no supporting proof of the debt. I have contacted the original creditor & they have no record of this debt at all. I have disputed with XXXX  and was told CMRE verified the debt as accurate when investigated. ( Although XXXX refuses to provide their method of verification. ) CMRE is violating my rights of the FCRA by continuing further collection activity, including credit bureau reporting, without validating this debt. They have ignored my requests for validation. This debt is not accurate, complete, or verifiable, yet they are continuing to credit report it. 

Furthermore, I believe they have re-aged this debt of {$380.00} from XX/XX/XXXX by giving it a new account number. I disputed this as well, but no response from CMRE.
Product: Payday loan, title loan, or personal loan

XX/XX/2023, I received an alert from XXXX XXXX XXXX about a new loan -- a loan that I had not applied for. This is in addition to the fraudulent use of my personal information discovered in XX/XX/2023, prompting credit freezes and fraud alerts placed on the three major credit bureaus and filing a police report. I investigated this new " loan '' to discover it was reported to XXXX XX/XX/2023, but not on the report, and I was not alerted until XX/XX/2023. I took action that same day. The loan was acquired through Affirm , Inc . I called Affirm to report the fraud and learned that the number used to verify identity with my stolen information was not my number. An online portal using Affirm subsidiary, XXXX XXXX, allowed this loan to go through. I have disputed this with XXXX XXXX as well as XXXX. I am disputing this again, as Affirm is denying my identity theft. I have made NO PAYMENTS, but the identity thief is making payments with VISA card that I do not hold nor is it listed on any credit report. This causes greater concern that the thief is using my identity in an unknown manner. I know this because these payments receipts are coming to my email address, as part of the identity theft, the thief used my email. 
I have submitted the police report to XXXX and requested that this be reinvestigated. 
I am using an ID resolution specialist also.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : 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 TransUnion 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 a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned account and collections 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 XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

United Wholesale Mortgage failed to pay my property taxes through my escrow account and now has transferred my service to a new mortgage company in an effort to not pay the late fees. Thus, leaving me having to try to figure out payment with the new mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have personally contacted XXXX, Experian , & XXXX credit bureau through phone, online, and certified mail. It has been 5 long months. Neither bureau can answer or explain the process that is taken to verify an account. I honestly admitted several times that I am unaware of the accounts Ive disputed but its becomjng more of a problem where I must take matters into my hands and contact my lawyer. We will be seeking legal matters. I have every right as a consumer because you have broken several FCRA laws. Section 609, 605, and  others but I want to get to bottom line of this. For the final attempt, what is the verification process? If you cant answer and prove the steps and process correctly by law you must remove the accounts that Im disputing. I have given you sometime to fix your errors but you insisted on being egotistic, and now you must pay the consequences for your actions in the courtroom. I have all evidence of the certified mail, phone calls that were recorded. I have my evidence and Im ready to take this to court and publish online about your company about the credit breach, you leaking my information, placing errors on my credit file, false information, not 100 % accurately verifying credit accounts & accusing consumers. I have contacted the creditors as well and this seems to be problem none are responding and are taking this situation as a joke which displays unprofessionalism total disrespect. Well see who gets the last laugh. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this is on there twice ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. And Pursuant to 15 USC 1681a, the transaction and the experiences between the consumer must not be included in the consumer 's credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received a copy of my credit report provided by Equifax, and I have noticed that transactions related to the XXXX XXXX XXXX account with the number XXXX have been incorrectly marked as late payments and reported by XXXX, Equifax, and XXXX. 

According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report. 

This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title. 

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX XXXX XXXX ) constitutes a violation of 15 U.S.C. 1681a. 

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Product: Credit card or prepaid card

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2020 with a balance of {$15000.00} which I did not make. I have filed this police report where I stated that I lost my bag with my cards & IDs inside, they advised me to submit a dispute to prevent fraud from happening again.
Product: Mortgage

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for violation
Product: Mortgage

I am the real estate agent trying to sell the home for an estate in probate located in Washington State. The amount owed on the home plus the compounding interest from the reverse mortgage far exceeds the current market value. I have submitted requests to Novad for approval of a short sale. Emails regarding the short sale were sent on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have tried calling the service center at XXXX several times and have not been able to talk to an actual person. The recording says hold time is 0 minutes. On XX/XX/2021, at XXXX XXXX PST I sat on hold for 38 minutes and left a message. On the same day, I called again at XXXX and sat on hold for 2 hours and 8 minutes. There is nobody to escalate my emails/phone calls to and need clear direction for resolution.
Product: Credit reporting or other personal consumer reports

I have yet to receive any feedback from credit bureaus regarding incorrect information on my credit report and the improper use of my report by allowing someone to furnish a hard inquiry or account not authorized by me XXXX XXXX. I am repeatedly being asked for information already submitted several times which is becoming a stall tactic for a thourough investigation.
Product: Debt collection

Ive tried to take care of this debt and its been owed since XXXX  and havent found a way to pay it off and they havent gotten ahold of me. And I dont know how to get ahold of them.
Product: Credit card or prepaid card

On XX/XX/XXXX I woke up to XXXX different withdrawal deposits from my XXXX active account with Netspend that I use daily! I call Netspend only for them to tell me that Netspend decided to go into my active account and cover past due fees that were on XXXX different past accounts that date back to XXXX that of course have been closed XXXX inactive for years. I receive no warning letter about them about to take over XXXX out my active account for some accounts over XXXX XXXX XXXX not all accounts were XXXX XXXX XXXX but dates bk that far to collect, why wasnt I warned about these balances prior before instead of just taking money out, just going into my active account without notice especially considering how old the accounts are! Why wait so many years to collect when I have always had Netspend with active deposit. That was my rent money they took now XXXX in a bind because of them is this even legal to go so far bk XXXX without notice???
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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Debt collection

Account XXXX XXXX Company name : Credit collection service XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Debt collection

Subject : Dispute of Collection Account Under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) Dear CFPB, I am writing to formally dispute the collection account listed on my credit report by Midland Credit Management . This account is associated with account number Account Number : XXXX XXXXXXXXXXXX and is negatively impacting my credit score.

Upon reviewing my credit report, I have identified the following issues, which I believe warrant the removal of this collection account : Failure to Provide Required Information : Under 12 CFR 1006.34 ( d ), debt collectors are required to provide specific validation information when attempting to collect a debt. Midland Credit Management has failed to provide the necessary validation information, including purchase agreement, the name of the original creditor and itemization of the debt. 

Incorrect Reporting Practices : As per 15 USC 1681s-2 ( a ) ( 7 ) ( A ), furnishers of information to consumer reporting agencies are required to report accurate information. In this case, the information reported by Midland Credit Management is inaccurate because the debt is being reported without proper validation and it does not belong to me. 

I respectfully request that the CFPB investigate this matter and require Midland Credit Management to comply with the provisions of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). Specifically, I ask that this inaccurate and improperly validated collection account be removed from my credit report immediately. 

Please notify me of the results of your investigation as soon as possible. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debt is considered a charge off. However, this is actually considered income because I should have received a 1099C in order to account for this as income, this is not a charge off. I'm requesting that this is removed because it is not debt, this is considered income and income should not be reporting on your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit files I realized that an account that doesn't belong to me is on my files. The account is from Nordstrom/TD Bank. I have tried multiple times to have this item removed from my XXXX credit file, but it has not been. This account is fraud, I never applied for it, and it needs to be removed ASAP. The account information is as follows. Nordstrom/TD  Bank ... balance : {$6400.00} ... date opened : XX/XX/2016. Remove this account from my credit file, it does not belong to me and is offensive. I have attached copies of my files as well as the police report I filed for this account.
Product: Credit card or prepaid card

I've contacted " Capital 1 bank '' to validate a debt they say I owe. They have not validated the debt. But, they still say I owe. The amount is for {$760.00}.