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

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. In accordance with 15 USC 1681c 2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were opened due to unauthorized access to my personal information. 
Accounts to be Blocked and Deleted XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$30.00} Inquiries to be Blocked and Deleted 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The day after filing a report with the Consumer Financial Protection Bureau involving TransUnion, TransUnion has retaliated by placing something negative on my Transunion credit report. This morning XX/XX/2021 labeled a department of education account derogatory. The Department of Education and XXXX are duplicate or morphed accounts ; that no longer exist. I have attached printouts.
Product: Debt collection

Intentional communication of false credit information and defamation.

Financial abuse.

Predatory lending practices.

Use of a false business name.

Complaints filed with Consumerfinance.gov, CFPB and FTC. -- -- -- - Debt was discharged in ( do not want to provide state ) District Court XX/XX/XXXX in the amount of {$7300.00}. 
-proceedings, arbitration, mediation and dismissal of case in favor of the defendant ( myself ). 
Ruling granted per " deceptive practices '' from plaintiff, Gateway financial services -- -- -- - Resold XX/XX/XXXX intentionally to subsidiary with prior knowledge of debt discharge ( Gateway Financial Services sold debt to GFS2. ). -- -- Resident agent has not changed since origination of contract, attempts to sue or court proceedings. 
-- -- Disputed with all credit reporting agencies 3x - no removal from GFS
Product: Money transfer, virtual currency, or money service

Venmo was used as the payment method to receive XXXX. Buyers come to XXXX to pay me with XXXX transfer and receive XXXX. Very simple until Venmo decides to reverse 3 payments totaling {$440.00} ( {$40.00}, {$50.00}, {$350.00} ) 2 weeks after I received them. I was attempting to " standard transfer '' my funds ( {$440.00}  ) to my bank account ( which uses ACH protocol ), when I received emails stating they can not initiate and that my account has been terminated. What do I do? Like any normal person, I go to customer service and chat with their specialist who can not tell me anything because front facing customer service representatives are not allowed to know internal information. Understandable, and after another week and half I finally got hold of the Head of some department through email, to which they state they reversed payments and I must collect the funds myself by contacting these users. What? I explained to them that I can not contact users because these were " one-time '' deals. I have done my hardest to do searches for these users using virtually nothing but a username. Nothing ... Venmo refuses to even talk to me anymore stating I am banned from customer service and that I must contact a lawyer! 
How is this even fair? they reversed it weeks after expecting me to collect the funds they reversed? and then ban me? expecting me to collect it using another service? I dont know these people and they refuse to reimburse or even do anything. I have all emails and customer service chat records.
Product: Credit reporting

After checkichecking my credit report i have several hard inquires that i did not make ... .there was XXXX that i authorized ... ... .all others were not authorized by me ... ... .what can i do to have these inquires removed and what can i do to find out why these hard inquires were pulled on my credit ... ... .who authorized these????
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 XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXNVESTIGATION was not complete, and they did not do their due diligence. They are willfully being noncompliant with the law. The following accounts are not on any other reports but XXXX, this is still inaccurate, incomplete and now in noncompliance which are all violations. The accounts they are willfully in noncompliance with are the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but it is on XXXX with different information and on Equifax with different information. Inaccurate violations as well for XXXX AND EQUIFAX. Every thing must be complete and accurate. Most of the information on my credit file is inaccurate and incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy XXXX  XXXX RE : XXXX has violated my rights 15 9.5.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

TransUnion and XXXX keeps posting inaccurate information on my credit profile
Product: Debt collection

This company has reported an account to the credit bureaus which is currently reflected as.negative.information on my credit file. As a result I have received adverse action and high interest rates. I never received any notice or a right to dispute.this account. The debt is in the amount of XXXX and this company never served.me.any notice, gave the right to dispute.nor have they validated this information as it is requires.by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the FCRA XXXX XXXX XXXX  XXXX and XXXX XXXX has violated my rights under 15 USC 1681 section 602, which states that I have the right to privacy furthermore 15 USC 1681 section 604a 2 call also states, a consumer reporting agency can not furnish an account without my written instructions. Oh, lastly, under 15 USC 1666B and creditor may not treat a payment on a credit card account on an open-ended consumer plan as late.
Product: Debt collection

I have tried numerous times to tell all reporting agencies that the debt with XXXX was not mine and that I never even lived at the address listed. I was also part of the XXXX breach. The name listed on the account is not my name, so now I have a copy of my lease!!!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau. ( CFPB ) has recently Filed a lawsuit against Experian, alleging systemic issues such as failing to consumer provided evidence to furniture, excepting unreliable responses, and failing to adequately, notified consumers of dispute outcomes. These failures aligned with my experience where Experian has neither corrected nor removed disputed items. Despite the evidence I provided causing ongoing harm to my Credit standing. I am requesting immediate corrective action to remove or men that is viewed accounts, as experience in action, violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. In additional, I have sent letters to 3 bureaus however I haven't receive any response from them. I am questioning the capabilities of the bureaus on their investigation. Please do something on this! 
XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have took XXXX XXXX XXXX  of my credit report and then again put back on my credit report. if something is charged off, doesn't that mean they no longer have the " Apparent Verified '' contract and have written off the debt? Therefore, should be delete. provide me with copies of all documentation associated with these items that have been placed in my credit report, bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, any items negatively reporting, needs to be immediately deleted from the credit file you maintain under my name and social security number .I dispute XXXX XXXX XXXX : incorrect balance, payment history, last payment made, last activity, date account was opened, high balance, amount pass due, account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report from Equifax and XXXX, I noticed several medical accounts in collections. Ive called the collection agency which is XXXX XXXX XXXX more than 30 times requesting verification/validation that the collection accounts belongs to me. Each time the customer service representative I spoke with stated that they cant verify the debt. Ive disputed the collections accounts with XXXX  and Equifax several times and each time it came back as verified. Ive also sent Method of Verification letters to both XXXX and Equifax. The disputes was closed because it was verified as accurate. The two credit bureaus above refused to provide me with their Method of Verification for the collection accounts with Optimum Outcome listed on my credit report. According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available.

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$450.00} ; XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX  {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX  : {$17000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$370.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$690.00} ; XXXX XXXX XXXX XXXX XXXX {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$330.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$530.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$420.00} ; 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 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: Money transfer, virtual currency, or money service

XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX GA, XXXX Date of Birth XXXX Last XXXX digits of Account number XXXX Subject : Urgent Assistance Required for Missing Wire Transfers Dear, Revolut Technologies Inc, I am writing to express my deep concern and frustration regarding XXXX wire transfers I sent approximately XXXX weeks ago. The receiving bank, XXXX XXXX, informed me that they were unable to accept the wires and returned them to the sending bank. However, I have yet to receive the funds back in my account, and I am growing increasingly distressed by the lack of resolution and clarity from your team. 
Here is a summary of the situation : XXXX. The XXXX wires were initially sent about XXXX weeks ago. 
XXXX. XXXX XXXX, the receiving bank, was unable to accept the transfers and returned them to the sending bank, XXXX. 
XXXX. After not receiving the funds for about XXXX business days, I contacted XXXX customer support to explain the situation and requested a recall of the wires. 
XXXX. I was informed that the recall could only be initiated XXXX business days after the scheduled return date. 
XXXX. After the XXXX business days passed, a claim was submitted by XXXX back office department to recall the wires. 
XXXX. After another XXXX weeks, I was informed that the back office team was unable to recall the wires without a trace number from the returning bank. 
XXXX. I then visited XXXX XXXX and obtained the trace ID numbers for the returned wires. I immediately provided these numbers to your team. 
XXXX. Despite providing this information, I am being told that your bank still has not received the funds from the returning bank. 

It has now been XXXX weeks, and I am still missing a significant amount of money. Throughout this process, your customer support team has been completely unhelpful and appears incapable of resolving the situation. Furthermore, it is extremely frustrating that there is no phone number available for me to speak to someone directly about this issue. The lack of effective communication and resolution is unacceptable, and I feel as though I am being given the runaround. 

I urgently request that you escalate this issue to the appropriate department and provide a clear and immediate solution. I need to know when I can expect the funds to be returned to my account. If this issue is not resolved promptly, I will have no choice but to escalate this matter further. 

Thank you for your prompt attention to this issue. I look forward to a swift resolution. 
Sincerely, XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX GA, XXXX Email : XXXX Phone number- XXXX Date of the wire transfer XX/XX/scrub> 2024, and XX/XX/scrub>, 2024 Amount : {$300.00}, and {$100.00} Reference Number from beneficiary bank for returned wire transfers, REF # XXXX, REF # XXXX
Product: Payday loan, title loan, or personal loan

I realize that your lending entity operates under tribal laws and are apparently not subject to normal consumer financial regulations, but I would like it known that over the course of the last year I have paid {$1000.00} to your agency in loan interest and fees, not including the loan principal amounts. I think that this is an extremely predatory practice that preys upon people without access to regular credit, on top of causing me severe financial duress and potential eviction from my residence.
Product: Credit reporting or other personal consumer reports

My credit report has information on it that is inaccurate and I'm proper authority to get the following corrected. According to 15 US Code 1666b, timing of 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. 

XXXX, the following companies are reporting late payments : XXXX XXXX  : TransUnion, the following are reporting late payments : XXXX XXXX  :
Product: Credit reporting or other personal consumer reports

Transunion responded to my CFPB complaint and stated that the account XXXX XXXXXXXX was deleted from my credit report due to inaccurate reporting. Transunion failed to delete the other accounts that were addressed in the dispute letter. Simply saying that an account was updated without sending proof of the validation is against FCRA guidelines. Please investigate and remove the following accounts from my credit report XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The account has discrepancies between the XXXX bureaus. I do not believe an investigation was done. You have failed to validate this account. Additionally, as per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), please provide me with the names and business addresses of each individual who verified the aforementioned items, so that I can follow up accordingly. If you can not furnish this information, remove the account from my credit report. I attached the dispute letter, which is dated, and time stamped along with the inaccurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am opening another complaint against TransUnion. I have submitted proof multiple times that an account has been paid in full, but TransUnion states it does not meet criteria, but will not inform me what criteria needs to be met. TransUnion does not look into whether or not something is accurate when it is first added to your credit report, but when solid proof is submitted to prove inaccuracy, they do no correct the errors. The balance in question for XXXX XXXX has been changed from {$1800.00} to {$0.00} and back to {$1800.00} in a 3 day span. Each time my credit score is affected differently. So, once again I am submitting the contract with a PAID IN FULL stamp that was provided to me by XXXX XXXX and I expect the balance to be updated and kept at {$0.00}. When I asked for proof that my account was paid in full this is what XXXX XXXX provided me with and should therefore be acceptable to the credit reporting agency. You will also notice that the CHARGE OFF DATE was XX/XX/XXXX where as the paid off date is XX/XX/XXXX therefore proving yet another inaccuracy in the reporting.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is a formal complaint letter concerning inaccuracies and discrepancies I have found in my credit report. I Have recently pulled my credit report having negative and inaccurate information has affected me trying to buy a house. I have disputed with XXXX and mailed all the companies disputes and validation letters of all my accounts, it has been XXXX  days since I mailed the request. XXXX has failed to provide me with information for validation and XXXX said It will be removed and is still affecting my credit because ids not removed. 
XXXX. LVNV funding LLC XXXX XXXX XXXX Account {$620.00} = XX/XX/XXXX. 
XXXX. XXXX XXXX  XXXX XXXX Account {$0.00} = XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2018, Judge XXXX XXXX, entered an Order setting aside the garnishment. The Court Order states that all funds held by Bank of America ( Garnishee ) must be release to defendant XXXX XXXX. The order also reflects that the garnishment is dissolved. On the very same day, i furnished a copy of the Court Order to Bank of America legal team, however BOA has not updated the account or set aside the garnishment pursuant to the Court Order. Numerals calls have beeb made to BOA and they continue to delay the process and this creates additional hardship to defendant. BOA has ignored a court Order, BOA should be sanction.