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

Just happened XXXX  and the XXXX of XXXX I was using venmo which is a finance company that a lot of people use because I can't get bank accounts I've been unable to get a bank account because I can't prove my residence because I just rent a room in a house.. The XXXX XXXX has done more harm than good. I was using the XXXX application on venmo I paid for {$100.00} worth of XXXX and I forgot to turn my card off and they took another {$200.00} and XXXX off of my card without me knowing about it.. did you try to turn my card off immediately right afterwards but I forgot. This seems to be a problem with XXXX than anybody that's buying Bitcoin.. I often use my card in stores and paying for things in restaurants but I never have the problem it's only when I buy XXXX it seems like the scammers are actually monitoring people accounts that are buying XXXX  and trying to steal from accounts that are not secure. 
Right now at this present time in the past 3 months I've lost {$550.00} from XXXX XXXX weeks ago I lost {$200.00} from XXXX, this XXXX XXXX  about XXXX Something needs to be done about the security of these payment processing companies they're not really securing your money at all It seems to me as though someone or the scammers are monitoring these payment things to XXXX  because they know they can't be traced. I know that there's a software that you can use to really monitor these things that are happening to these people that are using finance companies. 
I'm losing too much money with this I'm on a fixed income and this is some of the ways that I can pay bills through XXXX  it helps me a great deal I don't have a way to get checks.. 
Venmo can't supply security for their XXXX  platform on their their accounts they shouldn't be offering XXXX  and they should be told that people are not secure when they're buying XXXX... 
The the process to buy XXXX is pretty easy and very secure usually with a bank When finance companies should be offering the same security for paying bills and they're not.. they all should be using at least XXXX encryption on all accounts.. when people don't have the ability to get bank accounts because of just things silly things like residents it causes a bunch of problems the XXXX XXXX has been a real problem for me and I know it's been a real problem for other people.. because I don't have a lease and I usually live in roaming houses I can't really prove my residence I have to do other things that prove my residence.. these finance companies are XXXX XXXX  need to start using the same security that Banks use and using XXXX encryption... 
I need help with this cuz I am XXXX XXXX XXXX I'm on the fixed income I need some secure way to pay bills without constantly looking for money orders.. 
Something's got to be done with these XXXX XXXX  they've got to start using encryption or more secure ways to for people to use their platforms..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote to the credit reporting agency and also send the letter I received from the court stating that they did not send or share my private information with the credit reporting agency. A Bankruptcy is being reported in my credit file which should not be reporting on my file. this is a violation of my consumer right pursuant to the privacy act of 1974 -5 U.S.Code section 552a. this law applies to the access to, and disclosure of, records of individuals held by federal executives and regulatory agencies.The agency also violates 17 CFR 230.425 filling of certain prospectuses and communications under section 230.135 in connection with business combinations; soliciting materials according to rule 14a-12 under the exchange act and Sarbanes-Oxley act of XXXX XXXX This error on the credit reporting agency part is destroying my life, I am depressed and now suffering of anxiety, I am being denied credit. I have not given this agency a written consent to report this information in my file yet they are reporting what ever they feel like selling and buying my personal and private information, they are also violated 17 CFR 248.124 Reasonable opportunity to opt out. I have tried to resolved this issue in 2022 and I have been ignored and disrespected every and each time I have reached out in good faith.As a federally protected consumer I am opting out of any and all authorization I the consumer may have giving you per 15 USC 6802 per the opt out law cease and desist immediately reporting the bankruptcy on my credit file.The violations include obtaining information under false pretence, pursuant 15 USC 1681q ; permissible purpose of my consumer report.15 usc 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that I have several unverified and unauthorized inquires that must be removed. I have contact XXXX, TransUnion, and XXXX regarding these unauthorized Inquires this would be my third time reaching out to them regarding the same matter. These are not my inquiries and according to the ( FCRA ). Legally these unverified and unauthorized inquiries must be removed. I've listed each unverified and unauthorized inquiries below for XXXX, XXXX, and TransUnion. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am requesting that XXXX fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize my debt or personal information to be sold to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$550.00} I did not authorize my debt or personal information to be sold to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$570.00} I did not authorize my debt or personal information to be sold to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$590.00} I did not authorize my debt or personal information to be sold to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$700.00} I did not authorize my debt or personal information to be sold to Portfolio Recovery on XX/XX/XXXX in the amount of {$900.00} I did not authorize my debt or personal information to be sold to Portfolio Recovery on XX/XX/XXXX in the amount of {$1300.00} I have contacted these companies asking for proof of my consent and none have been able to provide me the proof that I authorized any of these sales of my debt or information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions to have my credit report updated with XXXX, my report has not been updated since 2018.
Product: Debt collection

The debt collector agency has called me more than 2 times a week. Every week.
Product: Mortgage

continue Complaint # XXXX. Please view the misrepresentation Letter submitted as an Attachment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, offered me a settlement on my credit card. I was to pay {$1200.00} on XX/XX/XXXX, {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. The agent said when I make the final payment, I would receive a letter saying I satisfied my obligation, and the account would be reported to the credit bureaus as " satisfactory, paid as agreed. " But a credit monitoring agency informed me that XXXX reported the account to the credit bureaus as delinquent. When I contact XXXX, my call is always transferred to collections, and rude agents refuse to provide any information. In addition, XXXX has not sent a letter saying XXXX fulfilled my obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account had been delinquent since about XXXX years ago, it may have been on my credit report back than, yet it reappear on my credit report as a current account but deferred and being paid as agreed. I have no communication or agreement to make my account current or pay. All what was reported is false. I believe the reinserted account shouldnt be on my credit report. The XXXX-year credit report limit begins on the date the debt became delinquent with the original creditor. I want the credit agency to remove the information from my credit history and to request the reporting collection agency how in the first place it becomes current, after XXXX years.
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ) .The lender is refusing to review the client file - the package for review has been faxed 2 times and they are stating it was never received - this has been faxed again today, but they are stating it is not 37 days prior to sale and a review can not be completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate, fraudulent information of a company that I have never had any association with. I am a victim of identity theft and have provided XXXX with copies of my valid legal identity. /this derogatory data, is resulting in failure of me obtaining a job promotion.
Product: Credit card or prepaid card

I used XXXX XXXX to help me move from XXXX  to XXXX. They said it would be {$1500.00} to move my stuff, and will not be anymore. I have a receipt that shows that - That I uploaded and sent to my bank. 
The moving company then switch companies to another moving company, and then I was told once they arrived in GA that I would have to pay another {$1300.00} Cash or they would not release my stuff. It was the most egregious bait and switch extortion I've ever been a part of. 
I explained this in detail and Bank of America said they can't get the cash back obviously, but if there was any transactions via credit card they would get that back. 
I told in detail my situation and a bank manager said as long as I fill out everything and upload the paperwork I have I will def get this claim to approve. I did everything and called the bank a week or two later and they said it was approved. 

Today I got an email saying my claim was denied and that I never uploaded any paperwork. Totally false. I will be getting the {$510.00} back if I have to open a lawsuit so be it..
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX 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 Account Number : XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently purchased A copy of my consumer credit report and learned that I have many unauthorized hard inquires hurting my consumer credit report. I did not authorize ANYONE to MIS-REPORT or fraudulent use my social security number for any purpose or matter without my written consent please have every inquiry removed immediately. 


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/year>
Product: Checking or savings account

Since the, beginning of XX/XX/XXXX. I open an account at the branch office in XXXX California come to find out recently I have been according to the Bank of America customer with them says XXXX, but seeing as I had previously closed my account that I had open in XXXX, California it shouldve been a brand new account as of XXXX. I havent had nonstop Im going to issues with somebody either. We riding my payments or taking from the account making purchases withdraws as well as transfers without consent when contacting Bank of America to investigate this information, they do not provide proper details regarding the situation for example, purchases madeby XXXX for items that were not receive but yet do not show up on the account statements as paid for of even reversed. Im under the impression it has been done internally by somebody that works for Bank of America and this issue needs to be thoroughly investigated as I continue to have to report unauthorized charges as well as receive a new card like 6x in one month. 
All the companies are involved in creating this chaos with my identity are XXXX, XXXX Bank of America as well as XXXX some familiar has to do with the stock market put two and two together you guys are investigators. You guys should be able to figure it out I did, but nobody wants to listen to me about it.!
Product: Prepaid card

Awhile ago I received a letter ( 2 pages ) & ( 2 pages from New York Community Bancorp.INC. ) and also the Debit Card From CA middle Class Tax Refund Card XXXX XXXX XXXX, XXXX, XXXX XXXX I did everything as instructed, Activated the card, entered pin # but when I tried to use the card, it did not work. 
I called a few ph XXXX  XXXX that are on the info, no one answered XXXX this is for CA XXXX XXXX XXXX refund XXXX, New York Community Bancorp . Inc. the consumer privacy notice, no answer either I've a problem getting middle class tax refund, entered XXXX XXXX XXXXXXXX this web site asked me to enter ID, password, I did & took me to XXXX, the answer I got " website address does not exist or has been changed ''. 

I dont know what to do
Product: Debt collection

There should be one reference number but I was informed there are two reference numbers connected to this alleged account. Tampering with original content from the alleged account is unacceptable and misleading to the accuser.

It is referenced that I gave written instruction to the original creditor when I first opened the account to the original creditor.

Where is the original account with my signature so I can view it for myself??

This is hearsay and validation has not been provided.

I continue to request validation of this account and I have yet to receive it.

Furthermore this alleged account has already been deleted from my credit file through XXXX. 

As I looked further, I see the other two credit reporting agencies are still reporting the alleged account.

The reason they are still being reported on the other two is because the " month and year this item will be removed '' date is inconsistent. The information should be the same across all three major credit reporting agencies but it is not. This alleged account should be removed immediately due to inaccurate reporting and what seems to be considered re-aging the account. 
Midland has not validated this alleged account and can not continue to report inaccurate and inconsistent information.

I am submitting exhibits to show that Midland did not report accurately and consistently.

You will also see " terms frequency '' is inconsistent between the three major reporting agencies.

The " loan type '' is inconsistent.

I see that this alleged account is being reported as closed and as a collection across all three major credit reporting agencies. It should report the same all across the agencies.

I am attaching supporting documents that will show that inaccurate and inconsistent information is being reported.

I am requesting that Midland be removed from the two remaining major credit reporting agencies immediately!
Product: Debt collection

just got notice checking my credit and saw that it was a collection on my acct from XXXX in my name. I just turnt XXXX yrs old. How can somebody put an t-mobile acct in my name? I have reach out to XXXX to try and fix this but they were no help at all.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ATTN : Midland Credit Management XX/XX/XXXX Subject : Dispute of Inaccurate Collection Account Reporting and Request for Investigation To whom this may concern, I am writing to formally dispute the debt referenced by the account number [ XXXX ], which your agency is currently attempting to collect. I believe this information is inaccurate and must be corrected. As per the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with verification of the debt. Specifically, I ask that you supply a copy of the signed contract or agreement. Please include a copy of my signature, as I have no recollection of agreeing to such terms or entering into any agreement with your agency. I have already requested validation of this debt in a letter dated XXXX. The details of the account in question are as follows : Midland Credit Management-XXXX XXXX  Account Number : XXXX Amount : {$380.00} I request a thorough investigation of this account and a correction of the information on my credit report.

Please provide me with the following : 1. A copy of the results of your investigation into this matter.

2. A corrected copy of my credit report reflects the updated status of this account.

Please conduct a thorough investigation of this account and ensure that the information reported to the credit bureaus is accurate. If this debt can not be verified or is deemed incorrect, I request that it be removed from my credit report, as it is causing unnecessary harm to my credit standing. 
Due to the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I request that you perform a comprehensive investigation as mandated by the FCRA.

It is my understanding that under the law you have 30 days from receiving this letter to verify this item. Failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the address above. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

Please provide me with the results of your investigation and any supporting documentation for your findings. I would appreciate a prompt resolution to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your time and attention to this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting 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 any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 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 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I need to dispute 4 transactions in my account made with my Debit card. 
The merchant never sent the items and I tried to reach the bank by phoen many times, nobody answered. 
So I sent them an email to " XXXX '' and they answer I should call them, but they dont pick up the phone so XXXX forced to submit a complain at CFPB. 

XXXX ) XX/XX/2021, XXXX {$810.00} It was an XXXX, must be delivered on XX/XX/2021 XXXX ) XX/XX/2021, XXXX {$84000.00} It was an XXXX, must be delivered on XX/XX/2021 XXXX ) XX/XX/2021, XXXX {$96000.00} It was an XXXX XXXX XXXX, must be delivered on XX/XX/2021 XXXX ) XX/XX/2021, XXXX {$97000.00} It was an XXXX XXXX XXXX, must be delivered on XX/XX/2021 XXXX