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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXXXXXX XXXX  XXXX XXXX BALANCED {$970.00} XXXX XXXX XXXX XXXX BALANCED {$10000.00} XXXX, XXXX XXXX XXXX ( Original Creditor : EMERGENCY MEDICAL ASSOCIATES O ) XXXX BALANCED {$1700.00} This account has resulted in several 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 account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is 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 account is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I review a report My credit report and a XXXX XXXX  was fraudulently on my report
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues that may violate the Electronic Funds Transfer Act ( EFTA ) as it requires it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/22 I mailed a letter to Experian disputing several accts that had erroneous information on them, & which subsequently are in direct violation of the Fair Credit Reporting Act. Experian received this letter on XX/XX/22 & NEVER RESPONDED which is against the Law ( FCRA ). On XX/XX/22 I mailed out another letter concerning this matter & AGAIN Experian DID NOT RESPOND. Today is XX/XX/22 & the following accts are still showing inaccurate & erroneous information, which is hurting my credit score & in direct violation of the FCRA : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I have given Experian more than 30 days to conduct a proper investigation & correct the information I had previously pointed out to them as incorrect. They refuse to do so. According to the FCRA, I have the right to % 100 accurate information on my credit report. This information is obviously inaccurate & I would like it removed immediately.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Venmo regarding the deactivation of my account without valid justification. On XX/XX/year>, Venmo deactivated my account, citing a violation of their User Agreement. However, I can confidently state that I have not violated any terms of the agreement. Despite multiple attempts to resolve this matter with XXXX customer support, including escalation to an Account Specialist, I have not received any clear or detailed explanation as to what specific violation they allege I committed. 

Instead of providing transparency or engaging in a meaningful review of the situation, Venmo has proceeded to permanently deactivate my account. I have consistently complied with all of XXXX terms and conditions, and this abrupt action has caused significant inconvenience. 

I am seeking your assistance in having my Venmo account reinstated and to ensure that Venmo provides a clear and valid explanation for their actions. The lack of transparency and arbitrary nature of their decision is both frustrating and unfair. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Vehicle loan or lease

I purchase a car XX/XX/2021 from XXXX XXXX XXXX in XXXX ohio through Credit Acceptance. XX/XX/2021 i was at work and my co worker came and grabbed me and said my car was on fire which it started through the radio, i began contacting XXXX XXXXXXXX XXXX  i talked to a manager who was extremely rude and hung up on me and said that wasnt his problem i dont owe finance company and not him. I then contacted XXXX XXXX They Told Me There was nothing they could do about it but put me on a payment plan. I then contacted the warranty company and tried to see if they could help, the warranty company told me i didnt have the car long enough or use up a certain mileage for it to be covered but i was charged an extra {$2000.00} for a warranty not to even work when needed. I Continued to pay the car note until i couldnt any more i still have bills and had to now pay for transportation all over again. I understand i did not have insurance at the time but i was young and so ready to jump into something i really didnt know about and i feel as if they seen me and took advantage of that but now that i am properly aware of my rights i will not continue to let this happen. I then went and purchase a new car and learned that i was double financed when purchasing the car and unaware so when trying to actually purchase a car the correct way was very complicated due to my credit dropping consistently. I then contacted XXXX and got an inspection on the car and they said the only thing they could find was a usb cord so i was at fault and needed to contact my insurance company. I Did have my charger in the car but it was not plugged up and i have images to prove that and even if it was plugged in the car does not give power with out the car being started so i couldnt possibly be at fault. 
I was over charged for a used car Warranty didnt cover No insurance coverage Caught on fire Double finessed Paid down payment not included in finessed agreement Did not receive cash in hand or form of check
Product: Checking or savings account

After 20 plus years as an account holder, Wells Fargo closed ( 2 ) bank accounts : my checking / savings account & Business Account for my rental property. I contacted the Customer Service number, unfortunately the agent said it was a business decision. The response was very vague and feels unfair. My accounts have good balances and funds move every month. My wages have decreased a little as a result of COVID19 but my bank account balances have never fallen below thousands of dollars. Nor I have I ever had negative funds. I called back the next day to have the decision reviewed by the fraud strategy team. Unfortunately, the agent gave me the same vague " it was a business decision '' response and you agreed when you opened the account we had the right to close your account at any time. 

I then visited the branch manager in person to see if the vague response was related to the limited skills of phone agents. Unfortunately, Wells Fargo believes it is best for a 20 year customer with an 800 plus credit score to take her direct deposit and banking needs to a competitor. 

I am asking the CFPB to review the Wells Fargos bank account closure strategies to determine if I was treated fairly AND not discriminated based on my XXXX XXXXXXXX name.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately, informed me that recovering lost funds impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On Sunday XX/XX/XXXX I received a notification in my phone that a charge for XXXX of {$170.00} was made to my account. I did not make this purchase. I have spoken with XXXX and they do not see this charge on my account. My cards are setup to where if I use any of those cards they will link to my XXXX account. 

I waited until the charge posted and filed a dispute. 

Chime denied my dispute stating the charge is valid. I have asked for proof. Never received. The phone rep hung up on me.
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  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.S.C 2681 section 602 A states I have the right to privacy.

15 U.S.C 2681 section 604 A. Section 2 : It arose states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section started no consumer reporting agency may make any consumer report containing any of the following items of my information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 Years.

15 U.S.C 1681s-2 ( A ) a person shall not furnish Amy information relating to a consumer to any consumer reporting agency if the person knows or has reasons to believe that the information Is inaccurate.
Product: Credit card or prepaid card

In late XXXX someone made four fraudulent charges on my credit card account. I reported them to Barclays customer service. The customer service agent said they would remove the charges from my account. They closed my card and issued me a new one immediately. Approximately a week and a half later I received a letter from Barclays fraud investigation. The letter said that they had concluded an investigation and found that I was in fact responsible for the charges and placed them back on my account. I called Barclays customer service to tell them that i did not make the charges and got transferred to fraud investigation and spent 6 1/2 hours on the phone trying to tell them that I did not make the for fraudulent charges. Most of the people that I spoke with in fraud investigation did not believe me. After six hours on the phone I finally got a hold of an agent who listened to me. She was the only person that would look further back in my account. She looked just three weeks back in my account and found that Barclays had accidentally sent someone else a second card linked to my account. She told me that this was evidence that I did not make the fraudulent charges and that they would be removed within 48 hours from my account. 48 hours past and the charges were not removed. I called customer service they told me to keep waiting. After six days the charges have not fallen off. I called fraud investigation again having to wait 45 minutes on hold to get anyone to pick up the phone. They told me that it was a mistake and that the charges would be removed in 48 hours. I went back into my account approximately 24 hours later and the charges had been removed. I thought the issue has been resolved. I was wrong. Approximately 36 hours after the charges had been removed Barclays put them back on my account. I had to call fraud investigation again. After speaking with them again they told me that it was a mistake and they didnt know how the charges got put back on my account and that they would remove them. Approximately 48 hours after this call I went back into my account and saw that it was a mess there were additions and subtractions and negatives and positives and it made absolutely no sense. This is terrifying and I called to close my account. When I closed my account I was informed that my account had an {$800.00} credit. This makes no sense if they removed fraudulent charges the balance should be XXXX there should not be a negative credit on my account. I feel like this is a set up. I feel like they are hoping that I cash the check and then they are going to go back and say that they completed some investigation and that I owe them the money and take me to collections. And in doing this they are attempting to ruin my credit. Barclays is a predatory financial institution. People should beware. If I was an elder or a single working parent I would not have had the capacity to try to resolve this. And even with my capacity, this issue may not be resolved. This is one of the most terrifying things that has ever happened to me as a consumer in my entire life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

My ID and debit card were stolen. After being stolen, the thief deposited a fraud check into my bank account, after depositing the fraud check, the person then had access to view my balance. They then went to multiple retail stores making large purchases back to back. I disputed this with my bank ( State Employees Credit Union ) who denied my dispute stating that this wasnt a viable fraud claim. State employees did not do a thorough investigation if they had then they would know this is fraud. They failed to verify my identity when the thief went to the bank with my ID and was allowed to access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a 60 day late payment on my mortgage account. I filed a dispute in XX/XX/2019. The result received indicated the information had been confirmed with XXXX XXXX and will remain on my credit report as a 60 day late payment. I contacted XXXX XXXX and was assured that my mortgage was never reported 60 days late. The creditor insist there is nothing they can do because they never reported the information. Experian insist there is nothing they can do because it is information received from XXXX XXXX. I've filed a second dispute with Experian and received notification that I could not file a second dispute on the same issue. The inaccurate information remains on my credit report.
Product: Credit reporting or other personal consumer reports

I have been disputing multiple accounts with this agency on multiple occasions and have yet to be properly assisted. I have updated my personal info and still incorrect information is connected. I have these exact accounts apart of a lawsuit due to negligence. The same accounts are being added multiple times to change the ages. I am a XXXX  mom who has a XXXX XXXX XXXX  baby. I can not get a car, a decent income source, credit or a home. I didnt know what to do so Ive come to taking legal action. I am needing desperately to get into a vehicle before the year is over because I live in a cold state. I want to get my baby a home of our own this upcoming year as well. 

I have been receiving calls, texts and emails in regards to these fraudulent accounts that should not be attached to my profile. This has been depressing and very life alternating. 

I have attached the tracking number for the latest dispute and personal info update submitted. I have yet to hear back about updates or investigation status.
Product: Vehicle loan or lease

I paid my loan off on XX/XX/2022. I have still yet to receive the title. The car is titled in XXXX, so it should've been a simple electronic notification to have the XXXX XXXX send me the lien free title. Chase originally thought my car was titled in XXXX where I bought it, but spent a month gaslighting me and telling me they already released my title, which they didn't because the car was titled in XXXX On XXXX XXXX, after over a month, it seems they finally believed that my car was titled in XXXX, however instead of electronically releasing the title, they requested a paper title which they claim they haven't received yet. XXXX requires the title to be released within 3 days of loan payoff, and it has been 45 so far. Plus I will be responsible for paying the {$25.00} now to remove the lien from my title. I have been trying to sell my car since early XXXX, but now I'm stuck paying insurance and storing the car until I can get all this sorted out.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file.
Product: Credit reporting or other personal consumer reports

im cleaning up the errors on my report and i want the following to take place : 1. i want all unmailable addresses to be removed except for ( XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ) XXXX all emails to be removed except ( XXXX ) XXXX all phone # 's removed except ( XXXX ) XXXX all write off/ charge off to be removed as it is considered income and can not be on the report. 
ALL INACCURATE DATES/AMOUNTS THAT DIFFER FROM OTHER CREDIT REPORTING AGENCIES TO BE REMOVED IMMEDIATELY. 
per the " PRIVACY ACT OF 1974 ''
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT CAINE & WEINER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CAINE & WEINER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm XX/XX/XXXX so I paid a lump some payment and asked for my payments for the next 3 months to be paid so my next due date would be 3 months later and the remainder applied to the principle. The loan company put all of the amount towards my principal balance which threw me 3 months late and they refuse to fix it. So my vehicle was up for repossession for the last year and a 1/2 that I had the loan. Additionally, that caused my credit rating to suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple unknown inquiries on my credit report, after discovering I am a victim of identity theft, that have not been removed from my credit report. My credit report was given to multiple collection agencies of the identity theft charges without my consent. In addition the credit agencies still have a separate file under my former name of XXXX XXXX XXXX even after I legally changed it. The credit bureaus have illegally dropped my credit score XXXX points, increased it XXXX points and dropped it again for no reason. The credit bureaus are discriminating against the XXXX community by dropping points like this and making credit slow slower to increase points. This is discriminatory based on XXXX  and/or XXXXXXXX XXXX XXXX XXXX. I have been discriminated against by all three credit bureaus as a XXXX XXXX XXXXXXXX. In addition I have several positive credit accounts that were removed from my credit profiles without my consent even though they are being reported to all three credit bureaus.
Product: Debt collection

Steel River systems LLC -debt collector The letter states that I had an account with XXXX XXXX XXXX with the account number XXXX estate said the account is now owned by XXXX XXXX systems XXXX XXXX XXXX account XXXX negative check-in as of XX/XX/2008 the amount is {$5.00}, XXXX... 
The name on the letter is XXXX XXXX .... With my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived or had any association with the following address listed below and its listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX