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

In the first week of XXXX, I opened up a Venmo account for my business, and I allowed customers to pay for their services through the app. On XX/XX/XXXX a customer added a dollar just to confirm that the Venmo was active and that went through so I assumed that it would be OK. On XXXX XXXX I had another customer pay For services rendered, {$700.00} that day I tried to add my bank account to their system, and it wouldnt allow the bank to upload. I tried multiple times I gave all my personal information for my company along with my personal information card information for verification. I called Venmo the following day trying to figure out if there was a way that we can add to the system bank information manually so that I can get the account unlocked because at that point they had locked my account. This went on for a couple days, still nothing resolved and continuing to go back-and-forth with them. I had already given my next two clients my Venmo info so that they can forward me payments for services that were going to happen on XX/XX/year> {$990.00} and XXXX {$75.00} The clients paid for their services those XXXX days and I could see that the money physically came into the account, but Im still not physically able to take the money out, while talking to Venmo after that, tell me that I needed to give proof of ownership and bank account. I supplied them with Bank statements, Member IDs proof of ownership of the business, certified letter from the, and they still wouldnt add the bank account to, the Venmo account because they say that there was suspicious activity going on in the account. Im still going back-and-forth with them till this day. It is now XX/XX/XXXX of 2024 so just about a month. Their customer service refuses to help they tell you to contact accounting. Their accounting has no phone number and sends a bot response message every time you email that refuses to provide service and tells you your cut off dont reply we wont answer you! Theres no resolution theres no communication and all I want is to be able to access the money so that I can take care of bills and everyday operations with my business. I wouldnt be so concerned about the money but its over {$1700.00}. Thats like a mortgage payment! Im not the only person that this is happened to when I visited my bank for my letter of ownership of the account, I was informed that there was a guy in there just the same week asking them to try and help them to show proof that they were owner of their bank account so that then will release their money.
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. 


FRAUDULENT ACCOUNTS : Account Name : DEPTEDXXXX # XXXX Account Name : DEPTEDXXXX # XXXX Account Name : DEPTEDXXXX # XXXX Account Name : DEPTEDXXXX # XXXX Account Name : DEPTEDXXXX # 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXmployer : XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

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

multiple inaccurate information on my credit report
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. There are accounts on my consumer report that are reporting Inaccurately. I have attached those reports with this complaint for your review. These Inaccurate reportings has caused me a tremendous amount of financial trouble. From being denied line of credit, refinancing you name it. I demand that these Inaccurate reportings be remove Immediately. 
Thank you.
Product: Credit reporting or other personal consumer reports

Multiple accounts on my credit report contain inaccurate or inconsistent information, violating the Fair Credit Reporting Act ( FCRA ). These inaccuracies have harmed my credit profile. I request immediate deletion of these accounts and resolution within 30 days. All supporting documents are attached for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity fraud for over 100k dollars and several fraudulent loan accounts years ago. I did not authorize nor consent to any use of my information. Nor did I apply for ANY of these fraudulent accounts. I have submitted to Transunion on countless times, what they requested for removal of the accounts. I have spoken to them several times in this past month and over the last several years. In which, they again agreed to remove Hard Inquiry XXXX and Collections account XXXX XXXX XXXX after receiving the Police Report and FTC report. I have complied with Transunion with their request to provide proof for removal. I have been sending this upon my findings of identity fraud for years now. They have complied with removing most inaccuracies, however, these remain. I had a XXXX credit score prior to this and would like to get back to that scoring number. This has caused me a great deal of distress and is now affecting my purchasing power and my health. *Note : This includes FTC and police reports along with proof of ID requested.
Product: Mortgage

Reverse mortgage tv advertising offers a free kit that explains options. Free, just call this number. I called and it was Quicken Loans. The person called me back from a non-toll-free number and continued to ask more and more probing questions " need to know this before I can send you the kit '' that included request for next of kin contact and for my social security number. This is verging on criminal. I never did get the promised " free kit '' and now someone I do n't know has a lot of information about my credit and the value of my current residence.
Product: Credit reporting or other personal consumer reports

District Court for Northern District of Georgia XXXX  XXXX XXXX XXXX. Customer Data Security Breach Litigation ; Case XXXX I am filing CFPB complaint against Experian for fraudulent accounts that have appeared on my credit report. I have been stressing to Experian that these accounts are a result of Identity Theft stemming from XXXX Data Breach. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. The erroneous, fraudulent accounts are : Fraud Account : XXXX XXXX XXXX ; # XXXX ; Balance : {$26000.00} The listed accounts are not mine, never been authorized by me, and are frivolous, I am being harassed, and I demand the fraudulent items listed to be removed, or I will hire an attorney and proceed with legal ramifications. Experian continues to badger, bully me. I need verifiable proof of these credit transactions were not initiated by me, as well as proof of identity to confirm who applied for these frivolous debts. I know my consumer rights under Federal laws. I have attached a copy of proof from FTC Identity Theft Complaint. Under the Fair Credit Reporting Act ( FCRA ), s15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately : Block and remove all fraudulent information from my credit file ; notify any third parties to whom this fraudulent information may have been reported ; and provide confirmation in writing that the requested changes have been made to my credit report. I certify under penalty of perjury that the information provided in this notice and its attachments is accurate I will seek legal actions, for violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letter from FTC, police report & copy of drivers license 7 times then faxed it to Experian -the acknowledged receipt bia phone call! The connected me to a global location to no avail as they told me no record of receiving although i sent it 8 times & lady wouldnt have connected me if she did not see the fax! 
They received info but it has been months and i can not get through & someone put fraud alert ON & they last time Fraud Alert was XXXX on, someone OPENED 3 accounts? I wantd it n off!? 
Please, XXXX  has fixed or is fixing and its been since XXXX and is now XX/XX/2019 & fraudulent accounts are still on my credit report!!?
Product: Debt collection

ACCOUNT NAME CONSUMER ADJUSTMENT CO Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/2022, I received an email through my XXXX University student email of a prospective employer seeking employees. I replied to the email address, XXXX, to inquire further. I was then answered by an individual calling themselves XXXX XXXX XXXX who was employed with the Department of Disability Health and Human Services. He claimed he was a XXXX with XXXX University. He then provided me with a letter of employment and XXXX paper check for deposit. XXXX for {$8200.00} and {$4.00}, XXXX. I was told to deposit the {$4300.00} in my back account and wait for the deposit to clear. {$220.00} was cleared, he then requested for {$200.00} to be sent to XXXX XXXX XXXX via XXXX. In addition, I was then told to send {$400.00} via zelle to XXXX and XXXX. 

My bank, Navy Federal Credit Union has denied responsibility and has forced me to relinquish my accounts without full recovery of my funds.
Product: Debt or credit management

Payments of {$9900.00} have been made. Starting loan $ XXXX, amount remaining $ XXXX. 

The loan company has paid themselves the $ XXXX and have not paid out the debts owed. 

XXXX XXXX XXXX is the lending company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX [ Subject : Complaint Regarding Inaccurate Credit Report Information ] Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding multiple inaccuracies present on my credit report. The discrepancies pertain to various aspects including account numbers, payment history, and balances, which are significantly affecting my creditworthiness and financial standing. 

Below, I outline the specific inaccuracies found on my credit report : Incorrect Account Numbers : Several accounts listed on my credit report contain inaccurate account numbers. This discrepancy makes it challenging for me to properly identify and address these accounts. 

Inaccurate Payment History : The payment history associated with certain accounts is misrepresented. For instance, there are instances where timely payments are marked as late or missed payments, negatively impacting my credit score and financial credibility. 

Incorrect Balances : The balances reported on some accounts do not align with the actual balances. This misinformation leads to an inaccurate assessment of my overall debt and financial obligations. 

These inaccuracies are not only detrimental to my creditworthiness but also undermine my ability to access financial products and services on fair terms. Despite repeated attempts to address these issues with the credit reporting agencies, the inaccuracies persist, indicating a systemic problem that requires intervention. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge the bureau to hold the credit reporting agencies accountable for their failure to ensure the accuracy of the information they report. 

Enclosed with this letter are copies of my credit report highlighting the inaccuracies for your reference. Please do not hesitate to contact me if further information or documentation is required to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information on my credit report. 

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

I am formally contest and seek correction of inaccurate information listed on my credit report. After a careful review, I have identified inconsistencies regarding the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The mentioned accounts currently display late payment dates and negative status on my credit report, which is erroneous. After contacting the respective creditors, they confirmed that these inaccuracies stemmed from internal errors on their part. Consequently, they have agreed to rectify the situation by removing the negative information associated with these accounts. 

I kindly request that you investigate and update my credit report accordingly. The accurate information for these accounts should reflect a positive status with no late payments. Furthermore, I ask that the corrected details be promptly communicated to all parties that have recently requested my credit report.
Product: Debt collection

i called the company to talk to someone aboutthe issue, as i had the account number provided on my three consumer repoets that is how i tried to verify the account. and when they asked for my name I declined stating I dod not want to give information they could possibly use to falsify/verify and they stated they could not speak with me about the account in question. so as they did not talk to me i expect them to not report unverified and incomplete information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a co-signer for a synchrony car care credit card, I was never informed of any missed payments by either the company or the person who was the one to utilize the credit card during the entirety of the missed payments. I never once used it nor did I even have a card with me to use it. I disputed this account several times asking to be removed and or taken off my credit report due to the fact that it was paid in full already and the fact that I never utilized said card or was contacted or missed payments for so long. I never get a response describing why it wont be taken off when I dispute it or what the findings were from the investigation.
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX  / {$2100.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX / {$2900.00} / XX/XX/XXXX XXXX / {$860.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX
Product: Prepaid card

I called the chime customer service on XX/XX/XXXX because my purse was stolen o XX/XX/XXXX. And inside my purse was my wallet with all my ID n bank cards n my phone. I filed my taxes this year n had my return direct deposit to my chime account. I wasn't able to get ahold of chime immediately because of security reasons I could not access my email account n my phone cuz my phone was in my purse. So when I finally got thru to chime whoever stole my purse had gotten ahold of my chime card n into my chime account. N stole my refund. And when I tried to call n dispute it all. Chime told me they couldn't dispute it. I thought chime had a XXXX liability on unauthorized transactions. N I thought I made it clear to them that my stuff was stolen n when I got notice from irs that my return was deposited to my chime account it was gone. Now I know I didn't make or authorize any transactions. They won't help me I had XXXX dollars wrongfully taken from me n they won't listen or help. So can u pls help me. They did dispute some transactions but not all transactions I need my full refund for my taxes back, if I could sue or law chime I will if they do not help me n make it right I didn't make the transfer on XX/XX/XXXX the last time i used my card was on XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer Reporting agency can not furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth 3rd Bank has listed in credit reports that both my wife and I have missed 8 payments. In fact we have not missed even one without their instructing us that under the modification program we eventually qualified for, we could skip up to 2 Two payments. All other payments were made. In phone communications with them, I was told they were refusing to do anything about the false report until we served them with proof that the credit bureaus contacted them and then gave us 5th 3rd Banks written reply. XXXX  immediately removed the false report from their listing. XXXX took my complaint three separate times and only sent back emails stating that the process was completed, but not once reporting what was the reply. In a fourth contact, by phone, they would not give the reply verbally and stated I would get a written copy in 3 to 10 business days. That was over three weeks ago. Now, by phone, they tell me I am no longer able to confirm who I am to begin any discussion of 5th3rds response or what happened to the promised written reply. The History of bad faith on the Bank 's part is atrocious, including attempts to foreclose illegally and refusing to remove PMI as required when debt went way under 80 % of value. Then, after removing it in the modification, they just arbitrarily add it.