23daVinci/CFPB_Complaints huggingface dataset:
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 Name : XXXX XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX Account Number : 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, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX such authority.

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX XXXX XXXX, XX/XX/2022 & XX/XX/2022 listed late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

I have recently disputed charges made fraudulently on my debit card. Said charges occurred on the following days, and my card was fraudulently used to make unauthorized cryptocurrency purchases via a merchant named XXXX using XXXX XXXX. The dates and amounts are as follow : XX/XX/21 - {$400.00} XX/XX/21 - {$1100.00} XX/XX/21 - {$1600.00} Previously, I had contacted the merchant whom after conducting there own investigation agreed that unauthorized transactions did take place, and had refunded me roughly {$3000.00} based on the dates I had provided them with. They also terminated my account. After further reviewing my bank statements, I noticed that there were additional charges that had taken place but were not refunded by XXXX as I did not include them in my initial report. As such, I contacted XXXX, who advised me to contact my bank for further assistance as my account has been terminated and can no longer be serviced from there end. So, thats what I did, disputing the above aforementioned charges. Wells Fargo proceeded to deny my claim and tell me that there was nothing I could do. How does it make sense that the merchant refunded me, agreeing that unauthorized transactions took place, and yet Wells Fargo denied my claim? Every attempt to follow up With Wells Fargo regarding the issue is met with generic responses and no effort to assist me whatsoever.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account XXXX XXXX  XXXX number XXXX
Product: Payday loan, title loan, or personal loan

I have had an open complaint since XXXX XX/XX/XXXX which Lending Club ( LC ) refuses to respond to. They also refuse to respond to numerous written communications I have sent. 

LC has been less than forthright with information on multiple occasions. 

In the winter of XXXX, during the longest government shutdown in our nation 's history, I called to arrange for payments to be deferred. LC now reports what transpired to be very different than what in fact did. I know there are recordings of the telephone call I made which will document exactly what the representative informed me of and promised me. I was told my payments would be deferred for XXXX, XXXX and XXXX YET LC has reported my XX/XX/XXXX payment as late to the credit bureaus. 

LC now states, " We attempted to enroll you in the government shutdown hardship program. We provided details regarding the payment plan agreement in your online portal and have included a copy of the agreement with our response. As stated, monthly payments would be deferred from XX/XX/XXXX through XX/XX/XXXX as long as your account was in good standing on XX/XX/XXXX. Unfortunately, your loan was past due when the government shutdown began ; therefore, your loan was ineligible for the government shutdown hardship program. '' # 1 : LC claims that an attempt was made to enroll me in the program. An attempt was not made. An enrollment was processed. The representative even ended the telephone call telling me she was so happy she could assist as I was the first government employee she had spoken to who she had been able to enroll. 

# 2 : LC states it provided details of the payment plan agreement to the online portal. First, this did not happen. Second, I was never told it did. Third, it the attempt to enroll me failed, what payment plan was loaded to the online portal? 

# 3 : The statement " monthly payments would be deferred from XX/XX/XXXX through XX/XX/XXXX as long as your account was in good standing on XX/XX/XXXX '' is partially true. The fact of this statement is the LC representative informed me that the monthly payments would be deferred from XX/XX/XXXX through XX/XX/XXXX. Period. That is all. There was NO condition placed on that deferment. None. 

LC is now making false assertions about the context of what the telephone representative promised me and the fact that LC retroactively removed such approval without notification is deeply troubling. 

Issues have continued. LC began harrassing me for my XX/XX/XXXX payment yet I knew I had mailed it. I continually pressed LC about this. My account continued to be displayed as Past Due. 

On XXXX XXXX, my check for the XX/XX/XXXX payment cleared my bank. I immediately contacted LC who denied it was ever received an encouraged me to pay again. I provided proof that it was received and suddenly my account was updated. LC purposely did not post my payment to my account in an attempt for me to pay again via telephone. 

I have complained about this since XXXX XXXX with NO RESPONSE from LC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX  XXXX XXXX  XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me two 30 days late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  XXXX XXXX  XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent a Request to Validate Medical Debt. I requested three specific things 1. Please provide breakdown of fees including any collection costs and medical charges. 
2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
This Debt Collector failed to answer the three questions listed above. 
Instead they sent a vague letter stating " XXXX has verified this information with our client, and confirmed the outstanding balance of {$3300.00} '' The debt collector failed to provided breakdown of fees, medical services or treatment rendered, mover over they have failed to provide documentation that I gave permission for any medical or financial information to be provided to the current debt collector ( XXXX ). 
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. XXXX has failed to Validate the Medical Debt. And they are in direct violation of HIPAA laws.
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 date XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXInquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX CARD-Inquiry date XX/XX/XXXXXXXX XXXX BANK-Inquiry date XX/XX/XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX  XXXX NA-Inquiry date XXXX XXXX ) XXXX RESIDENTIAL-Inquiry date XX/XX/XXXX XXXX CO XXXX CARD - Inquiry XX/XX/XXXX XXXX- Inquiry date XX/XX/XXXX FXXXX XXXX - INQUIRY DATE XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

A friend sent me money on Venmo, but selected that it was for good or service without realizing that that would give a cut of the money to Venmo. Venmo then deducted a portion of the money from the amount I received.

I contacted Venmo and found out that there is no way to reverse this transaction. Their position is that, when this happens, they want to keep the money they took no matter what. I asked what their policy is to protect consumers, and they have a policy to protect consumers from fraud by other vendors, but no policy to protect consumers from Venmo.

In this case, they refunded to me the money that they took, but they reiterated that this was a one-time courtesy and that their policy is just to take the money.

I am uploading a transcript of the chat session where they explain their position.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called TransUnion to ask if inquires could be removed because I had not ask these companies to run my credit, nor had I tried to purchase vehicles or get accounts with these out of state companies. The guy I spoke to said " You dont need to do anything because it will be coming off your credit soon. Just wait '' but I want it off now! I dont know these people nor did I give them permission to run my credit and report falsely to the bureaus considering I have never signed any agreement or contract with these people. the only identifing info he would give is File # XXXX.
Product: Credit card or prepaid card

Once again Capital One is trying to run circles around me by admitting they debited my account of {$630.00} because they issued me a check for {$630.00}. I assume they want me to just give up on my {$630.00}, but I can not do that. Right is right, and they are wrong. How in the heck can they say they are justified in sending me a refund of my own money {$630.00} and then turn around and charge me that same {$630.00} again? It is even clearly spelled out in their letter to me dated XX/XX/2018. They admit that they sent me {$630.00} ( which I did cash ), and then turned around and charged me {$630.00}. In my second grade math class I learned that {$630.00} minus {$630.00} is {$0.00}. That means I am still out {$630.00}. They returned my money and then promptly turned around and charged me that same amount. Unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The item that I am disputing is the following : 5/3 BANK NA XXXX The reason that the item is inaccurate is because I was never late. Please look my bank statements that I have attached to this letter. The correct information should be : Paid on time, NEVER LATE. So I am requesting that it be changed.
Product: Checking or savings account

On XX/XX/XXXX I called chime bank because my debit card wouldn't work.They informed me my account was closed due to deposits that don't meet the requirements.Intold him it's the same deposit for over a year..I had {$360.00} in my account.and was told it's being held in case of some fees.which there was not any.Its been 3 months and I still have not received my money.They can just mail it to the address on file.I have tried calling them back but got no help.
Product: Credit reporting or other personal consumer reports

I have been with Lexington Law firm and XXXX for almost 16 years combined and still their systems reports inaccuracies in my reports, they don't fix or get rid of inquiries that was past last years and they keep having inconsistencies in my reports where I can't get ahead in my credit. Also they keep overcharging for services they claimed to have, but not exactly have those services and bad practices. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company along with other bureaus have different information in regards to the XXXX account. All agencies are alleging that they have the most accurate information and that what they are reporting is accurate .. here is verification that all the companies have different payment history in regards to that account. This car balance has changed prior to charging off since it was sold in auction for over {$2400.00}, they have never sent me my 1099c form so that I could file this and report this as income because this is no longer debt I have asked for this to be removed from my account due to the many different inconsistencies and inaccuracies however they have not responded. This violates my right to have fair and accurate information reporting
Product: Money transfer, virtual currency, or money service

XX/XX/30 I funded my investment account with {$50000.00} XXXX Took a total of 6 days for me to access the funds as XXXX XXXX. I tried investing XXXX lost {$200.00} so I said to myself this isnt for me. The XXXX XXXX bank account I funded the investment is close so I tried to transfer my funds to another XXXX XXXX account of mine and XXXX  is now telling me for security purposes they restricted me from withdrawing my money. After uploading bank statement of both accounts. Closed and the account I will like to withdrawal too.
Product: Credit card

On XX/XX/year>2025 I received a cashapp credit card in the US Mail. I have never had nor do I want a cashapp account. This account was fraudulently created and I am a victim of identity theft. My credit reports have been locked for years. I have a identity theft victims statement on all my credit reports. I was never contacted by this company for permission or inquiring about creating an account. They are not doing enough to verify the identity prior to creating new accounts.
Product: Credit reporting

XXXX XXXX bank this not mine # XXXX so please remove from all XXXX reports thank you.
Product: Credit reporting or other personal consumer reports

I have no connection to these inquiries or the creditors listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS ON MY OWN BEHALF ... I pulled a copy of my credit report and noticed several fraudulent accounts. 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, not later than 4 business days after the date of receipt. 
So I attempted to fax this document but was unable to, so Im sending it via certified mail with tracking, uploading on your site, and sending via the CFPB portal.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/2024 with a balance of {$1500.00}. This accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and addresses appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXXXXXX ; has violated my rights. 

15U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15U.S.C. 1681 c. ( 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 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: Mortgage

CArrington Mortgage, has been very difficult to work with. I applied for forbearance because my business closed due to covid but got denied, then my loan modification request was denied although our monthly income is now only XXXX and our escrow/mortgage is {$690.00}. I was granted 3 months payments through the Homeowners assistance fund plus an additional 3 months that should have carried us until XX/XX/2023, but Carrington has taken that money as 1 monthly payment for XXXX and is threatening to foreclose us again. Carrington has reported late payments although the reasons were covid related, and now we dont qualify for a mortgage refinance. Carrington tsays they did not take that money that they will eventually return it to the state but they are still sending threatening letters when they have the money.
Product: Debt collection

The company had contacted me from an unknown number and never disclosed who they were on XX/XX/XXXX for a scam home loan option that was turned into a different agreement without my knowledge or authorization. I disputed the debt with the unknown debt collector for XXXX they have called several times from multiple numbers. I joined a class action lawsuit against the original creditor last year in XX/XX/XXXX I do not owe this debt and I expect the debt collector to remove it immediately I have never received a notice in the mail nor has the debt been verified by my request no was this even rental company I have also never done business in XXXX or signed any documents I do not owe any debt with this company and my consumer rights have been violated the original creditor has been founded of so many deceptive practices and administrative errors
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXXATA BREACH. PER 15 USC 1681 C-2 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 DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX
Product: Checking or savings account

Opened a checking account on XX/XX/2019 since my wife and I moved down to FLORIDA. A few days later I tried to check online banking, to find out it does not let me in. The previous day my wife deposited a {$350.00} check into my account for me in their online banking app. I called bank of America to find out what happened and they closed my account without any prior notification ; no phone calls or emails. The customer service rep said they would mail the remaining amount in my account in a week or so. Fast forward 2 weeks later I get a check for {$39.00} from BOA. 

I need that {$350.00} because I'm XXXX and I have medications I need to pay for. 

I want the entire {$350.00} BOA were supposed to pay me.