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

XX/XX/2024 - I updated some information my Venmo XXXX account ( thats attached to my personal account. ) I also tested how it works by sending a dollar to myself then transferring it back. 

XX/XX/2024 - I receive an email from Venmo support addressed to my business account that due to suspicious activity, my account has been suspended. In order to have it unsuspended, I need to submit my ID. I comply because I suspect that it was flagged due to me changing information the day prior. After I submit my information I notice my personal account is suspended as well despite the email being addressed to my business account. 

XX/XX/2024 - I receive an email from Venmo stating that my account is permanently suspended and they refuse to give a reason why. Its important to note that this includes my personal account. My personal account is what I use as my main bank account so all the money in there is all the money I have and they are refusing to release it to me. I use my money to buy insulin and other medications so I cant wait for them to decide to release it to me later. Especially when they refuse to give me a reason why it was suspended. All my transactions are between my boyfriend, my mom, and friends and this has been the same for as long as I have used Venmo and it has never been a problem then.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account with XXXX XXXX acct # XXXX, XXXXDept of Education acct XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2, also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

XXXX XXXX In the amount of {$3500.00} a unauthorized charge was made to my card that I wasnt aware of until I got the statement, discovered said they would look into it be never got back to me and its been a fraudulent act
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX put 3 inquiries on my ChexSystems report without my consent. I have reported this to Chex Systems through their normal dispute process 3 times but they are not willing to look into this honestly. Last time I spoke to a ChexSystems supervisor and she insisted that this time ( the 3rd time ) they will investigate it properly. But everytime, they send me the same form letter which states " The source has verified the information they submitted to be accurate and complete. As a result, it will remain on file at ChexSystems ''.

Please note that the bank has provided ChexSystems no proof that they asked for my consent. Not even that, the bank is not even saying in writing that they asked my consent. All they do is use the above stated vague language and ChexSystems closes the dispute in bank 's favor. ChexSystem 's dispute resolution process is a sham, their employees are outsourced and dont even know the basics of the Federal Fair Credit Reporting Act, so calling them is another futile exercise.
Product: Credit reporting or other personal consumer reports

I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of this name must be removed. 
Addresses. Only the address XXXX XXXX XXXX XXXX, NC XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX And the address XXXX XXXX XXXX XXXX, LA XXXX They must be removed immediately In the birthdate/year of birth field 1998 this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS ALSANA " this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. 



Late payments XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX Account name XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX XXXX account number XXXX date opened XX/XX/XXXX late payments XX/XX/XXXX XX/XX/XXXX Accounts to be deleted XXXX XXXX XXXX Account number XXXX. This account is reporting XXXX account. {$570.00} past due as of XXXX XXXX but this is a collection account legally, a collection account can not be reporting as a past due balance as the account already has been sent to collections. This account is reporting in accurately and must be removed from my report immediately. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within XXXX business days As permitted by federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 public records of Chapter XXXX bankruptcies listed on my credit report. One belongs to myself and the other does not belong to me. 

Case # XXXX does not belong to XXXX XXXX ( legal name ) Case # XXXX does belong to XXXX XXXX ( legal name )
Product: Debt collection

Switched to XXXX but I wasn't able to transfer our phones to their service so I cancelled. Never activated the sim cards or opened the XXXX  watch. I sent back their sim cards and the brand new watch within their cancellation period. Was told that we wouldnt owe anything and I have a voice recording of it. They told me to ignore future bills because they said it was resolved and now they are sending me to collections for a service I never used. Talked to them multiple times but here we are. Hurting my credit because they cant do their jobs.
Product: Credit reporting or other personal consumer reports

Please remove unauthorized inquiries. 

TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And Delete Account. 
XXXX XXXX XXXX XXXX 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : You added XXXX XXXX as my employer without my consent. 
You didnt get my written consent, and youre violating 15 USC 1681b by putting false employment information on my report. 
15 U.S. Code 1681c2 : I did not authorize this, Youre required by law to block and remove these fraudulent entries within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # 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 a account without my written instructions
Product: Mortgage

I have been asking for a new escrow analysis because my new hazard insurance is significantly lower than what the mortgage company estimated. My first inquiry was in XX/XX/XXXX. I was told I could not request a new escrow analysis until they paid the premium to the insurance company even though they had all the documents showing the new premium. Since XX/XX/XXXX, I have repeatedly asked freedom mortgage to complete a new escrow analysis and have only received automatic replies that they are working on it. Meanwhile my biweekly payments are much higher than they should be because they failed to conduct the analysis. I am paid through XX/XX/XXXX and will not make any further mortgage payments until this is resolved.
Product: Debt collection

I already submitted a complaint in which LVNV FUNDING LLC said they would remove the debt from my credit report in which they did for a week and then put it right back in the amount of {$1100.00}. Please remove this from my credit report. Thank you
Product: Money transfer, virtual currency, or money service

I had did a hold on my card at two hotels my cars have been on hold for over 27 days and I called the company approximately 10 days after the transaction and they said that it be released within 14 to 21 days it is now 27 days and it is still on hold the company is currently gaining profit from it being on hold with interest which I would kindly like them to credit to my account since they shouldn't have that and how long can a company keeps a hold on funds legally
Product: Credit reporting or other personal consumer reports

Hey Transunion AND XXXX, I was recently checking over my credit report after receiving a response from you. I have the proof showing that I submitted the complaint # XXXX on XX/XX/2023 and received a response from you on XX/XX/2023 that states, DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX-UPDATED XXXX-VERIFIED AS REPORTED XXXXXXXX XXXX XXXX-UPDATED Your credit bureaus stated that my account XXXX XXXX and account # XXXX was properly INVESTIGATED but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and the account name is inaccurate. This is grounds for removal they ALSO, violated my rights under 15 U.S.C 1681 Section 602A. States that 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 Also, the credit bureaus took more than 30 days to complete my investigation here is my certified tracking number / cfpb complaint # XXXX According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} ( one-thousand ) per violations or all accounts deleted due to violation of my rights or delete all accounts
Product: Credit card

Acima purposed to offer me the consumer a lease to own agreement on an apple XXXX XXXX, back in XXXX of XXXX. Due to a recent lawsuit against them from the Consumer Financial Protection Bureau ( CFPB ), these alleged leases were actually credit, and Acima and XXXX has violated the Consumer Financial Protection Act 's ( CFPA ) prohibition against unfair, deceptive, and abusive acts, and practices by misleading consumers regarding the nature and terms of acids agreements, including their exorbitant cost ; materially interfering with consumers ' ability to understand the terms and conditions of those agreements, effectively locking consumers into these high cost financing arrangements by making it difficult for consumers to terminate them and creating unfair barriers to returns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to request the immediate removal of fraudulent accounts that have appeared on my TransUnion credit report. I have recently discovered these unauthorized accounts and wish to rectify this situation promptly. As a victim of identity theft, I kindly request your assistance in resolving this matter. 

The fraudulent accounts listed on my TransUnion credit report are as follows : XXXX  - Opened on XX/XX/XXXX XXXX XXXX  - Opened on XX/XX/XXXX XXXX - Opened on XX/XX/XXXX I would like to emphasize that I have never had any dealings or financial transactions with the entities associated with these accounts. The appearance of these fraudulent accounts has greatly affected my creditworthiness and has caused significant distress. I have meticulously reviewed my financial records and can confirm that there is no legitimate reason for these accounts to be present on my credit report. 

Given the circumstances, I believe it is crucial to investigate the origin of these fraudulent accounts. I am unable to provide any concrete evidence regarding how these accounts were established, as I have no knowledge of their origin. However, I assure you that I have been diligent in monitoring my credit report, and I would have taken immediate action if I had noticed these accounts earlier. The delay in discovering these fraudulent accounts is a testament to the cunning and sophistication of the identity thieves involved. 

I would like to bring to your attention that, as a consumer, I am protected by various laws and regulations, including the Fair Credit Reporting Act ( FCRA ). According to FCRA Section 611, it is my right to dispute any inaccurate or fraudulent information on my credit report. Furthermore, Section 605B of the FCRA stipulates that fraudulent accounts resulting from identity theft should be promptly removed from my credit report, once their fraudulent nature has been established. 

I request that you thoroughly investigate the legitimacy of these accounts and take immediate action to delete them from my TransUnion credit report. This will help restore my creditworthiness and protect my financial standing, as well as provide me with the peace of mind that comes from resolving this distressing situation. 

Enclosed with this letter are copies of my personal identification documents, including my driver 's license and Social Security card, to verify my identity and aid in your investigation. I trust that you will handle this matter with the utmost urgency and professionalism. 

I sincerely appreciate your attention to this matter and anticipate a prompt resolution. Should you require any further information or documentation, please do not hesitate to contact me. Thank you for your understanding and cooperation. 

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

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Balance {$2900.00} Highest Balance {$2900.00} Opened XXXX. XXXX, XXXX  ( XXXX yr, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Collection account Original Creditor Name No Info Closed No Info
Product: Money transfer, virtual currency, or money service

I am filing a complaint against atlas credit ( atlas master card ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they do not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

Lexington law credit repair client with XX/XX/XXXX information sent to Lexington law
Product: Student loan

On XXXX, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was XXXX XXXX XXXX XXXX XXXXnd am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in eligible payments. It seems as though Edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. 

Since my initial request for a reinstatement of eligible loan payments, I have only received a reinstatement of {$130.00}, significantly less than my requested payments. I was told that this was because of the closing of several loan accounts held by my previous processor ( XXXX XXXX ) due to eligible payments made. In a response from a previous complaint submitted to CFPB, I was told by an EdFinancial representative that I would need to contact XXXX XXXX. The representative at XXXX redirected me back to EdFinancial for any refund requests, as XXXX XXXX no longer services federal student loans. Yet again, I reached out to EdFinancial for the status of my previous refund requests only to be met with the representative being unable to provide processing times for my request. This request has been processing since the end of XXXX with little to no updates along the way. I am very frustrated with the process of reinstating and refunding my eligible loan payments, as EdFinancial has the list of payments as well as bank statements for proof of payment and I have not been processed.
Product: Credit reporting or other personal consumer reports

Im filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responded within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX and XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against XXXX for similar violations . I request that the CFPB take action to ensure both XXXX comply with federal law and provides consumers with the necessary proof of investigation, These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filing a formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) and unauthorized actions taken on my credit file. Despite my disputes and supporting documentation, Equifax has unlawfully reinserted fraudulent accounts onto my credit report, failed to remove an unauthorized hard inquiry, and placed a promotional block on my credit file without my consent. 

Details of the Fraudulent Accounts : 1. Creditor : XXXX XXXX  Account Number : XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX Date Reinserted : XX/XX/XXXX 2. Creditor : XXXX XXXX Account Number : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Date Reinserted : XX/XX/XXXX I initially filed a dispute with Equifax pursuant to FCRA 605B, 605B ( 15 U.S.C. 1681c-2 ) providing all necessary proof of identity theft, including : FTC Identity Theft Report # : XXXX An official police report from the XXXX Police Department Despite receiving this legally sufficient evidence, Equifax refused to block the fraudulent accounts, violating the explicit requirements of FCRA 605B, ( 15 U.S.C. 1681c-2 ) I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, regarding Equifaxs unlawful reinsertion of fraudulent accounts. Equifax responded on XX/XX/XXXX, stating : XXXX XXXX  account was not currently reporting on my credit report. 
XXXX XXXX account was removed from my credit report. 

Despite this response : On XX/XX/XXXX, Equifax unlawfully reinserted the XXXX XXXX account. 
On XX/XX/XXXX, Equifax unlawfully reinserted the XXXX XXXX  account. 

Equifax failed to notify me within the timeframe required by law, violating : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) which prohibits the reinsertion of previously deleted information unless the furnisher provides certified accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) which requires Equifax to notify me within five business days of reinsertion, which they failed to do. 

Equifax has failed to remove an unauthorized hard inquiry from XXXX XXXX XXXX, dated XX/XX/XXXX Equifax placed a promotional block on my credit report without my authorization, restricting access to credit offers and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I do not owe any debt or any alleged debt. 
I also refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 
NOTICE TO CEASE AND DESIST stop all COMMUNICATION any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report ( bearing Information regarding the alleged debt ) See 15 USC 1692c ( c ) See attachment with cease and desist request : TD AUTO FINANCE