23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a claim open for a missing item for XXXX with XXXX XXXX  XXXX and pnc I still have her to get my money back XXXX XXXX denied the appeal and XXXX  closed it after sending to them so I opened with my bank and its been over 90 days and still no refund for this missing item that the XXXX  driver misplaced and admitted to misplacing I am very unhappy its been over 5 months since this happened and nobody is helping attached is the tracker and form From XXXX  driver he bought for us file and sign Im waiting for order number again by email from XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2800.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX  INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN INQUIRIES XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently discovered multiple unauthorized inquiries on my credit report that are not associated with me. I have no record of engaging in any transactions with these companies. If these items are not removed from my credit report within the next XXXX  days, I will be compelled to seek assistance from a consumer rights attorney, file a complaint with the Consumer Financial Protection Bureau ( CFPB ), initiate legal action, and submit a report to the Better Business Bureau ( BBB ). I request that you promptly delete these unauthorized inquiries. The specific inquiries in question are as follows : XXXX XX/XX/XXXX| I never authorized these inquiries. Please delete immediately. 

XXXX XXXX  XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XXXX XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XX/XX/XXXX | I never authorized these inquiries. Please delete immediately.
Product: Debt collection

Requested Debt Validation, Original Signatures of contract and contract dates that allow them to collect on this debt and was hung up on three times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute to experian to advise that an account from XXXX XXXX bank was included in bankruptcy, the account has been closed and the creditor is no longer reporting. Experian updated the account as being opened and never late, disputed the account again and experian updated the account has being opened and late XXXX  days. The bankruptcy was filed in XXXX of XXXX how can the account be updated to be late XXXX days in XXXX when it is just XX/XX/XXXX. Discharge is set for XX/XX/2021. XXXX has the account closed and is no longer allowed to report or try to collect a debt because of the bankruptcy stay.
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  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX account # XXXX has violated my rights. 

XXXX account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy.

15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years.

15 U.S.C 1618 s-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

I have discovered several mistakes on my report that are unfairly damaging my scores and limiting my access to essential financial resources. These errors have already caused unnecessary delays, higher costs, and missed opportunities, all of which are unacceptable consequences of incorrect information.
Product: Credit reporting or other personal consumer reports

I have complained and complained with no results I have sent letters with no response from the credit collection agencies telling them that they are reporting inaccurate information.
Product: Mortgage

I spoke with a closing agent and he avoided helping me by providing a phone number to what he claimed was a billing department within Freedom Mortgage, but it was an outside phone number to a XXXX XXXX XXXX I immediately called back and requested a manager. I was told their calls are recorded, a manager would investigate, and get back to me. No one contacted me regarding the unprofessional closing agent. I called back a week or so later, was told someone would contact me, but no managers will actually contact you back.
Product: Checking or savings account

My account was closed I would like a copy of the full balance at the time of closing my account from checking and saving and the correct things only reported on my filed there reporting the account is still open I would like to also know why it was closed
Product: Credit reporting

I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. Also attempted to contact XXXX, XXXX, and XXXX, and XXXX XXXX. Per the address listed on my credit report and the letter got returned. I sent it to the bureaus, and they ignored it. Please help if you can thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed a Collection account that was added to my XXXX, Equifax, and XXXX credit profiles requesting validation of the debt listed. XXXX deleted this account due to not being able to validate it. XXXX and Equifax did not delete this account, stating it was valid. Neither bureau provided proof of validation as was requested. 

I have since contacted the collection agency for validation and have only received a copy of a ledger. I have notified the XXXX XXXX of a pending lawsuit against the organization they are collecting on behalf of as this debt is both illegal and invalid. The collection company sent me back the documentation claiming it is verification of the debt and they are refusing to remove it. I am in active litigation with the alleged creditor about this false debt and it is extremely detrimental to my lending ability.
Product: Debt collection

Re : Debt Validation Request To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request validation of this debt and the following documents to ensure the debts legitimacy and the accuracy of your claims : The Forward Flow Agreement The agreement between the original creditor and your company that grants you the right to collect on this debt. 
The Chain of Assignment A complete and verifiable record showing the transfer of ownership of the debt from the original creditor to your company, including all intermediate entities or individuals involved.

The Purchase Agreement A copy of the document ( s ) demonstrating that your company has legally purchased or otherwise acquired this debt from the original creditor or any previous holder. 
Insurance Claim of Debt If applicable, a record of any insurance claim made on this debt, including any payout received by the original creditor or by your company, as it pertains to the debt. 
My Signature Agreement to Pay A copy of any signed agreement or contract that reflects my explicit intention to repay this debt, if such an agreement exists. 
Accounting Records of the Debt A detailed statement of the account, showing the full breakdown of the balance owed, including the original amount, any interest, fees, or charges added, and the payment history, if applicable. 
Copy of Your License to Collect Debt As required by law, please provide a copy of your companys debt collection license for the jurisdiction in which you operate, as well as any other applicable licenses that allow you to collect on this debt. 
Please provide the above documents within 30 days of receipt of this letter, as required by the FDCPA. If you are unable to provide these documents or fail to validate the debt as requested, I expect this matter to be considered closed, and all collection activities related to this alleged debt should cease immediately. 

Should you fail to provide the requested documentation, I will consider this debt invalid and dispute any further attempts to collect on it. Furthermore, I request that you cease reporting this debt to any credit reporting agencies until the debt is fully validated and all supporting documentation is provided. 

Thank you for your cooperation. I look forward to your timely response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am taking this time to write you in reference to updating my personal information with your company. 

Please update my address in your record to the address listed below : XXXX XXXX XXXX XXXX XXXX, pa XXXX - Please Delete any other addresses attached to my credit report. 

This is the only SSN attached to my name : XXXX My only correct date of birth is : XX/XX/XXXX  My only employer is : XXXX XXXX  Please Delete all phone numbers on my credit report. 

Please Delete all of the other addresses off of my credit report. The post office will not be able to deliver to inaccurate addresses per fair credit reporting act since they are not accurate.
Product: Student loan

I have had a student loan with Navient { formally XXXX XXXX } for over 12 years they have made it impossible to pay off the loan by changing the terms of the loan without letting me know. Late fees were charged six times for one late payment as well as a fee for XXXX forbarence that was charged five times .The amount of interest taken from each payment no matter what the percentage of the loan was ridiculous. On a XXXX dollar payment almost XXXX dollars was taken in interest in one month and the amount of the loan I had to pay would jump up by thousands for from time to time. When I requested a print out of all the payments that were made they neglected to send a copy of 3 years of payments.. I can not understand how they can do business with all these things that do not seen legal
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file, the items i need deleted are listed in the report. I sam a victim of identity theft. I demand that all of the items listed be removed to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. remove these items immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters to Transunion about hard inquiries on my credit report that I didnt make and they are still there I have over 60 hard inquiries on my credit report that need to be remove in they have not been move yet
Product: Checking or savings account

I recently received notification that my chase accounts are being closed due to potential fraud. I am concerned and would like to understand the specific reasons for this decision. 

To my knowledge, I have conducted all account activities within the terms and conditions of Chase Bank. If there are any issues requiring further verification or documentation, I am more than willing to provide them to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not taking investigation of false account on my credit report against me and XXXX sent me letter as attached for they found the XXXX  XXXX XXXX  XXXX card is not mine and they removed it from credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2100.00} XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$2500.00}
Product: Money transfer, virtual currency, or money service

I have being using Venmo 's XXXX XXXX for a while now. Back on XX/XX/year>, at XXXX I sent XXXX to an external wallet address. ( I can verify that address if needed ). Value when sent was {$300.00} with a network fee of ( {$150.00} ) total sent ( {$450.00} ). The total amount was deducted and sent from my Venmo balance. 

I noticed in XXXX the transaction was still pending, which is very unusual, so I submitted a ticket to Venmo on XX/XX/XXXX. They initially told me 30-day time frame if that address didn't receive the payment, it would automatically cancel and be returned. 30 days passed with nothing. Since then, I have been in contact with Venmo trying to request just my money back. Let alone the gains from which XXXX prices has raised. The only answer I have managed to get is the engineering team has been looking into it for now give or take 7 months. 

Venmo asked me to please don't hesitate to reach out for updates. Now Venmo doesn't even respond to my tickets. They simply just close them without resolving the issue. 

I would just really appreciate my money back since it's now been 8 months since I sent the bitcoin, and they say they can't return my money. 

I'm happy to provide information on the transaction in question and all communications I have had with Venmo. It will clearly show that Venmo has no intent on refunding my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX made a payment deferral contract with me, deferring my loan for three months with a normal payment made in XX/XX/2018.The contract attached is fully executed now that the XXXX payment has been made.Their contract does not spell out which 3 months are deferred ( legally voidable contract ) yet it is assumed to be the three months prior to XXXXYet when I call the company and dispute with the credit bureaus, the company will not relent from attributing a 60 day late in XXXX, one of the 3 months deferred. 
They don't seem to legally be operating regarding the definition of deferral and their own contract which is illegally nebulous regarding naming with specificity the three months deferred.Experian has refused to re-investigate the matter because so many disputes have been made and the company will not honor their deferral contract, updating the credit bureaus without due regard for their contract.
Product: Credit reporting or other personal consumer reports

Subject : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX  My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. 

I am attaching proof that Equifax has admitted that l was in fact a victim of this data breach and Equifax has done nothing. 

Please help me delete these illegal accounts from my credit reports.
Product: Debt collection

Spoke with this company at the beginning of year. Threatened to sue me if I did not pay. I made payment arrangements with them on the phone and asked for a letter stating the debt was valid. Did not receive letter. Instead an email saying how much they would pull out of my account every month {$210.00}. Over the course of several months they changed names of company pulling money out of my account. Each time I informed them that I had not received my letter and wished for them to send it to me. Each time they said ok, and I never received it. In XXXX I finally decided to stop paying until they sent me a letter. Now they are calling again, and being rude and still refusing to send me a letter of validation. I do not want to be paying to a debt collector that may be fraud. Especially when I have asked several times for proof, and have shown good faith by paying them for several months with no proof.