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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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: Checking or savings account

I saw XXXX XXXX XXXX back in XXXX. He told me, that I was a candidate for the XXXX. I was very excited. I took time off and made preparations. I made my down payment as I was told to do in advance. Plus my payment plan for {$1000.00} a month until my balance is paid in full. The day of the XXXX, the doctor says that I'm too XXXX and can not to the XXXX, I need to find a hospital to do it. And someone from the office will be in touch with me. It's been XXXX months, I have called, texted and emailed. NO ONE has returned my call from my refund. They will not return my money. The doctor even said that I would get a refund. They have blocked me on social media. They will not answer my calls. They will not return my money. I
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to inform the CFPB, XXXX and Transunion that I am a victim of identity theft. I XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX and Transunion is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a Federal, state, or local law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( proof uploaded ) XXXX and Transunion is in violation of 15 USC 1681b ( 2 ). I never given XXXX and Transunion who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that XXXX and Transunion is a CRA that assumed its roll as congress said they are and elaborate mechanism. XXXX and Transunion has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent. I hereby demand XXXX and Transunion to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by XXXX and Transunion without authority or consent, to commit fraud and furnish a consumer report on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint AGAIN to update this suspicious information. The 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX  Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$770.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$810.00} XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/2022
Product: Credit card

This is for Bank of America credit card. The dispute case ID is XXXX. On XX/XX/2016, I purchased a {$400.00} XXXX gift card on XXXX using the credit card. Upon receiving the the mail, it was just a piece of paper with numbers in it. I tried to use it in the store, it was showing {$0.00} balance. I was scam by the seller. I dispute the charge with the credit card company. It came back few months later denied the dispute. I want to appeal the dispute, however they refuse. They said I need to have XXXX to have a statement showing where and how the gift cards were used. XXXX will not give that information out. Only the seller who if he/she have the receipts for the gift card can have that information. I do not have that information as I am the buyer. Bank of America does n't care. They would n't do anything. Bad company! This need to be adjust!
Product: Credit reporting or other personal consumer reports

My information was leaked in a data breach. And I believe my identity was used. I asked for validation of my debts rapidly which I am entitled to and credit bureau failed to do so Referencing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that the disputed items be UPDATED immediately. 

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 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: Checking or savings account

On XX/XX/2023, XXXX was taken out of my checking account without any notice or my permission. The transaction went without my knowledge and the bank approved such a large transaction. This transaction is not a bill that I owe. They claim it is a collection from an another bank. But I do not have a collection with them. I called the other bank about the XXXX transaction and they said it was not their doing. This Is Bank of America, which I am having a problem with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 700+ credit score but I get denied for everything because they won't unlock my credit file. 

Also I have wrong phone # s and addresses reporting that are causing me to get denied. 

I would like all phone numbers removed except for : - ( XXXX XXXX XXXX ) Please make sure these addresses reporting - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor, XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
Product: Checking or savings account

XX/XX/XXXX - lost access to my venmo account. Received error XXXX exception : Unauthorized.. each time I tried logging in. 

XXXX XXXX XXXX my wife lost access to her account as well. Neither of us could receive a verification code to get into our Venmo accounts and we continued receiving the same error whether we tried accessing our account by phone or by computer XX/XX/XXXX- both of us reached out to Venmo customer service. We both were told to wait 24 hours and to try again after that. This did not work and I did not expect it to work based on the nature of an XXXX error. So this was clearly an attempt at a cover up and to buy time since Venmo is still probably currently in the process of trying to fix it. 

XX/XX/XXXX - my rent was due and my Landlord uses Venmo to receive payment. So now I am late on my rent payment. 

XX/XX/XXXX - found out from various blogging posts that this issue is being faced by many Venmo customers and Venmo remains to be silent. So I read that this is mainly being experienced by people who have connected their account to other budget and small business platforms e.g XXXX XXXX XXXX. We did have our accounts linked to the XXXX XXXX XXXX XXXX XXXX so it fits what I was reading. 

XX/XX/XXXX - 3 days without a response from venmo, 7 days without access to my account, which is very concerning from a customer perspective, especially given this is financial data that has impacted me and many other peoples livelihoods. Still no comment from Venmo on what is the issue and no communication on whether they are trying to solve it. I still can not access necessary funds in the account to pay certain bills. I am not receiving direct deposit via venmo, but I imagine for those who are that this is an extreme concern.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all 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

I am filing a formal complaint against XXXX, XXXX regarding fraudulent charges on my legitimate XXXX account. I have reported these unauthorized charges as identity theft and provided XXXX  with supporting documentation, including a police report, FTC Identity Theft Report, and Identity Theft Affidavit. However, XXXX has failed to remove these fraudulent charges, violating FCRA and XXXX XXXX compliance. 

Fraudulent XXXX XXXX : Company : XXXX, XXXX. 

Account Number : XXXX Date Opened : XX/XX/XXXX Legitimate Account Status : Active Fraudulent Charges : {$200.00} ( as of XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Legal Violations : FCRA ( 15 U.S.C. 1681s-2, 1681i, 1681b ) XXXX is failing to investigate and correct fraudulent charges. 

Metro 2 Compliance Affirm must report only accurate data.

Georgia Fair Business Practices Act ( O.C.G.A. 10-1-393, 16-9-121 ) Failing to correct fraudulent transactions violates consumer protection laws.
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 TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : 1. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 

WITHOUT PREJUDICE XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had helped my cousin XXXX XXXX with this property about XXXX  years when he was going to sell the property he asked for my permission since it was under both of our names the problem is that he never sold it he fraudently changed the property under my name only and let it foreclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company said that the account belongs to me and that information is correct but, that is not true. That account belongs to someone in US and I have never had a account with XXXX. I live in XXXX XXXX and my address is totally different. Someone stole my information or did a mistake. Expirian did a very bad job in the dispute and I very disappointed. I want that account to be removed, is not mine!
Product: Credit card

Capital One offered me a XXXX credit card with a 0 % introductory APR rate on all purchases until XXXX ( as long as I paid the monthly minimum balance on time ). I paid the minimum monthly balance on time every month and I paid off my entire account balance the day before the XXXX  % APR expiration date, yet Capital One still charged me interest on my account. 

My XXXX XXXX monthly statement stated that a minimum payment of {$92.00} was required on XXXX. I paid {$300.00} on XXXX. 

I then paid off the entire card balance of {$8900.00} on XXXX : one day before the promotional APR % expiration date. 

My XXXX statement balance was {$960.00} and was due on XXXX. I paid the entire balance of {$960.00} on XXXX. 

A {$16.00} interest charge appeared on my XX/XX/2024 statement. When I called Capital One they told me that my XXXX payment was late. As I have indicated above... that is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, 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, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is ( XXXX ) XXXX
Product: Debt collection

CCS COLLECTIONS through their agents, employees, representatives, has committed aggravated XXXX XXXX 
They have obtain my non public personal financial information without my authorization or consent. I have never done business with them, do not have any contract with them and they opened an account in XX/XX/2022 and reported this account to my consumer report. 
There is no Privity of contract. CCS COLLECTIONS through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title XXXX of the United States XXXX. I did not receive any notices from them as required by the Fair Debt Collection Practices Act. They also do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying CCS COLLECTIONS can legally collect, and proof that CCS COLLECTIONS is the current holder of the instrument which created the debt with my original blue ink signature. 
CCS COLLECTIONS is violating the " holder in due course '' clause pursuant to XXXX XXXX XXXX XXXX ( a ) ( XXXX ). 
A debt can't be transferred or sold when past due or in notice of dispute. This fraudulent account on my credit report has made my score plummet and this is causing so much damage. I refuse to pay any debt to CCS COLLECTIONS and I do not consent or authorize for CCS COLLECTIONS to have access to my nonpublic personal information as they are third parties and I never did business with them. 
Additionally, I contacted XXXX XXXX and they have no record of me owing them.
Product: Debt collection

On the first of XXXX, I phone called I C Systems about a collection notice saying that my scored had dropped XXXX some points due to a XXXX dollars collections owed to XXXX XXXX XXXX. I called made the payment and requested a copy so that I could show paid in full to the three credit agencies as of today, after calling on two more occasion reporting that I never received an email as promised to show that I paid and so that I could send to the three credit agencies to clear my record and to increase my score as I am trying to make a big purchase and I need my score to reflect the positive score that I had until. I was treated with utter disdained and disrespect from the individual who was on the phone. Even the manager treated the incident as if it was not important or did not require expediency by saying that they will send it but only I would have to wait 24 hours. After several weeks, 24 hours has come and gone and I still have not received an email nor any other form of communication from I.C. Systems to reflect payment made. This is a request for a receipt for payment made for which I have performed my part to settle the payment in full yet, they have not provided me a receipt with a simple email. All three times I called I got the same run around with them saying, " our record show that you paid and we sent an email. '' I kept telling them no email has ever been sent from them since the first of XXXX and if it was I would not be on the phone with them talking because it would not be of a need. But they were all very non-chalant in their demeanor and I have yet to get a credible receipt for what I paid to show it was paid in full as promised. Therefore, I pray your office can stop this madness from this giant collection agency who represent XXXX XXXX XXXX. I will await to see what this office can do to intervene. These are trying times and if I, who owns a XXXX XXXX XXXX newspaper, is getting treated like this I pity those who are less likely to even follow through and lose everything due to collection fraud as I.C. System is demonstrating. Maybe they are too big to care. But I do and I hope the CFPB care about the people as an intercessor on our behalf. Thank you for your attention to this matter of importance.
Product: Debt collection

I reached out to this company several times last week because I notice they are on my credit report. I didnt get a notice or anything. First, they couldnt find me in their system or my account. Next, they dont have the right address. Then, they said they only report the debt another company called indebted is the collector. They gave me the company phone number but it only leads to an automated system.
Product: Credit card or prepaid card

I submitted a lump sum payment of XXXX on XX/XX/XXXX, for my PayPal Rewards credit card ( XXXX XXXX ). I am not a consumer who will allow large balance to remain on my card. After several days, I continued to notice with each check of my account, that my payment had not been applied to my credit card balance. I was told by the accounting manager today, XX/XX/XXXX, that due to me being a " new cardholder, with no ; credit card payment tenure established ' '' that " large payments are suspect in nature because 'other users have exhibited similar large payment behavior when participating in an illegal activity known as 'kiting ' ''. She also informed me that it is within their rights, per banking laws, to hold a payment that I submit on my account for up to 21 days!! She then added, " but we are only holding this one for eight days ''. Really? 
I am unaware as to what " kiting '' is, but it is n't something I would do, if illegal. I am simply a person who has utilized my card during a family emergency, only to pay it to a balance that would be less than 1/2 of my credit line ( XXXX ). 
This practice is my policy and I 've had no issues with other companies when paying a substantial amount " down '' off my balance in order to keep usage percent as low as possible. 
For eight days, now, my credit card account balance utilization has remained over 90 %, despite the fact that my payment of XXXX dated XX/XX/XXXX cleared my bank. I see absolutely no clear nor concise justification for the failure to apply my payment to my PayPal Rewards Mastercard account. Please contact me with information regarding applicable laws that would substantiate their justification for " placing a hold upon '' a large payment on my credit card. Thank you. 
Kind regards. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX