23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy reporting to my experian credit report. The bankruptcy is not showing on XXXX or XXXX. My name is also spelled wrong with the bankruptcy reporting to my credit report I have also reached out to the courts filed disputes and reached out to XXXX XXXX  they also are stating I do not have any public records.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : not my social security numbers XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$750.00} Status Collection account. {$750.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$6.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Open. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$280.00} XXXXtatus Open.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - 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  Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1700.00}
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 

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

I wrote to Equifax that they were reporting an erroneous bankruptcy on my credit report. They responded back to me that the item in question was reporting accurately by the 3rd party company they contact XXXX. I contacted XXXX and they have removed the erroneous item from their files. I need for Equifax to remove the erroneous bankruptcy from my credit report immediately. The confirmation for the Method of Verification from Equifax is # XXXX.
Product: Checking or savings account

on XX/XX/XXXX i attempted to withdraw {$XXXX} from an ATM using my Venmo ATM debit card in XXXX, XXXX. unfortunately instead of recieveing my funds, the ATM in error did not disburse any funds. i initiated a dispute for the transaction through the venmo app. within XXXX days of initiating the dispute venmo XXXX and suspended my account through automated means. absolutely no valid reason in doing so. venmo sent an email stating " We have reviewed your account and believe you are engaging in XXXX or more restricted activities as described in the Venmo User Agreement. Specifically, that your use of our services has resulted or may result in disputes, claims, reversals, chargebacks, fees, fines, penalties or other liability to Venmo, other users, or third parties. 

In order to help keep Venmo a safe place for users to transact we will no longer be able to provide our services. '' in this case what this means is Venmo is claiming i am breaking their policy by enacting my consumer rights and disputing a transaction. venmo is delibarately violating consumer rights and Florida XXXX. 

I tried adding my debit card and bank account to withdraw my funds, I tried sending money to my wife aswell as withdrawing from the ATM, venmo XXXX and declined all of my attempts. 
i have requested venmo provide me a valid reason for restricting my account and locking my funds, i stated to them it is illegal to make provisional credit inaccessible. i lost my Wallet containing my ID and other debit cards in the disaster storm that struck XXXX this venmo debit is all i have right now and i need my funds asap. i have been a loyal customer since XX/XX/XXXX and have done nothing wrong by venmo. i am confused as to why i am being treated so horribly. i will now take legal action if need be.
Product: Mortgage

We refinanced our home several years ago and the loan was sold to US Bank. It has been horrible ever since. We have never been late with a payment on our mortgage. US Bank deliberately makes paying the loan difficult. I can only occasionally access my account online - they have the worst website ever. Sometimes I can log in, other times I ca n't. It will say my password/ID is n't in the system. I 'm stuck having to write monthly checks to mail in stead of the paying online. I think they do this in the hopes of the customer being forced to make a late payment so they can tack on big fees. I called customer service about it and she gave me some insane excuse that I needed to use a different search engine??? That makes no sense at all. It does n't matter whether I get to their website via explorer, Chrome, etc. the result is the same. They also overcharge every single year for escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an open complaint with your company against this bank, # XXXX. They have again changed information on how much I owe and submitted an time extension to you to resolve this problem. I am unable to pay this company without knowing how much I owe and whether this account is paid off. They have reported my account delinquent on my credit, causing my credit score to decrease 24 points. They reported twice within 2 days of each other that I was delinquent. However, The bank website shows {$0.00} past due amount and {$0.00} payment due. Copies of all these documents are attached. I have attempted to contact them and again was told that they agent could not change anything about credit reporting. I am now asking that they immediately make this correction on my credit report before it causes hardship to my finances.
Product: Payday loan, title loan, or personal loan

On XXXX, XXXX, 2020 I purchased a XXXX computer and queried about financial assistance to which I was referred to " Klarna, '' as a credit company they could use to set up payments for a total of {$1300.00} The installments were to be {$81.00} to be made on or before the XXXX of each month, and so far I have made three payments for XXXX, XXXX, and XXXX without trouble. Days before XX/XX/XXXX I attempted to make another payment online using the same method as I did on the other three payments. The same " username '' and " password '' would not get me in to the payment section of the website. Then a menu came up, requesting that I re-establish my account, and start all over with a new " username '' and " password. '' It requests only my email and indicates that it will send me a code. The code shows up in my email but when I enter it on their website, code entry field it just takes me back to re-registering an account again. I go in circles and get nowhere on this site. So of course, I try to pay over the phone but the representatives on the phone say they are unable to take payments. I asked them to mail me a statement and I would pay the entire balance just to end business with them. It has been two weeks and nothing. They were nice enough to take the late payment fee off, during the conversation today, XX/XX/2020, at XXXX XXXX. 

The whole issue is, I simply want to do right and pay them and I don't know how, and I don't want it to have a negative impact on my XXXX XXXX, or incur more late fees. I have never run into a situation like this with any creditors so I am stuck, wanting to resolve this. I want to pay my remaining balance, {$1100.00} XXXX the original {$1100.00} - {$25.00} late fee the representative was kind enough to take off, after the quote ) in full. Again, the ending balance as of XXXX, XXXX, 2020 XXXX XXXX XXXX is {$1100.00}. 

I need some help with this one, yours, XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate 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 did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions as caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report for the fourth time, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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

Credit bureaus are reporting incorrect information such as addresses, employer and spelling of my name.
Product: Credit reporting or other personal consumer reports

Permissible Purpose : 15 USC 1681b Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Despite my repeated efforts, supported by documentation, your entity has failed to take appropriate corrective action. Your continued inaction violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Given the significant impact this identity theft has had on my life, I demand removal the fraudulent account. This situation has been worsened by the data security breach involving Equifax Data Breach ( Case No. XXXX ). I am requesting the fraudulent account to be dismissed from my credit file. The disputed item is : Fraudulent Transaction : XXXX XXXX. # XXXX. Opened XX/XX/year> Your entity has continue to fail at conducting a timely and meaningful investigation, as mandated under 15 U.S.C. 1681i ( a ) ; improperly verified or ignored accounts that are clearly unauthorized and linked to the Equifax data breach; continued to report inaccurate information in violation of 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy, and you are in violations of the law. T
Product: Credit reporting or other personal consumer reports

There is incorrect information of reports after wallet has been stolen. That wallet included my drivers license and social security card
Product: Mortgage

We are trying to do a streamline refi. 
As of XXXX XXXX carrington mortgage took over loan from XXXX XXXX XXXX they first said we did n't make our payments for XXXX, XXXX and XXXX of XXXX. Now they are saying we have not made payments for XXXX, XXXX and XXXX. We went and got bank statements showing we have paid them and on time my credit score went from XXXX down to XXXX. I became XXXX in XXXX and carrington mortgage is ruining our credit. Please help. I can fax all bank statements proving there is no late or missed payments. XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX these payments were taken out of my checking by carrington mortgage. I would take pictures of my bank statements but not sure how to do that like I have stated I can fax them.
Product: Vehicle loan or lease

Down payment and refund for service contracts is being kept from me when they are due to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted the credit bureaus as I am a victim of identity theft. The hard inquiries are affecting my credit report. They refuse to remove them
Product: Credit reporting

In the process of filing a fraud report plan with the FTC I requested a free credit report from XXXX. After filling in the required information, I requested the report. A message was displayed that I had requested this free report on XXXX XXXX, 2016. I did not request this report on that date or on any date in the past. My complaint is that I did not request this information and my credit report was given to someone requesting it using my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - I put a credit freeze on this account ( all three credit bureaus ) in XX/XX/XXXX ( when I heard about the breach at Equifax ). 

All was fine until XX/XX/XXXX, when XXXX XXXX called and informed me that someone tried to apply for credit. ( Not me. ) I called all three agencies, learned that Equifax was called by someone ( a perp, a fraud ) on or before XX/XX/XXXX, wherein Equifax believed that the caller was me, and removed the freeze. 

Then the fraud tried to apply for a card at XXXX XXXX. 

This is the second time I have had my security breached at/by Equifax. The first time likely being the Spring XXXX breach of 145 million accounts. What is the price ( cost ) for that behavior? Who pays? Who pays me for my time to straighten out Equifax 's lack of security/protocol, a far-less than professional outfit? 

I have written a letter, dated XX/XX/XXXX, to Equifax that addresses all the above. XXXX  XXXX is sending me a letter that recaps what they did ( including our conversation ). 

XXXX XXXX has issued me a complaint ( fraud ) ID : # XXXX I am seeking from you ( or the Federal Trade Commission ) a reference number so I can approach all three credit bureaus, and place an Extended Credit Block ( 7 years ) on my account ( s ).
Product: Credit card or prepaid card

I XXXX XXXX notice that my account balance wasn't correct so I contacted Fifth Third Bank concerning this matter I spoke with XXXX I then notice that there were a fraudulent transaction made that I didn't authorized someone had stole my information from my account and my debit card they purchase XXXX dollars for XXXX XXXX blues tickets. I never receive any service nor goods from this vendor and I never attended any events that XXXX XXXX I don't listen to blues music I had my information stolen and my credit card debit card was used in XXXX I were in the state of Illinois and went to the Bank to show my where about. I'm a victim of fraud and this person had been using my identity and bank information I contacted XXXX XXXX and they refuse to give me my money back. I am not responsible to pay for someone else bills or entertainment and I received no goods nor service. Fifth third bank can't make me repay this money back. I didn't authorized nor give no one permission to use my account or bank card.My account and card has been hacked. Fifth Third needs to close the entire account and card and reopen a new one my money should be safe and secure at all times its FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX multiple times and have sent letters and a FTC report before. They are saying they don't have my documents. I have the following inquiries I did not authorize reporting on my report. Also, my Bankruptcy is dismissed and did ot move forward and should be updated as well. 

XXXX XXXX XXXX Hotel and Travel ) XX/XX/XXXXXXXX XXXX  ( Upstart ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bankruptcy XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this issue by allowing LEXIS NEXIS to reinvestigate this issue with this Bankruptcy that they are reporting on my consumer report without my consent. they have repeatedly told me that this information has been verified through ( XXXX  ) XXXX XXXX XXXX of the United States Federal Courts. LEXIS NEXIS has been furnishing personal information that is damaging my credit report and violating my privacy. XXXX  nor do the Bankruptcy Court House verifies or validate such information to LEXIS NEXIS or any credit bureaus. so this is a violation and this bankruptcy needs to be removed immediately.
Product: Bank account or service

SunTrust bank not only charges you overdraft fees but after 5 days they charge additional overdraft fee. I have never heard of this nor has any other bank I have deal with does this. I think this is total unfair
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove these accounts and inquiry.
Product: Debt collection

I am receiving claims from various debt collection agencies that I owe debts. I have received multiple debt notices from XXXX from different debt collectors. I do not understand why I am receiving repeat notices for debts I do not owe? I closed out my XXXX account years ago due to poor service. 
This complaint refers to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting another CFPB Complaint to request the Credit Bureaus ' assistance in removing several fraudulent accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the Credit Bureaus, the fraudulent accounts remain on my credit report. I have attached a copy of the previous Letter I sent to the Credit Bureuas to this complaint for your reference. The accounts in question are as follows : XXXX XXXX  XXXX Balance : {$600.00} XXXX  XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$920.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I am expecting the removal of the disputed fraudulent accounts off of my Credit File without delay.
Product: Debt collection

Last week, I filed a complaint against Portfolio Recovery because they reported a collection account on my credit report for {$1800.00}. Prior to this account showing up on my report, I did not receive a notice of my right to dispute. I have no idea what this is, and I am very frustrated that I wasn't even given a chance to answer for this supposed debt prior to it appearing on my credit report. Portfolio Recovery responded to my initial complaint and said they could not investigate it unless I supplied them with additional information. I do not understand how I am supposed to supply them with additional information about the account if I don't know what it is either.