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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Checking or savings account

As noted in the police report, Venmo has severe security issues. First, once I logged into Venmo and log in information will keep for a long time, which means anyone can use the account to transfer money in the next couple of weeks as long as they have access to the cell phone. They won't be asked for any log in information. Second, there is no extra security added to verify the transaction, such as password, or transfer code. Those security issues means as long as people can access to the device, they can transfer any balance into their account. As I disputed, the following transfers were unauthorized since I lost control of my cell phone. However Venmo team denied my dispute indicated those transactions were made with the same device. Considering the severe security issues for Venmo, they have no solid ground claiming the same device represents authorized transactions! Additionally, I've reported the case to the police and its very clear the police consider those transfers as fraud, as indicated in the report. So the Venmo team is more expertise than the police to understand the situation and define those transactions as legitimate and authorized? 

XXXX Type Status From To Amount ( total ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$2300.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$990.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$500.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$490.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$500.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$100.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance XXXX pulled my credit with my consent or knowledge. 
XXXX XXXX XXXX pulled my credit without my consent or knowledge.
Product: Checking or savings account

I discovered my account was frozen on Tuesday XX/XX/XXXX. Debits were stopped but deposits were allowed to continue. I got on the online chat, they told me to call the fraud dept and that is when I was informed. I called a local branch for help, he called the fraud dept with me and still no luck. I went to work because I am a XXXX  and single person who needed money because it was all just taken from me with no real answers. When I finished my morning clients I walked to the closest branch and a nice gentleman tried called around and still nothing. No answers, no check, no date as to when I will get my check. My work rent is due tomorrow and my apartment rent is due Saturday. I truly dont know what happened, all I get are vague words about XXXX however the account that im told is the issue doesn't receive my XXXX  payments. Generally I dont receive that many XXXX  payments. I am truly stunned and the branch workers were also shocked. I dont know what to do. I can't wait 30-60 days, I could lose my business, livelihood, and my apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Pursuant to 15 U.S. Code 1681a- Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( 3 ) Restrictions on sharing of Medical Information.

Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by coperate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the Consumer for medical products or services ; or ( C ) an aggregate list of identified Consumers based on payment transactions for medical products or services.

Pursuant to 15 U.S. Code 1681b- Permissible purposes of Consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

As a Federal protected Consumer, I never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. Proof of the law Persuant to 15 U.S. Code 1681b is attend with this complaint.

Concerning the accounts listed below as a Consumer Im demanding a deletion of these accounts : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to XXXX  that my identity is being used to submit inquires for credit lines, loans and unsecured credit lines, this is continuously happening and affecting my credit. I have filed an official report with the Federal Trade Commission 's fraud department my claim number is XXXX. I would like all the 70+ inquires in the past two years to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in numerous documentation proofing I dont owe on a auto with XXXX XXXX. 
Bureaus have received proof of documentation stating I do not owe this lender and they are still reporting as a repossession on my credit report when the vehicle was totaled. I have repeatedly tried to get this handle with all 3 credit bureaus and nothing have been resolved.
Product: Debt collection

In XX/XX/2023 I made a purchase using PayPal which would charge my XXXXXXXX XXXX XXXX {$750.00}. I then returned the item to the merchant and waited for my refund. There was a delay in getting the refund so XXXX gave me a credit for the {$750.00} in early XX/XX/2023 and I filed a dispute against the vendor. In XXXXXXXX XXXX  the vendor gave me a refund of about {$730.00} which was the {$750.00} minus return shipping. XXXX did not realize the vendor had returned the funds for 3 weeks until i noticed the refund on my account and called them. They explained that the {$750.00} they credited to me in XXXX had been taken from PayPal and they would return the money to PayPal. XXXX then rebilled me the {$750.00} on or about XX/XX/2023 as I had received 2 refunds for the same item. I assumed at this time everything was over. Until About XX/XX/2023 Paypal also rebilled me about {$74000.00} to my credit card. I also noticed they had blocked me from using their services. I called PayPal several times to ask why had they rebilled me. They told me the merchant issued a refund in XXXX and they ( PayPal ) never received their money that XXXX had credited to me in XXXX. I have called XXXX every week since then several times per week asking them what is the process for returning this money to PayPal. They have told me they returned it to the bank on XX/XX/2023 and PayPal had to check the bank or merchant services. I called PayPal to give them the information and they have stated they see no refunds on their account. PayPal is now emailing me, texting me daily about this debt they want to collect from me. I dont understand why PayPal and XXXX cant work this out. How did I as the consumer get in the middle of this trying to figure out where this money went. I never received any cash from PayPal. This was all transactions through a credit card. So I dont understand why PayPal believes I am responsible for any delays or any debt to them and not XXXX XXXX I have called XXXX numerous times per week asking for help. Asking them specifically where PayPals money went, to what bank, are there any routing numbers etc. XXXX has told me weekly they will look into it and call me back with updates. XXXX has never called me. I dont want this to go on for months and get worse. I need help. I dont understand why PayPal is pursuing me for any debts and not XXXXXXXX XXXX
Product: Credit card or prepaid card

I have ( had ) three credit cards with Bank of America that I rely on daily. This morning I woke up to all three being closed by them for no reason at all. When calling, XXXX XXXX told me my accounts were reviewed and closed due to " authorized user activity. '' I have no idea what that means and they won't tell me or reopen my cards. I've added a few family members to my card so they can have access to credit but I've never missed a payment to Bank of America or any other bank, ever. In fact I've been a loyal BofA customer for twenty years and have paid them many annual fees only to have them close my accounts for no reason with no warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

National Credit Management is attempting to collect a debt for XXXX XXXX XXXX College. The debt is for a class that I enrolled in, but then dropped the class online. I did not take the class and dropped well before the deadline. 

NCM and XXXX claim that I should pay {$320.00} for the class that I did not take and they have filed a claim on my credit report. 

I have advised NCM and XXXX both that I cancelled this class. There appears to be a mistake with their online enrollment system. I have asked both organizations to provide proof that the class was not dropped and they have been unable to provide this information.
Product: Debt collection

XXXX I ordered XXXX and they installed their dish on my roof at my current address. 
( XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX ). 
XX/XX/XXXX I cancelled XXXX. They sent a box to return their equipment in to my current address ( XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX ). 
XX/XX/XXXX Franklin Collection Svcs Inc posted an unpaid debt on my credit report. 
They did this without notifying me first. 

Franklin Collection Svcs Inc XXXX is your case number with our company XXXX is the case number for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ext : XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX I contacted XXXX but they could not find any record of me. 

Franklin Collection Svcs was able obtain a statement. 

On this statement I noticed the service address is wrong. 
They have been sending statements to the wrong address. 
I have never received a statement from XXXX or XXXX XXXX XXXX showing a balance due. 

They should have sent the statement to the address where I live and where their equipment was installed. 

Franklin Collection Svcs Inc had my credit report witch shows my current address. 
They could have used my current address to contact me before posting ( without any prior warning ) an unpaid debt on my credit report. Instead they chose to start harassing me by ( without any prior warning ) posting an unpaid debt on my credit report. 

I work very hard to keep my credit score high, I would never miss a payment. 
Even with all the facts Franklin Collection Svcs Inc continues with the absolute worst form harassment by not removing this unpaid debt from my credit report. 

If XXXX wants the {$85.00} then they need to send a balance due to the service address where I live and where their equipment was installed. 

First email to Franklin Collection Svcs Inc Without giving me any advanced warning you added an unpaid debt to my credit report. 
This form of harassment has cussed me great harm. 
Your action has cost me far more than {$390.00} you are trying to collect. 
My XXXX score has dropped from XXXX to XXXX points. 
You have humiliated me, ruined my credit and embarrass me. 
XXXX has not provided me any reason for this unpaid debt. 
This harassment must stop. 
Remove the unpaid debt from my credit report immediately. 
From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX : Re : Information Requested Current Address XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau 's actions and assertions that the disputed items have been validated frustrate me, especially because they haven't offered me any proof of their claims. My patience has run out, therefore I'm filing this CFPB complaint as my final attempt to handle these issues without consulting an attorney. A sizable amount of illegal accounts as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the XXXX with XXXX XXXX XXXX. I have incorporated that report into this complaint in compliance with the guidelines of FCRA XXXX XXXX XXXX XXXX XXXX XXXX ). To accordance with the law, kindly delete these entries from my credit report as soon as feasible ( i.e., XXXX XXXX ). Let me know if you need anything else, please. Here is the list of accounts that should have been removed from my credit File and yet the Credit Bureaus have continued reporting : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, I have a new job that I recently started I had a chance to see my credit report and seen unrecognized addresses on my credit file. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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, credit repair services, or other personal consumer reports

This information is incorrect, because a deferment was filed to cover months. And no payments were due. So the negative reporting should be positive You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XXXX XXXX, XXXX ( 11 yrs, 4 mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late 0/2/12 Closed XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent my letter. I told the credit bureaus to " investigate every piece of information '' on accounts I listed below. Also I have attached the letter I sent out and here is the tracking Number ( XXXX ) ( XXXX ) ( XXXX XXXX through USPS. 

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. 

Account name/number- XXXX XXXX XXXX XXXX XXXX Account name/number- XXXX XXXX XXXX XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( The Creditors ) XXXX XXXX XXXX and XXXX XXXX the report is not INCLUEDED on my Consumer report! 

A Late payment is a transactional history, My HISTORY with the company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

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: Debt collection

Oliphant Financial of XXXX, GA has been trying to collect a so called debt. 
In XXXX of XXXX I was sent a letter of this debt. I requested a debt validation letter. 
I then sent a letter disputing their findings. I never heard back from them. 

In XXXX of XXXX I then received a letter from XXXX XXXX XXXX of Ohio. 
A debt collector hired by Oliphant Financial. Again I ask for a debt validation letter. I then also disputed their findings. I never heard back from them. 

Now in XXXX of XXXX I received a letter from XXXX XXXX XXXX a debt collector from XXXX Ohio also hired by Oplihant financial. I now going through the same thing again. 

This is clear to me that this is now XXXX and XXXX. They dropped it twice do to lack of evidence. 

Also these so called debts are passed the statue of limitations In Indiana.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 



CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few XXXX credit card accounts and inquries XXXX. ACCOUNT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Intent to file lawsuit, no response for Validation documentation. 


Validation Letter sent to : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account # XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely 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 Finacial 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 and resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Resolution E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX