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

Myself and another mom collected money for a fundraiser for our youth hockey team using Venmo. All of the funds were ultimately transferred to me. When I moved the funds to my bank account to cut a check to our organization both my account and the other user 's were frozen and subsequently permanently terminated. Venmo will not tell me specifically what I did that violated their user agreement, or give me the opportunity to explain what transaction caused the problem. There are over 30 other teams within in our hockey organization that used venmo during this fundraising period and no one else has had problems with their accounts.

They have since stopped responding to my email requests, and when I call them directly I am told that I need to email my account specialist and there is nothing else that they can do for me. Their emails have been vague and only refer me to their user agreement which I have read in its entirety, but I still don't understand what I did was in violation. 

Direct text from their last email : We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems in order to keep these systems robust. However, I'd recommend looking over our User Agreement for information on our policies surrounding acceptable use and high risk activity. You can find our User Agreement here : https : //venmo.com/legal/us-user-agreement/.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint previously but it was closed for duplicate complaint, but I only filed one complaint. 

On XX/XX/XXXX I sent certified mail to XXXX, XXXX, and XXXX to dispute a facetious account on my credit report due to it not being in my name. I sent copies of my social security card, passport card, passport, and birth certificate as verification and the account still remains on my report after the dispute was closed by the respective companies. The account in particular has a suffix on it, and I do not have a suffix in my name. The account has an address I have never resided at as well. These are violations of the FCRA, my personal information, and it is impeding my credit worthiness.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX XXXX AND TRANSUNION 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. 




Closed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed the accounts with the credit bureaus because they do not belong to me. I did not get a response or results. So I sent another letter XX/XX/XXXX and the credit bureaus still havent responded. From my knowledge the credit bureaus have 30 days to complete an investigation or the accounts must be deleted according to Section 611 ( a ). So now these accounts need to be deleted immediately or I just might file litigation because this is becoming super stressful and the credit bureaus have been ignoring me on purpose. I am also a victim of the Equifax data breach so XXXX knows who have gotten my information. 
The accounts that do not belong to me and the credit bureaus have been ignoring my disputes are : XXXX XXXX and XXXX XXXX.
Product: Vehicle loan or lease

In XX/XX/XXXX, I lost my job for more than 6 months with a young child, which caused my previous car to be repossessed. Therefore, when I got a job, it was far and I had to settle for a second chance auto loan lender, Credit Acceptance. I was told that I would be able to refinance the car to lower the interest rate but this never happened. No lender would refinance my vehicle because it has negative equity. I have had my car appraised, and it was estimated at being worth {$3500.00}, with me owing Credit Acceptance roughly {$14000.00}. No auto loan lender will refinance my current loan nor allow for a trade in with such a high loan balance. Essentially, i am stuck in this loan with a car that is fallen to pieces. The car does not shift gears properly without me using a screw driver, I am having transmission issues which have caused me roughly $ 2K to date, every time I have paid for my car door to be fixed it breaks again so I have roll down my window to open the door from the outside. My monthly payment is {$540.00} on this XXXX XXXX XXXX. I have asked Credit Acceptance to lower my interest to rate or lower my buyout so another auto lender can approve me to get another car and so that my roll over amount is lower. I have gone to 5 dealerships who have stated I am stuck in this loan and they can only assist me if my outstanding loan amount was roughly 50 % less. I think it is beyond ridiculous that second chance auto lenders are taking advantage of consumers who fall on rough times, where they have no programs to reduce interests or car appraisal for extreme cases such as myself. Additionally, they have poor customer service, where their customer service reps are beyond disrespectful and they call constantly when you have already agreed to a payment plan with another rep. I have also asked to speak to their legal department to try to come to a conclusion and they never called me back.
Product: Credit card or prepaid card

Purchased some items from XXXX online store. Items did not fit. Returned. Received just partial refund. Filed a claim with the bank issuer, provided return labels, i even have pictures saved on my phone of packing, taping and labels with UPS return labels. 

Filed a claim with Wells fargo. Claim status : Claim open - waiting for merchant. 

Today : Claim status : Closed, unfortunately we are declining your claim because we should have some mystery form that we did not get or send to you. Even if i provided them with the return tracking numbers. Completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, AMEX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, AMEX add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed at the Credit Bureaus for doing nothing to remove the previously disputed Items completely from my Credit Report. I was a victim of Identity Theft and these items were incurred due to identity theft since I never authorized nor signed any paper which binds me with these items. How many letters do I still have to send for the Credit Bureaus to take action and have these items removed from my Credit report? I have read that th Credit Bureaus are required to remove any item that resulted due to identity theft within 4 business days. The last letter I sent to the Credit Bureaus was XX/XX/2022, a month had passed by already and upon Checking my updated Credit Report, I never seen any changes at all! I am persuaded to take legal action against the Credit Bureaus if they fail to remove the disputed fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX, XXXX, LA XXXX GXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed fraudulent inquiries and accounts with Equifax XXXX  times on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX they have not removed the fraudulent entries nor have they provided me with verifying information they have refused to investigate the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and an accoout from XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a capital one savings account. To open the account I had to scan my ID. Then I had to call to verify my phone number on which call I had to scan my ID. Then I called again to link my account, on that call I had again had to scan my ID. All these calls were successful although a very time consuming process over and over. However, after depositing money in my account it is now locked and I have no access. I called to regain access and again was asked to scan my ID, I did as usual but this time all of a sudden they are saying it's not working, conveniently after making a deposit now the same thing I've done over last few weeks isn't working. I was told to go to a branch with my ID and SSN card. But I don't currently have my SSN card and would have to order it. When I went in I was told there was nothing that could be done without my social security card, I even asked that my account be closed due to all the trouble and was told there was no service I could be offered without the SSN card. This is very frustrating and I just want to close my account with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian I have disputed incorrect items and they refused to remove. I have provided supporting documents.
Product: Debt collection

SW CRDT SYS is reporting a collection for an account that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. It was for XXXX. While the account was in good standing I stopped this service. That was over 9 years ago. I had never hear from SW CRDT SYS so I contacted them and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false. This single account violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and FDCPA Section 806.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies have been neglecting my numerous CFPB Complaints and Dispute letters that I have been submitting to request the removal of the disputed accounts and information from my Credit File under the provisions of the Fair Credit Reporting Act section 605b. However, the Credit reporting Agencies have been claiming that the disputed account belong to me without sending me copies of proof of verification or any proof of ownership. I have been requesting that the Credit Bureaus send me copies of proof of verification if they ever claim that the disputed account and yet they have failed. This action of the Credit Bureaus is a clear violation of a consumer 's rights under the Fair Credit reporting Act section 605b. I am submitting this CFPB complaint to inform the Credit Reporting agencies that I am willing to file a lawsuit against the Credit Bureaus in the event they do not remove the disputed account from my Credit File. If it is not too much to ask, I am in need to remove the disputed account from my Credit File : 1. XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the advice of legal counsel I am submitting this complaint again with the new developments that have occurred. I had an account with MoneyLion that is now paid off but is still being reported as " currently 90-119 days late '' on my XXXX credit report, 90 days late on my XXXX  report and 30 days late on XXXX. As stated in my previous complaint, I was under the impression that MoneyLion had me on a payment plan to prevent an ongoing past due status. When I made attempts to make payments, MoneyLion would bill my bank for {$36.00} over 5 times on the same day, which caused me over {$300.00} in overdrafts fees on on occasion, and {$100.00} on the second time it occured. Due to MoneyLion 's failure to provide me with a proper statement, or send proper communication regarding this debt, I never had any idea of the account 's status. After my previous CFBP complaint, MoneyLion refused to speak to my on the phone since I advised them I would be recording the call. MoneyLion then stopped responding to my emails which eventually led for me to ask for arbitration to settle this matter. I never head anything back, as you can see in the attached evidence. MoneyLion continutes to cause me harm with this account, as the currently deliquent remarks are preventing me from living a normal life. Especially the 90 day delinquent notation. Incuded is a recent adverse action letter that mentions the " Current 90 days late '' and the " delinquent account '' as reason for the denial. MoneyLion is the only account reporting delinquent on any of my reports and I can not get auto insurance for decent rates because of it ( see attahced ). MoneyLion must  immediately remove all late notations since they changed the status of this account numerous times and each time has no rhyme or reason. This is a shady company and I can only imagine what sort of other usury and falseness is going on with their other customers. I would like to also go on record that I intend to peruse this as far as it needs to go, up to and including legal action, arbitration, etc.
Product: Credit reporting or other personal consumer reports

I'm writing to share my concerns about several issues I've encountered with the credit bureau. These include incorrect account listings, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS
Product: Mortgage

Every month when I attempt to pay my mortgage there are issues with paying it. I pay online as I am in Arizona and the property is in Ohio. I am never able to access my online account and it is constantly changing. I call into the mortgage company and they are not able to assist me with this. The only thing they have to offer is over the phone payment with an additional {$12.00} charge or I end up having to pay a late fee of {$20.00} as after the XXXX of the month, my account always miraculously starts working again. This has been an ongoing issue for over a year. I also cancelled my home owners ins in XX/XX/2017, as the home is under a land contract and the tenant has his own home owner 's policy and they are still charging me $ XXXX/mo for ins that has been cancelled. I believe this is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

XXXX XXXX XXXX {$44.00} - Original Debtor XXXX XXXX XXXX XXXX. This debt has been paid. Account Number XXXX No Account Number listed. PLEASE REMOVE XXXX   XXXX {$230.00} - XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE XXXX   XXXX - {$830.00} XXXX XXXX XXXX XXXX, KY XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX - PLEASE REMOVE XXXX and XXXX - Original Debtor - XXXX XXXX XXXX {$170.00}. PLEASE REMOVE PAID. 

NONE OF THESE ACCOUNTS HAVE ACCOUNT NUMBERS AND THEY HAVE BEEN PAID
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report via XXXX XXXX, I noticed credit inquiries that I did not authorize. Made by the following companies : XXXX XXXX XXXX XXXXXX/XX/XXXX Global lending Service XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX