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

I recently reviewed my credit report and noticed an account that was not reported accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account hasnt not been late on the payments. I have attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) Im now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on-time immediately. Thank you for understanding and prompt action.
Product: Credit reporting or other personal consumer reports

FAMILY & EDUCATION ACTXX/XX/1974 PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The Secretary discharges a borrower 's ( and any endorser 's ) obligation to repay a Direct Loan if the school, without the borrower 's authorization, endorsed the borrower 's loan check or signed the borrower 's authorization for electronic funds transfer, unless the proceeds of the loan were delivered to the student or applied to charges owed by the student to the school
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that were fradulent and should be removed from my consumer report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ally Financial
Product: Payday loan, title loan, or personal loan

Harrassed persistently about a title loan taken 4 years ago. The company is a third party compan y for BuckEye Title Loans. Th is company is called  XXXX . We received a call from them several times all day all night long, threatening, harassing and just annoying calls. We try to talk to them about the debt that is owed, but they cut cut us off hang up and are very disrespectful and rude. We want these calls to stop. I believe the company is a scam, but they received my information from Buckeye title loan somehow.
Product: Credit reporting or other personal consumer reports

XXXX XXXX bought an account that was closed off of my experian account due to fraudulent activity. XXXX put it back on my account and when I went to dispute it with the company the company never sent me the original copies of the contracts they just stopped responding until a couple months later when they sent me a letter saying I owe them XXXX dollars.Again they put it on my XXXX account and XXXX just tells me to contact them starting the process over again. Its still on my credit because yet again they stopped contacting me. Also how am I paying XXXX to be notified of any changes and Im not getting notified of when theyre adding the same exact thing over and over again
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX ) XXXX XXXX open XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX  DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. WELLS FARGO BANK CAR XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

I request that you investigate and remove these 10 fraudulent inquiries from my credit report immediately. I also request that you provide my written signature and my authorization. Find my signature, I also request that you provide us with all relevant documentation related to these Under 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I didn't give XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX permission to go into my credit reports so my privacy has been violated under The Privacy Act of 1974 The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. List of inquiries that needs to be removed with Records Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX 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 card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for, yet they are erroneously reporting me as late.
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 resolution process was unfair and and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation 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

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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX 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

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT XXXX. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card

I have auto pay with Capital One set up to take {$59.00} per billing cycle. My minimum payment was increased to {$63.00} and they charged me {$39.00} late fee got being {$4.00} short of my minimum payment. i believe the increase in payment was due to an increase in my interest rate which i was never notified about. How can a company charge {$39.00} late fee when the consumer made a good faith payment. I do admit to being particularly bothered that they can assess a {$39.00} fee for a payment that is only {$4.00} short of the required amount. There needs to be more oversight on these companies and the arbitrary amount they can charge as a late fee
Product: Credit reporting or other personal consumer reports

The Following Accounts are a result of Identity theft and are not mine, I am requesting and demanding a FRAUD BLOCK REQUEST. I demand that the following accounts are BLOCKED IMMEDIATELY under section 605B Of the FCRA ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, 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 ; INCLUDED ( 2 ) a copy of an identity theft report ; INCLUDED ( 3 ) the identification of such information by the consumer ; and INCLUDED ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( This Notice ) INCLUDED I demand all the above Fraudulent accounts BLOCKED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Thank you. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ADDRESSES ARE INCORRECT AND IN ERROR. I HAVE NEVER LIVED AT THESE ADRESSES. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX. 

I HAVE DISPUTED THESE ADDRESSES IN THE PAST, AND HAD THEM REMOVED FOR THEM TO ONLY BE PUT BACK IN MY REPORT.
Product: Credit reporting or other personal consumer reports

Hi Team, on XX/XX/XXXX i sold my lease XXXX XXXX XXXX XXXX, XXXX XXXX to XXXX XXXX XXXX, XXXX CA XXXX i informed XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX about the sale proceed so that they don't mark my account as past due/30 Day past Due/60 Day Past Due. the representative of XXXX XXXX Acknowledged it over the call. but few days later XX/XX/XXXX ) i received a Credit Alert on my Experian report for 30 days Late payment reported by XXXX ( XXXX XXXX XXXX ) also known as XXXX XXXX XXXX XXXX. which is very irresponsible and brutal to customers who were loyal with them through out the lease contract and were never late. its showing they received the Payment on XX/XX/XXXX from XXXX XXXX XXXX though in informed them of the Sale Proceed on XX/XX/XXXX.
Product: Credit card or prepaid card

I XX/XX/2018 I purchased furniture from XXXX XXXX. The furniture was put on my XXXX synchrony bank credit card and the rest of the amount which was the delivery and the tax was put on my XXXXl XXXX card my XXXX XXXX XXXX. I started thinking about it and called the merchant and called the credit card companies to find out that I am being charged right now for those items Im being charged for the delivery and the tax charged for the items when I do not have the items in my possession because they are on back order and I will probably not get them for two months. I would like to know how this is a legal procedure for a company to do and for credit card companies to approve this type of transaction when a consumer is charge for an item that they do not even have in their possession it has not been delivered to me yet and therefore I am not only paying for the item by am paying the tax and the delivery charge on an item that has not even been delivered to me and will not be delivered for two months I want to report this ass consumer fraud because I dont know what else to call it and I dont know what else to do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to formally complain about the unethical practices of Venmo, which have severely impacted my financial situation and wellbeing. 

Recently, my mother sent me {$70.00} through Venmo to assist with essential expenses, as I am currently experiencing homelessness and seeking resources through county assistance. Unfortunately, I was unable to access this money. Despite creating a debit card linked to my Venmo account, I encountered multiple issues that prevented me from using it for basic needs, such as purchasing food or gas. 

When I attempted to link my Venmo account to other payment methods, I was met with continuous errors. My attempts to contact customer service through their chat function were frustrating and unhelpful, as the automated responses did not address my concerns. I have numerous screenshots documenting these interactions. 

This is not my first negative experience with Venmo. After being a victim of hacking earlier this year, I deactivated my original account. However, despite my request for complete account deletion, Venmo reactivated my account without my consent, demonstrating a troubling lack of understanding and care regarding potential fraud. 

In creating a new account with a new phone number, I encountered further issues. My account was suspended due to identity verification problems, locking away funds that I depend on for survival. Despite providing the necessary information, I have been told that it will take 5-6 days for a decision to be made, leaving me without access to critical financial resources. 

The way Venmo handles customer service and account management is deeply concerning. Their negligence in addressing issues related to identity verification and fraud prevention is alarming, especially given the critical nature of these services for individuals in vulnerable situations. 

I urge the CFPB to investigate these practices and hold Venmo accountable for their failure to support customers effectively. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2020 I was going through financial difficulties and was unable to make the payments on time. However today I am in a better financial situation and have been paying my bills on time and even paid off the balances for all my credit cards. I have asked several times by Calling and sending letters of goodwill. They will not help me during this time although my cards are in good standing as of today and I have been paying on time.
Product: Checking or savings account

XX/XX/year>2025 my direct deposit was not deposited into my checking account. Reached out to Capital One and they had no help and resolution for the problem.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX th, XXXX, The Creditor, XXXX XXXX XXXX  sent an email informing me that they deleted their negative reporting from my credit report. It reads : XXXXXXXX XXXX XXXX has requested that the major consumer reporting agencies either change XXXX XXXX XXXX 's tradeline, concerning this Account ( my credit report shows two accounts, where XXXX XXXX XXXX allowed someone to open another account in my name and make fraudulent charges, after having a security alert and credit freeze on my credit file ). 

They knew the accounts had received multiple fraudulent charges, so I sent them the police report and FTC report to have the account deleted. They then sold the same accounts to XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, when they knew they were deleted and paid, due to Identity Theft. Is that not illegal? Is that ethical? How are there two accounts for the same company, that opened around the same time? One was opened fraudulently and one was used to make fraudulent charges on my credit accounts that thieves stole from my purse, while I was in the gym. A police report was sent as well. As of today, XX/XX/XXXX, XXXX XXXX, XXXX is still trying to collect funds on a closed debt. I demand they remove these inaccurate collections accounts from all of the major credit bureaus reporting negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuesday XX/XX/XXXX I the Secured party creditor sent a letter certified mail which contained a proof of contract request between the secured party and the president " XXXX XXXX '' of speed loan company making these commercial claims against me. " Without prejudice ''. If XXXX cant provide the information within 30 days they must by law remove the derogatory mark. " XXXX '' my rights are governed under this law. Now following my due dilligence I have made a report to identitytheft.gov to report the theft of this debt collector making these claims that I the good faith creditor blood and flesh owe a debt in the United States of America. Next I have come to the CFPB because by law this collector has violated my rights. Furthermore this collector was place on my credit without my written permission. 15 usc 1681b under this title and section my rights are governed. Also this collector is in vioation of 15 usc 1681n Civil liability for willful noncompliance. Which states ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

I never authorized this consumer transaction and i never authorized the furnishing of this this transaction.