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

I am the assignor to a collateral security bill of exchange or note that has been assigned to assignee U S Bank XXXX XXXX which is in default and did perform a legal fraud foreclosure U S BankXXXX XXXX shall have indictment charge very shortly under 18 U.S. Code Section 1951 for robbery and extortion of acceptance credit signed in blank by good faith
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 9th time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! XXXX is reporting it so YOU NEED TO REPORT AS WELL! 

ACCOUNT XXXX XXXX XXXX
Product: Debt collection

Self had being illegally violating my rights as a consumer, by reporting my information to consumer reporting agency ( XXXX, XXXX, XXXX ) .15 US Code 1681 ( b ) - Permissible purpose of consumer reports states that any consumer report agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) in accordance with the written instructions of the consumer whom it relates. I did not give verbal or written consent to any consumer reporting agency to share my information. This is a clear violation of my rights under 15 US Code 1681 ( b )
Product: Credit reporting or other personal consumer reports

I have been a victim of a data breach and victim of fraud and victim of identity death. The accounts listed below were never open using my consent or permissible purpose or authority. They were open using my personal private information without permissible purpose the following companies never investigated or made contact with me to validate the accuracy of these accounts Experian, XXXX, and XXXX XXXX along with the creditors are in violation of FCRA federal law, as I was never contacted to validate the accounts mentioned. And you may be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law. I have noticed an unauthorized Hard inquiry on my consumer report and would like It removed effective immediately. Here is the information that relates to this unauthorized inquiry. XXXX ( Finance ) XX/XX/year> I have never done business with XXXX XXXX XXXX and I do not have any open accounts with this corporation. Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The previously stated inquiry must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XX/XX/2021 I submitted a formal complaint regarding inaccurate information being reported on my Transunion credit report. 30 days later with no response from initial complaint regarding the incorrect information, on XX/XX/2021 I submitted a request to be provided proof of the inaccurate items.
Product: Credit reporting or other personal consumer reports

My line of credit Account number : XXXX : from XXXXXXXX XXXXXXXX, Balance is " XXXX '' Not over $ XXXX, paid off. please see Attachment from XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX is a senior on XXXX XXXX living alone and in and out of the medical facilites for various medical treatments and procedures. She did in fact hire several law firms to take care of her bills and and her home and all 3 of the the law firms with licensed lawyers with so called experience took her money and even the attorney she gave her check book to pay her expenses is no where to be found. 

After returning to her home she found that none of her bills ( even her utilities were off ) nothing was paid as well as her mortgages. She is now faced with a foreclosure on a second mortgage serviced by Ocwen Loan Servicing. She has tried to speak to Ocwen but has not been able to work out any solution so far. 

She is facing foreclosure on XX/XX/2017. She pray that she will have a chance to save her home. This is a XXXX second loan serviced by Ocwen. 

XXXX has monies available to her that she inherited from her late husband. 
She is able to make payment arrangements and she need and want to save her home. 
She is looking for help ... Please help her!
Product: Payday loan, title loan, or personal loan

I received a collection letter in the mail from Ace Cash Express for a loan that was fraudulently taken out in my name. I have contacted the company and am in the process of filing the necessary paperwork to declare the loan fraudulent however the ease at with which the perpetrators executed this fraud is highly concerning as suggests that Ace Cash Express did not conduct even the minimal amount of due diligence on this extension of credit. My individual credit score is over 800 and have absolutely no outstanding debt do so it makes zero sense that I would seek a pay day loan. This is an obvious red flag for identity theft. This is evidence that Ace does not have even minimal know your customer processes and lax controls on extending credit.
Product: Credit reporting or other personal consumer reports

" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( XXXX  ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX ( b ). The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"
Product: Credit card

I OPENED AMERICAN EXPRESS DELTA SKYMILES CREDIT CARD ACCOUNT ON XXXX OF 2024 AND I WAS PROMISED TO GET COMPENSATED {$400.00} ON THE AIRLINE TICKET PURCHASE AND XXXX BONUS MILEAGE ON DELTA FREQUENT FLYER ACCOUNT. I USUALLY BUY THE TICKETS ON XXXX XXXXXXXX BUT I CHOSE TO PURCHASE DELTA XXXX TICKET WITH FULLY REFUNDABLE ONE-WAY TICKET OF ABOUT {$400.00} TO TAKE ADVANTAGE OF PROMOTION. 

I CALLED XXXX AND TALKED TO XXXX ( AGENT ID XXXX ), XXXX ( AGENT ID XXXX ) AND XXXX ( XXXX ID XXXX ) BUT THEY DECLINE TO PROVIDE ME THE APPROPRIATE COMPENSATION. 

THEY EVEN PROMISED THAT I SHOULD GET THE ABOVE COMPENSATION ON XX/XX/2024 BUT THEY LEAD ME TO USE THE CARDS CONTINUOUSLY AND USED MY CREDITS BUT THEY ARE NOT PROVIDING ME WITH THE PROPER COMPENSATION. 

ATTACHED EVIDENCE LOWERED DOWN THE COMPENSATION OF XXXX TO XXXX MILES AND THEY WILL CONTINUE TO SCAM THE OTHER CREDIT CARD CUSTOMERS IF CFPB DO NOT TAKE ACTIONS. 

THEY GAVE THE REASON WHY I AM NOT ENTITLED TO THE PROMOTION AFTER MAKING ME SPENDING FOR {$4200.00} SINCE XXXX OF 2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Hello CFPB, Recently, I received of my credit report and multiple errors on my Transunion credit report. I am certain that these inaccuracies are affecting my credit file and costing me the ability to apply for other credit. Below are the items that I want verified or removed : - XXXX XXXX XXXX Late Payment/Account XXXX - I have verified with the credit department at XXXX XXXX  that this card should not be reporting AT ALL on my ( XXXX XXXX ) report because I was never a primary account holder on this account. I have already tried to resolve this issue, but since I am no longer on the account, I was not able to get a resolution from the credit bureaus. XXXX XXXX is my wife and the current account holder. Once I ( XXXX ) was removed as an authorized user, the card should no longer be reporting on my Transunion. My rights under the provisions of Section 611 of the Fair Credit and Reporting Act of XXXX are clear, I require these accounts to be removed from all current and future credit reports. Also, please send me the contact information of any individuals and/or organizations you contact so I am able to reach out to them directly on my end. I am certain that 30 days gives them an adequate amount of time for them to take a look at these accounts. By my interpretation of Section 611 ( a ), it is stated that the failure to investigate these items within 30 days constitutes a reason to immediately delete these accounts from my credit file. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CA, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

I am very distressed that your agency continues to include information on my credit file and has not maintained reasonable procedures in your operations to assure the maximum possible accuracy with the reports published. 

You have continually failed with every dispute I submitted to your company and your neglect has violated my rights. 

Since it is apparently clear that you are unable to investigate and re-investigate properly I will assist. 

This account was allegedly charged off in XXXXXXXX XXXX XXXX However XXXX is stating for the same month a OK payed status for the month of XXXX and XX/XX/year>. 
INACCURATE YOU MUST DELETE When I submitted the first dispute regarding this account it has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NO'T include an active payment history. This inaccurate information falsely manipulates the statute of limitations.

INACCURATE YOU MUST DELETE Unde

r 15 U.S.Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Your improper procedures are highly damaging to my credit score. 

This inaccurate account was sold to a third party company and not reflecting a XXXX ( zero ) balance which is a misrepresentation of the account status. 
INACCURATE YOU MUST DELETE Please review attached with third party information. 

Not only listing of aforementioned reasons this inaccurate account is reporting XXXX percent inaccurate and reporting inconsistent balances across bureaus which includes : XXXX. Inaccurate Balance information 2. Inaccurate Payment History 3. Inaccurate Date of last payment 4. Inaccurate Date of last activity 5. Inaccurate Date of opening XXXX. Inaccurate credit limit I could go on and on with additional numbers of inaccurate information that you failed to investigate but I will leave the rest for you. 

I have spoken to representatives in your company and was informed on a recorded line that if I want additional information from your company regarding the accuracy of the account and proof that I was to contact the creditor directly. Please explain how your company is reporting inaccurate information furnished by the creditor and the same inaccurate information is being reported to other bureaus. Please explain how you are illegally violating the rules of the Fair Credit Reporting Act by allowing this to continue. 

Please review attached documents of a side by side view of the inaccuracies that this alleged account is reporting to other bureaus. 

This accounts date of first delinquency illegally being changed to manipulate the statue of limitations Please review attached documents. 

I am demanding a permanent deletion of the following account : XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act XXXX  account # XXXX, # 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 a account without my written instructions.
Product: Credit card

I am a XXXX  citizen and at times difficult to get help with your customer service agents. I have been loyally paying my monthly payments. On XX/XX/XXXX I had to put a deposit of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX therefor i accrued an additional charges ( XXXX ) that were charged separate, and because of that i will not get the full promotion time to make payments without interest. 

Also I was charged XXXX which is outrageous i am assuming a promotion expired. I am going through some hardship and fell this is abuse considering i am paying. 

My payments should be applied to those promotions that are about to expire and it is not being done that way. I feel I should be credited those fees as payment are wrongly being processed and being applied correctly.
Product: Mortgage

I had requested a Loan Modification for my mortgage loan. During the process I was informed I did not have to make a payment until the Loan Modification was completed. Unbeknown to me was that the Lender had filed a Notice of Default [ " NOD '' ] and a Notice of Sale [ " nos '' ] during the Loan Modification process. At no time did they inform me that they had field a NOD or NOS. 

There were fees they required for me to pay in advance, like for homeowner 's insurance, but they never credited me for the payment nor have they refunded the fees paid. They have been very difficult to contact and they have stonewalled me repeatedly.
Product: Debt collection

A collection agency called Niagara XXXX XXXX phone XXXX, Keeps calling me on my cell phone, called my employer and relatives claiming to recovery a debt occurred through XXXX Bank in 2005. They called threatened to send a sherrif from our local courthouse to my job/place of residence within the hour if I do n't call back. Called both the original creditor as well as the IRS to see if this was legitimate, and as far as we can tell it is not. Also no paperwork has come in the past 10 years in regards to this supposed debt? They continue to harass me and family and job. I want to report this as a scam or a fraud or at the very least, violators of the consumer laws
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is reporting a same account on my XXXX TWICE. And also is reporting with different names on all 3 credit bureaus. I recently disputed this error followed by the fair credit reporting act but they have not yet removed this account from my 3 credit reports.
Product: Debt collection

The original debt was for XXXX XXXX XXXX with XXXX XXXX Services, in XXXX due to failure by XXXX to honor statements by their representatives this vehicle was voluntarily surrendered in XXXX however payments were made through XXXX and the vehicle was not picked up until XXXX. The last communication from this company was a XXXX XXXX form sent via email in XXXX of XXXX. Through my own tracking this vehicle was auctioned by XXXX. 
Although we have moved twice since that time no contact was made despite mail forwarding and official change of address with the post office. 
This debt shows closed with a XXXX balance on our credit, however at the end of XXXX this year I was served with judgement papers from Jefferson Capital Systems for the amount of {$8900.00}. 
I have never been contacted, and when I attempted to file a response I couldn't because they hadn't actually filed the papers, now as of XX/XX/XXXX, they filed the default of judgement. I was given no opportunity to file my response with the court, XXXX XXXX in XXXX XXXX North Dakota awarded it to them again with no time for me to file a response or knowledge that it had been filed. 
A response can't be filed officially until the case is filed and with no notice of it being filed and a judge that just pushes it through how can I fight a garnishment that is in fact not valid.
Product: Checking or savings account

Dear CFPB, I am writing to file a formal and detailed complaint against Venmo, a mobile payment service, for grave violations of privacy, potential breaches of consumer protection regulations, and possible infractions of Florida banking statutes. The following comprehensive account outlines the distressing issues I have experienced : Privacy Violation : Venmo consistently requested ID verification and mishandled my personal information, constituting a severe violation of privacy. 
Unauthorized Access and Hacking : My Venmo account was hacked in XX/XX/2023, bringing into question the efficacy of Venmo 's security measures and the protection of user accounts. 
Failure to Resolve Unauthorized Transactions : Despite reporting unauthorized charges, Venmo neglected to promptly address and resolve these issues, compromising the financial security of its users. 
Customer Service Concerns : During my interactions with Venmo representatives, I encountered unprofessional behavior, including representatives hanging up and providing conflicting information, significantly diminishing the quality of customer service. 
Potential Violations of Florida Banking Statutes : Florida Statutes, Chapter 655, Financial Institutions, governs banking activities in the state. Venmo 's actions may have run afoul of these regulations, necessitating a thorough examination. 
My Story : In an attempt to address these issues, I willingly provided Venmo with my ID, successfully verifying my identity. However, the unauthorized charges persist, and Venmo 's inconsistent responses have caused considerable distress and financial uncertainty. 
Request for Investigation : I kindly request that the Consumer Financial Protection Bureau conducts a comprehensive investigation into these matters to safeguard consumer rights and hold Venmo accountable for any breaches of privacy, consumer protection regulations, and potential violations of Florida banking statutes. 
Supporting Documentation : Enclosed, please find supporting documentation, including communication records, ID verification attempts, and evidence of unauthorized charges. 
I appreciate your immediate attention to this matter and anticipate a swift resolution that upholds consumer rights and financial security, consistent with Florida banking statutes. 

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

I HAVE REVIEWED MY CREDIT REPORT AND NOTICED THAT SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Subject : Request for Description of Verification Procedure under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear XXXX Consumer Relations & Legal Department, I am writing regarding my recent dispute concerning inaccuracies on my credit report. As per your response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), you stated that the item in question has been verified as accurate. However, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used to verify the accuracy and completeness of the disputed information. 

The details of the dispute are as follows : CFPB Complaint ID : XXXX Complaint Open Date : XX/XX/XXXX Complaint Closed Date : XX/XX/XXXX Item/Account Disputed : XXXX XXXX XXXX I hereby formally request a detailed explanation of the procedures TransUnion employed to verify the accuracy and completeness of the disputed item. Specifically, I request : 1. A detailed description of all steps taken during the verification process.

2. Documentation of all individuals and entities contacted, including names, roles, and contact information.

3. Copies of any correspondence, including emails, mailings, or call logs, used in the verification process.

4. A summary of the evidence or data that was used to verify the accuracy of the disputed item. 

As required under the FCRA, and in light of the recent lawsuit by the CFPB regarding XXXX conducting Sham investigations, and XXXX being fined by the CFPB for failing to conduct adequate investigations of disputed information in credit reports, I expect this information to be provided promptly. If you fail to comply, I will take further action, which includes seeking additional assistance from the CFPB or other appropriate authorities. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit and XXXX Account # 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 6 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX  XXXX XXXX
Product: Checking or savings account

My direct deposit has not hit my account. 

Also the {$250.00} reward offered for opening a360 checking account was never received. Requirements were met in XX/XX/year>
Product: Consumer Loan

I have recorded phone calls where I have requested they not call me and only communicate through the mail. They still continue to call me. I have these calls recorded. I have saved the voicemails where they leave very detailed information on my voicemails and have given my mom information also. They leave messages on my voicemail saying my account is past due and I can get money out if I come down and refinance my loan and tell me how much. They leave me messages on my voicemail saying it is really important they talk to me by the end of the day then give me a time. They harass me constantly and they would even call relatives that are not references and tell them I will not call them back. I have since paid them off but I can prove the harassment and can give the documentation if needed. I have the recorded phone calls where I told them to not call me again and they still would many times a day even after I would talk to them, they would call me a couple times after.