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

on XX/XX/XXXX i made a venmo for my brother to send me XXXX $ ..as soon as he sent the XXXX $ venmo froze my account for no reason at all. i called them and verified my identity with ID twice and they said everything would be taken care of but 2 months later my account is still frozen
Product: Credit reporting or other personal consumer reports

aIn 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 168b permissible purposes of consumer reports. 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. 
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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 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 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is getting ridiculous. This morning I woke up with 7 new inquires but all date from XXXX and XXXX, with no accounts attached to these inquiries. I have not authorized any of these inquiries so why are they being added to my consumer report? These fraudulent inquiries they weren't investigated properly before adding to my consumer report has dropped my score XXXX points and I'm in the process of buying a vehicle. I called Transunion and spoke to a XXXX XXXX who said she's the supervisor. She told me she doesn't know how these unauthorized inquiries popped up on my consumer report but she couldn't help me. What!? The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of them being added recently, The dates on them and a copy of a 3 previous consumer reports from XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I have viewed my credit reports as of XX/XX/XXXX, XXXX have noticed some account status were not accurate.According to the Fair Credit Reporting Act, when a reporting agency prepares a credit report to shall follow procedures to insure accurate information about individual.These accounts as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been settled in full, due to COVID. I have reached out to the creditor regarding this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an update to my credit report regarding a debt that was written off and reported to me via a XXXX form by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The details of the debt are as follows : XXXX XXXX  SSN : XXXX Date of Write-off : XXXX XXXX XXXX : XXXX Date of Write-off : XXXX XXXX XXXX SSN : XXXX Date of Write-off : XXXX XXXX XXXX SSN : XXXX Date of Write-off : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Write-off : XXXX XXXX  SSN : XXXX Date of Write-off : XXXX As per IRS regulations, when a debt is canceled or forgiven, it shall be reported to the credit bureaus. Therefore, it is essential that my credit report accurately reflects this change in my financial status.
Product: Mortgage

On  XXXX   XXXX ,  XXXX  I sent a certified letter to  M & T bank loan modification dept  ( CERT MAIL #  XXXX  ) That letter was in response t o a trail m ortgage period in which the loan was NOT modified from its current status. Namely, the bank wanted {$1200.00} per month and the original loan was about the same payment.     I received NO consideration for my changed employment status. Specifically, the bank did not change in the interest rate, change in the principal amount of the loan, change the length of the loan nor the total amount of the payment each month.     The banks letter specifically stated that if I was unable to ma ke the trail payments  that I should contact the bank for additional options. I never heard back from them.     My attorney filed an appeal to the NYS appellate court to challenge mistakes in  the county  court and in response to this appeal which was to be heard on  XXXX   XXXX ,  XXXX  the bank forced a foreclosure sale on  XXXX   XXXX ,  XXXX  in attempt to obtain the property before the legal questions were answered.     These questions included : 1. Did the plaintiff comply with the strict requirements of   XXXX     XXXX  and  XXXX ?     2. Has the plaintiff proven standing to commence a foreclosure action?
3.   Was it error to grant summary judgment when the defendant had served discovery demands and the plaintiff never responded?
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the CRA 'S due to XXXX XXXX XXXX XXXX XXXX XXXX ) trying to collect an alleged debt that has not been validated. The original creditor, XXXX XXXX has been sent a CFPB complaint. The alleged collection agency, XXXX XXXX has no verifiable information such as a website, phone number, address, and they are not listed on the CFPB or BBB. Additionally, XXXX XXXX has failed to provide their license to collect debts in the state of Texas. After conducting my own search through the Texas State Comptroller, I have found that XXXX XXXX XXXX is not registered to conduct business in Texas. Their business transactions have also been forfeited in the state. These actions indicate that they are engaging in illegal business practices within the state. How are the CRA 's allowing an unregistered business to report on consumer reports? This is illegal. Given these violations, I am requesting the immediate removal of this tradeline from my credit report. Furthermore, the information reporting on my credit report is inconsistent between all 3 credit bureaus. XXXX XXXX has also been accused of a loan churning scheme according to the CFPB and I will use this information in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently pulled my credit report to try and buy a home and noticed damages on my credit report, As well as multiple inaccuracies. With the damaging credit report, I was not able to move forward with my applications for my family home. In accordance with 15 U.S.C 1681 there should not be anything damaging on my report, it is defamation to my character. As well as 15 U.S.C 1681 602 ( a ) Accuracy and fairness of credit reporting. 

I did dispute all accounts on XX/XX/XXXX asking for validation on debt they came back XX/XX/XXXX as verified or they updated the accounts. and put me past due on XXXX account which shows open in XXXX. Consumer reporting agency may not report outdated negative information that is more than 7 year this account is showing 7 years and 4 months. account they did not validate
Product: Checking or savings account

I initiated a transfer of {$100000.00} thru synchrony bank from my XXXX bank account to open a CD with synchrony bank on XXXX XXXX. My XXXX bank account shows the money was withdrawn on that day. On the same day ( XXXX XXXX ) that synchrony received the money they had also closed the XXXX that the money was going to. Since there was no account for the money to go to synchrony was sending the money back to my XXXX account. as of XXXX  XXXX XXXX that money has not been returned. I have made numerous calls to both XXXX and Synchrony regarding this situation. At first I was told by Synchrony the money would be in my account within 5 to 7 business days. then 4 more days then tomorrow. The next information I got was the money was being held by XXXX XXXX, that handles the ACH transfers for Synchrony. XXXX would not speak to me about this issue and would not confirm that they were holding the money. I had asked XXXX on several occasions, at the direction of synchrony to do a Debit Reversal, however, on a conference call with myself, XXXX and XXXX we were told that XXXX would not talk to XXXX about this matter because there were not a client of XXXX. Synchrony continues to insist that there is nothing they can do and that XXXX has to retrieve the funds which they can not. At this time Synchrony is not returning calls to me or providing information when I call them. Each bank tells me the other bank has to retrieve the money and there isn't any more they can do. For the past 30 days I have repeatedly tried to get both banks to get involved with finding this money to no avail. There is NO where for me to go to resolve this matter if neither bank is willing to, Yet my {$100000.00} is still missing and earning no interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report.XXXX charge off account opened in XX/XX/2007 in amount of XXXX in account ending in XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is about the following accounts : COLLECTION : XXXX XXXX, which you claim, I owe [ {$440.00} or my account was charged off {$440.00} ]. COLLECTION # XXXX, which you claim, I owe [ {$57.00} or my account was charged off {$57.00} ] .This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting fraudulent trade lines on my credit report.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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

on XX/XX/2020 I went to try to purchase a house with XXXX XXXX  and was denied for having 10 negative accounts on my credit report. I have never authorized any of these accounts from being open or have ever authorized anyone else to open them in my name. I have never benefitted from any of these accounts being opened or have received any money or goods in good faith from the accounts. Please remove them from my credit report. I have a filed a police report regarding these accounts being opened as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX XXXX reporting agency reduce my score XXXX points and the only thing that has change on my credit history recently is that I paid off a credit card. When I asked them my why reduced my score they told me they can not give credit advise. They were also still reporting a collection from my past that should had been removed. I have sent them a copy from the circuit court in XXXX XXXX County, IL stating that the collection has been dismissed as of XX/XX/XXXX but Equifax is the only reporting agency that refuses to remove it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting erroneous lates to my account that I should not have. I made my payments but for some reason the payment was returned. My XXXX   account that I used to pay was valid and I had money in there, my bank drafted a letter for XXXX XXXX stating that there was no reason on their end or mine that the payment was returned. This was an issue with XXXX XXXX and I would like these lates removed off of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am a real person and I am a natural person. I am a living human being and I have the rights under 15 USC 1681. XXXX, Experian, and XXXX are governed by 15 USC 1681 and they are violating my rights numerous times. I demand the INQUIRIES listed below to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
All these inquiries are unknown and I have never authorized them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by the federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on the credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. According to 15 USC 1681 : I have the right to privacy and I did not give any authorization or written permission to furnish these accounts on my credit reports. In accordance with the Fair Credit Reporting Act, the inquiries attached are violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( a ) ( XXXX ) 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. These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

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 : XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe
Product: Mortgage

I made a mortgage payment in XXXX XXXX for the wrong amount. I received a notice that I was late and the payment I made was in the suspense account. On XXXX/XXXX/XXXX I sent the correct amount and sent them a note on their web site to return the {$810.00} in the suspense account. I have called them many times and was told they would sent the funds back to me. 
I received a letter today stating they could not send the {$810.00} back. Checked my account and on XXXX/XXXX/XXXX when they applied the payment the balance was XXXX On my XXXX XXXX statement shows I am owing over XXXX then the XXXX XXXX statement shows over XXXX in the suspense fund. On the payment history on the DiTech page it show my balance went up to XXXX. I called and asked for a correct statement for how the funds were applied and was told to look at my statements. Also it is not possible to refund the XXXX. Also the letter I received to day says only XXXX was applied to principle, what happen to the other XXXX? If I go by the statements I was charged 2 more months of late fees. I need you to send someone to audit the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 any item 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2012, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello Ive been trying for months to get this issue resolved as my information was stolen during a breach and it has caused me harm personally and financially.. who ever got my infomation has been running up medical bills. and i need these items removed as its effecting my job status and future goals.
Product: Debt collection

Charged off account didn't receive a IRS 1099 C form
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>. The accounts in questions are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.understand that, pursuant to section 605b of the Fair Credit Reporting Act ( FCRA ), it is your obligation to block fraudulent information resulting from identity theft within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity was stolen and was used to apply for accounts that I personally DID NOT apply for. there are hard inquiries from varies company that has stolen information with out my signature or my consent. 

XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX UXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALL CREDIT CAR SALES XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ALL CREDIT CAR SALES XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AMEX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

My wife and I have a home loan, but NO OTHER DEBT. We are not only current on payments to our loan, but lucky enough to be able to pay extra. 

XXXX Debt collectors keep contacting me and threatening me that I have outstanding debt and that they are going to take our home, but wo n't give any information to me unless I give them personal contact information. 

I did NOT give them any information, so I do n't know the nature of the false debt or whether someone else is fraudulently using my name. I ca n't tell if THEY are the scam, or someone else is using my info to rack up debts. Please help! 

The number they used is XXXX extension XXXX THANK YOU for your time.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.