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

About a month ago I signed up for a Venmo account. I work at the XXXX XXXX XXXX XXXX and XXXX ( XXXX ) and we are having a training session in XXXX for XXXX of my coworkers. I have been tasked with organizing catering for the training so we can have lunch delivered to our training classroom. I opened the Venmo account to collect each participant 's portion of the catering bill. The government ( and therefore XXXX ) does not pay for food and drink at trainings. Three people so far have transferred {$40.00} each to my Venmo account for their portion of the catering bill. However, last week, I received a notice from Venmo saying my account was frozen due to suspicious activity. They said I needed to verify my identity. So I followed their instructions to verify my identity by submitting photos of my driver 's license. They kept my account frozen and sent me another message saying after further review that I have violated their terms and conditions of use but they will not tell me what I violated. All I did was open the account, receive XXXX transfers of {$40.00}, try to connect my bank account, and send my identification to verify my identity. But my account is still frozen. I can not connect my bank account. I can not send the money I received back to the XXXX senders. Venmo says they XXXX wipe the funds from my account. Meanwhile, when they say they XXXX wipe the funds from the account, I am concerned they will just keep the money. I have requested that since they will not let me use the account, that they just send the money in it back to the senders and close my account. They responded by saying they are sending my account to another department to review further. I have canceled the catering for my fellow coworkers. I want Venmo to return the money back to the people who sent it and close my account and delete my data. I do not want to use their service for any reason. This is a scam what they are doing. Please do something. My Venmo username is @ XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with Equifax for failing to properly investigate my disputes regarding an accuracy in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax compliance with federal law and provide consumers with a necessary proof of investigation. I am requesting the accounts that were disputed on the latest investigation, in the past XXXX years be deleted.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I have been dealing with the negative marks about this creditor. I have sent letters asking to substantiate this debt. All the letters, phone calls, have not furnished proof of debt that is allleged. Yet they continue to leave the derogatory marks on my record, with no proof of such debt
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I went to XXXX online to see my current credit report. There was a new account as of XXXX of XXXX for XXXX that was sold to a debt collection company called Southwest Credit Systems , L.P., in Texas. I called the number on the report. The representative first inquired as to whether I was still living in Kansas. He then asked my the numbers of my address for my dads house ( which I resided at over 10 years ago ). He said I owed XXXX and that the account was last paid in XXXX. I have no recollection of any of this because it has been several years and I am a XXXX XXXX customer. Further, I had good credit prior to getting XXXX XXXX in XXXX since that time, according to XXXX, 29 accounts have been opened in my name. It is absolutely ethically and morally wrong and I cant believe we live in a world where this is even allowed to occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account XXXX XXXX XXXXXXXX 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 reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date
and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

Funds were taken from my checking account on these dates and for these amounts. All the funds were taken by using XXXX. I am XXXX XXXX XXXX. I have never used any type of app to move money in my entire life. I don't know how to use them. You can clearly see that in all of my banking records. The total amount comes to {$6800.00}. I have went to Chase several times in person and filed the proper paperwork and complaints and they have denied me multiple times to refund me of the money that was clearly taken from my account. I also filed 2 police reports about this situation, which I will attach below. 

XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$920.00} XX/XX/XXXX, XXXX {$870.00} XX/XX/XXXX, XXXX {$740.00} XX/XX/XXXX, XXXX {$630.00} XX/XX/XXXX, XXXX {$620.00} XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$380.00} XX/XX/XXXX, XXXX {$380.00} XX/XX/XXXX, XXXX {$360.00} XX/XX/XXXX, XXXX {$350.00}
Product: Checking or savings account

I made a payment through the Navy Federal Credit Union ( NFCU ) XXXX  app using an ACH transfer. Initially, the payment was displayed in the app, but it disappeared the next day, which was unlike my previous experiences. Thinking I hadn't completed the payment, I made it again. Shortly after, I realized the first payment had been processed, but I couldn't cancel the second one due to repeated app errors. The next morning, both payments were posted to my account. I contacted NFCU to reverse the duplicate payment because of the app 's failure to provide updated information. I had closed my checking account with NFCU nearly a year ago due to suspected predatory practices. NFCU responded that I need to reopen a checking account to process the reversal. I believe this situation highlights unfair practices and request an investigation into NFCU 's operations.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX  XXXX # XXXX, opened XX/XX/XXXX XXXX XXXX : # XXXX, opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX I reviewed my XXXX credit report on XX/XX/XXXX, and noticed several inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as stated in 15 USC 1681e ( b ).

Furthermore, under 15 USC 1681i, they are required to handle inaccurate or unverifiable information as follows : Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Additionally, according to 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Given these circumstances, I request immediate correction and compliance with the FCRA requirements. Please confirm receipt of this email and inform me of the actions taken to rectify the inaccuracies in my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXXXXXX 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 that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried to dispute these items for inaccuarate info on credit report. they refuse to correct or remove items listed. i pulled my credit report to see that the same inaccurate items exist on all 3 cb..i demand that these items be removed do to cb 's are in violation of the fcra..
Product: Debt collection

Dispute been going on since XXXX Certified mail sent XX/XX/XXXX
Product: Debt collection

This was an letter I sent via certified mail and there was no response. 

I received a copy of my credit report to find the following items to be incorrect. 

I have explained the discrepancies in the numbered entries listed below : Acct name & number XXXX XXXX XXXX Account number XXXX {$5300.00} According to my records the information you are reporting on this account is in accurate. I demand that you remove this information from my credit report immediately. 

By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that these items be investigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up.

Under the terms of the Section 1681i of the Act, you have 30 days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety.

Also, pursuant to 15 U.S.C. Section 1681d of the Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the below address. According to the provision of Section 1681j, there should be no charge for this notification.
Product: Credit reporting or other personal consumer reports

My federal student loans were transferred from XXXX to XXXX. There should only be a balance with the XXXX loans since I no longer owe any balances to XXXX. However, both XXXX and XXXX are reported with the same balance, duplicating the amount I owe and making it appear that I owe twice as much money as I actually do. I have contacted both servicers and have also filed disputes with the reporting agencies, but they have not done anything to resolve the issue. I just read an article in the XXXX XXXX that there are at least XXXX XXXX duplicate student loan records appearing on credit reports, and they are from borrowers that had loan balances transferred from XXXX to XXXX as well. This has been reported incorrectly on my credit for over a year now and I deserve a resolution.
Product: Checking or savings account

I received a text from XXXX regarding a package being temporarily detained. It wanted me to clear the parcel by confirming the zip code address in the link that was listed below. I clicked on the link thinking it was for a skin care item I recently ordered. I then got a fraud alert text message from Schools First Federal Credit Union and replied valid thinking it didnt recognize me clearing the parcel. This occurred on Friday the XXXX. On Saturday the XXXX I was at the grocery store and my card wouldnt work due to my limit being reached. This was strange because I did not purchase anything that day other than balloons at party city. I looked at my account and all of the money from my XXXX account was taken ( about {$500.00} ) and they also pulled {$3500.00} from my savings account. I locked my card and I called XXXX XXXX immediately and told them the situation. At that time the fraudulent charges were pending. She recognized the XXXX scam right away and locked my card as well as worked with me to file a fraud claim. She stated that the claim was made but since there were so many charges, the last XXXX would have to be added additionally. The schools first representative removed the charges and returned the fraudulent charges back to my account. However, the next day my balance was {$0.00} and the money was removed. I called again the morning of XX/XX/XXXX to ensure that all the charges were put on the claim. He made a statement confirming that all the charges were identified as fraudulent and were added to the claim. From here, he stated we would be contacted in the next XXXX hours. The fraud claim department called me the morning of Tuesday, XX/XX/XXXX and stated that this situation would not qualify for a fraud claim to get my money back since the fraud alert text message was confirmed. How is this possible if schools first is aware that they are fraudulent charges?
Product: Checking or savings account

I use a Bank of America product referred to as Bill Pay with a feature called " Auto Pay ''. With " Auto Pay '' the merchant sends an electronic bill directly to Bank of America who then withdraws the amount from my checking account and pays the bill. 

In XXXX, Bank of America failed to pay my XXXX XXXX bill. XXXX XXXX alleges that it has nothing to do with them. Bank of America initially responded by telling me to inquire with XXXX XXXX. I sent a second request to Bank of America which included negative feedback regarding their initial response. Following this, they responded the second time stating that XXXX XXXX did not send an electronic bill in XXXX and therefore there was nothing for them to pay. ( The XXXX XXXX auto pay has been on for years as well as many other merchants and it typically works without any problems. ) In their response they stated that I have the right to request to see all documentation related to how they drew this conclusion. Upon requesting the documents, Bank of America responded by sending my a copy of my emails to them. ( This is the second time they have responded this way. ) They should be sending copies of all internal emails that the representative responding to my request sent to the Bill Pay group as well as any follow up telephone calls, emails and computer printouts that show that they did do an investigation. 

It appears that they are answering these types of issues with no or very little effort which is another clear indication that Bank of America does not concern themselves with quality customer service because they know, as we all do, that they are 'too big to fail '. This attitude needs to stop!! 

The case number of my initial inquiry to Bank of America is : XXXX Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing CFPB complaint because the bureaus have not properly provided a reasonable response when I sent them a dispute via certified mail the DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account numberXXXX Closed. I have asked them to validation, is account in collection, is it late or is it open or closed. Based on all the reports the account is not late and is closed. Why are they reporting otherwise. Additionally, my child is an adult and I am still helping him out. Please provide what right they have to collect under the fair credit and billing act? 

3 facts ( XXXX and XXXX report show different account name and balance ; Experian report show different account name, balance and closed ). Experian, XXXX and XXXX have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my Experian and XXXX credit report. Experian has a different account number and different account balance as shown here ( DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account numberXXXX Closed ) while XXXX reported something totally different as show here ( CHILD SUPPORT Account Number XXXX XXXX Reported Balance {$18000.00} ). For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX yrs of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the Experian and XXXX to correct their mistake. I have attached Experian and XXXX reports to show the discrepancies.
Product: Credit reporting or other personal consumer reports

I never gave XXXX, permissible purpose to report any inquires on my consumer report and I haven't applied for anything so this looks like fraudulent behavior and XXXX is not only breaking the law, but also ruining my reputation. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to investigate to remove these unauthorized inquires on XX/XX/2020 and again on XX/XX/2020.