23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

So my Venmo account has been frozen since XX/XX/2022. I recently was locked out of my account due to me changing my phone number and phone. I couldn't access my account and then once I did through customer service my account was immediately frozen with no answers as to why besides saying it was flagged. Which is no problem but a week before that my card was used unauthorized and they drained my Venmo account of about {$1500.00}. So I filed a chargeback and the gave me provisional credit which I appreciated but that's the same exact time when I had to contact customer service to get into my account so once I got my funds as provisional credit and I was going to access it they froze my account and it has now been 10 business days and they have yet to respond or tell me why. So my XXXX that was already stolen from me is now being held/stolen again by Venmo and they do not care about anything or even care about fixing the issue.
Product: Student loan

I made student loan payments to a company for XXXX full months. I have tried to reach the company looking for their website. The website is no longer available. I need tax information to get my taxes done. The name of the loan company that had my student loans is Fedloan.
Product: Vehicle loan or lease

Good evening my name is XXXX XXXX XXXX I had finance a car threw Credit Acceptance LLC and I purchase the car from XXXX XXXX XXXX XXXX I put down a {$1500.00} down payment on XX/XX/year> and the remainder of {$800.00} on XX/XX/year> with a total of {$2300.00} PER USC 15 1662 ( b ) Truth And Lending act down payments are Illegal and I did not know that at the time I would like for this to be handle please and I would love my down payment back I have reach out to both agencies and they are having me run in circles. Thank you so much God Bless Consumer : XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX There have been numerous times, where this debt collection agency has called me attempting to collect a debt that I have disputed in XXXX of XXXX and they have failed to submit the requested documents showing that they are legally able to collect this alleged debt, as well as prove that this debt belonged to me. At this point, this is harassment and not to mention a violation to my rights as pursuant : 15 USC 1692 ( 5 ), " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number '' ( which results in 4 phone calls within 7 days, as listed ) 15 USC 1692b ( 2 ), " not state that such consumer owes any debt '' ( agent expressed I owed a debt with XXXX ) 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates '' ( I did not authorize or give permission for this agency to place any collection on my consumer report )
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  account appeared I never lived at that address and had no such services there please remove immediately
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX it appears that Midland credit collections sent me an email stating that they would threaten me with arbitration if I did not pay them which is a violation of the credit Act laws. I also have no contract with Midland collections and am not liable.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Portfolio Recovery Associates calls 3-4 times a day almost every day using a different number to get around the 7 maximum per week. Yesterday the number was ( XXXX ) XXXX and the day before was ( XXXX ) XXXX and the day before that was ( XXXX ) XXXX and a day before that was ( XXXX ) XXXX and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED 2 ADDRESS AND CORRECT LEGAL NAME DISPUTES TO EXPERIAN IN XX/XX/XXXX AND XX/XX/XXXX, EXPERIAN STILL FAILED TO CORRECT INACCURATE PERSONAL INFORMATION ON MY CREDIT REPORT, THEY ARE REPORTING ADDRESSES WHERE I CAN NOT BE REACHED ANY LONGER, PUTTING ME AT A BIG RISK FOR IDENTITY THEFT AND POSSIBLE FRAUD. 
EXPERIAN ALSO IS USING MULTIPLE WRONG SPELLINGS OF MY LEGAL NAME THAT COULD ALSO LEAD TO FRAUD AND IDENTITY THEFT. 

EXPERIAN HAS NOT CHANGED ANYTHING IN MY PERSONAL INFORMATION SECTION, EVEN THOUGH THIS WAS DISPUTED TWICE IN WRITING WITH COPIES OF MY IDENTIFICATION AND BANK STATEMENTS. 

EXPERIAN CONTINUES TO VIOLATE MY RIGHTS THAT PUTS ME IN DANGER OF IDENTITY THEFT AND FRAUD.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Years ago I attended truck driving school in another state then where I live now. The company and I had several conflicts regarding federal laws after I completed the school. In XXXX I left the company as I felt they were putting the general public and myselfs safety in danger. At this time I felt our prior contract was null and void as the actions they took during my employment was a breach of contract. Later they sent that loan to a collection agency who is threatening legal action after the stattuet of limitations has expired in the state where the transaction took place, and where I lived at the time.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

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

I am disputing public record which displays a bankruptcy. I disputed the bankruptcy with Equifax and received a response that the bankruptcy stays as reported. Equifax stated the information was provided by XXXX. I contacted XXXX and disputed the bankruptcy and XXXX removed bankruptcy from their file.
Product: Debt collection

I received a phone call from someone claiming to be from Advanced Capital Solutions claiming I owe a debt. They sent me an email stating how much I allegedly owe, but the information that was in the email did not advise me of my right to dispute the debt. Furthermore, the address and phone number provided does not match what is on the company 's website. When I googled the address a strip mall with a pizza place came up. Additionally, the phone number can not be found with XXXX. 

The phone number provided in the email is XXXX, but this is not the number they called from.
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER BANK XXXX XXXX XXXX XXXX. 
XXXX PA XXXX date opened XXXX XXXX this paid in full and sold to another company. 

SANTANDER BANK HAS COMMITTED Securities Fraud and mortgage fraud and identity fraud. SANTANDER BANK taking Securities out on my name without my content which is identity thief, Securities fraud and mortgage fraud.
Product: Credit reporting or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash Ap

p ( 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 dispute resolution process was unfair and deceptive, as they did not comply with 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 redre
ss for these violations.
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. 

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 XX/XX/XXXX These reported inquiries are unauthorized and 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 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'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XX/XX/XXXX, Equifax, XX/XX/XXXX, and XX/XX/XXXXwith no successful resolution.XX/XX/XXXXEquifax, and XX/XX/XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a challenge for validation of an identity theft account that Transunion has not properly verified. They have violated the FCRA laws by not removing or blocking the account under the 605B within 4 days and every other credit bureau has been in compliance.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handing of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions isn't feasible. The CFBPs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer saftey.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  and XXXX reported business loans on my account for years. On XX/XX/year> told me to dispute it. I did and it was removed, but this issue caused me harm on my personal credit because I was turned down for loans and had to pay higher interest rates even though my score was XXXX plus.
Product: Checking or savings account

I've been trying to get my money back from Citi bank for about two weeks now. The first time I called they told me they could not help me since I no longer bank with them to go into a branch. I went to the branch to then be told I don't have a bank account and the refund would bounce. I waited a couple days called again and was told once again they could not help even though I had ARN numbers. I asked for a manger then was transfered to the XXXX line even though that is not what I asked for. I called again after that and was told once again they could not help me. I contacted the merchant and they said the refund was issued to original payment and they can't do anything about it. I have spoken to too many people with CITI bank and still no help. The ARN numbers : {$80.00} XXXX {$80.00} XXXX {$73.00} XXXX
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 XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or 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 that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX Date of Birth : : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX - Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX, XXXX  XXXX Correct Information to Be Reported : - Full Name : XXXX XXXX - Correct Date of Birth : XX/XX/XXXX - **Correct Social Security Number** : XXXX - **Correct Address** : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of XXXX XXXX. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within XXXX  days, as required by law. 

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

Sincerely, XXXX XXXX
Product: Bank account or service

Purchased online dating service XXXX XXXX XXXX was overcharged for the database and did not have the database I was looking for was charged {$8500.00} and they would not send an email to the XXXX to ask someone to join the club that I was interested in.
Product: Student loan

NAVIENT, a servicer for Federal Student Loans, is currently demanding payments, including interest and fees, prior to the XX/XX/2022 expiration of the XXXX emergency relief for federal student loans.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a PenFed credit card and was denied despite having very good credit, using less than 15 % of my available credit and my monthly debts are only 18 % of my monthly salary. These are XXXX of the most important credit history factors and I score excellent in all three categories. I filed a complaint which is attached and XXXX XXXX ( V.President of consumer lending operations ) expressed his regret and claimed my denial was not in anyway discriminatory but due to my short credit history. Well, I decided to apply again on XX/XX/XXXX, this time my credit score is higher XXXX - XXXX which is bordering EXCELLENT. I ave XXXX years credit history have applied for cards from XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and others approved each time, but I have closed all those accounts and only kept XXXX, XXXX and XXXX cards. I am using only 11 % of my available credit, XXXX negative marks, My monthly payments are less than 20 % of my monthly salary, but I am XXXX and live in a XXXX neighborhood. Although the neighborhood I live in is XXXX of the wealthiest in XXXX, it's still XXXX. Guess what Penfed again denied me. They are the only banks to ever deny me credit and now twice. I am convinced it is due to discrimination. I have white friends with just above 12 months credit history and credit score under XXXX who have been approved in the last 6 months. So how do they get approved with less credit history, lower credit score and I can not. MUST BE DISCRIMINATION. I would love for PenFed to provide the file they have on me from data they collect.
Product: Checking or savings account

On XX/XX/XXXX, I purchased a shoe ( XXXX XXXX ) from XXXX XXXX  the amount totals to XXXX. I received the shoe on XX/XX/XXXX and it was a XXXX XXXX XXXX  refused my refund, claiming that it was impossible that I had purchased the shoe from them. I then proceeded to file a claim with Chase bank on XX/XX/XXXX. Initially, my claim was denied because my bank requested additional information. I sent them pictures of the fake shoe, As well as a certificate proving that its unauthentic as per Chases requests. My claim was reasserted on XX/XX/XXXX and denied on XX/XX/XXXX. My bank account has been negative for 60 days due to this claim and is expected to close on today. I worked really hard for my money. XXXX refuses to help me and my bank. Also, please if theres anything that you can do to help I would really appreciate it.
Product: Credit reporting

The information about a collection bill is not mine there is only XXXX and it dropped my credit drastically I have never received any info about this collection bill and about 3 days ago it showed up on my report
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 XXXX credit XXXX XXXX XXXX XXXX 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 : Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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 XXXX.