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

On XX/XX/year>, my Venmo , Inc. acc ount was suspended for " unusual activity. '' In the email I was sent, I was given a link to upload my state ID to verify my identity and get my account unfrozen. I uploaded the doccumentation as requested, but my account was still frozen. I have contacted Venmo , Inc. support multiple times about this issue but I have been met with the same conclusion. The reason for my account suspension was a message I wrote whilst sending money to one of my friends. The message read and I quote, XXXX XXXX XXXX '' I did not realize this message could've flagged my account for sending money out of the country, it was a joke between friends, nothing more. I have tried multiple times to explain this to the Venmo , Inc. support team and have been willing to give any and all documentation to prove my identity.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX : Balance : {$2300.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My current and only address is XXXX XXXX XXXX XXXX, XXXX  XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. You are not authorized to report my XXXX XXXX  XXXX on my credit report or sell any information containing my XXXX XXXX XXXX to any company. Reporting my XXXX XXXX XXXX on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all XXXX XXXX XXXX that your company is reporting on my credit report. My date of birth is XX/XX/XXXX. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My phone number is XXXX. I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My only employer is XXXX XXXX XXXX, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX, XXXX XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion sent me a letter confirming that the XXXX XXXX inquiry was deemed fraudulent. I recently submitted a complaint to CFPB with details about how I reached out to these companies and Transunion concerning the inquires listed on my report. I asked each company to submit a statement to Transunion and I attempted to dispute with Transunion as well- XXXX XXXX, XXXX XXXX , XXXX, and XXXX XXXX  . XXXX XXXX is the only company to comply. I am asking for the other inquires to be removed per my rights stated in the letter attached sent on behalf of Transunion. I can not make the other companies comply but this is proof that I did follow protocol and disputed with each company as Transunion asked me to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked all three credir bureaus to verify all the information on my credit report. They said they did but after I have done comprehensive research on my credit reports, I found inaccuracies even after the credit bureau did their research. Here are the accounts with inaccurate information : XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX XXXX Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX In accordance with the fair credit reporting act, converging accounts # XXXX, # XXXX, # XXXX, XXXX, XXXX, XXXX, XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Money transfer, virtual currency, or money service

I was waiting on a XXXX payment to receive through capital one. Capital one sent me an email saying the transaction was flagged for no reason, so I wont receive the money or see it in my activity feed for up to two days when I need the money for rent and wouldnt of used their service since they claimed it was a direct deposit. I called capital one and they said theres nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE MY PERSONAL INFORMATION AS WELL WITH MY ADDRESS, I ATTACH MY DOCUEMNTS FOR YOUR PREFERRENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Account # XXXX, violated my rights. 
XXXX Account # XXXX, Violated my rights. 
DEPTEDXXXX  Account # XXXX, violated my rights. 
US DEPT ED Account # XXXX, violated my rights. 
XXXX Account # XXXX, violated my rights. 
XXXX XXXX XXXX Account # XXXX, violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) Account # XXXX, violated my rights. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, violated my rights. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, violated my rights. 
XXXX Account # XXXX, violated my rights. 
XXXX  Account # XXXX, 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. States, a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The fraudulent information listed below is showing on my cret mine. I am officially disputing the fraudulent information and requested an immediate investigation. please remove the fraudulent information immediately from my file. I have attached all documents required by law and also directed to me by your fraud department. I also listed these laws for your convenience. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$9600.00}, {$690.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account.
Product: Debt collection

XXXX ref : XXXX Company : Fair Collections and out Negative comment on my credit and I have no knowleged nor do I know or owe this comapany. But they call me almost every day and I would very much like this to stop and for them to stop ruining my credit. This is totally wrong. I will appreciate your help. Thanks
Product: Credit card

I am a business owner, and I received a very authentic looking credit card from " XXXX '' naming myself and my business. The card itself looks real, and the sheet it is attached to -- with sections like " Available Credit, '' " Activity Since Last Statement, '' " Here is your new XXXX Premium Platinum Card '' and small, again authentic-looking print promising " No activation or annual fees '' and " Enjoy 0.0 % or no payments for 90 days '' -- also looks credible. 

But when you look closer, you see some curious things like an enormous credit limit of $ XXXX and being valid only through XXXX ( just weeks after I received it ). Most insidiously, the card provides a number to " CALL NOW TO ACTIVATE. '' That number is XXXX. A website is also provided for activation : www.notablecapital.com. I did n't go there, but I do see it ranked third on XXXX after two links describing the whole operation as a scam. 

At best, this card will frighten many into thinking that their identities have been stolen. At worst, it is an attempt to defraud people.
Product: Credit card

i contacted the company in XX/XX/year> about downgrading the account to a lower annual fee. they refused to do so. I would like the card to be downgraded to the {$99.00} annual fee card. I am not able to afford the high annual fee right now. I have also asked for all authorized users to be removed via letter which has not been done.
Product: Vehicle loan or lease

I was financed through Wells Fargo on the purchase of a XXXX XXXX XXXX they repossessed my vehicle after it was paid for stating I had defaulted in my payments, they then resold the vehicle and is now trying to collect money from me on balance owed. I spoke with a representative multiple times in regards to them trying to make me pay more than my initial set price. They charged me for gap insurance, consistently added interest, refused to adjust my payments and I in total lost {$13000.00} and my vehicle and they are currently still trying to collect money from me, several times they claimed they never received my payment which I had to track through the postal money order services, they consistently charged me late fees when my payments were not late. I bought my vehicle in either XXXX or XXXX and it was repossessed in XXXX or XXXX. I paid an extra {$1000.00} for an extended warranty which never existed nor was I ever refunded any money at all. The car was purchased in both mine and my fiancees name because they, Wells Fargo required 2 incomes. I paid everything related to this vehicle purchase. I took possession of it on the day it was purchased, I made every payment and maintained maintenance and full coverage insurance with my private insurance carrier throughout the entirety of the payments. I have suffered a complete and total loss of over {$13000.00}. I've never been contacted by anyone from Wells Fargo in reference to compensation for my loss.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : Case Number : XXXX ( Dismissed on XX/XX/year> ) Case Number : XXXX ( Dismissed on XX/XX/year> ) These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report.

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within 24 hours, as this matter is critically affecting my ability to secure a home.

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report.

Thank you for your urgent attention to this matter. 

Sincerely, 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 XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 that the information is inaccurate.
Product: Vehicle loan or lease

I had a car loan through Regional Acceptance Corporation ( RAC ). At the car dealership, I was offered a third party to do ACH every other Friday. The third party was XXXX. I contacted XXXX and had them send me my payment history via email and they also send it to XXXX XXXX, representative at RAC that I was speaking to about this matter. According to my payment history and from XXXX, I had completed my payments on XX/XX/XXXX. I had messaged RAC to make sure that was my last payment, I never heard anything back. Now at the end of XXXX of XXXX, I get a call from RAC saying I am late on my payment. I questioned this asking why I was not told that in XXXX and showed RAC my payment history. Nobody at RAC could answer those questions for me. After this was sent, I never heard anything more from XXXX or anyone else from RAC. I called back and found out that RAC placed my loan in " recovery '', a separate area of RAC. I spoke with XXXX and asked about getting a proof of debt. She said she was going to mail proof of debt but never got it. This was on XX/XX/XXXX.
Product: Credit card

I got an email from Wells Fargo on XXXX at XXXX stating that there was a credit card open for {$2000.00}. I then got an email from my XXXX account stating that someone has checked my credit information and that I should check if any loans or credit cards have been open in my name. I did not click on any of the email information. Instead I went to a chase branch and spoke to a representative XXXX. They stated I needed to file a reports the with credit bureau. I also, called a chase representative to see if the email I received from chase was legit and they confirmed it was. They advised me to call Wells Fargo to confirm and close the account. I called Wells Fargo from a number on their website " Suspicious emails, text messages, or calls If you clicked a suspicious link or opened an attachment, call XXXX right away If you shared any personal account information, call XXXX right away If you did not respond, forward the suspicious email/text message to XXXX '' They asked me all the specific information including SS number, mother 's maiden name, etc. and stated an account was open. Then they said they closed it and transferred me to a fraud department to make a claim, the fraud department transferred me to an identity theft department where the individual stated that I spoke to an " impersonator '' in the previous calls. She stated there was no account open under my name. 

I then called Wells Fargo again, they stated there was an account open under my name and that we had to call the Fraud department on " Monday because they weren't open during the weekend '' and confirmed there was an account under my name.

Then I filed the report here and will file one right after this one with credit bureau.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I hope you are doing well as I write this. I'm writing to let you know about something that's on my credit report. I recently discovered late payments on my account after looking through my credit report. I think there might be a mistake in the reporting, and I'm asking for your help to fix it. 
I understand the importance of maintaining an accurate credit history, and I am committed to ensuring that my credit report reflects my financial behavior accurately. However, I am concerned that these late payments are negatively impacting my credit score and my ability to access favorable financial opportunities. 
XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the XXXX XXXX XXXX customer service representative. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or an XXXX XXXX customer service representative. 
I kindly request that you investigate this matter and, if possible, remove or rectify the late payments from my credit report. I have attached supporting documentation, such as payment receipts and bank statements, that demonstrate that the payments in question were made on time.
Product: Credit card or prepaid card

SELF LENDER INC CLOSED MY ACCOUNT FOR NO VALID LAWFUL REASON WITHOUT ANY NOTICE OR MY CONSENT - WHILE HOLDING ON TO MY DEPOSIT AFTER 1 YEAR OF USE - THEY HAVE BEEN NON RESPONSIVE TO MY EMAILS.