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

***Re-submitting my complaint with additional information*** I have applied for an account. The system notified me after providing the requested verification of address that it was not received. I then called to find out why. The first agent advised that the automated system rejected my bank statement. When I asked why, she advised she did not know. She then transferred me to XXXX, a supervisor. I asked him the same question as I did the agent and he said because thats what security is saying. When presweed he continued to say because thats what security said. I advise XXXX that it is my right to know why this is being rejected as my identity has been stolen twice now and if there is an issue I need to know. he then continued with, because thats what security says and we dont have to disclose this to you. Then when I asked why i wasnot allowed to lnow he proceeded to tell me because of security. I then asked him if my bank statement was rejected by the automated system or by a real person and he proceeded to tell me he didn have to tell me this. I also asked XXXX if I submitted another document off the listed since it was for address verification and I redacted other personal information, he advised me that it would also be rejected but refused to tell me why since this is only for address verification and not identity verifcation. 

XXXX also refused to provide me with his ID number so a complaint could be made as well. 

My account has been opened since the end of XXXX, which is the same time that XXXX XXXX received my complaint. I responded back stating the only reason that my account was all of a sudden opened and approved was because of my compliant. I received an email this morning, XX/XX/2018 advising my application was denied even though my account has been opened about a month.
Product: Payday loan, title loan, personal loan, or advance loan

I pay {$130.00} every two weeks.Total Payment Amount {$130.00} Principal {$17.00} Interest {$110.00} Fees {$10.00} According to the contract they charge Annual percentage rate : 490 % Please verify if that is against the law accordingly to California in interest rates on loans.
Product: Credit reporting or other personal consumer reports

I'm Submitting this complaint to report a fraudulent account that have appeared on my consumer XXXX credit report, which I do not recognized and believe to be the result of identity theft and fraud. The fraudulent accounts are as follows : XXXX. XXXX Open Date XXXX Account number XXXX. I'm requesting the immediate removal of this fraudulent item from my consumer credit reports and that all associated collections activities be halted, in accordance with my rights under the Fair Credit Reporting Act. ( FCRA ) and Fair Deft Collections Practices Act ( FDCPA )
Product: Credit reporting, credit repair services, or other personal consumer reports

Cfpb In accordance with the fair credit reportingn act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  Date Opened : XXXX XXXX, XXXX Account Number N/A Has violated my rights XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number N/A Has violated my rights XXXX Original Creditor XXXX XXXX Date Opened : XX/XX/XXXX Account N/A Has violated my rights XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX Date Opened : XX/XX/XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that 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 the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding Permanent Ban of Venmo Account Dear Consumer Financial Protection Bureau, I am filing this complaint regarding the permanent ban of my Venmo account, which I believe was done unfairly or without adequate explanation. My account, associated XXXX, was banned on XX/XX/year>. I have attempted to resolve the issue with Venmo directly, but I have not received a satisfactory response. 

The key issues are as follows : XXXX. Lack of Transparency : Venmo has not provided a clear explanation for the account ban or the specific policy I allegedly violated. 
XXXX. Access to Funds : My account contains funds that I can no longer access, causing significant financial hardship. 
XXXX. Inadequate Resolution : Despite contacting Venmo support, I have not been given any meaningful steps to address the situation or recover my funds. 

I believe this action may have been taken in error, and I am requesting the CFPBs assistance to : XXXX Venmo provides a detailed explanation for the ban. 
Facilitate the release of any funds remaining in my account. 
Confirm that Venmos actions comply with applicable consumer protection laws. 


Attempts to Resolve : Venmo will not provide me a way to unlock my account to use their services. 

Thank you for your attention to this matter. I am confident the CFPB will help ensure a fair and transparent resolution. 

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

Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXX Violated my rights as a protected consumer. They have done this by providing inaccurate information to the credit reporting agencies. In the past I have disputed this with the bureaus and they again have deliberately reported inaccurate information. The High balance, Date of last activity, date reported, date opened last payment all vary between the three Bureaus : XXXX, Equifax, and XXXX. They are also reporting that this account is closed. Being that the account is closed, per law, there shouldn't be a past due amount as past due amounts are only applicable to open accounts.
Product: Credit reporting

collection agency. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about. 

Thanks
Product: Credit reporting or other personal consumer reports

I am a victim of ID theft and LVNV will not remove this inaccurate information
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMERICAN EXPRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX Balance Owed : {$9800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this twice with TransUnion in the past year..

TransUnion continuously report ( s ) names I have NEVER used..

TransUnion continuously allows finacial companies ( banks, credit-card etc ) to access my information although I have NOT authorized..

The FTC spells out financial companies must have authorization for credit inquiries..

I have filed a fraud report with the FTC ( identitytheft.gov ) ..

I have placed a fraud alert on my account..
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed an account reported by XXXX XXXX XXXX XXXX XXXX in the sum of {$3500.00} in the file Equifax maintained under my social security number. 

I was informed by Equifax on XXXX XXXX that the item WAS deleted from my Equifax credit report. 

Now I have discovered XX/XX/XXXX that the item has been reinserted on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Equifax dropped my credit score XXXX points because I paid my XXXX bill down by {$40.00}. 

Why would my credit score drop if made payment on my account? 

Please explain to me and Consumer Protection Financial Bureau how you dropped my credit score by XXXX points for making a payment on time?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a validation letter to   XXXX   XXXX   XXXX   and   XXXX   XXXX   and neither company has responded within 30 days. The letter that I sent to both agencies goes as follows : To whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. (  15 USC 1692g Sec. 809 ( b ) ) I do hereby request  that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.     Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.     Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.     I did not receive anything from neither collection agency.   XXXX   keeps stating : " Account information disputed by consumer, meets FCRA requirements ''. This statement is untrue and these  XXXX  accounts need to removed immediately for they was never validated so clearly they are not verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account DATE : [ XX/XX/XXXX ] Reason : [ NOT CORRECT ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. 

Thank you for your time and help in this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Payments were made timely, XXXX late payment was shown that does not reflect my credit history. In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated. Under 15 U.S.C. 1681, Section 602, I have the right to privacy regarding my credit information. Under 15 U.S.C. 1681, Section 604A, Subsection 2, a consumer reporting agency can not furnish an account without my explicit written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I am requesting the immediate correction or removal of the erroneous late payment from my credit report.
Product: Credit card or prepaid card

I was in XXXX on XX/XX/2017 and had dinner. Later on I noticed that my credit card had been charged twice for two separate transactions at a restaurant I had dined at. One for {$59.00} ( XXXX  euros ) and another for {$590.00} ( XXXX  euros ). I assumed it was an accidental charge and I called my credit card company - bank of america on XX/XX/2017 to dispute the charge. They agreed with me saying it looked like a mistake and provisionally credited me back the {$590.00}. They told me the restaurant would have 60 days to dispute my claim. I thought that was the end of it but come XXXX I received a letter from the bank that said the restaurant had provided them a copy of a signed receipt for {$590.00} so they sided with the restaurant and charged me {$590.00}. I called and tried to dispute that again since I did not see that receipt or sign it. The only receipt I had signed the for was {$59.00} and I asked them to compare the signatures but they told me that they do not/ can not do that. I even mentioned that this same thing happened to another person at that restaurant, which i learned about after I decided to post my review. I was told that they could not use that as proof to show that is what had happened to me. Essentially since I was there and I gave them my card it could not be counted as fraud, even though I told them I never ordered 20 fixed price meals ( I was with only with one other person ) or signed a receipt for that. After a few more calls I stopped trying because they told me that they could not do anything to help me. I have a copy of the receipts which the bank sent to me as proof and the signatures are clearly different. I'm reporting this a year later because someone just contacted me on XXXX saying the same thing has happened to them at that restaurant.
Product: Credit reporting, credit repair services, 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. 

XXXX ) Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX ) Account # : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX  XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX  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

XXXX XXXX, XXXX XXXX Experian XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. 
Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX SOC SEC # *********** DOB XX/XX/XXXX XXXX, XXXX XXXX XXXX acc # XXXX PLEASE REMOVED THIS ADRESS XXXX, XXXX XXXX XXXX - REPORTED XX/XX/XXXX THIS IS NOT MY ADRESS FRAUD The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, 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,, 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 instructions15 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, credit repair services, 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. 

XXXX XXXX : XXXX, DPT ED/XXXX : XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX 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  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

US Bank inquiry on XX/XX/14. Unauthorized inquiry/fraudulent.
Product: Mortgage

On XX/XX/2021 I asked for amerihome mortgage to please stop calling me and to place my number on the dnc list. On XX/XX/XXXX they called my number again after I requested a dnc so the prior individual did not record the dnc which is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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 XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX  : {$12000.00} ; XXXX XXXX XXXX  : {$290.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX : {$700.00} ; XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.