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

I sold and received payment for a Set of Tables on XX/XX/XXXX for {$270.00} & received payment for them via Venmo. On XX/XX/XXXX the Lady that purchased them filed a Fraudulent Dispute with her Bank and Venmo placed a Hold/Freeze on my Venmo Account. I immediately disputed the Fraudulent Claim with Venmo that was Filed by the Lady that paid & picked up the Tables on XX/XX/XXXX and also sent all Messages to Venmo showing proof that SHE, herself did in FACT send the payment for {$270.00} to purchase the Table 's & she was the one that initially asked if she could send payment for them via Venmo. I even reached out to the Lady that Filed this Fraudulent Dispute Claim and asked her why she Filed this Fraudulent Dispute Claim and also sent her our Conversation of our Messages validating that she did in FACT send the Money of {$270.00} for the Tables and asked her what there was to dispute about it? She said she that she made a " mistake '' and that she would reach out to her Bank and Cancel the Dispute Claim that she Filed and she was Sorry. Since then, the Lady that paid {$270.00} for the Tables and reached out to her Bank to Cancel the Filed Dispute Claim that she made in " error '', as of XX/XX/XXXX she sent me a Letter from her Bank that she Filed this Dispute with showing and stating that she was NO LONGER Disputing this Charge for {$270.00}. I immediately Emailed this to Venmo & continuously get the same automated response. Can't speak with anybody at Venmo, can't get the Fraudulent Freeze lifted off of my Venmo Account & receive my RIGHTFULLY OWED MONEY placed back into my Account. Is this a joke? How is this Legal? I HAVE PROVIDED ALL DOCUMENTATION SHOWING PROOF SHE INTENTIONALLY SENT THE PYMT OF {$270.00} FOR THE TABLE 'S, THE LADY ADMITTED THAT SHE KNOWINGLY DID SEND THE {$270.00} FOR THE TABLE 'S IN THE PROOF THAT I SENT TO VENMO, AND NOW WE ARE ALMOST XXXX MO 'S INTO THIS AND THIS LADY HAS THE TABLES & POTENTIALLY A {$270.00} REFUND??? AND MY MONEY IS BEING STOLEN FROM ME? WITH NO RETURN OF THE TABLE 'S AT THIS POINT. 

PLEASE HELP REFUND MY RIGHTFULLY & LEGALLY OWED MONEY BACK TO ME IN MY VENMO ACCOUNT.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX with the account number XXXX. XXXX XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I have sent out multiple correspondence to the credit bureaus asking the credit reporting agencies to verify these accounts but they have not provided proof of verification. I have been sending in request for verification for these accounts since XX/XX/2023. I am hoping the CFPB can assist me with these issues on the following accounts. 

The accounts that are on my report that I am requesting formal proof of verification is XXXX XXXX NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was XXXX XXXX XXXX XXXX XXXX XXXX. Ever since then, different student loans, credit cards, and car loans have been showing up on my credit. I have never attended any school nor applied for any loans, nor has my son. I have called and tried to get this information off my credit but all I get is the account is mine and I DON'T UNDERSTAND HOW.
Product: Credit card or prepaid card

XXXX  ID : XXXX State : VA Capital One representatives continue to lie and provide misleading information and refuse to escalate the call to the executive relations so that they may assist me with my consents. 
Yesterday they were able to comply with my request but today they reason regulations and laws of the company and they continue to refuse to have the appropriate department to speak to. 
XXXX ID : XXXX ( VA )
Product: Credit reporting, credit repair services, or other personal consumer reports

Although a complaint has been issued previously, I have NOT received method of verification documents as requested from Equifax. They are reporting that I have late payments on the following account : XXXX XXXX which is inaccurate and they have not provided how they verified this information to be true. 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. 


Late payments in question : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Mortgage

To Whom It May Concern! 

An alarming issue should be brought to your attention at once. Ocwen was ordered to provide XXXX in relief to homeowners upon investigation by the Consumer Financial Protection Bureau for a host of complaints, including robo-signing affidavits and other documents. 
Attached is an affidavit sent from Ocwen to me the " borrower '' that Ocwen robo-signed ( page XXXX ) my birthdate, incorrectly of course, ( it is Ocwen ) followed by Ocwen representatives informing me by phone on multiple occasions that it was instead " I '' who submitted a affidavit with the incorrect birthdate!? Thereby once again, as they have done since XX/XX/XXXX, deny me the opportunity to secure a home modification at market value and remove the debt, interest and penalty associated with this loan. Once again, this affidavit is robosigned ( page XXXX in which my social security number and XXXX incorrect birthdate ( s ) are robosigned! ) This document was sent from Ocwen to me on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update and verify the following account, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never had an account with the bank to incurred debt with the creditor reporting. If this account can not be verified which I'm sure since I have never sign or agree to the transaction. 
Please delete the account. 
XXXX XXXX XXXX account # XXXX.
Product: Credit reporting or other personal consumer reports

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXX XXXX XXXX XXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 
Dispute Reason : I am disputing the inaccurate late payments on my credit report. Under 15 USC 1681, Section 6, I have the right to privacy, and according to 15 USC 1681b ( a ) ( 2 ), my account information can not be furnished without my written instructions. Additionally, 15 USC 1666b states that a creditor may not improperly treat a payment on a credit card account under an open-end consumer credit plan. These rights have been violated, and I request the removal of the inaccurate late payments from my credit report. 

Name of Alleged Creditor : XXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 
Dispute Reason : I am disputing the inaccurate late payments on my credit report. Under 15 USC 1681, Section 6, I have the right to privacy, and according to 15 USC 1681b ( a ) ( 2 ), my account information can not be furnished without my written instructions. Additionally, 15 USC 1666b states that a creditor may not improperly treat a payment on a credit card account under an open-end consumer credit plan. These rights have been violated, and I request the removal of the inaccurate late payments from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I trusted a servicing company XXXX XXXX to handle my debts and was over charged and taken advantage of by hundreds of dollars and now I'm been sued by a attny collection company in XXXX XXXX NY for a credit card that was only XXXX limit. My check is being garnished. I Pay lighthouse XXXX a month to fix XXXX and now the refuse to breach contract nor put a XXXX on the line to negotiate pmt. Please help me I'm taking adjust therapy for XXXX also medication for XXXX  there taking my money a d refuse to end contract. Cc are charged off from last year and I was in good standing before lighthouse there number XXXX XXXX XXXX they took XXXX last yr in XXXX and XXXX monthly in add to XXXX. Biwk ly then XXXX biwkly. Attny that garnished my check XXXX XXXX XXXX has proof there was no arrangement set to make pmts
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint in reference to XXXX XXXX XXXX XXXX XXXX XXXX. They are reporting my auto loan account as open. This loan was paid off by the insurance company on XX/XX/XXXX. How can they report an open account with no monthly payment amount listed? Also the open and term dates are reporting inaccurate. They have it listed on XXXX : High balance {$15000.00}, Current balance : {$14000.00}, payments made : {$1400.00}. Report date XX/XX/XXXX, Open date XX/XX/XXXX. Late payments {$0.00}, their reporting as over 120 past due. So within a two year timeframe, their saying I only paid {$1400.00} towards my balance. This is an auto loan not an revolving line of credit. Each credit report is reporting something different. I will attach a screenshot of the reports to support my claim. I would like this company to be removed of all three of my credit reporting agencies. Then see attached documents I have lawyer office saying I owe them for the same auto loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report, which I pulled on XX/XX/year>. Specifically, XXXX XXXX XXXX  XXXX account is incorrectly reported as closed, with inaccurate multiple payment history dates. Despite this, you have continued to verify and report the information as accurate, without providing any supporting documentation to substantiate its accuracy. 

This failure to correct the error is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i, which requires credit bureaus to investigate and verify disputed information within XXXX  days. As such, I request that you promptly investigate this matter and remove or correct the inaccurate information from my credit report. 

If the inaccurate information is not corrected within the required XXXX timeframe, I will be forced to pursue legal action under 15 USC 1692g .
Product: Money transfer, virtual currency, or money service

I am here to file a complaint against Cash App ( 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 fraudulent activities on its platform, leaving my account vulnerable and unprotected with funds in it. Furthermore, their dispute resolution process was unfair and cruel, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused a significant inconvenience and financial losses in which Im seeking appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TransUnion Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : 1. Account opened at DEPT OF EDUCATION on XX/XX/year> 2. Credit inquiries XXXX  XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

DEBT BUYER HAS PLACED A DEBT ON MY CREDIT REPORTS THAT I DO NOT OWE.
Product: Mortgage

I believe that my Lender has wrongfully foreclosed on my property. My loan was audited, and it was determined that it fell under the predatory loan. Although we hired an Attorney to fight the foreclosure, in the end the Lender was able to get a foreclosure Judgement. I believe that the Lender did not have the original note. Additionally, we made several request for a loan modification, and was told that we did not qualify for Hamp because our loan was a private investor loan. ( investor being XXXX XXXX ) The Lender forced placed insurance which is 5 times more that what we were paying on the original loan. which makes it very hard to afford any type of payment. I am hoping that something can be done to help us keep our home. We have gross income of {$8600.00}, per month, our home is worth approx. XXXX, our loan amount is currently at {$560000.00}. Please help, we have a sale date of XXXX XXXX 2015. We have exhausted every avenue and do n't know where to turn to. We would consider any offer from the lender to remedy the situation rather than foreclose. Please HELP.
Product: Debt collection

In lateXX/XX/XXXXwe received a call from a collection agency regarding a debt with XXXX XXXX. I agreed to pay what I was certain was owed, but XXXX was alleging that we had equipment that had not been returned and that we owed for a month of service that we did not use and had asked them to disconnect our service. I submitted a written dispute to said collection agency outlining my issues with the alleged debt. The collection agency sent a letter within 30 days saying they had investigated the issue and were closing their file. I did not retain that letter, as I assumed this was the last I 'd hear of it. 
Today ( XX/XX/XXXX ), another collection agency ( Collection Bureau of the Hudson Valley ) contacted my husband regarding this same debt with  XXXX. My husband 's name and phone number were NEVER on the account with XXXX. They discussed the account with my husband and again, they alleged to him that we owed a balance and still had equipment that was the property of XXXX. I then contacted Collection Bureau of the Hudson Valley and relayed my previous interaction with the first collection agency. They suggested I contact XXXX directly to have them close my account, as they could n't contact XXXX to discuss my account. I contacted XXXX and requested they close my account, and they confirmed that we did not have any of their equipment, and still attempted to collect funds even after I told them I had already disputed the debt. They claimed they had no information on a dispute from the first collection agency, to which I suggested they contact their contracted agency to obtain that information. 
I believe continuing to attempt to collect this debt after a valid, investigated dispute is in violation of the Fair Debt Collection Practices Act. I also believe contacting my husband - who was NOT listed on the account with XXXX - and discussing the alleged debt with him is also in violation of the Fair Debt Collection Practices Act. I 'd like this type of harassment and violations to STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

1. NO CONTRACT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. NO CONTRACT APP OF TENNESSEE ED XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5.  NO CONTRACT APP OF TENNESSEE ED XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. NO CONTRACT APP OF TENNESSEE ED XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 8. NO CONTRACT APP OF TENNESSEE ED XXXX Account Number : XXXX Please investigate and delete from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please investigate and delete from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please investigate and delete from my credit report. 


These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card

I have an XXXX XXXX Mastercard through Barclay 's bank which is supposed to give me XXXX free piece of checked baggage on a XXXX or XXXX XXXX flight. I was charged for baggage both legs of my rountrip flight. I called Barclay 's bank and was told i should call the airline. Since Barclay 's is the card company, and they sold me the card with the promise that i get XXXX checked bag for free, i feel like it is the card company that should reverse the XXXX {$25.00} charges. They say the fine print requires that i make the reservation using the card, but the brochure that came with the card simply says i get a checked bag for free in very clear print. I have attached this document. Note that it does not qualify the promise of XXXX free checked bag with any mention of other requirements, whereas the paragraph regarding getting a discount on in-plane food specifies that the credit card must be used. 
I also got cut off from the call with Barclay 's after a long wait. The second time, I spoke to a manager, who also told me to call the airlines. Since Barclay 's made the promises, I feel like Barclay 's should refund my {$50.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts being disputed is unknown and unauthorized by me. I'm asking for these following accounts to be removed from my credit file. 

1 ) XXXX XXXX  {$1600.00} 2 ) XXXX XXXX {$170.00} 3 ) XXXX XXXX {$240.00} 4 ) XXXX XXXX XXXX  {$110.00} 5 ) XXXX XXXX XXXX {$860.00} 6 ) XXXX {$47.00} 7 ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Continue to send letters via certified to company. Company failed to comply with FCRA guidelines. Requested written verification, ( Proof of signature )
Product: Credit reporting or other personal consumer reports

This is the second time I have asked XXXX XXXX  XXXX to provide me with documentation were they sent me my statement or a bill to my correct address, also provide me with a notice 21 days before the due date before they can consider a payment later, I never received any of this. By XXXX XXXX XXXX is required to provide me with a notice before providing anything on my report that would negatively impact me as a consumer. The law clearly states that " if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT. law states ''report containing information solely as to transactions or experiences between the consumer and the person making the report '' Also make sure late fees are accessed properly.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Fraudulent account information with XXXX XXXX XXXX, XXXX is being furnished to the credit reporting agencies Trans Union, XXXX, and XXXX. I am seeking remedy for the information to be blocked and permanently deleted from my credit report and file within 4 business days as required under the FCRA. I have already completed and filed an identity theft report with the Federal Trade Commission. Please see attached.