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

On XX/XX/XXXX I opened a bank account with Venmo. I completed their verification in order for my account to be opened and thought everything was okay. Since then I havent used the account until Saturday XX/XX/XXXX. I needed to get a title loan to help pay my bills so I used my Venmo account to receive my funds. I went to get a money order for my rent only for my card to decline twice. So I called the number on the back of the card and talked to a representative and she informed me my account was frozen on XX/XX/XXXX due to violation of terms. But I was confused because I have never used their services until recently. So she sent me an email so I can send in my identification information ie social security card, drivers license and marriage certificate for the name change and they sent me and email around XXXX XXXX  the next morning stating Our records show that you had funds in Venmo that were previously under review in our system, and those funds are now available to be transferred from Venmo to your bank account. 
Please note that you will only be able to transfer the funds in your Venmo account to a bank account using our standard transfer option. Due to restrictions on your account, you will NOT be able to use our instant transfer option. 
So thats exactly what I tried to do. I connected my bank account and it still wouldnt work. I tried another account and it did the same thing so I called to talk to a representative and she was no help so I asked for a supervisor when I called again. He said that everything was sent to the escalations team and I will hear back by XX/XX/XXXX. But I dont have that long I will be late on rent and my car insurance will be canceled if I dont have the money to pay. I cant afford for this to happen. They wont even tell me what I violated. Im so confused because I have already proved it was me and yet they are still not releasing my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written out and sent several letters to remove these fraudulent inquiries which is hurting my family please remove now XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX. 
Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XX/XX/XXXX Merchant XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Please remove
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 I purchased a {$1700.00} laptop from Best Buy with computer, XXXX security plan and XXXX XXXX totaling {$2000.00}. I had the laptop for 5 days to a week and the laptop went completely black and wouldn't turn back on. I took it to the XXXX center in Best Buy and they kept it for a week to get it fixed. When I got it back in my possession within 3-5 days I was having the same problem that they were supposed to have fixed. I took the computer back requesting my money back. They said, I was past the 15 day return period. They had the laptop in their possession 90 % of this period. They said, that isn't possible however they would credit me {$2000.00} for the laptop, computer bag, XXXX security plan and XXXX XXXX. I agreed to credit. I asked them if I was free of any charges and they said yes. 
I made total of 6 payments. My last payment was XX/XX/2016. I called Best Buy on several occasions and they kept giving me runaround. After several calls to the company I finally got someone to resolve the issue and that's when I found out the associate never credited my account. Instead he gave me a gift card in the amount of {$2000.00}. I told them I wasn't paying another dime for something I don't own. I had no product in my possession. I used the gift card one time with a purchase of {$690.00}. And after that I missed place the gift card due to moving. When I contacted the company about replacing it they denied me. I received a letter from a 3rd party collection agency requesting me to pay the company. I requested for a payoff just to get it off of my credit report. They recommended that I contact the company. I did and couldn't get a live person to speak with. So, here I am. Best Buy agreed to a pay off in the amount of {$1600.00} something to settle it. And now it states on my XXXX  credit report as a Charge off. {$2700.00} written off. This is a false statement. I have a letter from the 3rd party agency showing Best Buy agreeing to the settlement.
Product: Debt collection

In XXXX & XXXX, I received notification from a collection agency ( Afni ) stating that I owe cable company XXXX {$1400.00}. The account opened with the social security number was fraud and identity theft. I submitted the Affidavit to Afni, and Afni has received and closed the fraud account. I recently tried to have XXXX install cable in my home. XXXX still show a due balance of {$1400.00} related to the fraud account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXXXXXX {$3100.00} XXXX   XXXX {$450.00} XXXX XXXX {$3800.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Debt collection

Portafolio Recovery Associates LLC, try to collect a Debt that I do not owned, and i dit send XXXX certificates letters requesting a validation signed contract document or cap signature by instrument use on the date of credit approval by bank, XXXX XXXX XXXX , they fail to respond, I give them 30 days to responded with the request document, or otherwise they should remove it from the reports of the credits bureaus, and they didn't, that is a violation at FCRA,
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from AGN Auto gallery in XXXX of XXXX and I put XXXX down on the car but didn't get my car til the next day around XXXX. So whenever I got my car the dealer kept repeating if my paper tag gets took of my car to report it stolen. So a few days went by and my tag was missing which was weird because the dealer kept pressing that issue before I took my car off the lot. So two weeks later I paid another XXXX to the dealer so I'm thinking I'm all good with my car and handling payments on time. When it was time to pay my car payment The dealer XXXX XXXX would pop up out of nowhere trying to repossess my car. Just so happen the times he would try to repossess my car I would be in my car. So I hear my car unlock then I see the owner walking up to my car. I asked him what are you doing because I startled him he was like " Your late on your payment '' I was like how because he came to my kids XXXX XXXX early that morning looking for his payment so I gave him half of the payment and he took it. So now everywhere I've went he would pop up harassing me and following me try to take my car when he already took half of my payment. Then I realized that the owner been following me everywhere I went and watching me so he can make his move and take my car so I've slept in my car to make sure he repossess my car. He would wait til my car is parked then try to hurry up and repossess my car. So when I made my first car payment he took my money and made it seem like everything was ok. So Im ar home with my kids and wake up the next morning with my car gone. I was so angry because I've made my payment and he still took my car. I lost my job me and my kids was walking in the heat I went to the dealership and did not see my car now XXXX XXXX XXXX  I asked him why did he take my car he says that I never had full coverage and that I was using too many miles. I asked where was my car and he did not want to tell me. I told XXXX XXXX that I need to get my belongings and he told me no. So I went to the dealership multiple times trying to retrieve my belongings and they had all my stuff packed outside and my car was still not around. Then on top of that he took all my car paperwork that we both signed out my car to make it look like I've never purchased the vehicle. I never had that car a good month and he took my down payment and my car payment and repossessed my car I've spent every dime I've had on that car and lost everything within that month including my job. XXXX XXXX told me the only way I was going to get my car back is if I pay him XXXX Which I definitely didn't have. So I want to try and sue AGN Auto Gallery again for my pain and suffering. I was in the process of sueing them but my case was dismissed because I was late to court because address on my court papers was the wrong address still til this day this car situation still gets to me because XXXX XXXX has gotten away with scamming too many people and I refuse to let XXXX XXXX rip me off and get away with it even though it's been 6 years ago I've suffered a lot dealing with him and lost everything I had my car and my money all in one month!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I am filing this complaint due to numerous things I found own my credit report that were passed the statute of limitations that negative accounts are allowed to stay on credit report, and accounts within accurate information being reported on my credit report that is harming my scores are just not accurate. 

I am requesting these accounts and hard inquiries be removed immediately. I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy. 
15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account without my written consent. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX Date XXXX : XX/XX/XXXX. These accounts are passed the statute of limitations which is 7 years a negative account can stay on your credit report based off Fair Credit Act. All of these accounts listed above are well passed the statute of limitation dates. Therefore, these accounts should have already been removed from all three-credit bureaus XXXX, XXXX, and Equifax. 

These accounts are report in accuracies on all three credit bureaus. I never opened an account with these companies, never signed an agreement to open an account with any of these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were not authorized to appear on my credit report, I did not apply, nor did I sign any documentation for any credit with these companies listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a clear copy of my credit report. You will see all of the in accuracies highlighted in green on my credit report. You will see that they're not reporting with accuracy on all three credit bureaus. I have also attached my Georgia License, and clear copy of my social security card.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX with the number XXXX  is incorrectly reporting a rating of CollectionOrChargeOff on my credit report, and I am demanding its immediate deletion! 
Youve indicated that the account was opened on XXXX and that the last activity occurred on XXXX. These dates are inaccurate, and I expect you to take corrective action now. 
Youve also noted that the last verified date was XXXX. Under my rights granted by the Fair Credit Reporting Act, I am requesting the exact methods and evidence used to verify this information. Furthermore, provide me with documented proof of your claim that I owe {$12000.00}, as I firmly contest this amount. 
Case law supports my demand : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX ( XXXX. 
XXXX. XXXX ) emphasized that inaccuracies must be rectified ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) reinforced the obligation to verify disputed information ; and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) requires the deletion of false or unverifiable information. Take these precedents seriously and resolve this matter immediately. 

I am contacting you regarding the inaccurate reporting of the account XXXX XXXX XXXX with number XXXX on my credit report. The account is currently reflected as CollectionOrChargeOff, with the date opened listed as XXXX, the date of last activity as XXXX, and the last verified date being XXXX. This information is incorrect, and I am formally requesting the immediate removal of this account from my credit report. 
According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to ensure the accuracy of the data they report. Furthermore, I demand that you provide documentation to verify the accuracy of this account and proof of the alleged {$18000.00}, as I dispute owing this amount. 
The courts have made it clear in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) that credit reporting agencies have a duty to ensure that the information reported is accurate and verifiable. 
In this case, the court determined that inaccurate reporting and failure to conduct a reasonable investigation violated the FCRA, resulting in damages awarded to the plaintiff.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration concerning the multiple unsuccessful attempts to remove fraudulent items from my credit report. I believe that these inaccuracies are adversely affecting my creditworthiness, and despite persistent efforts on my part, the resolution of this matter remains elusive. 

I submitted formal disputes through your online dispute resolution platform, providing comprehensive details and supporting documentation to substantiate my claim for the removal of fraudulent items. Unfortunately, these submissions have not resulted in the desired corrections, and the fraudulent information persists on my credit report. 

The existence of these fraudulent items has had a severe impact on my ability to access credit, secure favorable interest rates, and engage in essential financial transactions. I have diligently followed the prescribed procedures, including contacting your customer service department on multiple occasions, yet the promised resolution has not materialized. 

I understand the importance of accurate credit reporting in maintaining the integrity of the financial system, and I am committed to resolving this matter promptly. However, the repeated failures to address my concerns have caused significant distress and hindered my financial well-being. 

In light of the above, I am requesting an immediate and thorough review of my case. I expect a comprehensive investigation into the fraudulent items on my credit report and the swift removal of any inaccuracies found. Furthermore, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If decisive steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$370.00} XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$370.00}.
Product: Money transfer, virtual currency, or money service

I opened a PayPal account in 2017 to explore if the service would work for collecting rent from my tenant at that time. If I remember we may have even tried a test transfer of a dollar but I may be wrong. I have never used the account and want PayPal to close it. When I call to request it be close I am told I will have to send them a copy of the lease agreement with my tenant which has since expired and the tenant has moved. Of course, I would never share this information with PayPal. When I ask to speak to a XXXX  I am told that it will do no good and they usually disconnect the call. How can I get PayPal to close my account that I have never used?? Please help!
Product: Credit reporting or other personal consumer reports

Despite numerous attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not connected to me in any way, and I hold no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this matter is not promptly addressed. 

These inaccurate and fraudulent items on my consumer report have hindered my ability to achieve my goal of purchasing a home and providing for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), outlining this issue and seeking resolution.
Product: Credit card

Elan Financial Services / US Bank had been negligent in judiciously utilizing the evidentiary documentation and information provided to the company in a timely manner to effectively defend the customer, myself, in financial court related to the transaction of XXXX} charged by XXXX. Attached with this complaint, detailed evidence was provided to XXXX in a timely fashion. The evidence included XXXX website claiming that a refund had been issued and XXXX agent XXXX reassuring over chat that a refund would be issued. Elan Financial Services / US Bank was made aware that the merchant, XXXX, prevented the customer from being able to use XXXX return policy by failing to provide a return address ( and return ID ) upon explicitly contacting the merchant XXXX regarding returning the defective merchandise. The return address ( and return ID ) are minimally required for sending back and tracking any return to the merchant XXXX 's large network of warehouses. This was explained in great detail to more than one Elan Financial Services / US Bank agent over the phone. Elan Financial Services / US Bank naively sided with the merchant, citing the merchants return policy in lieu of the extensive evidence provided via fax and via phone on multiple occasions. Elan Financial Services / US Bank frivolously claimed that they attempted to obtain additional necessary information for the claim, that is, in addition to the complete set of evidentiary information that was provided to the financial institution. Elan Financial Services / US Bank was negligent in utilizing the information already given to them and, hence, should be held liable for the full amount of XXXX
Product: Credit reporting or other personal consumer reports

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

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

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts listed are XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX