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

On XX/XX/24, I attempted to create a Venmo account. 

It stated that my phone number was already associated with another account. I attempted to reset the password to the account and saw a mostly masked email account starting with a " XXXX  '' XXXX account. That was not me. 

I contacted Venmo support to alert them that someone was using my phone number without my consent on another Venmo account. I was asked to upload my phone bill, within 90 days with my name. I did that. 

The agent kept calling me " XXXX. '' That isn't my name. He claimed to " release my phone number, '' which appeared to not be an action that he had done. Nothing appeared to be done. When I tried to reset the password, nothing came in, I am assuming sending password resets to this " XXXX '' guy. They clearly did absolutely nothing and I am alarmed that someone is still using my phone number fraudulently on their Venmo account. I also am blocked from using my actual email address, for which I tried to do a password reset and was not allowed either. I can't figure out why they won't help me fix this and I find it concerning that they XXXX about fixing it, and actually did nothing to help.
Product: Money transfer, virtual currency, or money service

I am filing 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 fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. 
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I'm writing regarding a troubling issue with my credit file. I've noticed a collection entry from your agency that I was never notified about. I also have significant concerns about the validity of the claimed debt. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I formally ask you to provide the necessary validation and address this matter appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. I have been reviewing my credit profile for months now and seen inaccurate information regarding XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) in collections as XXXX XXXXXXXX. They are reporting on my profile more than once. The status is reporting as a charge off. It is my understanding that once you are in a charge off payment status there is not suppose to be a balance that is reporting. They have a balance reporting as well as inaccuracies across the board where the date open and date of last active differs between XXXX and Experian. XXXX reports the same account with a status of late 120 days. The entire account is not reporting the same and I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged account. This makes me angry that my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies. Doesnt ' this goes against FCRA ? 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are the dates that i've mailed out letters to each Bureau
Product: Vehicle loan or lease

I turned in my lease vehicle on XX/XX/17. I cleared up all cost when the car was turned in. Later I got a bill from Toyota Motor Credit Corporation stating that I {$600.00}. I disputed the bill and had my lawyer write a letter explaining my position. I am adamant that I do not owe any money. I have sent numerous letters explaining my position and I never get a response from my letters I just get letters stating that I owe money. At first XXXX XXXX XXXX had this collection for XXXX XXXX XXXX ; now it has been transferred to XXXX XXXX collection and the the bill has now dropped down to {$100.00}. The address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Phone XXXX. 
I do not owe any money to XXXX or XXXX XXXX 
The amount in question is {$100.00}
Product: Credit card or prepaid card

On XX/XX/2021 at XXXX XXXX XXXX I purchased XXXX XXXX XXXX XXXX XXXX XXXX  -- parent company XXXX -- with {$100.00} value. The card was activated. I tried to register it the morning of XX/XX/XXXX to no attempt. The sticker on the front says the card can be used at a merchant without registering it. My son took the card on a field trip to XXXX XXXX XXXX XXXX and tried to use it for lunch -- the reason we purchased the card. The card was declined. I contacted XXXX customer service. XXXX confirmed the card was activated per the above but then deactivated because there had been a fraudulent attempt on the card in XX/XX/2021. He told me I had to register the card and he would mail me a replacement. I told him that wasn't acceptable. I wanted to speak with a supervisor. He told me I could only do that if I registered the card. I told him I was not registering the fraudulent card. The remedy I seek is a refund of the card value {$100.00} and the {$5.00} fee I paid for the card. I also seek any other remedy available. XXXX and XXXX 's activated a card that XXXX XXXX  systems at least detected fraud on immediately after they took my money. XXXX should have never let the card be activated. This a consumer fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , Inc . ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act. ( CFPA ). Specifically, Cash App failed to take timely steps and measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions caused me major inconvenience and financial losses and I seek appropriate redress for these violations.
Product: Debt collection

We pulled a copy of our credit report and noticed a debt from National Credit Systems. It was a debt collection for an apartment we stayed at years previous. We sent XXXX debt validation letters to them and have received partial responses back with little to no information accurately verifying the balance of the debt owe. Please assist because we are prepared to file a lawsuit against them.
Product: Mortgage

I was mislead through a CHASE BANK phone conversation regarding the down payment I paid toward a refinance of my current mortgage. I was told that the deposit was refundable. An inspection was never completed on the property but the appraiser said I had to replace an inside door a, tiled basement floor and fix the spackle job in the bathroom ceiling. There was never a Purchase or a Refinance contract given to me stating the terms of my down payment or allow for any contingencies. I was told that my application was denied unless I do repairs that the appraiser could not confirm if the repairs were necessary. The language they used was they " may be '' necessary to repair but were not requires. Chase would not move forward with my loan application, therefore it was denied.
Product: Credit reporting or other personal consumer reports

XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Unauthorized credit inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I  am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my c redit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database  XXXX  search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that is authorized to do so.   Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.   I will expect you to notify me the results of your investigation within  5 bu siness days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable.   The items that appear on my credit report as  : 1 .   XXXX   XXXX   ACC BAL {$450.00} This account is a HIPPA violation please delete.   2. XXXX   XXXX   XXXX   XXXX   XXXX  Never done business with company error please delete.   3.  XXXX    XXXX  ACC BL {$430.00} This account is a error please delete.    4.   XXXX  ACC BAL {$330.00} This account is error never done business with this company please delete.   5.   XXXX   XXXX   XXXX   ACC BAL {$330.00} This is a unauthorized access to my credit profile error please delete.   6.  XXXX   XXXX   ACC BAL {$240.00}, {$270.00} This account has no details never done business with them. I do not recognize this company please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion concerning to previous complaint about the inaccuracy being reported on my report. However, TransUnion have failed to provide me any feedback and updates with regards to my concerns. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following inaccuracy I found on my report : XXXX  XXXX  Date of inquiry XX/XX/2020
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.

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 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 it
em 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

I have a loan with XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, and MIDLANDMCM. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, and MIDLANDMCM with no successful resolution. There was definitely an error on their part.
Product: Money transfer, virtual currency, or money service

Ive been paying a payee each month for the past XXXX month. Its been the same amount at the same time. This was done using my Chase apps XXXX feature. The payee and I have never had an issue like this before. In this case on XX/XX/XXXX I made the payment, and the money was immediately withdrawn from Chase account. It usually takes a few minutes to deliver to the payee but can take up to 2 business days according to chase. Its been over 6 business days now where the payee does not have even a problem ending status. When I log in to check the status of the transaction, there is an ( I ) icon for information on the status : it says delayed due to payees bank. The payee called their bank and they have no issue on their end and cant even find a pending transaction. I called Chase customer support, then talked to a XXXX XXXX there ; they mentioned that since it had been over the Chase delivery period that they would refund my account with the amount. However, the amount is not in my bank and the claim was closed with no details. I called XXXX more times to Chase and they said I would receive an email about another case open but I never did. This time the Chase support team told me to wait XXXX business days. The amount I am dealing with is {$3400.00}. Chase failed to deliver according to their time windows, its now been over a week, my money is still pending somewhere and there is no resolution. I need this money back due to a failed service on Chases XXXX end. Even the Chase support team said that this was an error, but I have not received any resolution.
Product: Credit reporting 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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

I have Amazon visa  card with Chase. they did not send a bill for the month of XXXX. consequently, I did not pay it. when I realized the mistake they made, I contacted them on Friday, XX/XX/XXXX. I was told my late charges would be removed, but the over {$70.00} interest would not. I have not received a bill for XXXX either, and their customer service is not longer available. I have spent hours trying to contact them. The late charges have not been returned, even after I paid the bill I don't know how much I should pay or what my full bill is for XXXX. I pay my full bill every moth and have never been late. I am not in any financial difficulty.

I fear the covid19 pandemic is being used by Chase as an excuse to profit and obtain high late charges from customers.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I received a collection letter from a company that purchased the account with my name. I am disputing this debt from XXXX XXXX XXXX XXXX XXXX due to the following, 1 ) the collection agency and XXXX XXXX improperly obtained my address in another county " without my consent '', 2 ) decided to miscommunicate, by no communication in regards to resolving this debt sooner rather than now on XX/XX/XXXX, no notification prior to a collection agency purchasing the debt, as this is deemed a threat to report on my credit report prior to informing of the debt collector purchasing the debt from XXXX XXXX, 3 ) an invasion of privacy since I did not personally provide an address, telephone number, or email even though the Plaza Services, LLC, the current creditor has my information to use against me without my consent, or prior knowledge. Furthermore, due to COVID-19, I have been out of work since XX/XX/XXXX. The statute of limitations may have expired and this may be the reason the creditor, Plaza Services, LLC has purchased the so-called XXXX XXXX loan. Furthermore, I am disputing this mainly based upon COVID-19, as I am unemployed, deemed the current creditor as invalid, the contract is null and void due to a nature disaster, COVID-19 and that I have no obligation to pay due to circumstances that have affected my finances. This debt letter is improper to send due to a natural disaster that has caused unemployment, as well as a Florida Statute 787.01 ( 1 ) where I involuntary had to relocate, so I am adding XXXX County Case Number XXXX to eliminate any other illegal activity with the current creditor, Plaza Services , LLC .
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the American Express account in a Charge-off status and past due balance. Specifically, the account shows as closed and opened on XX/XX/XXXX, with a balance that was updated on XX/XX/XXXX. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from my credit report.
Product: Debt collection

My SSN was hacked or accessed in fall of 2022. Multiple credit cards were attempted to be opened ( most credit card companies called/thought it was fraud so I was able to stop it ). Even though these actions were done, an account from XXXX XXXX XXXX for an amount of {$1400.00} was added to my credit report, from a debt collector, Credence Resource Management. I filled out the identity theft packet that Credence sent me to file it as theft, and talked to them on the phone ( today XX/XX/2022 ) and they said XXXX XXXX XXXX communicated back to them stating it was invalid and that I owe the {$1400.00}. Credence now said they will resend the same packet for me to fill out to start the process over. I have not heard anything directly from XXXX XXXX XXXX besides confirmation emails that they received my theft application. I DID NOT open this account and am trying to take all measure to close it and show that it was fraud. I want to get this account deleted off of my credit report ASAP and any help would be greatly appreciated.
Product: Debt collection

I received a XXXX alert a few weeks back regarding a debt collection agency ( Diversified Consultants, Inc. ) trying to collect {$500.00} from me, for XXXX. I contacted XXXX to obtain more details. XXXX, with me on the line, contacted Diversified Consultants, Inc. asking for more details. Diversified stated they were trying to collect on a debt from 6 years ago for XXXX. They provided little information but, because the account wasn't mine, they sent me a " fraud packet '' through the mail. After receiving the " fraud packet '', I notice they're asking for a copy of my DL, bank statements, proof of where I had lived 6 yrs ago, police report, and the packet needed to be notarized. Today, I contacted XXXX directly making them aware that this was not my account. I asked what cell phone number the account was under. They wouldn't give that information to me. I asked for a copy of the contract. They stated they didn't have that available. Frustrated, I then contacted XXXX  to dispute the account. The person I spoke with stated that they don't need proof from XXXX in order to leave the debt on my credit report. This is outrageous. XXXX demands I pay them {$500.00} for an account that isn't mine. XXXX adds a derogatory remark on my credit, yet will not provide me any supporting documents - no copy of a contract nor the supposed cell phone number. XXXX  isn't demanding proof of the debt either yet they insist on leaving the derogatory remark on my credit. In six years, I hadn't heard of this debt - I had not been contacted at all over this. Suddenly, I'm being bullied over a debt that isn't mine and I'm receiving absolutely no assistance.
Product: Debt collection

I, XXXX XXXX received a collections letter from Transworld systems inc. at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX PA XXXX ; ph : XXXX. Referencing account # XXXX dated XX/XX/2022. 
This is in reference to a debt owed to XXXX XXXX XXXX XXXX. account # XXXX. Total debt amount {$160.00}. Former XXXX XXXX. This creditors debt is invalid, i never received the services from XXXX for which they are unfairly trying to have me pay. The account was invalidly charged, no services was ever provided and the company XXXX never provided any letter of debt or service date for actual services. They were never authorized to perform any services for the amount they are asking me to pay. The debt companies, never followed the rules, never sent me a details breakdown of this debt. When asked to send the validation letter for this debt, these debtors never sent it. This is an invalid fee and needs to be revoked as they have sent it to my credit agencies and have lowered my XXXX, and other credit as they have put this fee on my credit which needs to be removed immediately. 
You can contact me at XXXX or at XXXX XXXX