23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance {$250.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance {$960.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$580.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$600.00} Opened Date XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a {$300.00} payment via Venmo to a known party as a deposit for an upcoming vacation. The intended receiving party then advised me that they no longer could access the account I paid as it was no longer or not valid on Venmo. I checked the Venmo procedures on how to cancel this type of payment and I have been trying to " take back '' the payment in question using their procedures. Each time I do the system says the payment is " pending '' and can not be taken back. I tried back in a few days with similar results. As the intended receiver has no access to Venmo, the status will NEVER change to any other status. 
It has been XXXX  days since I made the payment and I am still getting the same result today. I decided to try and reach their Support group by phone. I explained the situation and was asked a number of questions including the bank I used to charge the payment from etc.. All of this should have been known to them. With XXXX years in XXXX XXXX XXXX XXXX XXXX I am very cautious about what information I provide. I was then asked to download a file called XXXX XXXX  and install it on my desktop. I expressed my concern about installing an executable file to my PC but I was told it was the only way I could get an immediate cancellation. However, I downloaded it and installed in a special secure environment. After that was done the person on the phone asked me for the ID and password that came up on the screen. I refused to do so and stopped immediately. After doing so the party on the phone said I was too stupid to understand what he was trying to do for me and hung up. 
XXXX XXXX  is a notorious application used by scammers to take remote control of a users desktop. Venmos methods are extremely unorthodox and subject members to additional risks. 
My money is being held XXXX with no way to retrieve it until Venmo permits it. They are clearly in violation of a number of rules a payment service provider is responsible for. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and documentation to have the incorrect addresses removed. Nothing has been resolved by Experian. XXXX and XXXX have removed and updated my credit file with the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that I do not recognize and the credit bureaus have not verified.
Product: Money transfers

Please I need your help urgently. I went to Sigue, a money transfer company to transfer money to my family which needed it urgently but the company has been coming up with XXXX excuse upon another and have since refused to send my money. I have provided all the requirements they asked for upon transaction and I have later provided series of other documentations which they kept on changing o no avail. 
I trust you will like to expose them and call them to order at the very least. 
I am desperate for your need to help get this money transfered asap for the urgent purpose which I needed it for. 
I look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX  XXXX XXXX Opened Date XX/XX/XXXX Balance {$4600.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$3300.00}, XXXX XXXX  XXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, and ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXXXXXX XXXX credit card account ( XXXX ) was opened in XX/XX/2021. Since the opening the account, I did not receive any paper monthly statements or any paperless monthly statements ( i.e. email notification ) from XXXXXXXX XXXX since XX/XX/2021. The only notification from the bank was a text message on or around XX/XX/2021 regarding the account. I immediately contacted the bank and was informed of the past due balance in the amount of {$49.00}, including late fee of {$39.00}. I immediately sent in the full payment in the amount of {$49.00}. The payment was posted on XX/XX/2021. 

Since XXXX did not provide any paper or paperless statements ( e-notification ) for the period from XX/XX/2021 to XX/XX/2021, I did not received proper notice of the amount due and the payment due dates. When XXXX reported that my account status was " delinquent and past due for 30 days '', such reporting was inaccurate. Had I received proper paper or paperless statements, I would have paid the outstanding balance before the due date. Based on the fact that no paperless statement was sent to notify me of the balance due date, the negative information reported to the credit reporting bureaus is incomplete and unverifiable information. 

I believe that it is unethical for XXXX XXXX to report such negative information when the bank mistakenly did not send me any paper or paperless statements, to properly notify me of the outstanding balance and the due date. 

I have excellent payment record for the last 40 years. I always paid my balances on time, as long as paper statements or e-notifications are properly sent to me. Such negative information from XXXX is detrimental to my credit rating, with a substantial credit score drop of 75 points, from XXXX to XXXX currently. 

Your prompt attention to resolve this matter is greatly appreciated. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an 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 card or prepaid card

I applied a Chase Sapphire Preferred credit card on XXXX XX/XX/2020 in a chase branch ( Address : XXXX XXXX  XXXX XXXX, XXXX, FL XXXX ), but the banker who served me got my address wrong. She failed to make my mailing address appear in Chase 's system.And I realised it and updated my address on XX/XX/XXXX ( the reason why I realised it so late was becuase this banker failed to submit my prove of address and the duplicate of my social security card ), and they promised me that the credit card will be delivered to the update mailing address, but it was still delivered to the old address. So I have a cerdit card mailed to the wrong address after I update my address.
Product: Mortgage

In XX/XX/year>, I mailed an insurance claim check of about {$13000.00} and all required documents to my mortgage servicer. They confirmed receipt on XX/XX/XXXX but did not release the first disbursement for over 30 days, despite multiple phone calls and promises of escalation. I finally received the first draw in XXXX. 

For the final disbursement, I submitted all waivers and documents by XX/XX/XXXX, and a property inspection was completed on XX/XX/XXXX. The company claimed on XX/XX/XXXX that the check was mailed, yet it still had not arrived as of XX/XX/XXXX. I incurred overdrafts and contractor payment delays, and repeated requests to wire the funds or expedite shipping were ignored. On XX/XX/XXXX, the check finally appeared, but it would not clear until XX/XX/XXXX, prolonging the financial strain. 

Throughout this process, the company did not provide a clear explanation for the delays, refused a wire transfer despite the funds being available, and never offered meaningful supervisor follow-upeven after I explicitly requested manager-level contact. This has caused significant stress, unnecessary fees, and contractor payment issues.
Product: Credit reporting or other personal consumer reports

I had requested an investigation of errors on my report that wasn't not mine or out dated that was still there..There was nothing they could do to fix it
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und 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 reporting or other personal consumer reports

Subject : Formal Complaint Against Nelnet for Erroneous Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Phone : XXXX XXXX, XXXX Consumer Financial Protection Bureau To Whom It May Concern, I am writing to lodge a formal complaint against Nelnet, a student loan servicing company, for an error in reporting my payment history to credit bureaus, which has unjustly damaged my credit score and financial standing. This complaint details an issue that occurred around XXXX and has continued to adversely affect my credit history to this date. 

In XXXX, I was in communication with Nelnet to arrange for a deferment or an alternative payment plan for my student loans, as my existing deferment period was nearing its end. After diligently ensuring that all necessary steps were taken to secure the deferment, I was dismayed to discover approximately a month later that my credit score had plummeted by over XXXX points. Upon investigating the cause, I learned that Nelnet had reported a missed payment to the credit bureaus. This was not just a single report ; because my debt was fragmented into over XXXX separate accounts, it appeared as though I had missed XXXX payments concurrently. 

I immediately contacted Nelnet to address this discrepancy, as I had not missed any payments and had taken all the appropriate steps to ensure my account was in deferment. Despite acknowledging their error, Nelnet refused to rectify the misinformation reported to the credit bureaus. This erroneous reporting has persisted in affecting my credit score negatively, despite my efforts to resolve this issue and maintain a punctual payment record post-consolidation of my loans. 

The impact of this error on my credit history is profound and unjust, considering that the fault lies entirely with Nelnet 's mishandling of my account information. It is crucial for my financial wellbeing that this error be corrected, and the erroneous late payment reports be removed from my credit history. 

Therefore, I respectfully request the Consumer Financial Protection Bureau to intervene on my behalf and investigate this matter. I seek the removal of the incorrect late payment entries from my credit report and any other necessary corrections to ensure that my credit history accurately reflects my payment record. 

I am prepared to provide any further information or documentation as needed to assist in the resolution of this complaint. Thank you for your attention to this matter and for your assistance in rectifying this significant issue. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Approx. 18 months ago, I began paying monthly payments via check to The Collection Bureau of Walla Walla Inc ( CBWW ). I have NEVER missed a payment up to this day. Approx 12 months ago, a Cease and Desist Order was placed on this account by me which was repeatedly ignored by CBWW causing me to purchase extra features on my phone in order to Block Calls from CBWW. On XXXX/XXXX/16, I was served a lawsuit by CBWW demanding full payment to the tune of {$1700.00} despite only owing {$900.00} at this time. Several attempts to request ANY copies of me acknowledging owing this bill AND copies of ANY payment arrangements signed by me have not been provided. On XXXX/XXXX/16, I spoke via telephone to a CBWW employee named XXXX who admitted that I never signed ANY paperwork accepting responsibility for this bill AND she ALSO admitted that I never signed ANY payment arrangement with CBWW. AFTER I was served, the CBWW actually cashed ANOTHER check from me for {$35.00}. These creditors are being paid every month and are even cashing my checks AFTER I was served!! This lawsuit is illegal and unnecessary causing me an additional {$600.00} bucks plus almost 2 years of interest which is an outrageous illegal scam to rack up fees to purposely keep me in debt. This collection company has a systemic fraudulent office practice of knowingly racking up debtors cases when the total due amount gets lower than {$1000.00} purposely causing debtors to represent themselves in civil court, where they often lose and BINGO another {$600.00} bucks is added to their file. In my case, I have NEVER acknowledged even owing this bill, never signed any payment arrangement, and have a clean perfect record of paying every month!
Product: Credit card

I reported my City Shop Your Way card lost, when soon after I received a returned payment notice from XXXX XXXX XXXX XXXX. My old City Shop Your Way card was reported lost. I had no clue that the old lost card was still being used. Furthermore, I have not received my new card as of XXXX XX/XX/2024. Very hard to use if I don't have my new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX credit bureaus after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have inaccurate information reporting in both Transunion and XXXX, XXXX XXXX XXXX XXXX  open XX/XX/XXXX with A BALANCE of XXXX, on transunion, XXXX  XXXX XXXX XXXX open XX/XX/XXXX on both transunion and XXXX with a balance of XXXX. ALso XXXX XXXX XXXX opened XX/XX/XXXX with a balance of XXXX on transunion. ALso XXXX XXXX XXXX open XXXX XXXX XXXX with a balance of XXXX and lastly XXXX XXXX opened XX/XX/XXXX with a balance of XXXX and the companies have taken no action to remove these item after several letter and attempt over the past 90 days and more.
Product: Credit reporting

On XX/XX/2016 I went into the XXXX XXXX store and asked about options for my prepaid cell phone data packages. 
I was not notified that the attendant did a hard inquiry on my credit report, this hard inquiry reflects negatively upon my credit score, and I want it to be erased. 
I filed a complaint with Equifax on XX/XX/2016 and am awaiting correspondence. 
I have the name of the attendant who I spoke with and the address of the XXXX XXXX store I went to.
Product: Credit card

On XX/XX/XXXX my nephew and I visited local dentist I have been going for years Previous dentist quit and new female substitute was in his place I have XXXXXXXX XXXX last two years at XXXX XXXX  Normally a filling is XXXX XXXX  The doctor cut short our visit due to previous customer late We did not get XXXX XXXX  after cleaning and thus rushed out for her next appointment Prevous history : Filling XXXX XXXX  Cleaning including fluoride was XXXX XXXX  My charge was XXXX XXXX  ( nephew ) XXXX ( my cleaning ) and XXXX filling Total XXXX XXXX
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 XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX MO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm resubmitting this CFPB complaint to express my fury and profound disappointment over the bogus things that were reported on my credit report. The fact that there are multiple items that I did not open or know about and that it is obvious my identity has been stolen is unacceptable. The aforementioned items include : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$4800.00} XXXX XXXX  XX/XX/2023 XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX are a blatant violation of my rights and have severely impacted my financial standing. I insist that you launch an investigation right now and erase these false entries from my credit record right away. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to get a written response from you describing the results of your inquiry and the efforts you have taken to correct this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be deleted. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted. 
XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXXXXXX XXXX XXXX have already deleted and removed from My credit reports as the accounts do not belong to me. Transunion has refused to remove them even when provided with accurate information along with multiple other accounts theyve been asked to correct. Attached are XXXX  results for the files thats Transunion fefuses to look at
Product: Bank account or service

Bank had no checks cleared when I looked at account online XX/XX/2016 and morning of XX/XX/2016. The balance on that date XX/XX/2016 was slightly over {$920.00} ... on the fourth I checked again and they said a check cleared on the XXXX and charges me a {$35.00} overdraft fee. They cleared a check retroactively which incurred a fee or my online banking was not accurate. Either way, this is no fault of my patronage. 

Twice I was told upper management would call me back, once in XXXX hours and once in XXXX hours. I still have not gotten a callback and my branch filed a complaint and XXXX notices ... they have not heard back either. I am owed {$35.00}