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

On XX/XX/31 I received a payment via Venmo from XXXX XXXX. He mistakenly selected the purchase a product transaction type which is shown very prominently by Venmo in their app payment process. 

As a result, instead of receiving the full amount I received a lower amount as fees were deducted automatically under the assumption that the payment was for a business purchase. 

I would expect that to be able to correct this error I would be able to issue a full refund of the amount paid ( including the fee ) to the person making the payment. However, after contacting Venmo they were not able to offer this option. There is no way for me to refund the full amount including fee so the sender of the money can easily correct this very simple mistake. So Venmo is keeping the fee, even if this transaction was clearly in error and I as the RECEIVER of the money would like to reverse the transaction. 

The prominence and color of the send payment for purchase button in this process is misleading in that it strongly encourages users to choose it - even when the payment is not for a business. Even when a payment is made ( in error ) there is no easy way for the parties to correct this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have sent multiple dispute letters to all three credit bureaus XXXX, XXXX and Experian. I followed all laws and exercised my right by giving them 30days to respond to each letter. I have asked all the credit bureaus on 3 separate occasions to provide me with their method of verification for the item in dispute. They have failed to do so. The unverified items remain on all my credit reports in violation of federal laws. I was not provided any original documentation which must be on file according to the law to verify the disputed item. It is required by law for them to provide me with their method of verification when requested. Their refusal to act is a violation of the Fair Credit Reporting Act.

Some of the following dates are Less than 30 days in between because a response was received from the credit bureaus.

-1st Dispute letter - asking for verifiable proof Received by all credit bureaus on or about XX/XX/2022. 

- 2nd Dispute letter - asking for method of verification received by all three credit bureaus on or about XX/XX/2022 - 3rd dispute letter - notification of violation of my FCRA rights as a consumer ( third written request to delete unverified item ).

Received by all three credit bureaus on or about XX/XX/2022 ** Experian failed to respond or delete item in 30days ( I waited 60days ) I sent them a letter stating that they failed to respond and sent another copy of 3rd dispute letter. Received by Experian on or about XX/XX/2022 - 4th dispute letter - Notification of offer to settle before litigation for continued violation of the FCRA. Received by XXXX and XXXX on or about XX/XX/2022 I have given the credit bureaus every opportunity to cure and resolve this matter. 

ALL RIGHTS RESERVED WITHOUT PREJUDICE Respectfully,
Product: Vehicle loan or lease

I believe I was part of litigation where Santander used deceptive practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$6200.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request.
Product: Debt collection

In XXXX a kid named XXXX XXXX was at my house helping do yard work. The next month my " XXXX  '' card was maxed out {$1200.00} I tried to get a ballance transfer of that card to XXXX  XXXX and was denied because " XXXX '' reported it to credit agencies. There isnt much I can do, I live on SSI and have a very hard time speaking to people. A company bought my debt from creditone and in XX/XX/XXXX I recieve a letter from the courts saying I need to apear for a payment hearing. Meaning LVNV Funding LLC had already taken me to small claims court without any notification. Or proving that I owe them any money period. The person who spent the money on the credit card died in XXXX of a XXXX XXXX. So I don't know what course of action I need to take. LVNV Funding LLC used the courts to legitimize a debt to them. They have since hired another company to manage collecting this from me. Adding court fees on top of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$5400.00}, XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$11000.00} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was lost and my identity was used to open different accounts in my name.I was notified by XXXX XXXX XXXX XXXX about suspicious activity to my account. Upon talking to them I was told about the actions of the perpetrators who was using my name they open a XXXX account they also open a progressive leasing account as well as different telephone companies such as XXXX XXXX XXXX XXXX and XXXX XXXX I was contacted by different collection agencies and I also couldnt contacted Transunion and XXXX and XXXX with the knowledge that was given to me to the collection agencies also have accounts for XXXX  And they also opened up telephone accounts with XXXX XXXX and XXXX in my business name I would like you to take a look at it is matter so we can get it resolved as quickly as possible to restore my name back to good faith
Product: Credit reporting or other personal consumer reports

Experian is denying and rejecting me being a Victim of Identity Theft. Along with rejecting and denying all of my official documentations of being a Victim of Identity Theft. Furthermore in supplying the name of the person that committed Identity Theft against me. The re-reporting of XXXX XXXX which violates the FCRA and is Identity Theft. 

Experian is violating the law and my rights on a daily basis. Dealing with an Identity Theft account I have been disputing for months. By Experian doing this to me, they are doing it to other consumers that rely on their credit, especially those that are Victim of Identity Theft. Experian has totally violated, ignored, and denied my legal dispute letters for months. Especially a consumer that is a Victim of Identity Theft. Experian has NOT followed Section 605B of the FCRA. I have followed Section 605B of the FCRA in supplying all documents needed to be in accordance and in compliance with Section 605B of the FCRA of Identity Theft. Experian has denied Section 605B of the FCRA. Here is a summary of the key provisions of Section 605B : 1. Blocking Information : If a consumer submits an identity theft report to a consumer reporting agency ( CRA ) stating that information on their credit report resulted from identity theft, the CRA must block that information from their credit report. This is aimed at preventing fraudulent or inaccurate information from harming the victim 's credit.

2. Duration of Block : The CRA must block the information within four business days after receiving the identity theft report.

3. Notice to Furnishers : Once the CRA has blocked the information, it must promptly notify the furnisher of the blocked information, which is typically the creditor or entity that provided the disputed information to the CRA.

4. Duties of Furnishers : The furnisher is then prohibited from reporting the blocked information to any other CRA without notice that the information is disputed and may be fraudulent.

5. Extension of Block : The block on information can be extended upon the consumer 's request or based on certain criteria. Section 605B is an important provision for victims of identity theft, as it allows them to take steps to prevent fraudulent accounts and information from damaging their credit reports. If you believe you are a victim of identity theft, it's important to follow the procedures outlined in the FCRA, including providing an identity theft report to the CRAs to block the fraudulent information.
Product: Credit card or prepaid card

My mother passed away in XX/XX/XXXX. I notified Kohls that she passed, paid off her account and asked for it to be closed. On XX/XX/XXXX, I accidentally paid the amount of MY Kohls bill through her still opened account. I contacted Kohls and they told me to contact the bank. I called XXXX XXXX XXXX and they said I would have to wait for Kohls to reject it and it would be returned to my moms account. I then receive a Kohls bill with my moms account number and a credit balance. I called on XX/XX/XXXX and spoke to someone who said I had to contact the " deceased department '' even though I had already reported the death. He gave me A FAX NUMBER. I called back and spoke to XXXX who told me his id was XXXX. I was on the phone with him for a LONG time and the outcome was I had to wait a few days for the deceased department to call me. Still no call. I tried again today. Spoke to XXXX id # XXXX. He took all the information again and wanted to create a case to " find the payment ''. I told him there was no need to try to find it, I GOT A STATEMENT WITH A CREDIT BALANCE. I asked to be transferred to supervisor. Finally after XXXX minutes I got transferred to XXXX. The previous person told him absolutely nothing that I said. Had to repeat everything again. Then he tells me they will send me a check in 90 days. Not acceptable. Please help.
Product: Mortgage

I tried to pay LoanDepot, XXXX XXXX XXXXt, LoanDepot.com, LLC {$140.00} to settle up on a monthly increase because of a escort increase. They will ONLY allow me to pay it by phone and want my checking account information. I don't let anyone have my banking account information.
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 vulnerable and unprotected Futhermore, 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 W. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations
Product: Credit reporting, credit repair services, or other personal consumer reports

No one contacted me regarding the collections information and it was misleading billing. This is the company listed. I don't know how I didn't find out about this. CREDIT CONTROL SERVICE has flagged your account as Collections on XX/XX/2022. 

Source : XXXX XXXX : CREDIT CONTROL SERVICE Address : XXXX XXXX XXXX, XXXX, MA XXXXXXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$52.00} My phone number is XXXX
Product: Debt collection

The XXXX contact was on XX/XX/XXXX. They always begin the conversation is this such and such ( name ) ; without ever identifying who they are. They ask for personal information although the public is advised not to give personal information over the phone ; they continue to use this tactic. This is a debt that I took care of XX/XX/XXXX when I refinance my home and from that point on this debt has been sold to various collection agencies. They as for the request to have calls stopped to be sent in writing. I am reluctant to do that because I did not want to provide any personal information including my address, but it was confirmed by the Bureau of Consumer Financial Protection that it would need to be in writing. Sending my request in writing is my next step to stop these repetitious phone calls.
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 items 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 items 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX Balance : {$850.00} 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 card

BANK OF AMERICA refused to accept my claim of identity fraud nd the account was opened fraudulently by someone using my personal information even though I provided proof of the identity fraud.
Product: Debt collection

Repeatedly called after I asked to only be contacted by mail or email. Threatened to show up to my job and also harassed family member and friends on numerous occasions after being told to only contact by email or mail. Threatened to take me to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX Covington Credit incorrectly reported a debt collection on my credit report beginning somewhere around {$300.00}. Since XX/XX/XXXX they had changed to status as an " open '' account. Every month since XX/XX/XXXX they have " closed '' then " reopened '' the account increasing the balance due every single time it's " reopened ''. My report currently states that it was opened in XX/XX/XXXX when they have actually had this snowball account reporting since XXXX. They now show a balance of {$840.00} and state that payments were made the past 2 months. All of this information is incorrect. I've tried disputing the account as fraud which has been ignored. I have over a year of active " open '' " closed '' " paid '' " late '' statuses all submitted at random times. They have done this to keep the account ACTIVE on my report versus allowing it to be written off or disputed. It's FRAUD. The account is not mine, the balance is TRIPLE what it started out as and they are reporting FALSE information. ( Made payments, missed payments, account closed, re-opened, etc ) Joke of a company. OVER 3 YEARS OF FALSE INFORMATION.
Product: Debt collection

i paid this debit that was from when i was married after they threathen me i paid XXXX a month for 2 year i than asked at the end of to year to send me pay history and balnce if any owed in XX/XX/2016 now 2 years later there claiming i owe XXXX more which why did they wait 2years to collect and i made several requests when i had money to cler any balance up! for a print out well no tey agian rather be sneaky XXXX XXXX and hide two and attach my wages thats going to kill me and make me  homeless!!!!!
Product: Debt or credit management

We never missed a payment prior this company. Being out of work for months we knew we were gon na be introuble.Wanting to do the right thing we called freedom debt relif to help us. They never told us about the settlement fees. They took aprox XXXX of our payments for themselfs and only paid XXXX twords our debt. They told us not to communicate with our creditors that they would do that for us. Also told us not to mention working with Freedom Debit Relif. They money they took could have paid off 2 creditors. We would have never agreed to this had we known. That would just be crazy. While out of work we struggled to pay them the XXXX per month ... by the way they lead us to belive it was loan consolidating type organization. Now once finding all this out after being sued from one of our creditors. We called the rest of our creditors whom told us no one has called them on our behalf to settle our debt. Eveything they told us was a lie and according to them all said on a recorded call. We calles to close our accout with freedom debt relif they refused to give us the settlement fee back because they made 2 payments and paid XXXX on one settlement for XXXX. And paid 2 payments for XXXX on another settlment. This should not be allowed ; we are older and they took advantage of us when we were stressed and scared. This is unexceptable. They didnt settle anything we are having to work with the creditors on our own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$XXXX} - Charge off- XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off- XXXX  XXXX Date Opened XX/XX/XXXX Date XXXX XXXX XXXX - Late/Closed- XXXX XXXX XXXX, XXXX XXXX Date Opened XX/XX/XXXX - - Late/Closed-
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having difficulties with buying a house and applying for new credit cards. I paid the collection XXXX XXXX XXXX Reported : XXXX XXXX, XXXX and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Mortgage

FRAUD WAS ADMITTED TO BY XXXX. THIS IS AFTER XXXX XXXX AND I WERE MADE TO DO HANDWRITTING TEST. TE WENT TO XXXX XXXX POLICE DEPARTMENT TO HAVE IT DOCUMENTED, BECAUSE WE DON'T TRUST XXXX. XXXX REPORT WAS MADE. 

I CALLED FOR A COPY OF XXXX XXXX ' HANDWRITING TEST, AND XXXX TOLD ME NO, THAT IS THEIRS, FOR INTERNAL USE. 

WE WERE ASKED TO DO THE TEST A 2ND TIME. I DID BUT DO TO THE FOLLOWING, XXXX SAID, MAN XXXX   EXPLATIVE. 
THAT NOTARY BROAD IS ABOVE EVEN BEING ASKED. PREDJUDICE XXXX XXXX XXXX ( EXPLATIVE ). 

I DID THE 2ND HANDWRITTING TEST IN POLICE STATION. 

WHAT XXXX AND I DID WAS SEE XXXX XXXXXXXX XXXX  BEAUTIFUL PENMANSHIP WAS EXACTLY THE SAME AS THE FORGED DOCUMENTS.