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

On Friday, XX/XX/XXXX I was the victim of a scam operation and paid XXXX to a compromised Venmo account from my own Venmo account. After discovering it was a scam, I reached out to Venmo support the following day ( XX/XX/XXXX ) to let them know it was fraudulent activity and to discharge the balance from the scam account, as it had not yet been transferred out of Venmo or charged to my bank. 

Their support sent me an automated reply instead of actual help, so I submitted an escalated request, which I got a response to asking for details on the transaction. These I provided. The case was sent to an anonymous " account specialist '' who did not reply until XX/XX/XXXX. By this time, I was worried that they would not respond in time and had reached out to my bank to put a stop payment on the charge, which was done successfully. 

When Venmo " account specialist '' replied, they said only that they couldn't put a stop payment or any mediation effort on the transaction, even though the balance had not been yet transferred out of the fraud account. I informed them I had put a stop payment and to clear the balance on the fraud account and disallow it from being transferred out, at least until they could investigate. 

They responded they could take no action. 

I responded by asking if they could explain what would happen since my bank had blocked the charge, and they responded only with " Venmo Help You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 

Hello XXXX, If you have additional questions, please contact our Support team by visiting https : //venmo.com/contact-us/, chatting in from our mobile app ( M-F 24 hours a day ; XXXX XXXX EST ), or calling ( XXXX ) XXXX ( XXXX, XXXX EST ). 

Regards, Account Specialist '' This not only did not help, but took valuable time away from understanding the situation before further action. The evening of the XXXX, the scammer transferred the funds out of the fraud account, and I received a notification from Venmo : " Your payment could not be funded by your bank account ... Reason from your bank : " Payment on this item has been stopped '' Don't worry, we covered you and [ scam account ] has the funds. 
Please pay {$250.00} for the transaction. Please know that your Venmo account has been frozen ( you can not send payments or transfer funds to your bank ). '' Venmo clearly covered a charge against my wishes and advisement, even with a clear indication that the reason the charge did not go through was from a bank freeze, which I had notified them of in advance of the transfer. I called their support and was told by an agent there was no dispute path to take, and I had to clear my balance with them. 

I provided advance notice to Venmo through multiple channels to inform them not only of a scam, but of a block on the payment and they failed to flag the account, halt the transaction for investigation, or indeed provide any information until funding the transfer themselves and immediately demanding repayment, with no recourse or investigation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XX/XX/2017 In accordance with 15 U.S.C. 1681c-2, I request that you immediately block this fraudulent information from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, you are not allowed to report these accounts on my credit history. 

I have contacted the credit bureau multiple times regarding these fraudulent accounts on my report, but they have failed to provide a solution. This situation is severely affecting my ability to acquire a new home for my children. These accounts were removed and not verified by other credit bureaus, so I do not understand why they still remain on my report. 

I have formally requested contracts containing the information that supposedly belongs to me, but more than 60 days have passed without receiving any response. I ask for your assistance in immediately deleting these fraudulent accounts. 

I have attached the FTC report ( REPORT NUMBER : XXXX XXXX in the hope that you will make a fair decision regarding my case. I appreciate your prompt attention to this matter.
Product: Checking or savings account

I normally get my direct deposit from my employer on Wednesday night which is XX/XX/year> but I received nothing. Nothing again on the following day. It is now XX/XX/year> official payday and still I have received nothing. I pay my auto loan with this account and I am now delinquent because of this nonsense. I also receive child support direct deposit to this account and it was sent out earlier this week which means I should have received it also but once again I can not access any of my funds because capital one is withholding my direct deposit funds!!!
Product: Credit reporting or other personal consumer reports

To whom it concerns my name is XXXX XXXX, and I am writing to bring to your attention a matter that requires immediate attention. It has come to my notice that there may be an error in the way my information is being reported by XXXX. Specifically, I believe that certain information is being reported illegally. 

Section 602a of the Fair Credit Reporting Act, 15 USC 1681, stipulates that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As the consumer, my credit report providers are XXXX, Experian, and XXXX. My right to ensure that my private information is kept private is supported by 15 USC 6801, which states that " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' By definition, all credit agencies such as XXXX, Experian, and XXXX fall under the designation of a financial institution pursuant to 15 USC 6827 ( b ).

Section 2 of 15 USC 1681 section 604 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX have not given my formal consent to XXXX XXXX or the consumer reporting agencies XXXX, Experian, and XXXX to provide this information. All spoken, nonverbal, written, implied, and other consents to XXXX, Experian, XXXX, and XXXX XXXX are withdrawn. " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, Experian, and XXXX never disclosed to me that I might invoke my right to remain anonymous. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' They are re-reporting this account as a negative item without my consent, which is illegal. USC 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Furthermore According to 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

XX/XX/XXXX ( Account 1 ) Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3200.00} Status : Closed 2.XX/XX/XXXX XXXX ( Account 2 ) Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Status : Closed 3. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Status : Open 4. XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XX/XX/XXXX Status : Paid Closed 5.XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ - Status : Transferred Closed 6.XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} Status : Open Consumer Name : ( XXXX 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 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. 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 # ( private case number ) 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: Debt collection

Resurgent Capital alleges I owe them money for a credit card debt. The debt never existed. I have request they provide proof of the debt. The attachment is what they provided me that they claim is proof of the debt. They made up this alleged debt on their computer. I made up the same kind of documents on my computer and sent it to them. Legal proof of a debt as defined by the fair credit act is 1 : Credit card receipt with my name on it 2 : Credit card contract 3 : Phone records where I allegedly activated this credit card. The document the company submitted as proof of debt was fabricated by them. Read their XXXX  complaints and their CFPB complaints. They have tried to scam many people by making up fictions debts. If they can not legally prove ( Which they have yet to do ) this debt then I want their trade line removed from my XXXX  and XXXX  credit report.

Under CFPB guidelines ( as I understand them ) for debt verification a debt collector must provide a receipt with the person name on it or a contract between the original company and the debtor or phone records showing conversations between the debtor and original owner of the debt. Resurgent has not provided any of that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 Credit Bureaus are expected to BLOCK any records recorded on an ID THEFT REPORT # XXXX.The ITEMS I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some ITEMS are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ). 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$580.00} ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Credit Scoring Practices and Consumer Treatment Dear Sir/Madam, I am writing to lodge a formal complaint about the current practices surrounding credit scoring and the treatment of consumers, especially in times of financial hardship. 

Firstly, I have observed and experienced firsthand that credit scores are quick to reflect negative information, resulting in rapid downgrades. In contrast, improvements in one 's financial behavior take an overly slow and inconsistent time to be reflected in their credit score. This asymmetry not only affects consumers ' ability to access credit but also implies a system that is unforgiving and does not adequately reward positive financial behavior. 

Secondly, it is concerning that paying off debt, which is inherently a positive financial move, does not seem to be adequately recognized as such within the scoring system. This disincentivizes debt resolution and could potentially trap consumers in a cycle of debt. 

Moreover, I believe there is a significant oversight in the lack of facilities or accommodations for individuals who lose their employment. The current system does not provide sufficient support for those who are actively trying to improve their financial situation by bootstrapping or seeking new employment opportunities. 

The reliance on unemployment benefits as a means to support individuals during job transition or after redundancy is, in my experience, inefficient and inadequate. The process is often cumbersome, the support is minimal, and it does not align with the dynamic nature of the modern workforce nor the rapid pace of change in the job market. 

In light of these concerns, I urge the CFPB to consider the following actions : 1. Review and address the imbalance in credit scoring dynamics to ensure timely recognition of positive financial behavior. 
2. Recognize debt repayment more positively in credit scoring metrics. 
3. Develop more supportive frameworks for individuals facing unemployment or financial disruption, which facilitate a smoother transition and empower consumers to regain financial stability. 

I trust that the CFPB will take this complaint seriously and look into these issues with the aim of making necessary reforms that are fair and beneficial for all consumers. 

Thank you for your attention to this matter. I am willing to provide further information or clarification as needed and look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several times explaining that incorrect information is being reported in my name. I have never filed for Bankruptcy, this should be deleted along with the accounts that you did not delete with my last dispute for XXXX XXXX & XXXX. They are the only remaining accounts that you did not delete as you deleted & blocked the other accounts as I asked in the last request. I have sent information along with a letter from the courts saying that they do not verify or report to any credit bureau. Please delete this information this is my third request and you keep deleting a few accounts at a time instead of all at one time. Please delete these accounts.
Product: Credit reporting or other personal consumer reports

After contacting these creditors individually, they have each informed me that the best way to remove these inquiries would be to reach out to the credit bureau themselves. I am requesting these inquiries be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of these creditors. I am not currently looking for credit. 

XX/XX/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
Product: Debt collection

On XX/XX/year>, I requested full validation of an alleged debt that is being reported by Fair Collections & Outsourcing ( FCO ) related to an apartment lease. They responded with partial documentation ( lease agreement, fee breakdown, etc. ), but failed to provide proof that they have the legal right to collect this debt such as an assignment of debt or written authorization from the original creditor.

I also asked for full contact information of the original property/creditor and received only what was already included in the lease. I was told no one at the agency can provide the full validation I requested.

As this debt remains unvalidated under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am requesting that it be removed from all consumer and tenant screening reports until such proof is provided.

I made my request in writing and over the phone and was told they could not provide the documentation I asked for.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Commencing on XX/XX/year>, I fell victim to XXXX XXXX-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX XXXX  from my Chase Bank account to fraudulent investment firm ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit line increase with Barclay US and they pulled my credit again. I was not notified that they were going to use a hard inquiry on my report.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some inquries that I did not make nor did I approve anyone to pull my report.
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. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates according to And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed has violated my rights. 

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 Account number XXXX 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 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
Product: Checking or savings account

On XXXX the XXXX, my CHIME debit card was stolen from XXXX gas station... I called the same day to report my card stolen... I spoke with a chime representative and they issued another card to wrong address without verifying my information. I have not lived at prior address for 5 yrs .... I than called again to question why I have not received my card, They tell me that they sent the card out after 3 weeks of waiting still no card and can't access any money to pay bills... I called again today XX/XX/year> and still no card .... They are now saying that I have to wait another 3wks for my card to arrive... This type of practice is unethical and has now caused great harm to me paying bills on time and my monthly rent. Can someone please help me?
Product: Money transfer, virtual currency, or money service

I'm not able to link my PNC bank Account to my XXXX trading account.
Product: Money transfer, virtual currency, or money service

My funds were put on hold for 180 days and I would like to get them as soon as possible venmo is violating Florida law when it comes to money transfer service venmo should not be allowed to do business with the state of Florida venmo should be fine for the maximum extent also representatives from venmo use racial profiling when addressing my issue I'm asking for the immediate resolve and return of my money ASAP