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

I signed up for venmo on XX/XX/2021. I sold a saw to a friend and he paid me {$350.00} on venmo. I added my debit card to my venmo account and tried to transfer my {$350.00} into my card and it wouldn't work. So I then tried to order myself uber eats because venmo advertises you can use your venmo balance to pay for XXXX eats and twice it declined it and then froze my account. On XX/XX/2021 I called and talked to venmo in which they told me I would be contacted by email in XXXX hours. The following day venmo emails me request a copy of my driver 's liscense so I immediately use there upload link and upload my Id. I recieved an email shortly after saying they had verified my identity and I could begin using venmo as normal. So I tried to send {$20.00} out of my account and it immediately froze my account again. I email venmo and once again they say my account is unfrozen so at this point I want my money out of venmo so I contact my bank at XXXX XXXX XXXX XXXX and they tell me I can make the transfer from venmo. I get back on venmos app and attempt to add my credit union through their app with plaid and i get a quick message that says success then the screen displays an x with the words " Something went wrong ''. They had froze my account once again for trying to add my bank account that is in my name. So I email venmo again and this time they send me a message back saying they have permanently XXXX my account and I can no longer use venmo and that I could not transfer my {$350.00} out of my account. They said they were keeping my money and in 6 months they would email if i could transfer my money. I did not violate any of their policies. I opened account tried to transfer money tried to pay for XXXX eats and tried to add my personal bank account and they did this.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX  - XXXX, XXXX XXXX - XXXX, XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I bought out my lease around XXXX XXXX and submitted all the paperwork at the XXXX XXXX Audi dealership in XXXX, GA along with the check for the payoff amount. Till date ( today is XX/XX/XXXX ), they have not provided me with my title. I must have made at least 20 calls to Audi financial and they keep saying that they have changed the vendor who processes titles for them and that's the reason for the delay. I called Audi financial again yesterday and once again was told, " it will 2-4 more weeks ''. 

However, this is ridiculous and unacceptable. They took the payoff amount from me more than 2 months back and now I am stuck unable to sell this car. I need Audi financial to pay the price of this inefficiency and poor service. 

I want this info to to be available for the whole world to see and I want Audi financial to compensate me for this delay... or I will share this on multiple social media forums to deter people from buying/owning an Audi around the world!!! 

Thank you
Product: Checking or savings account

Refused to deposit {$500.00} cash into my wifes savings account even though I had the account number my Last name and hers are the same and we both leave at the same address
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there are accounts and inaccuracies on my credit report. I reviewed all 3 reports and when I noticed the issues I reached out to Equifax, XXXX, and XXXX. I sent a total of XXXX letters letting them know of my request for correction and deletion. Not only have they not done this they continue to send me a computerized response of validation. I am the sole " person '' that can validate anything on my credit file per 15 USC 1692 ( g ). I am also the one who must give my written consent giving the credit reporting agencies authorization to furnish my credit report in the first place per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. The consumer law violations are overflowing at this moment and this is my last attempt before the courts are involved and my invoice for monetary payment is mailed. I am fully aware that NO court system provides any type of court filing of bankruptcy or record also. Where are you actually getting the record from and what authority do you have to give that information? I haven't even filed BANKRUPTCY but yet there's one on my credit file I have to fight to get off when law says I have the right to get anything off of my report.
Product: Debt collection

At XXXX XXXX!!!!!!!! Nationwide Recovery services called. When I complained that it was XXXX the lady tried to argue with me telling me it was XXXX. I explained I live in XXXX XXXX, that is a XXXX XXXX number she continued to argue. I asked for a supervisor. 
When I asked for the supervisor XXXX said they never even called me. He was rude argumentative and tried to even say they never had record of my phone number.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

Hello there, I bank with Wells Fargo and I've recently gone back to school full time. With that I am now making less money and I have sometimes overdrawn my account. Because of this, Wells Fargo has continually giving me overdraft fees. And these fees are ridiculous. One time, I got three {$35.00} fee three times in a day for being overdrawn. And one of the overdraft fees was for literally XXXX dollars and XXXX was for XXXX dollars. The specific incident, I am contacting you guys about happened on XXXX XXXX XXXX XXXX XXXX My count was overdrawn by XXXX dollars and I think {$.00}. I had {$15.00} in credit card reward money. So I transferred that money into my account XXXX  thing in the morning of the XXXX. And it didn't hit my account until later that. And I had until the XXXX to put money into my account. So when I woke up in the morning of the XXXX on XXXX dollars overdrawn I got a {$35.00} fee. And my ending balance turned into - {$27.00}. It literally doesn't make any sense. I'm constantly tired of calling at these banks and spending a whole bunch of time on this. Absolutely ridiculous fees. And these banks are doing it on purpose. I understand it's automated systems, but they could fix the problems with the systems. They choose not to because it's making them money. But it's theft. And there's no way that this is legal. And I have no problem paying bank fees. Sometimes they're absolutely deserved but every single time. Some of these tees are ansolutelv insane And the amount of time have to take out of mv dav to straighten out the bank is absolutely ludicrous I have to spend at least XXXX minutes up to XXXX minutes every single time. Not to mention I'm out the money now for however, long it takes for me to get the money back.
Product: Debt collection

I am extremely frustrated with the persistence of fraudulent accounts on my credit report. After filing an identity theft report on Identitytheft.gov, the associated bank confirmed the report 's validity and assured the immediate removal of the accounts. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my report it only shows that one credit report has this on my credit report but the other 2 reporting agencies dont have nothing on my report.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 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. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " 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

XXXX and EQUIFAX, without my knowledge or consent, placed a security freeze on my credit report. I have requested that they remove it forthwith. They refuse to do so and continue to send me stupid form letters from XXXX asking for confidential information I refuse to supply to them, including my social security number, a copy of a driver 's license ( assumes I have one ), utilities bills and other things. I DID NOT REQUEST THE SECURITY FREEZE. They must remove it immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account NumberXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently sent in a dispute for correction on my credit report, and nothing has changed. it seems Equifax failed to do a proper investigation required by law. Inquries still remains on my credit report ( hard and soft ) as Ive had no business with these organizations. Also charge offs still remains, and late payments hasn't been placed in current status either. I'm sending in XXXX last and final dispute letter before I go into federal courts if Equifax continues to defame my character and cause me more emotional distress, XXXX XXXX XXXX. I'm being denied credit due to these inaccuracies of debt. Equifax has assumed a vital role in my consumer affairs, so im demanding that they correct my credit report before a suit be filed against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX around the XXXX XXXX. I talk with the credit bureau about my credit is out of date. My credit card reporting payments has been incorrect information. Hard cord fell off my credit and made my credit go down. Incorrect late payment history being put on my credit is making my score go down. Its never been fixed. My credit card payments is still sitting from 3-4 months ago. I spoke with my credit card companies and they all say there is no late payments on my credit cards. I have statements that says there are no late payments from the last three months now. I just got a report from Transunion saying there was a late payment so my score drop, that is incorrect information. My score would be a XXXX then itll drop to a XXXX then for them to fix something it still wont go back up to what it wouldve supposed to have been when it was a XXXX. And there was a error on the report that made my scores drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 10 days to provide me with the name of the person spoken to, documentations used, signed applications with consumer wet ink signature. consumer is NOT asking for an e-oscar report. if EQUIFAX does not have documentation to show there were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX commission file XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  New York XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumers account. EQUFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to resolve and on going issue as it seems to not be given the according attention to finally resolve it. I have written in numerous times and will have to take this up with the better business bureau and FTC as it’s not being corrected . XXXX has failed to remove an account who the original creditor XXXX agreed to have it deleted but XXXX has NOT YET taken immediate action. I need this account removed from all three major credit reporting agencies as the investigation XXXX  conducted stated they would.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I responded to an email to the number posted at the bottom of a payment they said I owed to PAYPAL. I was on the phone over an hour and they got {$600.00} out of me by bank account transfers in the amount of {$300.00} for each transaction, totaling {$600.00}. I can not believe I fell for the scam.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX XXXX, Nc XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX Subject : Dispute of Incorrect Information on My Credit Report Dear XXXX XXXX XXXX, Im writing to dispute incorrect information on my credit report. Specifically : Account Name/Number : XXXX you can find the account using XXXX Issue : This account contains inaccurate information that does not reflect my true credit history. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies and request a thorough investigation. 

Please investigate this matter and correct or remove the inaccurate information. My information was compromised doing a data breach Id appreciate confirmation once the issue is resolved. Ill give you five days to rectify the situation under section 6 0 5 B, or Ill be forced to pursue legal action for damages. Due to your negligence in adhering to compliance requirements, Ive been denied credit cards, auto loans, etc. 

Thank you for addressing this promptly. 

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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
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 under 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! 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account. {$540.00} past due as of XX/XX/XXXX.
Product: Vehicle loan or lease

I found myself in need of a car in XXXX of XXXX, I stated plainly to my dealership that I wanted to pay as little as possible for the vehicle as I did n't drive very much and that I didn't want any extras on the contract as I was capable of locating my own service. At this time I have been paying for the car for a year and have encountered numerous difficulties and frustrations while interacting with Americas Car Mart. While attempting re-finance today ; looking at the contracts which I was pressured to sign quickly because they were extremely short-staffed that day ( they remain short staffed as of 1 year later ), I see that I am enrolled for MANY extras including a service contract. 

Additionally, When I am behind by just 1 day ( payments expected each pay day, bi-weekly ) they begin to call me three times a day on my personal number. I recorded upwards of 35 instances of this. If you do not answer the phone they employ mob-like intimidation tactics including coming to your home to ask when you can pay. I have intentionally skipped a couple of payments to see how far their tactics will go and they began calling numbers provided as references during purchase process. They are doing exactly the same kind of business as XXXX was, taking advantage of disadvantaged and poorly educated buyers through the creation of false-stress. 

Further, I've been told by multiple re-finance companies that they can't help me with Americas Car-Mart specifically because they take steps to intentionally complicate the refi process. 

Buying a car does not have to be like this. It should not be like this. Car Mart is Not Consumer Friendly and I believe that they are breaking several consumer protection regulations. 

They're also manipulating XXXX review results. They solicit five stars for your agent and run that as a contest so your agent gets a small bonus. I uploaded a picture of how many calls I had received in a weeks time from carmart as part of a follow up review and the image has been removed from public view. thankfully it can still sort of be seen in my screenshot of the review.
Product: Credit reporting, credit repair services, or other personal consumer reports

TranUnion in many request has lyed to you in there response A CRIMINAL OFFENSE as well has I have information that there responses to be lyes as well they have be a part of comprimising my old email which I had to shut down loosing all my case log information PLEASE SEE ATTACHMENT TO THE CALIFORNIA ATTORNEY GENERAL OFFICE
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,20 17 i settled with a debt collection agency MIDLAND CREDIT for the amount {$650.00}. They stated to me they will remove this from my credit being th at i have no obligation anymore to this account. It has not been removed states charged off with derogatory marks which is really hurting my score. After being harrased by the company and force to sue me and i settled with them they DID NOT comply as they stated to me as removing the negative remarks