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

This complaint will serve as a follow-up to my earlier complaints dated XX/XX/XXXX, to make sure that the following items are thoroughly validated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Venmo ( a service of PayPal , Inc. ) is currently experiencing a " nationwide '' system error that prevents some users from accessing their funds and logging into the Venmo app or Venmo website. Users have not been notified about this outage which has been occurring since Monday XX/XX/XXXX, according to Venmo support agent XXXX. There is nothing the customer or Venmo support can do, and users are required to wait an indeterminate amount of time to access their funds while Venmo engineers continue to work on the issue. There is no ETA for the fix. 

I contacted support twice, first by email on XX/XX/29 and then by phone on XXXX. The email support agent took no action but said to wait and try again 24 hours later ( which I did to no avail ). I then emailed again but didn't receiving anything back. I then called on XXXX and talked to XXXX who said it's a known national outage, that there's nothing he or I can do, but to wait until development can fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under a ppen end consumer credit plan as late for XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

I am trying to get a modification on my loan and finished all three trial payments but when I called to see about getting the final modification they told me I was {$3000.00} behind and that it would be 90 days before I had an answer. I do n't know what to do now.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 : 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.

These accounts on my credit report I do not recognize. The following accounts are fraud accounts and need to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *
Product: Checking or savings account

i depoisted {$4000.00} into sallie mae XXXX about a year ago, now the total is around {$4200.00} and they have magically deleted my account and wont let me access the funds or the account I have reffernce codes from calling them XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently the XXXX XXXX is reporting two late payments XX/XX/XXXX and XX/XX/XXXX for 30 and 60 days past due. I was in a deferment and setting up a repayment plan with them and I have disputed this with them and the credit reporting agencies with no avail. I am trying to purchase a home and these false negative reports are hurting my chance at securing financing
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

I was initially contacted by this company in early XX/XX/2022. When I answered the phone, they did NOT identify themselves as a debt collector/collection agency ( CA ). They only proceeded to ask for identifying information, which I was not going to give because I've been a victim of fraud before. 

My understanding of the FDCPA, a company does NOT need identifying info to let someone know they are a debt collector. They only need identifying info to discuss the specifics of the account. I only found out they were a CA through a XXXX search and I've seen their unscrupulous practices documented by others through reviews, complaints and XXXX. 

I called them back ( on a recorded call because I live in a one party state ) and stated if they were a CA, that I disputed whatever account they're asking about ( because I owe nothing, but know it's a process ) and to not call me anymore. I stated that if they'd like to communicate further, to do so in writing. This company has proceeded to call back multiple times ( including today ) after my initial dispute, without sending anything to me as required by the FDCPA. The reps are extremely rude and simply hang up when you ask for the simplest info such as an address or fax number which is also another no, no. 

The business states incorrectly states they follow the law. I have them on recorded phone calls violating the FDCPA. A mini Miranda was NOT read when I was initially contacted and it most certainly does NOT require me to identify myself before disclosing you're a debt collector. They state that I can't believe what I read on the internet, so someone should tell the business that the FTC apparently has all of the statutes wrong on their .gov website. 

I believe it's 807. False or misleading representations and specifically : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is, XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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 as soon as possible!

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. 



1. XXXX XXXX XXXX XXXX ACCOUNT # XXXX Date opened XX/XX/XXXX Balance {$6500.00} 2. XXXX XXXX XXXX XXXX ACCOUNT # XXXX Date opened XX/XX/XXXX Balance {$3800.00} 3. XXXX XXXX - ACCOUNT # XXXX Date opened XX/XX/XXXX Balance {$1400.00} 4. XXXX XXXX XXXX ACCOUNT # XXXX Date opened XX/XX/XXXX Balance {$2700.00} Unauthorized Inquiries : 1. XXXX XXXX Inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My purpose for submitting this complaint today is because, in my attempt buy my first home, I have run into an unforeseeable issue with a debt collection company that has brought this prospect to a complete halt, and I believe has potentially infringed on the rights granted to me by the FCRA. 
Quite some time ago, XXXX of XXXX to be exact, I opened a secured credit card with XXXX XXXX. Unfortunately, not long after opening the account I was laid off from work and underwent a period of financial hardship ; and I could no longer keep up with the payments. I received a notice from XXXX  on XX/XX/XXXX informing me that my account was charged off and owing in the amount of {$890.00}. At that time I simply couldnt afford to pay that amount. I later received a letter on XX/XX/XXXX from NCB Management Services Incorporated, stating that they were collecting the {$890.00} debt on behalf of XXXX, and I decided to just go forth and pay it as I was beginning to look into purchasing my first home, as well as possibly financing other endeavors, and could no longer afford for there to be this stain on my credit record. Arrangements were made with NCB to settle/resolve the debt, and to my knowledge, that was that. 
I spent the next year or so saving money for a down payment and preparing myself for the new financial venture that is purchasing your first home. So, when I recently went to go apply for a mortgage, I was baffled when the loan officer reported back that I would have to pay that same very debt to XXXX  in order to get approved. I went back to the NCB website, the collection agency to whom I made the payment, and found my account with a {$0.00} balance. I went forth and filed a dispute with all three credit bureaus. This only resulted in the past due balance being updated to a more recent month on my credit report and having an even worse impact on my score than it had before. This debt is now past the statue of limitations for Pennsylvania ( 4 years from the date of last payment, reported as XX/XX/XXXX ) but is somehow still actively hindering my ability to buy a home for my family to this very day. I searched NCB on the BBB and found similar consumer complaints. It appears they may have a history of not forwarding payments back to the original creditors they are servicing the debt on behalf of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX {$950.00} PORTFOLIO RECOV ASSOC ACCOUNT : XXXX XX/XX/XXXX {$690.00} XXXX XXXX XX/XX/XXXX {$800.00} 15 U.S.C. 1681 ( 1 ) 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.

15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

On XXXX at approximately XXXX i called into Wells Fargo to make a payment. I tried to make a payment on their website but they limit the amount you can pay on the website to under {$5000.00}. On my call i was told they will not accept a payment higher than that amount unless the loan is paid in full. That cant be legal or in compliance with my loan terms to not allow early principal repayment in the arbitrary amount of over {$5000.00} but less than the full payoff amount. They are calling it their policy but are breaking their loan terms effectively charging prepayment penalties because if i have to pay it off more slowly in smaller chunks i will get charged more interest in doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 inquires on my credit report that I did not approve. 

XXXX XXXX, XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX
Product: Debt collection

I received a call from number XXXX. I answered the call and the automated voice said if I was who I was to press one. I pressed one and was connected to a person who asked if I was someone named XXXX XXXX or XXXX, I could n't tell. I gave them my correct address and they pulled up my file and stated theyre were esser, james, and associates and that they were giving notice that I was going to be sued for credit card fraud. I asked why and they stated that I had a XXXX chevy Malibu and a chevy equinox, as well as a mortgage in my name and said I 'm able to repay the debt and have not. I told them I have none of these things and want to dispute. They told me they were unable to dispute and were going to sue me no matter what unless I arranged payment. They said they would put a lien on the house and vehicles. I told them I could n't pay and told them these were not mine. I told them the vehicles my husband and I have as well as the amount of credit cards. They said it did not matter and there was nothing I could do. I agreed to pay, even though I know I could n't pay because I was terrified. After the call, I called a debt collector I 'm currently making payments to ask them if that sounded right. They looked up the information these people gave me and found that they are confusing my mother and me, which is what I thought and I told the company. My mother is XXXX XXXX and I 'm XXXX XXXX. if they would have looked that the birthday they would see those things are associated with a woman born on XX/XX/XXXX not myself born XX/XX/XXXX. In essence, esser, james, and associates are threatening to put a lien and sue me for my parents house and vehicles, which I am not involved in nor are they co-signed on any of my loans or cards. Once I realized something was not right I did research and found multiple reviews on this company that they have done the same thing to others as they did me. Now I 'm getting emails, which I will attach, every day telling me to sign a document, which I am not doing until I get ahold of the original debt holder and tell them about this as well as ask for verification because I feel the 3 payments of XXXX dollars they requested is n't even the correct amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to talk about the problem of an account that was mistakenly confirmed to be accurate on my credit report. No changes have been made, and the inaccurate data is still included in my report even after I submitted the papers that demonstrate the information is inaccurate.

This inaction is a violation of 15 U.S.C. Section 1681i of the Fair Credit Reporting Act ( FCRA ), which requires you to remove or rectify erroneous information following a thorough investigation. I'm asking you to look into this again right away and either fix the information or take it off of my report.
Product: Credit reporting or other personal consumer reports

I trust this communication finds you with a sense of urgency commensurate with the gravity of the matter at hand. I am XXXX XXXX, and I am writing to you with profound distress regarding alarming inaccuracies entrenched in my credit report. I have recently submitted a formal complaint to Equifax, a prominent consumer reporting agency, detailing the egregious discrepancies provided below 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  These inaccuracies not only cast a dark shadow over my financial stability, particularly in my pursuit of securing a home loan, but they also represent a blatant violation of my rights safeguarded by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681C-2 ( A ) and 15 USC 1681b ( 2 ).

Allow me to underscore the critical legal provisions anchoring my dispute : 15 USC 1681C-2 ( A ) : This section expressly mandates consumer reporting agencies to conduct a meticulous reinvestigation of disputed information within 30 days of receiving notice.

15 USC 1681b ( 2 ) : This provision restricts the disclosure of consumer reports without the consumer 's consent and establishes the legal foundation for my expectation of accurate and verified information in my credit report.

The persistent existence of these inaccuracies, in stark violation of the FCRA timelines, constitutes a direct infringement of my consumer rights. I want to bring to your attention the Metro 2 compliance standards, which mandate accurate and timely reporting of consumer credit information. The blatant disregard for Metro 2 compliance in this case further intensifies the severity of the situation.

I have explicitly demanded Equifax rectify these inaccuracies within a four-day timeframe, as mandated by the FCRA and Metro 2 compliance standards. Failure to adhere to these guidelines will be considered a severe violation of federal law, encompassing identity theft and fraud. I am compelled to seek your immediate intervention to ensure Equifax takes swift and decisive corrective measures.