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

My ex and I used to use his Venmo account. We separated about a month ago. When we separated I decided to use my own Venmo account. My parents sent me $ XXXX to help my buy a car independent of my ex. When I tried to transfer the money from my parents to my own bank account ( with only my name on it ) Venmo said that that account was linked to someone elses. I immediately initiated a chat with Venmo customer service and told them I was having trouble and I suspected my ex was using my card. The support person said his account had nothing to do with my account, then promptly said actually his account was effecting mine. Then I proved my identity and that I am not him. I also verified my bank was solely mine, with bank statements. I also got my ex to call them and verify his own identity and they we are in fact two separate people. Venmo then lifes MY acct hold and TOLD ME to do a standard transfer with the bank account Id proven belonged solely to me. Apparently, initiating the transfer that THEY TOLD ME TO DO, caused my account to be frozen. They said it was bc it seemed my exs account was also mine and he owes them $ XXXX. My account had just under $ XXXX stuck in it. I offered to cover whatever he owes with my own funds since they claimed I was responsible for BOTH accounts, however, they then said I couldnt use my actual verified account to cover the other accounts debt. So they said both accounts are mine and therefore my responsibility, but I couldnt use my actual account to pay off the debt owed on the other since the other account isnt mine. Does that make any sense??? 
Also, this brings me to my next point Venmo lets people link bank accounts that DO NOT BELONG TO THEM. How crazy is it that my attempt to prevent fraud lead Venmo to literally steal my money. They are holding $ XXXX more than what they claim I owe hostage ( even tho its my exs debt ) and not even letting me resolve it. Theyve essentially found a clever way to steal $ XXXX from me. I grew up in foster car ( spent 16 years moving from placement to placement ). Im trying to untangle from a really unhealthy marriage and Venmo has decided to use it as an opportunity to steal from me instead. Im at a complete loss at what to do. Please help and make sure they dont continue to do this to people.
Product: Credit reporting or other personal consumer reports

There was an inquiry for a credit card done under my name on XX/XX/2023 through JP Morgan Chase that was not authorized by me.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally report fraudulent and inaccurate accounts that have been erroneously reported on my credit file by the major credit reporting XXXX, Experian, and XXXX. These accounts were opened fraudulently without my knowledge or consent, and I do not recognize or have any association with them. 

I contacted the creditors associated with these accounts more than 30 days ago to request copies of all contracts, signatures, and documentation they have regarding these accounts. Despite my repeated requests via phone, email, and mail, I have received no response. The credit reporting agencies have similarly failed to take appropriate action to investigate and resolve my disputes. This negligence violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Details of Fraudulent Accounts and Violations : The following accounts are fraudulent, contain discrepancies, or have been reported inaccurately without my consent : XXXX Account Number : XXXX Issues : Charged-off account with discrepancies in payment status, open dates, and lack of proper notification. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g XXXX XXXX Account Number : XXXX Issues : XXXX account with balance discrepancies, open date variations, and lack of validation. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g XXXX XXXX XXXX Account Number : XXXX Issues : High credit amount discrepancies, conflicting open dates, and failure to validate across bureaus. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g XXXX XXXX Account Number : XXXX Issues : Monthly payment discrepancies, differing open dates, and lack of proper validation. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g XXXX XXXX Account XXXX : XXXX Issues : Balance discrepancies, varying account details, and failure to validate. 
Violations : FCRA 607 ( b ), 611 ( a ) XXXX XXXX  Account Number : XXXX Issues : Charged-off account with discrepancies in high credit amount, open dates, and last reported dates. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1681g ( e ) Additional Issues : Unauthorized Credit Inquiries : Inquiries by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others were unauthorized and must be removed immediately. 
Incorrect Names and Addresses : Fraudulent names such as XXXX XXXX XXXX and incorrect addresses like XXXX XXXX XXXX XXXX, MI XXXX appearing on my reports.

Violations of Federal and State Laws : The credit bureaus have committed the following violations : FCRA 607 ( b ) : Failure to ensure maximum accuracy in reporting.

FCRA 611 ( a ) : Failure to investigate and resolve disputes within 30 days.

15 U.S.C. 1692g : Failure of creditors to validate debts within five days of reporting.

Gramm-Leach-Bliley Act : Failure to safeguard consumer data.

Michigan Compiled Laws 445.65 to 445.67 : Criminal identity theft violations.
Product: Credit reporting or other personal consumer reports

My account XXXX XXXX, which is on all 3 credit bureaus, XXXX, Transunion and XXXX has been reporting incorrectly and has incorrect information. Also according to these laws I please ask you to delete this collection from all three bureaus please. Ive highlighted a lot of incorrect information. this is supposed to fall of in 4 months anyways so please delete from all three.

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect information is also being reported on XXXX XXXX XXXX XXXX all bureaus. please remove all 8 late payments. in violation of laws below. Thanks!

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. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
( c ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or I kindly ask you to remove the is collection from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX late payments thanks!
Product: Debt collection

XXXX XXXX XXXX DOBXX/XX/XXXX SSN:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS XXXX LVNV FUNDING LLC XXXX {$750.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX {$750.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX DOBXX/XX/XXXX SSN:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Money transfers

I received my monthly TD bank statement and saw transactions that I did not recognize by what appeared on the statement as XXXX which I learned later from the bank that it was a payroll company called " XXXX '', XXXX of them were deposits of small amounts then a withdrawal of {$40000.00}. I contacted the bank immediately because this is an account I had saved for my pension and I never use it to make any transactions and it was shocking for me to lose this amount of money and I never authorized these transactions nor did I ever hear about this " XXXX '' before. The bank was not cooperative. I filed an ACH dispute on XX/XX/XXXX which the bank denied in a letter on XX/XX/XXXX claiming that I should contact the company that withdrew the money myself. After consulting a lawyer, I sent them another letter on XX/XX/XXXX regarding my lawful rights for the ACH dispute and unauthorized transfer explaining to them the laws of the EFTA and Reg E. They acknowledged receiving the letter and they said they will answer it. I gave them 10 days in my letter to answer me but it has been three weeks and I have not heard from them. They are now avoiding any attempts that I make to contact them. Since then I closed my account with them and opened a new one in a different bank because TD bank was obviously too vulnerable to a scam and yet would not acknowledge their mistake nor help me get my money back. 
I am attaching all necessary documents that supplement my problem and they have a better explanation of the situation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act FCRA, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the CFPA 12 U.S.C. 5536 ( a ) ( A ) ( 1 ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( 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, XXXX, Equifax 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 a XXXX, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$790.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$600.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$420.00}XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$210.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX 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 # ( 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: Credit card or prepaid card

This is an issue I am having with Applecard ( Goldman Sachs ) : 1. I was approved and issued a card on XX/XX/2019 2. I made 3 purchases between XX/XX/19 and XX/XX/19 totaling {$130.00} 3. I was notified ( via the app ) that my account was restricted on XX/XX/19. No explanation. I was no longer allowed to make any purchases 4. I have contacted Apple/Goldman Sachs many times over the last week with no resolution. They have indicated my account is under review and someone will call me.

5. On Monday, I spoke with a customer service representative and was told I would get a call within 48 hours and I have not.

6. I contacted Apple/Goldman Sachs today to cancel the card since they have not resolved the issue. They told me not only can they not resolve my issue today, that I can not even cancel the card since it is under review.

It seems to me ridiculous that I can not use the card or cancel the card.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that account ALLY FINCL ( XXXX ) shows late payment marks that are incorrect, as I have never missed any payments. I have disputed this matter several times, but the mark simply 'validated ' itself, and in none of their responses did they provide certified information confirming that I was in delinquency. For this reason, I am filing this complaint, as I believe the company is violating the relevant sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that should be removed because I do not recognize the creditors and I did not apply to receive a loan, credit card, or anything else with them. I recently have gotten an overload of spammy emails and phone calls about loans, winning cash prizes, etc. I also have reported with my credit card companies fraudulent charges on my accounts and have since gotten all new account and card numbers. 

On my XXXX credit report there are 3 inquiries that need to be removed : - XXXX XXXX XX/XX/XXXX ( have called them and keep getting put on hold - nothing resolved ) -SYNCB XXXX XX/XX/XXXX ( have not heard back, nothing resolved ) -XXXX XXXX XX/XX/XXXX ( I only applied for 1 car lease directly through the dealership... this is not the dealership. I have no idea what this is and it definitely was not authorized. ) On my XXXX credit report the following inquiries are fraudulent and should be removed : XXXX XXXX XXXX XX/XX/XXXX ( I have a vehicle I lease already. I definitely did not apply for an auto loan. This is fraudulent. Have not heard back from them. ) -XXXX XXXX XX/XX/XXXX XXXX This is a used auto dealer. I leased a new XXXX. No idea what this is. Can't get ahold of them. ) Lastly, XXXX XXXX keeps charging me late payments on my student loans when I have an extension for several more months now, legally in accordance with a federal bill signed. I have explained this to them and have asked them to stop reporting the account late because it's illegal and I made it known that my account should reflect my promise to pay, and that the late payments are being unnecessarily and falsely reported. No response. They have terrible ratings on the XXXX for similar instances with other individuals. I would like a letter of deletion from them to the bureaus, but no luck so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only phone number is XXXX XXXX. You have it deleted on my credit report. 
Also i am retired and you deleted that as well. 
I have been undergoing horrible identity theft since XX/XX/2014. 

They know my ss # everything Please fix the two things on my credit report.
Product: Checking or savings account

On XX/XX/XXXX, my account was frozen due to unknown reasons, when I called the first time right when i received the first email, they told me it was due to security purposes ( Im sure theres record of all my calls to them ).. I kept calling for weeks, a month passed and I called again and they told me they my spouse had made me a large deposit and they were trying to verify this info with the other bank, I spoke to one costumer representative and asked if a 3 way call could be performed with my husband to confirm that. This was a legit transaction, my spouse was not around at that time and could not do the call in that moment but I asked if when he arrived i could call back and do the call, that happened on the next day when I called they told me that could not be done and I just had to keep waiting. I agreed and said that I would wait. A weeks passed and no updates regarding the account, for my surprise, when I called again, asked for answers they told me my account was frozen because my ex employer was trying to get back my last payroll ( which he had no business doing ) and they were trying to revert the money, I already had a case open with my employer but I find it absurd that they were trying to commit fraud and MY BANK was letting them. That was on XXXX, I called, told them everything and they told me to open a police report, I did ( this should have nothing to do with them however when I did, i asked them if I could upload any proof, they told me no that I just have to wait.. weeks passed again, XXXX was almost gone and I called again, they told me my account was pending for closure, and that has been the story ever since. The main points for all of this are : 1 : The quantity of late fees and missed payments that I have had to pay due to my account freezing total more than XXXX. 
2 : The inaccuracy of NOT GIVING ME A CONSISTENT REASON of why my account is frozen is so unprofessional. This can be verified with the multiple calls that im sure they record.

3 : They turning my back to me as costumer and letting my employer commit fraud without even asking. It should violate the clients relationship agreement banks hold.They were the ones processing my payroll, I was long gone when that happened ( more than 2 weeks ) and they still were able to call and try to get my money. 
This has been happening for months, my funds are frozen, im in deeply need of them and I still have no answers on whats happening, I dont have a date of when my account will be closed and lastly, they could be giving away my money with no right. I need please help on this matter, this month turns 4 months since my account status has been the same. I please need help. Thank you
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 these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXXXXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* US DEPT EDXXXX XXXX
Product: Debt collection

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, TransUnion, and XXXX and have noted following discrepancies : XXXX XXXX XXXX Secured or personal loan Date acct open : XX/XX/XXXX {$990.00} XXXX XXXX date : XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX  an inquiry was made to my credit report and I was notified by XXXX. I responded it was not my account and they flagged it as suspicious. On XX/XX/XXXX  - 2 accounts were opened ; one in my name and one in my daughters name along with 2 additional names we do not know. On XX/XX/XXXX  I received 4 credit cards in the mail from Barclays and called them immediately to close the accounts. 

My daughter is married and does not live in the same state as me nor have the same last name yet the account was set up as her maiden name and at an address she has not lived at in 10 years.