23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am registering a new case because my previous case was closed and I still have some follow-up action items for the business against whom I had filed a complaint. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Complaint # XXXX STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I would like to add the following comments to the case : As per the response from the Chase Bank, they store customer call recordings for 30 days after the telephonic conversation. If I made a stop payment over the phone on XX/XX/XXXX and they processed the stop payment on XX/XX/XXXX, they should have the telephonic recordings with them until XX/XX/XXXX. 

I filed a complaint at the XXXX Chase Branch location on XX/XX/XXXX ( response and claim number attached below ), and on that date the branch confirmed it was an error on their part. 

Given that I had already started to register a complaint when they had the audio recording, they should have saved the audio recording but unfortunately, they let time pass by and now they dont have the recording anymore. 

I did mention my Full Name, Debit Card Number, Birth Date for verification on the phone, also verified the amount and who the Check # XXXX was addressed to. I did also mention which account the check should be issued from. 

This is a clear mistake on Chase Bank 's part but they refuse to acknowledge. I am disappointed in the way they operate and do business. 

Below is a Notice from Chase Bank that I received for a complaint filed on XX/XX/2019 from a Chase Bank branch location ( XXXX, WA ) before I filed another one from XXXX on XX/XX/XXXX. Their response clearly states it was a mistake on their part. Yet, I have not received my money back. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Date of Inquiry : XX/XX/2019 Claim Number : XXXX Card ending in : Account ending in : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear XXXX XXXX, Thank you for contacting us about the transaction ( s ) on your account. We researched the transaction ( s ) you reported and agree they were incorrect. We approved your claim and it is now closed. The temporary credit ( s ) we placed on your account is now permanent and includes any applicable fees and interest. 

If you have questions, please call us at XXXX XXXX. We're available anytime. Sincerely, Customer Claims Department Enclosure
Product: Money transfer, virtual currency, or money service

This complaint is for VENMO the digital money sending app. 

They permanently disabled my account on XX/XX/XXXX. 

I have had email correspondence with them over a few days and 5 emails.

They refuse to give me ANY REASON why my account was disabled and they refuse to help me reinstate it. They said it violated their algorithm.

I have NEVER used their app to do anything except send money back and forth with my friends like the other 1 billion people around the world do. Not only is it totally unfair they just disabled me but to not tell me why or give me any reasons or notifications or be clear on what could have caused this is crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent out letters to the credit bureaus of XXXX, TransUnion, and XXXX certified mail. Neither agency responded with a return receipt of my letters of the inaccurate information. I gave them the benefit of the doubt and waited again until XX/XX/2022 and repeated the same process with sending certified letters. Again, there was no return receipt of acceptance to look into the inaccurate information being reported. Recently again on XX/XX/2022 I sent out the letters again, this time by regular postage and it is now XX/XX/2022, past the 30 day. This time I have decided to take further action to express that my rights have been violated according to the following laws : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692C : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

The creditor is in violation of Section 623 ( a ) ( 5 ) of FCRA, States In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

Not only has there been inaccurate reporting on my credit report, I have never given any written permission to contact me or report to the credit bureaus. I have also been receiving calls from phantom phone numbers disguising the company 's real phone number. These phantom phone numbers show up as local numbers in order trick you into answering your phone.
Product: Credit reporting or other personal consumer reports

You are in violation of the law! 

As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C XXXX 1692g, you are not allowed to propagate misleading information. XXXX XXXX is knowingly making false and misleading statements about my student loan debt. 

As per the XXXX Emergency Relief and Student Loan guidance from the Department of Education XXXX XXXX Department of Education XXXX XXXX are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. XXXX ) and invocation of the Higher Education Relief Opportunities for Students Act of XXXX ( HEROES XXXX ). Based on these acts the Department of Education put for the following policies : Accrual of interest on ED-held student loans and certain non-ED-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. 
ED-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for XXXX XXXX XXXX XXXX ( XXXX ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the XXXX voluntary payments required for individuals to rehabilitate their defaulted loans. 
Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on ED-held student loans for XX/XX/XXXX, through XX/XX/XXXX. 
Multiple rules related to the 120 monthly payments required to qualify for XXXX were waived. 
A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the XXXX plan maximum repayment XXXX for any months in which they were in repayment status and for specified periods of deferment or forbearance. 

My Navient student loans were owned by the Department of Education ( proven by the Department of Education XXXX approval ). As per court order ( CFPB vs XXXX XXXX ) XXXX has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. XXXX is no longer responding to my verification requests. 

XXXX is still responsible for removing incorrect and inaccurate reporting information on my credit report, in accordance with federal law and the FDCPA. 

As per XXXX XXXX and XXXX XXXX any and all XXXX late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. Any and All late payment information from that time period needs to be removed immediately.
Product: Student loan

Fedloan is reporting inaccurate late payments. These late payments have done tremendous harm to my ability to buy a new home. I am terrible distraught. The accounts are : FED LOAN SERV. Account Number : XXXX. FEDLOAN Account Number : XXXX These erroneous errors are in violation of 15 usc 1681a ( 2 ) ( A ) Transactional history should excluded from my consumer report.

15 usc 1666 ( 2 ) ( B ) These alleged late payments are due to billing errors
Product: Checking or savings account

We initiated a Wire Transfer through their Online System Their Online System required us to Enter the Account and Wire Info Twice to Confirm Since we entered Twice and we confirmed the Information - We were Confident it was correct. 

We received a Phone call from the Bank - that they wanted us to Verbally Confirm it again - We asked why, their Response is because they Manually type it and they want to make sure they type it right. We were Driving at the time and did not have the information with us ... .. We assured them since their system Required us to Input it twice - that we were confident that the information we provided was accurate. That if they were going to input the number incorrectly from us typing it, what would stop them to input incorrectly if we verbally give it a third time. That the reason we chose to pay a {$25.00} fee and do the wire transfer is that the money was needed immediately in the other account. They Refused to do the Transfer and instead transferred us to a " Customer Advocate '' at which she did nothing but immediately transfer us to a Customer Service Manager - at which time our call was disconnected during the Transfer ... ..

The above info - is more the background of why they could not do the Transfer. It is their Policy even though it does not make sense. But because this is their policy - We will be closing our accounts - Business and Personal and moving them to a Local bank. 

Where our problem is - Even though they refused to do the Transfer - They Deducted the {$2500.00} from our Balance and the {$25.00} Fee - So we have had No Access to the Funds ... .. And technically they have taken our money! 

We want XXXX XXXXCapital One - to immediately return the {$2500.00} to our account!!
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these account are authorized user I did not authorize also account that where open fraudulently
Product: Credit card or prepaid card

I have a problem with this company ( Upgrade credit card-XXXX XXXX Bank XXXX reporting that I have an open-ended revolving line of credit ; and yet they will not allow me to use my availability. Per CFPB is this even illegal? It should be reporting to the bureaus accordingly. I am not over my limit, I have not missed a payment, and when I wrote a correspondence asking when theyd review my card not working they stated they will not and it will stay locked forever. As in, I can never access the supposed open-ended availability. But yet are reporting opposite to all 3 bureaus? 

So theyre reporting an open ended LOC on a revolving account yet - I cant access the funds. Sounds like illegal reporting to me. If Im not allowed to use the card there should have been a note that it would be closed with NO availability. Instead theyre illegally reporting and I do not have access to the funds. Today was the most recent date of reading out to them. XXXX. Thanks for your help.
Product: Debt collection

I received a phone call from Alltran Financial alleging I owe them an auto debt. I do not know who this company is, I 've never heard of them and have done no business with them. I 've also received no information in the mail regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection company and XXXXXXXX XXXX XXXX I do not owe this debt and uploaded a letter from the supposedly creditor showing {$0.00} balance Unsure how a collection company says I owe something their original creditor notes I dont
Product: Credit card or prepaid card

I applied a for credit limit increase two weeks ago for my capital one venture credit card and I was denied a credit limit increase because my monthly payments are too low. I never made late payments.
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of XXXXXXXX XXXX XXXX XXXXXXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the collector itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 

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

XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. In addition, report other accounts that are not being reported by Experian but are in fact being reported by XXXX  and XXXX XXXX. 
Please update the following information on my credit profile with your company : Name : XXXX XXXX XXXX ; XXXX XXXX or XXXX XXXX XXXX Physical Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, GA XXXX or ( USPS-RECOGNIZED ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, GA XXXX Mailing Address : XXXXXXXX XXXX XXXX XXXX, GA XXXX Telephone Number : XXXX Employment : XXXX XXXX, XXXX ( XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX ) Managing Member for both. 
I am an authorized user on two credit cards that I have been using and are being reported to XXXX XXXX and XXXX. Can you add these credit cards to my credit profile account? 
1. XXXX XXXX ( XXXX XXXX XXXX XXXX Exp. Date : XX/XX/XXXX ) Authorized since XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Exp. Date : XX/XX/XXXX ) Authorized since XXXX. 
Please remove all other addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. Please add the two credit cards listed above. They can easily be verified by contacting XXXXXXXX XXXX and I have accompanied a letter from XXXX XXXX XXXX XXXX confirming my signature authority and authorize usage of above credit card. 
While checking my most recent credit report in your system, I noticed credit inquiries that I did not authorize, made by the following companies : Inquires : 1. ) XXXX XXXX XX/XX/XXXX 2. ) XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report or any consumer report held by your company. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. 
Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a profoundly serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Checking or savings account

XXXX, We received your Checking Account application, but we cant approve it right now. This decision was based on a number of factors, including a report from XXXX XXXX XXXX, a consumer reporting agency. Their report is like a credit report, but looks at your deposit account history rather than your history with loans ( like credit cards or mortgages ). This report was pulled on XX/XX/XXXX. 

We declined your application because your XXXX XXXX XXXX score is XXXX ( on a scale of XXXX ), which we consider to be a higher risk score. According to XXXX XXXX, these are the major factors impacting your score : The number of different banks inquiring during the last XXXX years Number of inquiries during the last XXXX days Our decision was based in whole or in part on information obtained from XXXX XXXX, a consumer reporting agency. XXXX XXXX did not make the decision to decline your application and is unable to provide the specific reasons about why it was declined. 

If you have questions about the XXXX XXXX report, you can get a free copy of it within the next XXXX  days. If theres a mistake on the report, you can dispute it with them. 

XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Phone : XXXX Website : XXXX XXXX XXXX I'm sure my identity has been stolen, I've been out of the XXXX. I have lived in XXXX for work reasons since XXXX, I just returned in XX/XX/XXXX, and I find that someone has been using my identity doing improper things, so I can not open accounts in any bank. I can prove that I've been out of the XXXX all this time.
Product: Debt collection

I paid them back in XXXX in the amount of {$200.00}. om XX/XX/XXXX and then a payment XXXX XXXX after that I have not heard from them, then anther company called to try and collect on that same account and I told them I paid Diversified and Im not paying anyone else no more money on this account. so I have not heard from no one else since then. Then I pulled my credit as I do every year and Noticed that Diversified was reporting on my account in XXXX again after being deleted in XXXX. So I too action to dispute this account with all 3 credit bureaus one bureau has taken action however XXXX and XXXX I have been battling with them for 7 months with this. one account As well as sending a letter to DCI. get a letter from them that they no longer handle the account that it was returned to XXXX. after talking with sprint they have no knowledge of it, however I noticed that the agency Reference number changed. But its the exact same account the reference number they sent to the letter that they no longer handle account is the old account that I had paid them for now they trying to collect on same account with a different Reference number. 
They are trying to get paid off same account twice and Im a single mother living pay check to pay check trying to fix my credit and this company has made it a job stressing me out raising my XXXX XXXX the more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my equifax, XXXX  and XXXX  there is an employment with XXXX XXXX which was also on the same day where a lot of hard inquiries happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not removed XXXX  collections from XXXX XXXX. I have also disputed numerous accounts and the information never gets corrected. My credit score has been XXXX for quite a while. The reporting from XXXX and XXXX XXXX XXXX are erroneous.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. RADIUS XXXX XXXX  Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 


The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX  Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Mortgage

The issue is with the settlement company not the lender. 

I closed on a loan on XX/XX/21 ( refinance ). The week of closing the settlement company increased the prepaid tax amount to {$7100.00} from {$5900.00} for my first half taxes. This was an arbitray increase of exactly 20 %, presumably to cover any increase in tax liability for that term. That was fine. 

On XX/XX/21 the settlment company made payment to my town for the amount of {$6000.00}. I confirmed with the town there was no overpayment. The settlement company should have returned the excess ( {$1000.00} ) paid. This amount has gone missing, it has not been deposited to escrow, sent to the town or back to me. 

I have contacted the settlement company Equity Settlement Services ( full info below ) multiple times, leaving multiple messages over the course of weeks and have not received any response. 

Equity Settlement Services XXXX XXXX  XXXX XXXX, NY XXXX XXXX ( main ) XXXX ( funding dept ) Regards, XXXX XXXX XXXX XXXX XXXX. 
XXXX, NH XXXX
Product: Debt collection

I had a vehicle repossessed in XXXX, it was included in a XXXX XXXX XXXX XXXXXXXX which was finalized in XXXX. I have asked, and then told them to quit calling me and now they are calling my ex wife and other family members. BHA collections agency, what a bunch of XXXX XXXX XXXX XXXX. They bought this debt from someone not knowing it was included in a BK but they won't leave us alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint for EXPERIAN. I believe that my information is being misused and reported as inaccurate. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of. I found late payments which never happened and accounts with inaccurate information, such as payment history, status,, balances, and date of last activity. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.