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

In accordance with the Fair Credit Reporting act STATE DEPARTMENT FEDERAL account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX  XXXX account # XXXX and XXXX XXXX XXXX account # xxxxxx 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Accounts that were satisfied and arrangements were made are still showing negative on my credit report. .several attempts have been made to have them removed bit they still remain and when ever I contact the credit company that ca n't provide me with acurate information 7 XXXX XXXX XXXX student loans the show closed, delinquint that 's should be removed because arrangements were made and all were satisfied the acount number is XXXX XXXX XXXX XXXX opened 3 of them are shown on my credit report. .. 
There is also a hard Inquirie that should be removed from XXXX made on XX/XX/XXXX that I have no knowledge of and I did n't get any line of credit and I want it removed for that reason XXXX XXXX and loan XX/XX/XXXX arrangement was made and satisfied for the XXXX dollars Both XXXX XXXX charge off should not be on my report ...
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 a fraudulent {$700.00} payment was made from our Venmo account ( see email below ). 

( venmo You paid XXXX XXXX Deposit Transfer Date and Amount : XX/XX/202XXXX XXXX private- {$700.00} Like Comment Charged to your Visa credit card ending in XXXX, and will appear as " VENMO '' on your card 's billing statement. 

Click here for more information about funding your payments and fees. 

Payment ID : XXXX ) We did not initiate or authorize that payment, so within minutes we clicked on the transaction and reported fraud. We also called Venmo to report the fraud. The worker on the phone was very understanding and helpful and said their team would resolve the issue within 10 days. 

After 7 days we received an email saying that the case was resolved, but instead of removing the payment from our statement the case was denied. It said the payment was consistent with our payment history. I don't even know what that means, we did not initiate or authorize that payment from our phone or computers, to a person we do not know, and for an amount higher than we've ever spent ( see email below ). 

( Venmo Logo Hi, XXXX XXXX Your Venmo dispute case has been denied Original transaction ( s ) : Dispute Case ID XXXX Dispute amount {$700.00} USD Transaction amount {$700.00} USD Transaction ID XXXX Transaction Date XX/XX/2023 Payment sent to XXXX XXXX We received the case XXXX XXXX XXXX you filed on XX/XX/2023. We have reviewed this transaction XXXX XXXX XXXX and are denying your case XXXX XXXX XXXX  : Based on our review, we found this transaction is consistent with your payment history. 

If you'd like a copy of the documentation we used in the investigation of your claim, please email us at XXXX. Please include your name, the email address on your Venmo account, and the date you reported the claim. 

Thank you for your patience and cooperation. 

Please don't reply to this message. To get in touch with us, click Help & Contact. ) We tried to call to get an explanation on XX/XX/XXXX immediately after we received the email, but the operator said these cases can not be discussed over the phone, only through email. We sent an email on XX/XX/XXXX asking for documentation and an explanation, so we could appeal the decision, but did not receive a response. On XX/XX/XXXX we sent a follow up email, but again without any response. ( see emails below ) ( From : XXXX & XXXX XXXX XXXX Date : Thu, XX/XX/2023 at XXXX Subject : Re : Case resolved for your Venmo case XXXX XXXX XXXX XXXX It's been almost XXXX weeks since there was a fraudulent payment on our account and currently that charge is still on our account. We were told it would be resolved within 10 days. Please give us an update. 
Thank you, XXXX XXXX XXXX Fri, XX/XX/2023 at XXXX XXXX and XXXX XXXX wrote : We did not authorize this payment. Please send me the documentation. XXXX XXXX, XXXX. Thank you! ) Venmo somehow allows a third party to make a payment from someones account and then does not handle the situation in a timely manner, so please let me know what my next stet would be. Thank you!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit card

Bought Jewelry at XXXX XXXX XXXX with a promotion to buy the goods within 18 months interest free. This in XX/XX/year> and XX/XX/year>. Started on statements with no interests. 
Account number # XXXX Starting XX/XX/year> XXXX XXXX thru XXXX XXXX started to charge interest without notice for no reason. 
Either the employees are lying about the promotion or they dont know what they are doing. 
This is unacceptable and clear deception.
Product: Debt collection

Hi i have been wrongfully charged for an unknown debt from Discover bank which is in the amount of {$810.00} on the XXXX of XXXX through Mail I received. I have no connection with the said debt and would like to dispute it immediately. Also I request the company desist from sending me Mails or Emails or even Phone calls regarding the so-called debt which is wrongfully in my name. Thank You
Product: Debt collection

A company called " Credit Collection Services '' and " XXXX '' have sent another letter concerning a debt for XXXX XXXX XXXX of {$25.00} to XXXX XXXX XXXX who does not live at this address and also, is not even the correct middle name. The middle name is that of my mother who died over XXXX years ago. I have filed a complaint in the past for this same company and this is another continued attempt at fraud. I checked multiple website and every single site says the same thing " fraudulent. '' I contacted the company and spoke with a " XXXX XXXX ( not sure on spelling ) '' or " XXXX XXXX or XXXX '' she gave multiple names which made the call even more suspicious. I was intrigued by this and asked if she had any more aliases she went by. She stated no. I informed them I was filing a complaint. I also contacted XXXX and informed them of the situation providing them with the File Number and PIN number on the document.
Product: Credit card or prepaid card

On XX/XX/XXXX the stimulus payment was posted to an American Express Serve card as that was the option I selected through XXXX XXXX  for my tax return. I have been unable to access that money since as American Express has never sent me a card. When I was able to speak with someone they were unable and unwilling to overnight a card or provide any kind of tracking for a replacement. They simply said that I would have to wait and hope that the card comes. It has now been almost 1 month and I have still not received anything and it is now seemingly impossible to get a hold of anyone in their customer support department. In addition, my online access to the account has also been locked and I can not reset my credentials without any card details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the XXXX Collections third-party half of the balance owed to XXXX and I paid the remainder of the balance in full directly to XXXX back in XXXX 2017 and on all ( 3 ) Credit reports I am seeing Paid in Settlement when it should reflect a status of : Paid ; Closed!!!!!!!!!!!!!! I am seeking Assistance regarding this matter with getting XXXX, Equifax and XXXX to accurately reflect the account status o my Credit Reports!!!!
Product: Credit reporting or other personal consumer reports

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

I looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX, all of which are attached below to verify or delete a XXXX  XXXX bankruptcy. I received responses they do not believe it is me filing the disputes, and they have taken no action for investigation. Moreover, they are vague and refuse to supply their method of validation from the court with copies of the records.
Product: Debt collection

A fake letter from CitizensOne personal loans was dated XX/XX/21 and received XX/XX/21. It stated : We have not received your monthly payment of {$160.00} that was due XX/XX/21 on your Citizens One ^R account for ending in XXXX. 
To keep your account current please visit www.service.citizensone.com or call us at XXXX to make a payment or update your payment information. It goes on to suggest they may report to credit agencies. 
I tried to log into the site and tried repeated passwords of other accounts and my social security number to find my info. I have tried calling citizens one on the number on their site but can not reach a person without an account number that I dont have. This is the first action I have taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my personal details to XXXX in order to pre-qualify for a new vehicle purchase. This was required as XXXX does not openly disclose its rates but instead submits borrower 's information to lenders to match them with an offer. 

Per XXXX XXXX own FAQ ( XXXX ) : " During the application, we do a soft pull on your credit that will not negatively affect your credit score. Only when you choose an offer to submit for lender approval, does XXXX run a hard pull against your credit which may affect your credit score. '' I also received an email confirming the same : " We run the numbers and find you our best rates and terms, all without affecting your credit score. '' Both the FAQ and email confirmation are attached. 

Despite this, XXXX immediately performed a hard pull on my credit, negatively affecting my score.A representative from XXXX ( XXXX XXXX ) called to discuss my application. I asked why a hard pull was made and he answered that they do so before sending applicants ' information to lenders so I can be matched with the best offer available to me, rather than individual lenders having to run a large number of separate pulls. 

I reiterate : I did not choose an offer for lender approval, and per the FAQ and confirmation email, a hard pull should only have been made AFTER I did so. 

This is a deceptive practice which has harmed my credit rating.
Product: Credit card or prepaid card

My XXXX XXXX Account is closed at my request and the interest fees fluctuate and has increased which defeats the purpose of closing the account to pay it off and keep it closed once paid in full.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act PREMIER AUTO CREDIT 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information. I previously sent letters to Equifax and these companies about their credit reporting not being right. None of these companies provided anything that I asked for to validate these accounts.
Product: Credit card or prepaid card

I purchased furniture from the XXXXXXXX XXXX XXXX store in XXXXXXXX XXXX  I was offered 24 months free financing from their bank, Synchrony. We ended up returning a piece of furniture and replacing it with something else. In the end, I had XXXX interest free promotions on my account, XXXX for 24 months and XXXX for 6 months. The 6 month promotion had a starting balance of about {$1100.00}, so I paid synchrony {$200.00} / month to pay off the 6 month promotion in 6 months. I was recently hit with over {$250.00} in interest charges. When I called Synchrony, they said that my payments were being applied to both promotions, so I did not pay off the 6 month promotion. I was charged 30 % interest on the full balance from day XXXX ( over {$250.00} ). Synchrony was unempathetic and rude when I called. This was not made clear to me when I was offered the financing. The statements from Synchrony do not clearly state how this works. There is also no option to pay off the promotions separately. They are lumped together on the statement. This practice is deceitful and designed to mislead consumers. Additionally, while the interest rate may be allowed by law, 29.99 % is also obscenely high.
Product: Student loan

This to add to my Case number : XXXX When I applied for the all XXXX loans with XXXX/ Navient at the time. The Loans were called student signature loans. When signing these documents electronically the interest rate was not given nor did I know if it was variable or fixed rate. If you look at the application I gave plenty of time for the lender before I was to start college. The lender did not give the truth in lending or disclosures until two weeks after I was in college so that I could not withdraw from college because of a high interest rate. I would have not gone to college if I knew it was a 14.375 % the last year of college. 
Then Navient gave federal XXXX discharge paper work. When I was not eligible for this. Then put my on interest only payments knowing this would hurt me in the long run using my only option. Then when the interest only term was done. Navient made my term from a 15 year term to 5 year term. Which double my payment. Then they tried telling me that I could use forbearance if i could not make the payment making things much worse. There is also a {$50.00} fee for this as well. These were many different ways that this lender tried making me default on all three loans that I had with them. These are all forms of UDAAP violation. Then on XX/XX/2017 I requested all documents on my file with Navient which I have not received yet.
Product: Credit card

I called Barclays cc company on XX/XX/XXXX to request copies of my statements from XX/XX/XXXX to the present. The representative informed me that it would be no problem and that I would be receiving the statements in 7-10 business days via mail. I called XXXX on XX/XX/XXXX as I had not received them and informed them that it was time sensitive as I need to for court as part of a divorce on XX/XX/XXXX. The Call was escalated to management who informed me that there is no other method they can deliver the statements except snail mail. I asked if they can be faxed or Over nighted and they refused. It is now XX/XX/XXXX and I still have not received the statements
Product: Credit reporting, credit repair services, or other personal consumer reports

I was late on a child support payment in 1999. It is still being reported on my Trans Union credit report even though the " STATUTE OF LIMITATIONS '' is over. This should have been removed from my credit report nine years ago!. I have asked via mail that it be removed and they came back with a letter stating they had verified it's accuracy. Yes, it was accurate. However, it is a clear violation of the 7-10 year statute of eliminations.
Product: Credit reporting or other personal consumer reports

Currently, my credit report shows a discrepancy regarding my bankruptcy. TransUnion is reporting the bankruptcy on my credit history, while XXXX is not reporting it. 

This inconsistency suggests that the information provided by TransUnion may be inaccurate or incorrect. According to the Fair Credit Reporting Act ( FCRA - 15 U.S.C. 1681 ), the information in credit reports must be accurate, verifiable, and consistent across all credit bureaus. 

I requested that TransUnion verify this information, but I have not received a satisfactory response. Since XXXX is not reporting this bankruptcy, it demonstrates that the data may not be accurate. Therefore, I request that this information be immediately removed from my credit report, as its maintenance violates my rights under the FCRA. 

By failing to correct this error, TransUnion is in violation of FCRA ( 15 U.S.C. 1681i ( a ) ), which requires credit bureaus to investigate and remove inaccurate or unverifiable information within a reasonable time.
Product: Student loan

I XXXX from the University XXXX, XXXX in XXXX with a degree in XXXX ( which has among the highest starting salaries for XXXX. degrees ). I was able to find employment about XXXX months after XXXX. I have a family with XXXX young children and have been trying to manage supporting my family and comply with the payments for the debt I incurred during school. I have no financial wiggle room for unforeseen expenses, which believe it or not have come up. I am making every effort to be up front with my lender about my financial situation and appropriately address my inability to make payments at this time. This major lender has provided a single contact number to which I am funneled to deal with this issue, and their representatives are unwilling to work with me and are basically forcing me to default on my loans. This will negatively impact my credit as well as my cosigner 's credit, and will increase the capital amount on my loans through late fees that will be applied. I very much would like to be able to pay my debt, and am trying to manage the situation the best I can. I currently have no recourse with which to resolve this issue, as the lender refuse to provide me with any option other than to default on my payments.
Product: Credit reporting or other personal consumer reports

Certified mail was received on XX/XX/year>. I reviewed my consumer report and noticed eight late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability, with maximum accuracy. I have never been late on payments for the account. Account Type : Auto Loan Creditors Name : XXXX XXXX XXXX Account XXXX : XXXX Date of Late Payment : MayXX/XX/year>, XX/XX/year>, XX/XX/year> Please investigate and provide proof with statements showing those payments were late. If proof can not be provided, I demand these payments be updated to on time as they should be, as I was never late. Thank you.
Product: Credit card or prepaid card

I have made several purchases at the XXXX and charged it to my XXXX XXXX card by Goldman Sachs. I returned several items after I made several installments on them to Goldman Sachs but when I returned them Goldman Sachs did NOT issue a full refund on some of them. I have returned a XXXX XXXX watch XXXX  on XX/XX/2022 and I should have refunded back the XXXX dollars that I paid as a first installment but I did NOT. Then I returned an XXXX and I should have been refunded XXXX dollars which I did NOT. And also since I started using this card back in XX/XX/2022 Goldman Sachs has overcharged me several times and I opened several disputes which are still not resolved. Goldman Sachs still owes me XXXX dollars plus another XXXX dollars for a total of XXXX dollars which they should refund back to my XXXX XXXX  card. I am attaching screen shots where the installments made on the XXXX band and the XXXX should have been refunded but they are not