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

I've been paying off a loan with ( SST ) Systems Services Tech Inc ( this company took over XXXX XXXX XXXX XX/XX/2019 ( had a temp hardship XX/XX/2019 i called the company and they gave me an extension for a month to get back on track which I did ( I had to pay some sort of re-adjustment fee to do this and I payed this fee i was back on track {$120.00} each month but then i started to get treating letters to pay the account in full all at once I called their customer service and they had no record of the adjusted fee i payed ( but then they found it when i asked to speak to a manger then they asked for a second fee because they said that my account needed to be brought back up to date because of the last information not bein in the system i paid another fee after two or three months of paying every month on time through my XXXX Bill Pay i started to receive threating phone call from this company several times a day my home phone and cell phone I finally called them and requested that phone calls stop or i would be filing a complaint against the company they requested a late fee I refused and told them that I will continue to pay my bill each month as I was doing through my bank until this loan was paid off Now I'm getting the demand payments in full letters each month and they have been reporting my account to all three credit bureaus and late and not paid this is not true and it's not fair times are very difficult but i pay all my bills every month through my bank this can be checked i did speak to someone at the company but they have just blown me off how could this company do this this is not justified at all so i looked into this company with the XXXX and found that i was not the only consumer that they have ripped off and treated unfair, who regulates these take over companies when another goes out of business ( XXXX was a company that help military families when they may be going through a little hardship, that's how i got involved with this, but now the takeover company SST is rea ; ; y taking advantage of this situation ( What can CFPB do to help? Thank You.
Product: Money transfer, virtual currency, or money service

I have a Venmo account with a balance of {$2200.00}. On XX/XX/XXXX Venmo froze my account and asked me to send in a picture of my photo ID. I uploaded a copy of my valid drivers license. After uploading my license Venmo emailed me to tell me they are closing my account and holding my funds for 180 days. All of the accounts linked to my Venmo are in my name. There have been no chargebacks, disputes, or refund requests ever made against my account. Venmo arbitrarily decided to close my account and freeze my funds. I have bills due and need access to my funds that Venmo is holding.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXX/XX/XXXXXXXX Balance Owed : {$12000.00} ; XX/XX/XXXX XXXX Balance Owed : {$35000.00} ; XX/XX/XXXX Balance Owed : {$100000.00} ; XXXX XXXX Balance XXXX : {$8700.00} ;XX/XX/XXXXBalance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$8700.00} ; XX/XX/XXXXXXXX Balance Owed : {$910.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, LexisNexis, XXXX, XXXX, XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 6802. According to 15 U.S.C 6802 ( b ) ( B ), I was never given the opportunity to opt-out from having my personal information reported to third parties. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am Attaching identity and proof of address!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/20 regarding inaccurate and unknown things on my credit report. To this day, over 70 days later, I have not received a response yet for all my disputes on incorrect items. I know this is not right, and I feel like my disputes are being put on a back burner. I am following up with the CFPB because I feel like I'm being taken advantage of. Section 611 ( a ) states that the credit bureaus ' failure to investigate all of my listed items within 30 days gives a reason to immediately remove those items from my credit report, but it has been over 70 days so they should be deleted promptly. I demand all of these accounts be deleted immediately or I WILL FILE FOR LITIGATION due to the stress and pain you have caused me. I also noticed that there are major errors on my report due to my information being impacted by the XXXX  data breach. It is obvious that people have been applying for things in my name. Not fun!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I had an account with XXXX XXXX XXXX in which I cancel the policy. Before canceling the policy I open a policy with another carrier. Ive made several attempts to inform XXXX but it was ignored. I contacted the XXXX XXXX XXXX and finally, the policy was canceled and a refunded check was sent to me. 

After receiving the refund from XXXX XXXX I asked for the calls from Credit Collection Service to be stopped as well as for the negative information to be removed from my credit report. Credit Collection Service as well as XXXX XXXX XXXX has again ignored my request. I am asking CFPB to please assist in getting this negative information removed from my credit report and stop the calls.
Product: Debt collection

I unknowingly, and mistakenly got charged {$780.00} from the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX.I found out when a woman from XXXX XXXX XXXX called & told me.I told her I was in that XXXX & gave XXXX  to a XXXX  I regrettably gave up for XXXX.The bill was for the babies care, I was already discharged, so the adoptive parents were responsible for the bill, and if they couldnt get in contact with them, the baby had XXXX when she was born because I qualified for it due to XXXX.I gave her 2 different parties responsible for that bill, and I wasnt 1 of them. I  thought it was over, I provided her with enough information to take me out of the process.She ended up calling harassing me every single day, then I started getting calls from a man.He threatened me & said The XXXX XXXX County Sheriffs were on their way to my house to arrest me for some kind of legal judgment signed by a judge, Something to that effect, if not exact words. When that didnt pan out, a week later I got another call from him, yelling, and swearing at me.Here I am,5yrs later, still dealing with them.The same exact {$780.00} bill was put on my credit report, with the same exact account number blatantly listed right on it 7 different times.Ive been fighting this for 2yrs. since the day I noticed it, and was just defeated by them again! I disputed it on XXXX  and their fix was to take 3 duplicates off & make 1 a lower amount of {$400.00}, and left 3 there.I just read the paragraph below this.You can publish this, but I dont know if anybody can learn anything from this, except to keep monitoring your credit report because God only knows how long these 7 charges that arent even mine were there.I just started learning about how to start fixing it. People are very nasty, and they will try and get away with whatever you allow.
Product: Credit card or prepaid card

On XX/XX/2022, I made multiple payment to Capital one bank for my credit card account. 

On XX/XX/2022, I made a payment to capital one for my credit card account. 

On XX/XX/2022, The payment was posted and received by capital one bank. 

On XX/XX/2022, I find out my available credit didnt update to my account so I made phone call to capital one, asking whats going on, the answer I get from the bank is because I made many payment to my account on XXXX, so the bank will hold my available credit until XX/XX/2022, which over a month, even the bank has received my payment. And no one can answer why and whats the reason for that, because thats over billing cycle, its like a punishment for I make multiple payment within 1 months and froze My account.
Product: Student loan

There is an unexplained {$470.00} charged that has no basis.
Product: Credit card

Hi, I have a problem with my PNC Bank credit card. Ive been paying at the same way online for years and then all of a sudden when I go to click on the make payment, it looks like it goes through, but it doesnt and then this gives them the chance to charge me a late for you and I dont know how many late fees they charge me because of this and I have to call to make a payment every single month and this is the only credit card I have to do this without 17 cards And the only one I ever get a payment from I think they do this on purpose to generate fees and Im tired of it. I paid off the entire balance today because Im tired of them giving me late and Im just not using the card anymore, but I think this is fraud on their part and they need to be held accountable. They admitted fault previously and then reverse the late charge but now theyre not doing it this time and I am just finished with them
Product: Credit reporting or other personal consumer reports

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), XXXX, Equifax and XXXX must authenticate these accounts. ( A ). Treating these reporting accounts as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look at the following unverified accounts : XXXXXXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Mortgage

I bought a XXXX condo in XXXX. First mortgage {$140000.00}, 8.25 % from XXXX, 2nd mortgage XXXX, 13.35 % From XXXX in XXXX. I had XXXX small children and our apartment was converting to condo and out of my price range. My credit at the time was fair. I had been living in the US Virgin Islands for 7 years. Within months of buying the place, the financial crisis occurred and BOTH lenders were out of business. My 1st mortgage went to XXXX ( XXXX ) and lowered to 3.75. Thank you. My second loan ended up on the desk of Franklin Credit Management Corp of XXXX XXXX NJ. I was current on both loans and remained that way until ... .. In XXXX or XXXX, Franklin calls me and says we are lowering your interest rate to 4 % for the next 12 months. Why ... I asked myself. I was not behind on my loan.. What happens after 12 months? They said, We'll extend it for another 12 months ... ... ..that never happened. After 12 months, they called me said, OK now we go back to 13.35 % ... ... and I said No ... ... I told them I did not want the home for free but I would like a FAIR interest rate ... ... .they took my financial information over the phone, turned me down for loan modification on the call and I believed I was being taken advantage of ... ... .I believe they lowered my interest rate to 4 % because there were being audited and interested in getting my 13.35 % loan off their books. After the audit, business as usual, back to 13.35 %. I am digging to find proof of that audit ... .If that fact is true, they lied to me AND to the auditors of the Federal Government ( or State, I am not sure ). Long story short, I have not paid them a dime since the day they refused to consider a loan modification, asking for financials over the phone and making a decision without a written application appears to me haphazard and unprofessional.. The conversation is on a recording in their log. THEY were the one 's recording the call for quality assurance. I was current on BOTH loans at this point. 
I believe both my original loans in XXXX were excessive, however, I signed with the intent to refinance after 12 months. I was not the cause of the financial crisis but XXXX and XXXX, and continuing Franklin Credit, were playing the game. XXXX immediately lowered my 1st mortgage rate voluntarily, and my second mortgage servicer, Franklin Credit Management Corp, should either return all funds paid to them by me under a predatory original 2nd loan bought from XXXX, be forced to modify my loan, and/or move to drop the foreclosure matter. The investors of my 2nd mortgage are XXXX and XXXX. I have never done business with them directly. Their names are on the foreclosure papers. 
I would appreciate any help or guidance you can afford me in this matter. I am fighting for my home and protection of my family. Also, my 2nd mortgage loan is not on my credit report.
Product: Debt collection

I recieved notification from a collection company for a retail ( Walmart ) account that I did open, apparently it says it was opened in XX/XX/XXXX, I DID NOT open any new account with Walmart. In XXXX of XXXX I enrolled in a debt relief program XXXX   XXXX  and 7 accounts were enrolled at this time, i ended up paying off one ( XXXX ) in XX/XX/XXXX, which left 6 remaining accounts, 1 which was a Walmart account, different account number, opened years ago. My credit report showed a collection for ANOTHER 2nd Walmart account that does not being too me, I've never paid to a second account, I have Walmart statements from MY account and the account number is not the same, my account # is XXXX balance of {$1700.00}, I did not open a second account which I believe this is a fraudulent account/identity theft. At no time did I open a 2nd Walmart account. I put a dispute in with XXXX  and the collection agency, even the told me that is very unusual to have two accounts for the same store. I expressed to them I did open that account. The balance is over {$2200.00} account # XXXX, which I did not charge or open any additional accounts with Walmart since enrolling in the debt relief program in XX/XX/XXXX. I've been working very hard to get my credit scores back on the up rise since. I will attach any documents I have pertaining to this but again this is not my account nor my debt. I am attaching the collection information as well as MY ONLY WALMART ACCOUNT I HAVE AND IT'S ACCOUNT NUMBER. Thank you, Please assist.
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute the inaccurate verification of an account on my credit report. The attached letters clearly show that the information being reported is incorrect. However, your agency continues to verify the inaccurate information as accurate without making the necessary corrections. 

This failure to address the inaccuracies is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, which mandates proper investigation and correction of disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Guys I am very upset. I honestly want to file a complaint against you the C.F.P.B. but I don't know how to do that. Should I complaint with the attorney general? Write a letter to the president? 

I filed two complaints hoping you would help me because I spent months trying to get Wells Fargo to remove an account they say is from 2014  but it's much older! when I ask for their proof they keep saying they will send it but they don't. Even when I go in person to the branch, or call them, or write them. Now you are doing it too!!! 

I keep getting your responses saying I didn't write this complaint or that you need more information from me but don't tell me how to give it to you. HOW AM I SUPPOSED TO GET IT TO YOU!!! And what more information do you need? Wells Fargo isn't giving me documents after numerous requests. That should be all the info you need. I also told you in my previous complaints that the loan was for something I acquired with my ex-wife. I got with my new wife in the summer of 2014 so I couldn't have obtained this loan in 2014 and I wouldn't have continued paying for it once I got with my new wife. Is this a conspiracy against me? Does Wells Fargo have you in their pocket book? DO I have to contact other companies against you? DO THE INVESTIGATION! 

By the way, I got someone to do a spell check and grammar check since you don't think this was me filing the complaint. I'm sorry if my poor grammar was beneath you. Maybe now you will accept this complaint and actually do something about it.
Product: Debt collection

On XX/XX/XXXX I financed a XXXX XXXX XXXX from XXXX FL XXXX XXXX XXXX XXXX XXXX. Authorized Reps from the finance department negotiated vehicle payments between Ally Bank and Myself. My original initial payment date was then XX/XX/XXXX. Due to Vehicle registration issues I returned to XXXX XXXX on XX/XX/XXXX, when authorized reps re-negotiated my vehicle payments between Ally Bank and Myself. I then was told and given documentation from authorized Rep for a new initial payment date of XX/XX/XXXX. I then proceeded to make monthly payments from the new date of XX/XX/XXXX. The system at Ally Bank only recognized the original initial payment date. After multiple phone calls and emails with Ally Bank customer service they ultimately tasked me with the responsibility of getting their authorized reps at XXXX XXXX to send in new paperwork. Even though I had already sent in my copy of the paperwork and informed them of previous attemps to do so. Ally Bank has refused to recognize my new payment date and charged me unfair late fees and improperly reported payments to credit bureaus. This is a violation of CFPA 1036 ( a ) 12 USC 5536 preventing service providers from committing or engaging in unfair deceptive or abusive acts or practices.
Product: Checking or savings account

Im traveling abroad and I don't have access and time to call my bank to open a fraud dispute. 
On XX/XX/XXXX I receive a message on my phone saying that my debit card was locked due suspicious activity. 
Then I checked my bank statement and there are several transactions that I never authorized, and checking my wallet I noticed my debit cars was missing. 
I need to report fraudulent transactions starting on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX until the last transactions posted on my account. 
Before that one the transactions posted are authorized. Attached goes each transactions marked with a circle, those are not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to Experian, XXXX, XXXX on the following dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning XXXX XXXX account & XXXX XXXX XXXX on my report that needed to be validated. I asked on all instances to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they had on file for the accounts listed. 



They did not remove the account after the 30 days however they removed XXXX from 1 bureau but then reinserted the account without providing any documentation validating the debt or any notification prior to reinsertion The XXXX XXXX XXXX account was updated to non charge off however no information was ever provided to validate. 

I have been XXXX  for 10 of the past 15 years of my life and have had my identity used while being XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Report I'm also unable to get my XXXX reportb. I have accounts with XXXX XXXX that's was paid off yet it's reporting a balance Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
Inaccurate addresses XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX and XXXX its listed twice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX XXXX XXXX XXXX XXXX XXXX Hard inquries/promotional I HAVE NEVER DONE BUSINESS WITH THEM TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I signed up for a new XXXX XXXX XXXX at the recommendation of the person in the bank branch. They told me about the great bonus rewards being offered if I spent at least {$7500.00} on the card in the first three months. Ive banked at Citi for many years and the branch is very familiar with me so I assumed they were telling me the truth. He told me the bonus more than offset the high annual fee. I signed up and spent the money on the card. When the bonus didnt show up in my account I called and was told I wasnt eligible because another card I had opened five years prior earned the same type of points, even though the card was discontinued and I dont have it anymore. So even though I paid the annual fee and spent the money on the card they wont give me the XXXX Citi points.