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

The Money Source became our new lender after processing through XXXX. On XX/XX/XXXX ( we received XX/XX/XXXX ), we received a Goodbye Letter with XXXX and The Money Source sharing the letter head indicating that XXXX XXXX XXXX purchased our newly refinanced mortgage from The Money Source ( XXXX ). XXXX, in the Goodbye Letter, did not accurate indicate our new mortgage account number and also inaccurately represented the due date of the new mortgage with our new mortgage company. I had to research the correct number with XXXX and ensure that our first payment with them was on time. 

During this process, The Money Source AND XXXX XXXX XXXX BOTH reported an active mortgage to XXXX, XXXX, and XXXX. We have ( my husband XXXX XXXX XXXX and I, XXXX XXXX XXXX ), in effect, a gross discrepancy, an egregious financial reporting error, of {$220000.00} in a mortgage which no longer exists, and a monthly payment which no longer exists. 

XXXX XXXX XXXX closed on the sale of our mortgage FROM The Money Source on XX/XX/2021. Today is XX/XX/2021. After filing disputes with all three credit reporting agencies, today we STILL have duplicate trade lines, and The Money Source, after at least 5 emails and phone calls, HAS NOT CORRECTED the mistake. I'm a small business which needs a lines of credit and working capital. My credit rating plunged 100 points because of this error. It has partially but not wholly recovered. It was WELL OVER XXXX points ; it remains from XXXX to XXXX. Unacceptable.
Product: Payday loan, title loan, personal loan, or advance loan

I settled a debt with XXXX XXXX XXXX and chose to make payments of {$100.00} each month on the last date. I made 3 payments and the balance on the loans still Say the same on my credit report.
Product: Checking or savings account

On XX/XX/19 @ XXXX I made a 4 check deposit. XXXX ser # XXXX XXXX ser # XXXX XXXX ser # XXXX ( this was the check that caused problem ) and XXXX Ser # XXXX. After making deposit I realized ser # XXXX for XXXX was read as XXXX I immediately pointed it out to the BOA in which she told me the bank would adjust automatically! So after I left I called BOA so there would be an official record after spending 40 min and getting hung up on 4 times was reassured bank will adjust ... .sooo I woke up to instead of problem resolved I woke up to being XXXX overdrawn! Called bank spent 1hour and 45 min to be told nothing they can do about it and I would have no money till Tuesday! So then went to the bank and unsimpatheticly told with no one ahead of me I would have to wait 1.1/2 he to see some one! Mind u the error was that the bank put double holds on all check with XXXX release date Monday came in and was told if I would wait 45min we will look into it! XXXX XXXX XXXX on Monday still not resolved!
Product: Mortgage

Per Ocwen house sold XX/XX/XXXX, says use XXXX see trustee letter, when i call same voices from Ocwen, they can use there own foreclousure company? why isnt house on the website as sold? ILLEGAL PROCESS, renter in property! Who process is an illegal foreclsoure, now XXXX says sold XX/XX/XXXX!?!!?!?! And i filed a XXXX.
Product: Debt collection

I have sent 2 letters to this company asking for verification of debt. It has been over a month since my first communication. First letter was sent on XX/XX/2021. Second letter was sent on XX/XX/2021. I have yet to receive any response in accordance to what I owe and verification of debt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX charged off account. never sent me my 1099 form. 
XX/XX/XXXX XXXX charged off acount. never sent me my 1099 form. 
XX/XX/XXXX XXXX charged off acount. never sent me my 1099 form. ( XXXX ) XX/XX/XXXXXXXX XXXX XXXXXXXX closed account. never sent me 1099 form.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section 604 A Section 2 it states a consumer reporting agency can not furnish a account without my written instructions.

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

I recently received my updated credit results as of XX/XX/year> and I noticed that there are still some inaccuracies. The specific account is XXXX XXXX # XXXX. The alleged account came back updated. How does the bureau do their thorough investigation? XXXX and XXXX has DELETED this account. 
I have sent numerous letters stating that the company needs to send me the ORIGINAL CONTRACT with the LIVING ENITIY SIGNATURE. I firstly mentioned that the alleged account does not belong to me, and you are in violation for reporting an inaccurate account. Its your grave responsibility to report information accurately and accordingly. Your negligence has violated my FEDERALLY PROTECTED RIGHTS and put me in an unsafe and unsound transaction. 
Additionally, I have NOT given any BUREUA ( XXXX, XXXX, and Equifax ) permission to furnish ANY information on my credit report. According to 15 USC 1681 ( B ) ( C ), THAT IS A VIOLATION. Both of my Consumer and Privacy Rights are being Violated.
Product: Debt collection

Upon reviewing a copy credit report, I requested Source Receivables Management remove the negative entry on my credit reports for their account in the amount of {$900.00}. They did not return correspondence showing my signature entering into an account with Source Receivables Manangement. 

According to XXXX, they do not have an outstanding account in my name or under my social security number. 

I challenge the accuracy, compliance and report-ability of this listing. Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature with Source Receivable Management ( SRM ). In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from my credit file under a SRM Account and my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reporting inaccurate payment history. This account has never been late. 

XXXX XXXX XXXX  XXXX  Acct XXXX
Product: Credit card or prepaid card

I got 2 {$25.00} dollar Gift cards I have tried to use these cards at several stores and online and every time the card would come back as declined. I called the customer service and they told me to go to the stores I used the card at and have them take the card information out of the system and try again. The latest date is today I tried using it again online.
Product: Debt collection

I call the debt collector to see if I could negotiate a payment plan for the amount that they list on my credit report XXXX $ and I ask them if they can send me an actual bill so that I can get a load and pay them, than a week later they serve me a court Oder in the amount of XXXX $
Product: Debt collection

I got our phone from XXXX XXXX on a promotion its a XXXX XXXX XXXXXXXX XXXX the promotion was I trade in my phone, which is a XXXX XXXX XXXX XXXX XXXX and they gave me a brand new phone XXXX  half of the bill and XXXX pay the other half. I was paying for some time because I have a line as my phone was with them until I was tired of the padding of bills etc. so I left the company and go to another phone provider but before I did that I call XXXX XXXX and let them know that I will be removing my phone line from them, but I will keep paying my other off until the phone is completely paid off, they told me yes just keep one of my line open so I can make payments. I keep making payments until one a couple months. I was at the roof edge and I couldnt make any payments for that couple months. I think it was two months they send me a bill saying that I need to pay {$830.00} for the phone which this phone the original price is {$750.00} at the time when I got this bill I only had {$290.00}. I called the XXXX  when I got the letter and ask them whats going on because Ive been paying and I do not hold you {$830.00}. The gentleman told me that he couldnt he couldnt say anything about it and ask him can you like send it back on track because that was in the country of agreement he said he doesnt have any paperwork. He doesnt have any paperwork for the phone and I have to call the debt collector people after I called them and let them know what I was going to. Do they still say that I need to pay the full amount so all the bat money that I was paying the erase it and I have to pay it online {$30.00} for the phone and thats not correct the car so if I could get some help on this matter, I would appreciate it. I just wan na pay what I owe
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I will be filing a civil suit for federal violations against Experian, XXXX, and XXXX. I sent my FTC report and my PA License on XX/XX/2024.
Product: Credit card or prepaid card

OK. I have had my  CITI AAdvantage card for 2 years. W hen the annual fee was charged, I called  XXXX   XXXX  and asked if I can have any retention bonuses. I was told if I spent {$95.00} or more, I will have credit of {$95.00}. So I spent over {$95.00} immediately after call and finished my spending for a couple days. I called twice, but they told me I will get it and it usually takes time. I belived. When I call ed two day s ago again, now they told me I did not meet minimum spending requirement.. Because I need to wait for a couple of days in order for them to put in to the system ... But I did not hear about it during my first call. Also then why did they tell me during my previo us two calls? They told me they will check recordings, so I said please go ahead to check them . I com plained that I do not want to spend my time and effort and was told by CITI staff that we also did not want to spend it to you. What makes mt pissed off is that this is the second time.. Last year CITI told me that they will provide a bonus point if I keep the card. So I did, but later    they told me no one said that and no record. I insisted to check recordings and finally they agreed to give me points. I hope the service gets better. It is not just money, but trust between customers and banks. Hope they find it and sorry about it.
Product: Debt collection

Not sure why I am having to continuously deal with the fraudulent account and debt form Southwest Credit in XXXX, XXXX XXXX in XXXX, XXXX XXXX in XXXX and Southwest Credit again in XXXX. I have previously provided information to all of the Debt collectors that this account is not mine. I have received correspondence from Company Southwest Credit and contacted them today and they swear that this is the first time that they have ever contacted me??? I informed the Southwest Credit representative that she was not being honest and and that I had previous correspondence in a file. I informed the representative that this account was not mine the result of Identify Theft ( probably from XXXX breach ), which I have been dealing with over the last 2 years, with several accounts opened fraudulently in my name- XXXX XXXX. She became vile and threatened to report this fraudulent debt to the credit bureaus and " destroy my credit ''. Is this even legal?? I am mad right and I am fighting back! 

I say again and will continue to ask that this account be validated, via a signature page and provided to me at my home address. 
I am attaching the previous letter from XXXX XXXX, stating that they were not able to validate the debt and that they would remove this fraudulent account from all credit bureau 's. I want a similar removal letter from South and verification in writing that this fraudulent account will not be reported to the three major credit bureau 's by them and if they have already reported, I want a similar removal letter sent to me within 15 days. If Southwest Group can not validate via a signature page I want this fraudulent account removed and I never want to have to deal with them again. If necessary, I will seek legal council. This account is not mine and was opened in my name fraudulently.
Product: Credit reporting or other personal consumer reports

OnXX/XX/2024, I received an alert through XXXX XXXX and XXXX that my credit was ran for a credit card application through Chase Bank. I went through the process of reporting this as fraud as I did NOT apply for a credit card. XXXX was able to connect me with Chase where they closed the application and marked it as fraud. XXXX also put a hold on my credit report for 1 year so anytime I ( or someone ) attempted to open any line of credit or take out a loan, the bank would have to notify me to confirm this. 

On XX/XX/2024, I received another alert through XXXX XXXX and XXXX that my credit was ran again for another credit card application through Chase Bank. Once again, I ran through the steps to mark that application as fraud and this time I placed a freeze on my credit report through XXXX. I worked with XXXX to close the application at Chase and they marked it as fraud.
Product: Debt collection

On XX/XX/2020, a dispute letter was sent to World finance certified to verified the validity of the debt that is being reported om all three of my credit reports, I do not have any business with this company. I filed a police report which was sent as well. On XX/XX/2020 my credit report was updated where my balance had increased, I did not receive any information that I had requested instead they reported a higher balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency violated privacy of fcra by reporting relationship with creditor. credit reporting agency published payment history for open ended consumer credit plan. 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 15 u.s.c 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 The following accounts are noted as violation ( s ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Re : CareCredit/Synchrony Bank with Card Security program. 

Opened account in XXXX to help pay for XXXX XXXXXXXX and paid off in a few months. Used periodically since to pay for personal and pet care services, and typically paid off in a few months. At some point must have agreed to their debt protection program through Card Security. Flash forward to XXXX. Husband gets $ XXXXXXXX XXXX work. Reminded of terms that include zero interest for at least 12 months. Autopay in place. Defer making larger payments a few months given zero interest. Logon after 4-5 months to make larger payment, see that almost half of my ~ XXXX XXXX monthly payments have been going to this program. So zero interest offer is useless as a savings to me if I have to pay this while any balance. I have requested program be cancelled and will verify gets done.
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. 

Account Name XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I recently received a personal line of credit statement dated XX/XX/XXXX from Citizens Bank of XXXX, RI requesting a payment of {$100.00} on a past due amount of {$100.00}, which I believe are fees. This line of credit was opened in XX/XX/XXXX, which I barely used if at all, and I personally closed this line of credit in their XXXX XXXX, MA branch at least five years and closer to ten years ago. At the time of closing the account, I remember the employee instructing me that I was all set and that he had closed the account. I do not recall him having me sign anything, it appeared everything was handled on the computer by the employee. I have not received any fees or correspondence from Citizens Bank regarding this LOC in many years. 

On XX/XX/XXXX, I went to the XXXX XXXX, MA Citizens Bank branch to discuss these fees. They were of no assistance whatsoever and the issue did not result in any resolution. They informed me that the account was never closed and that I needed to write a letter to XXXX XXXX XXXX in XXXX, RI requesting to waive the fees and to formally close the account. They also set up a case issue number and spoke with someone over the phone about the account. Also, one of the employees stated that Citizens doesn't even offer these personal lines of credit anymore. Since there was no activity on the account for many years, I believe Citizens assessed these fees to get my attention so I would close the account. 

On XX/XX/XXXX, I wrote a letter as instructed requesting that Citizens waive all fees and to close the account. The consumer loan servicing center has not responded to my letter. I have received two phone calls from a man named XXXX, who claims to be from Citizens. I believe he is just responding the case number set up by the branch and knows nothing about the situation. The first time he called, I called him back and he would not speak with me unless I gave him my full Social Security number which was on a recorded line. In this era of rampant identity theft, I thought that was totally inappropriate and I refused to speak with him. As of this writing, I am waiting for someone in consumer loans to contact me and grant my request. This is all totally unnecessary, since I closed this LOC many years ago.
Product: Debt collection

The same debt was reported under two different accounts on my credit report file XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX is reporting the amount awed as {$0.00} and XXXX XXXX XXXX is reporting {$640.00}. Both accounts should be removed as inaccurate.
Product: Money transfer, virtual currency, or money service

Hello, I've been a customer of Venmo for years. 

I recently made a transaction for {$1000.00} of which they covered. 

Today, XXXX @ approximately XXXX XXXX I tried to pay them with their service, XXXX. 

Although I entered the right credentials to pay them thru a US bank... it was declined. 

I then called them and noticed that the debit card they have on file for me is wrong b/c the bank issued me a new one. 

I tried to pay it in whole but Venmo insists that I must provide them a Drivers License. 

How is this possible? 

Other merchants ... XXXX, XXXX, XXXX don't ask me for this. 

Again, I've been their customer for YEARS and they've already done XXXX on me. 

Is it b/c I'm XXXX ( non-white ) that they're doing this to me? 

Thank you for your time, XXXX XXXX XXXX
Product: Prepaid card

My Complaint is with Found Debit Card I have been using this prepaid card/bank for over XXXX  years without issues. However on XXXX someone used my debit card for a XXXX XXXX XXXX transaction. I closed my XXXX XXXX  account back on XXXX. I contacted XXXX XXXX  support via chat the person tried to help but said they can not locate any transaction on my account that occured on XXXX for XXXX. 
The last transaction was XXXX on XXXX the same day I closed XXXX XXXX 
I filed a unauthorized charge dispute with Found and even sent them screen shots that there was no record of this XXXX transaction. They refused to accept my dispute saying no error occured. I filed the dispute on XXXX when I discovered this charge. 
On XXXX I contacted case app support via chat on the app they looked into it but was unable to do anything as they said theres no transaction for this said charge. And advised me to dispute the unauthorized charge with my card issuer. I provided found additional information screen shots of my chat with XXXX XXXX support showing proof I tried to resolve this with them and they were not able to do anything. Even verified there was no record of any transaction on XXXX for XXXX on my XXXX XXXX account as it was closed XXXX. 
I sent found this info with the screen shots to verify I had tried to resolve it but they were not able to help. 
Found again replied back they can not accept the dispute and move forward and they apologize for the inconvenience. 
This is not right as the card holder agreement states to notify found as soon as you notice an unauthorized charge and that you have to show proof you attempted to resolve this directly with the merchant. 
I followed everything and found still refuses to to allow me to dispute this unauthorized charge.
Product: Credit card

Simply stated, " if there is no late payment, then there can be no late fee! '' Here are the facts : 1. the credit card company is charging me several late fees from XXXX XXXX tho XXXX XXXX 2. there were no late payments 3.I mistakenly made XXXX monthly payments in one month, the company did not initially credit XXXX of the payments to the following billing cycle as I had intended it to do. 
4. viewing on line my payment statements, transaction activity, and activity for this company all indicate equal payments of {$25.00} for the period under dispute 5. my own bank records verify, except for the double payment, that each month a {$25.00} payment was made from XXXX through XXXX XXXX 6. the company has made some adjustments, but continues to bill for late fees and now has the minimum payment for XXXX XXXX at {$100.00}, rather than the usual {$25.00} per month 7. I am a senior on a fix Social Security monthly income and can not afford such an increase in a monthly payment. It is a struggle to make ends meet as it is 8. I have talked to numerous representatives and supervisors who all miss the critical point that even according to their records, there is no late payment, thus no late fee charges 9. I have finally sent them a letter stating that if this issue isnt resolved to my satisfaction by XXXX XXXX, XXXX by XXXX I shall " walk away '' from the balance owing and will not respond to any of their attempts to collect any sums of money. I own nothing from which they can collect! 

I welcome your further inquiry regarding this issue. I sincerely hope you are able to show this company the error of their " best business practice ''. Simply because I was using good money practices by submitting XXXX payments at once, I should not be penalized with " past due fees '' when the company 's own records clearly display no late payments!
Product: Credit card or prepaid card

I have several credit cards through Comenity. I've been trying to make a payment on my XXXX XXXX XXXX XXXX XXXX  card but the site is not working ( more than 36 hours later ) and you can't speak with customer service online or via phone. I'm very worried about my personal banking information being compromised as well as being assessed late fees on this particular payment and others due this week. I have banking info stored with Comenity to make my payments and am really REALLY worried they've been hacked. They've repeatedly said they haven't been hacked ( on XXXX ) and that it's just a system update taking longer than expected ( others have said it's been like this for at least a week ).