23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I uploaded my XXXX form in XXXX. It kept getting denied, due to it being my XXXX  time filing and kept submitting invalid info, but it finally got approved in XXXX. Without them notifying me, they just informed me that I needed to get it fixed within XXXX days. I fixed it in XXXX after the XXXX days, so it screwed my credit score. I worked my whole life for my credit score, having a credit card since I was a XXXX XXXX XXXX XXXX. I am now in the process of renting a house and my credit is terrible. I don't understand how you do not notify a recent XXXX that they have XXXX days to resubmit or else it will XXXX their life over. The loan is paid off by XXXX  due to myself working in XXXX. How can I get my credit score back or is there no hope? I can't believe that this is how recent XXXX  are treated and not notified of things like this.
Product: Prepaid card

I had a couple of fraudulent charges tried to dispute them and the company denied them
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found some erroneous information. The three credit bureaus are required to validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unauthorized to fail to validate this reporting account as unverified information without providing proof within the legally allowed period. The following account needs to be investigated and corrected for erroneous reporting in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX is my insurance company, who uses credit ratings to calculate annual fees. I requested a copy of the report they used in preparing my renewal. They sent me to a company called 'LexisNexis '. LexisNexis sent me a copy of my driving record - but not the credit report ( though I asked for the credit report ). The paperwork they sent me is very sketchy and does not tell me how to get the credit report.
Product: Credit card or prepaid card

I reported unauthorized charges to my account by XXXX. The claim # XXXX for account XXXX. These charges were made to my Capital One debit card. Capital One removed the charges on XX/XX/2021. On XX/XX/2021 Capital One stated disputes was resolved. Capital One denied my claim and reinstated the charges. Capital One stated no error. Capital One also stated I could request copies of any documentation used to make this decision. I requested documentation. Capital One sent me little or no documentation to make a decision. One Capital One agent stated charges were made in California. I have never been to California and I did not authorize anyone there to use my card. I have since received a new card. I request the charges be removed.
Product: Credit reporting or other personal consumer reports

I submitted auto pay information using my bank 's routing number and account number, as is typical for auto pay. 

I discovered that my first payment wasn't applied so I called to investigate. 

They stated that the account number was wrong. I gave them the information again, and explained since maybe it was because I have an account with a credit union and they use account numbers with additional info if checking, savings, auto loan, etc. and suggested that maybe that as the issue. 

The following month the same thing happened and I called again. 

We went over the account numbers and I was again told that it had been " fixed ''. 

It wasn't. What they failed to tell me is that they needed the WIRING account numbers which are different. After receiving the WIRING numbers, all payments have been made as requested through auto pay. 

They have recordings of my conversations and have not agreed to remove the late payments from my credit report.
Product: Checking or savings account

At approximately XXXX hrs on Saturday, XX/XX/2023 I went into the vestibule ATM of the PNC Bank located at XXXX XXXX XXXX. XXXX XXXX, MD. XXXX to make a {$800.00} cash deposit using my XXXX Atm card. I inserted my XXXX Atm card, entered my PIN per usual and machine prompts. The machine then asked me what I wanted to do, I pressed make a deposit. It prompted me to insert my 8- {$100.00} bills. It counted them and displayed the message " would you like to deposit {$800.00} '' in XXXX bills. I confirmed yes. The machine counted the money, made a few noises-what sounded like it depositing my cash into its safe. The machine then displays " sorry we are unable to process your transaction, please take your card ''. I followed directions and took my card. The machine then went back to " normal '' screen meaning it was ready for a new transaction. The machine gave me no receipt, did not credit my checking account for {$800.00} deposit, and did not give me the option to have my money back. If I did this to the ATM I would be in jail, but for some reason PNC has kept my money for 2 weeks and seems complacent in the fact that their machine has defrauded me. Please help me!! I reported immediately to PNC per the ATM machines XXXX help number and they said they could not help me since it was outside of normal business hours. I went to the bank when they opened the following monday and made a complaint to the manager. He informed me that PNC does not service their own ATM 's but not to worry they would find the unallocated funds. He has not responded to my calls. I stopped in the bank again this Saturday, 2 weeks later now, and he said the same thing... .he hasn't heard from the ATM company regarding any unallocated funds and for me to be patient. XXXX XXXX  can not help me either they claim it is up to the ATM owner to resolve the issue and they simply noted my complaint and let me go with no resolution, just a sorry this is happening to you!!
Product: Student loan

My private student loans are through Navient. These loans never went to me directly at the time at XXXXXXXX XXXX. I was frequently put into default/ forbearance without asking for forbearance. I have repeatedly asked to remove the cosigner 's from my private loans and been given multiple reasons they wouldn't. They said it is not in their best interest to remove a cosigner and I still have them almost 15 years later. I was granted borrows defense on my federal loans for my schools fraudulent practices but that does nothing to assist with the private loans they received. I had three private loans for a total of {$15.00}, XXXX. I graduated in XXXX I have paid on the loans the majority of that time. Having paid already double what I had borrowed with fluctuating interest rates and incorrect payment data I still owe an additional approximately XXXX dollars in private loans. What they claim to have received in total payments is not accurate based on payment history. I was in default for more than seven consecutive months being forced to make payments to prevent wage garnishments being told inaccurate information and for some reason was not included in the navient settlement. When going through their customer service and asking why I was not included in the settlement seeing as how I met the qualifications for the settlement they stated that because I had made a payment XXXX of XXXX it disqualified me and I had no further recourse and I have continued to make payments every month since then. I believe I should have been included in that settlement due to my loan status and I believe that navient coerced me. Based on the lawsuit that was posed against navient in that settlement any loan that had been in default or forbearance for seven consecutive months at any point prior to the issuing of the settlement was included. I request that my loans be evaluated for their qualifying factors in that settlement they be discharged and my payments be refunded. I was cruelly taking advantage of by a fraudulent predatory School that is created great financial harm since attending. I filed bankruptcy in XXXX however private student loans at that time were not included because I was not disabled. Navient upheld their private loans throughout my bankruptcy and the two years since. Navient refuses to settle the private loans unless your loan is in default this costs additional interest and fees.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have had a XXXX XXXX account for over 23 years without missing a payment. On XX/XX/2023 I received an email offer from XXXX XXXX to go paperless, which I accepted since I have many other account that are paperless and have had no problems with them. Shortly after that I made a {$15.00} purchase at XXXX XXXX expecting to get an email notice of my balance due like every other company does. But I never received any notices from them about any balance due, due dates or overdue balance. I leaned of this when I got a call from their rep asked why I hadn't paid the {$15.00} in two months. Since this was the first I've heard that I had a balance, I worked with XXXX XXXX to pay the amount and they waived the late fees. I thought it was done, but I discovered that may decades old XXXX XXXX XXXX had been ruined by XXXX XXXX reporting the late payment, even though it was caused by their negligence. I had to call several reps at their customer service line to finally get someone who said they could do an investigation. I later received a letter that they had investigated ( without contacting me for my side of the story ) and couldn't remove the late payments. Why should I be punished with a lower credit score for something that was not my fault? Since it was XXXX XXXX fault for not sending me a notice that I had a balance due I shouldn't be penalized for the short comings in their system.
Product: Mortgage

In XX/XX/XXXX, we received a letter from Roundpoint Mortgage Servicing asking us to use a website to upload proof of hazard/homeowners insurance since our coverage was getting close to expiring. ( We do not escrow this. ) I used the website and the information from the letter and received confirmation on the website that the information had been received. 

A few weeks later, I received another letter stating that I needed to provide proof of insurance. I assumed there must have been some sort of error with the site, so I followed the steps again. Again, I got confirmation that everything had been verified. 

Last week ( XX/XX/XXXX ) we received a letter stating that we had not provided proof of insurance so Roundpoint would be purchasing it for us. I immediately called and spoke to a rep who had me email proof of insurance. While I was still on the phone, she told me she had received the email with proof, but that I would have to wait for a letter to come in the mail stating that we would no longer be charged for the insurance Roundpoint claimed they were purchasing on our behalf. 

Yesterday ( XX/XX/XXXX ) we received another letter stating it was the final notice asking for proof of insurance. I again called and was told that we had already provided proof of insurance and that at no time had we had a lapse in our coverage. I was again told that they couldn't email me anything stating that, but I would just have to wait for the letter. 

This feels very suspicious on their part, and I am quite frustrated that at no point did I change insurance providers ; I maintained constant coverage ( above and beyond the minimum required ) ; and I have provided Roundpoint with that information multiple time in multiple different ways. 

All of the attached communications ( and these are the only 4 I still have ) were received after I had already uploaded proof of coverage two times through the XXXX website.
Product: Money transfer, virtual currency, or money service

The financial services vendor is Venmo. On XX/XX/XXXX I took payment through Venmo of from a private party as a deposit for future lodging services. Venmo notified me of funds received of {$760.00} with the following message : Profile image XXXX XXXX paid you {$760.00} On hold XXXX half of the total rental fees for XX/XX/XXXX to XX/XX/XXXX ( {$1500.00} ) Like Comment See payment Transactional detail Status Pending On hold Youre over the {$940.00} of goods and services payments you can receive before we have to share your tax info with the IRS. 

Quickly provide it now to release the tax hold on this payment and avoid XXXX  % backup withholding if not completed by the backup withholding date specified in the app. 

Until you provide this info, all goods and services payments you receive this tax year will be subject to holds and backup withholding. 

Learn more about taxes and selling on Venmo. 

Date XX/XX/XXXX Transaction ID XXXX <end of message> The Venmo website provides no mechanism to furnish and file their prescribed form ( XXXX ) or disclosures. Venmo makes no attempt to contact the customer to provide a means for either returning funds to the payor or remitting to the customer/payee. I have return email messaged Venmo, as also by them in the above notice prescribed, XXXX times with no response. No live answer is available on their contact telephone number. Venmo now holds {$760.00} of customer funds with no mechanism for retrieval of the funds. 

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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$590.00}.
Product: Consumer Loan

I have been experiencing extensive issues with Chase Auto Finance ( XXXX XXXX XXXX XXXX KY XXXX ) approximately since XXXX XXXX. Daily, repeated, telephone calls to my personal cell phone escalated into calls to my work phone. After 3-4 phone calls to my employment phone, I demanded Chase Auto Finance never contact via my work phone. Chase Auto Finance has complied with this request ; However, their over-aggressive collection tactics ( that of which stems from one ( 1 ) unsuccessful monthly payment ) have developed into an atrociously diseased business practice. On XXXX/XXXX/XXXX I telephoned Chase Auto Finance to make a {$360.00} payment on the balance due of {$720.00} via debit card. The representative I was speaking with questioned why I was not paying the balance in full. I responded by stating the funds were not available, I would settle the balance due upon receipt of my Federal Tax Return, and that information was not of her concern. She then inquired on the date of when I would receive the tax return, and if it would be direct deposited. I informed her this was " none of her business '' and, with concern for fraud/scamming, refused to provide an approximation of the date of tax return funds. The representative responded aggressively, claiming no payment would be accepted unless it was the full balance due. I explained to her this was untrue as I have made partial payments on prior occasions. The representative became argumentative and at that time my demeanor changed and I demanded she accept my payment towards the total debt owed. The representative then stated that my proposed payment would be accepted if paid by giving her my bank account information. I refused to provide this information and restated I would pay by debit card. At that time she claimed a debit card could not be processed for this transaction. Arguing ensued, with talk of repossession of the vehicle by both myself and the Chase Auto Finance agent. The agent claimed that Chase Auto has the right to repossess a vehicle at anytime. I became agitated and ordered her to accept a debit card payment or to forward my call to a manager/supervisor. The supervisor was polite and non-argumentative but did attempt to coerce information about the approximate date of my Federal IRS Tax Return. 6 days ( on XXXX/XXXX/XXXX ) after this incident and successful payment of {$360.00} to Chase Auto Finance, I received multiple phone calls from phone # ( XXXX ) XXXX. I returned the call only to discover it connected directly to Chase Auto Finance. To my knowledge, Chase Auto Finance 's contact # is XXXX -or- XXXX.
Product: Debt collection

XXXX XXXX was involved in a lawsuit that I was a part of. They used misleading terms and advertising to get me to sign up for 3 credit cards. I have contacted Portfolio Recovery Associates over 20 times to explain and send a copy of the settlement. 
They have never I am disputing these collections. I was relived of my obligation to these accounts. In addition the dates on the 3 accounts are all wrong and they change form open to close all the time. I Also when I called the last time, they threated to sue me. 
There are 3 accounts {$1900.00} {$2700.00} {$2200.00}
Product: Student loan

Throughout the academic years of XXXX I took out a federal loan at but noticed over time that there were other loans placed on my account that I never accepted nor received dispersement from the institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union has reported a charge off on my credit report. It is illegal to post income on my consumer report. According to the IRS, a charge off is income that the company has to file on a 1099-C and they never sent me a copy of the 1099C. Furthermore, I never gave written permission for this information to be furnished and they are violating my right to privacy. 
Account XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act everything on my credit report everything needs to be 100 % accurate. 

The Credit bureaus stated the below account were properly investigated however i do not know how that is possible if there are numerous errors throughout my entire report and the information reporting is inaccurate, This is grounds for removal and deletion of the accounts from my report. 

I sent a letter out on XX/XX/XXXX and XX/XX/XXXX to TransUnion and the credit bureaus said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation? 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report XXXX XXXXXXXX Inaccurate Information : Date of Last Activity, Date Reported, Date Opened, Balance Owed XXXXXXXX XXXX XXXX XXXX Inaccurate Information : Date of Last Activity, Date Reported, Date Opened, Close Date, Creditor Type XXXX  XXXX XXXX XXXX XXXX  XXXX - Last of verified, date of last activity, date opened, dispute, status, creditor remarks XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inaccurate Information : Last Verified, Date of Last activity, they reported, date opened, balance owed, dispute, status, account status XXXX XXXX
Product: Credit card or prepaid card

I have an ongoing dispute with Discover Card since XX/XX/XXXX when some Unauthorized charges were put on my account. While Discover telling customers that they do not have to pay for any unauthorized charges, Discover accepted a charge in XX/XX/XXXX from a " merchant '' whom I had informed Discover not to accept any charge in XX/XX/XXXX when I realized the " merchant '' was a Scammer who tricked consumers to give credit card information for unintended charges.

The specific complaints are as follows : ( 1 ) Discover accepted charge from " merchant '' AFTER it was informed by customer Not to accept charge from the " merchant ''. ( I can stop payment on my check, therefore I should be able to stop charges to my account ) ( 2 ) Discover keep charging interests aand Late fees while the account is in dispute.

( 3 ) Late Fees werre charged by Discover despotically albeit the small amount that is claimed being owed. It totally disregards the complaints made by the customer of the outstanding balance.

Late Fee charged in XX/XX/XXXX = {$27.00} Late Fee charged in XX/XX/XXXX= {$37.00} The way Discover charges customer late fees would make Discover so much money that could be it main business! The Late Fees imposed by Discover is Unfair and Illegitimate! It is Usury in Disguise!

( 4 ) Discover reinstated " merchant '' charges after informing customer that " All disputes were Resolved and Completed " in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some negatives items in my credit report and dont belong to me JPMCB CARD Account Number : XXXX XXXX Account Number : XXXX