23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Publishing this description will not affect how the CFPB handles your complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, mailed a dispute letter via usps certified mail to Experian in regards to the validity and accuracy of charged off accounts listed on my credit report from XXXX # XXXX and a collections account listed on my credit report from XXXX  XXXX XXXX # XXXX  In my letter I addressed each section of the accounts that were reporting inaccurately and requested that if these accounts are not reporting accurately and can not be verified they should be deleted from my Experian report. 

On XX/XX/2020, I received dispute results from Experian stating that both accounts were updated and verified. On XX/XX/2020, I mailed a letter requesting the method of verification via USPS Certified Mail to Experian which according to FCRA they have 15 days to respond to my request. I requested that if Experian can not respond to the method of verification request that they delete the derogatory items listed as these items are not only reporting inaccurately but they are also unverifiable. 

As of XX/XX/2020, I have not received a response from Experian in regards to my requests for the method of verification nor have the accounts been deleted from my credit report. In fact, Experian had the audacity to update the account balances for the XXXX # XXXX accounts and XXXX   XXXX XXXX # XXXX XXXXollection account on XX/XX/2020 instead of complying with the Method of Verification requests for both accounts. 

I am filling this complaint as Experian has consistently been negligent with reporting inaccurate information on my credit reports and it is even more concerning because they are not following the FCRA in their handling of my request for proper investigations, accuracy and they have not provided any information in response to my method of verification request. 

Due to experian 's negligence and refusal to adhere to the FCRA and the LAW, these accounts XXXX  # XXXX and XXXX  XXXX XXXX # XXXX must be deleted immediately.
Product: Debt collection

XXXX XXXX  had a membership of of which I sent certified letter stating I was relocating and would not be close to a gym. They never accepted the certified letter. A few months ago a collection agency is attempting to exhort me for {$290.00} or damage my credit. They don't even have the correct information.
Product: Debt collection

No verification has been received on this account through this company, this is inaccurate and false and NO verification XXXX XXXX XXXX
Product: Consumer Loan

On my car loan, my principal payment did not all go to my balance of the car. It is a fixed payment amount. I just received a letter that shows principal and interest, but the amount of earlier payments did not reflect the actual reduction in balance. I want wells fargo to credit my payment balance to the account.
Product: Mortgage

I have made numerous requests all with the same reply - " I will send the request to the appropriate department. '' - but all having the same result. The result has been the payments have gone to an unapplied area where the financial institution is able to make gains 2 fold - gains on the money intended to go the the principle as well as additional interest on the account. Knowing that this is happening to me I know I can not be the only person this needs a major correction given this is now the 3rd complaint that I have filed. 

Each week I place {$50.00} and have called SPS to inform them of this. There are notes on the account but no reactions to requests. Since the last complaint a payment of {$50.00} was sent XX/XX/XXXX and another {$150.00} on XX/XX/XXXX and full payment of {$680.00} on XX/XX/XXXX and {$50.00} on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted them today and spoke with a representative by the name of XXXX. on a recorded line and again asked that the payments be posted properly and any interest be credited back on the account.
Product: Credit reporting or other personal consumer reports

I have reached out to Indigo several times regarding incorrect information on my account. My credit report shows that I have XXXX accounts with them. However, I only have XXXX account. In the past my account number has changed but I still only have XXXX account. I filed a complaint with CFPB once before regarding this same issue. The claim number was XXXX. This still has not been resolved. I would like this misinformation to be taken care of as soon as possible and updated to all three credit agencies.
Product: Debt collection

FIRST ISSUE W/AMEX. Complaint is against AMEX. I am having XXXX possibly related problems w/this company. This is the first. About XXXX or XXXX years ago, I cancelled all my AMEX cards. I think I had XXXX, but I know I had at least XXXX. XXXX I never used. Immediately prior to trying to cancel XXXX of the cards, I had received a bill from AMEX for {$95.00}, which was described as the annual fee. At that time, I called them, informing them I wanted to cancel the card and asked to have the {$95.00} fee waived. I also told them the fee was the reason I was cancelling. They refused to cancel the card until I paid the {$95.00}, claiming it had already been billed, which is true, but this was the first billing for the fee, and I no longer wanted to pay the fee or use the card. I called several times with the same result and eventually gave up. I did not pay the {$95.00} either. What I did do was cut up and throw away that card and my other AMEX cards, vowing to never deal w/the company again. There was no balance other than the {$95.00} fee owed, and all balances on all cards were current and fully paid ( and always were ). I have used NONE of the AMEX cards I had since then b/c A ) I was so annoyed w/the company, and B ) I destroyed my cards ( I can't even tell you the account numbers anymore ). As recently as XXXX XXXX, they apparently billed me for this {$95.00}. I assume they still are, but since I'm in the process of moving, I haven't received a more recent bill. Obviously, I don't want someone else in the future getting my account number on this card which AMEX refuses to close because I refuse to pay their revolving annual fee for a card I tried to cancel and have not used in that time. My SECOND problem w/AMEX may or may not be related. I will submit it as a separate issue as it is a bit strange.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX 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 a 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 purpose.
Product: Debt collection

XXXX from XXXX XXXX XXXX calls repeatedly about a Dental bill, that I keep telling him that the amount owed is correct. 
He refuses to document the file and send the claim back tot he dentist. He calls atleast six ( 6 ) times per day. 

I spoke with XXXX gian today and explained that the amount owed can not be correct and that I would like a statement of account to review. He told me that I needed to listen to him and do what he says or he will not resolve my account.
Product: Checking or savings account

I was XXXX for a XXXX XXXX that had a savings account which went inactive. I was not notified that it was 'dormant ' and that a fee of $ XXXX/mo was being deducted from the account. When I went to close the account, the balance was {$160.00} less than I expected due to dormant fee. 

The bank was under different ownership when I opened that account ( XXXX XXXX XXXX ). I do not recall this being explained when I open the account in 2002. The bank said it was my responsibility to check the balance even though to online statement nor mailed statement were being sent.
Product: Credit reporting or other personal consumer reports

Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy.

Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 
XXXX XXXX XXXX
Product: Checking or savings account

Chime did a charge that was not mine I was actually in XXXX  when this happened I called when I got notification of pending charges they closed. Add and stated they would investigate. At first they reversed the charges then they did an adjustment then they denied claim then they approved it and they stated my funds had already had been given to me Ive attached where it shows that everyone they recharged there is no even amount there represent said that transaction show odd amount of XXXX transaction they clearly did not give my funds back but every time they Escalade nothing has been done. Ive been going back and fourth for XXXX years
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I mistakenly initiated a transaction through Venmo to transfer {$1800.00} from my XXXX Checking account to my landlord XXXX XXXX. This was an overdraft which XXXX paid as a courtesy on my behalf. This was an ACH transaction with ID XXXX. Venmo attempted twice more in quick succession to withdraw {$1800.00} from my XXXX account for which I was charged two additional {$30.00} insufficient funds fees. Because the first transaction was successful neither of the subsequent transactions resulted in money transferred to Venmo. However, Venmo began showing in the app that I owed a debt for {$1800.00}, despite the funds having been withdrawn from my XXXX account. 

I have since spoken with 5 different Venmo representatives in the last 6 days. I provided the Venmo representatives with screenshots of my bank account, and the transaction ID provided above to assist them in finding the {$1800.00} Venmo seems to have lost. In the time since I opened this investigation, Venmo, despite my explicit demands on multiple occasions to multiple representatives to cease debiting actions, initiated a debit against my XXXX debit card for {$1300.00} ( the remainder of my outstanding balance with them after deduction of my in-app funds ). This transaction has caused me further financial harm and proceeded despite the open investigation I have with them into missing funds. It has been 14 days since the initial transaction, and 6 days since I opened my investigation and there has been absolutely no meaningful progress. Venmo is now completely unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed a account with all three credit bureau, Experian, XXXX  and XXXX. All three credit bureau responded back saying the account was verified and accurate. The alleged account is XXXX # XXXX. Well I come to find out that the account was sold to a outside agency. well in XXXX I sent a certified letter to the new owner of the account which is XXXX XXXX. I have attached the copy of the letter that was sent to XXXX XXXX. they refused to respond to my letter dated XX/XX/2018, I also attached the certified mail receipt to show they received the letter on XX/XX/2018. But they failed to respond to me. I am a consumer and I have rights under the FCRA. and they have been violated, due to XXXX XXXX not responding to me in 30 days. I have all rights to see information and original signed contract from the original creditor. they have failed and refused to send me any documentation. This item needs to be removed asap,,,, or I will file suit,,, I also contacted the original creditor XXXX XXXX by certified mail and they failed to respond to me also,, I have attached a copy of the letter I wrote to XXXX XXXX and certified mail receipt showing I sent XXXX XXXX and they received the letter on XX/XX/2018.both the original creditor and the new owner of the account both failed and refused to respond to me the consumer within 30 days and all three Credit Reporting Agency are reporting unverifiable information this is against the law and the FCRA. This account need to be removed asap or I will file a suit with the federal court,, I did my part as a consumer by writing both the Original creditor and the new owner of the account and both partied failed and refused to respond to me within 30 days and I have the letters that was written to both of them and the proof they received the letter ... this is not a dispute of information on my report, THIS IS A DEMAND THAT THIS ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT BE REMOVED ASAP, ,AS FOR MY RIGHTS UNDER THE FCRA HAVE BEEN VIOLATED,, BOTH PARTIES FAILED AND REFUSED TO RESPOND TO ME WITHIN 30 DAYS I AM ENTITLED TO XXXX FOR VIOLATIONS. I HAVE ATTACHED COPIES OF THE LETTER THAT WAS SENT TO BOTH PARTIES THE ORIGINAL CREDITOR XXXX XXXX AND THE NEW OWNER WHICH IS XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about the overall scam of credit bureau reporting. 

Can someone explain to me why having someone check my credit lowers my score? Does it mean Im likely to miss a payment? Does it mean Im about to overextend myself? Does it have anything to do with all of the hundreds of creditors Ive paid in full over 30+ years of having credit cards, student loans, mortgages, or other types of reported debt?

No it doesnt. So why is the score impacted?

Credit reporting bureaus having massive differences in scores??? Why??

Why do only 2 agencies show up on the scores? TransUnion and XXXX? What happened to XXXX?? 

Credit reporting also different for differing situations? Why is my score different for credit card application, home loan info, auto loan? There should be one score and one score only!!!! The score I see should be the same one a creditor sees. 

Its like the housing market scam network in this XXXX country. Why is there a different appraisal price for 1 ) purchase, 2 ) refi, 3 ) just a personal I want to see what my house is worth ( this always confuses the appraisers ), or 4 ) a relocation appraisal. Why are they all different? Its the same XXXX XXXX XXXX house !!! 

Credit bureaus are the same scam. Why is what I get as a consumer so different than what a bank sees??? 

It is so disgusting and fraudulent.
Product: Checking or savings account

I had XXXX pending charges from XXXX for {$150.00}. The first was from XX/XX/XXXX and the second was from XX/XX/XXXX. They were holds for incidentals from my 2 separate reservations I had at the hotel. On the XXXX, after I had checked out of the first stay and checked in for the second stay that I had booked and paid for separately, the {$150.00} hold fell off. I received a push notification from Cash App stating that it was released. However, after clicking on the notification my account balance was not reflecting that the funds had been returned to my available balance. It was still reading at something like {$8.00}. I brought this issue up with Cash App immediately in their chat support. I was basically told that I am crazy and that the amount had credited back despite my total amount not reflecting such. That customer service agent got tired of dealing with me and kept telling me that they have done everything that they can do for me and sent me back to the beginning of the line for the support chats. I was connected with another representative and they told me that I needed to get a hold of XXXX and get an invoice stating that there is a XXXX balance owed by me to the XXXX. Once that is received then they would be able to look into the matter farther. I have supplied the XXXX balance invoice as requested. As far as I am aware nothing has been done to further investigate this matter and it is being swept up under the rug as if it never happened. The XXXX {$150.00} hold from the XXXX from XX/XX/XXXX is still currently in pending status on my checking account with Cash App. I have questioned this in their Chat Support part of the app on several different occasions. Each time I have tried to address this as an issue I have been told that there is nothing they can do to investigate the matter farther until they receive a XXXX balance invoice from the XXXX. I get the invoice and submit it to Cash App through the chat support. At first I am told that the invoice I supplied that was emailed to me from the XXXX ( supplied screen shots to Cash App via chat support ) and at first they tried telling me that the invoice could not be accepted for this matter. After debating that with the support team on Cash App I was finally told that I must wait the entirety of 30 days before the {$150.00} is released. Once the 30 days have come and gone then they will, I guess, look into it more. This is after they had told me that it is not on them but the XXXX and that XXXX has to release the funds first. I explained to Cash App that the XXXX has assured me that both of the holds for {$150.00} were released a month ago and that there is nothing else that the XXXX can do. The XXXX has instructed me to contact my financial institution since there have done everything within their power on their end in regard to what a merchant has the power to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that does not belong to me through XXXX  and there are a few inquiries that are not mine on Experian and XXXX  I have been disputing these with the bureaus and the furnishers but they wqill not help me out I didnt open this account or pulled any of those inquiries I need help to remove this from my account please. 

XXXX XXXX - Acct # XXXX Amt {$62.00} Opened XX/XX/2020 INQUIRIES XXXX XXXX XXXX - Inquiry date : XX/XX/2020 XXXX XXXX XXXX - Inquiry date : XX/XX/2020 2020
Product: Debt collection

I was contacted by XXXX XXXX via voicemail. The voicemail stated that I had an open summons to court in the county in which I currently reside, however, after further investigation, I was not residing in the state when I opened the supposed credit card. 

I contacted the 'debt collector ', XXXX XXXX XXXX XXXX and was told that I had a debt from XXXX that was still outstanding. The debt was to Bank of America which had a {$3500.00} debt. Several details sounded suspect to me - 1. the debt was from XXXX, I had paid on the debt until XXXX and then suddenly stopped. 2. If I had a debt long, I would have likely paid off that balance in much less than nine years. 3. This was already over the statute of Limitations for both the state of XXXX XXXX, where I had supposedly opened the debt and XXXX, where I currently reside. 4. I never opened a Bank of America credit card - ever. 

After brining these details up to the representative, XXXX, I was told that he could not provide any documentation of the details until I paid the debt. I asked questions as I thought it was fraud. He did provide verbal details about my current open lines of credit to which I could use to pay him. He claimed to have current signatures from student loan documents that he could compare to promissory note from the Bank of America credit card. I wanted to take a few days to look into the details and examine my finances to figure how I was going to pay the debt. I was persuaded to pay the debt while on the current phone call or I would be taken to court and charged for the debt and all fees associated with the case to an amount upwards of {$13000.00}. I did give XXXX, XXXX my credit card number to charge the agreed upon amount of {$2900.00}. 

A few days later, I received the 'contracts ' that required my signature which also had the Bank of America credit card number on it. I immediately called Bank of America for information on this. I was told by several different departments that I had no footprint within Bank of America and the credit card number provided had never been issued- it was a made up number. After receiving this information, I immediately filed a chargeback with my credit card company. They have been denying my claim ever since XX/XX/XXXX. I need proof of cancelation of the policy which I never had. I was also told to contact the 'merchant ' and request a refund. I reluctantly called XXXX back and was berated, yelled at and hung up on subsequently denying me a refund. XXXX with XXXX, XXXX also told me that I would pay what I deserved and they would get their money. His attorney 's were ready and prepared to take me to court. 

I'm under the impression that because this XXXX  XXXX has a work-up on my financial background and current history, it looks like they have supporting evidence that I owe this debt. This is what my credit card, XXXX XXXX, is going off of. I have provided a clean credit report and verbal contact with Bank of America, to no avail. 

XXXX, XXXX is good at what they do, scamming. Do your research, don't rush and don't give money to anyone without proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my last complaint against Credit Acceptance, I was able to enter the Covid Relief Protection plan. The plan stated that I would have 90 days where I would not have to pay anything so that I could get back on track. After the 90 day mark was up, I would have to pay the original amount of the monthly payment each month, within a 30 day timeframe. 
In other words, once I started paying the loan back XXXX XXXX ) I would have between XX/XX/XXXX and XX/XX/XXXX, without consequence, to make the payment. If I continued to make the payment as instructed, I would be allowed to stay on the plan. The plan does not stipulate that I need to make a payment arrangement and it does not say that I need to pay for any amount of the loan that is already in delinquent status while on the program. 
In XXXX, I began making the payments as instructed. Each month after the payment was made, I began getting up to 10 calls a day telling me that I needed to enter into a payment arrangement. When I informed the agent that I was on the Covid Relief plan, I was told that even though I was I needed to enter a payment arrangement to 1. get the delinquent amount caught up and 2 to make sure that I am paying " on time '' or I will continue to get calls. I was not informed that the company would continue to mark my credit as 120 days or more past due. 
When you read the guidelines of the Covid Relief plan on their website, this is in total disregard to what the plan actually stipulates. 
I need assistance with getting this corrected. I am doing the best that I can, yet I am still being harassed, and I am still suffering under this company.