23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm diligently working towards purchasing my first new home. However, the inaccurate reporting by creditors on my credit report is becoming defamatory. I have not been provided with any proof of the original agreement to it with my signature.

As per 15 USC 1666b, a consumer reporting agency is prohibited from furnishing an account without my written instructions. Additionally, the FCRA stipulates that a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. There is no law stating that ANY transactions need to be reported. Which is why this is defamation of my character this creditor is not giving any privacy or consent. 

This creditor failed to implement adequate procedures to ensure that each periodic statement, containing the information required by section 1637B of this title, was mailed or delivered to me within 21 days of each payment due date. I did not receive any electronic or mailed monthly statements within the specified timeframe of 21 days after each payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention Credit Bureau Management : I am a XXXX veteran. I am unable to work due to my XXXX. I have been in deferment for quite some time. I am trying to purchase a house and all 3 credit bureaus has late payments that is holding me back. 
Account # XXXX Experian shows : XXXX of XXXX  180 days late, XXXX of XXXX  180 days late, XXXX of XXXX 180 days late. 

XXXX shows : XXXX XXXX  120 days late, XXXX XXXX 120 days late, XXXX XXXX 120 days late XXXX shows : XXXX XXXX  120 days late
Product: Credit card

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I had a Wells Fargo VISA Signature Card ending in XXXX. 
I received a letter from Wells Fargo on XXXX XXXX, 2016 noting that there had been some suspicious charges on my account and that if this particular account activity continued after receiving this letter, Wells Fargo noted they would close my account. 
The charges were valid charges, however, I followed the direction and did not make any additional charges whatsoever after receiving the letter on XXXX XXXX, 2016. 
Logging into my online account yesterday, I noted that my credit card has now been closed without warning or letter from Wells Fargo. More importantly, the {$1500.00} in Wells Fargo Go Far Rewards have not posted and have been XXXX out. 

This is wrong. I received a letter from the credit card company/bank and I followed the letter 's directions and did n't make any additional charges. Additionally, for them to close my credit card account outright without notifying me first is also wrong I believe. All charges were valid. Lastly, if they so choose to close my account for whatever reason, I should be entitled to the {$1500.00} in rewards points I rightfully earned. 

Wells Fargo runs a promotion and refuses to pay out to their customers? I believe this is wrong and I am expecting to get paid out my {$1500.00} in rewards. I am hoping you can step in on my behalf.
Product: Credit card

I looked on my XXXX XXXX  app and noticed that a credit card had been opened in my name. I immediately disputed it and said that it was not mine. It was charged initially XXXX dollars and then months later I was charged another XXXX dollars to the account at which point I called Barclays Bank Delaware and told them that it was not my card and was told everything would be settled. I then noticed today XX/XX/24 that my credit score dropped by over XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXXXXXX 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 card or prepaid card

I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from NAVY FEDERAL CREDIT UNION for the interest I have earned, as a result of NAVY FEDERAL CREDIT UNION trading my securities on the exchange. This has been done without my knowledge and constitutes that NAVY FEDERAL CREDIT UNION trustee listed above is committing SECURITIES FRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub. 
L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] Without prejudice or recourse Done in Good Faith
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, and XXXX  account XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Experian Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : XXXX XXXX  XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian Credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

Despite making these attempts to address these discrepancies, the fraudulent items remain on my account, causing significant distress and inconvenience. The persistence of these fraudulent items on my account is adversely affecting my financial standing and trust in your services. I urgently request a comprehensive review of my case and an immediate resolution. Specifically, I am requesting : A thorough investigation into the repeated failures to remove the fraudulent items. 
Clear communication regarding the steps that will be taken to correct the account. 
A timeline for when I can expect the fraudulent items to be fully removed. 

I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to address this issue satisfactorily may compel me to seek further action through consumer protection agencies or legal channels. Please help me remove these items immediately : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

This is related to my Venmo account. Name on account is XXXX XXXX ( my married last name ). My Venmo Customer Support Ticket number is XXXX. 

For the past couple of months, I am unable to transfer money from my linked XXXX checking account into venmo. However, Venmo allows me to link my XXXX account and allows me to pay people as long as it's link. But won't allow me to transfer funds into Venmo- a feature I have successfully used before. I attempted to transfer money again and received a message that says I should contact customer service. 

On XX/XX/XXXX, around XXXX XXXX, I called Venmo. The agent could see I had multiple attempts to transfer fund that were declined. 

They said their XXXX referenced a risk rule and to wait XXXX hours for things to reset so I could make the transfer. 

HOWEVER, the agent noted that they could see I had many other attempts where days or weeks went by and nothing in 'their system reset '. 

I asked her to escalate this to their XXXX  or XXXX  team to look into it. She said they couldn't do that and there was no other option to address this. 

I notified her that I am making a formal complaint and wanted her to raise this. She said they didn't have a complaints resolution process. 

I asked to talk to a Supervisor. At first, she said I couldn't but upon pressuring for resolution, she transferred me to a supervisor named XXXX. XXXX basically told me the same thing and mentioned I could get a Venmo debit card as a way to solve for this. 

I found this SUPER problematic. I also notified them that I believe UDAAP has been breached for not having any way to address this. They wanted me to have a subpar product experience and use their product to solve the issue I'm having instead of finding a way to fix it so I could get equal access to all their services and features like all venmo customers. 

At the end of the call, XXXX said she would raise it but did not give any clarity and said she wanted to set my expectation that nothing can be done.
Product: Student loan

I attended XXXX XXXX in XXXX ... .basically over the years my account was sold to several companies ... and the interest rates are high on the account ... .I 'm currently unemployed and struggling ... ..I ca n't afford what they are asking me to pay each month.
Product: Bank account or service

Bank of America closed a keep the change rewards savings account that I had for a few years. Seems like they were being discriminatory and retaliating after I filed a Chapter XXXX Bankruptcy. The bank claims to have sent a letter in the mail however, I never received a letter stating the account would be closed if there was n't a {$25.00} minimum balance. Then a branch manager felt it was closed due to inactivity. Although, there 's regular activity because it is a keep the change savings. On Friday, XXXX XXXX, 2016, I deposited a check in the amount of {$800.00} via the ATM and Sunday went to withdrawl the money to pay my house note. The account showed up via the ATM but nothing appeared on the balance. After hours on the phone, I managed to get a claims rep to complete an XXXX, Claims Dept re : ATM Error Claim to locate the deposit and transfer to the primary Checking.
Product: Checking or savings account

So if I Bank initially contacted me because there was a suspicious transaction on my account so they froze my account. Once I got communication of what they did I contacted them by phone and they identified a specific transaction that seems suspicious to them I told them that was a legitimate transaction where I received funds from my HELOC loan from the mortgage lender and they needed further information they asked for that lender 's phone number I provided that phone number on Thursday XX/XX/XXXX and they told me that they would have to review the phone number I gave them to see if it was a legitimate transaction or not after I told him it was. They initially told me it was going to take 24 hours and I was going to be reached by someone from the fraud department I have not since received word from them I have called them every single day asking to unfreeze my account I can not access my funds I need to pay my rent and they are unwilling to unfreeze my accounts even after I told them that that specific transaction is a legitimate transaction. I am attaching a screenshot of the transaction that I told them is legitimate.
Product: Student loan

On XX/XX/XXXX I was notified by the US Department of Education that my student loans were eligible for full discharge. In XXXX of XXXX some of my loans were discharged, but the remaining balance was not discharged. I only ever attended XXXX XXXX operated schools XXXX XXXX XXXX  later rebranded as XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I see inquiries that were not authorized and dropped my score. Auto loans ( my car has been paid off for the last XXXX  years ) and also I noticed that a late payment which was later taken off by the company dropped my score by XXXX points and when it was removed in XXXX weeks, it only gave me back XXXX points to my credit score.
Product: Credit reporting, credit repair services, 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
Product: Mortgage

On XX/XX/XXXX, contacted Mr. Cooper to speak with an agent regarding how they can help me and my husband with our loan. I think we were about 1 month behind on our loan at that time. She explained to me all the options available, but told me that they would put us on the forbearance program from XX/XX/XXXX to XX/XX/XXXX, and that I was to check in and let them know if anything changes in our present status. On XX/XX/XXXX, we were approved for forbearance. On XX/XX/XXXX, I checked in to let them know our status had not changed and could not afford the high payments and interest because we had moved out of town in XXXX of XXXX. We paid our payments up until around XXXX of XXXX. Because of renter, repair, and maintenance, loss of income, it put a strain on our mortgage in our new town. I told her that we are considering initiating a Deed In Lieu of Foreclosure. I was told that she would send me a Statement of XXXX, to fill it out and fax back to them and to make another login for the Deed In Lieu account. On XXXX, we filled the form out and attached a copy of our drivers licenses, and faxed all to Mr. Cooper. We never heard from them about the appraisal the agent told me they would have to make on the property to see if it qualified. We started receiving mail from a XXXX XXXX. We hadn't heard from Mr. Cooper, so I didn't open the mail at that time. I just kept it in the file. Our mortgage insurance company for the property called on XX/XX/XXXX at around XXXX am to inform us that someone was trying to calling to change the name on our property insurance and they wanted to see if we had allowed it. We didn't know what was going on so the agent said she wouldn't do anything until she hears from us. When I got to read the mail that was sent in from XXXX  The agent said that I wasn't authorized to talk to them. I'd have to send another authorization for them to talk to me. I tried to email them but I didnt have the correct one. Tried to call them back but no response.
Product: Checking or savings account

Opened a BMO Harris everyday checking account on XX/XX/XXXX, using the promo code XXXX. I followed all requirements, including bringing the mailer to a local branch, opening a new account, and having two direct deposits of {$300.00} or more post within 90 days of opening. I made deposits over {$300.00} on XX/XX/XXXX & XX/XX/XXXX. The bonus was to be paid 120 days after opening ( XX/XX/XXXX ). As of XX/XX/XXXX I still have not received the bonus. After contacting the bank, I was informed that I did n't qualify because the direct deposits were n't from a payroll company. BMO terms are listed as " Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening ''. I 'm XXXX XXXX, and pay myself from a business checking account from an external bank. Therefore I received 2 direct deposits, which were a paycheck, from an employer. This qualifies under BMO Harris 's  listed terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. XXXX XXXX XXXX was disputed on XXXX due to the account not being mine. I have requested multiple investigations for the company to provide proof that this is my account. The company has not communicated any information regarding the requests and therefore are in violation of the law listed above.
Product: Checking or savings account

Hello, On XX/XX/XXXX, I asked Robinhood to dispute two unauthorized transactions on my checking account for which I have a debit card ( Robinhood Cash Card ). Robinhood partners with XXXX XXXX XXXX to create checking accounts for its customers ( Robinhood Spending Account ) and then connects it to a debit card issued by XXXX XXXX  ( Robinhood Cash Card ). I did not hear anything back from Robinhood for several days, and my Cash Card remained active and so I followed up on XX/XX/XXXX via support chat and told the agent that I did not receive any communication about my dispute. The agent said that they would respond in 2 days time with an update. It is now XX/XX/XXXX, and I still received no update ( and my Cash Card was still active as of this morning ) so this morning I contacted support again and told them that I would be filing a complaint with CFPB if they refuse to take any action on the dispute. Approximately 2 hours after the conversation this morning, Robinhood sent me a questionnaire to complete via email which I planned to do this evening. I have money on my account and attempted to use my card this afternoon to pay for a medical appointment. My card was declined even though there is sufficient balance. I then received an email stating that my account had been restricted- which given the timing described above, I believe this is retaliation for telling them that I would file a CFPB complaint earlier today. I contacted support again immediately and explained that my card was in my possession and I needed to urgently use my remaining funds ( I.e. {$49.00} ) to pay for my doctors visit. The agent told me that another team at the company would contact me sometime over email to let me know how I can unrestrict my account. Effectively, theyve taken complete control of my remaining balance without notifying me in advance and refuse to let me take the necessary steps to unrestrict my account to pay for a medical appointment. Its worth noting that I have direct deposit set up with Robinhood and this past month have deposited over {$12000.00} to my account. Robinhood locking my balance of {$49.00} only after I said I would file a complaint is clearly not in the letter of the spirit of consumer financial protection laws.
Product: Credit card

I placed an order on XXXX on XX/XX/year> and used Affirm To be able to make payments for the purchase. Before the order shipped I cancelled. Since that cancellation Affirm has contacted me every day via text, email or call saying I owe them {$20.00}. XXXX has confirmed the order was cancelled and never shipped. They said they contacted Affirm and told them this AND I emailed Affirm with a copy saying it never shipped from XXXX.
Product: Debt collection

I was recently sued or in the process of by Mullooly, Jeffrey, Rooney & Flynn LLP I am just learning of this alleged debt of {$6700.00} and the procedures this " XXXX XXXX XXXX  '' has already taken against me ( XX/XX/XXXX XXXX ) by way of this communication without my knowledge. Default judgements obtained without following law set in place to protect consumers are highly questionable. 

They have threaten with a 10 day noticed to reply back and or dispute which we all know its a 30 day not 10day notice. ( 30 days ) I have sent a certified mail to both new jersey XXXX XXXX XXXX XXXX. and " Mullooly, Jeffrey, Rooney, & FLynn LLP '' company. to objection this alleged dept.

I requested a FULL accounting of any outstanding debts with receipts to support such alleged debt. They responded with a package of one years worth of some receipts not even totally close to the actual amount they are requesting. what they sent was around ( {$1800.00} ) I tried calling the numbered they instructed to call only to find out this gentlemen is on vacation according to his voicemail. If this is a fully operational firm or company i could at least speak with someone else. i have made multiple calls with proof of call logs which still nothing.

I would like some type of audit with this company if possible, and or some type of help.

thank you.