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

On XX/XX/22 a payment was sent from our XXXX XXXX credit card to Venmo to pay an individual, Friend X ( not real name ). Friend X was unable to pick up the payment through Venmo. The {$1500.00} payment to Friend X was pending in our Venmo account until XX/XX/22. Contact with Venmo rep XXXX on that day reported this was an error and a claim was filed to credit the {$1500.00} to our account. As of XX/XX/22, there was no credit to our Venmo account and now no evidence the transaction was ever pending. The {$1500.00} payment to Venmo from XXXX XXXX had disappeared from our Venmo account. Contact with a Venmo representative on XX/XX/22 resulted in insistence that the {$1500.00} payment from XXXX XXXX was declined and never went through. However, there had been a pending {$1500.00} payment to the Friend X until XX/XX/22. Likewise, we had evidence of the {$1500.00} payment to Venmo on XX/XX/22 from our XXXX XXXX card ( which we have an XXXX XXXX reference number for ) and we have since paid XXXX XXXX for this charge. Contact with Venmo ( XXXX and XXXX ) on XX/XX/22 resulted in escalation of the account to an account specialist. Contact with XXXX at Venmo on XX/XX/22 reported that the issue continued to be with acct specialist and we needed to be patient. Venmo has reported to us on multiple occasions that the {$1500.00} from XXXX XXXX never went through, however, this is not the case as the pending payment to Friend X for the {$1500.00} transfer was pending in Venmo account until XX/XX/22 ( and we have confirmed with XXXX XXXX that the transaction went through ). Repeat contact with XXXX at Venmo on XX/XX/22 resulted in the same run around with no new information. We are told this issue will be escalated again to an account specialist but contact with account specialist can only occur via email. We have never been able to speak to an account specialist to find out where things stand. Meanwhile the original payee, Friend X who could not pick up the payment, has disappeared entirely from our Venmo account ( again as if it never occurred ) and the account continues NOT to have the {$1500.00} that was paid to Venmo from XXXX XXXX. It is as if the history of the entire transaction was erased. We are concerned that this is a scan from person ( s ) within Venmo since they refuse to resolve this conflict and we have evidence of the XXXX XXXX payment to Venmo.
Product: Bank account or service

My husband and I have a number of accounts with JP Morgan/Chase and I pay most of our bills using online account services with various merchants. I am very cognizant about due dates for our bills and when my paychecks get deposited ( every Thursday XXXX and when my husband 's pension check and social security check gets deposited. During the past year, my previous job was outsourced and I was out of work for 5 months and when I got offered my next job I was forced to take a {$45000.00} pay cut. I am a senior and am XXXX years old. Due to the reduction in our income, it is next to impossible to keep a " cushion '' in our bank account. On a number of occasions, due to the way that Chase Bank " shuffles '' their transaction processing we have been hit with {$34.00} fees. This occurred because their transaction processing practices are designed to maximize profits for the bank by entering the largest transaction first. They do not necessarily enter direct deposits before the previous day 's debits. I have researched this matter online and have found out that this is a problem for many low-income families who can not afford to keep extra funds in their accounts and who suffer disproportionately from these practices that are common among large banks. Our branch manager has lectured me that he will refund the fee " this one time '' but the problem is far greater and should be addressed by government regulations. I do not want to have overdraft protection because it costs more money. There would be no problem if Chase processed direct deposits first before deducting any online payments. I am very responsible and balance my checkbook every morning when I go on my computer at work. However, every now and then some kind of surprise debit occurs and voila, I get hit with another {$34.00} fee because Chase did not process the deposits first. I am imploring your agency to please address this problem with the large banks. I work hard but I have been a victim of corporate downsizing. I am facing retirement and trying to pay down bills. I am very discouraged about my financial future. I read about these practices in XXXX and XXXX when I did a google search. I was glad to see that it was a larger problem that government could address, as opposed to my own negligence as was implied by Chase Bank 's managers. Thank you for your help.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Student loan

Navient hold all my student loans. I have made arrangement for these loans to be paid of thru another entity " XXXX ''. I've received the payoff amount of all loans and the new entity sent a check with the full amount to Navient. Navinet failed to apply the money {$69000.00} and it is being held with them. To make the matter worse, they've reported that I've opened a new account line of credit with them for {$69000.00} and my credit score FICO plummeted 72 pint overnight. I have been trying to correct the situation with them with no avail. They keep switching me from one customer service to another and I get a different story every time. 
I am attaching a copy of the pay-off amount, the check that was sent to them and their online statement that shows the money being held with them.
Product: Credit reporting or other personal consumer reports

My identity has been stolen and the criminals are using my information to obtain items and services in my name. Rental car vehicles have been rented in my name with a fake drivers license. The drivers license number matches my real drivers license number and this has been confirmed by the rental car companies. I have filed multiple police reports with different agencies because this is not an isolated issue. However, all companies have investigated and verified I'm not liable except for XXXX which has added collections to my name that needs to be immediately removed. I've already spoken to a representative on behalf of XXXXXXXX XXXX XXXX  company by the name of XXXX XXXX from XXXX and discussed the case. This needs to be deleted and blocked immediately from my report. 
Account # XXXX {$310.00} ; Account # XXXX {$1000.00} ; Account # : XXXX {$750.00} ; Account # : XXXX {$2100.00} ; Account # XXXX {$730.00} ; Account # : XXXX {$670.00} ;
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX * Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies, Equifax, XXXX  and XXXX   accept data from businesses and collection agencies and place it on a consumer 's credit report no questions asked. The original item has usually been purchased by a debt buyer who does not care whether the item is valid or not, typically makes no effort to collect on it, and has purchased it in order to receive a write-off by from the IRS. Often the original item is an error, a blunt show of power or force by, say, a property manager or an aggrieved business entity with an axe to grind, or a flat out fabrication. When the outraged consumer tries to challenge inaccurate or unfair information he typically gets an exhausting run around from Equifax or the others who make demand after demand that the consumer " verify '' their identity so that Equifax can keep it's database up to snuff. Otherwise they have nothing to sell to the banks who collude with the credit reporting agencies in the manufacture of the " credit score '' software that is provided free of charge to their retail clients such as XXXX XXXX XXXX XXXX XXXX. The banks also outsource their underwriters to these retailers who essentially pose as employees of said retailer rejecting credit applications. This is fraud on the part of the banks and they all do it : XXXX  XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX -- all of them. This is a scandal and the government should put a stop to it. Equifax and the banks are lawless and unregulated. Equifax will do everything in its power to hang on to negative information because otherwise they have nothing to sell to the banks, who in an effort to eliminate " risk '' have become both a social ill and a quasi-criminal enterprise engaged in unauthorized misuse, distribution, disclosure and sale of social security numbers, a federal offense which is not enforced. Challenged by the consumer, Equifax will insist on being supplied with the consumer 's name, date of birth, addresses going back three years, a daytime phone number, a driver 's license, a social security number, a social security card, as well as enlargements of all documents including a recent utility bill. Equifax will typically then say " we are unable to verify your identity '' and refuse to correct or delete anything they would prefer to keep. This experience is akin to being XXXX   and XXXX. Hire a law firm to challenge Equifax and they will stonewall by claiming to have " verified as accurate '' information obtained from the know-nothing collection agencies who as previously stated have no idea nor do they care whether the " debt '' is valid or not so long as they get their write-off. This is a vicious circle and the upshot is the consumer can not get a mortgage, buy a home or achieve the American Dream. Somebody please put an end to the ability of the credit reporting agencies and the banks to act with complete impunity, knowingly lawless, unregulated and sanctioned by Congress to keep inaccurate information in their database for SEVEN years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I, XXXX XXXX XXXX, ran my credit report for the first time in my life. I ran this first with XXXX  and then also XXXX   ( both attached ). On both of these reports, I found a Credit Card account  beginning with XXXX, and ending in XXXX with XXXX XXXX XXXX that was opened XX/XX/XXXX. This account had a credit limit of {$3000.00}, a balance of {$19000.00} ( same as amount past due ), is being shown as CLOSED by way of CHARGE_OFF, with a Date Closed on XX/XX/XXXX. 

This is a credit card I never applied for, never received, or was aware of the existence of. I also became aware, under the personal information section of the reports, that there was an address listed in XXXX IL that I have never seen or heard of, or resided in, and a phone number, that I also have never seen before, owned, or used. Both of these are listed below : Address : XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX Address ID # XXXX Apartment complex Phone Number : ( XXXX ) XXXX The advice given to me was to first call XXXX  XXXX XXXX and all three major credit bureaus. I first called XXXX  XXXX XXXX and filed the dispute/fraud claim, which is claim # XXXX. When I was on the phone with a representative of XXXX  XXXX XXXX, I was told the account was associated with the address and phone number listed above. 

I then followed up and filed the below-listed disputes : XXXX  # - XXXX XXXX  XXXX - # XXXX TransUnion - ( Did not receive dispute #, TransUnion XXXX XXXX attached ) Identity Theft FTC Report - # XXXX Today, XX/XX/XXXX, I filed a CPFB complaint addressed to XXXX  XXXX XXXX and am now following up by filing one for XXXX, XXXX, and TransUnion. 

After filing this dispute, I received a letter from XXXX  XXXX XXXX dated XX/XX/XXXX ( I've attached the letter here ), which states : " After a review of details you provided and a thorough investigation, we've concluded that no fraud has occurred. As a result, you'll be responsible for any balance on the account in accordance with your account agreement. '' I  also received the attached documents from XXXX, XXXX, and TransUnion with teh results that the account is " Verified as Accurate '' and " Verified that this item belongs to you. '' I am claiming this credit card account is a result of identity theft. I understand these credit  bureaus need to communicate with the financial institutions in order to generate the results of a dispute. So I am asking that they consult with XXXX XXXX XXXX as XXXX  XXXX XXXX addresses the CFPB complaint ID - XXXX.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/XXXX, a True Accord agent named XXXX XXXX emailed me a demand payment letter for an outstanding debt from XXXX XXXX XXXX for {$1100.00}. This information from True Accord, a third party agency, refers to an accumulated debt as a direct result of identity theft reported to the Consumer Financial Protection Bureau and to the Federal Trade Commission. All credit reporting agencies have also cross referenced my information as an identity theft victim with three credit reporting agencies per Fair Credit Reporting Act. HoweverXXXX XXXX XXXX XXXX  still contacts me pursues debt collection in violation of statutes within the Fair Debt Collection Act. In addition, XXXX XXXX XXXX reinserted the debt as an entry on credit files in XX/XX/XXXX after all three credit reporting agencies had removed the debt after receiving supporting documents validating that the debt occurred as a result of identity theft. As such, I will vigorously exercise my legal rights as an identity theft victim and pursue a legal claim against XXXX XXXX XXXX for contacting me about the debt, and pursuing the debt, and all attempts to collect the debt in addition to all adverse action to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed in the past that there were ( 2 ) small student loans ( dated Open : XX/XX/XXXX ) appearing on my credit files and immediately disputed them with each of the credit bureaus.I have not gotten any " validation '' from the bureaus concerning these loans which I never received or signed for at any time. 
XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Previous CFPB Dispute # XXXX
Product: Debt collection

15 usc 1692 c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXXXXXX XXXX and before XXXX XXXX  XXXX, local time at the consumers location ; Westlake servicesXXXX XXXX XXXX has repeatedly harassed me through multiple emails!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was notified via email that my TransUnion score decreased by 10 points. Listed under recent reasons for the change was a balance of {$55.00} on my credit card which has a credit limit of {$300.00}. That's 18 % utilization, 12 % lower than the recommended amount. When I called TransUnion the representative cited several reasons as to why my score could've changed. None of the reasons applied To my situation. I've had situations recently concerning the bureaus falsely decreasing my credit score. There is no legitimate reason to decrease my score. How is it legal to penalize someone with no cause?
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. XXXX XXXX : XXXX XXXX, XXXX XXXX : XXXX XXXX. Act Name : XXXX XXXX XXXX  Act Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious XXXX XXXX & will continue to cause me XXXX XXXX XXXX XXXX until it is resolved.
Product: Credit reporting or other personal consumer reports

My personal information is wrong, my DOB, previous employer & previous address. I want to have my information corrected.
Product: Credit reporting or other personal consumer reports

XXXX  Account number XXXX you are reporting this collection as an " OPEN account which is not under the FCRA Complicance. this is inaccurate reporting and this need to be removed immediately. please send me a copy of my credit report when the above delection has been removed .Please attach copies of the following XXXX, the purchase agreement XXXX Name and address of the original creditor XXXX, Date of the original charge off or delinquency XXXX The date this alleged debt became payable XXXX, The original contract and signature on file