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

Equifax failed to properly protect my PII data, compromising my identity and future creditworthiness. Their bad business practices demonstrate they should not be entrusted with this information in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get the report from Experian. 

This is the error I get when I perform the steps to get the Experian report : A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

I called Experian, and got a ticket opened. Experian closed the ticket saying they fixed the issue with my social. They said there were two numbers against my account because of typo error. 

Report Number : XXXX Investigation ID : XXXX  When I attempt to get the report, I get the same message.
Product: Student loan

i called today to get my XXXX private school loans reduced because the payment went up after XX/XX/XXXX. I make only XXXX month and the payments for XXXX private loans I took out by mistake for XXXX school that I was unable to get into a program in the XXXX area because of the XXXX system. Now I am paying more and more and the rent in my area has skyrocketed. Please help me get them to lower my private school loans at least by XXXX . They did it before they can do it again. Thank you.
Product: Credit reporting or other personal consumer reports

I WAS IN XXXX XXXX AT THE TIME OF THE IDENTITY THEFT THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A MEDICAL LOAN. 

DEPARTMENT OF EDUCATION ACCOUNT : XXXX AMOUNT {$500.00} DEPARTMENT OF EDUCATION ACCT # XXXX AMOUNT XXXX DEPARTMENT OF EDUCATION ACCOUNT # XXXX AMOUNT # XXXX DEPARTMENT OF EDUCATION ACCOUNT # XXXX AMOUNT {$3000.00}
Product: Debt collection

XX/XX/XXXX charged {$230.00} at Discount Tire who uses Synchrony Bank. Was a 6-mo no interest acct, made 5 payments of {$46.00} each from XX/XX/XXXX through XX/XX/XXXX for ttl of {$230.00}. Due date for each payment was XX/XX/XXXX of month, my bank statements show that each payment sent by my bank on XXXX of each mo except for one for XX/XX/XXXX sent on XX/XX/XXXX - these were auto-payments that I set up via my bank. On XX/XX/XXXX received email saying I owed {$29.00}, but did not see the message & saw next email message XX/XX/XXXX saying I owed {$31.00}. XX/XX/XXXX called Synchrony customer service & eventually spoke to an XXXX who said he was a supervisor. First said I had missed the XX/XX/XXXX payment - gave him the dates and amounts of payments telling him to multiply them and he agreed they totaled {$230.00}, then he said a payment was late - again went over the payment dates.Then told me some convoluted explanation that because the due date was the XXXX of each of the months and the payment that came in on XX/XX/XXXX, did n't get credited for XX/XX/XXXX Told him it was a completed scam that because they received 2 payments in XX/XX/XXXX - one on the XXXX and another one on the XX/XX/XXXX that the 2nd payment at end of XX/XX/XXXX but for XX/XX/XXXX did not get credited and I wanted this fixed immediately. After several long holds I was told that the " people he had to talk to '' had ok 'd taking the extra charges off my account, that he could not send me an email confirming this, but I would either get an automatic email or a paper statement showing a XXXX balance. I have today received an alert from XXXX telling me I have a delinquency on my credit report. XXXX uses XXXX and my credit report on XXXX website does show the account as delinquent - and in fact their entire record of my payments are incorrect. I filed an online investigation with XXXX and am faxing them my bank statements. I also wrote a letter to XXXX, CEO of Synchrony - but at the time I thought the issued had been resolved per XXXX. I have a feeling they use what I would call " fuzzy accounting '' - not crediting a payment because 2 payments arrived in the same month is ridiculous - I believe they are trying to get more money out of fully paid accounts - and their customer service people obviously lie about clearing up issues. I have an excellent credit rating & they have now defamed my financial history - I have not yet checked the other credit reporting agencies, but this is probably also on those records
Product: Checking or savings account

Bank of Hawaii changed their checking account fee policy to requiring a minimum {$500.00} balance or direct deposit for the {$5.00} fee waiver ( previously just had to have electronic statements ) effective XX/XX/year>. 


I visited the Bank of Hawaii XXXX branch on XX/XX/year> to close my account with a teller. She withdrew all my funds and assured me she closed my account. After returning home, I noticed I still had access to the app and my account showed a {$0.00} balance. I then called the Bank of Hawaii customer service line. After reaching an agent, she assured me she could see the closed account. 

Imagine my surprise when I received an email telling me that my Bank of Hawaii electric statement was available. Upon logging into my app, I now see a - {$5.00} balance on my supposedly closed checking account. This is unacceptable treatment and a reason I will only do business with credit unions in the future. This negative balance better not harm my XXXX record.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXXXXXX XXXX XXXXXXXX Balance : {$9100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern The credit card companies like XXXX card and synchrony recently they are dropping my credit lines citi from XXXX. Dollars to XXXX and synchrony from XXXX. Dollars to XXXX dollars all my limit are being discriminated against me the credit card company never notified till after they did these on XX/XX/XXXX my credit has not changed the companies blame the credit bureaus? They say call them I hope you can do something because this is unfair they charged me all this interest I hurried up worked hard to pay off all limits then they did this. My credit is XXXX in XXXX was XXXX in XXXX there unfairly treating the citizens
Product: Checking or savings account

XX/XX/year> XXXX am Receive message from US Bank Alerts via text to a purchase of XXXX occurred at XXXX XXXX XXXX XXXX. followed by another message. 
US BANK Alerts Your debit or ATM card ending in XXXX was declined at XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX received message from US bank Fraud Alert : XXXX valid XXXXXXXX XXXX called XXXX number given to me from the website. Was transferred to cardmember services and they canceled the transaction. My debit card was canceled, and another order. 
XXXXXXXX XXXX  and XXXXXXXX XXXX  I went to the branch location on XXXX and XXXX XXXX, received a temporary card, and was told there was a case number made and an investigation was already underway. Case number XXXX XX/XX/year> Monday I received a letter in the mail from US Bank dated XX/XX/year> asking for a statement of Fraud form to be completed and returned by XX/XX/year>. Took XXXX days to receive in the mail, and after XXXX Mountain Standard Time, expecting another XXXX days to mail did not have that luxury as it would have taken longer than the allotted XXXX days I had to address the situation after receiving it in the mail, so I opted to take the XXXX option to mailing in the form which was faxing. 

XX/XX/year> I filed a police report with XXXX Police Department Case # XXXX XX/XX/year> I tried several times on XXXX XXXX from a personal location with no success to fax the number listed on the form at XXXX. 

XX/XX/year> I went to the branch location at XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX and spoke with a teller who agreed to fax it for me. It went through successfully XXXX XXXX at XXXXXXXX XXXX XXXX pages scanned and sent to the above number. 

XX/XX/year> I received a letter from US Bank dated XX/XX/year> that they were reversing the provisional credit on XX/XX/year>. 

XX/XX/XXXX I called XXXX XXXX XXXX to request documents, as stated in the letter. She sent the claim back for research and revision. Said it would take up to XXXX hours. Monday went to main branch where manager offered no help or even look at it. Called card service there and still nothing. They altered me on the fraud. How can they go back?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

XX/XX/XXXXXXXX XXXX XXXX XXXX/XXXX/2024 XXXX - XXXX XXXX/XXXX/2024
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a Collection on my XXXX XXXX & Experian credit report on XX/XX/2020 XXXXXXXX XXXX is reporting a balance on my Credit Report for {$3900.00} which is not my Account
Product: Student loan

XX/XX/XXXX. My daughters student loan was placed on a repayment plan. she has made payments to this loan ever since. President Biden has put a freeze on student loans at this time. 

my credit report shows it is serious delinquent. this loan is being taken care by my daughter. i believe that it should not reflect delinquent.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( F DCPA ), I request the following information. 
1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
s. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX an XXXX XXXX item # XXXX purchased online from Lowes with a Lowes credit card was to be delivered to my address on XXXX. As of this date no umbrella was delivered. Lowes was notified on XXXX. The XXXXt XXXX Lowes store manager was left a message, but no return phone call was received. 
A third party delivery company XXXX was found to have NOT delivered the XXXX and closed the delivery ticket out. A call to XXXX on XXXX ( Spoke with XXXX ) found that the delivery was not made, the XXXX was at the terminal, and was awaiting a new ticket for redelivery. XXXX reached out to Lowes several times for a redelivery ticket which was never issued. The XXXX was was then returned to the XXXX  XXXX store by XXXX. 
Several correspondence have transpired. I have all supporting documentation listed by date. 
I was able to contact Lowes corperate on XXXX @ XXXX ( XXXX XXXX. A XXXX case # XXXX was given. The account was credited the full outstanding amount and another XXXX  was ordered and paid in full the same day. 
One month later, the account was then charged the original disputed charge, that had just been credited. 
I have attempted to contact Lowes XXXX XXXX store several time. I placed the credit card in dispute. Contacted Lowes corperate. This issue is still outstanding. 
Awaiting a response " XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX
Product: Credit card or prepaid card

i make a dispute already for some transactions not make or authorized by me and bank of america denied my claim 2 times already
Product: Credit card

Elan Financial continues to show a paid off account that they wrote off on my credit report. Creditor never provided me with a 1099c and has written this debt off. Elan must conform with Form 1099 IRS regulations. Please provide me with a 1099c or and remove this from my credit report
Product: Mortgage

I applied for modification in XX/XX/XXXX. Bankruptcy court did approve it. PHH still doesn't acknowledge it, and is reporting me late to Credit Bureau and trying to foreclose. I have emailed them multiple times, and most recently sent them info on XX/XX/XXXX. I am so frustrated. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed inquires on my credit report I did not approve or agreed. I then set a letter to the XXXX XXXX, and experian to get these removed per the Fair Credit Act. After waiting more than a month I got a letter saying nothing could be done.
Product: Credit card

I have a XXXX card which is now owned by synchrony. I received a notice that I would be charged a {$1.00} fee for paper statements. I have been enrolled in paperless statements since my first bill. ALL members are now required to opt - out of paperless statements despite previously enrolling in paperless billing otherwise be subject to a fee. When I went online to review; I wanted to take screen shots to submit steps for this documentation, but when I clicked on paper billing, despite NOT saving, I was told I would have to wait 24 hours before making my selection change. This is not ok and a way for the banks to collect fees that a reasonable person might have a hard time understanding or assume they are already enrolled. This is complete abuse and should be stopped. I am well aware that many providers are taking the option of charging for service, but until the government regulates this or provides free electronic devices and wifi, this should not be allowed. Further it should not be allowed if you have already signed up for paperless to be required to complete again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 3 occasions since XX/XX/2023 I have disputed 2 fraudulent hard inquires on my Equifax credit report, they have failed to remove the fraudulent inquires. These inquires are a result of identify theft and Equifax is the only company refusing to properly follow the law and remove the inquires in question as they were not authorized or initiated by me. A identity theft report has been filed with the FTC already along with freezes and a fraud alert on my report. Attached is a copy of the FTC identity theft report.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against the XXXXhree bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them.
Product: Debt collection

After reviewing my credit report file with XXXX, I am disputing lines items reported by LVNV Funding LLC. As part of debt validation pursuant to 15 U.S.C. 1692g, I am requesting the following to determine accuracy and completeness of the data furnished : 1. Full payment history details from the original creditor 2. Date of last payment 3. Date of delinquency 4. The original wet signature that I agreed to on the contract for this creditor 5. Has there been any insurance claim found on this debt?

6. Provide the chain of assignment contract / chain of title In addition, I request an affidavit of truth under penalty of perjury for each reporting. 

Since LVNV Funding LLC can not provide the chain of assignment contract, I respectfully request these items be deleted from my consumer file as it is a mis-representation of my financial obligations and violates consumer rights. Furthermore, self-initiated research revealed LVNV Funding LLC is not authorized to collect for my state ( NMLS consumer access ). LVNV does not have authority to collect nor ownership of the alleged debt ( s ).

Also, I have not provide LVNV Funding LLC my written consent to furnish data 15 U.S.C. 1681b - this is identity theft which has been report. I urge the CFPB to uphold my consumer rights and instruct LVNV to delete the item within 5 business days. Should LVNV fail to comply in a timely manner as stipulated, they should be subject to fines & penalties by the CFPB for willful non-compliance with the FCRA and undermining the U.S. banking system 15 U.S.C. 1681 ( a ) ( 1 ). 

Case law - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Debt collectors do not own debts and can not put it on your consumer file.
Product: Debt collection

I have a collection on my credit report from LVNV funding stating I owe {$600.00}. I sent a debt validation request to them, to which they never responded. I reported this lack of response to all credit bureaus to no avail. Upon contacting this company by phone, they say I dont have a debt with them. I get mail from Resurgent Capital saying that I owe them {$600.00}. This same debt. Upon contacting the company by phone, they say they can settle the debt for less than 50 %. When I asked to pay for 20 % they said the debt is with another party. I reached out to this third party and its a company called XXXX and XXXX, a law firm who says that I owe them {$600.00}. I have never received ANY contact from either LVNV or XXXX and XXXX. Ever. I have never done business with them not have done any business with Resurgent Capital. I just see LVNV on my credit report and keep getting the run around from these companies. I asked them to delete the debt from my acct as I dont know its origin and they wont offer me a reasonable settlement.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX acct # XXXX, XXXX acct # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] :
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 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 XXXX, XXXX, TransUnion have violated my rights by publicizing my information without my consent. I have tried fixing this issue but I get no results. Also I have unauthorized hard increase on my account.
Product: Money transfer, virtual currency, or money service

I have had an ongoing issue with logging into Venmo, even though the login information has been correct. Despite resetting my password many times, this continued to happen. On XX/XX/2021, I contacted Venmo customer service through their website to advise them of the problem and request help ( filename : Can't log in - Venmo.htm ). They advised me to reset my password, which I did, to no avail. 

On XX/XX/2021, I received an email from Venmo stating that my account was frozen due to " recent activity that triggered some security alerts. '' No further information was provided ( filename : Your Venmo account has been temporarily restricted.pdf ). 

The Venmo app stated that my account was frozen due to violations of their Acceptable Use Policy, which I read and understand deals with crime and fraud, so I took this to mean that Venmo was accusing either me, or someone who had accessed my account, of a crime. 

I contacted Venmo but they would not reveal what activity had taken place on my account, who may have initiated this activity, or whether my account was safe. 

After not being able to resolve this issue, I notified Venmo that I would be filing a complaint, although I mistaken thought that the correct agency to file with was the FTC XXXX filename : Your recent Venmo request.pdf ). 

At this point, Venmo began to interact with me through email more consistently XXXX XX/XX/2021 ). I repeatedly requested they disclose the activity perpetrated on my account and whether my information was safe. 

During this exchange, I became frustrated, and then angry, which led me to use profanity and sarcasm in my emails. I understand that this may have contributed to Venmo 's refusal to assist me ; however, I was very clear in what I was requesting from them. The last email I received from Venmo indicated that they would no longer respond to my requests for assistance ( filename : [ Venmo ] Recent Activity on Your Account - Venmo.htm ). 

As of today XXXX XX/XX/2021 XXXX, Venmo has still not disclosed whether my account was hacked, if I am currently at risk, what activity occurred, or any useful information to put my mind at ease.