23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

In the economic downturn of XXXX I had a severe reduction in income, which put me in a position where I could not meet all of my regular obligations at once. I reached out to every creditor to make arrangements to either arrange for a settlement with my tax refund in XXXX, or to imporive my terms. Inexplicably, my balance with XXXX bank ballooned by a factor of over XXXX % without me adding any charges at all in a period of a couple of months. I was at an impasse with XXXX and they threatened to sue and they did. I requested statement documenting the obligation that XXXX claimed that I owed and having received the documentation I was prepared to defend myself in court. To my great disappointment and disillusionment with the fairness of the PA court system, XXXX asked for a summary judgement and received it without my ability to simply present the facts to a judge. Recognizing that my cause for fairness and justice was lost, I contacted the attorney for XXXX and asked that I be permitted to simply pay what I owed and nothing more, as that was the fairest resolution I could possibly hope for and the attorney agreed to accept a fair settlement of the bill. To the credit of the attorney for XXXX, they agreed to drop the matter legally, I and I chose not to appeal. Retaining this judgement on my credit report is a continual misrepresentation of the matter, and it should be corrected.
Product: Debt collection

You've paid off 0 % of your collection amount. 
Balance {$720.00} Highest Balance {$720.00} Opened XX/XX/2015 ( 2 yrs, 4 mos ) Account status Open I had lived in a building i believe at XXXX XXXX XXXX  when i moved out i had handed my XXXX modem cable box and everything to the XXXX guy that was allocated to the building. He had assured me that he would take care of the issue and let XXXX know that i do not owe anything and the equpitment is returned. Little do I know i have a {$720.00} dollar collection going on for equiptment that i returned to the building XXXX Representative. I want it to be disputed and removed off my credit report so this unjustified problem does not keep hurting my credit. 

Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX DISPUTE AN ERROR Creditor Information I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My email has been used to open an account with the bank synchrony with sams club. A email has arrived to me saying i had to make a payment, although this is identity theft and i have not opened an account with sams club. The current balance in the account is {$1700.00} and a payment of {$53.00} was minimally due. The payment needed to be due on XX/XX/2024. I do have an account with synchrony but with amazon not same club.
Product: Credit reporting or other personal consumer reports

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit card

I had setup my credit card account with Bank of America to AutoPay and it was working fine for several months. Suddenly, the minimum payment amount increased due to a promotional period ending. The AutoPay did not adjust the payment amount so it did n't make a full payment. Now, Bank of America has a delinquency mark on my credit report that says that payment was over 30 days past due. They refuse to correct it, saying that it was my fault that I did n't make the full payment. Their site is very misleading about how AutoPay works and I firmly believe that they are at fault here - why should I be punished for this??
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015 the vehicle I was purhcasing from the company was stolen. It was around XX/XX/XXXX or XX/XX/XXXX. I filed a claim with my insurance company at the time. The company was XXXX XXXX. XXXX XXXX paid the company for the vehicle. I pulled my credit report and saw the company was listed on my credit with negative reporting. In the mean time from the time the claim was paid until now I have not received any bills from the company requesting payment due or balance due. I contacted the company to request a bill. The company said the account was transferred to a new lien holder company. I was given the number to the new company. I called the new company and I was told there was no record of me having a lease or loan from them. Since there is no account available to find I would really like this item removed from my credit. It has a negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a copy of my credit report XX/XX/XXXX, I noticed some unauthorized inquires my report, XXXX  credit XX/XX/XXXX XXXX verify XX/XX/XXXX
Product: Mortgage

Dear Sir, This complaint is against Nationstar Mortgage the servicing dept. I was told by Nationstar that I should participate in their HARP loan program, where my loan originally was a interest only loan that turned into a fully index loan with PITI. The payment through me out of Budget, so Nationstar stated the best option was the HARP Program. Enclosed is the email stating that I was approved, and I would be skipping a payment the date was XXXX/XXXX/15, on the week of my closing I get an email that I 'm was not approved. I thought that something was wrong because the communication checking to see what is going on had stop. I kept going to voice mail for XXXX days. The loan office on this deal plus the processor could not be reach, on XXXX/XXXX/15 I got the enclosed email telling me that I was not approved. I told them since this file is with Nationstar can you take it to the modification dept. personally since you quoted the wrong rate, a teaser, XXXX I told them that I had a problem paying the original loan payment and I reached out for help and they suggested this program. I am now going to be in foreclosure if this problem is not corrected. I need someone from their management to look into this. The loan number is XXXX, borrower is XXXX XXXX. This like a switch and bait after the client does everything in their power to give them what Nationstar ask for. The companies hide behind the automatic systems and voice mail system, it takes a strong consumer to fight through this so that it can be justice.
Product: Student loan

I have reached out to have payments deferred. I should not have reporting late payments. On XXXX, 2018 I had to work with XXXX XXXX via email to have the issue resolved.
Product: Checking or savings account

Venmo will not release my funds or authenticate my identity. They have my passport, drivers license, and NY state employee paystub and refuse to address the problem. 

My driver 's license does not have my street address on it because no mail goes to my house- as in most rural places. Venmo won't provide what legal statute they rely on to discriminate against people based on where they live and keep their money. 

Today 's made up drama from the venmo team is they can't read my documents. But won't say what they can't read. If there software is not good enough to relay an iphone picture to be reviewed by their staff - a picture of someone's personal identifying information how could they possibly have the cybersecurity to prevent hacking and keep people 's information safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a formal complaint as a natural person with rights protected under 15 USC 1681. My credit report has been violated by the consumer reporting agencies, who are also in violation of the Fair Credit Reporting Act. I demand that the following accounts be immediately deleted as I did not authorize the consumer reporting agencies to furnish them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following sections of the law have also been violated : 15 U.S.C 1681 section 602 A. guarantees my right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that consumer reporting agencies can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer report containing adverse 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 ) states that no person shall furnish any inaccurate information relating to a consumer to any consumer reporting agency.

Upon reviewing my credit report, I noticed multiple billing errors violating TILA 15 U.S. Code 1666 ( b ) billing error. These errors include : ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
The creditor did not notify me 21 days before with a statement, and therefore, there should be no late payments on these accounts. I demand to see concrete proof from the creditor 's bank account that I did not pay and was marked late because this is clearly a billing error. The following account should be updated as agreed on my consumer report : XXXX XXXX XXXX XXXX If these accounts are not updated promptly, I reserve the right to seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. I have already submitted this complaint to the Complaint portal for the State Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission.
Product: Bank account or service

I retired from my job at the age XXXX where I had an HSA account. I was later contacted by Chase XXXX operations that I had to fill out a form to get my XXXX balance sent to me since I no longer worked at the company. Twice I called and twice I did not get the form, so I have yet to get my balance, approximately {$3000.00}. I am XXXX and on social security. I need these funds returned to me.
Product: Credit reporting or other personal consumer reports

I submitted this information originally on XX/XX/XXXX. I am disputing the charges of {$470.00} charged to my account TWICE by the merchant ( XXXX ). I canceled my credit card with XXXX XXXX because clearly there is no oversight ( security ) of charges on their credit cards. It is proven merchants have the authority to charge whatever they choose without input from the cardholder. 
I rented the XXXX  on XXXX XX/XX/XXXX and returned it and placed the key in THEIR secure lock box on XXXX XX/XX/XXXX. I was informed by an employee of the agency ( third party XXXX  ) that they dont always check in the vehicles daily ( how fortunate for them, they get to charge customers more whenever they decide to check the vehicle in ). 
The problem I have is that I am being charged for five days, using prior authorization because they did not have my credit card, which means I was not in the store five days later!!! XXXX XXXX is on a Friday versus a weekend, I would have been in the store to return the vehicle and would have BEEN AWARE that I was being charged an additional {$470.00} for the vehicle. 
It is apparent to me that this location practices overcharging their customers because they even charged 4 small fees prior to making the additional {$470.00} charge and XXXX  XXXX never questioned it or notified me!!! The XXXX was actually charged to my account several times. 
XX/XX/XXXXXXXX XXXX  {$3.00} XXXX XXXX  {$2.00} XX/XX/XXXXXXXX XXXXXXXX  {$2.00} XX/XX/XXXX XXXX {$2.00} As a result, I have requested my account be closed. It is clear to me XXXX XXXX does not have my best interest in mind. You are more interested in ensuring the charges apply. 
I will pay every XXXX that I made on this card and not XXXX XXXX  I didnt.
Product: Credit reporting or other personal consumer reports

I am writing to address violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681-2, regarding the handling of my personal information by XXXX, XXXX, and XXXX. 

Under 15 U.S. Code 1681-2 ( a ), consumer reporting agencies such as XXXX and XXXX are mandated to ensure fairness, impartiality, and respect for consumers ' privacy rights. It is evident that my private information has been shared without my explicit consent, contrary to the requirements of the FCRA. 

Furthermore, under 15 U.S. Code 1681-2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information to consumer reporting agencies. Despite this, XXXX and XXXX have reported adverse information about me without my permission, violating my rights under the FCRA. 

Additionally, 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of the FCRA. XXXX and XXXX 's failure to do so demonstrates a lack of compliance with this provision. 

Moreover, under 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am formally exercising my right to opt out of your reporting services. 

In light of these violations of the FCRA and related regulations, I demand that XXXX, XXXX, and XXXX take immediate action to rectify these issues. Specifically, I request the removal of any inaccurate information from my credit report and the cessation of any further unauthorized sharing of my personal information. 

I expect prompt acknowledgment of this letter and a detailed plan of action to address these violations. Failure to do so may result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and i'm submitting this complaint myself, and there is no third party involved. Concerning a previous dispute with confirmation number # XXXX. Equifax says the alleged account was investigated and verified. according to 15 USC 1681 ( a ) ( e ) they must interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Equifax did not interview any of my neighbors, friends, or associates. therefore they are in violation of 15 USC 1681 ( a ) ( e ) and owe me {$1000.00} for violating my consumer rights, and they must delete the account from XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted XXXX  Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these mentioned derogatory items be and permanently removed from my report. 
I sent a copy of my report to the credit bureau showing all the inconsistencies and errors on my report which was reporting I highlighted all of the issues and I didn't get anything back but a reinvestigation which I didn't not ask for I wanted those item to to removed because of the inaccuracies on my report I also ask for the address to be updated and that has not been updated this company has not done anything but violated my rights as a consumer they have had more then 45 days to resolve the issues and it's hasn't been resolved yet.
Product: Credit reporting or other personal consumer reports

I submitted copy of identification 3 times, copy of SSN 3 times, I submitted Utility bills 3 times, I submitted paystub all reflecting current address of 7yrs 3 times. Bureau continue send stall letters instead of correcting the misinformation after submitting the recommended documents they requested to verify my address.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with reporting agency, to remains unsolved. 
XX/XX/XXXX my vehicle was repossessed. I made a phone call to Chase Auto Finance department to figure out what happened. I was told by a Chase representative that I would be taken to court. The representative told me a date that I allegedly received the notice of repossession XXXX XXXX XXXX. I looked through my mail and told the representative that I never received this notice. The representative said I had to pay off the car completely in order to get it back {$27000.00}. I then made another phone call the Auto Finance department XX/XX/XXXX and a rude representative she then told me I had another date I allegedly received this repossession notice that I told her I never received with was XX/XX/XXXX. She claimed that I had returned mail as she was typing on the computer to change the information. I asked her when I made on time payments why did they report to my credit I was behind 60 days ( XX/XX/XXXX on time, XXXX XXXX 60 days behind and XX/XX/XXXX on time ). She could not give me an explanation instead she had an excuse and was being rude about the situation. I email XXXX XXXX of Chase myself on XX/XX/XXXX. I received a phone call from a XXXX XXXX XXXX ( XXXX XXXX XXXX ) he told me not to contact XXXX anymore and that he would handle the investigation. XXXX XXXX asked me for dates of the last representative I had spoken to on the phone call he informed me that he did not see a notice of repossession date and that I did not any returned mail. The morning of XX/XX/XXXX I received another phone call from XXXX XXXX in this conversation he is now saying the complete opposite of the previous conversation that him and I had. Upon this phone call XXXX XXXX has taken up the price of the initial principal of the vehicle to {$28000.00}. He informed me that I have until XX/XX/XXXX to refinance the vehicle with another lender. He also was typing on a computer to change the information in their system. This company has been adding on fees and has now damaged my credit report. The information this company is reporting is inaccurate and this is fraudulent reporting to my credit report.
Product: Credit card or prepaid card

I was charged too much interest on a {$18.00} balance. My interest rate is 21.99 %. I was supposed to be charged XXXX, a little under {$4.00}. My balance on XX/XX/22 was {$18.00}. I was charged two and a half times interest on a balance that was only {$18.00}. Apple/Goldman Sachs Bank is not giving me a clear explanation as to how they will rectify charging me double the interest rate for a {$18.00} balance. It is against the law to charge me double the interest rate.
Product: Mortgage

I had a reduction of income hardship due to XXXX I had reduced hours and forced career change. After having XXXX in early 2021, I couldnt return to normal duties at work. I lost my XXXX endorsement. I was not able to pass my XXXX XXXX XXXXXXXX XXXX  due to the XXXX XXXX  of XXXX on my body. Im dealing with XXXX  to get my endorsement back. After I regained normal energy and XXXX XXXX, I focus on XXXX XXXX and not XXXX XXXX. Ive been able to make study payments but due to my loan status Loan Depot I couldnt accept any of my payments. I have a consistent work history and I can make consistent payments.
Product: Debt collection

I am being sued by midland funding ( encore ) for XXXX. They are claiming breach of contract. Court date is XXXX XXXX, 2016. The document presented to me as chain of ownership, are generic & can be used on anyone. They just typed a number or used a water mark on all the affidavits & give no specific information. The statement they used, looked like a generic template. Them there was a plain white sheet of paper, with some personal, but easy to get information. When I answered their questionnaire they asked me for my bank & bank account number, it stated that this was not pertinent to the case. I said that I disputed owing Midland funding any money & That I owed XXXX bank zero money. They motioned for a summary judgment, that I did not answer in a reasonable time, stating that I did not answer all the questions & that I did n't dispute that I owed money to XXXX. That their claim is valid & that they should be awarded money. I answer that I did not owe them the money, never received the papers they said they sent ( I did n't ), until I saw the motion for summary judgment & answered them & that I denied owing them any money & that I disputed the validity of their affidavits. Sited lawsuits against them for these very reasons. 
There were given until XXXX XXXX to answer. I received an answer on XXXX XXXX, postmarked XXXX XXXX. Which did n't give me any time to prepare a good answer, as that was a weekend followed by a holiday. They answered back that those lawsuits were inflamitory & should be stricken & that since I never denied owing XXXX XXXX bank the money & stressed this as the most important issue, that their claim was valid & they should get a judgment on that alone. 
I do n't have digital copies of their statement, but can provide copies in the mail.
Product: Debt collection

I am writing to dispute the following information that appears on my XXXX, XXXX  and XXXX  consumer report. Online Information Services is reporting inaccurate data to these credit bureaus. I didn't receive a validation letter. I'm not familiar with this account. I have asked them to remove this account because its really bringing down my score. If its not remove/ deleted ASAP, I have no option but to sue this company.
Product: Money transfer, virtual currency, or money service

OnXX/XX/2020 I received an email from PayPal that they have permanently limited my account, the email reads as follow : " Hello, XXXX XXXX After a recent review of your account activity, we've determined you are in violation of PayPal 's Acceptable Use Policy. As a result, we've permanently limited your account.

Please remove all references to PayPal from your website ( s ) and/or auction ( s ). This includes not only removing PayPal as a payment option, but also the PayPal logo and PayPal shopping cart.

Per the User Agreement, when PayPal permanently limits an account due to an Acceptable Use Policy violation, any funds on your account are held for 180 days. After 180 days, if applicable, we'll contact you with information on how to withdraw any money in your PayPal account '' After not knowing of any wrongdoings I tried to contact them by phone the following days but was not giving any information on how I violated their policy, the only response from them was that its an irreversible decision.and there is nothing to do. so with nothing to do my only thing was to wait, I had over $ xxxx in the account and they wrote that they will let me withdraw the money
after 180 days, but lo and behold On XXXX XXXX they deducted the amount I had, to themself ( Writing in the Memo that its a

payment to PayPal for the damages caused by acceptable use policy violation ). this is unacceptable and inexcusable I need an explanation and they should deposit back the money into my account.