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

XXXX XXXX is reporting 8 student loans that I do not recall making from them as the borrower or giving my permission to service. All of my federal student loans were made through XXXX XXXX. XXXX XXXX is reporting the loans as having been last for four months in 2017. I was a student during the periods that they are reporting late payments. My other student loans are reporting as in good standing during the same months reported by XXXX because my federal student loans were in in-school deferment. I consolidated all of my student loans. The XXXX account has been closed for several years. My complaint is that ( XXXX ) XXXX is reporting a total of 36 late payment to the credit bureaus and, when I asked them to send me a copy of the contracts, promissory notes, or any other documentation that defines the actual loans made, for what school, and when, they sent me a short ledger page that had no discernable information on the loans themselves or how XXXX came to service them. Reporting 36 late payments on my account that I challenge requires XXXX to produce those documents upon my dispute. Moreover, since the loans were consolidated under a federal program, I am entitled to accounting so that I can check XXXX ' information against the individual loans in my consolidation account. Sending me a generic printout of something purported to be a balance sheet without supporting documentation is a clear violation of the FCRA and demonstrates a reckless disregard for the impact that their 36 late payment allegations have on my credit and potential debt obligation for loans that I did not take out from them.
Product: Money transfer, virtual currency, or money service

Venmo has banned my account a while back and has never told me why. I regularly NEED to use Venmo for work and they dont care at all. I need my account unbanned to make a living, but I still cant get anywhere with them. I believe there are still funds in my account, but even if there arent any, I am unable to make a living until it gets unbanned. Their customer service is absolutely ridiculous and has not been helpful at all.
Product: Credit card or prepaid card

I had a Chevron and/or Texaco Techron Advantage Advantage Credit Card, which is issued by Synchrony Bank ( XXXX ). They failed to reissue a renewal card in XXXX 2016, and then later closed my account. They gave me no notice that they closed the account - I had no idea until I logged in to check the account and found I had no credit line. I have never used this account - not once. When I spoke to XXXX ( Agent XXXX ), she said that they closed it due to " inactivity '' and that they would not reopen the account, but I could apply once again. This is improper, unfair and abusive. Any time the credit grantor closes an account, it is a negative hit to the credit report. I did nothing wrong. I did nothing to violate this company 's trust. Yet, they just caused a negative hit to my credit report.
Product: Credit reporting or other personal consumer reports

Hey there! 

I hope this message finds you well. I just wanted to reach out and discuss an issue I've been having with a list of accounts. It seems that these accounts have violated my rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ). 

I've already contacted XXXX, Transunion, and XXXX on XX/XX/23 to ask them to look into these accounts. 

However, they have informed me that everything is complete and accurate. I find this hard to believe, as there are discrepancies in the open dates, dates of last activity, and other important details. According to 15 USC 1681i ( 5 ), they should be making modifications to any accounts that are not reporting correctly. 

Furthermore, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is stated that no one should provide inaccurate information on to a consumer reporting agency. With this in mind, I kindly request that these items/accounts be removed immediately. 

I appreciate your attention to this matter, and I look forward to resolving this issue with your assistance. Thank you for your time and cooperation! 


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 XXXX XXXX. XXXX Warm regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a validation letter to XXXX XXXX, a Division of XXXX XXXX requesting validation for a debt that is listed as a chargeoff. The company has received this validation request on the XX/XX/2018 and has not been able to validate this debt. I have requested that they send me 1 ) Debt validation in the form of an original bill and detailed statement of procedures, 2 ) An agreement that authorizes them to collect this debt, 3 ) The agreement bearing my signature stating that I have agreed to assume the debt, 4 ) Valid copies of the debt and interest charges, if any, 5 ) Proof that the statute of limitations has not expired, 6 ) Complete payment history on this account along with an accounting of all additional charges being assessed, if any, 7 ) Proof that they are licensed to collect in my state and 8 ) The company 's license numbers and Registered Agent. The company has failed to provide me with any of the information that is listed but yet, they have responded to all three credit agencies that this debt is valid and they are continuing to report this chargeoff on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So there should have no late payments in my credit report so there should have no late payments in my credit report.
Product: Credit card

In accordance with the Fair Credit Reporting act the following creitors have violated my rights under : 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 an account without my written instructions. '' 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair '' credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may no treat a payment on a credit card.. account under an open end 443 consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint because after checking my credit report in XXXX I sent Equifax a letter with all the the information that did not belong to me along with proof of identification. 

ADDRESSES : XXXX XXXX XXXX PL XXXX XXXX XXXX, FL XXXX ACCOUNTS : DEPT OF XXXX XXXX XXXX {$1600.00} DEPT OF XXXX XXXX XXXX XXXX {$2200.00} DEPT OF XXXX XXXX XXXX {$3700.00} HARD INQUIRIES : XXXX  XXXX XX/XX/2021 XXXX & XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 They have completely ignored my request and have removed anything from my credit report. Nor have they responded to any of the mail I have sent them on more than one occasion. 

Can you please have them update my credit report with the correct information. I filed a new FTC report because I could not find the old one. 

when I spoke to representative of Equifax they let me know that I needed to attach that affidavit to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got the email about the XXXX data breach. Have been getting emails about my credit score decreasing from XXXX ( about 3 emails in the past 2-3 weeks ). One email said it was due to a new account being opened, which I did not do. 

Waited for some of the dust to settle after the data breach announcement, tried to check my report with XXXX. After entering all the sensitive data, which does not make me feel good in the first place, got a message about the request not being able to be serviced due to an overload on the system. ( why could n't this information be conveyed before all the sensitive data is transmitted??? ). 

It has been less than a year since my last credit report at experian, and I hoped that XXXX had fixed the problem and decided to try to request the credit report from them. Got a similar message about the server being overloaded due to the high volume of requests. 

I should n't have to pay for a credit report because one of the top companies supposed to be charged with protecting the data gets hacked. Guess I 'll have to wait till most of the damage is done if I am a victim of identity theft.
Product: Credit reporting

U.S Postal Certified Mail No : XXXX MN XXXXCc : XXXX, TX XXXX, GA XXXXTrans UnionXXXXXXXX, P A XXXXXXXX,2015RE : XXXX XXXX -REQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Minnesota Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:
Product: Mortgage

We used Draper & Kramer Mortgage XXXX to originate an FHA home loan. We closed on our home on XX/XX/2017. Our loan was almost instantly sold. The loan was then sold a second time within a year. The 3rd company that had our loan did an escrow analysis. They found we had an escrow shortage of {$5800.00}. I reached out to Draper & Kramer since our contact said he would always be there to help. I was confused how this happened. The shortage was a result of not enough money being collected at closing for our escrow account, not enough money being collected monthly in our payment, and our taxes going up. I understand the tax increase. But I cant understand how the loan originator made a mistake on the closing costs and monthly payment which is now putting my family in a bad financial bind. Their solution was to offer us an interest free loan to make up for their mistake. I do not feel this is fair. I do not feel I should now be indebted to the company that caused our hardship.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following unauthorized inquiries reporting on my credit report that I would like removed : XXXX XX/XX/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 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 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 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 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: Checking or savings account

I opened my Capital One 360 Performance Savings Account ( hereafter called " my account '' ) on XX/XX/2020 and had successfully transferred {$20000.00} into my account by XX/XX/2020. When opening my account, I used the active promotion " SCORE500 '' to receive a {$200.00} bonus after keeping at least {$20000.00} in my account for at least 90 days straight. Despite having at least {$20000.00} in my account for 90 days straight ( and counting, as it is all still in the account to this day ), which was supposed to automatically grant me the {$200.00} bonus that Capital One promoted, Capital One has not yet paid me the bonus. It has now been 165 days and counting, and they have not told me when I will receive the {$200.00} bonus despite my calling them several times since opening the account ( and since the 90-day period ended ). 

For more context : After around 120 days of the account being open ( 30 days more than I should have had to wait ), I called Capital One again to ask them where my bonus was, and they said that everything looked fine in my account and that I should receive the {$200.00} bonus no later than XX/XX/2020 ( well after I was supposed to receive it by ). I told them that I should not have to wait this long, but they assured me that I would definitely receive it BY XX/XX/2020, and quite possibly sooner than that. On XX/XX/2020, I still did not have the {$200.00} bonus posted in my account, so I called Capital One again and they said that, again, everything looked fine and I should be able to receive the bonus, but they need to file an internal report and it will take up to an additional 20 calendar days for me to hear back from them. Given that this is the third delay, I have lost all patience. No consumer should not have to wait this long from any financial institution to live up to their promises, and until I actually receive the bonus that was promised to me, I unfortunately do not trust that I will ever receive it ( despite them telling me that I will receive it ; after all, they already lied about the date by which I would receive the bonus, so how can I trust them to actually pay me the bonus in the end? ). I feel that Capital One is engaging in predatory business practices to keep my money as long as they possibly can. I expect to receive my {$200.00} bonus immediately, and I can only hope that Capital One is not systematically delaying the bonuses that it had promised others as well in an effort to not pay out as much interest on that bonus money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my annual credit reports. there is a company that on my XXXX XXXX XXXX report by the name of XXXX, XXXX XXXX XXXX XXXX. I have no idea who they are, I have not requested any credit, form any credit company in the past year. The inquiry says is from XXXX XXXX, I was traveling on XXXX XXXX was not even in the United States. Someone must have used my information, and now appears ad a credit inquiry from XXXX XXXX, XXXX. 


XXXX XXXX XXXX
Product: Checking or savings account

Spouse and I both work for XXXX XXXX XXXX. We both have direct deposit established to separate checking accounts with Wells Fargo. XX/XX/2023, Pay day for us, BOTH deposit were missing. We obtained the transaction ID from our payroll to Wells Fargo. Wells Fargo would not allow credits or any solution except to wait. No explanation, no eta. Our deposits were frozen for 3 days. 
This happened to many getting paid by XXXX XXXX XXXX to Wells Fargo accounts.
Product: Credit reporting or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; 2013 XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Mortgage

First, let me begin by saying we are half the issue here. There is accountability that we must own and we are willing to own. My husband pays our mortgage each and every month. Unfortunately, he pays each month late and willing to pay a late charge each month. We just learned that when we submit payment online by paying " Next Payment Amount '' that that total does not include the monthly late fee. Instead the late fees have been rolling over for several months. We now owe a large bill for late fees which appear on the monthly statement as " Total Charges ''. Based on what Seterus ' website indicates, it is fair to assume the amount needed would have included that month 's late fees. When talking with Seterus they are armed and ready to battle this complaint. They acknowledged that their website does not match their monthly statements. They explain it as a minimum due yet the website, when making a payment, does not indicate other charges or a past due amount or that there are other fees to reconcile. They are also quick to point out that they are not obligated in ensuring the information portrayed on the payment screen of their website matches their monthly statement. Their customer service is appalling. They are too preoccupied in stating their stance, extremely argumentative, condenscending and do n't listen to the customer they service. In fact, when I stated " ... this was the worst customer service I have ever experienced '', the response I received was, " ... that this was not customer service ... it is debt management. '' I have had bad customer service experiences before but this was just absolutely horrible/horrific! They are not solution oriented. When I asked for a solution, stated I feel mislead, and questioned why a company would let late charges keep rolling over month after month, their solution was to waive 18 % ... then because I was not willing to pay on the spot, implied to me that they suspect that we do n't have the funds to pay anyway and that the waiver was only good when paying on time. There are several lessons here for my husband and I, but we ensure or mortgage is current each and every month. There is no need to place judgement on us. Nor should they attempt aggressive predatory collection practices for {$1100.00} that we have little to no understanding of what these charges consist of to date. I would have appreciated a company who could have understood our plight and provided us a more accountable solution for both them and us. Their website should indicate the same information as their monthly statement or at the very minimum call the attention to us that there are these outstanding charges. It 's pretty clear we want to pay our monthly bill and that we were n't getting these charges were/are rolling over. We thought we had paid these charges each month when submitting payment of our monthly mortgage.
Product: Checking or savings account

XXXX I had discovered i had theft on my checking-saving accounts.The total amount was XXXXThe same day I notified Wells Fargo claims XXXX.who documented claims.The claims XXXX advised me to close my accounts.XXXX  Went to wells fargo spoke to XXXX XXXX closed accounts.I said what about XXXX. XXXX told it would be fine. XXXX fraud on my XXXX Called fraud dept. letters from Wells Fargo stating the transactions were from an online secure session by me or someone that had my authority.I have never used XXXX nor did i give authority.Since XXXX until XXXX have been denied. It amazes me that when i was back in the bank on XXXX i wanted my XXXX  removed I was told that it couldnt be by XXXX and XXXX but they could secure it.XXXX I received a letter from XXXX denied again but As of current im enrolled. I did not request!!! You want proof of my identity being stolen it was stolen. As this is a huge problem. I cant trust Wells Fargo for securing my money as they have had so many problems and well known for this. You lie saying everything is secure well nothing is secure!!!! Not even this so call XXXX.You dont back your customers. I am dealing with the FBI, FTC. Wells Fargo you are giving me the runaround.
Product: Debt collection

I believe this is MCM Midland Credit. This happened today XX/XX/23. An amount was not included on the voicemail. 

Received a call on my work phone from a person stating name is XXXX XXXX XXXX XXXX XXXX. Stating he was going to my employer regarding this matter and would be coming to my job. I never gave this place my work number so Im not sure how they got it. I never give out my work number. Provided phone number XXXX. 

This is not a way to collect a payment by false representing the company and call a persons job that never gave the phone number. 

Im sure they are probably doing this to other clients.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 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 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 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 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 XXXX