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

Transunion XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear Transunion, I just received my investigation results. Report # XXXX and saw accounts were verified. However, I have a few questions. What did you update? What did you modify? What did you verify? Did you really investigate my accounts? 
If you did, why is the open date different on the 2 other bureaus? Why is the date last active different? Why are My accounts still inaccurate? 

XXXX. ) XXXX XXXX XXXX  balance {$33000.00} Charged off as Bad Debt. Please provide the procedure of the investigation used to verify this account. Delete this account due violations of 15 USC 1681i ( 5 ), 15 USC 1681 e ( b ), 15 USC 1681 s-2. 
XXXX. ) XXXX XXXX XXXX {$490.00}. Delete this account due violations of 15 USC 1681i ( 5 ), 15 USC 1681 e ( b ), 15 USC 1681 s-2. 
XXXX. ) XXXX XXXX XXXX XXXX {$5100.00}. Delete this account due violations of 15 USC 1681i ( 5 ), 15 USC 1681 e ( b ), 15 USC 1681 s-2. 


Best Regards, XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to Experian, XXXX, and XXXX to delete this account that is older than 7 years on my credit report. They have been ignoring my requests. So I sent a letter directly to XXXX XXXX, pretty much asking them to stop reporting an account that is older than 7 years old because that is against the law. Instead of deleting it, they sent me a contract as their " proof '' of reporting. But what good is providing proof of a contract when the contract clearly says XXXX on the header of the paperwork ( attached ). It is XXXX! Also, XXXX is not reporting because they are aware that it is past the 7 years statute for reporting time. Delete the account with XXXX XXXX ( Account # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against a company known as " XXXX XXXX XXXX XXXX XXXX ''. This company is attempting to collect on a debt that has already been paid. When I called to get the information on the account they were extremely rude and misleading. First and foremost, the company did not provide validation of the debt even after I called them on and emailed them on XXXX/XXXX/XXXX. I sent them a receipt for the debt that was paid and when I paid it with XXXX XXXX. Secondly, I called XXXX XXXX XXXX XXXX XXXX XXXX and had them confirm there was absolutely no other debt owed, or sent to collections. XXXX XXXX XXXX XXXX XXXX XXXX mailed me a document with all the account number showing everything has been paid and resolved. I am filing this complain because this needs to be removed from my credit as it is effecting me negatively. Especially in which the way they are reporting the trade line. This medical claim was back from XXXX/XXXX/XXXX, they have it reported as being opened on XXXX. Needless to say, this should be removed as I do not owe anything to this company.
Product: Mortgage

I am in forbearance and have been given a trial modification. Payments are to be received by end of month. I made the required payment on XX/XX/XXXX via XXXX XXXX. I called in the following week due to the holidays to be told the payment had no been received. I would need to email a copy of the receipt, which Cross Country Mortgage would review and apply accordingly to my account. I have seen a few changes with my account and called in to question them. I was told the process of review would be complete my Friday XX/XX/XXXX. I also informed the rep at this time that XXXX 's payment was made the same way and I have sent an the email for application to my account. I provided the Money Control Number for the transaction. Today XX/XX/XXXX I call to hear that I have a new modification plan with a payment XXXX} higher and that the payment has not been applied as previously stated. The communication is poor and contradictory.
Product: Credit card or prepaid card

On XXXX I submitted a letter to capital one that I was disputing their 30 days after speaking with a customer service agent that a mistake had been made. It had been reported even though I made the payment. My initial payment was returned and as soon as I noticed that this was a problem I made the payment again. My bank rejected the payment due to a charge on the account that I didn't authorize. I explained this and the agent told me it would easily get resolved by a letter and that was the only thing to do. I waited for over 60 days and received a letter back that since I already had a dispute from several years ago there was nothing they could do. This was an old credit card that they decided to cancel unexpectedly after I made a XXXX dollar payment, the entire credit limit, expecting to be able to use the credit. I tried to use the card and it was declined to my dismay, I then called to learn it was just canceled, all they said was that a term of the agreement had been violated by a return payment. How many return payments does this massive bank have? This entire card was a robbery for my entire 20s with their ridiculous interest rate and pennied rewards. This has a hostile and horrible action that has only been exasperated by the pandemic. The payment was made and the rest of the account 's balance was paid off on XX/XX/XXXX. They need to honor the commitment made by their customer service representative that the situation would be handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$18000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$550.00} ), XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4400.00} ), XXXX, XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX ( Date Opened : XX/XX/XXXX Balance : {$1100.00} FL XXXX XXXX XXXX XXXX MD XXXX, XXXX ( Date Opened : XX/XX/XXXX, Balance : $ XXXX XXXX XXXX  XXXX XXXX MD XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX ) XXXX Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I received a check from XXXX XXXX XXXXXXXX and deposited on the XXXX of XXXX. 
it is now XX/XX/XXXX and i still havent received my money.
Product: Checking or savings account

I opened a HSBC checking account that had a {$200.00} promo bonus advertised. I met all the terms and the promo was never credited. I contact the bank multiple times by secure email and chat. Each time they said they would look into it and I never heard anything back. Pathetic and unprofessional practices wasted a large amount of my time. They should be fined and/or sued.
Product: Credit reporting or other personal consumer reports

I disputed incorrect information contained in my credit report in a letter dated XX/XX/year> ( please see enclosed copy ). I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. I have also attached an invoice for the violations your company committed by continuing to report this account. Payment is to be remitted to the address on the invoice.
Product: Credit reporting or other personal consumer reports

I have not permitted this inquiry. I did not engage with this lender on the given date.
Product: Money transfer, virtual currency, or money service

I opened a Venmo account back in XXXX and they placed a freeze on my account I provided the requested documents to them. Then they decided to suspend my account and close it when I had a balance in the account. They told me I had to wait up to 180 days for the funds to be available couple days ago I got a email stating that my funds are now available to withdrawal via bank transfer only. I go to add the bank account information and it gives me a error and when I try to add it then I reached out to venmo support who then tells me that the account is once again frozen and want me to upload my id and proof of ownership of my bank account and i did. And now I am getting excuse after excuse and I just want to withdrawal my funds that they made available for me to withdrawal. I have called and got told fifteen times that is has been escalated to another team that I can not speak to. I just want the freeze to be lifted so that I can transfer my funds to my bank and be done with Venmo for good. They don't seem to want to do anything with this issue and it has come to this for me to file a complaint against them.
Product: Credit card

I missed XXXX payments on my Capitol One CC, XXXX & XXXX of XXXX. In XXXX, on XXXX, I called to ask about XXXX XXXX. I spoke with XXXX. He went over XXXX options and I chose the plan I knew I could commit to. XXXX read the plan rules to me and told me a letter detailing them would be mailed to me. I chose {$47.00} a month for 9 months, payments due the XXXX of every month starting XXXX, ending XX/XX/XXXX. I told XXXX I wanted to sign up for XXXX and gave him my bank info. XXXX through XXXX payments were taken, {$47.00} on the XXXX. XXXX was not taken on the XXXX so I called Cap One and was told at that time the plan only takes the first 3 months automatically, and then auto pay ends and Id need to resign up or send a payment some other way. That made no sense to me as auto pay typically doesnt end until the consumer stops it. Cap One assed a late fee of {$38.00} the month of XXXX. I called Cap One and signed up for XXXX XXXX. After I got another {$38.00} late fee assed in XXXX & XXXX I called and complained. A case was made and the previous late fees ( 3 months ) removed. My plan paperwork does not have this 3 month autopay- then it ends details on it and that was not discussed with me by XXXX XXXX XX/XX/year>. 
I was assed a late fee every single month, they kept just rolling over, of my plan beginning XXXX up to and including XX/XX/XXXX. 
I called to request XXXX & XXXX late fee removal and told Cap One the liability here is theirs not mine, the plan details in question are not in my paperwork and Cap One already acknowledged the mistake. I was told by XXXX senior managers no more late fees will be removed and even though I completed my plan I can not access my Cap One card because the late fees showing prevent the release of me from the hardship plan. I want the XXXX late fees removed and access to my account back.
Product: Credit reporting or other personal consumer reports

Equifax and CFPB, I was a victim of identity theft and there's unauthorized hard credit inquiries that need to be removed immediately- please see below and attached. 

The unauthorized hard credit inquiries are - XXXX XXXXXXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX Please see attached for my drivers license, social security card, address, and FTC complaint By law these need to be removed within 4 days and expect them to be. 

Your inability to remove these has greatly damaged my credit and its unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I contacted XXXX XXXX about a charge that I was 2 days late. The payment showed submitted on my end, yet didn't complete on theirs. As I am in the IT industry, I know how this can happen. I was told by XXXX XXXX that if I paid ( this was 2 days after ) they would refund the late fee and all would be well. I was told to pay over the phone. I did so. As I don't ever use this card and haven't for years, I normally do not look at the account every month. 

In XXXX of XXXX, my credit report was pulled. As a result of my credit score, the lender did not offer a favorable interest rate. When asked, they said my score wasn't that good, and I had a XXXX - XXXX late note. I was shocked. 

I pulled my credit and saw that once again XXXX XXXX was the reason. Although I had been told back in XXXX, the problem was paid for and fixed, it was not. I complained and after a few minutes a Supervisor refunded everything back to XXXX XXXX, even the interest. 

I filed a dispute with both XXXX and Equifax. These people did not do their diligence to investigate the claim. I was immediately told via writing, that the credit report was true. I sent pictures of the account which showed a XXXX balance, as well as the reversal of charges all the way back to XXXX XXXX. Even with all this evidence the " investigation '', was deemed to be correct. In other words I am lying. 

I have suffered because of this, I have received a less favorable interest rate on a loan, based off of this information. I have tried to contact all three parties involved only to be told that " the report is accurate ''. Well I would have to say that if they looked at my screenshots and actually investigated this, it would show that this was not correct. 

I have screen shots of the account, credit reports, etc. I will also be filing with the FTC, as this is incredibly wrong to do to someone. I am not sure when their last compliance audit was, but based on this, I would say they are overdue for some oversight. 

Thank you for your help in this matter, and facilitating this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to TransUnion asking them to validate some collections, charge-offs and a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am getting ready to send them my final letter with the intent of filing a lawsuit.
Product: Credit card

I made consistent and timely payments to both cards, from my Checking Account with the same company. 

The online webpage ledger for the checking account would show sufficient balance to make payments to the two cards ( same company ), yet the last 3 times, the payments failed. 

The failed payments do not show as transactions. 

When I called to complain, the woman said I could not rely on my online webpage, but that I needed to also consult emails and SMS texts!! I complained that that was not transparent. 

When XXXX tried to make charges and then refund, none of them showed the next day. 

They closed the credit cards. She said there could be no Appeal process. The other card is a {$99.00} Secured Card. I had one since XXXX and the other since XXXX.
Product: Credit card

XXXX XXXX pulled my credit on XX/XX/XXXX and said credit was frozen. Called all credit bureaus and they all said it was not frozen. I can't call Community Bank, I have to go to XXXX XXXX in order to communicate with Community Bank. Community Bank did not run my credit a different company ran it. They pulled my credit again on XX/XX/XXXX when I asked what was going on with my credit. My credit was run without my permission on XX/XX/XXXX. I tried to dispute with the people who pulled credit but they sent me back to the bank. Community Bank would not tell me who was running credit and would only transfer my call because it is a separate entity. At this point I want both hard inquiries removed. No longer want to do business with them since they can not pull my credit appropriately.
Product: Debt collection

After I got a new phone number I started getting calls about some past due account. I looked up the phone number and it was for Navy Federal Credit Union. I called them and told them I've never had an account with them and they confirmed it but they continuously call my phone number about it. When I answered today someone hung up on me. When I called back the lady said she couldn't find any record of me in the system but gave me the run around and wouldn't connect me to someone from the debt collections department. She pretty much told me she's sorry but she can't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Personal Loans,  XXXX   XXXX   XXXX   XXXX   XXXX  Ut  XXXX .  Discover  Reports to  XXXX ,  XXXX , and  XXXX  that an account Opened in  XXXX  which was included in Bankruptcy discharge as of  XXXX   XXXX  Has been reported as Recently closed and negative as of  XXXX   XXXX . This account was closed no later than  XXXX   XXXX  in which bankruptcy w as discharged. Discover has be en reporting since  XXXX   XXXX  showing recent status of delinquent account. There is no recent bankruptcy in  XXXX  as discover is reporting with this account.
Product: Credit card or prepaid card

On XX/XX/XXXX, around XXXX XXXX, my purse was stolen from a gym 's locker room. The burglar broke the locker room 's lock and took my bag and wallet. I reported the instance to the gym staff and police. At XXXX XXXX, I received a message from Capital One and ask me if I had made a purchase in XXXX # XXXX, and I replied that my purse was stolen, and I didn't make that purchase. 

I called Capital One later and told them my purse was stolen. However, the thief used my card and spent {$710.00} on XX/XX/XXXX at a XXXX. On XX/XX/XXXX, Capital One credited my account to a new credit card number {$710.00}. But on XX/XX/XXXX, Capital One returned the fraud charges to my account. 

I called the Capital One fraud department on XX/XX/XXXX, and the person helping me said she would take care of the issue. After a week, the charges remained on my account, so I called Capital One on XX/XX/XXXX. The person helping me said the investigation showed that I authorized the purchases. I asked her who was the person I authorized ; she said she could not tell me. I said, " If you can not prove that I approved someone to use my stolen card, how can you say I authorized the purchase? She told me it would take another 90 days to investigate the case. But I need to pay the balance first. So far, Capital One is still keeping the fraud charges in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

Bank of America will not cancel a home equity line of credit. They acknowledge the {$0.00}. balance and received the written request XXXX XXXX 2017. BofA claims a flood insurance policy has or will be, forced placed, as a " revenue enhancer '' to protect the {$0.00} balance. The home equity/ mortgage dept.says they have no control over this, and transfer me to the insurance dept. The insurance dept says it is entirely up to the home equity/mortgage dept and they transfer back to the home equity/mortgage dept. The two department do not agree as to the amount I should pay but they do agree my balance is {$0.00}. I have wasted several hours on the phone with BofA often getting switched between the two departments. In the XX/XX/2017 mail I receive a statement for XXXX balance with a insurance charge of {$3600.00}. ( This is the first bill I have received ). I called again today, and again got switched from dept to dept. everyone agrees this should be XXXX out, but not by their dept, the other dept has to handle it. They also said I would not get an insurance policy but they would send a certificate of Insurance although the starting date would over a month ago.. Today, I wasted another hour and a half on the phone with bank of America. 
I just want bank of America to stop this nonsense and close all my accounts
Product: Checking or savings account

Capital one has not deposited my paycheck into my checking account. They say there is a problem with a third party vendor. XXXX of XXXX my check was deposited by my employer but it is not showing up.
Product: Credit reporting or other personal consumer reports

ok so this account was opened with a promissory note, pursuant to the uniform commercial code this debt was paid in full since the inception of the account.

so being that this account has about 15 late payments I am going to present case law that should be clear and convincing evidence for this corporation to delete this information off my consumer credit profile is as follows XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX XXXX ) being that this account is misrepresented pursuant to the protections granted to me form the fair debt collection practices act which was passed by congress on XX/XX/XXXX and codified into Public Law 95-109. this is a fine that carries a {$1000.00} violation for every violation. since this company has reported 15 Late payments on multiple credit bureaus attempting to injury me, this beings a sum of {$16000.00} for the missed payments and the misrepresented accounts. being reported on the consumer credit profile, this is just one credit bureau, for Experian which is another {$15000.00} for a grand total of {$30000.00} in violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Product: Student loan

NAVIENT and XXXX have made it difficult to repay the loans they have requested and exuberant amount per month stating that I do not qualify for income based repayment which I do n't understand because I 'm a single parent with a teenager in XXXX. And when I tried to send what I could afford they said it was not acceptable. So I keep putting the loan in forbearance because I ca n't afford the payments and they make it difficult to pay.
Product: Credit reporting or other personal consumer reports

For the last 6 months I have been disputing the information on my profile that do not belong to me. 

XXXX XXXX Account Number : XXXX Amount Owed : {$960.00} XXXX Account Number : XXXX Amount Owed : {$480.00} XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$440.00} XXXX XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$1100.00} XXXXXXXX XXXX Account Number : XXXX Amount Owed : {$0.00} XXXX XXXX  Account Number XXXX XXXX Amount Owed : {$0.00} XXXX XXXXXXXX XXXX Account Number : XXXX Amount Owed : {$12000.00} XXXX & XXXX Reference Number : XXXX Amount Owed : {$610.00} XXXX XXXX XXXXXXXX Reference Number : XXXX Amount Owed : {$320.00} XXXX XXXX XXXX Reference Number : XXXX Amount Owed : {$960.00} XXXX XXXX XXXXXXXX Reference Number : XXXX Amount Owed : {$480.00}