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

I am writing to formally complain about the ongoing issue I have experienced with my account. On XX/XX/year>, I purchased {$19000.00} worth of XXXX ( XXXX ) through Venmo. Since then, my account has been closed without any explanation or prior notice. 

Despite my repeated attempts to contact your support team via phone, chat, and email, I have received no clear response or resolution to my issue. I was informed that my funds would be held for XXXX  days, yet I have now been waiting for almost XXXX years. During this time, my funds have not been released, and I am unable to access my account at all. It seems that my account has either been deleted or permanently locked. 

What is most concerning is that I have not received any communication from Venmo in a long time, and I am being completely ignored. This situation is causing me significant financial distress and frustration. I have made numerous efforts to resolve this matter, but the lack of response and clarity is unacceptable. 

I request an immediate investigation into my case and a clear explanation as to why my account was closed and why my funds are being withheld for such an extended period. Additionally, I demand that my funds be released without further delay. 

Please consider this a formal complaint. I expect a prompt response with the necessary actions taken to resolve this issue. 

Sincerely,
Product: Credit card

I wanted to buy some furniture for my new apartment from IEKA. Oeople work there suggested me to apply for IEKA Projekt Credit Card due to its installment plans for up to 24 months with 0 % APR. then I applied for that Credit Card. I got it in 2 weeks. I am picky on applying for cards or loans do to my inquiry issues. That is why I decided to at least apply for this card and get the chanc to pay monthly, as costumer service in IKEA suggested. I did my ourchase on Saturday and cashier told me we can not do the instalment plan, we have no idea what it is?. Then, manager came and said ive never heard anything like this.! I called comenity bank on Sat, Sun, Mon, Tue. They tried to transfer me to payment section. After waiting for 20-45 mins, dropped out of the connection. Even a representative gave me 2 fake numbers ( see here XXXX XXXX XXXX XXXX ) None of the representatives talk proper enhlish, confused about how many XXXX in the number!!! I gave up today! That is why I wanted to open a complain in here! 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act. XXXX  Account Has Violated My Rights. ( 1 ) XXXX XXXX {$1000.00} acount # XXXX. ( 2 ) XXXX XXXX XXXX  ( 3 ) XXXX XXXX XXXX acct # XXXX {$910.00}. ( 5 ) XXXX XXXX  acct # XXXX  {$400.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I applied for the American Express Gold Delta SkyMiles Business credit card on XX/XX/2018. There was a promotional offer attached to the credit card to earn XXXX bonus miles after making {$1000.00} in purchases within the first 3 months of card membership. 

Before my credit was ran and applying, I was NOT advised any message regarding not being eligible for this offer. 

I applied for the credit card as normal, and received it the following week. On XX/XX/2018 I decided to check the status of the promotional welcome offer. I have attached the chat from XX/XX/XXXX where the customer service rep stated that the offer had been declined by the back-end team. 

Extremely upset because I also received a letter from American Express on XX/XX/XXXX, stating that I was shown a pop-up with a warning that I would not be eligible for the offer BEFORE applying & running my credtNO SUCH WARNING WAS SHOWN TO ME.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

Got a " update '' of the Deposit Account Agreement. Here is a copy from the document : " WE ARE UPDATING OUR DEPOSIT ACCOUNT AGREEMENT On XXXX XXXX, 2016, we will publish an updated version of our Deposit Account Agreement so that it is easier to understand. The updated agreement will be available on XXXX, at a branch or by request when you call us. 
Please read the entire document, paying special attention to these sections : - Deposit Records and Receipts ( page XXXX ) : If you deposit an amount that is higher or lower than what is on the deposit receipt, we are not required to adjust your account for discrepancies of {$10.00} or less. See below for the full paragraph that has changed. '' This seems a unilateral and unreasonable change in the contract for banking services.
Product: Debt collection

I believe there is plenty of evidence to show that I never received my payday loan. I think I requested it in XXXX, and the first collection attempt was around XXXX. I explained to one of their agents that I never received the payment and that I had proof of it. I mentioned their recording system, as I believe they record all calls. The proof I need is that the agent entered my credit card information incorrectly, resulting in me not receiving the payment. I have bank statements from around that time showing no evidence of me receiving the payment. Despite this, I have received threatening letters, calls, and my credit score has been affected.
Product: Debt collection

I actually paid this debt to XXXX creditor, as I called to see if I could get the payment lowered and start paying on that amount. I was told it was taken care of and now I see it listed as a deragatory mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX  Account Number : XXXX Delete account for failure to failure to perform an investigation 2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$6000.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
XXXX. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$600.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report.
Product: Credit card or prepaid card

I set up a payment to keep the account from being charged off and it was pulled back by the bank who I currently have a disputed as well and as a result they closed my account and sent it to collections
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I am authorizing a complaint on my behalf I cant believe you guys are taking advantage of me I am very upset the credit bureaus have not responded to me about my investigation I sent a letter/dispute I need these accounts deleted & updated these are the items I demand to be deleted.
Product: Debt collection

I found a collection on my credit report for the amount of {$53.00} from Plusfour Inc in XXXX XXXX NV, from XX/XX/XXXX. I contacted Plusfour in XX/XX/XXXX to inquire what this was from, it was from an XXXX XXXX Clinic in XXXX XXXX ( I  live in MO ). I was listed as insurance provider, when my ex wife took my daughter there. All bills from XXXX XXXX   and attempts to collect from Plusfour had went to my ex wife in XXXX NV. After figuring out where this debt had came from and even proving Plusfour with my personal information, I wanted written notification this debt was in fact owed. I figured it would be easier to just pay the small amount rather than dispute. I have yet to receive proof that this debt is in fact legit as of XX/XX/XXXX.
Product: Mortgage

I got behind due to an unfortunate unlawful incarceration which I 'm trying to recover from and i explained the situation to them and they were very willing at the time to work with me they stated they wanted  XXXX  payments right away I sent them  XXXX  cashiers checks on  XXXX  they sent a statement in  XXXX  and the payments were not reflected on the statement and when I called the stated they never received them so i sent them confirmation and never heard anything back from them then on  XXXX  I received the cashiers checks back and they were stamped with they deposit info so they held them a month stated they never got them then sent them back asking for  XXXX  they returned almost  XXXX
Product: Debt collection

I requested documentation of the contract agreement of debt owed. Company did not respond within 30 days to show proof of contract. No supporting documentation has been sent to me.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Wells Fargo Mortgage three times requesting proof that that I my loan was paid for less than the full balance. All they do is to write me and say that I did not fully pay off the mortgage even though my balance is showing XXXX. They never sent me any pay history showing details ... .That is not sufficient proof. They should be providing copies of every monthly statement for the year XXXX.
Product: Checking or savings account

My grandmother died XX/XX/XXXX. I was the beneficiary on two of her accounts. We did this in XXXX prior to the XXXX merger to PNC, and verified I was listed as the sole beneficiary on her accounts in XX/XX/XXXX after the merger. It took a while to get her death certificate, but when received I went into the PNC Branch to close her accounts. To my surprise, after several trips between XX/XX/XXXX, XXXX, and several days between then and now I learned that the bank put a hold on one of her accounts until XX/XX/XXXX, and also had my deceased uncle as a beneficiary even though he died and was removed before XXXX... The other account was listed with no beneficiary. I provided paperwork to show me as beneficiary on the original account since the bank didn't provide anything when they converted, but they refused to acknowledge the pre-conversion paperwork, and directed me to Social Security and Treasury to remove the hold. I spoke with both and neither reported anything to the bank, they did it on their own, as well as sending back 3 Social Security payments from before she died. I have been back and forth to the branch and their customer service line with no real help on removing a multi-month hold from my deceased grandmother 's account, or any attempt at finding original beneficiary designation pre-conversion. At one point I made some headway with customer service, but then got disconnected when attempting to transfer to an appropriate person. Called back immediately and was refused to be transferred.
Product: Prepaid card

The issue first began on XXXX XXXX when the company tried to switch to a payment system with XXXX and ran into a technical malfunction. Since this has happened I have had no access to my monies. No access to my account what so ever. I ca n't access the website, I ca n't access the mobile app and when you call customer service you either wait on hold for hours and then get hung up on or you get hung up on right away. I have had XXXX major direct deposits go in there and I ca n't have access to them. They were suppose to be looking into this but at this point no one has returned my call and no one answers the phone.
Product: Credit reporting or other personal consumer reports

Affirm Inc is not my account and was opened fraudulently XX/XX/XXXX in the amount of {$5200.00}. XXXX hasn't removed this account because the lender won't remove this account. I need this removed from my account as soon as possible. They did a lazy investigation and claimed I didn't report this sooner. I reported this XX/XX/XXXX that was ignored even though they said this account was opened in XXXX and the loan was taken out XX/XX/XXXX without my knowledge. As soon as I notice I explained this wasn't me and where is the proof? What bank account did these funds appear? I never received the funds and this is the only late payment account showing on my credit report which has hinder many opportunities for me. Costing me hundreds of thousands of dollars.
Product: Credit reporting

Hello, XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) is reporting the reporting the dates of an old debt as a current debt. My original debt was opened XXXX/XXXX/XXXX ( confirmed in their Account Summary Report ), however XXXX is reporting the date they acquired the debt XXXX/XXXX/XXXX ). I would like this information updated on my XXXX credit reports to the correct dates. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I opened the XXXX trade line on XX/XX/XXXX. The first delinquency was reported over XXXX years ago in XXXX. On XX/XX/XXXX, I spoke with a XXXX in the Special Collections Department and verified that this account was paid. She advised that XXXX one would not XXXX account information since account opening to contest the delinquency reported to the credit reporting agencies. I have requested that the derogatory information be removed as it violates the Fair Credit Reporting Act. The company or credit reporting agency has not provided any documentation on how they are justifying this debt still remaining on my credit report. The furnisher and credit reporting bureaus are acting unethically, unlawfully and willfully engaging in wrongdoing. The account is XXXX XXXX XXXX and paid. The FCRA laws that has been violated is : Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report bad credit information is removed after seven ( 7 ) years. FCRA Section 6:05 B, it is illegal to report information on my credit report. without my permission. According to the Fair Credit Reporting Act 15 USC 1681 section 602 it requires promptly modify or deleting the information, or block its reporting. In Section 623 ( b ) ( 1 ) ( E ) and Section 623 ( a ) ( 5 ) If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. With that all considered, this file should not be reported on my credit report. It passes the statue of limitations. One of the credit reporting agencies, has already deleted the file ( refer to report no. XXXX ). The information remains with XXXX credit reporting agencies including Equifax and XXXX.
Product: Credit reporting or other personal consumer reports

This complaint serves as a follow-up to my recent grievance, emphasizing the urgency of my request. I reiterate my plea for you to promptly initiate the removal of the specified inquiry from my Equifax credit report. Given the substantiated nature of my claim, I trust that you will expedite the elimination of this inquiry at your earliest convenience : XXXX XX/XX/2023. I implore you to honor my request and expunge this inquiry from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  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 also states a consumer reporting agency can not furnish an account without my written instruction.

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 7 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 a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

TransUnion failed to properly investigate erroneous information on my account. 
XXXX XXXX  Delete the bankruptcy. 
XXXX Deleted the bankruptcy. 
XXXX deleted the bankruptcy. 
Only TransUnion insisted that they have no intention to delete and they are refusing to produce the documents that proof it is my Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against XXXX XXXX XXXX because of a denial of a student loan. They contacted me and told me that they can't appeal their decision due to the XXXX score received from Equifax. Equifax offers a product called XXXX XXXX XXXX, which provides a XXXX score from 0 - 600. Mine was reportedly in the low 100s, indicating that I would most likely claim bankruptcy in the next 24 months ... This is news to me. I have reviewed my credit report and I have never been late on a payment, no liens, no judgements, ever ... My revolving balances are less than 50 %. I have over {$50000.00} in liquid assets, plenty of equity in my house, yet Equifax arrives at this score. When I called Equifax twice, I was on hold 45 minutes the first time and over 1 hr the second time. The first representative said they don't offer the XXXX product, despite it clearly being on their website, which I tried pointing out. The second gentleman was also no help. I pay two of my credit cards in full each month, the remaining are on 0 % interest, which I would use my liquid assets to payoff at the time of the promo expiration. I believe because I have never been late, with no liens, judgements, or under 50 % utilization the score they are providing and cant explain to me is unfair and unjust. Due to this I am unable to obtain a refinance of my student loan to cut the interest rate in half, XXXX XXXX is putting the reasoning entirely on the score provided by Equifax, which no one can seem to provide reasoning for it being so low or how it is calculated.