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

am writing to dispute the information on my credit report related to the account with the account number XXXX. The discrepancies in the reported information are as follows : 1. Account Status Discrepancy : XXXX : Derogatory XXXX  : Paid XXXX : Paid 2. Monthly Payment Discrepancy : XXXX : {$0.00} XXXX : {$0.00} XXXX : {$0.00} 3. Date Opened Discrepancy : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX 4. Balance Discrepancy : XXXX : {$0.00} XXXX : {$0.00} XXXX : {$0.00} 5. Payment Status Discrepancy : XXXX : Current XXXX : Unknown XXXX : Current 6. Last Reported Discrepancy : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Comments Discrepancy : The comments on the account mention that it is " Settled - less than full balance '' and " Account legally paid in full for less than the full balance. '' These comments are inconsistent with the reported payment status. 
I request a thorough investigation into these discrepancies and urge you to correct the inaccurate information on my credit report. Please provide me with the results of your investigation and a corrected copy of my credit report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 37 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 37 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the person.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I initiated a dispute with XXXX  over a incorrect collections account from PRA they moved it to closed instead of removing. They added this new account ( XXXX ) under the banking heading with no information. This was removed from my report by the credit bureaus XX/XX/2021 and now just appeared but dated XX/XX/2021.
Product: Money transfer, virtual currency, or money service

I had my Venmo account for over a year now and have had no complaints this far. I felt as if I could trust a deposit of my tax refund to my Venmo account as well. As everyone knows taxes this year has been a waiting game and just on XX/XX/XXXX I received my taxes. I owe back rent from while I was struggling at the end of last year and my landlord was patient enough to wait until I received my taxes for payment. I couldnt figure out how to take a large sum of money out without paying atm fees and my landlord is not tech savvy so he would not be downloading Venmo himself. I opened up a bank account in my name locally and after I was notified it was active I decided to make a transfer of funds into my bank account. On XX/XX/XXXX I initiated a transfer of {$2900.00}. I did a standard transfer because I assume it was safest. I still had a balance of just under {$3000.00} in my Venmo account. I waited a few days and on XX/XX/XXXX I realized something was wrong when I couldnt make a purchase with my Venmo card, I looked into it. The app stated my account was frozen. I checked my email and seen in order to reactivate my account I needed to upload a picture of my DL or ID card. I did so promptly. I even called and spoke with an agent and they assured me they received my ID and it would take a few days for a different team to go over my account and unfreeze it. On XX/XX/XXXX I received a different email stating an account specialist went over my case and stated After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. 

The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 

I have been in a loop similar to this with XXXX XXXX card and waited so long to get {$200.00} from them after complaining to the FDIC and XXXX XXXX XXXX. I just received my tax return and for this to happen so quickly after waiting for money on that alone is very frustrating. If I could please get anyone to help me re-activate my Venmo account I would be very grateful.
Product: Credit reporting

TransUnion denied a copy of my free annual free report, despite my last free one being dated XXXX XXXX, 2015. Instead TransUnion sent a latter requesting payment of {$8.00}, or alternatvely sending a request to Annual Credit Report Request Service. The latter is what I did already, along with copies of my driver 's license and social security card.
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt that was paid by my security deposit. They failed to send the proper documentation in the correct amount of time after I moved out of the apartment. A walk through was completed and nothing was mentioned that any money was owed after move out. I didn't receive a security deposit letter advising me what I owed for or any pictures of the claimed damages. They also falsified documents stating that I didn't pay a security deposit in the amount f $XXXX. I have a letter and emails stating that the amount was received. The apartment complex changed management companies after I moved out and no one seems to have any information pertaining to my lease. This is completely illegal and needs to be removed from my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a transaction was made with REMITLY money transfer ( ref # XXXX ) to transfer $ XXXX to my account XXXX XXXX XXXX XX/XX/XXXXXXXX Acct XXXX XXXX. XXXX sent a confirmation stating that the money will be deposited by XX/XX/XXXX Appendix 1. 

On XX/XX/XXXX, REMITLY sent an email confirming the amount was transferred toXX/XX/XXXXXXXX. Appendix 2. 

I did not receive the funds on XX/XX/XXXX and still waiting for the funds to appear into my account. Appendix 3 ) My sister in-law ( the sender ) contacted REMITLY on XX/XX/XXXX reporting an issue, REMITLY opened a case and and requested my bank statement to demonstrate the funds have not been received. The bank statement was provided as proof that funds have not been received on XX/XX/XXXX. 

XXXX sent another email on XX/XX/XXXX with the reference number XXXX stating the money has been transferred and received. I check my XX/XX/XXXXXXXX account and the money has not been received. 

Checked for reviews and found REMITLY has been a repeat offender,XX/XX/XXXX website is filled with consumer complaints on REMITLY. Need your help in resolving this issue and more importantly holding REMITLY responsible for the actions. 

Find attached the reference documentation. 

I can be reached at XXXX for more details.
Product: Debt collection

Both XXXX XXXX and Bridgecrest Acceptance Corp. have violated me under federal laws though the retail installment contract. I have disputed the debt several time and have not received proper validation from neither company. This complain is to notify both companies THAT THIS ALLEDGE DEBT IS DISPUTED ( please see attached ). This complaint also includes my RIGHT OF RECISSION ( please see attached ) that was never disclosed during the credit transaction. The debt validation MUST come from the accountant of each company.
Product: Mortgage

I am working with a lawyer to attempt a loan modification and the most recent documents from the mortgage company states " account was reviewed and denied for loan modification on XXXX/XXXX/2015 due to debt to income ratio out of acceptable guidelines. Account currently no longer being solicited due to Cease and Desist placed on the account ''. 
Neither my lawyer or I am aware of where this statement originated from because I have been working with them for months to resolve this modification issue. Any assistance you can provide would be very helpful in working with my lawyer to acquire a loan modification on the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX BANK violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX BANK has violated this law because this late payment is reporting on TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX BANK has violated this law because this late payment reporting on TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX BANK has violated this law because they furnished this EXPERIENCE to TransUnion and I didnt give them permission to do so.
Product: Checking or savings account

I've had my Chime account since XXXX. I informed Chime before My check was deposited to let them that I would be receiving my tax return in my account. I was just letting them know ahead of time because it was such a large amount.I received my tax return in my Chime account on XX/XX/XXXX. It took them XXXX weeks of me sending the same documents repeatedly to verify my information for me to have access to my funds. So I feel that it took that long in the beginning. They should know that I am who I am.. I had access to my funds for a short period of time only to be locked out again. I sent them the exact same documents that I sent to verify my identity the first time. My account started at {$38000.00} and ended with Chime holding a little less than {$22000.00}. I asked questions to make sure that Chime didn't lock my account again. I followed what they said the rules were as far as limitations.Chime asked me to send in more documents to prove my identity I guess in order to unlock my funds. I sent the same exact documents. I literally sent the documentation and took a nap waiting for their response and I woke up to a closed account within 2 hours. I have called and emailed countless times which ran into months of trying to get my account unlocked. They ended up closing my account. I was informed that my closure refund wasn't eligible. 2 agents at Chime said that it will be mailed out. They kept giving me the run around and told me contact XXXX it was up to them. XXXX said that it was handled by Chime. I read the terms and conditions like Chime instructed me to do so I could figure out what I did wrong. I never got a clear explanation about why my funds were being held and what I could do to retrieve them. The terms stated the only way that Chime could hold my funds would be if the funds are fraudulent or under {$1.00} remaining in my closed account. My account isn't either of the XXXX terms. They even lied and said they sent it back tobthe IRS which I followed up on and that wasn't true. Can you please HELP me retrieve my funds.
Product: Credit reporting or other personal consumer reports

I requested a hard copy of my credit report and received instead XXXX CDs with no content on them. I was notified by a third party that my XXXX credit score had plunged XXXX points to XXXX or poor. This is a little hard to justify as I have no debts or delinquencies ; and there is no derogatory information. I have XXXX secured credit card with XXXX called XXXX and XXXX credit card with XXXX XXXX, both of which are up to date.TransUnion has nonetheless rated me a poor risk based on non-existant data. XXXX does this deliberately because they want to stay in the good graces of their primary clients, the big banks, who want the credit pool to be as limited as possible. This is called conspiracy. XXXX has made up out of whole cloth what amounts to defamation of me. Permit me to back up for a second and descibethe corrupt methods XXXX shares with Equifax and XXXX. A business, a XXXX client, reports as fact XXXX side of a dispute. Say AT & T claims they were not paid. The consumer, who is at a disadvantage, because he is not a client of XXXX, says XXXX XXXX XXXX couldnt hook up his TV. To add another layer, XXXX XXXX XXXX places the bogus debt with a collection agency who knows nothing about the dispute. When the consumer complains, XXXX verifies the debt with the collection agency which is ignorant of the facts. This is fraud. Once the facts come to light through the diligent efforts of the consumer ( me ) or XXXX years pass, the false information is deleted. The next phase of this sorry fandango is denial of credit because there is no credit history, for which XXXX is responsible. Consumers who successfully climb out of that conundrum are still defamed by XXXX and its unholy brethren because their credit usage is too recent. Back to Square One. XXXX is a knowingly corrupt enterprise. Their XXXX goal is to please the banks by eliminating as many creditors as possible. Again, my current XXXX credit score, a meaningless number concocted out of willful malice, is XXXX and not high enough to rent an apartment. If XXXX does not raise my credit score to XXXX by XX/XX/XXXX, I intend to file a lawsuit through XXXX registered agent, XXXX XXXX XXXX of XXXX, Delaware charging : invasion of privacy, fraud, conspiracy, conspiracy to defraud, defamation and intentional infliction of emotional distress. It is about time somebody stood up to these corrupt entities that ruin peoples lives. You have XXXX  days or legal action will follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX account that's on all XXXX credit Bureau 's that says I owe XXXX, it came back that it is my account by the consumer. So I called the collection agency and I have the call recorded which I told them I was a recording so I wasn't doing anything wrong. First I was hung up on 2 times because the people couldn't find my account through my name or social security number. I was so upset that my XXXX called back and spoke with them. To which again they said we can't find her account there is nothing listed for her. He and I both said then you need to take this off her credit reports, you can even find the account. to which their response was to hang up a third time. I called XXXX and was on the phone for XXXX hours trying to get this removed off my credit report and they said dispute it again, which I did and the company cam back saying the account was valid. I asked XXXX where was this opened at? They said in XXXX I have never lived and XXXX and followed up with how is it that I opened an account with XXXX which since has been removed off my report in XXXX Nevada then 2 months later open another account with XXXX XXXX XXXX. It shows all over my credit bureaus that I'm a victim of identity theft. I just found out yesterday that this person filed tax returns in my name which I will be filing a police report. But this company needs to remove this off. my credit bureaus. Ive done everything I can and I'm getting no where. It's source receivables. XXXX
Product: Credit card or prepaid card

I have had a credit card with Truist for years. Recently, Truist has begun charging " interest '' on the card even when there is no past due balance. This month, there was no balance carried over from the previous month and there were no transactions on the card at all. Notwithstanding this fact, Truist charged " interest '' on the account. I contacted customer service and could not get a coherent explanation from anyone about why they were charging interest on a card that had no outstanding balance and no transactions. The customer service representative said that " the system charges it '' and that she had no other information or explanation to offer. I suspect that whatever is going on here is happening to others as well and that Truist is counting on the fact that most people do not want to take the time to investigate or complain. Sounds like a consumer class action waiting to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a dispute letter about a Bankruptcy shown on my credit report, Equifax told me to contact XXXX because the bankruptcy was verified through XXXX and the clerk of courts, well XXXX and the clerk of courts both told me that Equifax has not contacted them about a bankruptcy on my credit report, XXXX do not show a bankruptcy on my file and informed me to contact Equifax, well Equifax sent a letter to me dated XX/XX/22 saying it was verified by XXXX. I have papers ready to bring to court proving Equifax lied, if this bankruptcy not removed ASAP
Product: Debt collection

I used to to be an XXXX customer and closed my accounts before moving everything to XXXX. When I check my credit report, it confirms that everything was closed before moving my funds to XXXX. 

When Citizens Bank took over many of XXXX XXXX clients, the ybegan calling about charges that were under my name that I did not make. It was very tricky to get anyone on the phone to speak to at Citizens and I never once received info about my account such as a card number or account number. Never once received anything from them. Couldn't get anywhere over the phone either since I never had an account with them. After speaking with someone finally, I was told the charges under my name ( which I did NOT make ) were gone and that faulty account was closed. 

A debt collection agency has been calling me daily for months now over this. Can not speak to them as they yell and accuse/do not have any answers. I no longer answer when they call because they continue to only accuse and I simply do not have info to provide about any Citizen accounts.
Product: Debt collection

I received an alert on my XXXX  account that I had been flagged for collections by Southwest Recovery Services ( SRS ). This was immediately concerning because I have an exceptional credit score and do not miss any payments. When I disputed the claim, it was updated and verified to have derived from XXXX XXXX. XXXX XXXX is a retail electricity provider who isn't even legally able to sell at my address. I contacted XXXX XXXX because I went directly to voicemail at SRS. They informed me that my address is in fact not serviceable by them and that the account doesn't match me. They requested that I contact the collection firm, SRS. When I spoke with SRS, they informed me that they don't have any documentation and that I had to go through a stringent credit removal process. They proceeded to say " Have a nice day '' and hung up. The problem is that this doesn't really effect me as I'm a high net worth individual. I can only imagine how they're treating others less fortunate than me.
Product: Credit reporting or other personal consumer reports

Company failed to investigate and remove XXXX XXXX. XXXX XXXX has already been flagged and removed from XXXX for being a fraudulent account attempting to collect funds that they are not entitled to. XXXX removed the account immediately following an investigation. Company failed to investigate issues just as they have other issues in the past. company also ignored CFPB dispute
Product: Debt collection

I cancelled my account with XXXX XXXX XXXX and paid my account in full. I received a call around a year later and I explained to the rep that I paid in full and sent her my receipt. She explained that the changed systems and my payment did not transfer over to the new system and that she would take care of it. Now my account is in collections
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This car was stolen on XX/XX/17 and the insurance company was in the middle of sending Capital One there money to pay this car off. The car was gone for over thirty days and I got another car. This needs to be remove a negative payments.
Product: Credit reporting

Unable to get my credit report the message was like this " Our records indicate that you received your annual free Equifax , XXXX and XXXX credit report on XXXX/XXXX/2015 ''. 
" A condition exists that prevents Equifax , XXXX and XXXX from being able to accepts your request a this time ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my daughter a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are many items and collection accounts on my credit that need to be removed. These items are not mine. Please delete. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX  XXXX {$100.00} XXXX XXXX {$6300.00} XXXX XXXX   XXXX {$1000.00} XXXX/XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$1700.00}