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

On 1XX/XX/2017 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2017. On XX/XX/2017 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Product: Checking or savings account

On XX/XX/year> I opened a Capital One 360 Savings account to start saving for my wedding. I received a few XXXX Payments, and Capital One informed me on XX/XX/XXXX that they were putting a hold on my account until they could verify the funds. I spoke with their representatives on the phone several times between XX/XX/XXXX and XX/XX/XXXX attempting to give them the information they needed, but they kept demanding more information about the people who sent me money, including addresses I did not have. We could not resolve the issue, and I was informed on XX/XX/XXXX that Capital One had chosen to close my account and investigate the account activity. I was also told the investigation would take no longer than XXXX  days, which we have long passed now. 


Since then I have received no word on the money in my account, except for XXXX XXXX dollar check they sent, to return the initial transfer I made to the account. The representative I spoke to on the phone today, XX/XX/XXXX, had no information to give me aside from that the account is still under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several lines of credit and other services. These applications resulted in fraudulent related inquiries into his XXXX, XXXX  and XXXX credit reports. Formal disputes of these inquiries were provided to the creditors however a credit report ( s )  obtained XX/XX/2018 has many of these know fraudulent inquiries still being reported. These inquiries are : XXXX credit bureau : Carvan, inquiry made XX/XX/2018, formal dispute was provided XX/XX/2018 ; no reply from that office and the data is still being reported. XXXX, inquiry made XX/XX/2018 formal dispute provided XX/XX/2018, still being report no reply from office. XXXX XXXX, inquiry made XX/XX/2018, formal dispute provided XX/XX/2018, still being reported and no reply from that office. These are violations of the FCRA and my clients, federal consumer rights.
Product: Credit card or prepaid card

OnXX/XX/XXXX, I sought the help of Chase Cardmember Services in an attempt to dispute services rendered from a third party. On XX/XX/XXXX, the dispute was closed in favor of the merchant without any ability to surrebuttal their claims. Because of this, I was forced to re-dispute this transaction on XX/XX/XXXX. On this same day, I provided them with several documents to prove my case and shed light on my side of the situation and was told to call back in two weeks time. Following their direction, onXX/XX/XXXX I called back to check on the status of the case and I was told that it usually takes 30 days for them to reach out to the merchant and get a response. Several weeks later, I called back to check on the status, but was told they never received my supporting documentation back onXX/XX/XXXX and directed me to upload the documentation onto their website. I did as directed and called back onXX/XX/XXXX where I was told the case was actually not reopened. During this call, I had to speak to a supervisor, who informed me that he would ensure that it was reopened and to check back by the end of XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXXstating that the charge would remain valid because " the merchant isn't required to credit your account because the charge took place too long ago. '' Upon reading this, I called back and through probing questions discovered that even though I had spoken to several representatives and a supervisor over the past three months, the re-dispute never actually happened or was implemented. This decision was apparently made by another department based on the documentation that I had uploaded. However, I also discovered that 2 of 3 documents that I uploaded could not be viewed on their system. An issue that was never brought to my attention during the multitude of phone calls in the interim. The representative that I spoke to admitted fault but failed to provide a resolution. When I spoke to a supervisor regarding my concerns in light of this new information, he also provided no solution. 

I recently tried using the Better Business Bureau to help mediate to no avail. XXXX from Chase 's Executive Office was unwilling to help. He kept referring back to the initial dispute that was closed and refused to discuss the re-dispute that was supposed to have been opened on XX/XX/XXXX. All Chase can say is that the dispute can not be continued because too much time has surpassed since the initial dispute. However, the only reason so much time has elapsed is due to Chase not reopening the dispute while providing me with misinformation that they had. 

I have attached a document with a shared drive that has all ofy supporting documentation, including the last phone call with Chase Disputes where they admit fault and not reopening the case, even after several phone calls to different team members over the past 3-4 months, with every one of them informing me the case had indeed been reopened. If prior conversations are requested, I would be more than happy to provide them.
Product: Student loan

I am very frustrated with navient, I spoke with a rep about a year ago that informed me that what I owed is actually in the 60k range and that the over 90k I owe is 30k plus of accrued interest from forebearences I was consistantly encouraged to do and never warned that it could result in such tremendous compounding interest. I feel scammed and lost all interest in paying navient a single dime.
Product: Credit reporting or other personal consumer reports

I purchased roughly ~ {$2000.00} of equipment from Dell XXXX XXXXXXXX XXXX with a promo % 0.0 APR until the following XXXX. I put this on autopay to be paid off by XXXXXXXX XXXX XXXXXXXX. I've used this service previously without any issues. 

Dell announced over the summer that they would be switching to a new service provider for financing in XXXX. Since I had my account lined up to paid XX/XX/XXXX, I had no concern. Dell claims I canceled my autopay with {$22.00} remaining balance in XXXXXXXX XXXX XXXX. They then proceed to charge me late fees, without notice, for XXXX and XXXX, bumping my balance to {$82.00}. I did not receive any statements of outstanding or overdue balance nor did I receive notice of autopay cancellation. I presumed that my account would have made its final autopayment of {$22.00} and be resolved. 

I did not know there was any issue with my account until my bank and XXXX both alerted me of a XXXX change of XXXX to XXXX. I was shocked. I attempted to go to the existing dell finance site but website was not allowing access to any updated information. When I would call they would transfer me to the new provider of Comenity who did not or would not service since I did not have my new account number that I hadn't received yet from them. I had to go through an automated service using my SSN to then request to have my new account number mailed to me. 

Once I received the # I created my account and made a payment to my surprise of {$82.00} to get it resolved ASAP. When I called to inquire as to what happened Comenity advised they were not able to help since it was with the previous provider. When I called the previous provider they defered me to Comenity. Without any recourse available via phone I've started to dispute it through XXXX and also the CFPB. 

Also, it is showing me as current for both XXXX and XXXX yet XXXX shows past due 60 days? None of this makes sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian, XXXX XXXX XXXX have violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681. 
According to the 15 U.S.C 1681 section 602 A, States that I have the right to privacy These addresses do not belong on my report : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I contacted Venmo about an unsatisfactory e-mail I received from them. It was trying to alert me to my account having been accessed from an unknown device. That is not what really happened. I accessed my account using a device that I had used many times previously -- it should not have been unknown. I questioned the value of such an alert since obviously something was wrong on their end. At least three different customer service agents at Venmo misinterpreted my inquiry, thinking I was raising a security alert. I was not -- there was never any doubt that I was the one that accessed the account on my usual device. 

Now Venmo has frozen my account so that I can not even close it. To close it, they want me to send a picture of my government-issued ID and a picture of me holding the ID. This is because of their so-called security concerns. I do not trust them with this information nor do I think I should have to jump through hoops to fix a problem that they created through their own incompetence. 

I did finally talk to a Venmo agent on XX/XX/XXXX who read the issue documentation from the start and she apologized profusely for the errors in how it was handled. However, because the matter had already been forwarded to a specialized team, she could not intervene. 

Venmo may want to refer to the following case numbers -- XXXX, XXXX, XXXX and XXXX ( the last one being the original case number ). 

Unfortunately, it is not practical for me to provide copies of correspondence. All of my complaints are done online on their website and they are not in a form that I can retrieve like an e-mail. Their replies are by e-mail but are useless -- they never address any of the issues I have brought up. I am attaching a copy of the chat transcript where the one agent recognized how badly Venmo had screwed things up.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX I sold a XXXX XXXX XXXX to XXXX XXXX XXXX He paid me using cashapp in the amount of {$650.00}. XXXX XX/XX/XXXX XXXX XXXX used a chargeback on me for the amount {$650.00}. Cashapp allowed this person to get his money back and Cashapp took the money out of my Bank. This is clearing fraud by XXXX XXXX because I sold him the XXXX XXXX XXXX. This transaction was done at a police station which has video proof that was a legit transaction. The only information I got from cashapp is they do not deal in chargebacks. I clearly did not wrong and cashapp is aiding XXXX XXXX in commiting Fraud by giving him his money back and keep the product I sold him.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

So they contacted me a few months back about settlement of the debt. I paid as agreed unelder the impression that would do their part and remove this from my credit. They did say paid as settled on my report but it still shows as negative. This really needs to be removed due to the inaccuracies of reporting. This has impacted my credit tremendously and needs to be removed asap!
Product: Credit reporting or other personal consumer reports

Received a letter in the mail from XXXX XXXX XXXX Which has a perfect payment record- XXXX sold all student loans to XXXX XXXX and is now being serviced by Firstmark Services XXXX I did not authorize this. All the interest XXXX has made on the student loan account and to up and sell it without details to the customer is nonsense. 

I did not authorize a sale of the student loan with discover.
Product: Checking or savings account

Scam XX/XX/year> I had to call XXXX due to text for XXXX {$3100.00} card cancelled they attached my new card to XXXX XXXX XX/XX/year> a call from Wells Fargo phn # stating fraud dept stated someone was using XXXX XXXX  XXXX a XXXX XXXX XXXX XXXX XXXX. Said not me ( XXXX  ) they are trying again. XXXX asked am I primary on apple. I said idk XXXX said no worry we fix it. XXXX asked for passwd for XXXX XXXX I gave it. They are telling me what to do put myself/prim. Now I primary on app/pay. They say stopped a XXXX trying XXXX come thru. r u getting text I say no. they state alerts must b turned off. i asked how to fix.they asked for password. Gave & verified last activity in act. Stated alerts off and will be fixed. XXXX calls from wfb to sharescreen to fix alert XXXX c info not mine not me nameAmount in checking not right.XXXX  XXXX to fake person. To c alert No alert came Did this XXXX Hung up on called # back speak to fraud was told Wells Fargo was impersonated and I was scammed. 

Police report # XXXX spoke with police and this is being submitted to fbi. 

How many people have to be scammed by an impersonation of Wells Fargo for anything to happen. Doing internet search theres so many complaints against them. 

I turn to you to keep them in line. I did not authorize anything from my account. I keep getting denied. I called Wells Fargo with in minutes as soon as I realized I was being scammed. I need your help to get my money back. This isnt right.
Product: Debt collection

hello this complaint is with pay pal this account was closed months ago because of a dispute over un approved freight charges of {$1500.00} and 25 + orders never delivered from wish. 
there was a investigation by pay pal as they paid these charges, they only FOUND4 items that were not shipped and returned the charge back to paypal. " THE REPORTED ITEMS WERE A EXAMPLE OF THE BUSINESS '' repeatedly tried to get a return for the amount listed and the undelivered items. It appears that this is a date was falls represented as the investigation. next the company has closed the account and still charging me amounts. this is not right. the account has been turned over to a debt consolidation company. when they will began the proceedings my account will have to be payments to them has to increased for them to work on it. enclosed is a copy of last statement from them. i mean no harm or insult and offered to pay rest off after the refunded money and items were delivered. they did not correct the issue. this all began XX/XX/2019 please and thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I strongly disagree with the response to your investigation. Despite your investigation, the incorrect items listed below still remain on my credit report. I request that these items be immediately re-investigated due to valid reasons. These inaccuracies have a significant negative impact on my credit rating.

Additionally, in compliance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I insist on receiving actual evidence of the information being verified, rather than a computer-generated confirmation. 

Please provide the following : The names and business addresses of each individual you verified the information with, so that I can follow up. 
The date on which you contacted the individual information furnishers. 
The method of communication used to verify the information. 
I also want to know if the furnisher provided you with my SSN, address, or DOB. 

Once you have completed your investigation and made the necessary corrections, please send me an updated credit report.
Product: Credit card or prepaid card

I have 4 accounts with Synchrony Bank Store Credit Cards. My home address was incorrect when I was submitting my Payments, therefore credits were not going towards my Credit Cards when I taught they were taken out of my checking accounting. In the meantime I have paid off ( XXXX ) in a short time and Synchrony still reported my delinquency 's to the credit bureaus which drastically lowered my credit score ... ... ..... 
I complained many times and the answer I received every time was they could not do a thing about. I never seen such poor customer service and Credit Company in my XXXX plus years of establishing credit.
Product: Credit reporting or other personal consumer reports

XXXX would not entertain or research my disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity in New York and XXXX gave them a phone and allowed them to create over a {$4000.00} bill. I have never lived in New York and when I complained the first time the credit reporting agencies allowed XXXX to report it as a closed account and not removed from my credit report. So now the reporting agencies are saying I had a New York address and that has never been true. Also I keep telling them my name is XXXX XXXX XXXX. Not XXXX XXXX. That could be my late father uncle or even brother. The only variation from XXXX XXXX XXXX that is acceptable is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on since XX/XX/XXXX, My mortgage account with XXXX XXXX XXXX   is showing as closed on my Experian credit report, with numerous disputes and even a phone verification in XX/XX/XXXX, Experian continues to report my account as closed, I am unable to get a home equity line of credit or loan because my mortgage is not reflecting on my report, this is causing me stress and harm because am unable to get my financial needs met related to this situation, I will be seeking legal action, it is my right to have my credit report reflecting accurately. 
XXXX is stating that there is nothing they can do and Experian is stating that there is nothing they can do so I am left in the middle holding the bag with nothing in it!! Completely frustrated and disappointed.
Product: Mortgage

Guaranteed Rate services my home mortgage. I have attempted for over 4 months to process a PMI removal for my home. I completed an application for PMI removal, and made payment on XXXX XXXX for the appraisal. I have followed up via phone 4 times afterwards to inquire about the status of my appraisal and had multiple issues. The first issue was stated that the payment I made was applied to my loan principle. After weeks of calling, that was reversed on XX/XX/2716. I also mailed another paper check explicitly for the loan appraisal as a backup source of funds. That check was received and processed on XXXX/XXXX/16. I was told over the last two weeks that my appraisal was imminent and that I would be receiving a call from the appraiser shortly. I called again today XXXX/XXXX/16 and was informed that there is no update on the status of this request.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX