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

I am filing a complaint regarding inaccurate accounts on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX XXXX Balance : {$6500.00} - Please check the Payment History and XXXX information on this account and adjust accordingly. 

XXXX XXXX Balance : {$1100.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX XXXX Balance : {$2500.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX XXXX Balance : {$2600.00} - Please take off the late things from this account because I think I made my payment on time. 

XXXX XXXX Balance : {$6200.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX XXXX Balance : {$2300.00} - I never missed a payment. Please update it immediately. 

XXXX XXXX Balance : {$6300.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report.
Product: Checking or savings account

I wrote a check on XX/XX/XXXX in the amount of XXXX XXXX ( {$2000.00} ) dollars. I was helping someone pay their relative for a car. The debt was settled another way, and my check was never cashed but, unbeknownst to me, the person apparently held onto it. This person and I no longer speak, but just a few days ago the check was submitted via a mobile banking app deposit and my account was hit with the check that was dated over two years ago. The bank that accepted the mobile deposit even told me when I asked about this in person today ( XX/XX/XXXX ) that it should not have cleared because it had been more than six months since the check was written. However, once they found out I was not a customer at their bank, they told me there was nothing they could do, and refused to help me or look into it. Because they cleared this check that was over two years old, my entire checking account and most of my savings account was wiped out without warning. I have a digital copy of the dated check, and a copy of the back of the check showing a deposit date of just a few days ago. This should not have even passed through the bank due to how old it was and now I am out XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,   XXXX  , I received a credit inquiry f rom Prestige Financial o n my consumer credit reports. I did not authorize this inquiry either directly with Prestige or through any other source. I sent them a certified letter which was received and signed for on  XXXX / XXXX /  XXXX  . I received a response from  Prestige da ted  XXXX   XXXX ,   XXXX   which stated they would not remove this inquiry despite being notified in writing this inquiry was not initiated or authorized by me either directly or through a third party. They have disregarded my concerns that someone has used my information without my consent and are fostering an environment that allows for identity theft by refusing to remove such items. T he Federal Law is very clear under the F air Credit Reporting Act and this inquiry being performed under false pretenses as described in the clear language of the law . 15 USC 1681n ( a ) ( 1 ) ( B ) state s, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.      Prestige is not able to provide any evidence such as a signed credit application or any credit application provided to them from any party that this inquiry was authorized by me. Therefore under Federal Law this inquiry must be removed immediately as it is causing my consumer credit report to be damaged since inquiries affect credit scoring systems. I am demanding this inquiry be removed as my first request was refused by Prestige.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to XXXX  XXXX XXXX. They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ), 15 U.S. 1681a ( 2 ) ( B ) and 15 U.S. 1681b ( a ) ( 2 ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the Gramm Leach Bliley Act ( 15 U.S. 1681a ( 2 ) ( A ) ( III ). VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ). XXXX XXXX XXXXXXXX is not reporting accurate information. On my Transunion credit report, there is an " X '' placed on dates XX/XX/XXXX and XX/XX/XXXX where the data is unknown. I have supplied the Rating Key for Transunion. If the data is unknown, this is not 100 % ACCURATE! That is a violation of 15 U.S. 1681e ( b ). XXXX  XXXX is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of 15 U.S. 1692J. Pursuant to 15 U.S. XXXX, XXXX  XXXX must comply to any provisions to make my credit report compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I had identity theft and told XXXX what happened because everything was done online and my social security card, birth certificate and my D.L was stolen and somebody bought phones and lines in my name so I told XXXX and filled out there claim and they contacted me back and said we investigated and we are dropping this, however I have cleaned up my credit and even settled for less for things that are not mine and than XXXX shows up 3 years later saying I owe them XXXX which I thought was taken care of, so now there is a 3 month old bill that is really 3 years ago so it looks really bad on my report. I explained to experian 3 times and they keep saying is its denied because XXXX says its validated. I contacted XXXX and they said they were investigating but I don't trust anybody anymore I need this deleted or I will settle for less just to clear this but the date is not right. It docent take 3 years to put a report in that should be suspicious to the credit agency. also I need help so that nobody puts anything else on my report I need action taken because I still have inquires that are coming up like 45 and they are incorrect, experian, XXXX  and XXXX said they would take care of these but its not happening. I have worked so hard to get this better, I pay my car almost double payments for 1 year at 28 percent and I need to refinance but I can't and I also have two credit cards that have never been late but I can't apply for new correct, my husband and I are trying to open a business and we can't if we don't get approved because they check credit so please assist me and ask the credit agencies to please properly investigate and take these inquires off. I got a car, they said there would only be 1 ding well there are way more than that and all the new ones except like 3 are not mine because I am scared to apply. I would never apply for capital one ever again, or premier or contrast, these credit cards charge annual fees. Please help me Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy listed with XXXX, XXXX and Experian has incorrect information listed. Bankruptcy is listed with a XXXX dollar amount. Disputed with credit bureau asking for them to provide proof of how the information was verified. No information was provide
Product: Checking or savings account

BBVA Compass Bank Violations of H.R. 1261 Overdraft Protection Act of 2013 SEC. 4 FAIR MARKETING AND PROVISION OF OVERDRAFT COVERAGE PROGRAMS. SS 140 B. Overdraft coverage program disclosures and consumer protection ( c ) Each depository institution may charge overdraft coverage fees with respect to the use of an automatic teller machine or point of sales transaction only if the consumer has consented in writing, in electronic form, or in such other form as is permitted under regulations of the Bureau. [ I, the consumer, never gave consent to overdraft protection nor was given opportunity to opt-in or not. ] ( d ) ( 1 ) ( A ) CONSUMER DISCLOSURES. - Each depository institution shall clearly disclose to each consumer covered by an overdraft protection program of that depository institution- that- the consumer may be charged for not more than one overdraft coverage fee in any calendar month and not more than 6 overdraft coverage fees in any single calendar year, per transaction account ; [ I, the consumer, have been charged 16 times in 2 months! Even if I did consent, they are exceedingly over their limit.that they can charge per one account. ] There are many more violations. However, I will stop there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending disputes to Experian every 35-40 days since XX/XX/XXXX and on multiple occasions the results where received after 30 days or not received at all until XX/XX/XXXX when it was submitted and results where given in less than 4 hours which tells me that the did not even investigate the disputes at all. I even sent letters for verification of method used to investigate and haven't received any response either.
Product: Credit reporting or other personal consumer reports

I would like XXXX to remove the filing as it creates a XXXX of impairment and does not promote equality in the social economic venue of personal contracts and unalienable rights devoted to the consumer account violation of the following with consent to remove from the consumer is willful intent to injure and neglect the following complain under XXXX usc XXXX fair credit accuracy and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit card

Ensuring timely payments has always been my priority for this account, ensuring they're never overdue. I'm puzzled by the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be addressed.
Product: Credit card

I had duly verified the checking account, weeks ahead in time, for full balance payment every month, despite which the bank went ahead and applied late fee + interest charges of {$32.00} on purchases. On calling, they acknowledged that there was a system error in not activating the balance payment and reversed the late payment but declined to take away interest charge on purchases. I am disappointed that despite going through steps of verifying the checking account, I get charged with interest charges when it was their system intrinsically not activating.
Product: Credit reporting or other personal consumer reports

I filed an ID Theft report with the FTC and submitted a complaint to the CFPB on Experian, XXXX, and XXXX to investigate my accounts and remove the inaccurate information. 
Experian, XXXX, and XXXX claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, these accounts are still inaccurate and the credit bureaus are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time.

According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history. 

The consumer reporting agencies Experian, XXXX, and XXXX did not remove all fraudulent and inaccurate accounts that have been furnished on my consumer file and I have never gave my consent to furnished these accounts. No consent is Identity Theft and I have attached evidence that these consumer reporting agencies are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid all child support in full and I have tried to dispute this with XXXX and Equifax and they both are not allowing me to dispute it. These accounts have been paid and they are settled and my credit report is not reflecting this
Product: Mortgage

Bank Of America wo n't help us modify a loan not even with a settlement. We are on active Bankruptcy chapter XXXX and since Bank of America is a XXXX loan and the house is not worth it once I finish my BK chapter XXXX they will not get payment, so I called to get a modification on that loan or a settlement and they are happy to loose their money. They say we do n't qualify for any program they offer but we are underwater and we are willing to work with them to come to a settlement but maybe they will get more money by filling a claim with an insurance stating I was not willing to pay of help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint regarding ongoing unresolved issues with Venmo that have led to undue stress, restricted access to funds, and inadequate responses from their customer support team. 

Summary of Issues : Transaction Holds and Refunds : Venmo flagged certain transactions on my account as " goods and services, '' even though they were sent in error and subsequently refunded. Despite this, these transactions continue to show as " on-hold '' on my account. This has led to unnecessary requests for my tax identification information, which Venmo has repeatedly threatened to send to the IRS if I do not provide it. These threats persist, despite the fact that I have clarified these transactions were refunded and not intended as taxable goods or services payments. 

Inconsistent and Ineffective Customer Support : I have submitted multiple screenshots, emails, and follow-up messages explaining the error and requesting resolution. In each response, I am met with a generic response and troubleshooting steps that do not resolve the technical issue ( e.g., uninstalling and reinstalling the app, restarting the device ), all of which I have attempted to no avail. Venmo support continues to ignore or dismiss the specifics of my complaint, including the fact that these transactions were refunded and should not affect my account. 

Request for Transaction Records : I requested a XXXX file of my transaction history to review all account activity in detail. Venmo has failed to provide this file, despite my repeated requests. This has hampered my ability to verify and resolve the issue independently, as I lack the comprehensive transaction records that Venmo could easily provide in XXXX format. 

Impact of Issues : These unresolved technical and support issues have caused significant stress and inconvenience, restricting my access to funds and creating uncertainty around my financial records. 

I request that Venmo : Correct the technical issue displaying these refunded transactions as on hold in my account, which affects my app experience and causes further confusion. 
Cease unnecessary tax information requests and threats to report my information to the IRS for transactions that were refunded and not intended as goods and services payments. 
Provide a XXXX file of my complete transaction history so that I can review my account activities accurately. 
Thank you for your time and assistance. I hope to see a swift resolution to this matter.
Product: Mortgage

My loan is currently being serviced by XXXX XXXX. A lender and/or servicer CAN NOT collect on a debt that is TRANSFERRED DURING the DEFAULT of the LOAN. My violations as a Homeowner have been violated. I already accepted I can not remain in my home and since short selling my home was one of the options given to me to " avoid foreclosure '' I began the process. It has been a challenge with XXXX XXXX counter offering during the process causing the interested party to walk away from the transaction. The truth is that a short sale process is just as long, hectic and stressful as a modification and the servicer is well aware of that which is why the servicer should not delay on providing responses and/or an approval. I am currently facing foreclosure and only need 10 days to allow the transaction to close but XXXX XXXX, the servicer of my loan, is refusing to provide a postponement of the 10 days needed. I am asking to exercise my right as a homeowner to avoid foreclosure.
Product: Debt collection

Had a offer from Jefferson capital if I paid XXXX, 55 % of amount they would drop the collection. I paid and it's still on my collections. Thank you XXXX
Product: Credit reporting or other personal consumer reports

After looking at my credit report. Ive seen an excessive number of hard inquiries that appear to be credit inquiries in which I have not authorized by any company. Ive attempted to reach a resolution with the companies as far as providing documentation of applications with my signature and they have been unable to provide. This is severely impacting my credit. 

Dates include XX/XX/XXXX until XX/XX/XXXX I am seeing hard inquires from XXXX  XXXX, XXXX XXXX XXXX, XXXX  and many more. My current credit report is reflecting XXXX hard inquiries.
Product: Credit reporting or other personal consumer reports

I submitted several disputes to Transunion regarding some accounts shown on my credit report which are inaccurate. I also uploaded my proof on their site to prove my claim but the company failed to investigate and refused to delete the accounts from the credit report.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting Utilization on multiple accounts. 
LATE PAYMENT ( XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX  XXXX 54 % XXXX, XXXX 21 % XXXX, XXXX XXXX 7 % XXXX, XXXX XXXX  XXXX 87 % XXXX, XXXX XXXX XXXX 17 % XXXXXXXX XXXX XXXX 92 % XXXX, XXXX XXXX XXXX XXXX 98 % XXXX, XXXX XXXX XXXX XXXX 79 % XXXX, XXXX XXXX XXXX XXXX 12 % XXXX, XXXX XXXX XXXX 84 % XXXX and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX have been a victim of identity theft and just learn about this accounts listed in my police report. they do not belong to me and have never gave anyone permission to open these accounts. thats why i filed a police report
Product: Checking or savings account

I have been victim of Credit card identity theft My Chase checking account has been exposed to fraudulent activities since Saturday XX/XX/XXXX. 

- some open new credit card under my name ( Chase unlimited ), as soon as I noticed that this new additional card was listed under my Only Chase sapphire preferred card I had to call bank to report and request from the bank to shut down that account. The bank did it and they said they will contact XXXX, XXXX and XXXX. I wasn't able to get in touch with any to those agencies. I will be doing report myself as well. 
- On XX/XX/XXXX some unknown person made an online payment from my credit card to XXXX in amount of {$300.00} and change. I called the bank to dispute it and they did.The charge was disputed. 
- On XX/XX/XXXX person under name XXXX XXXX of {$100.00} paid himself with using my XXXX account. The bank was able to prof that this was a fraud. 
I has one more transaction of {$50.00} on XXXX totally unknown. 
- I called bank to close by credit card and to reissue a new card.I received envelop with 2 credit card on XX/XX/XXXX with XXXX cards in it, both cards had same number but they are under XXXX different names. XXXX was under my mine name XXXX XXXX and the other credit card was under name XXXX XXXX. I have never heard of this name before in my life. 
- every time I would call the bank when they ask me to cofirm my address it would turn out that address on file doesn't match. Some is changing my information on daily basis. 
I will go to the bak to request change of my account number - ON XX/XX/XXXX I had to call the bank to close my debit card