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

In early XX/XX/XXXX I received a notice from XXXX XXXX that my account was closed sue to a payment that was " returned due to Customer Advises Not Authorized ''. The letter was dated XX/XX/XXXX. I have two homes and this mail was sent to my home that I was not back to until early XXXX. Normally my mail is forwarded but this letter did not arrive at my alternate address. I had no idea the payment was declined and not authorized. While I was traveling in XXXX my Bank declined several charges on my account because of transactions that were out of my pattern of spending. I had no idea this payment had been declined. As soon as I got the notice I called XXXX to pay the full balance to avoid a bad report on my credit. On XX/XX/XXXX they accepted a phone payment of {$370.00} to pay the balance in full. This transaction is on my Bank Statement as being processed by XXXX XXXX XXXX onXX/XX/XXXX and they assured me it would not reflect negatively on my account. Subsequently I was contacted by XXXX XXXX XXXX. I explained the situation and they said I still had to pay them because the account had been turned over to them to handle. I order to settle the matter I paid XXXX the {$370.00} by phone on XX/XX/XXXX. That is reflected on my Bank statement onXX/XX/XXXX. As you can see I paid this balance TWICE! I thought the matter was settled until I recently applied for a credit card - the first time since this incident. I was turned down and got a copy of my credit report and discover that XXXX is reporting my account as " Charge off '' but the details show the {$370.00} was paid. In another area they report " Purchased by another lender ''. XXXX shows the account as paid and I have a letter from them stating that it would be reported as paid and closed. When I talk to the Experian they refer me to XXXX. They have nothing in their records until I press the matter and ask for a supervisor - they they find the details and refer me to XXXX. When I talk to XXXX they refer me to XXXX. I have paid this account off twice and should not have it on my Credit report that it was charged off. I have made two disputes to this to no avail and have started another. I have supplied Experian with all of the information. XXXX is NO HELP AT ALL.
Product: Debt collection

Last year a debt collection was added to my credit that I did not recognize. I immediately called the agency and asked for a verification letter. Months went by and I never got one. I called them back again. A gentleman by last name XXXX answered I explained the situation and they dated they would send me the letter. A few weeks later after many calls and him saying hes has the file and will send it shortly he sent me a file via email that looked like he typed it himself. I have since tried to reach out to the company to get actual proof of this debt with no luck. Theyre all rude unprofessional and never respond to any calls or voice mails.
Product: Money transfer, virtual currency, or money service

My husband received our tax return and we thought it would be easy to send me my half ( {$4200.00} ) using Venmo. They took the money from him then immediately suspended my account due to " suspicious activity '' My husband & I transfer money back & forth all the time with no issues. This is the first time we've sent a significant sum of money, and my account got suspended immediately after for no apparent reason. The money was deposited to him by the federal government so I dont understand how the money could be suspicious. We are broke & we were counting on that money to pay our mortgage this month. I have called & called & I dont think its possible to speak to a live human & none of the chat bots do anything but send me to the Venmo FAQs. I've searched the internet to try to get some answers and unfortunately all I found was a ton of Venmo users all in the same situation. Please help us.
Product: Debt collection

XXXX XXXX XXXX XXXX is reporting a debt in the amount of {$2900.00} and with an opening date of XX/XX/XXXX in the state of pennsylvania. The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ). XXXX XXXX XXXX XXXX does not have legal right to attempt to collect this alleged debt. 

In addition, this collection was closed and removed from my XXXX Credit report dated XXXX, XXXX, XXXX. The creditor, XXXX XXXX XXXX XXXX, reinserted the collection item, reported as of XXXX XXXX. XXXX is required by the Fair Credit Reporting Act ( FCRA ) to notify me in writing within 5 business days of re-inserting a previously deleted item, FCRA 611 ( 15 U.S.C. 1681I ).
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain items listed on my credit report that I believe to be inaccurate and in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c.

The items in question are associated with the following account ( s ) : TXXXX XXXX XXXX I dispute the validity of this debt and have reason to believe that the reported information does not accurately reflect the situation. Under 15 U.S.C. 1692c, I am exercising my rights to ensure that I am not subjected to any unfair practices related to debt collection.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX Account # XXXXXXXX  ) ( XXXX XXXX XXXX XXXXXXXX  ) has violated my rights! 

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

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



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect inquiries are being reported on my credit report. for the last 9 months I've disputed this false information XXXX times. Spending XXXX XXXX XXXX and hours. 

The companies listed below are incorrectly shown on my credit report Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Requesting original contract, creditor information, payment history and proof of ownership for the debt amount of {$810.00}
Product: Mortgage

I sent off my XX/XX/XXXX mortgage loan on the XX/XX/XXXX day of that month, and the mortgage company received it on the XX/XX/XXXX and cashed it on XX/XX/XXXX from someone in the XXXX XXXX XXXX XXXX XXXX. I have proof of the check that was sent out to XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX, CA. I tried a few times to up load 3 paper statements showing proof of payment, fax cover, and another proof of payment. I disappointed that my check has been cashed, and it is not anywhere to be found.
Product: Debt collection

Contacted Ccs Collection Company to request validation of debt and rep wouldn't give information that I was asking and threaten that if I didn't pay I would go to jail and pay a huge bail
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed the office of the attorney general of Texas that because of the new court order, the paymebtbhistory needed to whipped clean and all payments needed to be marked on time. I recieved this response from an oag representative : Hello XXXX XXXX. I have reviewed your case, found your balance to be lowered since last month in the amount given. As a result, I have sent a correction to Experian, updating the status as current, correcting the balance amount, and clearing the delinquencies in the pay history. Please allow for 3-5 business days for it to properly be reflected in your credit report. 



XXXX XXXX Support Officer IV Field Services Office |Child Support Division XXXX ( direct ) XXXX I will also attach screen shots of the email. 

They did what they said they would as they were legally required to. I will attach a screen shot of the correction. 

On XX/XX/XXXX of 2021 they decided to go back on what they said they would do, as they were legally required to do, and marked two payments late that they previously stated should be marked as on time per the email recieved from them. 

Please correct this most current mistake, or just stop reporting oag, as they clearly have no idea what they are doing, no two people there seem to be in the same page. If they cant keep it straight how am I supposed to keep it straight? This question wasnt rhetorical I'd really like an answer. Are there not laws that prevent them from doing this sort of thing? And this question as well needs to be answered. 

Sadly oag is allowed to report to federal entities but has no obligation to answer to federal entities, meaning no one is making sure they are not violating my rights. Enough is enough. They need oversight. 

If I failed to attach what I said I would, please let me know, as I'm looking at very small thumbnails if the images because of the limitation of my phone and the cfpbs system.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit from a company I do not recognized. The company is a third party debt collector attempting to collect XXXX plus dollars. The original company is XXXX. I have never had a XXXX account nor have I ever incurred a phone bill that large. This has to be an error. I would like this company and it's records removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was billed at least past 4 months for late fees on the due date. I pay my chevron card in full each month within 5 days of due date ( and there are interest and late charges posted for at least the last 4 months - the girl I spoke to XXXX at chevron said she couldnt do anything. I noticed this same issue with my synchrony care credit account. On the due date I was being charged a late fee for the due date on that account too. They reversed the one month. Please see if all these late fees can be reversed. This isnt legal to charge excessive fees. Please help. XXXX XXXX XXXX XXXX. Thank you Synchrony Chevron XXXX XXXX XXXX XXXX synchrony care credit XXXX XXXX. XXXX credit card - fees were reversed but same thing late fee posted on due date. Thank you
Product: Payday loan, title loan, or personal loan

Applied for a loan and was approved for {$1000.00}. I made a payment or two and now the loan balance is {$2800.00}. After several phone calls and emails they are threatening to turn it over to an aggressive collection account. I spoke with dept of banking of Montana and I was informed to close account due to the loan being illegal in Montana. Does this sound right what are my options?
Product: Debt collection

In XXXX of 2021 I checked my credit and found out that a company that I had no idea of was reporting to the credit bureaus that I owe them money. I have sent several disputes to them as well as the credit bureaus and they have all said it was verified as mine. I asked them to send me the validation that it was mine and all the methods used to validate these claims to which they have ignore all my request and continue to report on my credit.
Product: Credit reporting or other personal consumer reports

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

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

i was contacted via phone last week from a collection company they stated i owed XXXX XXXX {$1300.00} from 2008 I told them i paid XXXX XXXX {$450.00} for their services and this was a BOGUS collection. I then received a letter on XXXX that was dated XXXX stating i needed to pay the amount the or legal action will take place. The letter states over {$3200.00} which almost tripled from what they told me on the phone.
Product: Money transfer, virtual currency, or money service

I bought {$10000.00} in XXXX  after making XXXX deposits to Coinbase ( XXXX. ) They put the XXXX deposits on a 10 day hold about the XXXX of XXXX this year. During that time, XX/XX/XXXX, I made an approximately $ XXXX loan with XXXX securing it with the XXXX. At that time XX/XX/2023 XXXX put restrictions on my account due to a login from a computer in XXXX. These restrictions were to last for XXXX business days while my account was reviewed. Those restrictions were supposed to be removed on XX/XX/XXXX. They were not. During this time I could not pay my debt to XXXX because cash uploads were restricted. This restriction has continued to this day XX/XX/2023. 
The review did determine that they wanted to keep the restrictions permanent. This left me with XXXX XXXX to pay my loan off and they were able to keep all the remaining bitcoin Approximately {$9000.00} as collateral for a {$4000.00} loan. I was told my only option to clear this up was to sell my XXXX  and have it transferred to my bank account. 
The problem is, since XXXX won't allow me to pay off my loan with cash, unless they sell enough of the collateral coin to pay the loan and interest off, I can not remove my remaining funds from my XXXX XXXX. 
The " review '' of which of the XXXX options XXXX will allow has taken nearly an entire month. While XXXX dithers with a simple decision I'm watching the value of my holdings diminish and there is nothing I can to to expedite the process any further. I would appreciate your assistance in helping with this situation.
Product: Money transfer, virtual currency, or money service

I initialed a wire of XXXX usd from my chase checking to my friends XXXX XXXX on XX/XX/XXXX. It just disappeared. Money is never there. I tried to solve the problem with them. I provided details and tried to recall the money so many times. And theres just nothing. Okay I guess they arent even working on it since they never even told me where the money was and I know they can trace it. My recall request was received on XX/XX/XXXX. The whole thing is going on for 5 months. Its very unusual. Hope you can help with that!
Product: Credit reporting or other personal consumer reports

The following inquiries are reporting on my credit report and have no permissable purpose. They were not authorized to get a copy of my credit report. 

XXXX XXXX XXXX XXXX inq date : XX/XX/XXXX XXXX XXXX XXXX inq date : XX/XX/XXXX XXXX XXXX inq date : XX/XX/XXXX XXXX XXXXXXXX XXXX inq date : XX/XX/XXXX XXXX XXXX  inq date : XX/XX/XXXX XXXX XXXX XXXX inq date : XX/XX/XXXX XXXX  XXXX inq date : XX/XX/XXXX XXXXXXXX XXXX inq date : XX/XX/XXXX XXXX inq date:XXXX XXXX inq date : XX/XX/XXXX XXXXXXXX XXXX inq date : XX/XX/XXXX XXXX Card inq date : XX/XX/XXXX According to the FCRA Section 605B It is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 separate letters each to XXXX, Experian and XXXX on XX/XX/2020, XX/XX/2020 and today XX/XX/2020 about inaccurate and unverifiable collection accounts and student loans on my credit report. It has been over 6 months and I have not received a single response from anyone. I feel like my dispute letters are being ignored, that they do not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been way over 30 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Money transfer, virtual currency, or money service

Hacked family member XXXX  account, government grant scam, suggests you can get money from a grant, refers you to some fake XXXX  person, they ask for some details then ask for money, the more money you give them, the more money your " grant '' is. 

Chase was not interested in resolving the issue or prosecuting the bank account holder : The final details, including the bank routing number : This is our cashier information you are going to make the payment to through Chase Bank Bank Name : XXXX XXXX  XXXX  Routine Number : XXXX Acct Number : XXXX You are going to get a Cashier check and make the deposit into Chase bank
Product: Checking or savings account

On XX/XX/year>. Sofi Money Bank put a temporary restriction on my account. Since then, They told me that they are in the process of closing my account and I am not entitled to my money thats in my account. I demanded to speak to a supervisor and she told me the same thing. She also stated that they have no additional information. This cant be legal! I have {$500.00} left in my account and theyre literally taking my hard earn money from me! I dont know what else to do, can you guys please help me out and secure my money thats owed to me.
Product: Payday loan, title loan, or personal loan

A line item entry appeared in my pending transactions XX/XX/2022 on my checking account as : MONEYLIONLOANREPAYMENT XXXX XXXX NY XXXX. The amount is {$19.00}, and was listed as a debit card transaction. I did not make a debit card transaction, or any other kind of transaction with this company. 

I called Money Lion at the number listed on their website : XXXX ( XXXX ) XXXX. When I spoke with the representative she connected me to the " XXXX XXXX XXXX '' and gave me their direct dial number. which is XXXX. After waiting a few minutes, I got a recording that said they are experiencing higher than normal call volume, and they hung up on me. 

I called the number directly, and had the same experience. 

There is a chat function on the website, but it requires you to set up an account in order to speak with anyone. 

I will now have to go through my bank, have my card shut down, re-set all of my auto pay tied to my card. 

This has done financial damage, and the company has no means to dispute the charge or even contact them unless I set up an account. 

Aside from outright fraud, this smacks of clear UDAAP violations, and I am over XXXX.
Product: Debt collection

My wages are being garnished relating to a vehicle purchased from JDByrider in XXXX. I was not legally notified prior to the garnishment beginning. I received email notification from XXXX on XX/XX/XXXX of wage withholding, and have had deductions biweekly beginning on XX/XX/XXXX. XXXX provided the creditor/attorney information relating to a XX/XX/XXXX default judgment. At no time did I receive any notices relating to this alleged debt and was not served to be able to exercise my rights and attend the judgment hearing. I immediately reached out to the creditor 's attorney and requested all related documents, including dates and addresses of all correspondence sent. I was advised to submit my request in writing along with my current address and received the documents by mail on XX/XX/XXXX. I have attached all documents received as well as all email correspondences related to the matter with my complaint. Included in the packet was the original six page vehicle purchase contract dated XX/XX/XXXX ; the top of page 4 states warranty information will be provided to you separately, but was not included with the paperwork received. ( The vehicle was covered under the dealer 's 3 year used warranty-purchased XXXX of XXXX and the engine blew in XX/XX/XXXX-inoperable vehicle retrieved by tow truck and no further communications with dealer ) XXXX XXXX included a payment ledger report from CNAC dated XX/XX/XXXX that shows all payments from the beginning of the loan through the date of the engine failure, but lists start date as XX/XX/XXXX when the contract wasn't signed until XX/XX/XXXX. The other documents provided to me were one letter from CNAC dated XX/XX/XXXX, two letters from XXXX dated XX/XX/XXXX and XX/XX/XXXX, and a copy of Abstract of Judgment from XXXX XXXX General District Court showing a judgment date of XX/XX/XXXX and signed XX/XX/XXXX ; and all of those documents show an incorrect zip code for a city I have never resided in. They claim the original service date was XX/XX/XXXX for judgment entered XX/XX/XXXX. Additionally they provided a copy of a Garnishment Summons that shows an upcoming hearing date of XX/XX/XXXX, which again, was not served to me ; it shows a previous address I've not resided at in over 2 years and served under my previous married name that changed on XX/XX/XXXX. So if not for the garnishment beginning, I would have again been unaware of a court hearing related to this. Additionally, I have been with my current employer since XXXX of XXXX ; at no time was I legally given the opportunity to defend myself or resolve this issue before a decade 's worth of interest has been added making this alleged debt over {$23000.00} when garnishment began. This alleged debt has also at no time from XXXX to current, shown on any reports with the three credit bureaus. I contacted the General Manager for the dealership by email requesting the issue be dropped and received no direct response, but a notice from XXXX XXXX that their client has advised to proceed with the garnishment.