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

I settle the account with them. I paid and amount that was agree. On my credit report still shows like I owe the whole amount and that I didnt pay anything
Product: Credit card or prepaid card

I was unemployed in XX/XX/XXXX then the pandemic started in XXXX. I was out of work until XX/XX/XXXX. I approached a credit repair company. I turned over XXXX credit cards with a balance greater than {$500.00} each. I had to make monthly payments to them. All of My credit card companies wouldnt settle. I contacted each credit reporting agencies. I disputed each credit card because of COVID otherwise I was making payments. I was told by the agencies that the credit card company said to leave it as reported which is staying on my account. The amounts are incorrect. My credit repair company has been trying to work with each credit card. They started making payments but I was told that each credit card wasnt cooperating nor reducing my balance nor removing it from my credit report. My income dropped drastically. I had companies to close because of COVID. I went from 11 companies to 5 companies. Im a XXXX XXXX. Im on XXXX, XXXX and my income in XXXX was {$12000.00}. I have had help to cover my basic expenses and food.
Product: Debt collection

I owe Billmelater/paypalcredit about {$800.00} from XXXX year. I 'm now XXXX in college and I currently work XXXX jobs. Billmelater/paypal credit closed my account and sent it into collections and I have been in contact with the new collectors, explaining my situation. Of course they 're XXXX, So i have n't been taking calls from them. I have every intention on paying what is owed, but I 'm not going to go homeless to do it. Long story short, a man left a voice mail on my phone threatening to have me arrested from my home or job. I googled the phone number and found out that he is a bill collector. He did n't even say who he was. I 'm pretty sure that is illegal.
Product: Debt collection

I learned that a XXXX credit card had been opened in my name as a result of doing a loan application. I filled out and completed the fraud process and they notified me that whomever opened the account had made payments towards the balance and because this was irregular activity they were denying my claim. I submitted police reports and documents supporting that the account was not mine, and in fact opened in conjunction with other accounts via usesge of an ID I had lost, that I submitted even more documention from the XXXX, and they still denied the claim due to irregularities
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

After my recent disputes, I have noticed there are still unauthorized items reporting on my consumer report illegally. According to 15 U.S. Code 1681i, your agency must conduct a reasonable investigation on my credit report or the items disputed must be deleted within XXXX  days. If your company has properly done a reinvestigation and reported the following items as verified, I am asking you how did your agency reinvestigate these unauthorized items which leads me to 15 U.S. Code 1681i ( 7 ). Your agency must provide me with a description of the reinvestigation procedure. Acknowledging that your agency must conduct a reasonable reinvestigation and show the consumer a description of the reinvestigation procedure ; I am also requesting all proof of personal interviews with neighbors, friends or associates according to 15 U.S. Code 1681a ( e ). I have noticed a list of misinformation being furnished to my credit report without any written or electronic communication as a consumer which is violating my right to privacy with fairness, impartiality, and respect. As a consumer of my consumer report, I have not received any written or electronic form that my nonpublic personal information be disclosed to your agency, nor given the opportunity to opt out the disclosure which is in direct violation of 15 U.S. Code 6802. Your agency continues to violate my consumer report by not only furnishing information on my report but doing so without any written instructions from me according to 15 U.S. Code 1681. Consumer reporting agencies can not receive and furnish a consumer 's personal information without respecting their right to privacy, give written or electronic forms of such disclosures and receive written instructions from the consumer which leads to 18 U.S. Code 1028A. Your agency knowingly possesses my nonpublic information without any lawful authority and continues to use my information by furnishing a report which is a direct case of Identity theft. None of the information provided is related to a transaction done by me as a consumer. I demand that the information listed needs to be blocked and deleted from my consumer report no later than XXXX  days after receiving my request. These transactions are not related to any transactions done by me.
Product: Credit reporting or other personal consumer reports

I checked 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 this account ( A ). It is not permitted to report this account 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 XXXXXXXX
Product: Credit card

I had a Venmo credit card issued by Synchrony Bank. I liked this card, but they refused to provide evidence for investigations I initiated. I am assuming this is because they didn't want to admit they actually didn't pursue any. They then CLOSED MY ACCOUNT without my permission which SEVERELY damaged my credit score. I am talking to lawyers about damages, and I asked Venmo for a stack of all my statements from XXXX to XXXX. The account was closed in XXXX ( again. I did not authorize this and Venmo REFUSES to provide the recorded calls, because then they would be liable for damages ). I received a letter from them that states I had a XXXX balance through the 2XXXX period, which is funny, since I charged more than {$20000.00} through that period. Venmo/Synchrony has repeatedly falsified information, withheld crucial items like recorded calls, and outright lied to the CFPB and other institutions ( XXXX, XXXX ) regarding " late payments '' which were never late. Venmo/Synchrony has caused extensive credit damage by closing an account WITHOUT PERMISSION and then vehemently refusing to provide my own recorded voice despite me having a record of all calls.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  I looked at my EXPERIAN credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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: Checking or savings account

I am a beneficiary to an IRA account held at Merrill Lynch wealth management. XXXX XXXX, 2017, I completed all paperwork to have my portion of the Merrill Lynch IRA distributed from Merrill Lynch to my XXXX XXXX IRA account. As of XXXX XXXX, 2017 my portion of beneficiary money has not been deposited into my XXXX account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, my COINBASE account got hacked i lost {$2300.00} from coinbase investment and {$1500.00} from my bank account that was linked to my coinbase account ... all i got left from my portfolio was {$0.00}. i never get help form coinbase, they even end up locked my account ... ...
Product: Credit reporting or other personal consumer reports

I opened a secured credit card with XXXX XXXX in XXXX of XXXX. During the XXXX pandemic. I closed this account and received some of my initial deposit into this account back. For the past 2 years, XXXX has not provided verification of documentation and I have requested this documentation of the account from open to close, showing where they sent me money back after I closed the account, but I have failed to receive any of said verification of documentation from XXXX  or XXXX which makes this information inaccurate. XXXX XXXX XXXX  took my rights as a consumer and decided to make my account a profit/loss write off. XXXX XXXX XXXX  reports : Account charged off. {$45.00} written off. {$61.00} past due as of XX/XX/XXXX. Status was updated XXXX XXXX Credit Usage 110 % with a credit limit of {$100.00}. Past Due Amount of {$61.00} and a Highest Balance of {$150.00}. But no monthly payment is reported nor are the terms. The terms are different from my XXXX file which I've filed a separate complaint for as they are both reporting different information from the furnisher. For this reason alone, that should make this account inaccurate. I've requested documentation from XXXX XXXX XXXX  and have failed to receive documentation. You are telling me that I had a past due balance of {$61.00} but only {$45.00} of that past due balance was written off? Sounds really odd and inaccurate if you ask me. 

Section 623 ( a ) ( 8 ) Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. ''
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX Iowa XXXX Subject : Formal Complaint Regarding Incorrect Reporting of Student Loan Payments Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have been experiencing with the reporting of my student loan payments. Despite several attempts to dispute and rectify the situation, the matter remains unresolved, causing significant harm to my credit. 

I have diligently sought to address this matter directly with the credit bureaus, emphasizing the inaccuracy of reported late payments on my student loans. These late payments are, in fact, incorrect, as my payments were rightfully supposed to be deferred due to the impact of the COVID-19 pandemic on my financial situation. 

I have made numerous attempts to rectify this error through the appropriate channels, providing documentation and proof of the deferment eligibility due to the pandemic. However, the credit bureaus have failed to acknowledge or resolve the issue, leaving these inaccurate late payments on my credit report. 

Given the adverse effects on my creditworthiness, I am left with no choice but to escalate this matter to the Consumer Financial Protection Bureau. I kindly request your intervention in ensuring that the credit bureaus promptly and accurately reflect the deferment status of my student loan payments during the specified period affected by the COVID-19 pandemic. 

I believe that swift resolution of this matter is essential to safeguarding my credit standing and financial well-being. I request that you investigate this issue thoroughly and take the necessary steps to compel the credit bureaus to correct their reporting accordingly. 

Thank you for your attention to this matter, and I appreciate your assistance in resolving this dispute promptly. 

Sincerely, XXXX XXXX
Product: Mortgage

During Covid I missed monthly payment. The following month I was able to make a payment. The XXXX month after I was able to make a payment. The XXXX month after I made a double payment to make my mortgage current. The problem is that they did not apply my double payment on the day i made it and are reporting that I was more than 60 days late on a payment. I have called numerous times to resolve this issue and they basically refuse. I am looking to refinance and it is basically impossible if your payment history shows you have been more than 60 days late on a payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - - Credit card XX/XX/XXXX Closed Balance {$18000.00} Status Account charged off. {$18000.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Balance {$1100.00} Status Status updated Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - - Credit Card XX/XX/XXXX Closed Account charged off. {$4400.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$40000.00} written off. {$40000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$26000.00} written off. {$26000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX - - Home Imp Loan XX/XX/XXXX Closed Account charged off. {$20000.00} written off. {$20000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX - - Unsecured XX/XX/XXXX Closed Account charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Line of Credit XXXX XXXX, XXXX Closed Account charged off. {$7300.00} written off. Status updated XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$5800.00} written off. {$5800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$9300.00} written off. {$9300.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX EXPERIAN XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Bureaus po box XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non speci, c XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX EXPERIAN XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Credit Bureaus XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non speci, XXXX XXXX XXXX XXXXXXXX XXXX, NM XXXX ( XXXX ) XXXX
Product: Checking or savings account

MY DAD PASSED AWAY AND I WENT TO CAPITAL ONE TO CLOSE THE ACCOUNT AND RECEIVE ITF ME MONEY. I WENT WITH THE PROPER DOCUMENTS ADN THE YGAVE ME A CERTIFIED CHECK WHICH I DEPOSITED IN MY CHASE ACCT. ONE DAY LATER I RECEIVED A VOICE AMIL THERE HAS BEEN FRAUD ON YOUR ACCOUNT PLEASE CALL. HOW DO YOU LEAVE A MESSAGE LIKE THAT, I FREAKED OUT WHAT COULD I HAVE DONE???? I CALL THE NUMBER AND LEFT A MESS. FOR FOUR DAYS STRAIGHT I KEPT LEAVING MESSAGES WHILE MY STOMACH IS CHURNING WITH WORRY?? I RECEIVED A LETTER IN THE MAIL FRAUD ETC ETC PLEASE CALL THIS NUMBER ONCE AGAIN NO PROPER EXPLANATION I GO TO XXXX WITH THE LETTER AND PS THEY SEE THAT CAPITAL ONE HAS TAKEN AWAY THE MONEY. MY BANKER TRIED TO CALL THE NUMBE AND LEFT HIS NUMBER NO RESPONSE. I RUN TO CAPITAL ONE TO GET NOTHING BUT A RUN AROUND AND LIES. THIS ALL STARTED XX/XX/XXXX AND STILL CONTINUES XXXX XXXX XX/XX/XXXX. THEY ARE WORKING WITH MY MONEY!!! FINALLY SOMEONE SAID THEY TOOK THE MONEY BECAUSE THE GENT WHO GAVE ME THE MONEY DID NOT GO THRU THE PROFILE WHERE IT SAID XXXX XXXX MY SISTER WAS ENTITILED TO HALF??? I HAVE DONE MOST OF THE BANKING WITH MY DAD OVER THE YEARS AND I RECEIVED STATEMENTS XXXX XXXX XXXX XXXX XXXX. I SAID OK IF THAT IS THE CASE AND MY DAD CHANGED THE ACCOUNT TITLE I WANT TO SEE THE SIGNATURE CARD AND BENEFICIARY CARD TO MAKE SURE THIS WAS LEGIT???? " WE CAN NOT DO THAT '' I SAID WHAT DO YOU MEAN YOU NEED TO GO TO XXXX XXXX WHERE YOUR DAD OPENEND THE ACCOUNT TO GET THAT INFO I SAID NO I DO NOT!!! YOUR SYSYTEM SHOULD BE ABLE ALL AROUN THE WORLD TO SUPPLY ANY INFO. WITH THAT THEY LIED AGAIN AND SAID WELL WE DO N'T KEEP RECORDS HERE WE NEED TO GO TO THE BACK OFFICE???? I SAID WHAT ARE YOU TALKING ABOUT MORE LIES. I HAVE BEEN TRYING SINCE LAST YEAR FOR SOMEONE TO RETURN A CALL AND GIVE ME INFO TO NO AVAIL. ONCE AGAIN I HAVE SPOKEN TO TWO NEW MGR. AND THE CONVERSATION GOES LIKE THIS " WE DO N'T KEEP RECORDS AFTER 7 YRS. I SAID YOU ARE A BANKER AND MATH IS YOUR FORTE MY DAD OPENED THE ACCOUNT XX/XX/XXXXI WAS HERE XX/XX/XXXX AND ALL THRU XX/XX/XXXX DUE YOUR MATH THAT IS NOT OVER 7YRS. WELL WE NEED ATO GO TO THE BAKC OFFICE STILL NO RETURN CALL TODAY I WAS PROMISED A CALL BACK THREE TIMES I CALLED AND THEY WERE WITH CUSTOMERS AND DID NOT RECEIVE ANY EMAILS FROM THE BACK OFFICE. I SAID THE BACK OFFICE IS A MYSTERY BECAUSE IT IS 6MOS. LATER AND THERE IS NO BACK OFFICE?? WHEN I DID N'T HERE BACK TODAY FROM EITHER MGR. I CALLED THEY SAID THEY BOTH LEFT FOR THE DAY IT WAS XXXX WHEN I CALLED ONCE AGAIN I WAS LIED TO THEY DID NOT RETURN THE THREE CALLS TODAY OR ANY OF MY CALLS FOR 6MOS. I THINK THERE IS A BIG COVER UP IT ALL POINTS TO THAT???? OH BEST ANSWER YET THE OTHER DAY A MGR, SAID DID YOU SPEAK TO YOUR SISTER ABOUT THIS I SAID WHY SHE DOES N'T HOLD THE SECRET TO THE BACK OFFICE OR THE SIGNATURE CARDS YOU DO YOU WORK FOR THE BANK!! I HAVE MORE LIES TO TELL I NEED TO STOP AS THIS HAS GIVEN BE AN XXXX. MY DAD IS GONE MY HEART IS BROKEN AND THE BANK KEEPS STALLING AND XXXX. ME?? <P/>PLEASE HELP ME!!!!!!
Product: Debt collection

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX inquiry ( XXXX XX/XX/2021 ) Equifax inquiry ( XXXX  XXXX These inquiries i have contacted both XXXX and XXXX  companys and reported the inquiries i then contacted XXXX  and equifax to have them deleted made a ftc complaint let them know i had the report and still refused to delete them XXXX delete the XXXX and XXXX from my credit report from both XXXX  and equifax
Product: Checking or savings account

I was had checking account in Astoria bank for 10 years ago the bank changed it his name many times final now his name is WebsterBank.

I surprised this bank stilling send for me the fee for safe box I already closed for 10 years ago I tried to explain to them this account closed and I gave the keys to the bank but not believe me the reason because it didnt found the keys I closed this account from 10 years ago and I give them the keys if the bank lost the keys is not my fool. 
Webster bank XXXX XXXX XXXX XXXX CT XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I purchased a money order in the amount of {$1000.00} to cover my rent. XXXX weeks later, I received a call from my landlord informing me that the money order had been declined. In response, I returned to PLS Checks and Cashing, where I was provided with a form to complete in order to initiate the refund process. To date, I have not received any funds, but I have received multiple communications indicating that the individual responsible for processing the money order no longer works at the establishment. Furthermore, I have been informed that my paperwork was never submitted for processing. 

MONEY ORDER # XXXX LOCATION # XXXX. XXXX XXXX XXXX, XXXX, NY, XXXX