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

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXXXXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX 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 a account without my written instruction
s
Product: Checking or savings account

XX/XX/XXXX I received my XXXX direct deposit it's been that way from day XXXX. Venmo froze my account again for no reason I've complied 100 %. 

By the unlawfully holding my money I have lost my truck 6 months ago and now I have bonds to be paid and warrant issued if I am late all Venmo continues to hold my XXXX  money from the SSI direct deposit.

Making false claims they are hurting me financially my credit score has dropped off as a direct impact from venmo actions I can't get in touch with the person responsible for the erefreeze.its a midman I deal with who can only tell me they will respond to me in a email XXXX 5 days later.

I want to sue the company the owner the director and the board members for corruption for profiting and hurting me personally efinancially credit score drop the loss of my XXXX XXXX XXXX because venmo refused to release my money to me for 2 months I can't make my loan payment or my bond payment causing me to get arrested, I'm sueing for damages and I have suffered irreversible damages loss of freedom.loss of XXXX. Ok want XXXX XXXX. And they are involved in a scam useing depositers money to broker stocks loosing money out money and profits from our money. In the mean time we as poor people watching the venmo company abuse out rights and illegal use our money refused to refund or allow me to close and withdraw my money as of today my account is froze the company holding and refusing to allow me to withdraw my money from the company. I hold venmo soley responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are incorrectly reporting a charge-off collection in the amount of {$16000.00} on the XXXX XXXX/XXXX/XXXX XXXX XXXX - account number XXXX. ( Please see page attached from my credit report. ) Per agreement from XXXX XXXX XXXX, the vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Debt collection

I started disputing this company since XX/XX/2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this. 

Collector sent me a basic print out of medical bills on their system. That isn't proper Validation. By law if you cant provide proper documentation then accounts needs to me removed.
Product: Mortgage

Re : my loan and mortgage payoff. 
It has been over 5 months (! ) since my loan was paid in full. Yet I have not had one word from UAMC re my payment. More importantly a RELEASE REQUEST from UAMC ( releasing the mortgage lien from the title ) has not been sent either to me or to the title company. This delay in sending the release request within a reasonable time of final payoff is ridiculous to say the least. My only clue as to the final payment was simply that it was recorded on the UAMC website as loan closed. Requests have been answered with " we are backed up ''. Actual personnel has otherwise been difficult if not impossible to contact re any problems. This is a company where no one seems to be able to answer any questions and/or it is simply pass the buck time. 

I should have realized this when we were n't even able to figure out where to wire the final funds. My bank had to spend half an hour to try to track down the information ... with a final answer from the VP Treasurer.
Product: Credit card

In XXXX I opened a XXXX 's Bridal account with Comenity Bank. In XX/XX/XXXX, Comenity closed my account without prior notice. In XX/XX/XXXX, I called Comenity to find out the total balance I would need to pay to settle my account. They told me {$370.00} and so I paid that amount. In either XXXX or XXXX, I received a late payment notification from my bank. I paid all my accounts on time, but when I checked the details it said Comenity Bank. I called Comenity to inquire about this. The representative told me that I did not pay the {$6.00} interest that was charged the next month ( XX/XX/XXXX ). I explained that I had no knowledge of an existing balance because I called to get the total balance to settle the account and assumed everything was good on my end when I paid it. I also told the rep that I had no problem paying the {$6.00} interest but I would need that to be removed from my credit. The late payment caused my score to drop by over XXXX points. The Comenity rep said they would not be able to remove the late payment from my credit report. I have contacted all XXXX credit bureaus, but despite explaining the situation, the only investigation done is the verify that the account is valid. 

*Please note that I opened the account under my maiden name XXXX XXXX and my email at the time was XXXX.
Product: Debt collection

Genesis Credit Management, working on behalf of XXXX at XXXX, is rapidly increasing the amount of my debt owed monthly. The account was added to my credit profile in XXXX of XXXX and the original amount of the debt owed was {$130.00}. Since then, that amount has increased to {$130.00} as of XX/XX/XXXX. I will provide photos of the increases in the attachments.
Product: Bank account or service

I have a payroll check drawn from US Bank. I am not a customer of US Bank and they charge me {$7.00} to cash my check. Is this legal?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Summary : Chase Bank opened and removed the contents ( containing gold, jewelry, & family heirlooms ) of my active safety deposit box and sent it to unclaimed property without my notice. All my accounts are paid for and up to date. I have had a safety deposit box at the Chase Bank located at XXXX XXXX XXXX, XXXX CA XXXX for over 20 years and it was provided as a promotional box with my premier checking account. 

On XX/XX/23 I was sent an automatic payment notice with annual rent for my safety deposit box size XXXX due XX/XX/23. 

On XX/XX/23 I went to visit my safety deposit box and with the witness of 2 bank attendees XXXX XXXX XXXX and XXXX XXXX, I discovered box was empty. The Assistant Manager XXXX XXXX indicated that they had been audited and my contents were removed. She said my belongings were turned over to unclaimed property. She indicated there would be a claim process to recover my contents and I needed to provide an inventory list. 

On XX/XX/23 I returned to question why my box was moved without notification. I requested their records on the date they sent the notification, address, phone number they called, as all my info is up to date and I have an active account that I use frequently. XXXX said she was unable to provide me that. I asked for the auditing paperwork and history they had on my box and she said no, again not able to provide me anything. They did not admit mistake or wrongdoing. A police incident report was filed that day with XXXX XXXX and XXXX at the branch. I have also called the corporate office in which XXXX XXXX filed a complaint with executive management. 

Per the Safe Deposit Box Lease Agreement, the bank should not have had access to remove any contents of my active box and if they needed to relocate should have provided notice. They instead sent me my annual rent notice, to a box that had been drilled into and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not sent by error, I, XXXX XXXX am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Product: Vehicle loan or lease

I called in to TD Auto Finance XX/XX/XXXX to inquire where my overpayment was from my payoff that my credit union sent in. 10 day payoff quote on XXXX was {$58000.00} and my XXXX XXXX sent in a check for {$59000.00} which was applied to my account on XXXX This would be an overpayment of roughly {$420.00}. Rep tried to tell me that was the exact payoff at that time, which I explained was impossible if the 10 day quote on XXXX was {$58000.00}. She refused to provide what the payoff was at the time the payment was applied. Further, I cancelled loan products XXXX XXXX XXXX XXXX which would be applied to the loan balance. They said they applied a XXXX refund, but could not explain where the XXXX refund was. I see a rebate of {$630.00} in transaction history online and the rep could not explain where that went to. That rebate shows the exact same date of XX/XX/XXXX that payoff was applied. They also show fees of {$1100.00} in their online transaction history on my account that the rep could not explain to me. I simply want my overpayments and product refunds sent to me and not kept dishonestly by TD Auto Finance. TD Auto Finance has yet to send me or my credit union the title for our car after payoff as well. Rep became very rude and defensive when I demanded an explanation of how funds were applied to my auto loan which really upset my husband & I. She asked us what exactly we did not understand whereas it was this rep that was not understanding how a per diem worked and a product refund worked on an auto loan. This is just not acceptable and we as consumers are out several hundred dollars that they can not explain to us. Feel free to reach out to us for further info including account numbers, etc. We are happy to provide any documentation needed.
Product: Debt collection

I was contacted by a company called XXXX XXXX XXXX about {$340.00} debt which was transferred by XXXX XXXX. 
Creditor name is XXXX. 

I used XXXX more than 10 years. If any payment issue, it always goes to my bank and credit card company. 

It is typical fraud. 

XXXX  steal my information from my old credit report 5-10 years ago, the only one I had for collection was {$340.00} from XXXX XXXX  , which was resolved back in XXXX. Disputed from XXXX. The account was closed ( XXXX XXXX charged {$200.00} for equipment, but I already returned their equipment ).
Product: Student loan

On XX/XX/XXXX an additional payment of {$1300.00} that I had scheduled to pay against the Direct Graduate PLUS loan was debited from my bank account. When I spoke to the Mohela rep on XXXX they advised this payment was fine to leave in their legacy system. Upon access to the new Mohela platform today, I discovered this payment had not been applied and I also see this on StudentAid.Gov. I called Mohela and was advised it would take up to 90 business days to apply this payment. I intended to payoff this loan next month in XXXX inclusive of this payment. Additionally, I will incur extra interest rate expenses as the balance has not been reduced. This is completely unacceptable. I need immediate action to have either my funds returned to me or to apply these funds against my loan.
Product: Credit card or prepaid card

On XX/XX/XXXX I went in to XXXX XXXX XXXX, Ca. and purchased a gift card to make a Child Support arrears payment. I paid the store cashier {$80.00} plus {$6.00} for an American Express Gift Card. Transaction was completed and I was given a receipt. I tried to register the card for use on the number provided on the card, XXXX XXXX XXXX. I was told by recording that the card was invalid and needed to be registered upon purchase at the store purchased. I journeyed by foot back to XXXX XXXX and was told the proof of register was on the receipt and it was. Manager and I contacted American Express and sent all documents requested before I left the store. After 7 more calls since documents were sent on XX/XX/XXXX, and 6to 8 emails, they usually put me on hold for 20 minutes when I call and then hang up on me. Nothing has happened all calls were fruitless because person on phone ask for card number even though I explain problem, they proceed to tell me it's not registered, return to store to register. I need my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an employee at XXXX when I leased my vehicle. 1st payment was suppose to be made as part of the VPP program at the time for employees. I was not awarded that payment. After fulfilling the 39 month lease agreement (plus 1 extended month) I lease returned the vehicle on XX/XX/XXXX ( documents attached). Come to find out that the last 2 payments made of $XXXX on XX/XX/XXXX and another for $XXXX  a week after that (receipt of payments with confirmation # s uploaded)  XXXX inform me weeks later and after they already confirmed payments, which went as far as posted on my credit bureau bringing my loan current, inform me payments returned and when asked why I was not given a reason. Completely disregarding the NACHA rules and guidelines in a non compliant manor (rules 3.8,2.12.5.1,2.12.5.2,3.12.6) and then go as far as abusing the right to report credit by wiping out the 40 payment history on my credit report and charging off the residual amount of the lease of $XXXX! This is after 12 changes they made within  months. Even removed the loan on one of the bureaus. Other payments were made but I am leaving that out for this complaint because my resolve is to have the history of this lease be accurate and lease returned as it was to show on my credit. Fraudulent reports on my credit and disregard for rules and guidelines have created loss of wages and tremendous hardship the last 6 months. This is abuse of power and disregard for the law and consumers!
Product: Debt collection

I would like to know who the original creditor is and how was my personal information obtained and used to open the fraudulent account.
Product: Credit reporting or other personal consumer reports

Creditor is reporting late payments. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit before I went to the dealership and notice some accounts that were not mine on my credit report and some inquiries.I attached another report of the problems i'm having with my report with the collections accounts. The inquiries are transunion 1. XX/XX/XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX equifax 1. XX/XX/XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX XXXX/XXXX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX item is in violation of the PA statute of limitations which is 4 years. The account has been closed for over 7 years, yet they continue to post on my report and I have tried several times to dispute it with XXXX and Equifax, with no success.
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. 


Account Name : US DEPT ED # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : US DEPT ED # XXXX Account Name : US DEPT ED # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 ) ( 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.
Product: Credit card or prepaid card

Thank you for your time. I used the Barclycard Arrival + card for payments at a hotel stay. This is travel card that advertises that travel-related expenses, specifically hotels, can be paid with points. When I tried to pay the card balance with points, the card company would not allow points. They said that this is not considered a travel expense because the merchant did not classify the charge as a travel expense. So even though it was clearly and admittedly at a hotel, they did not honor their promise to allow for points payments for hotel charges. They advertised one thing and got me to sign up, and in the small print they did something different. Deceptive.
Product: Debt collection

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. 

According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXX XXXX  XXXX I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence.
Product: Debt collection

I contacted Equifax on several occasions disputing and requesting the description of the procedure used to determine the accuracy and completeness of the debt they claim I owe. I have also contacted the creditors in order to confirm the debt they claim I owe. Since these creditors can not verify these debts, Even tho I am the alleged debtor, Equifax couldnt have verified these items. The FCRA, FDCPA and FCDA require a signature on a original consumer contract for a debt to be valid. As per FTC opinion letter of attorney XXXX XXXX XXXX you should be aware that a print out of a bill or itemized document doesnt constitute verification. I would like to inquire how these accounts were verified without providing any proof during my signature. I formally request the method of verification or any document provided during my signature showing that I have or had a legally binding contractual obligation to pay the debt your company is reporting inaccurately. In accordance with the Fair Credit Reporting Act section 168 i, Your company is required to reinvestigate these items and delete them in the absent of any such documentation baring my signature. If you cant show proof that you have verified these debts and you continue to list these items on my credit report I am prepared to sue your company under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
According to : 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.
Product: Bank account or service

I refinanced my mortgage with XXXX XXXX XXXX through XXXX XXXX services via a CASH OUT refinance, and in the process paid off my Vehicle, a credit card, and lastly my WELLS FARGO INSTALLMENT LOAN .... In the process, there was an overpayment to WELLS FARGO of $ XXXX of which I immediately notified wells fargo who had informed me a check would be issued and would arrive in no less than 7 business days ... At this point, it has been 45+ business days, multiple calls, multiple hours spent on hold, multiple research requests, multiple notices that they never actually sent my money back to me, and now finally they have apparently cancelled the check and told me they would direct deposit the overage, which I had requested them to do originally .... Lo and behold its been over a week and still no direct deposit ... They said friday it would be deposited for sure as that was 5 business days after the direct deposit request ( XXXX ) but hey of course I still dont have my money .... I contacted title and they instructed me to reach out to the CFPB ... so this is where we are ....