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

in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 601 states i have a right to privacy, 15 usc 1681 section 604a 2 also states a consumer reporting agency can not furnish an account without my written instructions, 15 usc section 1666b a creditor may not treat a payment on a credit card account under an open ended consumer plan as late for any purpose. My data was breached by the cfpb, XXXX  XXXX and equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was submitted to TransUnion regarding a 30 days late listed on my credit report for the month of XXXX, 2019. I disputed that XXXX 's payment was not 30 days late, but was indeed paid. TransUnion stated, after the investigation was complete, that it was reported accurate by the data furnisher. 

Attached is proof that a {$1000.00} payment was made for the month of XXXX on XX/XX/XXXX to XXXX XXXX and was not late, along with the confirmation number furnished by XXXX XXXX. There was also more than the minimum payment paid on XX/XX/XXXX for {$50.00} shown as well. This proves that the XXXX payment was paid days early and was not 30 days late at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with Fair credit reporting act XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without written instructions
Product: Money transfer, virtual currency, or money service

Venmo closed my account and locked me out, they did not provide any warning or explanation, and they continue to refuse to provide explanation when I inquire. That's all well and good, but I have {$950.00} dollars or so in there and they are refusing to release my funds back to me. I also have a venmo credit card that will automatically deposit my rewards points into my venmo account, however when i call or email to get my funds released or transferred to me, they refuse to do it and refuse to provide a reason why. They are simply holding my money hostage and refusing to release it.
Product: Credit card or prepaid card

My husband and I separately applied for a XXXX XXXX  XXXX credit card offered by Synchrony Bank online, most recently on XX/XX/2020. I was denied once ; my husband was denied twice. 

The reasons given by Synchrony do not match up with a description of our credit profile at all. ( see attached ) For example, the latest denial of my husband 's application stated : -Too few bankcard accounts -Days since most recent inquiry is too short -Number of inquiries -Date of issuance of applicant 's SSN does not match date of SSN of peers None of these statement/phrases are consistent with his credit. I had similar reasons applied to my denial : ( see attached ) - Days since most recent inquiry is too short - Not enough mortgage experience - Length of time oldest bank revolving account has been established is too short - Distance between prior residences is too long This  criteria for denial does not match ME. I have had numerous mortgages and all are paid off. My husband has a car loan that is current. I have had credit cards for more than 40 years. 

Our individual credit scores are above 800. We always pay our balances in full and on time. We have numerous credit cards, including at least one with Synchrony itself.

Synchrony has responded to my written complaint. Its 3rd party subsidiary, XXXX XXXX, also has not responded to my written complaint. I tried to fax my complaint to the number provided on its complaint form, but the fax number did not pick up after repeated attempts. I sent the complaint by mail. ( see attached ). 

I am concerned that our credit rating may be affected by these two denials.

Moreover, we lost out on an opportunity save $ 1,000+ on a purchase at XXXX XXXX  XXXX and had to use a Mastercard instead ( MC, by the way, accepted the purchase on their credit card, but we lost the 10 % savings if we had received the XXXX XXXX  XXXX card. ) We are upset that there has been no response to our complaint about the denial and no effort to take a look more closely at how the reasons given for the denial do not match US. 

Please help. Thank you!
Product: Debt collection

THIS IS IDENTITY THEFT I HAVE GIVEN NONE ONE PERMISSIBLE PURPOSE CERTIFICATIONS BY WRITTEN HAND TO REPORT ANY INFORMATION TITLE 15 1028 IS ALSO A EMERGENCY CONSIDERING LEODIS RANDLE MY PRICEY IS PROTECTED BY GRAVE RESPONSIBILITY 15 USC 6801 PROTECTION OF NONE PERSONAL INFO THIS IS A CRIME SO THEREFORE I REQUEST THAT ANY REPORT THAT HAS BEEN BOUGHT OR GIVEN TO ANY AGENT TO REPORT ANY INFORMATION CONCERNING XXXX XXXX TO A COMPANY TO REPORT AS TRUE FACTS ABOUT XXXX XXXX HAS COMMITTED FRAUD AND SHALL PAY XXXX DOLLARS FOR EVERY VIOLATION THAT THEY HAVE DONE STARTING WITH GIVEN OUT INFO WITHOUT CONSENT THERE FORE XXXX REQUEST ANY AGENT TO SHOW THE CERTIFIED PERMISSIBLE PURPOSE AGREEMENT THAT SHALL BE IN WRITTEN BEFORE GIVEN TO ANY OTHER SOURCE XXXX ADD THAT HE HAS NO SIGNATURE WITH THESE AGENTS ON RECORDED AND TO STRIKE OFF THE RECORD ANY AND ALL INFO THAT HAS BEEN SENT CONSIDERING XXXX XXXX THAT GOES FOR ANY PARTNERSHIP THAT HAS BEEN CREATED WITHOUT PROPER AUTHORITY TO ACT AS THIS BY LAW FRAUD IS REASONS THEY HAVE LIED TO THE PUBLIC TO DECEIVE AGENTS INTO WRONG DOING XXXX REQUEST THAT ANY COMPANY CEASE AND DESIST AS THIS TIME THAT HAS BEEN DEALING WITH XXXX  AGENTS BECAUSE THEY DO NOT HAVE PROOF OF THE CERTIFIED PERMISSIBLE PURPOSE SIGNATURE THEY HAVE USED A VERBAL AGREEMENT THAT IS VOID BECAUSE THIS WAS NOT MY DOING EITHER BY PHONE OR IN PERSON PLEASE SHOW THIS DEMAND FOR THE PERMISSIBLE PURPOSE NO NOTICE HAS BEEN GIVEN UNDER TITLE 15 6803 THE RIGHT TO OPT-OUT THIS IS KEY IN GENERAL NO ONE CANT REPORT MY INFORMATION TO A CONSUMER REPORTING AGENT OR THIRD PARTY WITH NO NOTICE SEND A CASH YEAR CHECK TO XXXX XXXX AT BANK ACCOUNT XXXX ACCOUNT XXXXXXXX XXXX XXXX  IF THE COMPANY CAN SHOW THAT THEY HAVE THE DISCLOSURE FORM THAT PROVE A HAND WRITTEN SIGNATURE THEN THEY CAN APPEAL ONCE THEY SHOW ALL THREE DISCLOSURE HAS BEEN CERTIFIED IF THE HAVE REPORTED THIS INFO WHILE CONFIDENTIAL THEY ARE IN VIOLATION OF THE CONSUMER PROTECTION LAWS AND SHALL SEND A CASH YEARS CHECK FOR XXXX DOLLARS BY LAW ASAP WITHIN XXXX HOURS AS THIS IS KNOWN FRAUD ANY OTHER AGENTS THAT HAS BEEN IN RELATIONSHIP AND INTEREST IN THIS UNLAWFUL ACT HAS ALSO BEEN IN VIOLATION AND SHALL SEND A SUM OF XXXX XXXX DOLLARS TO XXXX XXXX TO THE ACCOUNT ABOVE AS IN THIS NOTICE STATED TODAY OF FRAUD AND VIOLATING THIS SHALL BE FOR ANY VIOLATION THAT HAS BEEN DONE XXXX WILL SETTLE FOR XXXX DOLLARS IF THE AGENTS HAS DONE MORE ACTS WITHOUT CONSENT WITH ANOTHER PARTY AGENT XXXX ADD THIS AS CORRUPTION UNDER THE FARA ACT AND THE FOREIGN AGENT REGISTRATION ACT OF 1938 AND ANTI BRIBERY STATEMENTS STOP PLAYING GAMES WITH MY PERSONAL INFO BECAUSE YOU DON'T HAVE CONSENT AND HAVE XXXX HOURS TO SHOW PROPER CERTIFIED PERMISSIBLE PURPOSE SIGNATURES ON RECORD OR THIS WILL BE TAKEN AS TRUE ON XXXX BEHALF AND THAT THE COMPANIES AGREE TO THIS PAYMENT THIS IS MY AFFIDAVIT NOTICE WITH ALL RIGHTS RESERVED UNDER THE CONSUMERS LAWS TITLE 15 1681 A ALSO ANY VALIDITY OF THE INQUIRES OR DISCHARGE IT TODAY OR GET SUED FOR YOUR CONDUCT IN FEDERAL COURT FOR ABUSE OF AUTHORITY AND IDENTITY FRAUD SHAME ON Y'ALL ALL
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 XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 reporting or other personal consumer reports

This complaint against XXXX XXXX due to unresolved billing errors and unauthorized involvement of a third party, XXXX XXXX XXXX, in debt collection activities. 

Billing Errors XXXX XXXX charged me for services I did not authorize, and these charges have remained on my account despite multiple attempts to resolve the issue through their customer service. These billing errors have caused financial harm and unnecessary stress. 

Unauthorized Third-Party Involvement, Without my consent, XXXX XXXX engaged a third party, XXXX XXXX XXXX , to collect on the disputed account. XXXX XXXX XXXX reported derogatory marks to all three credit bureaus ( XXXX, Equifax, and XXXX ). However, between XX/XX/year>, and XX/XX/year>, XXXX XXXX XXXX removed these marks, providing evidence that the debt claim was invalid. This removal signifies an implicit admission of wrongdoing by XXXX XXXX and XXXX XXXX XXXX. 

Privacy and Regulatory Violations, XXXX XXXX actions violated federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : Unauthorized disclosure of my account information to XXXX XXXX XXXX, a third party, without my consent. Reporting inaccurate and damaging information to credit bureaus, negatively impacting my credit score. 
As well as Violating my right in acts ( RFPA & GLBA ) : Under 15 U.S.C. 68016809 ( GLBA ) and 12 U.S.C. 34013422 ( RFPA ), financial institutions are mandated to ensure the security, confidentiality, and proper handling of nonpublic personal information. Based on your correspondence and my ongoing concerns, I have identified the following critical violations, I demand XXXX XXXX take the following actions to resolve this matter : Opened ended Account and i Revoke any POA over my security interest as well.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the presence of certain items in my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number [ XXXX ] for this incident. 


As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information.

I hereby request the immediate removal of the following accounts from my consumer report : Account Info Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Unauthorized Inquires XXXX Inquired on XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX These accounts were reported without my written consent and are a direct result of the identity theft incident, as indicated by my FTC reference number [ XXXX ]
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX  XXXX - XXXX - {$36000.00} XXXX XXXX - XXXX XXXX {$3300.00} XXXX XXXX  - XXXX - {$3900.00} Inquiry XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Personal Information Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, Employers : XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I sent a follow up letter to TransUnion requesting they re-investigate the verification of a collections account with the company : XXXX XXXX XXXX, in which they replied, explaining the account had been verified. In the follow up letter I requested the procedure in which they used to verify the accuracy of the reporting. I asked that they provide me with names, addresses, telephone numbers of each person contacted regarding this alleged account. As well as any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them. I specifically noted that any automated response or e-oscar verification would not be accepted. XXXX  did not provide me with anything that I requested from their re-investigation. I'm asking that the fraudulent account be removed from my credit report immediately. Thank you for your attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the following accounts with Experian, XXXX and XXXX for almost 6 months now. 

Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX ( I asked them to verify that I was ever late on this account ) They failed to provide with this information as well as how did they come to the conclusion of ( account has been verified ) Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX I have contact XXXX  myself and ask them to validate this account to be mines via mail. The company responded that in fact the debt has been sold to a company by the name of XXXX XXXX. I have written letters that I sent out of this proof and the bureau is still reporting this unverified and incorrect information. 

How have you properly verfied this information and it has been sold to another company that isn't even being reported or has any information on me? 

Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX I asked them to verify the account that I was ever late. It came back verified. I ask for a reinvestigation and what supportive documents did they see to come to this conclusion. They responded by ( the account has been updated ) Source : Experian Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX SIMPLE I ask for a reinvestigation and to see supportive documents that proves this is my account and that I was ever late. ( They did not ) They responded with account updated Source : Experian Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Court Name : US BKPT CT MI XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX Type of Record : Bankruptcy Reference Number : XXXX XXXX has deleted this invalid information from their system because it can not be properly verified. The bureaus ' verify Bankruptcy information through XXXX and this should have been deleted once XXXX proved that this item was unverifiable.
Product: Bank account or service

On XXXX/XXXX/15 I transferred {$100.00} into my checking account anticipating a transaction for life insurance on an average day the transfer from my savings account to my checking is normally immediate but Wells Fargo charged me an over draft fee because I have a pending bill pay I want to know how can you charge an overdraft fee on something that is pending I think Wells Fargo is always trying to stick it to the little man
Product: Money transfer, virtual currency, or money service

XX/XX/18 my daughter transferred {$450.00} through XXXX for purchase of tickets. She did not receive the transfer as promised through XXXX. 

I received a notice from Wells Fargo that the transaction took place along with a phone number to call Wells Fargo if there were any questions. I called Wells immediately ( within 5 minutes after the transfer ) and they said there was nothing they could do to help with this fraud. 

On Wells Fargo 's website it says Online Security Guarantee covers XXXX transactions when initiated from Wells Fargo Online or Mobile. This is NOT BEING HONORED. 

My teenage daughter worked very hard for that money PLEASE HELP her get her money back.
Product: Credit card or prepaid card

As of my XX/XX/XXXX statement, I was carrying the following balances listed in the " your finance charges '' section of my bill : Purchases ( 0 % Apr ending XX/XX/XXXX ) {$7000.00} Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$1400.00} That month I made a payment of {$7000.00} on XX/XX/XXXX so that I could open up more credit, because I did another transfer taking advantage of the offer I still had for 0 % until XX/XX/XXXX. I did the transfer for {$5800.00} on XX/XX/XXXX during the same billing period as the {$7000.00} payment. 

Instead of applying the payment to the previous purchases balance I was carrying, PNC applied the payment to the balance I had just transferred 2 weeks prior leaving me with the following balances listed on the XX/XX/XXXX statement : Purchases ( 0 % Apr ending XX/XX/XXXX ) {$7000.00}, so no portion of my payment was applied to this balance at all. 
Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$770.00}, so {$620.00} was applied to this balance Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) XXXX. This is the promotion I had just done during this billing period for {$5800.00}, so {$2900.00} was applied to this balance. 

I made a payment of {$190.00} on XX/XX/XXXX, thinking that my balance was under a promotional period and that I had time to continue trying to pay this down at 0 %. 

Then on my XX/XX/XXXX statement, my new balances were : Purchases ( 0 % Apr ending XX/XX/XXXX ) {$7000.00}, still no portion of any payments was applied to this balance at all. 
Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$320.00}. This is the promotion I had just done on XX/XX/XXXX for {$5800.00}, so another {$2600.00} was applied to this balance. 

Then finally in XXXX, my balances were : Purchases {$7000.00} meaning {$21.00} was finally applied to this balance after the promo period ended and I was now charged {$100.00} in interest charges. 
Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$190.00}. Again, this is the promotion I had just done on XX/XX/XXXX for {$5800.00}, so another {$130.00} was applied to this balance. 

So I was charged {$290.00} balance transfer fee in XXXX only to have all my payments be applied to that transfer as well as a lower balance transfer ending more than 12 months after the purchase promotion that was not having payments applied to it at all. I know this organization is here to try to protect us, and I have never been more confused or felt more taken advantage of by a credit card company since my first card 19 years ago. Please consider helping me and others, since am sure they are doing the same process to other accounts.
Product: Debt collection

This is a continuation of Case Number XXXX. <P/>I have tried numerous times to get XXXX XXXX XXXX XXXX XXXX and their collection agencies to communicate to each other that the debt they are trying to collect has been credited by XXXX on three separate occasions. I most recently simultaneously received the third credit invoice direct from XXXX and a new collection agency ( AWA Collections, XXXX XXXX XXXX, XXXX, CA XXXX ) XXXX ) is contacting me to collect on the {$0.00} balance I owe? AWA is a more aggressive collector as they are going to report to the credit agencies. The first collector from the " XXXX Collection Department '' had threatened and apparently did turn this over to them. <P/>I had uploaded several documents in Case Number XXXX. I have attached here the third credit invoice from XXXX and the latest collection letter from AWA. <P/>I am not sure how to proceed given I can not get the various parties involved to communicate directly. <P/>Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have 4 inquiries on my credit report that are fraudulent.
Product: Credit card

I opened a Best Buy credit card on XXXX XXXX, XXXX. My payments have been on time every month until XXXX XXXX. The due date was XXXX XXXX and with the excitement of the holidays and being out of town for New Years, I missed the payment. After I paid both the XX/XX/XXXX and XX/XX/XXXX amounts due well before the XX/XX/XXXX due date, I messaged Best Buy via secure messaging through their website requesting a late fee waiver. I was sent a standard response stating the fee could not be waived. I asked a 2nd time and mentioned that most companies strive to treat each customer fairly and on XXXX XXXX, XXXX, my fiancee also opened a Best Buy credit card. She missed 1 payment prior to XX/XX/XXXX so her history with the company at that time was even shorter than mine is now but her late fee was promptly removed upon her request, also sent via secure messaging on the Best Buy website. I let them know that I expect the same courtesy to be extended to my account. These accounts are in no way related so it 's not that we had already received our XXXX waiver per 12 mos. as is the policy for most banks. The 2nd secure message I received from Best Buy was the same response I received the XXXX time, a standardized message that was copied and pasted, again denying my request for a late fee waiver. I did some research on UDAP to see if they were allowed to grant a waiver for XXXX customer and not for another and actually found that the Card Act specifies the XXXX late fee on any credit card account should not exceed {$25.00}. Citi Bank, which finances the Best Buy credit card, is charging {$27.00}. My fiancee also works for a bank and they only charge {$25.00} for the first late fee. So not only is Citi Bank/Best Buy treating customers unfairly when asking for the first late fee waiver but they are also charging more than the {$25.00} standard the Card Act legalized. I would like this looked into in order to see if they are violating both Card Act for charging {$27.00} and UDAP for inflicting monetary harm on more than XXXX persons ( every customer charged {$2.00} more than the legal amount for their first late fee will add up to a lot ).