23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened a card with XXXX  ( clothing dept store ) they had XXXX handling their cards at the time. I had tried to make payments but was advised they were in the process of switching from XXXX to Commenity bank, and I couldn't at the time. I had a balance of {$150.00} at the time. I made an XXXX payment, and now I have balance of {$350.00}. All in late fees, and they refuse to wave any late payments.
Product: Debt collection

I have been dealing with portfolio recovery is associates for quite some time now this is the second time since XXXX XXXX that they have close my accounts and then re-open them without my notificatioinhace proof I was not Notified of them opening my account back up after closing all of them
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/2023 I was notified that my venmo account had been suspended and was under review. I was never notified about any of this and basically, my funds are locked. I have a business venmo account and have been using venmo for 5 plus years now and have never gone through this. They can't give me any information as to why this is happening and I have no access to my funds.
Product: Credit reporting or other personal consumer reports

I have paid off several accounts on my credit listed as collections or open unpaid accounts and it has been over 30 days since then. Each account is still listed on my credit report and my score has been negatively affected by this collection and the XXXX credit bureaus refusal to update my credit score by removing them by my background as they should. Per 15 US Code 1681 & the FCRA laws, anything that is negatively affecting my credit must be removed immediately.

I have paid off and was told these collections were going to be removed from my credit report within 30 days. I made payments on XX/XX/year>, to the agencies listed below with confirmation numbers as well. Please have these removed from my background with all XXXX credit bureaus : XXXX, XXXX XXXX Transunion. I have listed Transunion disputes as well as my XXXX disputes to show that they are not honoring the Federal Laws for we the consumer. 
XXXX XXXX Account : XXXX - Paid {$650.00} - confirmation # : XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX - Paid $ XXXX confirmation # XXXX XXXX : Paid {$460.00} - Confirmation # XXXX XXXX -Paid {$280.00} - Confirmation # XXXX XXXX XXXX - Paid {$480.00} - confirmation # XXXX They sold acct ending in XXXX on XX/XX/year>, to XXXX XXXX for collections as well XXXX That is against federal law. 
XXXXXXXX XXXX XXXX XXXX {$630.00} - Confirmation # XXXX XXXX XXXX - Paid {$170.00} - Confirmation # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this as my formal complaint to the TRANSUNION for allowing the fraudulent inquiries and for not taking corrections on my credit report and I have attached the letter with the list of inquiries on it with the identity theft number XXXX. 

As I checked my credit report these unauthorized hard inquiries are still reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It My Concern, I was looking at my credit report on XX/XX/XXXX. I had noticed o the hard pull Inquiry 's and there is a lot of stuff on here I never authorized, Isn't mine and that I am unfamiliar with. Under the fair credit reporting act I was hoping you guys could look into this and hopefully these Inquiry 's which I feel I didn't make unless provided proven paperwork stating otherwise. I have tried calling some of these companies as I believe this to be Inaccurate and possibly fraud. The customer service on these companies is terrible. Here are the items I am disputing. I Just want all the inaccurate information off my credit report. I will also attach a picture of my credit report with this false Information. XXXX XXXX XXXX XX/XX/XXXX I didn't Authorize. XXXX XXXX XX/XX/XXXX I am being hit twice on the same day I didn't Authorize that. XXXX XXXX XX/XX/XXXX I spoke to them XXXX XXXX they had said they would remove that and never did. XXXX XXXX XX/XX/XXXX I never authorized. XXXX XXXX XX/XX/XXXX XXXX Never authorized. Everything stated above I never gave anyone permission to run my credit. Okay lastly XXXX  XXXX XX/XX/XXXX I believe this was a credit card increase they had said would be a soft pull inquiry and that was the only reason I did it. If anybody has any question for me please feel free to reach out as I would like to resolve this matter as soon as possible. I understand with Covid-19 everyone going through hard times. I just want to have accurate information on my report to all the major credit reporting companies.
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 Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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: Debt collection

In XX/XX/XXXX XX/XX/XXXX a credit card was taken out in my name with XXXX, I did n't find out about this till after I was going through divorce, and had moved out of where I was. I disputed it once i fou d out. I heard nothing back until i got the collection letter from Midland Credit Management. I again disputed and requested verification from them. I also coated XXXX myself with them having no information to provide aside account number, and address. A place I had n't been in over 4 years at this time. When asked to prOvid proof of debt, I was mailed a statement with the address I had n't lived at since XX/XX/XXXX. I was then served with a summons from love XXXX out of XXXX, represented by attorney XXXX in XXXX oklahoma in XX/XX/XXXX. I disputed again, and my dispute was ignored, no verification of debt was given, no signed contract, not so much as a signed credit card receipt. I filed my dispute with court and explained that they have provided nothing to sustaniate the debt. It had to go to court in XX/XX/XXXX, I filed my dispute with the court. No proof was given on court either. A letter from a third party who swears by midland credit management business practices says it 's verified, but no evidence was ever or has ever been given. LOVE XXXX CONTINUE to filed motions with the court and a bill that was once {$1100.00}, is now {$2300.00}. They continually try to garnish my check even though my child support was already taking out half of my check. This is XX/XX/XXXX, and they are still causing my life XXXX, trying to garnish bank accounts, and paychecks and have never been required to show one bit of evidence that this is me. They rely on the fact that I am ignorant of the law, and do jot have enough money to hire attorney to fight. I have repeatedly told them this is not me. They will not show any proof, and tells me I have to prove it 's not me. How are they allowed to just take money frim me, and my family with no evidence aside a credit card bill sent to address I was not at any further, and a letter from a third party that neither works for the bank, nor provided any evidence. Please help, they are driving me crazy, I have even offered them XXXX to settle, because I thought there was no other way to deal with this. but they refuse because they can get more through XXXX corrupt court system.and garnishing my bank accounts. I am not able to open an account now, because the levy on my bank accounts made the bank charge me even more fees that I could n't afford resulting in another bad debt., this is causing tremendous stress with my homelife. Please help me. This can not be fair, or legal. If they garnish my check it will not allow me to pay my rent. Which will mean eviction and another bad debt. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was stolen in XX/XX/XXXX in XXXX. About a month after I left for XXXX on a government contract in XX/XX/XXXX. I had a dispute with the insurance company, XXXX, over an inspection that was suddenly required after I called to update my address in XXXX, after I already was in Texas preparing to deploy. 

Turns out by the time the vehicle was taken, the coverage was dropped without my knowledge in the form of notice and the claim was denied. I notified the lender of the insurance claim as well and I continued making payments every month with auto pay. 

Fast forward to XX/XX/XXXX, and the vehicle was recovered by local law enforcement. I was still away, so my father was notified and then told me to call the local impound, XXXX XXXX. where they told me either I had to fly back personally and retrieve it or release it to my insurance. Which I did not have since the car was stolen ; the insurer later dropped me. 

A family friend in the insurance industry told me to make a complaint to the state and see if they can help. I did not want to risk a lien on my account. Florida investigated, then later found in my favor that an inspection was not required and that XXXX had to honor the claim. I was emailed this notice in XX/XX/XXXX. ( I have the emails and memo ) My lender, XXXX XXXX, took payment from me in XXXX and XX/XX/XXXX. I have the bank statements to show for it. They later claimed I was delinquent and sent a threatening letter to my mailing address instead of any other form of contact despite the fact I had called and updated them that the insurance claim was on going. 

According to XXXX, because the vehicle was impounded, they had the right to call in the loan within 30 days dated back to XXXX when the vehicle was first recovered. Despite taking my payments and my dialogue with them about the insurance claim. 

They promptly canceled my XXXX payment and my installment plan. And later reported my account as a charge off just days after receiving a settlement check. 

I have a memo from XXXX laying out the timeline of the claim. Considering I had to hand sign documents and mail them from XXXX. I had no control over how long the paperwork and processing of a check took. 

I have disputed the charge off with each credit bureau showing the XXXX memo. I have asked XXXX XXXX for an adjustment considering I hadnt missed a payment and I was overseas. They have ignored my pleas and insisted on their arbitrary company policy
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE FRAUDULENT UNAUTHORIZED INQUIRES TRANSUNION : 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: Vehicle loan or lease

ACA did not apply payments correctly to account which resulted in inaccurate " late '' payments, delinquent status, and repo order. Paid 3 months in XX/XX/XXXX for XXXX, XXXX, and XXXX XXXX to XXXX only and interest. All payments on time but reports show 7 lates. Request for deferring in XX/XX/XXXX not honored as told if I made a payment by XX/XX/XXXX which I did. Denied deferring again in XX/XX/XXXX due to delinquent status. Payment canceled in XX/XX/XXXX by ACA after putting loan in repo status. ACA rep rude, wouldn't connect me to reinstatement dpt, and hung up on me. Motor seized and upon calling ACA in XXXX was just told I need to make payments or car would be repossed. Late hx, status, and incorrect balance on all 3 credit reports can not finance another vehicle or get a loan. I called the reinstatement dpt who just kept trying to collect money. She finally said I can send a repair estimate over and they would deduct that from what I owe. Then the difference between what I owe and the kbb value of the vehicle can be negotiable to pay off loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a background check and they're saying I some time use the name XXXX XXXX or something like that and that I also lived in South Carolina at one point or another both of these wholly wrong I've never used an alias in my life or lived in South Carolina now My brother XXXX XXXX XXXX has done these things but not me he has also used my name as a alias before several times I've had to deal with that My whole life and tired of it go talk to him about alias thank you
Product: Mortgage

Funds were wired from the state over 30days ago my mortgage servicer is not applying my funds in a timely manner and has me in a forbearance rather than posting my payments to bring my account current and report current accurately to the credit bureau.
Product: Credit card or prepaid card

I could not open this complaint against Mastercard themselves, so I'm opening against the bank that issued the Mastercard, because obviously they are able to communicate with each other and provide a solution.

Another Mastercard offer failure.

The more I use Mastercard, more I see XXXX XXXX is the best. 

Mastercard offered statement credits during Restaurant Week.

I registered my card and used it to dine a few times according to the terms.

I never received the statement credits, not surprisingly.

Typical Mastercard service, as I had same issue in a previous Restaurant Week and also had to open a complaint.

I would never trust Mastercard for any of their insurance/protection. They are not reliable. Certainly my last option after XXXX XXXX and Visa.

Regulatory agencies are not interested in giving these huge business a fine?
Product: Credit reporting or other personal consumer reports

I am in disagreement with the results of this investigation from XXXX XXXX account # XXXX on my XXXX  dipute results.. My account was updated but errors still on my report. The balance is incorrect.. Also the history dates show last payment date is incorrect. Does not match. XXXX XXXX has ruined my XXXX  score by putting incorrect information on my report. The other XXXX credit bureas also have incorrect information.
Product: Checking or savings account

I received a letter from Wells Fargo written XX/XX/XXXX, stating that I had been enrolled into a Home Warranty Product. The enrollment period was between XX/XX/XXXX to XX/XX/XXXX. The letter stated that if I had any questions about the enrollment to call XXXX. So I called. The lady I talked to initially offered a XXXX dollar check, to be sent to me with a remediation form within 45 days. I started questioning why. The lady put me on hold. When she came back, she offered me another {$250.00}, and said it would be in the mail soon. About a week and a half later, I received another letter. This time the enrollment period was XX/XX/XXXX to XX/XX/XXXX. This seemed extremely suspicious to me, but I called the same number on the letter. This time the lady told me I would be receiving a {$120.00} check within 45 days, with another remediation form. So, at no time was I made aware of these enrollments, therefore, I could not have cancelled the product. The real question is, how long was I making payments for this product? I am sure, just like insurance, after the enrollment ( which I did not authorize ) payments had to be made, or I would have received a cancellation notice in the mail, which I never did. Why would a company, without authorization, enroll one of its customers into a warranty program, and only take one payment for the enrollment. That means they created an account without me knowing, which means they used my information to do so. Then, from what they say, they cancelled the product without sending me a notification they were cancelling. My personal belief is, they were using unethical business practices. They were probably doing another scheme, where the employees opened accounts to receive payments, or kick-backs, without the consumer knowing, I am also sure that, the payments went on for a substantial amount of time. Probably until they got caught using other things like, auto warranties, life insurance, etc. It's probably a situation where, you can not get a job at Wells Fargo, unless you have a criminal mind. I have no idea how much they took, or how long it went on. I would also guess that, any information has been scrubbed. I will not cash these checks, until I know exactly what happened. I spoke to the guy in the " Resolution '' department. He stated that these checks also involved payments of penalties, interest, and a few other things. How exactly did all that come into play for a " Home Warranty Product ''?
Product: Mortgage

I filed bankruptcy in 2010 and lawyer had to include mortgage.I never skipped a payment even though I did not reaffirm, which lawyers apparently do not tell you reaffirm.But my mortgage and second mortgage have stayed on my report.I have since paid off my second mortgage and continuing to pay original mortgage. If the not reaffirming mortgagges is reason, should n't at least the second one be removed, paid as agreed. The remarks do n't reflect what has happened.Account status should open on mortgage and paid as agreed on second mortgage
Product: Checking or savings account

Wednesday night ( XX/XX/XXXX ) at around XXXX XXXX I went to an ATM near my old residence to deposit some money, I was moving to my current address, I sold some furniture, I had some cash with me as well and to my security guard decided to deposit it so as not to travel on XXXX XXXX with this money in cash. I didn't count the amount because normally the ATM itself does this, I just followed the steps and inserted my money, then an error screen appeared asking me to enter an approximate amount that was being deposited, so I did some calculations and thought it was around of {$1600.00} and typed that, then a second screen saying to contact the bank as soon as possible if I disagreed with the amount that would be deposited ( I have a photo of both screens ), only {$300.00} was deposited ( I have the receipt saved, where on it contains a message saying that there was an error with the ATM ) so I did it, I called the number that appeared but only robots spoke to me, at that time of night there was no human representative to solve my problem, I felt nervous and anxious and I couldn't sleep right. I woke up the next day and first thing in the morning I called the bank, they told me that I would have to make a claim, so I did, and explained that I was moving and could not be without that amount of money at the moment, she said that They would evaluate the case and if possible, they would release a credit within 2 business days, 2 business days passed and the credit ( which is actually MY MONEY ) was not deposited, so I came to an agency close to my current address in XXXX, CA. and the attendant told me that there was nothing to do (?! ) and that I should wait. So I called the bank again, to talk about Claim number XXXX, and explain that I needed my money, I was treated with contempt by the attendant and I was furious, so I said I would go to the police and contact a lawyer. The lawyer informed me that before I went to court I could make a complaint on this website and here I am.