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

I have sent XXXX XXXX several letters and certified letter.I also have disputing with the credit bureaus and have complaints with cfpb concerning the false, inaccurate, re-aging account. I have ask several time to investigate. Also asking for documentation they provided when the credit bureaus contacted them about my dispute. I still have n't received anything and it still reporting negatively on my credit report. 
XXXX XXXX states in one of the letters that i have a lease entered with them on XXXX/XXXX/XXXX if so where is this lease?? Also i notice on this letter you stated i owe {$5500.00} on the repo date ( XXXX/XXXX/XXXX ). According to the credit reports i was never late or miss a payment from the date i sign the lease ( XXXX/XXXX/XXXX ) UNTIL first late payment ( XXXX ). So .... from ( XXXX ) to repo date ( XXXX/XXXX/XXXX ) i did n't make a payment ( 8 months ). If my monthly payments ( {$430.00} ) x 8 months = {$3500.00} and i know sum interest and maybe small fees but how did you come to {$5500.00} ( amount owe on repo date ). 
XXXX XXXX is reported false, inaccurate info and as a result of these blatantly reckless, wanton, and intentional infliction acts, I have suffered and continue to .suffer general and specific damages.
Product: Debt collection

Wells Fargo is calling sometimes up to XXXX times a day. And they start calling within my grace period. Any time I am more than two days late on a payment they will call repeatedly throughout the day. I have asked them to stop calling me so much. They say they will note the account. They do not. When they call and I ignore the call, it is rare that I even get a voicemail. I have received XXXX and they have called me over XXXX times in the last 6 days. It 's plain outright ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these inquiries were unauthorized. The 3 credit bureaus must delete these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file. 

XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this afternoon, and I can't figure out why. When I checked my credit report, as I regularly do, there were suddenly discrepancies that I hadn't seen before. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Given this issue, I am requesting a thorough review of the documents I've sent so I can put this worry behind me for good.
Product: Debt collection

On XX/XX/19 i transferred my XXXX account to a new account. The phone representative told the XXXX store representative that in order for them to authorize the transfer I had to pay a final balance from my old account for {$44.00}, which I paid immediately at the store. On XX/XX/2019 I received a letter from a collection agency saying that I own XXXX {$29.00}. I contacted both the collection agency and XXXX, I asked them why they never sent me a bill and why they transferred me to a collection agency if I had already paid my final balance as the representative stated on XX/XX/19 and I already started paying phone bill in the new account. The representative and the supervisor keep arguing and acting rude and sarcastic. The supervisor implied that if I don't paid the " hidden charges '' I could damage my credit. They were not professional and unable to explain why they never sent me a bill before but they just transferred me directly to a collecting agency, which makes XXXX a not reputable company, since they put their clients in risk of harming their credit fo no reason. And I can not keep paying their mistake of paying my old account and new account which will be a duplicate charge if I already paid off the final balance from the old account. What they actually want from me is making me pay twice for my phone bill which is an unfair practice.
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( XXXX XXXX XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX Venmo suspended my account leaving a value of {$18.00} in the account. They said there was suspicious activity on my account and asked that I change my password, and upload a photo id and a picture of me holding the photo id, which I promptly did. They said it would take 7 business days to unsuspend my account, but it is still suspended. I have sent several emails to them- which they insist is the only way to pursue this- but I have not gotten any response subsequent to the first email. 

Today I tried to transfer the money in my Venmo account to my bank account, and it wont let me. I then attempted to close the account, but it wont let me. I have only had 4 people I have had transactions with lately and they are all people I regularly pay and am paid by - they are all my friends. 

I have nowI XXXX Venmo stole my money, and found that what has happened to me has happened to many many people- many with a lot more money at stake than this.even though I have only lost {$18.00} bucks, it seems like a highly criminal thing to steal money out of peoples accounts and to arbitrarily deny them access to a service they had known and trusted for years. I hope there is a law enforcement agency that can prevent these corporations from pillaging the money of their trusting customers.i am so sad this has happened - its going to make my life a lot less convenient. It also concerns me that Venmo appears to be assuming bad stuff when I am not doing anything wrong. I dont know where all their tendrils go and how much this could mess up my life as a person facing bankruptcy and really struggling with debt. Venmo was one of the few payment methods I could rely on to send and receive money and its been such a hard year. My best friend of almost 30 years sent me more money than usual this year because I was hemorrhaging money following a breakup. I dont know if that was the activity that was deemed suspicious but she just sent me money because she doesnt want me to die in the streets. Another friend paid me back for her half of a shared dinner date. My ex and I have transferred money back and forth for years as little gifts and helps to each other. My friend in XXXX is XXXX and lives hand to mouth and I send her {$50.00} every few weeks. Thats it. I also put a tiny amount of money into the cryptocurrency options as a little experiment to see if they would appreciate or depreciate. Venmo offered me the option to buy crypto for YEARS and I only recently bought a little, but it was while trying to buy like {$5.00} or {$10.00} of ethereum (? ) that they suspended the account. So if thats what they saw as suspicious- maybe they shouldnt offer it? I think crypto is XXXX and only thought it would be fun to watch if and seee what it did. And now I no longer have a helpful way to send and receive money. 

Here are some other examples of this happening XXXX XXXX XXXX XXXXvenmo/XXXX XXXX XXXX XXXXvenmoXXXX XXXX XXXX XXXXvenmoXXXX XXXX XXXX XXXXvenmoXXXX  It just seems like fraud and theft and like the government shouldnt not allow Venmo to continue stealing from people.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX Opened- I am requesting that this tradeline be removed from all three of my credit reports. Back in XX/XX/XXXX, I moved into XXXX at XXXX XXXX. In XX/XX/XXXX, I put in my 60 days notice to the property after hearing about break ins at the property. During my transition in XX/XX/XXXX, I returned to my property at XXXX and confirmed that my unit was broken into. My unit was next door to the leasing office ( gated community, but access to units on the sides of gates for non-residents to enter ). I filed a police report with XXXX Police Department and notified the property. I was advised that no balance was due after me submitting my 60 day notice, along with moving for safety after my property was destroyed and items were stolen. I was later contacted by XXXX regarding a debt owed to the property that they were collecting on. I received no documentation or proof of this debt being owed. The collector is trying to collect on a company that is permanently closed, shortly after the multiple break ins that took place after mine. This account continues to be on my reports after many years. Ive been told by agents that if paid, it will be removed, but no proof of pay to delete when requested. Small payments were applied after confirming they would settle for what was paid within the 30 days and no deletion of the trade line. The account reflects as OPEN and reports as Collection monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing this is XXXX XXXX ; I sent out letters on XX/XX/2023 ; The letters went out to Experian, XXXX, XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation break. This is not making any sense. 

According to the law 15 U.S. Code 1681i -Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX Account # XXXX ***** XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXt # XXXX
Product: Debt collection

XXXX MADE A FRADULENT LOAN IN MY NAME IN XX/XX/2023, CHARGED THE LOAN OFF, THEN SENT TO COLLECTIONS WITH CONSUMER ADJUSTMENT COMPANY. I DIDN'T KNOW THIS FRADULENT LOAN EXISTED, UNTIL I CHECKED MY CREDIT REPORT. I DISPUTED ACCT THRU XXXX IN XX/XX/2023, AND RECEIVED FEEDBACK THAT ACCT IS ALLEGEDLY VALID. I HAVE NEVER APPLIED FOR, OR EVER RECEIVED ANY FUNDS FROM XXXX. XXXX REFUSED TO EXPLAIN OR DISCLOSE CREDIBLE PROOF THAT THE {$2600.00} BOGUS LOAN IS MY DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inquiry 's on my report 3 times with Transunion and XXXX. I was told they do not delete inquiry 's even if it is due to fraud. I was told to contact the company 's them self 's who ran the credit. I tried to contact the companies with no responses. I told the credit agency 's they are not responding so Transunion and XXXX say the inquiry 's will just stay then. This is not fair to me and my rights are being violated. These are the listed inquiry 's in question.. Transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The missed payments sill showing on my account and these payments were in 2016. They are too old and still hurting my credit.
Product: Credit card or prepaid card

This is a formal written complaint to Chase Credit Card company for not updating my address information, failing to send a bill, and causing my credit score to drop almost XXXX points. There is an account reporting on my credit report for Chase and its showing past due. I have not used this account for over ten years and have received no documents from Chase that there is a balance. This is a joint account with my sister and these are her charges as I dont even have a credit card for the account and I canceled this account XX/XX/2020 after I found out it had a balance. I gave Chase my address to send any bills when I canceled the account on XX/XX/2020 since I dont have access to online and I have never received any statements or documents showing the account had a balance. I have always paid all my bills on time and Im not irresponsible with my debts. I have never had credit score issues and the reason I found out the account still had a balance was because my score dropped on XX/XX/2020 XXXX and today its XXXX. This is not my debt and now that Chase has adversely affected my credit I want this debt to be removed from my credit and my name. I have called Chase several times about this issue and the customer service employees say there is nothing they can do not even note the account I called.
Product: Credit reporting or other personal consumer reports

Experian has not met its legal obligations under the Fair Credit Reporting Act ( FCRA ) to properly reinvestigate disputed items on my credit report, leaving inaccurate or unverifiable accounts unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and inadequately notifying consumers of dispute outcomes. These problems mirror my experience, where Experian has neither corrected nor removed disputed items despite the evidence I submitted, continuing to harm my credit. I am requesting immediate action to either remove the disputed accounts, as Experians failure to act violates federal law and my rights as a consumer.
Product: Mortgage

I have sent via email, on XX/XX/XXXX, a package for a loan modification application, and since then I email 4 times to my direct point of contact resending the loan modification application and asking for email confirmation. As of today, XX/XX/XXXX, she still did not answered to me to confirm receipt of my loan modification application. 
I email as well on XX/XX/XXXX, to the loss mitigation department the same loan modification application, and they also never confirmed receipt of my application. 
All my emails sent to the mortgage company with my loan modification application where cc to my loan counselor, and she also didnt receive confirmation for the email sent with the loan modification application when asked. 
I have just come out of the mortgage forbearance on XX/XX/XXXX, and I need a loan modification in order to be able to pay going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out multiple times to Homepoint Financial to have XXXX time late payment removed. The company was doing a conversion and switch company names. No action taking by the company.
Product: Student loan

On XXXX XXXX, 2017, I signed in to my Great Lakes account to make a payment for the month of XXXX. Because it was after XXXX XXXX, my account had fallen " past due. '' I made a payment for the full amount owed for that month ( which was just under {$500.00} ) and my account still remained " past due. '' It did not have any information supporting that a payment was made and was being processed. Instead, it said " please make a payment for your past due account. '' I decided to wait until the following day to see if my account status changed. The next day, the website still said " your account is past due, please make a payment. '' I checked with my bank and no charge was initiated or pending, so I believed the first payment had not gone through. The website should have stated " payment processing, '' or " payment received, '' or anything to indicate that, while the account may still be in a past due status, a payment for XXXX was no longer owed as this one was being processed. Instead, it was misleading and asking for an XXXX payment. As such, I made a second payment of almost {$500.00} for XXXX, only to realize days later that both payments went through. Great Lakes stated that I would need to wait a week for the payment to fully process and then could request a refund, which would take about 45 days. I believe their website is intentionally set up that way to mislead people into making additional payments when they are not necessary. I feel cheated out of an additional {$500.00} that I had not budgeted for this month. Great Lakes made no acknowledgment of the unreliableness of their website and I do not believe they will make any changes to make their payment collection more simple and less misleading for those who are trying to pay back their loans. I logged back in today, two days later, and my account still says I owe a payment for XXXX.
Product: Credit card or prepaid card

Referring to case number XXXX My case was closed with no resolution or approval for my closure. I disputed 2 transactions as one was fraud/duplicate and the other was my actual transaction. Specifically which one was fraud/duplicate and which one was mine I'm not sure. I originally had both transactions being disputed but 53rd is not assisting in any way shape or form. They just closed out one dispute without my permission and the other one they are stating that an EMV card was used. The transaction is for parking and one transaction shows XXXX, FL and the other shows XXXX, FL. If I'm parking a car how do I pay for parking with an EMV Chip in 2 different cities. 53rd has done nothing to assist with this matter. In the last case XXXX, all they said is that the matter will be looked into to but then closed out my case without a resolution.
Product: Credit reporting or other personal consumer reports

I sent multiple dispute letters to your company, but I am still seeing the same inaccurate information on my credit report. According to the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation for not reporting 100 % accurate information. 

I am attaching copies of all the letters I previously sent.
Product: Student loan

Since XXXX I 've been religiously paying XXXX XXXX XXXX XXXX through XXXX XXXX and Navient. There were 7 loans ( between $ XXXX and $ XXXX each ) that totaled {$94000.00} ) that were secured between XXXX and XXXX to help get my XXXX daughters through a XXXX based University. The interest rates were supposed to be fixed at between 4 % and 5 %. I have been paying an average of about $ 500/month for the past 20 years and as of today, only {$19000.00} has been reduced from my original obligation. How can I have paid XXXX/Navient over {$120000.00} during this time frame and still owe {$74000.00} of a {$94000.00} bill??? In closely reviewing how these payments were handled by Navient, as little as {$0.00} has been applied to the principal about 40 times. My most recent payment of XXXX XXXX only had {$55.00} of a {$550.00} payment applied to principle. The average over the past 15 years paid to principle varies every single month despite being a fixed loan but averages about {$130.00} of a {$550.00} payment. In my opinion there is fraud here. Navient has offered no better viable options since the inception of these loans and they are impossible to get through directly. I am now XXXX and recovering from a debilitating illness. I 'm not looking for sympathy, only looking for an intelligent answer to this issue before I request legal advise.
Product: Debt collection

Hi, I received a notice from Midland Funding LLC in regards to a debt that I have no prior knowledge of for the amount of {$570.00}. I believe this is a mistake and I have notified Midland through an online dispute and would like to get this removed immediately off my credit report.
Product: Credit card

Chime credit builder credit card. 
In order to use the card you must first load money on to the card otherwise transactions will be declined for insufficient funds. 
Chime has sent me several statements claiming I owe them over a XXXX dollars for credit transactions that have occured throughout the past 6 months. They negatively reported my account delinquent when this is impossible to occur. THERE IS NO WAY TO SPEND MONEY UNLESS THE MONEY IS LOADED BY MYSELF. SO ANY MONEY THAT WAS SPENT WAS MONEY I LOADED TO THE CARD ONCE THE MONEY IS GONE THEN THE CARD IS DECLINED. SO HOW IS CHIME SAYING I OWE THEM MONEY THAT WAS LOADED BY MYSELF AND USED BY MYSELF. THEY NEVER GAVE ME ANY CREDIT LIMIT OR ALLOWED ME TO INCURE DEBT FROM CREDIT TRANSACTIONS. I SUPPLIED THE MONEY TO THE CARD USED MY MONEY AND THEY ARE BEING DECEPTIVE BY REPORTING NEGATIVE TO CREDIT REPORT
Product: Credit reporting or other personal consumer reports

Payments were made on the account and creditor evidently refused payment because they reported account late which is a violation of 15 USC 1666 ( b ) a ; 15 USC 1681e ; 15 USC 1692. Creditor has engaged in harassment initiated on XXXX XXXX XXXX and has continued not less than twice daily with phone calls starting as early as XXXX XXXX XXXX until the hours of XXXX XXXX XXXXXXXX. These actions performed by the creditor has caused emotional stress and mental anguish with the repeated calls throughout the day everyday.
Product: Checking or savings account

Banks are requiring that their customers who want to earn miles to travel/airlines have to apply for credit cards. That makes no sense for those that have no, bad, or average credit.
Product: Debt collection

I have previously submitted a complaint for this account to XXXX XXXX and they closed their account and sold it to Lockhart, Morris & MONT. I do not owe this debt a former stepdaughter did. I ask for proof of debt from Lockhart and they have not provided it. But they continue to flag my credit account as collections refer to previous complaints on my account for you