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

Ongoing problem. Ive been requesting proof of bankruptcy that is on my report for over a year. They have yet to comply with the law. In 2017 a revision to the FCRA allowed for public records to be used. However, they are required to provide my full social security number or birthdate on that public record, to which they did not do. they have used every excuse available as to why they are not complying. They are also stating that the bankruptcy will remain for 10 years by law. Just to clarify the law states it is a maximum of XXXX years. They are using this as further punishment when it is completely unnecessary. since it has been over a year and they still have not complied with federal law, the bankruptcy is to be removed from my report immediately. i am already preparing this case for court and fully intend on serving them a summons. CFPB is giving me a place to voice my concerns, but obviously has either no authority or intent to assist in this matter. i will be looking into that issue as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights have been violated by XXXX, Transunion, and XXXX  for Account # XXXX. In accordance with the requirements of the FCRA ; U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Account # XXXX was added to my report in XXXX and was removed in XX/XX/XXXX. This collection account was reinserted on all three credit reports on XX/XX/XXXX. I received no such notification of the account being inserted back onto my reports. This is a violation of the FCRA. 

The pictures show the account was reported on my credit reports on XX/XX/XXXX. The account was subsequently removed in XX/XX/XXXX. And The last photo showing the account was reported back on my credit file on XX/XX/XXXX with a new and different balance.
Product: Vehicle loan or lease

The fair market value of this vehicle that I purchased through Credit Acceptance Corporation was met and now they are demanding thousands of dollars in interest. I had lost my job and the original loan was at a higher than legal amount interest rate which caused me to release the vehicle back to them voluntarily. I was garnished and met the initial amount of garnishment and now have to pay thousands more in interest. I was never allowed to appear in court due to never receiving court documentation at correct addresses. The amounts of monies paid, car sold at auction, fair market value and now interest owed on top of interest paid is not matching up. Credit Acceptance Corporation did to me what they did to citizens in Massachusetts, which won a lawsuit against them. I dont live in Massachusetts but am a victim as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you for a resolution to an issue with XXXX XXXX XXXX XXXX reporting my account information to Transunion and XXXX credit reporting agencies. XXXX XXXX XXXX XXXX has failed to provide a contractual agreement between them and me. They only supplied me with a document signed at the dealership with a dealership employees signature not a XXXX XXXX employee signature. I sent a Conditional Letter of Acceptance requesting them to remove the account from my consumer report. They refused and also did not provide me any supporting documentation to validate we have a contractual agreement. I am demanding immediate removal of this account from my consumer reports.
Product: Money transfer, virtual currency, or money service

This is the second time in a few weeks that Venmo does not let me transfer money without valid explanation nor a solution to fix the issue. They just say that my transfer is being declined due to security issues, even though I am " friend '' with the person to whom I send money. There is no way to resolve the issue according to the " chat agent ''. Basically the answer I keep getting is " if you cant transfer money with us try another means ''. 


Here is the answer from the supervisor below : XXXX XXXX ( Venmo ) XX/XX/2020, XXXX XXXX  XXXX Hey XXXX, My name is XXXX, one of the supervisors here in Venmo. 

I'm really sorry you weren't able to use your Venmo to pay XXXX today. If I were in your situation, I'd totally feel the same way. Im happy to share more information about this process as well as some steps you can take in this situation. 

All payments are reviewed, so there is no overall account status that I can adjust even as a supervisor, and there isnt a timeline I can provide. We, unfortunately, do not receive exact reasons for an internal risk decline. These declines are automated and in order to minimize risk, we are unable to override them. 

Similar to how your bank evaluates your credit card transactions, Venmo has a robust risk platform that takes many factors into account when reviewing transactions. In this case, the risk scoring process declined this transaction. 

You may try to make the payment again at a later time, but I can not guarantee it will work. You may also try a different payment method, which will be subject to the same internal reviews. 

I sincerely apologize for any inconvenience this may be causing, and wish there was more we could do to help! 

Best, XXXX XXXX | Venmo Support
Product: Credit reporting

I have been working on cleaning up my credit reports with Equifax, XXXX and XXXX since XX/XX/XXXX, when I refinanced a VA Mortgage. At the time I had not checked my Credit Report in years. At the time, I found out that I had been a victim of Identity Theft. The XXXX Credit Bureaus had me shown to have XXXX collection accounts which I knew could not be correct. The Credit Bureaus treated me with disrespect and it took me two months through intensive research, and I eliminated it down to XXXX, which were duplication 's and all Collection Companies selling Out of Statute Debts.changing dates and changing account numbers. The Mortgage Company, XXXX, withheld settlement amounts from my proceeds of about {$5000.00} to pay Out of Statute debts, which was to take care of and remove but they did not. Identity Theft was proven and I have finally got them removed. 
I now only have XXXX negative accounts and official letters have been sent by Certified Mail to clear those up. 
I began shopping for an automobile which we needed and I began in XX/XX/XXXX browsing the internet of dealerships and I only signed a credit application at XXXX dealerships and then upon checking my Credit Reports I had multiple hard inquiry pulls. I requested a Fraud Alert to be put on my Equifax Credit Report and by law they were to report it to XXXX and XXXX. I got a letter from Equifax on XX/XX/XXXX, stating that it was in place and reported to XXXX and XXXX. Well both said it was not reported to them. 
Well Equifax continued to allow car dealers without my consent or signature or verbal authority to pull hard inquiries. XXXX and XXXX has as well. Of course I was turned down for primarily the number of hard inquiries. I eventually found someone who knew the impact of auto dealerships using the term ''shotgunning '' customers Credit Reports, thus now I have XXXX or XXXX hard inquires. I have called and filed online disputes at least three times to no avail. The Credit Bureaus pass you from agent to agent and then you are eventually cut off. They all treat you rudely or you get someone you ca n't understand. 
The Mortgage companies on the hard inquires are just ''phishing '' tactics. 

Please help me to get help to get my credit life back and avoid the worry and embarrassment. I do not anticipate going out for credit unless i have a need. But these tactics causes good people like me to do without or pay higher interest rates. 
i am going to prepare a separate list of the companies involved and ask that they be investigated, fined and whatever is necessary for them to follow the law and Credit Reporting Agencies to follow the rules of laws to protect consumers rights. 
I think 15 days should be reasonable and if not resolved I will start the process of suing these companies. Now lets see if any action is taken. If they can produce my signature of authorizing inquiries I will exclude them from the list, but I only signed XXXX applications assuring me they could get financing with XXXX, XXXX and XXXX even though I tol them they coud not and sure I was tuurned down Thank you. 
XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello, When I recently looked at my PERSONAL CREDIT REPORT it shows a BUSINESS CREDIT card on it, It also shows XXXX  Days past Due. 
I did not authorize the creditor to put any BUSINESS CREDIT card on my PERSONAL CREDIT REPORT, I was never late on any BUSINESS CREDIT CARDS as well. THE CARD and the late payments needs to be removed IMMEDIATELY The account is XXXX XXXX XXXX
Product: Credit card or prepaid card

I left the military and went to cancel my credit card because they no longer waived the annual fee. American Express said that they would waive my annual fee if I spent XXXX on the card over the XXXX months. I told them that this would only delay me cancelling the card for another year and they said that in that situation I should just call back to see if they have additional promotions. Based on their word, I decided to keep the card for another year. I called back this month to cancel my card and after I cancelled they billed me for XXXX $ and are also holding XXXX $ of my money hostage while also charging me 20 % APR on the remaining balance. They are changing their terms of the agreement and are now saying that since I cancelled the card within 12 months that I didnt follow the terms of the agreement. This doesn't make any sense, I am XXXX and don't even make enough money to pay for this card, they are now charging a XXXX $ annual fee. I would've never renewed the card if they had been honest with me from the beginning. I don't understand how they can legally change the terms of the agreement, this sounds like fraud to me, and they should be held accountable. They are taking advantage of service members that are transitioning out of the service and it is unethical.
Product: Checking or savings account

I deposited my irs check in my account around XXXX in my Citibank account . The amount was about {$1200.00}. Due to my husband unemployment checks being direct deposit into my account. My account was froze. I visited the XXXX XXXX on XX/XX/XXXX to retrieve my money. When I got there the teller XXXX XXXX said she cant do anything from her end. I then spoke to the branch manager XXXX XXXX, who directed me to sit down with representative XXXX XXXX to see if I could get my money that I deposited by check into my account. We called a specialist on the phone from the fraud department named XXXX, she advised that I couldnt get the money that they were still investigating my account. Nothing was accomplished. I contacted Citibank almost everyday to get my money from the check I deposited and all I was being told was they are investigating my account. I would have to wait for a letter to be sent out and 60 days from the date on the letter I would receive a check in the mail. I received a letter dated XX/XX/XXXX. I contacted them in XX/XX/XXXX to see the status of the investigation. Then I was told the funds dont belong to me and that they would send the funds back to the Dept of Labor XXXX XXXX  Still havent received anything till this day. No check in the mail or money sent back to my husbands Dept labor account. Im not working and I really need my irs money back. I have been under a lot of stress and the situation was not handled with professionalism or care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a loan through XXXX. I was informed there was a credit freeze by them but when I called the automated number they said there was NO FREEZE. 

I had to create an account THAT I HAVE TO PAY FOR with Experian to get a number where I could talk to a person to resolve. 

I never placed a freeze. This was inaccurate information by this credit bureau that has impacted my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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

The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received an on line loan with ace in XXXX with payments set up on auto draft. I was able to make a few payments and had some difficulties and cancelled the auto draft. I can not access my loan any longer on their web site and someone is writing manual checks and still taking the payments out my account without my authority. I can not get them to stop and also i have no access to my loan anymore to view what is going on.
Product: Debt collection

I enrolled my debt with XXXX XXXX XXXX. They enrolled my mower with Scheffield financial into my debt program. It was a secure loan. They didn't double check before adding this to my profile. I didn't know what secure meant. I could not log into my profile for the first month. My cell phone number was not even added correctly in my profile so there was no communication on either end. I did a they told me to and unenrolled my auto pay accounts. Stop paying creditors and cobble l block phone numbers. Scheffield came and repossessed my mower after missing my second payment. I tried to explain my debt consolidation to them. They said because I did not communicate with them they would not work with me to get my mower back and catch up on payment. Forth debt company initially told me I would be better off discharging my debt from the debt program ... and taking a loss! Then they wanted me to send a large payment to them to be able to negotiate my mower with scheffield without even knowing if I would get it back from the auction it was going to in another state! So I was left with a repossessed mower that i use for my buisness and a debt company who did not double check my profile before signing me up. So I trashed my credit in belief I would come out on better standing. I lost my main piece of equipment for my buisness. And I was left with no help or justice. Just negative remarks. How can I still save my credit after all this and take repossession off my account?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lawsuit highlighting significant issues with the platform. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I received a call from this number. I answered it and it was a messaged that was someone saying they were XXXX XXXX XXXX XXXX XXXX and they were unable to reach me but if I didnt call back there would be an issue with my account. 
I have no idea who it is. I looked up the information and found that others have had the same type of call from this number. It seems to be a scam or a fraud for information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : Account # XXXX Request for VALIDATION, NOT Verification To Whom It May Concern : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters with a certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I dont remember what day but I remember like a year in a half ago my account was closed. It was a savings account from capital one. They said that my account was showing closed on the app like an error sign to me. I asked why they said we arent required to give that information to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX XXXX Balance : {$160.00} 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 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: Mortgage

Regions continues to refuse to work with us in rectifying their misapplication of our mortgage payment. On [ XX/XX/XXXX at XXXX XXXX ] we asked Regions : " I would like to request/confirm that any additional payments I make to this mortgage will be applied solely to the principal? Thank you. '' The next day we received the response " Yes, the additional payments can be applied to the account. Please make payments after the current payments is due and prior to the next one. The website is the best place to confirm if they were applied as intended. '' We followed their instructions and noticed that the payments were NOT applied as intended. We have been attempting to work directly with Regions and with the assistance of the CFPB since XXXX to have them fix the issue but to no avail as they do not respond to our attempts to contact them. 

We sent a message through the online portal to XXXX XXXX on XX/XX/XXXX and have not received a response. We called a Loan Servicing Escalation Specialist, XXXX XXXX, at XXXX, and left a message around XXXX XXXX  EST on XX/XX/XXXX requesting assistance but have not heard back. On XX/XX/XXXX, we sent a message responding to Loan Servicing Escalation Specialist, XXXX XXXX, per his request, but have not heard back. 

For the record, Regions claims that " a letter dated XX/XX/XXXX was sent to the customer explaining the issue. '' We have informed Regions on multiple occasions that we received no such letter. We have triple, and quadruple checked our files of correspondence, and even verified with the USPS informed delivery service. Therefore, we maintain that no such letter was sent to us. 

We'd proposed a simple solution : we would consider this issue resolved if what we requested 7 months ago was honored : a simple correction of their misapplication wherein {$4500.00} is applied to the principal on XX/XX/XXXX. We will immediately pay an additional {$1500.00} to satisfy the outstanding payment at that point and make our loan current and whole. Regions contacted us and informed us that they would mark us delinquent in this instance ... however we find it unacceptable to penalize and hold the customer delinquent when Regions, by their own admission on XX/XX/XXXX, gave us improper instructions : " From what I see is that you may have used the wrong option to pay principal only. This is not your fault, because the proper instructions should have been provided. '' XXXX ( Regions representative ) We sincerely hope this institution will begin to value its Mortgage customers who enter into transaction with them at great personal cost.