23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Today XXXX I received a letter from Equifax stating that their investigation into My request per section 609 of the FCRA for a listing on my credit report being reported by XXXX be verified by providing me proper documentation has been once again ignored. Equifax sent me a letter stating that Additional Information has been provided from the original source regarding this item. What additional information. All equifax does, as well as the other credit bureaus is tell me to contact the original source. This is not my responsibility. I am not the one reporting the information against me. Section 609 says that if the credit bureau is going to report information against me they must provide proper documentation showing that what they are reporting is accurate, complete and verifiable. They refuse to do so. How do I know what they are reporting meets all 3 standards if they refuse to send me what they have on file. Simply sending me a letter stating that they have received additional information does not provide me the consumer with a proper explanation. They feel that they can report this against me but refuse to provide proper documentation stating why they can report this. When I call them they say they are simply reporting the information as it is provided to them. What is being provided to them and how is it being provided. They are breaking the law by not providing me the original source document that they are suppose to house internally to show that they have the right to report this information. I have requested from XXXX the original contract for this debt showing my name and signature on it and they are either stalling in sending it to me or they are refusing because they know it is a bogus debt. So if they can not or are unwilling to send this to me how can Equifax say they have received additional information. This is a blatant lie and a fraudulent attempt to harm me financially. I am requesting that equifax either send me the original contract that they have on file or if they do not have anything on file other than the original sources word that this item be removed from my credit report and never be reported again.
Product: Debt collection

On XX/XX/18 - XXXX XXXX XXXX ( XXXX ) contacted members of my family whom I do not even speak to, nor have seen in years. They called an aunt and called my mother and proceeded to tell them that I owed a huge debt and that they must make contact with me, told them what kind of debt ( store credit card ) and that I was facing jail time due to it. I do not have contact with these people due to family reasons. Now, this company has violated my privacy by discussing my personal debt. It is creating more problems in my life by sharing information that is personal and private. In no way, should this practice be legal and I feel violated. I contacted this company and this is over a 3 year old store credit card for maybe {$300.00}, they would not give me an exact amount but this was the credit limit on card. He told me I had to pay $ XXXX {$570.00} in order for no more calls to be made by people they found " skip tracing ''.
Product: Credit reporting or other personal consumer reports

To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
XXXX XXXX XXXX XXXX Account # : XXXX Account Status : Open The information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter about how the information was mine and verified to be mine, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. 
Once again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. Also, this account is reporting as open when it should be reported as closed Sincerely XXXX XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Checking or savings account

On XX/XX/2023 I spoke with XXXX XXXX a float personal banker as well as XXXX XXXX the county region Manager with regards to the many attempts prior to the use of the balance calculator on the checking account. I also called the service number provided. No one had even heard of the balance calculator which is the " check register '' for online banking. I was told that it was my browser although I used different browsers. I was told that it was not a bank error although the message on the screen was generated by the bank. I was told many times that the situation would be addressed and an urgent request was filed by XXXX XXXX. As of this date, nothing has changed. I rely on the balance calculator to help with paying my bills on time and being able to project future balances. I do not feel that my issue was taken seriously. Many of the people I spoke with at the customer service number had no idea what I was talking about until one actually looked at her own account and saw the problem yet nothing was attempted to address the issue.
Product: Bank account or service

Adjust penalties. FNB bought XXXX XXXX in PA and with it my account. 
Balance of XXXX cents. 
Service fee of {$5.00} because my account required XXXX of quote : To avoid a service charge in this account you would need to meet XXXX of XXXX requirements. They are a minimum balance of {$500.00}, a recurring direct deposit, or XXXX debit card transactions per month. When the account is overdrawn for 3 consecutive days there is a {$12.00} continuous overdraft fee. unquote. 

My account at XXXX did n't have these restrictions. The fee put my balance in the red at {$4.00}. There was no notification that a transaction initiated by them would cause overdraw. Two days later I noticed the situation from logging in online and had absorbeda {$12.00} penalty and immediately arranged a {$20.00} deposit but it was too late to avoid the next {$12.00} penalty. Apparently a penalty of {$12.00} is charged every 3 days. I have attached a download .csv of the transactions. 

Sir/Madam, this is like the 3 second rule and like chasing a moving target. Should n't they be obliged to notify me if a transaction that they a generating will create a negative balance and hence give me time to cover the {$5.00}. Once again the big banks are beating the little guy to a pulp. It 's just plain greed!
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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  The following inquires were not and should not be reporting. 


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. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

XXXX in XXXX of 2022 put on my Transunion credit report that I owed them XXXX dollars I asked Transunion to dispute this frivolous item on my report and the next day Transunion said it was validated less than 24 hours later I than disputed it again asking for the verification of this information that validated this debt and I received nothing but that less than 24 hours again it was validated. This is unfair and prejudice credit reporting. Also, this period was during COVID 19, and it took me some time to notice the inaccuracy because I was sick in the hospital with covid and had a loss of income. It was not for a couple of months after regaining my health that I noticed this was on my credit report. 

This is the account XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a loan to get XXXX XXXX at my eye doctor 's office in XX/XX/2016. The loan was serviced through Synchrony Bank. I received the XXXX in XX/XX/2016 at a cost of {$3800.00} at a fixed rate, promotional percentage of 14.90 % for 36 months. 

I have been able to locate payment records since XX/XX/2016 for a total of {$3200.00} paid so far which I have attached a ledger for ( I can only go back 2 years with my bank and Synchrony so I could have paid more ). 

Currently, 24 months into the 36 month loan, I have a promo account balance due of {$880.00}, but a monthly payment due of {$530.00}, which includes a past due balance of {$350.00}. Synchrony says I will be in collections until the {$350.00} is paid. Also, my monthly bill is now {$180.00} vs the original {$130.00}. 

The promo balance, along with the interest rate, within my promo period don't make sense to me. 

I believe I have been charged excessive late fees and am still being penalized for them. I am also being billed different monthly payments from my original amount, which is designed, in my opinion, to keep me in collections since I never know what is due each month. 

My payment started out at XXXX per month, for 36 months. 

My statements are created on the XXXX of each month. The billing date is the XXXX of each month. 

If I missed a payment, I doubled up, sometimes paying twice within a month period ( payment record attached ). When began receiving an exorbitant amount of late notices, I asked the bank why, and they told me if I pay too early in the month, they would still consider my payment as late and charge a fee for the same month anyway ( correspondence attached ). 

I would like for someone to credit my account for all late fees charged within months for which a payment was received early from me. 

I also want all interest charged against such fees to be credited. 

I also want my monthly amount due to be stabilized and consistent. 

I have been called every hour on the hour Monday - Sunday from XXXX XXXX est to XXXX XXXX est by Synchrony 's collections system. As you can see by the attached payment record, I have been making my payments and do not understand the harrassment, nor the exorbitant monthly amounts that Synchrony says I owe. I want this collections harrassment to end. 

I need help. 

Thank you.
Product: Payday loan, title loan, or personal loan

I came across some additional concerns that I notice, That Loan Number XXXX That this debt is already paid in full but I will pay the Loan if I can receive the original instrument of indebtedness in its original form, in exchange for payment in full of my obligation. as may be referenced by these statements.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because this is a hard inquiry on my account XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Consumer Loan

Good morning, this is my third complaint about this company. My last complain number is XXXX. This company is a master of deception. Our first complain was in XXXX. they said they would help us with the repairs of the car, and now their offering to pay us XXXX out of a XXXX dollar tab. Than i offered them to accept if they would finance the XXXX and they said no. And then i offered them to help me with the XXXX and i would buy my own engine, and i would have my own mechanic put it in and they said no. And then the representative claims we drove XXXX miles when the claim clearly states the problems were present before we bought the vehicle. They are unwilling to work with me.
Product: Checking or savings account

I am submitted another complaint as to my follow up of complaint # XXXX, dated XX/XX/20. This complaint was closed on XX/XX/20 and TD Bank still HAS NOT contacted me regarding my missing {$27000.00} that sent to a fraudulent account held at TD Bank. The letter that was sent to you from TD states they are investigating and would be in contact with us. No one has ever contacted us regarding our complaint and return of our money. There is no phone number listed on the letter sent to you for us to even contact anyone regarding this matter. Their response is not sufficient and does not provide the explanation we are requesting.
Product: Money transfer, virtual currency, or money service

The issue that I am having is with Venmo. 
I had an issue with an old account because I accidentally used it for a small fundraiser because people didn't have cash. I didn't know that wasn't allowed, I apologized and closed that account. 

I then opened another account and everything has been fine for 2 years. A few weeks ago, I couldn't remember the e-mail associated with my current account, so I reached out to Venmo for help. 
I then receive an e-mail stating that my account was been permanently deactivated! 

I e-mailed back and said if my account is being permanently deactivated, then I want the balance that was in my Venmo account put back into my XXXX XXXX account. 

I followed every request that they asked ( send a photo of my drivers license and a photo of me holding my drivers license ) Venmo has refused to give me my information so I can access my money, and told me that I will need to wait 8 weeks for a check to be mailed to me. 

I really need help getting my money back and I am truly hurt at the way Venmo has treated me as a customer.
Product: Vehicle loan or lease

In 2022 I did what I thought was essentially a refinance loan. I was looking to refinance my vehicle that had a lien from another company. OneMain explained that they would pay off my old loan, include some cash from the equity, and roll that into a new loan with them. What they did not make clear was that what I have is not an auto loan, even though it is a loan for my auto. They falsely advertise on their website, XXXX, and at the time XXXX XXXX as auto loans. they do not make it clear at the time of origination that coding the loan as a personal loan listed under " other '' that an auto refinancing company wont touch it. 
I understood I was getting into a loan that was a higher interest rate, that could make the loan price higher than the value of the vehicle, but the representatives used words like refinance and auto when describing the loan making me to believe that the loan was something it is actually not.

when signing, I asked if I could refinance later and they said yes. Well after 12 months I figured this was a good time to look into refinancing but not only will no other company refinance this loan but the representative at OneMain said " they don't do that '' that I am not able to refinance into an auto loan within the same company. I pointed out that the company advertises as auto loans and he said " sometimes they do that '' but that I can not. 
This is predatory because it removes the freedom of the consumer to choose their financial products. They essentially trap their customers by misleading them, and making sure that they can not refinance out of the company because of the way the loan is listed on the credit reports. 
My credit and vehicle type fit the requirements for a refinance loan from XXXX but because my loan isn't listed as auto on my credit, they will not refinance it. Had I known that I would not have refinanced ( even though that's not what it actually is ) with them.
Product: Credit card or prepaid card

On XX/XX/2023, I contacted Exxon Mobil to see why I couldn't use my gas card. The representative stated that they decreased my credit limit from {$800.00} to {$300.00} and she said that they sent a correspondence that conveyed that on XX/XX/2023. I asked her on what grounds did they decided to reduce my credit limit? Her response was because I was less than 30 days making a payment. I told her that there were three problems that I had with this. 1. ) I never received the letter from them. 2. ) They are supposed to notify me 45 days in advance before they are to take action. 3. ) I have never heard of reducing a credit limit for being two days late. She asked if I wanted her to resend me a copy of the letter. I said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute the following information in my file. My Consumer Number : XXXX and Case Number : XXXX. I am a victim of identity theft. I have reported identity theft with the 3 major credit bureaus last year. After a review of my consumer report, the account in question is a BANKRUPTCY. Listed under BANKRUPTCY FILING # XXXX, Bankruptcy Court Details : XXXX XXXX XXXXXXXX I ask that the fraudulent item be removed from my consumer report I reported the theft of my identity to the Federal Trade Commission. I also have enclosed a copy of the Federal Trade Commissions Identity Theft Affidavit. Please investigate this matter and removed this as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Cant get credit report scores and they did not fix violations to your consumer statues and of congress experian XXXX and XXXX XXXX gave me a D on business credit and XXXX and XXXX has me at A discrimination
Product: Debt collection

A few months ago I pulled my credit and notice XXXX XXXXXXXX XXXX is reporting a balance of {$690.00}. I've sent out letters to this company asking to verify this debt because I have insurance that covers my visits and know I should never have a bill this much. Along with a lot of other things I asked this company to send, I also asked for a copy of the hospital/dr office agreement with my signature. I have not received anything but a print out of a balance they claim I owe. My file always tend to get mixed with my sibling file a lot at the the doctors office/hospital ALL the time! How do I know that this debt is mine?? Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the debt.
Product: Credit reporting, credit repair services, 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. 

XXXX : # XXXX, XXXX XXXX  : # XXXX, 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 : 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

I am filing a complaint regarding inaccurate late payments reported on my credit report during the national emergency period for XXXX. These late payments were recorded for the account XXXX - XXXX on the dates XX/XX/year>. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent. 
The CARES Act was enacted to protect consumers facing financial difficulties due to the pandemic, allowing for leniency and preventing negative credit reporting during this period. Despite this, the creditor XXXX - reported my account as late, affecting my credit score unfairly and contradicting the intended protections under the CARES Act. 
I have previously contacted EQUIFAX and requested that my account status be corrected to reflect a status of " PAID/AGREED '' or " OK '' for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution, and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services. 
I am requesting that the CFPB investigate this issue to ensure my rights are respected under the Fair Credit Reporting Act ( FCRA ) and that my credit report is updated accurately.