23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment reported as late as XX/XX/XXXX was made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected. 
Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Credit card

Have an account in collections. I have informed them multiple times that they are calling a prepaid phone that costs me XXXX to use and that it 's inconvenient for me to receive calls because of this. Receiving calls up to 8 times a day despite this. 

In my state, FDCPA applies to both original and third party collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX h as violat ed my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 section 604 Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Hi, I am reaching out, because I recently just moved to XXXX XXXX for XXXX XXXX. I never had a Venmo account prior to this incident, and honestly would never use their serves again. I only created an account because i was told by other students, this was a method that one uses to pay bills. With us not having access to a XXXX XXXX, XXXX XXXX, XXXX, etc are very convenient tools. I sent money to the owners property manager for my current apartment. Venmo froze my funds and suspended the property managers account, when he tried to refund back the {$4000.00}. The property manager attempted numerous times to refund the {$4000.00} back. However, Venmo suspended his account and requested documentation in order to release the hold. 

The requested documentation was sent as requested, however the hold and suspension is still active. This is very strange to me because the property manager was only trying to refund my money back into my account. If he was trying to deposit the funds into his account and Venmo was trying to protect its customer by trying to insure the funds were going to the right person. Then, I could see a reason for the funds being placed on hold. Even if Venmo was trying to make sure the merchant paid taxes because he reached a certain limit. Then, placed the funds on hold prior to him depositing the funds into his bank account. I could understand that, but this is not the case because a serve has not been rendered. I truly feel robbed by Venmo. 

This whole ordeal feels odd, I never had a financial entity play with my funds like this. Venmo has two parties willing and waiting to return funds ( as Venmos return policy states ), and shockingly there is still a problem. Im frustrated and in disbelief, because no service has been rendered and Venmo has still held on to my money. The fact that I had to pull another {$4000.00} out my bank to pay my apartment deposit ( via another method ) has truly shown me I am not a valued customer. I am a XXXX XXXX XXXX who can not work because of the demand of XXXX XXXX So, to be having to be place in this position is unsatisfactory. Venmo has shown me the company is a fraud, they are not protecting their customers. If anything we need protection from it. I will be filing a complaint with the Consumer Financial Protection Bureau also, because no one should have to go through this.
Product: Credit card

I applied for the Paypal Extras Mastercard and was told by Sychrony bank I was approved for 300.00 on the Mastercard. What I got was a paypal account that can only be used with paypal vendors. I did n't not apply for a Paypal smart connect account but this is what I received. I did n't authorize them to run my credit for the smart account. I only authorized my credit to be ran for the mastercard account. Now I have a hard inquiry on my credit and a closed Paypal smart account which now will affect my credit score.
Product: Checking or savings account

On the week of the XX/XX/2020, I received information that my credit union, XXXX XXXX XXXX XXXX, would be merging with XXXX XXXX on XX/XX/2020. Included in that information was my new debit card -- I would later be informed that 40 checks and a guide for switching over should have been included, but they were not. 

On Friday the XX/XX/2020, after exhausting available options -- registering my new debit card online and in the ATM -- I went to a branch of School 's, now XXXX XXXX, to talk to a teller directly. My debit card was going to expire, and I would be cut off from all access to my bank. The teller discovered I had not received the transition information, and printed this out in person. I asked what would occur on the XXXX of XXXX, since he refused to authorize the new debit card, and my old one would expire -- he explained that the card itself would continue to work until the new card was authorized, and confirmed this with his branch manager ( lies told by employees, myself and dozens of other users in the thread we started have discovered ). Assured, I received my new member information and went home. 

I followed the instructions on the sheet to set up my account before the switch ; not only did the website deny I was a member, many of the links were not working. I discovered that the website and all their banking systems would go offline on Sunday, the First, when my bills were due. I watched in horror as a stream of declined card notifications rolled in, and when I started asking around, I realized I was not alone. I had to get someone else to pay my phone bill, just so I could call around, but all the bank 's phone lines are down as well. Someone was even trapped at a gas station ; this is unacceptable. No bank or credit union should be allowed to be this incompetent, cut hundreds if not thousands off from their money, maintain radio silence, and pick the worst possible date to do so. They should also not be allowed to lie to me and others as they had -- they're a credit union, not a XXXX XXXX. This is something they've handled terribly and I want some scrutiny and someone looking into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.
Product: Mortgage

We tried doing a loan modification but the bank requested information on the co-signed that is deceased since 2016 and he was removed from the title XXXX. We sent copies stating he was deceased but they rejected the documents. 

The bank also requested other documents everything was turned but the only thing they did not accept was the document stating the co-signer was deceased.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mi, XXXX XXXX XXXX XX/XX/year> Ally financial XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Inaccurate Information on My Credit Report under 15 U.S.C. 1681 Dear Sir/Madam, I am writing to formally dispute certain information on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and request a thorough investigation into the accuracy of the information listed. 

I have reviewed my credit report, and I believe the following entry is inaccurate : Account Name/ Creditor : ally financial Account Number : XXXX Disputed Information : Tried to dispute through XXXX came back a couple days later. XXXX is now being litigated for false investigations. 

I request that you investigate this matter in accordance with the provisions of the Fair Credit Reporting Act. Please verify the information and provide me with the results of your investigation as required by law. I ask that you correct or remove any inaccurate information that can not be verified. 

As provided under 15 U.S.C. 1681i, please complete the investigation within XXXX  days of receiving this letter. In addition, please provide me with a free updated copy of my credit report reflecting any changes made.

If you require any additional information from me to complete the investigation, please let me know. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this dispute has been resolved. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Dear CFPB, Im making complaint to chase bank against important satiation as I need a help on this issue, Im so unhappy with chase on the way they deal with us if I want to rename this I would say unprofessional, This is kind of torture way, The story is every time I deposit a check the bank either but me on high risk or put the check on hold for XXXX days For unknown reason I fully understand its for security to verify the check sources as I fully understand its too many fraud is going around this days but you have to understand which person you dealing with.

First Im client with chase over than XXXX years since XXXX  Im not new customer I never did or enter any kind of fraud check to my account I never did any thing wrong with chase bank or any fraudulent activity. 

The question is why every time I put check to my account I found always kind of tourture either pending XXXX  days or secure message # please call the bank or we m

ay close you account # or high risk fraud flag and waiting a lot of time on holding chase phone call to resolve the situation. Chase bank dealing with us as criminals but its not a policy they broke the law against what chase says on the official website When do checks clear? This from chase bank 1-By law, banks are required to make at least the first {$220.00} of a personal check deposit available for use by the next business day Footnote1 ( Opens Overlay ). Never happened with me chase is not clear on this part.

2-Certain types of checks are designed to clear faster, often being available in full by the next business day. Never happened. 

3-Depositing a large amount more than XXXX, even if I deposit XXXX dollar same issue red flag XXXX days holding. 

Thanks for response,
Product: Debt collection

I have been repeatedly contacted by a Stafford Group on behalf of a XXXX XXXX account that I have been trying to dispute. My brother did a lot of fraud and identity theft on family members, I'm not sure this debt is mine and have asked for confirmation in the past. I never get it, and they stop chasing me a while. I moved almost two years ago. I was contacted today saying that they have sent legal documents for proceedings against me. I told the person that I haven't lived at the address they were sent to for some time. I get bumped up to what I am told is a legal case officer, who proceeds to tell me that she refuses to allow me to contest the debt as she is already in legal proceedings against me over such. We wind up in an insult match where she tells me that she will have me in court and take money from me regardless. This is heated, unscrupulous behavior. This agency knows full well that I have attempted to refute this debt on every occasion they have contacted me, and now that they know I have not received the filings sent to me are still trying to pursue this debt I ask to contest. 
I need immediate assistance please.
Product: Mortgage

Back in XX/XX/year> XXXX Mortgage paid our taxes twice in the amount of {$5700.00}. They did get a return on XXXX payment. Then in XXXXXXXX XXXX XXXX  sent us an escrow check for {$3500.00} said is was not needed. Received an email from the company recently that due to an escrow analysis our mortgage has increased due to tax shortage. When we called in to review account she explained that we should not have received the check back in XXXX XXXX XXXX as they based our taxes off of {$2000.00} when we actually paid {$5700.00}. Now we are forced to pay {$4800.00} plus up front and our escrow increases from {$450.00} to {$720.00} a month. 
We have been with this company a short time and find them to very incompetent with our escrow. We would like to find a way to move away from this company as they bought our mortgage but we are not in a position to refinance at this time. They are a very incompetent company as these issues have been happening since we started with them.
Product: Credit card

I PLACED 3 ORDERS ON A NEW RUNWAY REWARDS CREDIT CARD FOR PURCHASES FROM NEW YORK AND COMPANY ( COMENITY BACKS THIS CARD FOR NEW YORK AND COMPANY ). I AM SUPPOSED TO GET XXXX XXXX OFF OF MY FIRST ORDER ( AS ADVERTOSED ON NYANDCOMPANY.COM, IT'S A DEAL THAT IS ALWAYS IN EFFECT, AND WAS IN EFFECT WHEN I OPENED THE ACCOUNT AND MADE THE PURCHASE ON XX/XX/XXXX ). TO DATE, I HAVE NOT RECEIVED THE XXXX XXXX OF MY FIRST ORDER CREDITED TO MY ACCOUNT, THOUGH I HAVE OPENED A DISPUTE WITH THEM AND PROVIDED THEM THE PROOF OF THE DEAL FROM NYANDCOMPANY.COM. I PLACED TWO MORE ORDERS ON THE CARD-ONE ON OR ABOUT XX/XX/XXXX, AND ANOTHER ON XX/XX/XXXX. I HAVE NOT RECEIVED TO DATE, THE XXXX XXXX FROM THE ORDER PLACED ON OR ABOUT XX/XX/XXXX, AND HAVE NOT RECEIVED THE BEIGE/TAN CLOSED-TOE XXXX THAT I BOUGHT ON OR ABOUT XX/XX/XXXX ( AND I HAVE NOT RECEIVED ANY CREDITS OR REFUNDS TO MY ACCOUNT EITHER ). I HAVE EMAILED NEW YORK AND COMPANY.AT XXXX, XXXX ( ONE OF THE EXECS ), XXXX ( THE CEO OF NEW YORK AND COMPANY ), XXXX ( ANOTHER CUST. SERVICE EMAIL FOR NEW YORK AND COMPANY ), AND XXXX ( THE PRESIDENT OF NEW YORK AND COMPANY ) -NO RESPONSE FROM ANY OF THE EXECS. THE XXXX PEOPLE-EVEN AFTER DEMANDING REFUNDS AND CREDITS-ARE N'T DOING ANYTHING FOR ME FOR OVER A MONTH NOW. I AM NOT PAYING FOR GOODS I DID NOT RECEIVE, AND I DEMAND THAT I RECEIVE THE XXXX XXXX CREDIT TO MY ACCOUNT I AM LEGALLY ENTITLED TO. THIS BORDERS A FINANCIAL SCAM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The items are as follows : ACCOUNTS XXXX XXXX INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received a letter from TransUnion that was a response to a recent dispute I made in regards to a few accounts on my credit file that dont belong to me. I am going to attach the original FTC report as it lists the accounts in question. I am making this new complaint to point out the negligence on the part of TransUnion and to make it known that I am now requesting for the second time a description of the procedures used to investigate the disputes. TransUnion has stated in this attached letter dated XX/XX/year> that I can request this method of verification and that it would be sent in a separate communication for my records. So today I called them at XXXX XXXX and I spoke with a nice representative named XXXX XXXX, she was professional but when I asked about this letter she said she doesnt have record of it. I also asked her if she has dealt with similar issues in the past and she said no, and told me she was not able to provide me with the method of verification. I find this to be quite interesting a bit concerning, either the representatives at TransUnion are completely incompetent or their company is playing games. Based on my past interactions with the credit reporting agencies Im leaning towards the latter explanation and for this reason I am making this complaint. I would like to remind TransUnion that not only does their own letter acknowledge my rights to this information theres also FCRA 611 and the language is very clear on this matter. It mandates that, upon request from a consumer, a CRA must provide a description of the procedure used to determine the accuracy and completeness of the information. I am very curious as to why the letter from TU states that I may request this information but then when I call them the representative states that they can not help. To my knowledge the credit bureaus are bound by law to provide this method of verification within 30 days of receiving the request from the consumer. Due to the above violations of my rights I kindly request that these fraudulent accounts be removed from my credit file.
Product: Debt collection

My sister and I received calls from a XXXX or XXXX XXXX ph # XXXX with Northtown Capital services a collection agency. They are calling for a family member. I asked did the family member give him my phone number and he replied no I located my phone via search, not sure what that means, claims I came up as next to kin. I inform Mr. XXXX I do not give permission to him or his company to contact me. Today he called my sister that lives me and was told by her to not call his reply was " we only called twice '' not acknowledging he is calling about a debt that doesn't belong to my sister or me. We want the calls to stop and our numbers removed from this company database.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX, Va XXXX I am XXXX XXXX XXXX and XXXX am writing to bring to your attention XXXX errors in Navy Federals credit reporting that have resulted in my absence from credit reporting and the removal of my credit history despite making timely payments as an authorized user on Card Number/Account Name ending XXXX and XXXX XXXX. As of Date XXXX  XXXX, XXXX. It has been over 30 days since I requested reinstatement, and my credit reporting and credit history remain unchanged. I am providing the following supporting documentation to substantiate my request. I have attached proof of letter, its XXXX pieces of the letter, that letter from my primary account holder confirming my authorized user status : Proof of address and my government issued ID. 

I as authorized user respectfully request that you take immediate action to reinstate my credit reporting and credit history effective XXXX originally when I started as authorized user from XXXX, XXXX XXXX XXXX XXXX XXXX  Please ensure that all future payments are accurately reflected on my credit report from the beginning from XXXX XXXXXXXX XXXX XXXX. Its a Navy Federal Rewards money card with the blue cover, I will also attach a copy of that. If there are any additional steps required from me, please let me know and provide a clear timeline for resolution.
Product: Credit reporting

There are two accounts on my credit one is for a company called XXXX, and they have advised me that they have sent over a deletion to Experian on two different occasions and it has never been deleted. The other account is XXXX, and they have deleted this account once before and now they have placed it back on the credit report.