23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was sent {$XXXX} from my cousin on XXXX XXXX and was told by XXXX different Venmo agents it would be available XX/XX/XXXX and it was not. Now my account has been deactivated and they are holding my money without telling me what I did. Mind you this is my first time using Venmo my identity was verified as well as my bank. Now Im getting no response
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent letters to the credit bureau regarding inaccurate and unknown infomation on my personal credit report to this day it has been over 120 days later, I still have not received a response yet. unfortunately at this point I feel like I'm being taking advantage of and my disputes are being disregarded of its urgent request. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediateltly remove those items from my credit report, it has been well over 120 days so they should be deleted and removed promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the hardship you as well as this information has caused me. My information was also impacted by over 33 data breaches. I have attached proof of the data breaches on XXXX XXXX and XXXX XXXX My personal information was also impacted MULTIPLE times through the dark web. The list also includes the Equifax data breach, FEMA data breach, XXXX XXXX data breach and multiple other MAJOR DATA BREACHES and may have got into the hands of the wrong person. I have attached My Police Report Number. I have also attached my FTC report number XXXX this report includes all the inaccurate and unknown information accounts that has been reported to my credit, Please remove the inaccurate accounts I have attached so that I can take control of my personal credit with the credit bureau.
Product: Debt collection

On XX/XX/2016, I was on vacation in Florida with my family. We were pressed beyond measure by XXXX to buy a timeshare. We yielded to the pressure and signed a contract of purchase. However, when we got home, we realized that we made a poor choice which we ca n't afford. We call back to XXXX to cancel it and was informed on XX/XX/2016 that they can not cancel it until we retain a lawyer. I immediately got a lawyer who has written who has written them 2 letters ( one dated XX/XX/2016 and the other dated XX/XX/2016 ). They replied on XX/XX/2016 with the readiness to void the contract. However, Comenity Bank used by XXXX went ahead to place a record on my credit report that has affected my credit markedly and has deprived me of the ability to get a loan for business.
Product: Credit reporting or other personal consumer reports

I'm asking for Debt Validation... According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 1. I want a detailed list of payments made by me on these accounts. 2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor. 3. I'm asking to see if there has been any insurance CLAIMS found on these debts. 4. I want proof that you have the chain of title to collect on these debts. Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. You ; have violated all ABOVE laws.
Product: Credit reporting or other personal consumer reports

As you are aware, as stated in XXXX XXXX XXXX XXXX, I am a victim of the XXXX XXXX with XXXX. I have notified Experian of this matter and sent required statements, identification, and documentation for their Agency to remedy this issue. The allotted XXXX days they had to block and delete this information has surpassed. I received notice from CFPB that the company received necessary documents on XX/XX/24 it is now XX/XX/24 and I have not received equitable relief as the identified fraudulent items are still being reported against my person. Please assist me in following up on this issue by enforcing the consumer reporting agency to block and DELETE these items from my consumer report. Once Experian takes proper equitable action by completing my request, I would like an updated copy of my credit report sent to me via mail. Thank you.
Product: Student loan

The company will not connect with fasfa to process my save repayment program and lower my payment to what I can afford/what the fasfa website said I could get it to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX/Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number : XXXX XXXX XXXX XXXX XXXX/Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number : XXXX XXXX XXXX/Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Account number : XXXX XXXX XXXX number : XXXX XXXX XXXX  XXXX number : XXXX, has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ridiculous, and I am outraged as a Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and FDCPA,15 U.S. Code 169215 U.S. Code 1692 - Congressional findings and declaration of purpose abusive practices - 15 USC 1692a ( 5 ), 15 U.S. Code 1692f - Unfair practices. XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX Account number XXXX. It has been more than 60 days. According to 15USC 1618i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights in accordance with 15usc 1692b ( 5 ), 15 USC1692 b ( 2 ). It's a violation pursuant to section 623 of the FCRA.
Product: Debt collection

Since, 2016 the company i originally purchased vehicle from eastern XXXX XXXX here in XXXX, N.C have harassed myself on property, mechanics stalking myself from work to home on multiple occasion when i had the vehicle for 16 Months. The vehicle kept cutting off on the XXXX of each month i had the vehicle. the vehicle was on a 30 day warranty so i notified the mechanic that their was a problem with the XXXX XXXX v-8, and he replied to take the vehicle over to XXXX XXXX XXXX, so they can work on the vehicle. after 7-10 days of persistent runaround ; the warranty expired. 
so, i filed a complaint with the national transportation safety dept about this problem. 
then was told too get an assessment on vehicle. mechanic told myself it was the battery!! 
i replace the battery 3x times, it was not the problem. then the airbag light came on then went off. the vehicle was taken to XXXX XXXX XXXX here in XXXX, n.c. ; the mechanics their did a diagnostics test and blew the panel fuse box with grey and white smoke fuming from vehicle. i was told then the vehicle was a lemon as is. i also reported this to national highway transportation safety dept, and thats when they expanded the recall on takata airbags in vehicles previously missed by auto companies nation wide!
Product: Credit card or prepaid card

In XX/XX/2020 I was approached by American Express to sign up for a 12 month repayment plan for an AMEX Business Charge Card I have open through my business. We we're behind on payments due to Covid-19 lack of revenue. 
They said this re-payment process would protect my business and person from negative credit score reporting and implications. They coerced me to sign up for this service under those false pretenses. 
One of the stipulations with the program, was that my separate personal AMEX card would also have to be frozen, discontinued use, and put on a 12 month re-payment plan. This was fine as I don't often use the card often, and it had a below 50 % utilization ratio. It seemed like it wouldn't be an issue. 
I signed up for the program at their behest. 
A month later I've checked my credit score and credit card information. 
They decreased the credit card limit on my personal card to just above the current balance amount, decreasing by around {$2000.00}. The card now has a 99 % utilization ratio. 
This then immediately caused a 100 point drop in my credit score! 
None of this was disclosed to me during their explanation of the program. 
They did not say my personal card credit limit would be decreased, especially by such a significant amount. 
They instead and conversely recommended this program as a way to AVOID negative credit score impacts, when in reality it has done the single most damage to my credit score in it's 12 year history. 
I would have been better off doing absolutely nothing, or continuing to chip away at the business cards payments as I was doing previously. The amount of credit score impact would have been minimal and inconsequential in comparison. 

They did not disclose the details of this plan properly, what they would then do to my credit card account once we got off the phone, and how these changes would and did negatively impact my credit score across all credit reporting agencies. They sold an unfair and false narrative of protecting consumers from negative credit reporting, but instead did irrevocable and immense damage to my credit score without my consent. 
This is a classic bait and switch, and has the potential to do serious financial harm to consumers. 
I would not have signed up for the program had I been made aware that my personal card 's credit limit would be decreased by such an amount, knowing the negative impact that and a 99 % utilization ratio would do to my credit score. 

They say they are launching an " internal investigation, '' but as this is being done in-house, they have very little incentive to disagree with their own practices, find themselves at any amount of fault, and do anything to rectify my situation - other then saying " you still owe us the monthly payments, and we now can't raise your credit limit because your score is so bad ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian have not provided any information on my Claim the law clearly states within 4 days. Thats a violation. 15 USC 1681. I also did not give permission by writing for the CRA to report on my Consumer Reports 15 USC 1602
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report immediately, I will be forced to contact a consumer rights XXXX XXXXy and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies XXXX XXXX, XXXX, Transunion ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX {$550.00} balance has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX {$7800.00} has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX # XXXX {$0.00}. has violated my rights. 
In accordance with the fair credit reporting act XXXX and XXXX {$130.00} 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 or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX Balance : {$0.00} XXXX BANK XXXX Balance XXXX {$8500.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX. XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX Date of inquiry XX/XX/year>
Product: Bank account or service

After a real estate sale XX/XX/XXXX, I deposited the proceeds check from XXXX XXXX, with the local Wells Fargo branch. The teller 's receipt stated the funds would be available the next day, XX/XX/XXXX. The next day I requested a payoff for an unrelated mortgage, the deposited funds were required for the payoff. I was alerted through email, on XX/XX/2016, that the funds I deposited with Wells Fargo would be held for 10 days, due to insufficient funds on the XXXX Account. I contacted XXXX XXXX and was told the funds were in fact available in the account. A manager from XXXX XXXX has provided me a letter stating the date the check cleared XXXX XXXX, XX/XX/2016. I attempted to get Wells Fargo to try again to remove the hold but was told it could not be done. After the 10 days, on XX/XX/2016, I proceeded with wiring the funds to payoff my mortgage, but because of the 10 day delay I was required to pay over {$400.00} in additional interest. I requested, from Wells Fargo, the additional interest be credited to my account since Wells Fargo erroneously held my money. On XX/XX/2016, I was contacted by XXXX XXXX at the XXXX XXXX branch, that Wells Fargo is prepared to return half of the interest I had to pay due to Wells Fargo holding my funds without my access for 10 days. This is not acceptable to me. Imagine multiplying my amount in question of {$280000.00} by the multitudes of Wells Fargo customers on a yearly basis. This illegal process of " Gaming '' as stated recently in a XXXX court, manipulates my money and probably thousands of other Wells Fargo customers, to generate interest for Wells Fargo. I find this gaming practice unethical and possibly criminal. This complaint constitutes a formal request to investigate Wells Fargo on this practice of holding customers money, after they have received funds in order to generate more income for themselves at the expense of their customers.
Product: Mortgage

Not able to talk with people in right departments to get answer regarding funds being held by them. Lady keep hanging up on me and telling other employees to do same after they transfer me to right department. Never get any answers regarding covn 19 forbearance or way Im being charge extra late fees, etc after being sign up for same.. no tell me when it ends and how I go about getting extended
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Equifax Credit bureau is currently still reporting XXXX XXXX duplicate time barred inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. XXXX and XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Equifax 's instructions related to the data security breach, I was identified by their website as an impacted consumer. On XX/XX/XXXX, I was instructed to return to the site after XX/XX/XXXX to sign up for the free XXXX XXXX XXXX. When I returned on XX/XX/XXXX, I registered and was told I would receive an e-mail with a link " in a few days '' to active the service. It 's been over a week ( since registering and two weeks since announcement of the breach ) and a link has not been received. I attempted to contact Equifax on its security breach customer service line and they could not state when I would receive the link or that my request was even in process. They did indicate that they have been " overwhelmed '' with requests ( which is amazing that they did n't prepare as given the size of the breach, they should have expected millions of requests ) but had no answer for how long it would take and to keep checking for an e-mail. Based on news articles, it seems that a number of people are having the same experience. The breach is bad enough, but the lackluster response has been terrible. I did notice that they are still advertising and accepting requests for paid services on the website. Curious if paying customers are getting priority or being signed up before the breach impacted consumers.
Product: Credit reporting or other personal consumer reports

Citizen 's bank put me in collection for XXXX dollars ( {$20.00} ) without explaining what the {$20.00} was for. I have not used this account in 2024 yet I have an overdue balance for over 122 days. To quickly resolve the problem I paid the {$20.00} to Citizen 's bank and they refused to remove the debt from their collections and therefore from the credit reporting agencies.
Product: Vehicle loan or lease

I received a loan on a XXXX XXXX in XX/XX/XXXX. I never missed a single payment on the vehicle until XX/XX/XXXX, which was the very last payment due on the loan. We have moved three times in the last couple of years. I'm not sure if they ever tried to send us anything, but we never received it if they did. I went into the local Fifth Third Bank, because I could not find my payment book. That's when I was notified that I was making my last payment, when in reality I had one payment left after that ( the missed payment ). We received an email from XXXX XXXX about the missed payment, and I paid it immediately. It still negatively impacted my credit score by 60 points due to one misinformed missed payment after years of paying on time.
Product: Student loan

My loans transferred from Great Lakes to Nelnet. I have tried multiple times to set up auto debit ( recurring payments ) with nelnet. My nelnet online account shows I have these auto debits set up to pull on the XXXX of each month, but they never pull the funds. 

By the XXXX I get a letter from nelnet stating my financial institution couldnt process the transaction. Thats a lie. Ive called XXXX XXXX  and verified. I have sufficient funds in the chase account. I have verified with chase that nelnet never even attempted to pull my XX/XX/2023 or XX/XX/2023 payments. My 1 time payments using the EXACT SAME account information go through just fine. 

Using auto debit payment is supposed to give me a small interest deduction. Nelnet is not even attempting to pull the auto debits and they are screwing me out of my interest deduction. XXXX has verified there are not holds on my account of anything else awry on their end. I have submitted complaints to the US dept of education and Nelnet. I have not received a response as of yet. I have tried to call nelnet on multiple occasions. I can not ever get anyone on the phone. Their chat bot is not equipped to handle my complaint. 

All my loans are from XXXX XXXX. I am a XXXX  with a XXXX. Their website is intentionally difficult to use, and there is no doubt in my mind they are doing this on purpose. This is predatory. I WANT to pay my loans on time. It shouldnt be this difficult to give them my money. If I have difficulty navigating this system, I cant imagine who would find it easy.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation into Transunion Reporting Practices Dear CFPB, I am writing to formally request your assistance regarding a violation of the Fair Credit Reporting Act by TransUnion. TransUnion has not adhered to the obligations set forth in 15 U.S. Code 1681, particularly concerning the accuracy and fairness of credit reporting. 

I have noticed that my account ( XXXX XXXXXXXX ) related to my XXXX XXXX XXXX XXXX, which was reported in XX/XX/year>. But was deleted by TransUnion Between XX/XX/XXXX, XX/XX/year> from my credit report. This action has adversely affected my credit history and overall credit score, undermining my financial standing.

The Congressional findings highlight the importance of accurate and fair credit reporting, emphasizing how inaccuracies can impair the efficiency of the banking system and erode public confidence. As a consumer, I rely on accurate credit reporting for fair access to credit, and the deletion of my account has hindered that access. 

I am uploading a copy of my XXXXXXXX XXXX XXXX XXXX credit report for your review. I kindly request that you investigate this matter and facilitate the reinstatement of my account on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely,