23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I filed an complaint with Chase on XXXX, I advised Chase that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Chase are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Chase company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Chase are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Chase fail to respond in writing, signed by hand, in a timely manner, I will assume that Chase are in error and this matter will be challenged. As Chase further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Chase claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPBXXXX. 
As of today XXXX, Chase have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.
Product: Money transfer, virtual currency, or money service

Venmo has repeatedly made it impossible to withdraw funds from my account without requiring a fee for immediate transfers to my debit card. I do not use Venmo often but every time I have tried to add my XXXX XXXX Checking Account to Venmo, I am given errors after error. I have manually tried to add my account but when I submit the Routing and Checking Number I receive an error that says " Form submission error. '' Conversely, when I try and add my XXXX Account using the automated Plaid service, it says that it completed but I am then given a message that an error has occurred and for me to try again. This has been an endless cycle of errors for which Venmo states " engineering is working on. '' This is unacceptable and illegal. Venmo can not force me to continue to pay fees due to 'system errors ' on their end that are verging on predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  and XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX investigation into a late payment on my account shows data unchanged its still late 30-59 days. I received a letter from the original creditor which states that they will be removing the late payment
Product: Debt collection

This is just a crazy series of events. I am a XXXX and I feel I am a victim of a scam. A man, XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX stopped by my home stating he wanted to put vinyl siding on my house to make it look better. I told him I could not afford it. He said he might be able to get it financed. Without further communication from XXXX XXXX, a man named XXXX XXXX XXXX XXXX, a contractor, showed up and started putting vinyl siding on my home. No agreement of any kind had been discussed with XXXX XXXX. Note : My home did n't need vinyl siding to protect it as it was covered with slate shingles that will be here forever. 
Next thing I know I receive a loan statement from Green Sky ( XXXX - XXXX ) of XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX. XXXX. Green Sky 's " loan statement '' shows XXXX as the lender. The loan statement was for around {$9800.00} at 11.99 % interest for XXXX months creating a finance charge of {$4800.00}. I assume this was from XXXX XXXX and the vinyl but I had not asked for credit, filled out an application or signed a contract of any kind, signed or agreed to anything with XXXX XXXX, Green Sky, or XXXX Bank, so I do n't know if this is where this debt came from but assume it to be the case. Evidently XXXX XXXX was paid and is now out of the picture as calls to him resulting in him just stating that " he dealt with a lot of XXXX people '' and offered no help or explanation. 
My issue is I never receive any kind of statement from XXXX XXXX as to the cost of vinyl siding or did I agree for him to put on the vinyl siding on my home. Also, I have never filled out any type of application for financial assistance from XXXX XXXX, Green Sky, or XXXX Bank. I would have never agreed to the amount or interest rate as shown from Green Sky or the amount showing as I am on a fixed income. As a XXXX I had my brother, XXXX, to call XXXX advised send letters to Green Sky stating due to FDCPA I do not owe this debt. They also said that Green Sky had many complaints from the Better Business Bureau. 
I have enclosed copies of these letters I have sent to Green Sky and XXXX Bank stating this debt is not mine and to show me where I applied or signed for this debt. They can not as I never agreed to any debt in this situation. Now XXXX Bank is showing up on my credit report causing my credit score to go down. My brother contacted XXXX Bank XXXX and they stated they had no affiliation with Green Sky and refused to give me their ( XXXX Bank XXXX address. Note : XXXX Bank is on Green Sky 's loan document and now XXXX Bank is on my credit report. I found the home address for XXXX Bank on line and sent them the letter enclosed as well. 
I would appreciate you looking into this matter and stopping this unfair practice I believe to be a scam and have Green SkyXXXX Bank remove this debt from my name and remove it off my credit report. 
Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particular in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time 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 were unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

Opened an account was suppose to receive a XXXX incentive and free checking if deposited XXXX or more, never received the XXXX and not providing free checking- told me today i need to deposit XXXX- i call another branch they confirmed the first offer - my branch is sealing from me and not providing term of service
Product: Credit reporting, credit repair services, or other personal consumer reports

Effective today, XXXX, I received an alert that my Transunion Credit score had decreased by XXXX points in less than a week ( from XXXX ... to XXXX ). 

After pulling my Transunion credit report, and after thorough research, I realized that nothing had changed to warrant such a drastic drop. The only changes that had occurred was that I had consistently paid off debt and decreased my utilization rates on credit cards and lowered balances on mortgages, car loans, etc. No closing or opening of credit ... no late or missed payments, no derogatory entries, etc. 

After speaking with a Transunion representative, they couldnt justify any information that would have merited such a credit score drop, yet they dropped my score anyway. My only conclusion is that they are dropping consumers scores in order to benefit their paying customers ( mortgage companies, car dealerships, apartment owners, insurance agencies, etc ) by providing them with the means for overcharging us in regards to increased interest rates. 

We consumers are not Transunions customers ; rather, we are their product ... and as such, they are constantly and continually creating and adjusting their algorithms in an attempt to give their paying customers the ability to overcharge us interest rates unjustly. 

I have done nothing but continued to pay off debt in a timely manner, without creating new debt, yet Transunion chose to reward my diligent and responsible payments by decreasing my score. Why are they allowed to suppress and oppress consumers who are doing the right thing? How can they continue to disenfranchise us by exploiting us? What they are doing is nothing short of unethical and borderline illegal. 

Please consider investigating my complaint. 

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

CFPB is helping me, the company in error against me takes 2 weeks to respond then CFPB allows 60 days ; in this economic crisis with an unjust judgment other members of my family are feeling the stress muchless this false account against me. Time to end this is my request.
Product: Debt collection

XXXX sent the doctors bill to XXXX XXXX but sent services bill to collections plus the bill they sent me was missing Provider TIN #, Diagnosis Codes, Procedure codes/Revenue Codes, and several other items which delayed XXXX XXXX settling the bill for months after I finally got the bill sentand it was settled and paid by XXXX XXXX minus my portion-XXXX dollars and I have the proof.I was a victim of Identity Theft also and my address changed also and Ive taken a huge hit due to this hospital bill and related issues due to the Identity Theft.
Product: Mortgage

The loan number for this account is XXXX the problem started what I was making my payments and they said I wasn't they started foreclosure, and they've also been messing with my escrow account for years. Saying that it was short and asking for more money raising payments. They have done nothing but mess with my mortgage, then they said they sold it out to XXXX loan mortgage services, then they come back and ask me for the another mortgage I don't know where I'm at at this point. One mortgage is twice what I paid for the house the other mortgage is about where it should be.
Product: Debt collection

I received a letter in the mail on XX/XX/18 from Alco Collections, INC stating that I owed a debt of roughly {$2600.00}. The letter stated that I could dispute the debt within thirty days of receiving the letter. On XX/XX/18, I mailed a letter by certified mail disputing the debt owed. On XX/XX/18, I received an alert to my XXXX, XXXX, and XXXX credit reports that the debt from Alco Collections has been added to mine and my husband 's credit reports. Today is XX/XX/18, and I have not received any further information about the debt in question. I have the original copy of the initial notice of collection from Alco Collections, the copy of the receipts from the United States Post Office showing that I mailed a letter by certified mail, and a copy of the letter I mailed requesting Alco Collections to validate the debt in question. I will be more than happy to provide this information at a later date if deemed necessary.
Product: Money transfer, virtual currency, or money service

I was arrested and remained in jail from XX/XX/19 thru XX/XX/19. During this time my debit card that I receive my XXXX XXXX  XXXX benefits on was used and completely drained. All of which were online transactions. I sent proof of XXXX. I have never purchased any games nor do I have any XXXX  or a XXXX acct. Never have. My identity and truck were stolen earlier this year, which ties in W the XXXX. This most recent theft of my personL property and debit card just makes my losses compound. My parents/family are all deceased so I have been staying w people IDK. I'm on my own and NEED my money back. WHEN TOLD MY DISPUTE WAS COMPLETELY TURNED DOWN, 45 DAYS LATER, AND THERE IS NO APPEAL PROCESS AVAILABLE I TRIED CONTACTING THE MERCHANT 'S I HAVE INFO ON HOW TO BUT HAVE BEEN TOLD BY XXXX THEY'CANT HELP ME  W/OUT THE OLD DC # WHICH DE CANT GIVE ME. please help
Product: Credit reporting or other personal consumer reports

XXXX ) credit collection service acct beginning in # XXXX I disputed that account with XXXX, equifax, and XXXX to no avail. The account was reported on my credit report without contacting me in writing about the debt. Which is debt parking and is illegal. 

XXXX XXXX XXXX XXXX XXXX acct beginning in XXXX was reported on my credit report without contacting me in writing about any bill that I owe or if they intend to report it. I disputed it with XXXX, Equifax, and XXXX with no avail. It is considered Debt Parking and is illegal. 
XXXX XXXX XXXX XXXX XXXX account beginning in XXXX was reported on my report without contacting me in writing prior to reporting it on my credit report. I have disputed this account with XXXX, Equifax, and XXXX with no Avail. This is considered Debt Parking and is Illegal. 
XXXX XXXX XXXX XXXX XXXX account beginning in XXXX was reported on my credit report without contacting me prior to reporting to my credit report. I have disputed it to XXXX, Equifax, and XXXX to no avail. 
XXXX XXXX XXXX XXXX XXXX account beginning in XXXX was reported on my report without contacting me in writing prior to reporting it on my report. I have disputed it with XXXX, Equifax, and XXXX to no avail. It is considered Debt Parking and is illegal.
Product: Debt collection

On XX/XX/XXXX XXXX  billed me for {$1100.00} dollars and was sent to collections. On XX/XX/XXXX I was XXXX  until XX/XX/XXXX I reached out to the company and they said if I don't pay them it will continue to damage my credit. They never notified me of the payments and just sent it to collections I now can not rent apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX, IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 92 A. STATES I HAVE THE RIGHT TO FRIVACY.

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: Student loan

I graduated with my XXXX. I have been paying XXXX every month since then. I have been employed with the XXXX since XXXX and continued to pay on my loan even though I knew of the Student Loan Forgiveness Program. My logic was- its my debt and Ill pay it until I am no longer able. Which in my mind was when my finances decrease, meaning when I retire. Now that I have 30 years with the XXXX, retirement is my next step. So I completed the paperwork in XXXX for the Forgiveness Program. The first response I received was that I did not qualify. 
I went back and did some research and applied again in XXXX and received the response that I was not employed with an eligible organization. 
So, I dug a little deeper and called to speak with someone at the organization that holds the loan, Navient. I was told that I did not have the type of loans that were eligible for the Forgiveness Program. This is where the problem begins. 
XXXX had the loan when I graduated and I made sure that I consolidated my loans to the type that were eligible for the Program since I was already employed by XXXX. Next, the loan was sold to Sally Mae and they were still consolidated to be eligible for the Program. From Sally Mae they were sold to Navient and suddenly they are not eligible for the Program. I was told by Navient that I could consolidate them now but the 120 required payments, or 10 years worth of payments would have to start over. I am getting ready to retire and will not be able to afford another 10 years of payments when I have already made XXXX payments! The absurdity is that I owe {$84000.00} and the loan was for {$82000.00}! I have paid off a home and two vehicles since I got the loan and after paying on it for 16 years ... I now owe more than the initial loan in XXXX. I have paid more than the required 120 payments necessary to qualify for the Forgiveness Program and feel that Navient is trying to get more money from me because I have been paying consistently. I need your help because even the current pandemic inspired relief on student loan payments does not apply to loans that are not held by the Department of Education and I am still making monthly payments as of today. I am requesting your assistance to check into this situation and see if my loan can be forgiven since Ive already met the 120 payments required of the Forgiveness Program.
Product: Credit card or prepaid card

First, this is no longer an issue because the credit card company waived the interest fee that I was complaining about. However, the policy is just not right. 
In XX/XX/XXXX, I unintentionally did not pay the full amount on my Costco Anywhere Visa Card by Citi. I then incurred interest of {$14.00} on the bill due XX/XX/XXXX. I paid that bill in its entirety, including the interest, before the due date. Now on the bill ( with {$0.00} previous balance ) due XX/XX/XXXX there is an additional interest charge of {$37.00}. When I called on XX/XX/XXXX to inquire why there was interest charged when the previous balance was XXXX? -- the answer was that interest is applied until there is 2 consecutive months when the bill paid in full. 
Be aware that interest can be charged on a {$0.00} balance.
Product: Debt collection

Trans Union need removed XXXX  XXXX XXXX docket # : number XXXX I never when through a chapter XXXX bankruptcy dismissed I want this removed off my credit report because it hurt my credit report history. And they post this twice on my credit -history on Trans Union this need to be removed I did file bankruptcy did not go through a bankruptcy chapter-XXXX this need to be removed off Trans Union .
Product: Debt collection

XXXX XXXX XXXX XXXX is in violation of my consumers rights ( 15 U.S. Code 6802 ) by providing my personal information to XXXX XXXX XXXX who I do not have a contract or debt with, which is considered Identity thief.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT TYPE : CHARGEOFF THIS ACCOUNT WAS OPEN FRAUDULENTLY, I HAVE A POLICE REPORT MADE PROVING THAT I DID NOT OPEN ACCOUNT, YET CREDITOR IS STILL REPORTING IT IS MINE AFTER I UPLOADED POLICE REPORT AND ID. THIS IS A CASE OF IDENTITY FRAUD AND I WOULD LIKE THIS REMOVED ASAP. NOT ONLY THAT IT IS ALSO REPORTING INACCURATLLY TO ALL 3 CREDIT REPORTS WHICH ARE EXPERIAN / XXXX / XXXX. I HAVE BEEN FIGHTING WITH ALL 3 CREDIT BUREAUS FOR A YEAR TO GET THIS REMOVED AND ALL IT KEEPS DOING IS UPDATING INACCURATE INFORMATION SUCH AS LATE PAYMENTS THAT ARE CURRENT, AND WRONG MULTIPLE CLOSING DATES AND YEARS. HOW IS ACCOUNT CLOSED AND CHARGED OFF BUT STILL REPORTING LATE, IF THIS ISNT REMOVED IN THE NEXT FEW DAYS I WOULD BE FORCED TO TAKE LEGAL ACTIONS AND SUE ALL 3 CREDIT BUREAUS FOR DAMAGES. EXPERIAN XXXX AND XXXX XXXX DENIED TO FOLLOW UP WITH INVESTIGATION. I RECENTLY WAS NOTIFIED THAT CFPB HAS FILED A LAWSUIT AGAINST THE COMPANY EXPERIAN. THEY ALLEGED THAT THE COMMPANY OF ACCEPTING UNRELIABLE INFORMATION, FAILURE TO NOTIFY CONSUMER DISPUTE RESULTS. THIS ALIGNS WELL WITH MY SITUATION.
Product: Student loan

My wife obtained student loans and graduated from XXXX  in XX/XX/XXXX. I obtained student loans and graduated from XXXX XXXX in XX/XX/XXXX. After getting married in XX/XX/XXXX, we consolidated our loans. Since XX/XX/XXXX, we have worked for XXXX XXXX XXXX and XXXX XXXX. We have tried over the last 2 years to obtain the public service loan forgiveness, but have been refused because of our consolidation. Similarly situated persons who did not consolidated have been granted the forgiveness. This discriminatory action is hurting my wife and I, especially since retirement will occur in the next 10 years. Please help us. We thought we did the right thing by consolidating. No one explained this dilemma in consolidation.
Product: Debt collection

On XX/XX/2019, Source Receivables Management report on my XXXX, XXXX, and XXXX  account for the amount of {$2100.00}. 
I have no knowledge of this account. I do not own this account. I attempted to contact and dispute this account in XXXX and it was not resolved. It has affected my credit and my payment history. I do not owe anything on this debt. I have no knowledge how this account was reported to my credit bureaus.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

In the past I had a Paypal Credit Account which I had closed. Recently Synchrony Bank Placed a closed remark on my Credit report when I closed this account I had in 2011. Never once prior to now was any credit or acknowledgement of this account or the standing or status of this account reported as being open. I should at least have had a status of satisfactory I was not using the account and owed nothing. It is unfair and illegal I am believing for this company to out of the blue report on something that I cancelled 7 years ago. I called them to ask to have this mark removed or at least fairly report there was never a problem with this account and report the good status it should have. I was met with responses that this could not be removed. Yet I know that to be untrue. I have been careful with my credit and this is definitely an unfair act. 

If this happened to me I am sure there are others with the same issue.
Product: Debt collection

I check my credit reports several times a month and this collection for {$890.00} from XXXX XXXX just showed up on my XXXX  and XXXX  credit reports. I tried disputing them on agencies websites since XXXX. Date opened was XX/XX/2019 according to XXXX  website. My data was breached when XXXX  lost all that data. Why didn't this account show up on my credit reports until XXXX XXXX got it?? All of my actual accounts are in good standing and always have been. 

Thanks