23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a secondary account with Credit Karma banking.i have a checking and savings not even a year old. On XX/XX/2021 my account was frozen!! I had no Knowledge of this until I went to the grocery store that evening to use my card. There was no communication, no call, no text or email about this happening. I called them to complain and they gave no explanation as to why my account was frozen. The customer service person just told me they made a case and please send my questions to that email to get updated. They also said that they are currently working on it. Today is day 7!! Still no communication after ten plus emails and calls. I have no access to MY money for my kids, groceries or gas.. they are even declining my credit card payments that I got through them! I have over {$700.00} in fees from this and I don't think it's right! This can't be legal? They are a member of XXXX XXXX  and when I reached out to XXXX they just transfered me to credit Karma service.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Personal Information under Metro 2 Compliance Dear Sir/Madam, I am writing to formally request the removal of inaccurate or outdated personal information from my credit report in accordance with Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). 

The personal information that I wish to be removed includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ANY OTHER ADDRESSES THAT DONT MATCH THESE 3 ABOVE NEED TO BE REMOVED IMMEDIATELY, THEY ARE NOT MINE. 

As per Metro 2 guidelines, I request that you verify and update my credit report to ensure it only contains accurate and current information. Please send me written confirmation once these corrections have been made. 

I have attached copies of the following documents to support my request : Government Issued ID, Copy of SSN Card, Paystub, Water Bill, & FTC Report Please complete this request within 30 days as required by law. If you need further information, feel free to contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX ---
Product: Credit card or prepaid card

In XX/XX/XXXX I received a letter indicating that the Home Depot XXXX card had been overpaid {$540.00} probably 11 years ago when I last used the card. 
I called the company and asked that any overpayment be refunded. The refund was made. 

In XX/XX/XXXX I received a statement saying that I made a purchase of items that I was delinquent on. I have never used the card in 11 years and Citibank admits no purchase or other use has been made in those 11 years. 

I complained to their fraud department, legal department and consumer complaint department at the administrating Citibank. 
Now they have begun to call me as if I owe them money plus interest and when I ask them to investigate they have no explanation.
Product: Checking or savings account

XXXX XXXX was XXXX XXXX me on phone trying to get unemployment off debit card.
Product: Payday loan, title loan, or personal loan

SUBJECT : Hardship ; XX/XX/XXXX -- I relocated back home to help my recently widowed Mom. XX/XX/XXXX - I was unemployed. XXXX XXXX I Submitted for a " 12 month Unemployment Deferment ''. XX/XX/XXXX - I get noticed that I was late on my payment. XX/XX/XXXX. I called to find out my " 12 month deferment was in 3 month increments. '' Apparently, I had missed the time line by a mater of days. In addition, I am taking my Mom to the Emergency and struggling to find gainful employment and its the holidays. SoFi charges late fees on me. Does not allow me to any more deferments. Reports me to credit agency. I continually paid SoFi through this time and called them multiple times to work out something with me. There is not 1 month in question where money was not sent into SOFI and calls made to keep them informed of the status. My income has been cut by 75 % and they tell me no to refinance, give a forbearance to allow me time to restructure or anything and will not work with other creditors to consolidate or refinance. I felt I was caught up in the " small print '' of things. They continue to send emails telling me they will " help '' but continue to refuse continued " help ''. The entire 12 Month deferment was shady in verbiage in my opinion. I thought I was under deferment when I was not but at the time I was struggling to help my ill mother. I am attempting to restructure my finances and requested additional time to help find my options on XX/XX/XXXX after paying them {$4300.00} and bringing this account current. They once again, told me " no ''.
Product: Checking or savings account

MY COMPLAINT IS AGAINST VENMO I CALLED THEM TWICE XXXX XXXX XXXX XXXX 10 DAYS AGO I WENT TO TRANSFER MY FUNDS FROM VENMO TO MY CHECKING ACCOUNT TRANSFER WON'T GO THROUGH STATES MY VENMO ACCOUNT IS SUSPENDED WHEN I CALL VENMO THEY HAVE NO ANSWERS WHY MY ACCOUNT IS SUSPENDED AND TOLD ME CHECK MY EMAIL FOR RESPONSE VENMO HAS NOT EMAILED ME AND WONT ALLOW ME ACCESS TO MY FUNDS I HAVE BILLS I NEED ACCESS TO MY MONEY VENMO CUSTOMER SERVICE IS A JOKE AND VENMO SHOULD NEEDS TO BE FINED HEAVILY FOR BLOCKING ME ACCESS TO MY MONEY THANK YOU XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello. My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted TransUnion and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Student loan

I have XXXX student loans with Mohela. A while ago, I received a email stating that they changed their platform, reassuring me it would be a smooth transition, but I could not login while this transition was made. I followed their instructions, but the platform failed to allow me access to my loans. In trying to call and gain access to the account, I was asked for my birth year and social security number. This are numbers not easily forgotten. Ive called multiple times in the last few months, but I keep getting notified that none of my information matches their records. Its on my credit report, so I can see that my loans increased earlier this year in XXXX. Im XXXX  because Im not able to make payments to get rid of these awful loans, so theyre growing out of my control. My loans were recently placed in forbearance and I took classes, so the interest has stopped for now but I need immediate access so that I can take control of my own financial situation.
Product: Credit reporting or other personal consumer reports

I AM ONLY LIABLE FOR THIS DEBIT WITH XXXXXXXX XXXX XXXX AND I DO NOT HAVE A CONTRACT WITH CCS COLLECTIONS. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED. I CONTACTED THE ORIGINAL CREDITOR, AND I SETTLED THE AMOUNT WITH XXXX XXXX AND PAID THEM IN FULL. THEY AGREED TO REMOVE THE COLLECTION ACCOUNT FROM MY CREDIT REPORTS FROM THE THREE CREDIT BUREAUS. I BELIEVE THAT CCS COLLECTIONS ARE SCAMMING, BECAUSE I ALREADY PAID THE ORIGINAL CREDITOR XXXX AND I DO NOT HAVE A CONTRACT WITH CCS COLLECTIONS. I DO NOT HAVE ANYTHING TO DO WITH THEM. THEY DO NOT HAVE ANY RIGHT TO KEEP THE COLLECTION ON MY REPORTS WHEN I HAD AGREED WITH THE ORIGINAL CREDITOR TO PAY AND DELETE. I DEMAND THIS ACCOUNT BE DELETED FROM MY CREDIT REPORTS IMMEDIATELY. I HAVE EVIDENCE TO PROVE MY CASE. 

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

I have had a Kohls charge card since XX/XX/XXXX. They are reporting a late payment back in XXXX of XXXX. I recall a Kohls representative reaching out to me bc my payment was late. The reason the payment was late was the fact that I had undergo XXXX and wasnt able to physically login to my account and make that payment. When the Kohls rep heard I was in the hospital, he mentioned that he would refund my late fee and make sure my payment didnt get report to all 3 credit bureaus as late. Well they are reporting it late. I have called several times ( 10 times or more ) and spoken with a Kohls Manager and nothing has been resolved. I am trying to get pre approved for my first home and this late payment sure is putting that on hold.
Product: Debt collection

Collection account from SPRINGOAKCAP with account # XXXX and a balance of {$590.00}. The original creditor is XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Credit card or prepaid card

I opened a XXXX Rewards Business card with Chase in XX/XX/2017. When I had to shut the business down a few months later, I asked them if they could convert the account to a personal account, but they told me they could not. However, when the business card was not paid because the business no longer existed, Chase put the debt on my personal credit report, severely damaging my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, XXXX, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or removed anything. 

The hard inquiries and student loans is not correct on all three credit reports on XXXX credit reports Which is a violation. This is impacting me from moving forward to buying a car. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I submitted an item to be disputed with LexisNexis by certified letter on XX/XX/2021. The letter was delivered to LexisNexis and signed for on XX/XX/2021 at XXXX. 
After 60 days, I have not received any reply from LexisNexis regarding my dispute! 
So since they are now in violation of federal law, I am sending the attached information back to LexisNexis demanding they now delete this item from their records! 
Thank you!
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, Dispute of Innacurate Late Payment Reporting Account reference XXXX XXXX XXXX XXXX. Acct. XXXX XXXX XXXX XXXX XXXX. Acct. XXXX Subject : Request for inaccurate late payments based on FCRA specifically 15 U.S. Code 1681 I am writing to file a formal complaint regarding a critical issue with the inaccurate reporting of late payments on my credit report, specifically concerning the accounts referenced with XXXX XXXX XXXX Acct. XXXX XXXX XXXX XXXX  XXXX Acct. XXXX upon thorough review, I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). As outlined in 15 U.S. Code 1681. The reported late payments on the aforementioned accounts are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid these accounts on time, in accordance with the agreed upon terms.

Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late ( Paanl ) based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations. 
I hereby request that you provide documented proof supporting the claim of late payments on these accounts, in accordance with 15 U.S. Code 1681i of the FCRA, this proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly.

If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflects its accurate status as Paid as Agreed Never Late. According to 15 U.S. Code 1681s ( 2 ) ( A ) ( 1 ) of the FCRA Creditors and Credit Reporting Agencies are required to report information accurately and completely. Additionally, I remind you that you must conduct a timely investigation and provide a written response within response 30 days from the receipt of this dispute letter, as required by 15 U.S. Code 1681i ( A ) ( 1 ). Failure to adhere to this timeline will be considered a violation of the FCRA. 
I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The loan with XXXXXXXX XXXX entered into a covid-19 forbearance. At the end of the forbearance, the payments were made by the state of Texas to keep the account current and up-to-date. XXXX spent over 12 months denying my request to move from forbearance to repayment plans stating that the entire balance of the forbearance must be paid in full to make any payment whatsoever. All or nothing. In XX/XX/year> the account entered into an agreement to begin repayments in the form of XXXX trial payments to begin XXXX through XXXX, each payment was made on time and successfully completed as agreed, however on the final month of the payment plan, XX/XX/scrub>XXXX XXXX XXXX  in bad faith and in violation of the FCRA falsely reported the account as 120 days late. The account was fully listed as current, and went from " no data '' to " 120 days late ''. This massive hit on my credit has lowered my score over XXXX points, and means that I am unable to refinance, obtain better employment, it has jeopardized my XXXX XXXX XXXX, and it's based under a false pretense. All payments were made on time, as agreed, as dictacted by our contract, but XXXX through sheer malice and ill-intent falsely reported it as late to deny me my rights under the FCRA. Efforts to remedy this with XXXX have been met with extreme hostility and a denial of wrongdoing as well as a false representation of the payment history. The representation to the credit bureaus says that I made XXXX payments on time, while XXXX was pocketing my money. They received money, and while recieving it, reported negative blatantly lying information. This is criminal conduct that I attribute personal malice towards and should be met with reprimand by CFPB.
Product: Money transfer, virtual currency, or money service

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

I have been placed on Early Warning by some bank and it is preventing me from opening a account. I haven't been given any reason as to why and what's my next steps to deal with this mess.
Product: Credit card or prepaid card

I have opened a XXXX XXXX rewards card in XX/XX/2016. Since then it has been transferred to collections. The last two weeks I have called so many numbers its making my head spin, just to get transferred to another center. Ive called two different debt services who say they dont have it and that it has been sent back to XXXX. I have talked to MULTIPLE XXXX reps and i have gotten literally nowhere. I can not pay off my debt. They tell me its closed. Everything is closed. But still owed. I am in desperate need of help. Its not fair I can not pay it and make it right.
Product: Money transfer, virtual currency, or money service

When Zelle first came out, it never advised me that if I were to accidentally send the money to the incorrect person thats it would be permanent. I sent {$1000.00} as a gift to my friend and they never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports form XXXX  and Transunion and they are reporting accounts that violates my federal rights as a consumer. I sent them a letter addressing these accounts to bring it to their attention. They have not responded to my letter and still have the accounts reporting on my credit report. This situation is frustrating me and causing a tremendous amount of stress in my life. First, I did not give the my written consent to report the accountspursuant to 15 USC 1681b ( 2 ). Second, they have violated my privacy by sending my personal information to data furnishing companies that I also DID NOT give my written consent to have pursuant to 15 USC 1681a ( 4 ). Using my personal information without my consent is identity theft and is punishable under federal law pursuant to 15 USC 1681n.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX  XXXX **** XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX  XXXX **** XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights . 

I looked at my TransUnion Equifax Experian credit report 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

XXXX XX/XX/XXXXXXXX XXXX XXXX  Attn : XXXX XXXX XXXX XXXX XXXX, MN XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 


By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Best regards, XXXX XXXX