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

To Whom It May Concern, I am writing to express my profound dissatisfaction and anger with Venmo 's disgraceful handling of my account and the funds therein. As a renowned e-payment company, Venmo 's treatment of new users like me is utterly appalling, disrespectful, and unjustifiable. 

On XX/XX/XXXX, I created a Venmo account and received funds from a buyer, as my PayPal account was not working. This transaction was straightforward and legitimate, reflecting the hard work I put into my business. Later, I attempted to transfer these funds to my bank, which appeared to be processing until XX/XX/XXXX. However, to my shock, the money never arrived in my bank account. Instead, my Venmo account was suspended without any warning or valid explanation, and my bank transfer was canceled. 

What followed was an infuriating experience with Venmo 's support team. Despite numerous emails and attempts to understand the reasons behind this suspension, I received nothing but robotic responses, devoid of any genuine assistance or transparency. The lack of communication, transparency, and cooperation from Venmo 's support team is absolutely unacceptable. My money, which I worked hard for, is now unjustly held XXXX for 180 days. 

Venmos conduct in this situation is not only disrespectful but also raises serious concerns about their business practices. It is disgraceful for an e-payment company of your stature to treat new users in such a dismissive and unjust manner. Holding my funds without providing a clear and valid reason is nothing short of theft. 

I demand an immediate resolution to this issue. My funds must be released and transferred to my bank account without further delay. I expect Venmo to address this matter with the urgency and seriousness it warrants. Failure to do so will leave me with no choice but to escalate this complaint to higher authorities and consider legal action to recover my hard-earned money. 

I trust that this issue will be resolved promptly and my funds will be returned to me without further delay. Venmo 's current approach is completely unacceptable, and I urge you to rectify this situation immediately.
Product: Credit card or prepaid card

I moved and didn't receive my billing for 2 months XXXX XXXX, XX/XX/2019 XXXX because XXXX sent the bill to my old address after I moved and reported my new address to them. I called them and explained the situation over the phone to their billing department and they told me not to worry that they understood and would take care of it and remove the late pay as I had never ever been late before and it was such a small amount. 

They did not remove the late pay, so I called them again and they said they would get back to me but they never did. I then send a dispute letter to the credit bureaus, and still I got no response. 

I am now trying to apply for a mortgage loan and this is affecting me. The company has refused to help me with this in any way
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. 

XXXX XXXX XXXX 

Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it.
Product: Credit reporting or other personal consumer reports

Referring back to Claim ID XXXX XXXXXXXX, the company how has switched the number it was using ( XXXX ) to XXXX And how is calling me every day not leaving a message. Is this concerned harassment? 

Here is a copy of the last complaint " Second time in the past two weeks. I received a call from the following phone XXXX XXXXXXXX leaving a voice message from ZFN and Associates, XXXX XXXX, In the message I needed to return a call to the following phone number XXXX XXXX XXXX. The person I spoke with, referenced a XXXX XXXX XXXXXXXX, XXXX for {$500.00} + and stated that they had been sending me e-mail notices, I told the individual that, E-mailing me notices of past due bills is not the way to collect funds, and if they could send me a paper copy of all information that I would either send this information to the FTC due to my SSN has been hacked during that time frame and is still being watched by the FTC. The first time this same individual said that he was going to forward this call to the supervisor and I was transferred to a voice messaging system. The second time I stated that I wanted to speak to the super and this time put on hold for more than 5minutes. Outside of this conversation, I remember this situation and remember contacting XXXX XXXX XXXXXXXX and they told me on the phone back in XXXX that I have not or do not have an account with them. ''
Product: Checking or savings account

On the evening o f  XX/XX/XXXX  I re viewed my account and became aware that it was in the negative. At the time there were  XXXX  pending items - {$26.00}, {$24.00} and {$11.00}. The pending items as listed were included in the negative balance. I immediately transferred {$80.00} from my savings account to cover all of the pending items and have a positive balance in the account. The next morning my account was again in the negative. No additional charges beyond the pending items from the night before had posted.  Suntrust chose to post the  XXXX  pending items prior to crediting the transfer deposit of {$80.00}. This is both unfair and deceptive because when I transferred the {$80.00} my account reflected a positive balance- that there was sufficient funds to cover the pending items and have a positive balance. However, by Suntrust posting the pending items first ( knowing that there was money deposited to cover them ) you balanced my account in such a way that maximized the possibility of overdrafts. Again, unfair and deceptive. I am requesting that Suntrust  immediately refund {$100.00} charged to me as overdraft fees on   XX/XX/XXXX .  Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. and according to 15 USC 1681eb they are supposed to ensure this 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.

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 items of information other then records of convictions of crimes which antedates the report by more then 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.

I Have attached supporting documentation from my personal credit report, attachments will be in order of accounts above. All errors and inacurrcies are highligted.
Product: Debt collection

Hello, I am currently in bankruptcy a repayment plan, resurgent capital services has one of my debts which is a motorcycle loan. My attorney gave them permission to speak with me regarding the payoff on this loan to get the lien release for title. I made payment arrangements for the balance. So I sent them a check for half the amount and I called them 8 days 9 and 10 days later and they said they never received it. So I then made the payment in full with my debit card and told the lady handling my account to not cash the check as I was cancelling it. Not even a day after I paid the balance they cashed the check resulting in a overpayment and my account to be overdrawn. They are telling me they can not refund my money!? Please help
Product: Checking or savings account

My landlord garnished my bank account in XXXX after winning a {$54000.00} money order in Supreme Court for arrears that he created by refusing rent ( he's been trying to evict me and my children since COVID started ). We also qualified for XXXX relief and he has been paid in full through that relief fund but continues to hold my account. Under the Exempt Income Protection Act of XXXX XXXX, I submitted an exemption claim form stating all the money in my account was money I earned in the 60 days prior to the garnishment, 90 % of which is exempt. His lawyers filed an objection. The hearing on their objection was delayed to XX/XX/24 and the judge has not ruled on the motion. The bank has not released my account even though according to the XXXX they are required to do so after 21 days if they have not been instructed otherwise by the court, regardless of any continuing court action. Additionally we received a temporary restraining order from the court that required the release of my account and the bank has ignored that as well. My account has been held illegally for more than 100 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accourdance with the Fair Credit Reporting act. Experian and the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 

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

15 U.S.C section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

FCRA violations : inquires not mine XXXX XXXX NA Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts do not belong to me XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$520.00} written off. 
XXXX Potentially negative Date XXXX XX/XX/XXXX XXXX {$430.00} XXXX Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$470.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Account charged off. {$700.00} written off. {$700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$20000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$430.00} Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Collection account. {$180.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3800.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9600.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9300.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7500.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2800.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 

FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX LA XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, LA XXXX
Product: Mortgage

My home loan was sold from XXXX XXXX to Roundpoint Mortgage Servicing LLC with a transfer date of XX/XX/XXXX. My monthly payment amount with XXXX XXXX was $ XXXX. On XX/XX/XXXX property taxes were paid by XXXX XXXX  in the amount of {$3300.00}. Home insurance paid by XXXX XXXX  on XX/XX/XXXX was {$2700.00}. All escrow balances were transferred by XXXX to Roundpoint Mortgage effective XX/XX/XXXX. XXXX property taxes were {$3300.00} and were paid by Roundpoint Mortgage on XX/XX/XXXX. Home insurance was {$3000.00} and was paid by Roundpoint Mortgage on XX/XX/XXXX. Roundpoint Mortgage conducted an escrow analysis on XX/XX/XXXX. They are claiming I have a shortage of {$3700.00} and have raised my monthly payment to {$1700.00}. They are claiming that my expected amount of taxes and insurance was {$6000.00}, but my actual amount was {$9700.00} which equals a negative balance of - {$3200.00}. This is inaccurate. 

I originally contacted Roundpoint Customer Service on XX/XX/XXXX regarding this error. They explained how an audit works and claimed everything was correct. I said it was not correct and asked to speak to a manager. I was repeatedly told that a manager would tell me no different but was eventually placed on hold. The CS agent came back on the line several times with excuses of why I could not talk to a manager. I informed the agent I would continue to wait. I eventually was able to speak to a manager who told me all they could do was put in a request to have a new audit run and request that someone from the escrow team give me a call within the next couple of days. No call came. On XX/XX/XXXX I spoke to the escrow department about my concerns. After walking through the analysis with the agent, the agent agreed that something looked strange. He said he would submit a request for a new escrow analysis to be completed. I was told this would be completed within XXXX days. As of today, XX/XX/XXXX no updated audits have been received or posted to my account. 

Roundpoint Mortgage is unwilling to find the error they have made and to fix that error.
Product: Credit reporting or other personal consumer reports

XXXX. Price that we did not agree to Price that we did not agree to XXXX message XXXX XXXX XXXX Tue, XXXX XXXX, XXXX at XXXXXXXX XXXX To : XXXX - XXXX XXXX Hello XXXX, im still waiting in a resolution regarding my claim. I haven't heard anything back regarding our recent conversations regarding the irregular prices for the jewelry. We're you able to rectify the matter with the store in XXXX? 
[ Quoted text hidden ] From XXXX XXXX XXXX message XXXX - XXXX XXXX Tue, XXXX XXXX, XXXX  at XXXX XXXX To : XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Hi XXXX, Upper management is reviewing your open claim with us. I will update you as soon as possible. 
Best, XXXX [ Quoted text hidden ] XXXX. 

Email sent from XXXX XXXXXXXX XXXX XXXX to me : XXXX customer service XXXX message XXXX - XXXX XXXX Wed, XXXX XXXX, XXXX  at XXXX XXXX  To : XXXX XXXX XXXX Since you did not agree on these prices we want to help conclude to resolution by giving you partial refund. How much would you like as refund? I will bring that price to upper management and see what we can do. 
Best, XXXX [ Quoted text hidden ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company rep in XXXX of 2019.The rep said I would receive info in the mail to file a dispute, it never came and they passed me around to different personal for 30 minutes.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are reporting the account listed as XXXX the account number is XXXX. There are several inconsistencies from each credit bureaus. Since the information is inconsistent that means the information has not been properly verified as accurate. 

Account Status : Closed Derogatory Open Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$24000.00} {$24000.00} {$0.00} Past Due : {$0.00} {$14000.00} {$0.00} Payment Status : Unknown Collection/Chargeoff Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHTS TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACOUNT WITHOUT MY WRITTEN INSTRUCTIONS. XXXX XXXX XXXX {$270.00} DATE OPENED XX/XX/XXXX, XXXX XXXX XXXX UTILITES DATE OPENED XX/XX/XXXX, {$1700.00}, XXXX {$310.00} DATE OPENED XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  DATE OPENED XX/XX/XXXX, {$1400.00} ALL MY ACCOUNTS ON MY REPORTS
Product: Debt collection

Whom It May Concern : This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above. Do not contact me, or any third parties regarding this debt. 

Furthermore, I formally dispute the validity of this debt. Please provide me with documentation that supports why you believe this debt belongs to me, and why you believe I owe this {$100.00} amount. Please send me copies of the original application for this account, any signatures associated with this account, any bills associated with this account, etc. 

You are also notified that should any adverse information be placed against my credit reports, appropriate actions will be taken under the federal Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company was contact months ago and so were all 3 credit bureaus. The account in collections was opened fraudulently back in XX/XX/XXXX and this company is purposely reporting this debt as if it was opened in XXXX. This leads to more of a score drop on my credit report and is being done on purpose because XXXX XXXX  XXXX is aware that the account was is set to fall off in 7 years ( XX/XX/XXXX ) which was confirmed by all 3 credit bureaus however this unscrupulous bill collector is reporting the account being opened this year XXXX just because they bought the debt which should not be allowed by the credit bureau and should not be done by the collection agency. This is a ridiculous attempt to not submit the correct information and it needs to be reported correctly which is it was opened in XXXX NOT XXXX. 

This debt needs to be reported correctly it was last delinquent in XXXX and is set to fall off the credit report XX/XX/XXXX, therefore XXXX XXXX XXXX should not be allowed to report fraudulent information as if this account was open and first because delinquent in XXXX to the credit bureaus and the credit bureaus should NOT allow this practice to continue for anyone, very unscrupulous behavior and XXXX XXXX  XXXX has been notified and have made no changes.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to TXXXX Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated. I have contacted this company for debt validation and have also sent a notice to cease and desist of all illegal activities and communications. It has been well over 30 days, and I still haven't had a response.
Product: Checking or savings account

Placed order at center mass XX/XX/XXXX, XX/XX/XXXX I still had not received my product. I filed a dispute with Chime bank and was told it would take 3 months to get my money back. I have contacted chime multiple times with no reply other than it will take months to resolve.. the company cancelled my purchase at the end of XXXX amd have not received any product or money. Currently out XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ) {$3300.00}, summit A r balance {$890.00}, XXXX XXXX balance {$790.00}, XXXX XXXX XXXX balance {$170.00}, XXXX XXXX XXXX balance {$130.00}, XXXX  Balance {$0.00}