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

XXXX ( Venmo ) XX/XX/XXXX, XXXXXXXX XXXX CDT Dear XXXX XXXX, My name is XXXX with PayPal 's Office of Executive Escalations. Your outreach regarding PayPals Venmo product was forwarded to me so that I can fully address your concerns. 

I regret the frustration and difficulty you experienced with the suspension on your Venmo account. I understand how this would be a cause for concern and I appreciate you bringing it to our attention. 

On XX/XX/XXXX, you created a Venmo account ( Account ) at which time you agreed to Venmo 's user agreement ( User Agreement ). 

On XX/XX/XXXX, you received a direct deposit in the amount of {$670.00} for unemployment benefits. 

In order to prevent fraud and help ensure the safety of the Venmo system, Venmo routinely reviews account activity. On XX/XX/XXXX, we carefully considered a number of factors that, when viewed together, indicated there was a high level of risk associated with your Account. Specifically, Venmo identified risk associated with the unemployment benefits you received from the state of Louisiana. 

Pursuant to the Restricted Activities section of the User Agreement, In connection with your use of our websites, your Venmo account, the Venmo services, or in the course of your interactions with us, other customers, or third parties, you must not Violate any law, statute, ordinance, or regulation ( for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising. ) As such, to maintain the security of our network, Venmo suspended your Account as permitted under the Holds and Limitations section of the User Agreement. Venmo notified you of this action via email and requested that you provide your government issued photo ID to verify your identity. On that same day, you provided the requested documentation to Venmo. 

On XX/XX/XXXX, Venmo completed their review of your Account, and determined we were unable to mitigate the risk associated with your Account. As a result, Venmo decided to cease offering our services to you as permitted under the Restricted Activities section of the User Agreement. We notified you of this action through an alert prominently placed on your Account 's overview page. 

On that same date, you were also informed that your Account balance would be held for up to 180 days, at which time we would email you with information on how to access any remaining funds. 

On XX/XX/XXXX, Venmo conducted an additional review of your Account and determined that we would be unable to release the remaining balance at this time. 

Basically there was a {$670.00} unemployment check that was accidenlty depositied into this account, from my then spouse, XXXX XXXX XXXX from the state of Louisiana. I sent all documentation his and mine, social security cards, bank statements, info from unemployment, identification cards etc. 

We still have not received any of the other {$6000.00} that is in the account.
Product: Credit card or prepaid card

I closed my account after only about a year in XXXX XXXX after having my credit limit lowered twice in the past several months ( I was declined for a medical payment I was making when I logged on and found out my credit limit was lowered ). In early XXXX I completed the autopay enrollment process to pay off my balance on this account with continued monthly installments. On XXXX I received a bill with a higher than normal minimum payment and when I logged on I see my pmt is past due. The company did not process my autopay for my XXXX pmt and hit me with a late fee. When I called I was told it would take a billing cycle for the auto pay to kick in and I should have received a disclaimer telling me this. It did not. I have a screen shot of my enrollment due to previous issues with this company 's online account features related to payments and bank accounts associated for payment. So now, for the at least the second time I have been charged fees due the company 's less than adequate online payment system.
Product: Mortgage

I bought house in XX/XX/XXXX, mortgaged through Suntrust Mortgage. They forclosed on me and house was sold at auction on XX/XX/XXXX. In all, I was 3 payments behind, approx. XXXX. I was still trying to make monthly payments to not get further behind and try to catch back up. They accepted a couple payments then started returning them, not accepting the monthly payments and wanting the back payments in full. I was unable to and asked for help. They sent package to fill out and return, which I did and they received it on XX/XX/XXXX. Never heard anything from them as was getting close to auction, I called to see if they were gon na help, they said no, that I did n't get the paperwork to them in time. Said they needed 15 days before sale of house. Mine was there 12 days before sale of home. They did send me letter saying I was denyied help. Said they mailed it out on XX/XX/XXXX, but I did n't receive letter in mail until XX/XX/XXXX., 3 days after house was auctioned off. That 's 2 weeks it took to get a reply from them. My package for help I signed and mailed in could have taken that long to get there too, which is unusual and not my fault. So they could have gotten it 15 days before sale date and being that I have been with them for almost 10 years making payments you would think they would be loyal to their customers and accept my help. Obviously not!!!! Also wish I had known about lawsuit against Suntrust recently. I qualified for a settlement, enough to bring my account current, and not be homeless. I never received anything. Feel I was kicked out of my home by suntrust mortgage. I 'll never do business with them again. Thanks for the help!!!
Product: Money transfer, virtual currency, or money service

1 ) sold a XXXX XXXX  watch for {$800.00} on XXXX  on XX/XX/2020 ; payment received through PayPal ; then buyer stated watch wasn't as described and received XXXX 's ok to return despite photographic proof that the watch he was trying to return was a different watch -- XXXX ( probably because of limited COVID staffing ) didn't reply in a timely manner so PayPal charged back my account on XX/XX/2020 -- I appealed to PayPal with electronic and printed photo proof, exchanged many messages, sent separate pleas with proof to their President and then Chairman but didn't receive a response -- one specific example is that the watch returned had 6 links on one side of the band while the watch sold had 5. His watch was also scratched in many spots and dirty. PayPal never answered as to how they could ignore the photo proof in my claims and have still not satisfactorily responded as of XX/XX/2020. 
2 ) as a result of that action, on XX/XX/XXXX PayPal put on hold {$380.00} proceeds from a separate transaction that were to be released one day after customer received shipment which was XX/XX/XXXX. As of XX/XX/XXXX they haven't released the funds and have not responded to requests
Product: Credit reporting or other personal consumer reports

For the company to do what is fair and equitable to me as a consumer by deleting the unauthorized items from my consumer report These items are not transactions conducted by me as a consumer. 

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. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : Account name : Account name : Account name : 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

Hello, In XX/XX/2022, we were placed on a COVID forbearance plan that expired on XX/XX/2022. In that time, I applied for homeowners assistance fund that was available through the Florida Department Of Economic Opportunity. My application was approved on XX/XX/2022 and they stated they would distribute funds directly to my service provider which is XXXX XXXX to pay the amount due/past due amount on my Mortgage. Unfortunately, there wasn't a timeframe provided on when they would send the funds. It's been over a month. I've been in contact with XXXX to advise them of this, and they stated my account was protected even though my forbearance ended on XX/XX/XXXX. All they said i could do was stay in contact with them once I advised I was waiting on payment assistance and they are aware that the time varies on when the funds are sent. I called last Thursday and spoke with XXXX on the XXXX as i scheduled a payment for XX/XX/XXXX, to inquire if i should make my regular monthly payment now that my Forbearance ended even though i was still waiting on assistance due to me not wanting a late payment on my credit or my house to go into Foreclosure. I was assured it would not, and was advised to not make any payments until the amount due/past due was paid on my Mortgage by the Florida Department Of Economic Opportunity . I was assured this wouldn't negatively impact me, and XXXX even stated they spoke with their supervisor who even cancelled my payment that was scheduled for XX/XX/2022. Now it is XX/XX/2022, and XXXX XXXX and I both had our credit scores hit and they were dropped XXXX points. I am extremely upset, and i attempted to contact XXXX, XXXX today, and every time i contact the main customer service number, i get told due to high call volume, i need to call back at a later time. Well, i tried multiple times throughout the day at different numbers and can not reach anyone. I finally spoke with my lender directly XXXX XXXX XXXX, who transferred me internally to someone in XXXX, who then transferred me to another person. This whole situation is a nightmare, I just want our credit report fixed, and I want our mortgage protected until the funds are paid on the amount thats due/past due that was promised through the Florida Department Of Economic Opportunity XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a charge off account when payment was made before the normal 120 days of charge off. I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off XXXX XXXX refuse to recognize their mistake.
Product: Credit reporting or other personal consumer reports

I am writing regarding the account XXXX XXXX XXXX. Which is reporting to the credit bureau inaccurately. I have disputed this account multiple times, and despite my efforts, the balance continues to increase erroneously. You are required by the FAIR CREDIT REPORTING ACT ( 15 U.S.C 1681s-2 ) to provide accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no recollection of these inquiries on my account I have called I have written and nothing has been done XXXX XX/XX/XXXXXXXX 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 They have failed to respond to my disputes they have failed to respond to my calls this is in violation of my rights I have put in fraud alerts on accounts
Product: Debt collection

Jefferson Capital XXXX. Have conducted dirty tricks behaviors damaging my credit reports, change balance amounts back and forth, update remark C and change date that was open on the account. I have compliant to credit bureaus, but nothing was done about it.
Product: Credit card or prepaid card

I applied for an American Express Gold credit card on XX/XX/XXXX. I received a reply dated XX/XX/XXXX, indicating that I could not be approved because I " have too many new bank card accounts ''. 
The denial letter indicates that I can call American Express to ask them to override this decision. I contacted American Express on XX/XX/XXXX and they told me that I needed to contact them again in 30 days. I contacted them again on XX/XX/XXXX. 
On XX/XX/XXXX, I contacted American Express and was told that they can not override the decision. Instead I should contact the XXXX  Credit Agency, who makes the decision. 
On XX/XX/XXXX, I contacted the XXXX Credit Agency and was told that they can not override the decision. Instead, I should contact American Express who makes the decision. 
Based on my XXXX  Credit report, I have only 5 bank cards open. My XXXX  credit score is XXXX ( considered excellent ). 
My complaint is about this process of approving or denying a credit card application, and the ability ( none ) to talk to someone about the decision. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DOB XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I opened this account in XXXX Its been closed since XXXX and charged off since then as well. The company is still reporting it on my credit and it is affecting my score this is not fair for 2 reasons, 1 it has been charged off so they have collected a debt that I was to assume the tax on but didnt have the right as per us code 15 1601. 2 it has passed the legal time for the company to sue or collect on this debt as per us 15 1612. This needs to be completely removed from my credit report. The company also declined my dispute without sending back any legal paperwork to show that this account or debt is even legally mine.
Product: Credit reporting

I contacted Transunion regarding my address and they 've mentioned removing XXXX of the addresses listed. Every credit report I receive item has not been moved. I did not live at the address they are stating.
Product: Mortgage

I have been trying to get a loan modification with Wells Fargo. The process started at the beginning of the year and has been going on since then. I am a XXXX year old XXXX veteran and my wife and I have been struggling to stay in our home. Wells Fargo has threatened us with foreclosure while in the loan modification process. Meanwhile the bank has been stalling and stalling and we can not seem to move forward. What angers me as well are the advertisements they run on the tv. One states they have changed ( since cheating their customers ) and another talks about their involvement in helping different charitable organizations.. I am a veteran and I believe I have a predatory loan. They appear unwilling to help but seem intent only on stalling without any progress made to resolve this issue.
Product: Debt collection

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by JEFFERSON CAPITAL SYST and XXXX XXXX XXXX Upon reviewing my credit report, I discovered that XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX XXXX XXXX JEFFERSON CAPITAL SYST or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that JEFFERSON CAPITAL SYST and XXXX XXXX XXXX is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX XXXX XXXX It shows that this account was opened in 2014. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Product: Credit card

On XXXX a charge for {$110.00} came through my XXXX XXXX checking account from a merchant ID XXXXXXXX. I did not authorize this charge and I learned it came through as an ACH withdrawal. 
I disputed the charge on XXXX : dispute ID XXXX for account ending in XXXX. 
The dispute was resolved in my favor with the money being returned to my account. 
To ensure that no future authorizations would occur I contacted the company asking to speak with their fraud department. My customer service agent would not transfer me or escalate the complaint I was bringing for the reason that I do not have an account with the company ... and yet they have the account information for my bank. I am not a customer of this merchant yet they have the ability to withdraw money fraudulently from my checking account. They would not comply with my request that any authorizations be revoked.
Product: Credit card or prepaid card

I noticed a fraudulent charge for {$490.00} dated XX/XX/XXXX from XXXX XXXX  I notified Barclays about the charge and they cancelled the credit card and issued a new one. Originally they removed the charge but I received a letter 2 days ago stating that after an investigation they determined that the charge was valid and put the {$490.00} charge back on my account. The letter was dated XX/XX/XXXX. I called them back and they refuse to remove the charge and will not listen to me when I told them I never made the purchase and that the charge was not valid.
Product: Credit reporting or other personal consumer reports

This process have become more than just an investigation.. it has become entertainment for local residences. The harassment and device hacking has become overwhelming. I was not notified in the correct manner of an opening or ongoing investigation.. nor have I knowingly consented to any availability access to personal information. Malware has breached any and all devices within my fianc and I, living quarters which is operated by hackers associated with government officials.
Product: Credit card

American Express allows you to open an account online, but you can not close your account online. You have to do it in a call or on a chatbot, where you suffer signifiant delays and an interrogation as they try to convince you not to cancel. 

It should be as easy to cancel an account as it is to open one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Experian, XXXX XXXX XXXX the major credit reporting agencies in the United States. I have recently gone through a dispute process with Experian regarding inaccurate information on my credit report. Despite providing them with evidence that clearly showed their violation of 15 USC 1681i, Experian, XXXX XXXX XXXX failed to conduct a proper investigation and continued to report inaccurate information on my credit report. 
As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information they report about consumers is accurate and up-to-date. When a consumer files a dispute regarding inaccurate information on their credit report, it is the duty of the credit reporting agency to investigate the dispute and ensure that the information is corrected or removed. 
In my case, I provided Experian, XXXX XXXX XXXX with proof that the information they were reporting about me was inaccurate and in violation of 15 USC 1681i. However, despite this, they failed to conduct a proper investigation and continued to report the inaccurate information on my credit report. This has caused me significant harm and has made it difficult for me to obtain credit or loans. 
I am therefore requesting that the CFPB investigate this matter and take appropriate action against Experian, XXXX XXXX XXXX for their failure to comply with the FCRA and 15 USC 1681i. I believe that Experian, XXXX XXXX XXXX actions have violated my rights as a consumer and have caused me significant harm. I am also requesting that Experian, XXXX XXXX XXXX delete the inaccurate accounts on my credit report and take steps to ensure that this does not happen to other consumers in the future. I have evidence once again provided below with the violations and inaccurate reporting that Experian, XXXX XXXX XXXX still chooses to report and a complaint filed with the XXXX against them. Accounts as follows XXXX XXXX XXXX Acct # XXXX, XXXX Bank Acct # XXXX, XXXX XXXX Bank Acct XXXX XXXX & XXXX XXXX XXXX  Acct # XXXX. These accounts ar earill repeoting In violation and not marked as disputes nor have some of the accounts been updated with the present date when experian said the accounts have been verified and updated
Product: Debt collection

I am filing a complaint regarding a collection account on my credit report for an alleged debt that I do not recognize and should not be held responsible for. Can't stress enough on how frustrating and debilitating this is, you wake up one day and to your surprise you have a debt you know nothing about, unverified and that simply just isn't yours. This account is causing unnecessary damage to my credit, and I am disputing its legitimacy.
Product: Debt collection

I countersued XXXX in state court. I had already vacated the premises due to unihabitable conditions, XXXX rat infestation ) and they wanted rent money and fees for that one month and readying the apartment ( carpet fee etc ) they also kept my deposit. However, the judge stated that I did not owe them any more monies, not for rent, carpet fee, readying the apartment etc. However, XXXX put the debt on my credit report and sold it. I then told the debt collector that I had a case disposition stating that I did not owe. They did not remove the debt from my credit report. I recently faxed over a copy and it was still not taken off my credit report. They insisted that I owed the debt despite a court order stating that I did not. 
The company is Professional Debt XXXX. XXXX XXXX XXXX FL XXXX, XXXX, FL XXXX. The representative is XXXX XXXX.