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

On XX/XX/XXXX I have received an email from Venmo that I am trying to make a transfer. 
I didn't not try to initiate this transfer so I reached out to Venmo via their chat option right away. 
I was told by the rep that there was no suspicious activity on my account and that they will freeze my account for safety and not to worry. 
However, while we were engaged in this chat, someone added another bank account to my Venmo account and made XXXX transaction for about {$600.00} each. They took all the money I had stored on my account at the time. 
The rep then told me that they will freeze my account again? And that I shouldn't worry and everything will be resolved within 10 days. 

Starting on this day I have been getting around XXXX fraudulent emails from different " government '' organizations asking me to contact them. Needless to say I have been deleting these. 

In 10 days I reached out to Venmo only to be told that I should be getting the resolution " today or tomorrow. '' I haven't heard from them. 

In 2 days after that, I reached out to them again only to hear the same promise, " today or tomorrow at the latest. '' In another 2 days, I reached out again and heard the same response. I requested for my case to be escalated. 

Then, a manger reached out to me via the email to inform me that the problem will be solved 10 days from the fraudulent event. I had to remind them that by that point it had been over XXXX weeks. 

The manager responded that they have no access to my file and they have no information on when it will be resolved. They said that my account was being " investigated. '' Which is completely valid but while they are performing this investigation they are also withholding the money that is not theirs to have. 

I have not heard anything from Venmo since then. Today on XX/XX/XXXX I started getting text messages on my phone from Venmo stating that I am trying to make a transaction for {$500.00} .... I believe this is fraud again and I am unable to reach Venmo. 

In 3 days it will be exactly 1 month since this fraud took place. My account is still under attacks, I don't know if these cyber hackers have been able to obtain my personal data from Venmo, and Venmo has been irresponsive to my attempts to communicate. 

Is this legal for them to break their own policy? Isn't it a crime to withhold their customers money like that on top of not protecting my personal data and not issuing a reimbursement in a timely manner according to their own guidelines? 

I have all my communication with Venmo documented through copies of messages they always issue after the chat communicating is complete. 

This is the request number with Venmo # XXXX And these are the people that have been making false statements in regards to the timing on when my case will be resolved XXXX XXXX Venmo Support and XXXX XXXX | Venmo Purchase Support Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called my Fico whom i have credit monitoring with. My mortgage fico score decreased sharply on both equifax and XXXX. XXXX points. I spoke with a manager and a representative and no one is able to figure out why. The explanation is that this is the algorithm. I am a mortgage underwriter so i understand credit reports well. I have paid down my credit cards, have no large amount of inquiries nor have any late payments in the past 4 years. For some reason no one can explain this decrease.
Product: Credit reporting or other personal consumer reports

On XXXX, I noticed an unauthorized inquiry from XXXX XXXXXXXX XXXX  on my credit report. I did not apply for any services, products, or accounts with XXXX XXXX, nor did I provide any consent or authorization for this inquiry to be made. 

In response, I initiated action by formally requesting documentation under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ). Specifically, I requested certified documentation of any authorization, including a signed application or agreement that would justify this inquiry. I also requested that a person with first-hand knowledge of this matter respond to confirm the lawful basis for the inquiry. 

Despite these requests, I have not received sufficient documentation or verification confirming that the inquiry was conducted legally. Without a prompt resolution, I am prepared to seek further action through regulatory bodies and legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out Notice after Notice. I started XX/XX/XXXX  and XXXX/XXXXXXXX and the last one was on XXXX/XXXX to XXXX. They are not responding to me at all, neither by mail or email. And I only to them they are listing a bankruptcy on my credit report, I was wondering what method they used to retrieve such information. I only want to know what methods they used to verify this information on my credit file. They will not respond back to me and its a fair simple question. I asked them to refrain from responding with a typical verified response I am not disputing such information. To no avail is it anyway you guys can help me out.Oh and one call they hung up on me after awhile..
Product: Credit reporting, credit repair services, or other personal consumer reports

MoneyLion is falsely reporting a loan with a balance as recently as XX/XX/2023. However, the account is paid in full and even reflects so in the moneylion account. They do not respond to contact
Product: Consumer Loan

On XX/XX/XXXX I came to a dealer of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, I purchased a car for {$27000.00} a XXXX XXXX serial no. XXXX. After signing the installment contract at XXXX XXXX the very next day which would be XX/XX/XXXX I came into the dealer to exercise my right to rescind the contract within XXXX hours of the signing this contract after I noticed that the dealer and the co-conspirator XXXX Financial Services committed appraisal fraud. During XX/XX/XXXX I came into the dealer to speak to the finance manager and informed him that I was exercising my right to rescind the loan he informed me that I could not rescind the loan because it was funded. I then insisted that the law was clear that regardless of the funding I had XXXX hours by state law to rescind the contract they then started harassing me regarding rescinding the contract and the deal and to prove that they were wrong I went to XXXX and got an appraisal on the car that they sold me and the appraisal offer was {$14000.00}. I am victim of predatory lending, appraisal fraud and a victim of being denied my right to rescind a contract within the XXXX hours that the law provides. The refused to follow the laws that are in place to protect consumers. As a consumer I have the right to rescind the contract and also when I spoke to XXXX XXXX XXXX he informed me that that right was not available to me because the loan was funded. I then informed him that that was a violation of the law, and he ignored my request to contact management regarding the appraisal fraud and the right to rescind. I will be providing a copy of the installment contract, the retail buyers order and a copy of the XXXX Appraisal. I also contacted XXXX financial services, and the letter dated XX/XX/XXXX they basically said they took an assignment of the contract and that is completely wrong because they funded the loan and they would not provide me a copy of the appraisal or the loan value guidelines to fund this loan. What I have here is a dealer that is violating the law and victimizing consumers and its coconspirator XXXX Financial Services engaging in this type of consumer victimization. In their correspondence they provided me a summary of the XXXX Used Car Guide regarding the XXXX XXXX adjustment values, that report on the bottom it said appraised value item XXXX in other words they went to a website and printed a value sheet and attached it to the correspondence sheet.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, and XX/XX/2022, unauthorized fraudulent transactions were made from my accounts in the following amounts : {$2100.00} transferred from Savings to Checking, {$2000.00}, {$1500.00} and {$3400.00} were stolen from my Checking Account. 
I have provided information that I did not have control of my cell phone and that the thief changed my SIM on each day! 
I have filed a police report, sent letters of explanation, got information from the cell phone provider, filed disputes, notified three credit bureaus, requested reconsideration after denial of claims, filed Internet Crime Complaint and followed the instructions and recommendations of The Federal Trade Commission on IdentityTheft.gov. 
This company has not yet responded to my last communication ; it's been 35 days. 
I have been completely ignored with the exception of the denial letters. 
I was notified by XXXX XXXX, Assistant Vice-President, Resolution Specialist, Regulatory Complaints and given Case # XXXX, I verified my identity as complainant ( by phone message and email ), provided him additional documentation but have NOT heard anything from him. My telephone calls and messages left have also been ignored.
Product: Money transfer, virtual currency, or money service

Ive had a PayPal account for many many years. Out of nowhere they emailed me and told me I can no longer use PayPal. I spoke to customer service and they said they cant tell me why the decision was made. Neither person I spoke to could find any reason for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Retail installment contract is being incorrectly listed as a " secured home improvement loan '' and is showing as a lien on my property which is not true. This loan has been sold many times and somehow reported incorrectly. It is only a retail type loan. It is now causing me major discrepancies on my credit reporting. It has been fraudulently listed. Loan began in   XXXX   originally for {$3900.00}, I have all the original paperwork for it. It was relisted in  XXXX  at {$1200.00} as a charge off and it still showing up.
Product: Credit card or prepaid card

I never applied for or had knowledge of the credit card. My wife at the time opened this account using my name and social security number. I asked the bank for a copy of the original application and/or any information regarding the application of this credit card and they replied, " we can't forward you anything ''. This was back in 2020. How can anyone open a credit account in someone elses name, even if they were married at the time. The bank must have something on record if this account was opened. Their refusal to disclose information to me tells me that they were negligent on their end.
Product: Credit reporting or other personal consumer reports

Around XXXX XXXX I was placed as a authorized user so I can sign up for XXXX XXXX XXXX XXXXard and I received it so I can work on my credit report, I stop looking at it because I can handle XXXXXXXX XXXX XXXX and I dont sign up for stuff, well here it is XX/XX/2024 and I noticed my score dropped tremendously and I didnt recognize those. Accounts that had gave me a hard inquiry for
Product: Credit reporting or other personal consumer reports

I filed bankruptcy XX/XX/2023. Lendly was included in bankruptcy. Lendly is still reporting past due payment with a balance. I disputed with XXXX and Lendly yet information is still not updated. My lawyer states that this is against the law
Product: Payday loan, title loan, or personal loan

XXXX closed complaint that I submitted XX/XX/XXXX. 
Reliable credit Associates a indirect lender who buys retail installment contract agreement from dealerships in Washington state charged off account XXXX for {$3900.00}. issued a XXXX to myself XXXX to IRS for charged off debt. Then yes sold retail installment contract after charge off on XXXX to XXXX XXXX XXXX on XX/XX/XXXX. Collateral that secured the debt was returned by self help repoession and at the time of self help repoession account last payment was less then XXXX with last payment made. 
Car was sold back to Reliable credit Associates per adesa online inquiry. Yet a vin search of collateral shows odometer has been exempt since leaving Idaho to Washington with no lines filed. XX/XX/XXXX filed a case in court for goods and Services that their plantiff was duly licensed to render. But yet welcome letter states your not in interest in a dealership sold gap and warranty insurance policy. But gladly accepted payments from contracts. 
Again, prove me wrong by sending account print out and proof of XXXX. 
XXXX predatory lender who hides behind dealerships whom you buy contracts from which isn't a loan security interest that you guarantee a return on, hence why after a repoession in XXXX you jumped on waiving all credit requirements to secure that interest. Plus if I am wrong why didn't the real party in interest sue me for deficiency balance?? Cause there was none.
Product: Credit reporting or other personal consumer reports

Notice to opt Out Per 15 USC 6802 Per the FCRA ; as a Federal protected consumer, I am now opting out of any and all authorization I the consumer may have given you or your company in written, non-written, verbal, and non-verbal form. 

I am rescinding all authorizations per 15 USC 6802. 

This is effective immediately and indefinitely.
Product: Student loan

In 2008 my daughter was a XXXX at XXXX XXXX. I received a call from the school asking if I would cosign a note for her tuition. I did cosign. I did not receive any paperwork. I understood the loan was approximately {$20000.00}. I was told that if I made all the payments for XXXX years, the loan would be put in my daughter 's name and she would have a lower interest rate than I would. At the end of XXXX end of XXXX years XXXX XXXX denied having told me that, Several years later while paying $ XXXX month, I learned I had XXXX loans totaling {$49000.00}. Only in the last XXXX weeks did I learn how the loan escalated from {$20000.00} to {$49000.00}. The note apparently allowed the school to receive additional funds as it saw fit. 
Last week I was told I owed {$400.00} in interest and {$49000.00} in principle, All my payments for the last XXXX years have been applied to interest.
Product: Bank account or service

An atm machine error caused my deposit to get lost in the machine. Now it 's taking 2 weeks to complete my cash deposit. Bank is breaking its own deposit agreement. The cash was found to be stuck in the atm machine by the bank.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries and accounts were previously deleted is on my credit report without my consent. I was denied credit due to this false information
Product: Credit reporting or other personal consumer reports

Im writing to formally dispute an item on my credit report, which I believe to be inaccurate and unverified. In accordance with 15 USC 1692g, I request that this item be removed or corrected unless the debt can be fully validated.

The account in question is as follows : XXXX XXXX XXXX/Account Number : Unknown Creditor Name : RESULTS FITNESS As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. Until such time that the debt is fully validated, I request that all collection activities related to this debt cease and that this unverified debt be removed from my credit report. 

Please provide me with the following information to verify the debt : XXXX. The original creditors name and address. 
XXXX. A detailed explanation of the debt, including proof of its validity. 
XXXX. Documentation that the debt is mine and that it is reported accurately. 

If the debt can not be verified, I request that it be permanently deleted from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) and FDCPA regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

There is wrong information on my credit report. I have tried to resolve this with this agency and they are not resolving the matter therefore not in compliance with FCRA laws.
Product: Credit reporting or other personal consumer reports

METHOD OF VERICATION REQUESTED & DEBT VALIDATION CLAIM : According to the Fair Credit Reporting Act 15 USC 1692 ( g ) & 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am disputing the inaccuracy on my credit report. I previously requested a description of the procedure which was used to verify and determined the accuracy of the information regarding this alleged debt that I never received. Therefore, I am requesting a description on the procedure that was used to determine the accuracy and completeness of the information that I disputed. 
Who did XXXX interview regarding this account? 
How did you come to this determination? 
Please send me a full payment history of this account A copy of any insurance claims on this alleged debt A copy of the original purchase agreement and original contract with my signature I am also notifying the IRS of this cancellation of alleged debt on my credit report which is showing a {$0.00} balance and closed, but without a 1099c form. VIOLATION!!! 

XXXX XXXX Account Number : XXXX Please remove from my credit report. 

According to the Fair Credit Reporting Act, I hereby request that you investigate and delete THIS from my report. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 5 days of receiving this letter. 
Thank you for your assistance and attention to this matter. I represent myself without any third parties or credit repair agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

* My complaint is with XXXX XXXX XXXX for filing a negative post to my credit report and never letting me know that they had purchased this dispute. I have filed a dispute with XXXX on XX/XX/XXXX. Complaint about negative posting on XXXX Credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX. Phone XXXX. See copy of credit report below. This negative posting was opened XXXX according to the information of the credit report with a Balance of {$220.00} on XX/XX/XXXX. The credit report notes that this is On record until XX/XX/XXXX I received no prior notice via US mail or phone call or voice mail from XXXX XXXX XXXX before this was placed on my credit report. This dispute started in XX/XX/XXXX due to incorrect medical insurance coding on the part of XXXX XXXX XXXX XXXX XXXX my insurance provider at the time. I was advised me not pay any invoices until the coding was corrected. The next billing statement from XXXX was in XX/XX/XXXX and still incorrect. See copy of letter dated XX/XX/XXXX. The XX/XX/XXXX bill was still incorrect and I called XXXX and XXXX billing on XX/XX/XXXX. See copy of invoice and notes of call. XXXX told me I did not owe anything on this account with XXXX and that their insurance coding was still incorrect.
Product: Credit reporting or other personal consumer reports

In violation of XXXX XXXX XXXX, my SS and other private information was exposed in the data breach where hackers stole XXXX XXXX peoples personal and private information, including mine. Fraudulent accounts have been opened in my name. Therefore, hackers and imposters have been using my information without my permission or knowledge.
Product: Student loan

In 2001 when I started college I must have signed up for this private student loan which I hardly remember and from what I understood as a kid to be 5.5 % for {$10000.00} unfortunately come to find out years later when its in repayment they charge a variable interest on each payment which was not explained to me and I obviously didn't understand as a kid starting college. Payments are XXXX bucks XXXX XXXX gets applied to interest from what Im finding out now. Since then the payments are small so I never thought much of it, and they always say we cant send you physical mail, and calling to talk to someone is a pain if you ever get through, so as time goes on this gets put in back burner. Fast forward 20 years and this loan has only been paid down to {$7000.00}. I called them and told them I was a kid and did not understand this practice which looks a lot like predatory lending. They basically just said its a loan i signed and that's it. Offered no help no assistance other then an email to complain.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an inaccurate bankruptcy entry on my credit bureau report. Despite never having filed for bankruptcy, this entry is negatively impacting my creditworthiness and financial opportunities. 

Thank you for your attention to this issue. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX BANKRUPTCY DISCHARGED Account number : XXXX
Product: Credit card

For the past 3 months I've received robo calls from this company despite my advisement that I can not make any minimum payments. I have tried to block their robo calls yet they continue with robo calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, the consumer sent a dispute letter to Experian to validate accounts on credit report. According to their results report number XXXX there are accounts that have been verified and updated as such. Consumer has expressed to Experian multiple times in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ) a consumer credit report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. However, Experian is only authorized to collect, use, sell and or share consumers personal data and financial information relating to consumer in accordance with the direct and written instructions from consumer prior to any use of consumer personal and financial information. This is not the first time the consumer has written to Experian asking who gave them consent to furnish any information. According to 15 USC 1681b ( a ) ( 2 ), the consumer has not under the following circumstances and no other provided the written instructions of which it relates. The consumer is aware that an elaborate mechanism has been developed for investigating and evaluation the credit worthiness, credit standing, credit capacity, character and general reputation of consumer which in this case is causing consumer to lose equity. Experian and with their unfair credit reporting methods are undermining my confidence in the banking system. It is Experian due diligence to exercise their grave responsibility with fairness, impartiality and a respect for the consumer 's right to privacy. Experian is insolent and has disregarded the consumer. Consumer has given Experian written instructions multiple times to update these allegedly accounts to paid in full and no derogatory marks as debt was cancelled and is now considered taxable income. As no income shall not be reported on a consumer report and credit respectively. The accounts that are to be updated are XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Bank account or service

Reading the report investigation regarding Navy Federal Credit Union and the issue of locking out members from accessing their account ( s ) & bank cards from XXXX. I would like to report that the practice has continued into XXXX as my online access was blocked for a few months now as my card to date but this has happened to us since XXXX. My son has had this same issue since XXXX to date as well.