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

Whether this is the fault of the sender 's financial institution or Venmo, {$630.00} has been wrongfully withheld from me since XX/XX/24 even though the sender and I have confirmed the validity of this transaction and the sender 's bank confirmed the originally filed dispute was invalid. 

XXXX Transaction was applied and accepted by Venmo for {$630.00} XXXX Dispute case was opened by Venmo due to a notice from the sender 's financial institution. 

XXXX Venmo performed a hold on my account for the {$630.00} XXXX I contacted the sender, and she explained this was a misunderstanding between her and her bank and she would resolve the dispute. 

Week of XXXX The dispute was resolved between the sender and the sender 's bank and a formal written notice was sent to the sender that the sender 's bank had resolved the dispute, and the money was processed with Venmo . 

XXXX Venmo sent an email stating they would keep the disputed amount available in my Venmo balance as they continue to resolve the case. However, this amount was never provided to me. 

Between XX/XX/24 and XXXX Venmo had been contacted multiple times by me and the sender explaining this is a valid transaction via email and phone. Venmo refuses to release the {$630.00} they have withheld from me.
Product: Credit reporting or other personal consumer reports

This account appears in XXXX as charge off, it does not indicate when or to whom it was sold and in Transunion it appears as voluntary delivery. By the provisions of the fair credit reporting act I demand remove any information that the creditor can not verify I understand that under 15 USC Sec 1681 ( a ) you must complete the reinvestigation within 30 days. 


TRANSUNION : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60  days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 (  a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I reached out to TransUnion to delete unauthorized hard credit inquiries from my report. I was instructed to submit an FTC report and I was directed to the CFPB. 

I have XXXX ( XXXX ) unauthorized hard inquiries to my TransUnion credit report that I did not authorize and will need to have removed. 

These hard inquiries are inaccurate and were not made by me. The following inquiries are : XXXX XXXX  requested on XX/XX/2023 XXXX CARD SERVICES requested on XX/XX/202XXXX XXXX XXXX XXXX requested on XX/XX/2023 I have already reached out to XXXX and XXXX who have removed these inquiries as being fraudulent and would like these inquiries deleted.
Product: Prepaid card

Filed against : ReloaditXXXX XXXX XXXX XXXX CA XXXXComplaint Description : Theft of Money - {$900.00} total. {$500.00} in Reloadit 'Safe ' and {$500.00} on Reloadit card that I can not load to 'safe '. Claimed Tech Difficulties XX/XX/2015 - purchased XXXX reloadit cards for a total of {$1400.00} ( {$500.00}, {$500.00}, {$400.00} ) - After delay of having to try XXXX times to verify my card ( which had already been verified weeks ago ) Both cards for {$500.00} each finally loaded to my 'safe ' I was able to load only {$500.00} to my netspend card. When I tried to reload the remaining {$500.00} in my safe ... I get the error " experiencing technical difficulties, please try again later. The card for {$400.00} will not even load to my 'Safe ' - system says ... you reached your max of {$1000.00} for the day. XX/XX/2015 - still same thing ... can not get my money which I am critically in need of. So I researched the so called 'technical difficulty scam .... thus I am not waiting for months for a resolution nor to file my complaint http : XXXX Called reloadit.com, got run around that the reason my card would not load is because the XXXX card is rejecting it .... Called XXXX and I can load up to {$2500.00} on that card so just another game by Reloadit to steal my {$.00} In same call with Reloadit.com XXXX asked why I can not load my other card for {$400.00} to my " safe '', they said you can not load more than $ 1K a day .... Well I loaded $ 1K a few days ago and have tried to load my {$400.00} repack card everday, since with no luck. Also getting technical difficulties message which we know if fake ... The customer service person said ... let me go and check on that then never came back on line .... Instead got some cryptic message that meant nothing to anyone and then I was hung up on!
Product: Credit reporting, credit repair services, or other personal consumer reports

thier are inquiries on my credit file i did not authorized, witch i believe is fraud due to equifax security breach. 1.XXXX XXXX XX/XX/2018 2. XXXX XXXX XX/XX/2018 3. XXXX XXXX- XXXX XX/XX/2018 4.XXXX XXXX XX/XX/2018
Product: Credit card or prepaid card

A company repeatedly charged my CashApp card attempting to drain all funds. They were able to get {$150.00} ( all that was available ). This is has been disputed at CashApp support. 

Hi there, I'm XXXX, a XXXX XXXX for Cash App. After reviewing your case, I can see that you have an unrecognized transaction. 


Date Status Amount Last XXXX of Card Type Statement Description XX/XX/22 at XXXX XXXX Captured {$50.00} XXXX Card Not Present Purchase ACQRA *innskins We have received your dispute and filed a claim. As updates become available, we will keep you informed. 

Our investigations usually take up to XXXX XXXX XXXX. However, it may take up to XXXX XXXX to review and resolve your claim. 

We recommend securing your account by following Cash Apps XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

Thanks for your continued patience while your claim is under review. 

XXXX XXXX. 
Cash App XXXX XXXX ref : XXXX : ref -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This is XXXX XXXX Cash App XXXX After reviewing your case, I can see that you have an unrecognized transaction with XXXX XXXX 

Date Status Amount Last XXXX of Card Type Statement Description XX/XX/22 at XXXX EST Captured {$100.00} XXXX Card Not Present Purchase XXXX XXXX We have received your dispute and filed a claim. As updates become available, we will keep you informed. 

Our investigations usually take up to XXXX XXXX XXXX. However, it may take up to XXXX XXXX to review and resolve your claim. 

We recommend securing your account by following Cash Apps XXXX XXXX Practices ( https : XXXX ). 

Thanks for your continued patience while your claim is under review. 

Best regards, XXXX Cash App disputes ref : XXXX : ref
Product: Payday loan, title loan, personal loan, or advance loan

Original loan amount of {$500.00} was deposited into my account on XX/XX/year>, with an agreement of {$75.00} withdrawn weekly from my bank account. Payment dates as followed : XXXX {$75.00}, XX/XX/year> - {$100.00}, XXXX {$100.00}, XXXX {$75.00}, XX/XX/year> - {$75.00}, XX/XX/year> - {$75.00}, XX/XX/year> - {$75.00}, XX/XX/year> - {$75.00}, XX/XX/year> - {$75.00}, XX/XX/year> - {$75.00}, XXXX {$75.00}, XX/XX/year> - {$75.00}, XXXX {$75.00}, XX/XX/year> - {$75.00}, XX/XX/year> - {$75.00}, XXXX {$75.00}, and XX/XX/year> - {$75.00}.
Product: Payday loan, title loan, or personal loan

I have taken multiple XXXX and paid them without any issue in the past. I always pay a large amount and make payments less than what the schedule states without any issue. They gave recalculated them in the past. Until now. I was financed on or about XX/XX/XXXX of this year. I made a payments if XXXX. And payments if XXXX there after. I received the first notice that my account was past due {$0.00} with it being 11 days past due. I called they had no solution. I received another email i called the rep said oh my supervisor said its bc you have not made you full payment amount. I proceeded to tell her it doesnt makes sense the account i is paid ahead XXXX i always go paying the full amount when the XXXX clearly says {$0.00} is due makes no sense. I asked the account he looked at and recalculated just as they did before. No help was given. They wasted my time with the call bc i still got notices, i emailed them frustrated because they still didnt understand. They repeated to me the same story i made it clear this better no have any effect on my credit due to its not late. The account wasnt suppose yo he laid off until XXXX of XXXX. It is now paid off however i awoken to my credit reports showing a late payment for this company when in fact there was no amount late on the account at all. I have attacked all notices, pay schedules, payments, and emails to this complaint
Product: Money transfer, virtual currency, or money service

I was filing my taxes online and was going to have them electronically deposited into my boyfriends account at Union Bank, in XXXX XXXX, CA. My boyfriend went to the bank and asked them to write down his account number and routing number so that I could put it on my tax papers. He then gave me the numbers that the teller wrote down for him for his account and I put them on my tax forms and sent them off, this was around XX/XX/2018. By XX/XX/2018 I still had not received my monies from the IRS into my boyfriends account. A couple days later it was showing as a pending transaction into my boyfriends account, so we figured the next day they would be in there. Well the next day the pending transaction was not there, and there had been no monies put into my boyfriends account. He went to the bank and asked what was going on, they told him they didn't know where the money was and that it probably didn't go into his account because my name was not on his account. They said it was probably sent back. Well needless to say, it wasn't sent back, it was put into the wrong account. The teller had given my boyfriend somebody elses account number, so when I put it on my tax papers that's where the money went to. Two more months had already gone by before I found all this out in XX/XX/2018, after I had the IRS track it and everything. So I get a letter from the IRS and TREASURY DEPT. Saying to the bank to return my money to me with a bank check. So my boyfriend and I go the bank with the letters I had gotten and all the proof and information needed for them to write me a bank check for my money. The manager tells us that it is all our fault the money got put in the wrong account, and we are to get it from the guy that the money went into his account. WHAT? XXXX!! I have never heard of anything so unacceptable in my life by a Manager of a Bank. They still to this date XX/XX/2018 have not returned my money to me. The Managers name is XXXX.
Product: Checking or savings account

I have been a victim of multiple identity theft issues in my recent past. It started by being homeless for the very first time. Then when some criminals on the street found out about how I was without a phone, computer, ect. And vulnerable that's when they started playing games and tricks with me and also being out right XXXX XXXX with me and making threats to me it I didn't do what they asked of me it would get worse. A XXXX XXXX, stole my bank debit card several times, tried stealing my car title and registration, then XXXX XXXX XXXX XXXX  on XXXX XXXX in XXXX all to steal my car that day. XXXX XXXX had once again cut XXXX a deal in order to put me in harms way to get illegal money that was actually mine. Still to this very day, I've had so much XXXX happen to me over these last six years, how could I tend to fixing my credit report when I was merely trying to not XXXX  or XXXX XXXX XXXX outside in the winter snowy cold.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation: auto loan not mine
XXXX XXXX XXXX

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX

FCRA VIOLATION: ADDRESS NOT MINE
XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX  TX
XXXX

FCRA Violation:  student loan never late XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
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

HIPPA Violation: collection not mine
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX  ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( account number XXXXXXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. XXXX only removed the 90 day late in XXXX. XXXX XXXX didn't do anything ... Equifax didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on XXXX XXXX and Equifax. The delinquency was not my doing.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at LVNV FUNDING LLC on XX/XX/XXXX under the XXXX account number. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Student loan

I asked fedloan servicing to recount the number of eligible payments toward PSLF in XX/XX/2018, as their statement seemed incorrect, and they told me it was probably because some payments went into paid ahead status and that the recount would take 6 months. Now when I call ( XXXX, XXXX ) they say it hasn't been done and can not give me an estimate how long it will take.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX and was advised this account was opened in my name in XXXX. Not only that this account was fraud but the credit bureaus is reporting wrong opened date. I will sue the credit bureaus if they don't remove this account
Product: Credit card

declined application for CITI credit card XX/XX/2015..Application ID XXXX. I only recv XXXX. I Only use 3 % of available credit. I have credit score XXXX. I have 100 % on-time pymts. I 've had high bal of & gt ; XXXX $ with a current XXXX balance on a few accts. Cons ; ONLY XXXX YR XXXX. XXXX THAN 2YRS rebuilding credit since Divorce. Please Help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXXXXXX Have 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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX  XXXX XXXX Balance : {$23.00} XXXX  XXXX XXXX XXXX : {$25.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX ASST # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX OF XXXX # XXXX, XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES ON XXXX ACCOUNT : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX REMOVE DELETE UNAUTHORIZED INQUIRES I NEVER APPLIED FOR CREDIT
Product: Mortgage

My home mortgage is serviced by Wells Fargo. My loan was originated by Wells Fargo in XX/XX/XXXX. Our monthly payment includes escrowed amounts for property taxes and insurance. On XX/XX/XXXX I received an email from my insurance provider notifying me that my insurance payment was past due ( due XX/XX/XXXX ) and to contact my mortgage servicer. At the same time I paid my insurance balance in full just in case. The XXXX XXXX XXXX website indicates the insurance is to be paid by lender and the Wells Fargo website has my complete policy information that hasn't changed for the duration of my loan. 

On XX/XX/XXXX I called Wells Fargo to request to be taken off escrow and to be refunded the escrow balance attributed to my insurance that I already paid. I was notified that the bank was in process of force-placing insurance because they said they hadn't received new policy information from XXXX XXXX. However, in a matter of minutes [ and without me having to provide any new information ], the agent on the phone was able to confirm with me that he has the updated XXXX policy information. He cancelled the forced-placed insurance policy that was in process of being placed on my account. I was never notified that Wells Fargo was missing any information or that insurance was being force-placed on my account. The agent on the phone indicated there was some " business to business '' bridge that mortgage servicers and insurance companies use to share information and this was the reason for the payment delay on Wells Fargo 's side. 

My complaint is that if this is happening to me, this is likely happening to thousands of other customers. Improperly placing " force-placed '' insurance will increase the homeowner 's monthly payments, likely causing some homeowners to miss payments and ultimately lose their home. I believe Wells Fargo has already been found guilty of these practices. I consider my matter resolved but I am concerned for the well being of other homeowners. Thank you.
Product: Debt collection

Since XX/XX/2021 Capital One has been attempting to collect a {$500.00} credit card debt from me that is not valid. Capital One has also violated my consumer rights by sharing my private information. Also i have been charged interest which is another violation of the Fair Debt Collection Practices Act. I've attached a document showing the violations committed by capital one The following violations have been done here : 15 usc 1692 ( 5 ) 15 usc 1692f ( 1 )