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

On XX/XX/year>2024 : I added {$230.00} to my cashapp account from debit card connect to my cashapp. I then wanted to add the funds to another debit card, but that morning when I tried the cashapp said failed. I clicked on my profile to contact cashapp chat support. I waited for an agent to contact me back. When agent contacted me, I then verified my account and self, then asked what was wrong with my account, and why was I unable to use my cashapp account and that I just less than XXXX minutes ago had added funds to my cashapp account. The agent said to give them a few minutes to review my account and would be right back. The agent came back and said the following to me ( I'll reach out directly to our specialty team so they can help you with this. What's a good email address to reach you at? ) I provided my email address to the agent. The agent stated their name as XXXX. The time was XXXX ( EST ). I waited until XXXX, and had received no email or nothing, so I reached back out by chat again. This time at XXXX, the chat support told me to contact by phone at ( XXXX ) XXXX and this time, the guy I spoke to, told me he could not see what was wrong with my account, but that he would send my information over to another department that would contact me to assist me with resolving and getting my account back to normal. I have contacted cashapp, every day since XX/XX/year>2024 and today is XX/XX/year>2024 and I have received no email and nor have my cashapp account being working. I still have no reason as to why I can not use my cashapp account and still can not withdraw the funds that are still sitting in the account.
Product: Debt collection

Someone used my Social to set up a utilities accounts with XXXX XXXX for a residence in XXXX XXXX. The name on the account was XXXX XXXX. My name is XXXX XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I have never lived in XXXX XXXX, Texas. I do no know anyone that lives or has lived at that address. I contacted XXXX when I originally received the bill. They told me to file a police report or FTC claim. I did. They still sent the claim to collections. The reference # I received form credit systems international is XXXX.
Product: Checking or savings account

Dear Consumer Financial Bureau, I am writing to formally report an unjust deactivation of my Venmo account. Venmo has cited that the reason for my account deactivation is due to the number of disputes I have filed. However, I find this reasoning flawed, as each dispute I filed followed the proper process and required submission of valid documentation. Furthermore, these disputes were reviewed by Venmo 's Account Specialist team, as per their established protocol. 

Filing disputes is not a violation of Venmos User Agreement or its Payment Protection Program. The process requires valid documentation and a thorough investigation, and disputes lacking sufficient evidence are denied. I am confused as to how simply exercising my right to file legitimate disputesespecially when buyer issues are often unavoidablecan be considered a violation.

The merchant I had ongoing issues with continued to cause problems over several months, and it would be unreasonable to expect me to ignore these legitimate issues. Venmos actions seem to imply that I should have let these issues persist, and now they have deactivated my account as a result. I believe this decision was made by their automated systems without considering the context or the validity of the disputes I filed. 

I would appreciate your assistance in having my account reinstated, as I believe this deactivation is not only unjust but goes against Venmos own policies regarding disputes and buyer protection. 

Thank you for your time and support.
Product: Checking or savings account

A {$21000.00} check from an agency we did business with is on hold and Bank of America is taking forever to get it verified and remove the fraud lock on my savings account. Initial problem with the mobile deposit is that the check was made out to my XXXX, XXXX XXXX, which wasnt on my checking account. I called BofA about the reversal of the check, which they stated I needed to go into a branch to add a XXXX. I went to a branch to add the XXXX with a small business advisor, who told me that my XXXX was already on file with my savings account and not my checking. So all I needed to do to avoid the issue was to deposit to my savings. She wrote out a deposit slip and had me go to a business teller to deposit the check. The check was available last Friday on XX/XX/XXXX morning time. I went to transfer the money to checking and start paying vendors, I found out my account was locked for fraud. I didnt receive any notice it was done the previous Thursday until later Friday evening. I called numerous times to escalate and find out why it was blocked. It took a manager to escalate and receive a callback from the analyst. They stated they needed to verify the check amount with the original agency who wrote it. I gave them phone numbers to contacts at the agency as I was unable to provide the direct number to their CEO which is XXXX. Analyst waited until late in the day to callback and try to verify, it went a whole weekend without any activity or access to funds. Fast forward to today, the account is still locked and no callback or release of funds. Im super late on payments to staff and vendors, the bank steadily gives canned messages about me waiting for the investigation. BofA is unnecessarily holding onto a check that has already cleared and shown as available in the savings account. My account is still locked from transactions and now its at an unacceptable point. I cant get any assistance to get this lock cleared which shouldnt exist in the first place. I received a credit card payment of XXXX about a week prior via Stripe from the same client. The other XXXX check was the other half of the retainer due upon receipt. I need the government help to step in and take action as Bank of America is up to shady practices that shouldnt be taken lightly. They have crippled my business and hold no remorse in the time sensitivity.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a dispute with TransUnion regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted TransUnion regarding discrepancies in my credit report, and to date, I have not received a response. I am seeking your assistance in resolving this matter promptly. 
The inaccuracies in question pertain to the following accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} I request that TransUnion verifies the information related to this account, specifically the reported balance. I am uncertain about the accuracy of the reported balance of {$5900.00}, as it seems unusually high, and I do not recall owing such an amount. The account has been presented as closed and charged-off, and, as such, the Past Due amount should not be reported. I am in the process of clarifying this matter with the creditor and request that TransUnion marks this account as disputed to prevent any further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} XXXX require verification of the information related to the account identified as XXXX XXXX. The reported balance of {$4200.00} is disputed, as I believe it should be a lower amount. Furthermore, the Past Due amount should not be reported, as the account is closed and charged-off. I request that TransUnion marks this account as disputed while I work to resolve the dispute with the creditor. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


XXXX  Date Opened : XX/XX/XXXX Balance : {$310.00} The account identified as XXXX  is not mine. I request that TransUnion promptly removes this account from my credit report.
Product: Checking or savings account

while living XXXX XXXX XXXX XXXX  I XXXX XXXX open a US bank Checking account in XXXX and I relocated to XXXX  in XXXX where there are no US Banks. On XXXX I called and requested that my checking account be closed and the representative stated that the remaining balance of XXXX will be mailed to my current address via a cashier check. On XXXX I received a postcard from US Bank stating that I have insufficient funds. I immediately called US Bank to inquire why I owe on a closed account and the representative relayed that a transaction was presented to the account on XXXX and was paid. I was given different reasons why the transaction was paid but could not get an answer to why a transaction was paid on a closed account, but was told that someone will give me a call within 48 hours. So I have no cashier 's check or no return phone call as of yet.
Product: Student loan

My forms to have my loans forgiven were rejected by MOHELA as duplicates in XX/XX/2022, when I was requested to resend them. I resubmitted them and the forms have been sitting on the server the past five months. I was told that it would take only 60 days to re-process the forms. I have been trying to contact a customer service rep/MOHELA for clarification and have yet to hear back. Even my emails come back with a form letter with no information other than to contact them, which again gets no response.
Product: Credit reporting

XXXX, Equifax and XXXX all improperly report my XXXX credit with only a {$1000.00} credit limit when in fact it is {$4000.00}. They report the proper amount owed but do not reflect the {$4000.00} credit limit. 

Equifax improperly reports my XXXX credit limit as {$2000.00} when it is actually {$3300.00}. They are also several months behind in reporting the correct balance owed, as they show it as {$830.00} instead of {$41.00}. 

Both of these errors lower my credit score, which is important at this time as I am looking toward buying a home. 

Thank you for your assistance in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted a dispute for an item that doesnt belong on my report for over a year now, and i still have not gotten a response. cant log into their website or speak to anyone on the phone. this has gotten out of hand an their is no excuse for the neglect equifax has shown.
Product: Student loan

My student loans were bought by ACS Conduent and each time I contacted the servicer, they would steer me to forbearance. They didn't provide me with proper information regarding loan options which would be best suitable for me and gave me " the run around. '' They would often take extra time processing my paper work which kept me in forbearance longer. XXXX  XXXX   XXXX  XXXX  ( ACS ), XXXX. XXXX  XXXX, XXXX TX XXXX was my servicer from XXXX- XXXX.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Product: Debt collection

XXXX continues to call me all day every day. They have called my employer, family and friends and have shared my information. They have threatened me many times. I have blocked them and they just call from a different number. I have asked them to stop many many times. There is no reasoning with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my files re reported 3 months too long cant wait no more especially if Im paying on credit builders to report I need a special reporting I can not wait until billing statement I didnt hesitate on my end neither should they. Self lender isnt reporting an account to XXXX im on month 4 I deserve a special reporting for the inconvenience. XXXX  hasnt updated a balance in months its supposed to be {$480.00} on all 3 bureaus the only bureau thats correct is XXXX. I have put XXXX screenshots to reference what self lender is supposed to look like on all 3 bureaus. Please report a complete file to both XXXX and XXXX. I was looking to get another home soon and now I cant because my file is messed up no one should have to go through this and wait so long for it to get resolved. Ive wasted so much money buying credit reports checking to see if my accounts and payments would be report and they didnt this is very very unfair and unfortunate. Hopefully this can be resolved.
Product: Student loan

1. I was steered into forbearance when I could not make my student loan payments in 2014. I was enrolled in an income based repayment plan. The number was too high given my expenses and I was told that my only option was forbearance. I believe that I was still charged interest. 

2. I had issues with the yearly income recertification. There were times that I missed the deadline to recertify. The emails did not include deadlines, or there were no email reminders that I saw, or there was inadequate information in the emails. When I did recertify after realizing that my loan payments jumped up, I often lost months because it took the servicers a long time to approve the recertification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I was looking at my XXXX  XXXX  and noticed my old td bank card that I made a settlement with them I believe in 2018. I do not owe them {$2100.00}. 

I am looking for this to be solved and corrected. Any questions please feel free to call me.
Product: Bank account or service

I have submitted cases against Citibank previously since XX/XX/XXXX. Unfortunately Citibank continues to keep disrespecting me, causing my payments to continue, continue and continue.The closed account I 'm paying on is XXXX. 

Since I have a new computer the scanning mechanism is not working yet. Citibank lost XXXX of my fall payments XX/XX/XXXX. I faxed copies of the checks they cashed on XXXX XXXX, XXXX. To date they still have not recovered the lost check ( s ). Citibank and I had reached an agreement to settle the account in now in XXXX XXXX, but due to the lost checks that wo n't happen. 
In XXXX XXXX I had to fax the copies of the checks to the XXXX Investigation Unit. They were not found. Now I was told to contact the Office of the President of Citicorp Credit Services re : the lost XX/XX/XXXX and XXXX XXXX payments which are {$130.00}. I want them out of my life, but Citi continues to keep me dangling. Why Citibank?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act.The list includes f the accounts below has violated my federally protected consumer rights privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15. U.S.C. 1681 section 602 A. Staes I have the right to privacy.

15. U.S.C. 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an 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 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account 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 a account with my written instructions
Product: Student loan

I am having multiple loan servicers contact me by phone and mail. However none of them can find my loans anywhere in there databases. Mam, we cant find your information they will say. Call this or that company. I have called and they say the same thing. Even the XXXX department of Education said the same thing. Mam, Ive showing no record, your account was closed. No one can give me any information about my student loans. However they are negatively effecting my credit report by adding XXXX $ more than I owe. It states I owe that much more. I do not!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is being sent in response to notices sent to me from " XXXX XXXX XXXX '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be  advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I'm a victim of fraud for some reason I have 12 hard inquiries In the last 12 months that were not done by me. I have reached out multiple time to these companies and never got.a.response back. For them to remove them.
Product: Checking or savings account

Someone called in from US banks number pretending to be them. They said that someone was trying to spend {$3000.00} in XXXX services ( which i have never used before ). They asked me all the same questions US bank asks and just wanted a confirmation number to verify my identity, and with that number, they were able to take {$1800.00} out of my checking account. I called and filed 2 claims with US bank and filed a police report, but US bank refused to help me. They knew about the issue and did not tell their customers until 2 weeks later, but did not want to help those that had to go through the issue before the email was sent out. Every time I was on the phone with them, all they did was transfer me around to multiple people who could not help me. I thought my bank was supposed to help protect me and help, and this was a problem that they should have let us know about sooner, or done something to help.
Product: Credit reporting or other personal consumer reports

During a credit sweep I was notified on all 3 credit bureaus that I had a numerous account inquiries that was damaging my credit and I called to have it investigated and removed and they didnt respond or remove it I asked for all parties involved on making the decision to add this to my credit report without my knowledge also to verify how where they able to use my personal information to open this account without the proper steps taking by me which I had no knowledge of this account so under section law of the FCRA s 604 it shouldve been removed and they havent done anything to assure me theyd get it done nor have they shown any proof on how my information nor my signature or anything was involved by me because again I had no knowledge of these inquiries thats showing on my credit report
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year>2023 ) Since then the account has repeatedly been updated as charged off every month.XXXX  has a different update date compared to XXXX. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account
Product: Debt collection

Georgia Security Deposit Act ( O.C.G.A. 44-7-35 et seq. ). I Paid {$800.00} and it was not applied to the debt. 
Case # XXXX status is closed and property was awarded {$2500.00}. 
Rent Recovery Solutions is falsely reporting the amount of XXXX In Georgia, if a court-ordered arbitration results in an agreement between a tenant and an apartment complex regarding rent or other terms, both parties are generally bound by the terms of that agreement A complex, nor a debt collector can not arbitrarily increase that amount. 
This is causing me hardship and homelessness for my self and XXXX XXXX. I was a tenant from XXXX and the disputed amount was over 1 months rent which I with held due to negligence of the landlord. My issue is with both XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX the agent, and Rent Recovery Solutions fraudulently attaching negative information to my credit report and destroying my reputation.
Product: Payday loan, title loan, or personal loan

World finance has 2 loans for me reporting on my credit. I paid both last and off. I got the first loan and paid it off then I got a 2nd years later and paid that one. But it's showing on there system I owe for 2 loans that's not true at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

multiple inquiries & unauthorized XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have spoken with them already and gave them my debit information so they can deduct my payment on the XXXX of each month. They are calling me every day now, multiple times a day and leave a voicemail that they'll have to take further legal action if i don't resolve the matter because it's not going through. That's my card number, i don't know what's wrong with it.