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

XX/XX/2022 at XXXX my friend accidentally sent me the wrong amount of {$1800.00} on VENMO, at XXXX I returned the money back to her and both the money sent to me and the money I sent back are listed in my Venmo transactions as completed. On XX/XX/2022, Venmo froze my account and removed all funds I had in the account due to a chargeback from my friends card issuer. My friend explained she didnt know the amount went BACK to her venmo balance and not her card used, she called her bank and canceled the dispute. I have tried to contact Venmo in multiple ways- phone, email, chat without resolving the issue and they have closed my account keeping it frozen. I am owed the money back from Venmo removed from my account balance which in total is over {$700.00}. They will not return the funds and will not give me any explanation or resolve the issue with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

On lease form the amount owed is exaggerated. The lease that procollect provided for payment was altered. Lease time whited out. Did not sign the copy that the company whitened out. Have copy to show the original plus the copy provided by the collection agency.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I recently experienced a troubling situation where a customer canceled a payment through Zelle after receiving the product, and my financial institution allowed this to happen. Despite providing evidence of the transaction and delivery, my bank reversed the payment and withdrew the funds from my account. I was informed that recovering the lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings suggest that Zelle has not only failed to protect consumers and merchants but has also created an environment where repeat offenders can exploit the system. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety and trust in the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

There was a period of time in my life that was very difficult to handle due to some problem. I always tried my best to get every payment to you on time. I had a few lateness education loans which I paid. I paid every thing a have {$0.00} balance. But old lateness still reporting in my credit report, and ruining credit. 

I am asking you and your company for a goodwill request to remove paid lateness from credit report. 
Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 
DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I don't know them or ever did business with them
Product: Credit reporting or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not helped with getting it back up and going.I am not sure if this is some mistake as assume it has to be. I have not been able to get help from them for months but i just remembered I could file the report on here as i feel they are not doing thier job properly and it is affecting me a great deal as i used paypal quite frequently my email linked to my paypal is XXXX XXXX
Product: Mortgage

I applied for HAMP loan modification XX/XX/XXXX. As of XX/XX/XXXX, I still have no decision regarding the modification. In fact, my application is n't even considered complete, as they are once again requesting another new document. I have been very timely returning their requested info, but SPS keeps asking for new Docs. each of these new requests for documentation is to support other previously submitted documents which support the information I provided on my application. The different requests I believe are not informational, but rather a delaying tactic. More frustrating is the fact that I have been told half a dozen times that the underwriters have what they need to make a decision, only to have them request another more obscure document. Dealing with customer service reps has been troubling since it is a different representative every time, so I 've had to answer the same questions over again and again, months apart, and the information they often ask for was included on the initial application. I do not feel this company is operating honestly or competently.
Product: Money transfer, virtual currency, or money service

I send funds with zelle and client claims they never receive I call the bank and they COULD NOT RETURN MY FUNDS BACK
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Employers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I signed a contract with XXXX XXXX XXXX on XX/XX/XXXX. The contract was for 36 months and it was checked with a NON-RENEWAL AGREEMENT. After the 3 years, in XX/XX/XXXX, I was done with the gym and thought that was the end of it. But XXXX XXXX   XXXX wanted to keep charging me alleging that it was a 48 month contract. After sending evidence proving them wrong they stopped calling to harrass me. But 2 years later, in XXXX, I got harassing calls from Genesys Recovery debt collector. I explained to them that they were mistaken and that my case had been resolved and that I paid my 3 years as stated in the contract. But they kept on harassing me over the phone and never gave me written notifications that I demanded from them so that I could see what prove they had that I owed XXXX XXXX   XXXX any money. They stopped calling again after I sent a copy of my contract, again, to XXXX XXXX XXXX. On XXXX I began to get calls, once again, from Genesys Recovery employees. The last call I got was on XX/XX/XXXX, it was from a men stating that he was and employee from the Department Of Justice saying that I had been sued by Genesys Recovery for breach of contract. It was very strange that this person called me on a Saturday from a cellphone and didn't give me his name. I thought to myself that this wasn't the correct procedure to inform a lawsuit. When the men asked me my postal address I hanged up because it became obvious it was a scam. I called the Department of Justice on XX/XX/XXXX to inform them of this situation, that someone was impersonating a public government employee and they also verified that it was all lie and that there wasnt any lawsuit against me. The lady told me a government official would never call anyone to inform a lawsuit. I hope others can benefit from my experience and that the CFPB can help in this matter.
Product: Debt collection

I have Tried multiple times to dispute this collection since XX/XX/2022. With the credit reporting agencies and the debt collector directly. 

Delivery Financial ServiceXXXX XXXX This company has failed to violate the debt which is a violation of 15 usc 1692g The open date on my consumer report is incorrect. The date of service does not match the open date on my consumer report which violates 15 usc 1692e false representations.

They have failed as a furnisher to provide account level documentation which violates 15 usc 1681s-2b of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy ( XXXX ) listed on my credit report. It XXXX belong to somebody else with the same name as me and is on my report in error, I am not sure. I have attempted to fix this issue with the XXXX bureaus, though unsuccessfully. I have sent monthly dispute letters via certified mail. All three bureaus claim the XXXX was " verified as accurate ''. Equifax stated they verified the account through third party XXXX. This is not possible because I have confirmation from XXXX that my account has a security freeze placed so they are not providing info to anyone regarding my account AND they sent me a letter confirming they removed the listed XXXX in compliance with the Fair Credit reporting Act ( attached ). This proves that Equifax did not verify through XXXX. XXXX stated they verified the account as accurate through " the company that reported the bankruptcy ''. They did not provide info regarding who reported this error. I did contact the Court that XXXX listed and they stated they did not report it nor did they verify it as accurate. XXXX stated they verified it as accurate and provided no further information. XXXX also states on its website that it verifies XXXX using XXXX. At this point I am at a loss as to where or who I need to contact to have this very harmful error fixed
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Debt collection

On XX/XX/2016 I had opened a credit card account which a balance of {$1000.00}. At the time I opened the account I was XXXX  years old and didnt know anything about credit. I now have a newborn son and need to fix my credit. I would like to fix my mistakes and try my best to get the negative mark off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experians fraud dispute department on XX/XX/2021, around XXXX XXXX PDT. I spoke with a male agent named XXXX in the fraud dispute department located in XXXX XXXX. After I was fully authenticated, XXXX asked what I wanted to dispute. I told the XXXX I want to dispute two ( 2 ) hard inquiries because Im the victim of identity theft. XXXX then did an improper hold/transfer procedure. He transferred me to a different department without explaining why. I did not consent to being placed on hold nor to be transferred. He interrupted me with the transfer process. 
Then I was transferred to the membership resolution department for consumers who have a premium membership, however, I recently canceled my membership and do not want a resolution fraud specialist because they require a specialist to call me back in 24-48 hours. Why would I want to wait 24-48 hours to speak with a resolution specialist when I was ALREADY speaking with XXXX in the fraud department to file a dispute regarding two hard inquiries. The length of time to dispute two hard inquiries with XXXX would have been only a few minutes. I then called back and spoke to the fraud department and filed my disputes. I should not have to be required to call back to file a simple dispute a second time. This is unfair and abusive practices.
Product: Student loan

On XX/XX/XXXX I submitted an Income Driven Payment Plan request to Navient. I am self employed and my incomes has been affected by the Covid 19 Pandemic. I submitted additional income documentation and it was initially rejected due to lack of signature. On XX/XX/XXXX I submitted a second document with my signature and a statement of taxable income along with a bank statement with deposits dating from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I was alerted my monthly payments were to be set at the maximum for the Income Driven Repayment plan. On XX/XX/XXXX my signed statement along with bank deposits were rejected. I immediately resubmitted the documentation with further clarification on XX/XX/XXXX. I have not received any guidance on how to resolve this issue. I contacted customer service on XX/XX/XXXX and was not given any information to resolve the issue. The only option I have been offered is to apply for a 12 month Partial Hardship Period. My income has gone down in the area of {$20000.00} compared to the XXXX Tax return submitted for my income driven repayment plan and have not been given any guidance to further prove my circumstances. I am a single member LLC and have made that clear in my income statement to them.
Product: Checking or savings account

Santander Bank closed my checking account on XX/XX/XXXX without offering any explanation and any warning. The bank only posted a letter in my account online ( attachment, page 1 ) on XX/XX/XXXX indicating that " we have processed your request to close your account. '' However, I never requested to close the account and I did not even receive an email indicating that the letter was posted. When I called the bank, the representative could not explain why the bank closed the account and only mentioned that the bank has the right to close the clients ' accounts anytime and supposedly the bank sent me a letter a month in advance. 

The bank mailed me a letter on XX/XX/XXXX, although dated XX/XX/XXXX and without any electronic record ( attachment, pages 2 ), indicating that " we reserve the right to close any account at any time, and for any reason. As a result, we have made a decision to close your account ( s ) '' ( attachment, page 3 ). I also received a similar letter ( attachment, page 4 ) dated on XX/XX/XXXX, indicating that " Santander Bank has made the decision to close your account. '' These letters contradict the ( original letter page 1 ) and they seem to be created by the bank to give the impression that the bank already alerted me. 

My complaint is that the bank closed the account arbitrarily without any previous warning during the XXXX break, and this originated a very difficult situation. I was traveling abroad for the holidays and could not get to the USA until the beginning of XXXX. In the meantime, all my payments were not accepted and I had to pay several fines as I could not move my accounts to another bank on time. Additionally, the moment that the bank closed the account, I lost an interest rate discount on my HELOC account which had a credit limit of {$710000.00}. Hence, I had to pay a higher interest rate ( 0.26 % ), and closed my HELOC account paying an early termination fee of {$450.00}, a satisfaction fee of {$53.00} ( I do not know what this is ), and two fax fees of $ XXXX/each ( attachment, pages 5 and 6 ). As the additional interests that I paid for 4 months until I closed the HELOC account was {$610.00} and the total fees were {$500.00}, the total financial effect was {$1100.00}. 

I was able to get a new mortgage for my home with XXXX XXXX XXXX, so my credit scores were very good ( >740 ). Additionally, the XXXX report did not show any irregular situation for my wife and me, and I justified large movements of my account with my branch manager. So, there was not an apparent reason to close the account. The only possible reason is a retaliation of the bank because I filed a report with CFPB on XX/XX/XXXX for charging me an unjustified flood insurance fee.
Product: Debt collection

I never recieved this bill could be it was never forwarded to my new address. But if this is a medical bill it should have been covered by my insurance.
Product: Debt collection

Dear Experian, I am writing to formally dispute a series of unauthorized hard inquiries that have appeared on my credit report. My personal information was exposed in a data breach, and I am a victim of identity theft. As a result, there are XXXX unauthorized inquiries on my credit report that I did not initiate or authorize. These hard inquiries are negatively impacting my credit score and should be immediately removed. The inquiries in question include but are not limited to :
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on ( Date ) and notice there were hard inquiries that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I have already reached out the the credit bureaus about this multiple times and they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that do not have any purpose to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2016, I deposited a check into my Bank of America account that returned as being counterfeit. At the time, I had signed up for a secret shopping job assignment. The check was mailed to me to use for the purchases I would be making. I didnt know the check was counterfeit if so I would have never deposited into my account. I have attached the email correspondence from the person I was working with regarding the assignment. I am writing Bank of America to request that the negative reporting be removed from XXXX ( XXXX   XXXX XXXX ) and XXXX. I've spoken to several different departments within Bank of America. I was referred to send a letter with the email proof showing this wasnt intentional to have it removed. I am in the process of trying to get a mortgage through a bank, and this issue is preventing me from doing so. I would greatly appreciate it if you would please remove the adverse reports from both XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I received a credit report from XXXX and transunion stating verified of inaccurate accounts still being reported on my file. I received a summary of credit scores from XXXX. 
They all failed to send me a copy of a signed contract I have requested the have violated my rights as a consumer. 
I am asking it be removed from my credit file
Product: Credit card or prepaid card

I open a credit card with XXXX XX/XX/XXXX I was late in XX/XX/XXXX due to financial hardship due to job loss I have tried to get them to remove late payments since I have been current with them since XX/XX/XXXX they have refuses to do that stated they can not remove them from credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX 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 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 or 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 or other personal consumer reports

There's a few accounts that aren't accurate and Im not getting my accurate credit score and I would for you to remove them asap! It's getting in the way of my young life. And I can't do things freely and sigh up for things! 
It's not ok for you guys to disregard/ignore disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a credit application on XXXX, authorizing XXXX XXXX XXXX of XXXX, NC to pull my credit report. 

They, in turn, authorized 10 other creditors to pull my credit report without my knowledge or consent, which resulted in 17 hard inquiries on my credit report on two separate days, XX/XX/XXXX and XX/XX/XXXX. By doing this, my credit score dropped 27-33 points and also prevented me from getting credit from other creditors, stating I had way too many inquiries. 

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 I was also contacted by a financial person at their sister dealership and was told I also needed to do a credit application on their site, XXXX. This caused another inquiry on my credit on XX/XX/XXXX On XX/XX/XXXX I sent letters to XXXX, Equifax, and XXXX  to open a dispute. They all basically responded the same, saying I needed to contact the individual creditors directly. 

On XX/XX/XXXX I sent letters to all of the creditors and they all basically said the same thing, that they received permission to run my credit from these dealerships, XXXX XXXX XXXX of XXXX, NC and/or XXXX XXXX XXXX XXXX NC. 

On XX/XX/XXXX I had a demand letter drafted and sent to both dealerships by a law firm demanding them to contact the three credit reporting agencies immediately and have these hard inquiries removed. There was no response. 

On XX/XX/XXXX I submitted a complaint to both dealerships to the CFPB. According to CFPB, the company responded that they are not the appropriate company to address your issue.