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

Im still unable to fully use my Venmo account as it is intended to be used. I attempted to add money to my Venmo account yet again. I was not allowed to do an instant transfer from my debit card which is associated with the verified bank account on my Venmo account. Although, I was able to add money to my verified bank account which finally deposited into my Venmo account days later on XX/XX/30 as youll see in the attached PDF. When I tried to add money into my Venmo account with my debit card again, I did a screen recording where youll see in the attached video that I wasnt allowed to do the instant transfer even though I should be able to. I attached a PDF with the email that I sent to the Venmo/PayPal executives XXXX XXXX regarding this update. 

To view the more documentation pertaining to XXXX crime ring interfering with my Venmo account, visit : XXXX XXXX XXXXXXXX XXXX venmo
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX FKA XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX My name is : XXXX XXXX XXXX - DOB : XXXX SS # : XXXX My current and only address is : XXXX XXXX XXXX XXXX , XXXX , OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX   XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX All other telephone numbers are not accurate. Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX My current employer is : XXXX  :
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus still have incorrect information on my credit report past the legal 30 days they have to remove false or incorrect information they can not prove. I have never been late on a student loan in my life and there fact that all the good standing loans with the same dates as the derogatory listings that was consolidated in XXXX are still showing on my report is insane to me considering I have disputed this information several times yet due to them having my account mixed with so much false information which makes it unable to b authenticated via internet or phone automated system, and in some cased by their own agents depending on how they pull up my account, the knowledge of the representative or the agents willingness to correctly handle my account. All of my XXXX XXXX XXXX XXXX have been paid on time and consolidated yet since XXXX up to today which is over 7 years they have been knowingly and falsely listing false information on my report. There is no way my loans can be consolidated XXXX and always in good standing from XXXX until that date yet in XXXX I have multiple listings of delinquencies and accounts open in XXXX when all of those loans despite being opened at different times are all handled at the same time when it comes to my consolidation and payment history so how it is that despite it being evident both things can't be true they are still falsely reporting this information and will not provide me with written proof of how this information was verified despite it being contradicting. To make matters worse all the delinquent accounts are showing as still open when all of my loans were consolidated and it's past 7 years and they are still on my report which is also against the law. I have been trying to correct this issue with them since XXXX and they refuse to abide by the law. Back then I did not have time to look up the laws or even know where to look them up. Most of the times laws are abused by those who are in place to enforce them so it doesn't surprise me these agencies are allowed to get away with this. They cause people to have higher interest rates, get denied for business opportunities, not qualify for things they may need, look uncredited worthy all be cause they chose to outsource to foreigners who do not know the American Legal system, can barely understand the account holder or comprehend what the person is stating due to cultural differences. How is that even legal, they have staff who aren't even qualified to manage consumer accounts due to lack of knowledge of American Laws and processes, so these things just stay on a consumers report while these agencies get paid for reporting negatively despite knowing the information is false and the consumer gets screwed for years with no restitution for what has been done to them.
Product: Checking or savings account

XXXX XXXX XXXX XXXX I have my direct deposit going there from my job which every other payday there is a deduction from my money due to a overdraft protection fee whice I do not have overdraft protection I spoke with a manager there at the bank about my concerns of the matter of funds being deducted from account problem was fixed so I thought it happened again overdraft fee due to excepting payment to go thru from these companies and deducted from my account not reimbursed I called the fraud department and they canceled my card was supposed to receive another card never did I had to go into the bank I went to a auto store whice name I will not say I proceeded to purchase items with my debit card thinking my direct deposit money was in there from work which transaction was denied due to payment was not available the cashier tells me that I have XXXX $ in my account by looking at his screen then I asked him how do u know my balance is XXXX $ in my account he turns his computer around lets me see whice there was my personal information of my account exposed on the screen I said no way so I proceeded to pay cash
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX  XXXX XXXX
Product: Debt collection

While checking my credit reports, I noticed an account that was resolved with a creditor ( XXXX ), is reporting a balance that should not have been sent to collections. A XXXX agent stated that in order for me to renew my insurance I needed to pay a balance that was owed to them. Which I did. They also told me that the balance will not report to the credit reporting agencies and it has. Caine & Weiner should not be reporting a debt that was paid, and closed, as collections on my credit report. It is being reported as such to all three credit bureaus. 

As of XX/XX/2023, Caine & Weiner is still reporting this account in the amount of {$460.00} as collections. How is this a collections account when the debt has been paid and the account is closed?
Product: Debt collection

Collections need to be removed from my credit profile score ...   CBE group,  XXXX  collection
Product: Bank account or service

On XXXX/XXXX/2016 I had {$7.00} in my account when I was out and about and did not write a transaction correctly so I believed I had {$7.00} in my account. I went to purchase a meal for {$6.00} and I went to the XXXX store to get something printed for {$.00} and I did not check my account till the next day since I believed I was fine, I come to find out that not only was I hit with an overdraft protection transfer fee for a service I opted out but it was a transfer of {$.00} and then they charged me XXXX NSF 's. I went to the branch and they refunded the fee and refused to refund me the XXXX NSF fees because they can only refund fee 's as a courtesy even if its a bank error. So they told me they can file a complaint for me or I can sue but I wo n't be getting my money back. That was today and they refuse to fix the mistake as advised by the financial services specialist.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 PayPal - negative {$8100.00} XX/XX/2020 Transfer P PayPal - negative {$8100.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$8100.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$8100.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.
Product: Credit reporting, credit repair services, or other personal consumer reports

some body stole my information and opened credit card at home depot. He/She had been using that account since XXXX 2019 with the charge {$3300.00}. The clerk supposed to check customer ID when they purchase large amount with credit card. However, they skipped the step and let the thief sign the signature even not my signature for a few times. One week ago, the Home Depot company sent a notices mail that the problem has already investigated so I closed my account immediately to avoid trouble. However, I got another mail today from Home Depot about they could raise up the interest of the balance if I would not pay in full. I have tried to re-contact Home Depot but they had no idea and they asked me to wait for during the investigation time. is it any way or what i can do to solve my problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in to Equifax today XX/XX/2021 at XXXX and XXXX and requested to delete accounts that Ive been disputing last month XXXX and XXXX and the both representatives refused to comply with the 15 USC 1681n and I was hung up on both times while being transferred to a supervisor. I was also told that they cant honor my request and remove the accounts because they have guidelines other than following the federal credit reporting act. I have a right to exclude any account associated with a credit transaction and they refuse to comply. I asked that the accounts be deleted immediately and they refused. Im sick and tired of Equifax lying about the validation of accounts because they never spoke to any of my neighbors, family members regarding my reputation or credit. Only o can validate pursuant to 15 USC 1692g. I am the original creditor and I called to ask that those accounts be deleted immediately and did not comply.

I am requesting that the CEO of the company send an affidavit of truth that a verification of accounts with neighbors and family were validated to conclude that the reporting from the creditors were valid. You continue to lie and you will be fined!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get my free credit report from Equifax. Not only this year but last year too. 

I'm thinking it's because of them my credit was compromised and several cards were opened charge up and my account was sent to collections. 

My credit is over 800 with the other companies like XXXX XXXX but with them they are making my life very hard for no reason. 

Why don't you as our rep. kick them out ... .I want a copy of what they are hiding from me.
Product: Credit card or prepaid card

Sallie Mae failed to provide an explanation and documentation regarding the dispute decision. 
According to the Federal Trade Commission, the following applies : If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money. I am once again asking Sallie Mae to provide an explanation and validate the debt as the reported amount to the credit bureau is incorrect since I don't owe the two charges for {$640.00} and {$590.00}. 
Sallie Mae in their previous response to my complaint stated that the services were provided, I suggest that Sallie Mae reviews guidelines for Quality of goods and services as follows : Disputes about the quality of goods and services are not " billing errors, '' so the dispute procedure doesnt apply. However, if you have a problem with goods or services you paid for with a credit or charge card, you can take the same legal actions against the card issuer as you can take under state law against the seller. 
To take advantage of this protection, you must have made the purchase ( it must be for more than {$50.00} ) in your home state or within 100 miles of your current billing address and make a good faith effort to resolve the dispute with the seller first. 
. 
Since my canine suffered thermal injuries after the spay XXXX the services were not provided as agreed and I already tried in a good faith to resolve the issue with the merchant as stated previously, Sallie Mae is responsible for reversing the charges. 
Sallie Mae 's Advocate XXXX XXXX ID XXXX XXXX stated that I must provide a decision from the XXXX XXXX XXXX to finalize the dispute. The letter will be provided once a decision is available in writing. I do not consider the dispute to be closed and Sallie Mae should accept liability for any damages as they failed to investigate and resolve the dispute. 
Sallie Mae restricted my account unlawfully after I disputed the two charges and then demanded that I pay one of the charges in full despite the fact that I applied for a card with 0 % introductory APR on Purchases and Balance Transfer for 15 months, provide them with the three months bank statement and a copy of my ID. They also rejected my dispute before receiving the supporting documents. Now Sallie Mae also violates terms and conditions regarding the {$200.00} welcome bonus, stating that I am not entitled to it. 
Please refer to the attachments also from previous complaints against Sallie Mae
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} & XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$86.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, SC XXXX My name to : XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has submitted false information to all three credit bureaus under my name. I have contacted XXXX XXXX numerous times to discuss these accounts that were marked as late payments. Not one of 4 agents could locate any account in my name or by my social security number. There are 2 accounts in question on my report. Both accounts are from XXXX XXXX. XXXX reports an account # XXXX with 24 on time payments and 1 late payment. Credit limit {$18000.00} and with an opening date of XX/XX/09 of the account. 

Transunion also has a XXXX XXXX account on my credit report. This account # XXXX states 47 on time payments and 1 late payment. Also with a {$18000.00} credit line and also opened in XX/XX/09. 

Equifax also had a XXXX XXXX account on my credit report Acct # XXXX. This states 0 on time payments and 1 late payment. Also an {$18000.00} credit limit and also opened XX/XX/09. 

I have requested statements for these accounts because I have never has a XXXX XXXX account. XXXX XXXX has not yet been able to furnish any information to me because they have no information on these accounts In the system. 

Due to the lack of response to this matter, I have been unable to obtain a mortgage because of XXXX XXXX XXXX lack of response to my request for information and for falsely reporting inaccurate information on my credit report. I have attached screenshots from all three credit bureaus that appear on my credit report.
Product: Credit reporting or other personal consumer reports

Experian committed unfair acts or practice in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of the furnishers unreliability
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject to XXXX XXXX scheme by ex-husband, his wife and and others he associates with. 

Cell phone is ported and communication is restricted. 

Identity theft Attached fraudulent emails ; noticed duplicate texts and emails. 

Utilizing dark web account to keep auto/property policy in effect and intend to profit from life insurance policy. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im disputing unauthorized inquiries on my credit report under 15 USC 1681c-2. This incorrect data is damaging my credit score. Kindly have them removed.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights.

I am disputing the following negative items, which I strongly believe may be linked to a data breach : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX said company is providing personal information from nearly 15 years ago and using the courts as a scapegoat for the background check. Courts are courts but this company is not a government entity and its providing information from as early as XXXX to new companies and they see no problem with it. 

After chatting with a person about the matter of providing inaccurate information partly because I moved to a different county, and the new county re-filed a case with a new start date but the reporting company doesn't understand its part of the same issue from nearly 15 years ago. Personal data is just that, personal and its not permitted to share items that are old and out of date.
Product: Mortgage

On XX/XX/XXXX, we received notification that Mr Cooper will be servicing our mortgage. Our mortgage payment includes payments for property taxes and insurance which were kept in escrow. On XX/XX/XXXX we received a letter dated XX/XX/XXXX, from our insurance company that our insurance lapsed for non payment. To reinstate our insurance on our home, our insurance rate was increased. 
We called Mr Cooper to asked why our insurance was not paid, when the insurance was to be paid from the escrow account which had a balance more than enough to cover our insurance payment. Was informed by someone in the insurance department that they were not responsible for our insurance payment but were only doing us a favor. Reminded the representative of Mr Cooper that our payment included the property taxes and insurance before Mr Cooper assumed servicing of our home loan. The response was that Mr Cooper had not received a bill from the insurance company and they can not do anything about payment if they had not received a bill. Mr Cooper sent no communication to us or the insurance company they had on file, about the payment that was due on XX/XX/XXXX for continued insurance coverage. 
Asked to have insurance payments removed from escrow, so that we would pay our insurance since Mr Cooper was too incompetent to ensure that our insurance was paid timely, and was told that we would have to first pay the insurance, send a declaration page to Mr Cooper, who will then determine if we qualify to have the insurance payments removed from escrow and may have to pay for any penalties that may arise from removing the insurance payment. I informed that representative that Mr Cooper already had our monies and had failed to keep up their end of the agreement. Mr Cooper was burdening us to find extra cash to pay our insurance. 
On XX/XX/XXXX, we received a letter date XX/XX/XXXX from Mr Cooper informing us that they plan to buy hazard insurance on our property which may be more expensive that what we can purchase and that we have to reimburse them for the insurance they bought. This is added burden to home owners by mortgage servicing companies like Mr Cooper and frankly smells like a scam to defraud vulnerable home owners. Our service agreement included paying for mortgage, property taxes and insurance, the extra payment being kept in escrow, Mr Cooper failed to keep their end of the agreement and now wants to further victimize us by having us pay for their incompetence. 
Mr Cooper should cover the cost of their own incompetence if they paid hazard insurance and they should cover the cost of increase insurance which we have incurred.