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

On XXXX XXXX, 2022, I received the following confusing and unexpected message from Venmo : We have recently reviewed your usage of Venmo 's services, as reflected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account. 

We ask that you please remove any and all references to Venmo from your website and social media accounts. 

You may transfer the remaining account balance to your bank account but you will no longer be able to access your Venmo account. 

We thank you in advance for your cooperation. 

Sincerely, Team Venmo I wrote back on the same day that I did not understand why my account was suspended. I only use it for transactions among friends. In no way do I use it for commercial purposes. 


Later on the same day ( XXXX XXXX, 2022 ), I received the following email from " Team Venmo. '' We have received your email and will respond within 24 hours. You can always view answers to frequently asked questions in our Help Center. 

While youre waiting, how about you verify your email address if you havent already? Itll help us improve your Venmo experience. 

If you have an account related question and didn't write from the email address associated with your Venmo account, please reply with your account 's email address, phone number, the issuer of your funding source, and the last 4 digits of your card or account number. ( Example : XXXX, XXXX, XXXX XXXX. ) We look forward to helping soon. 

Your ticket number is # XXXX. If you have additional info, simply reply to this email. 


I did not feel comfortable responding to an email asking for personal information, so I did not reply. 


On Thursday, XXXX XXXX, 2022 I received the following email from a Team Venmo representative named XXXX : My name is XXXX, on behalf of Venmo. Thank you for taking the time to reach out to us. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your account, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help ensure that Venmo continues to be a safe way to make payments. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 

I apologize that we are unable to assist you further. 

Best regards, XXXXXXXX XXXX  | Venmo Support I have been unable to transfer my current balance of {$15.00}. I have written back to XXXX that I am reporting them and I would like my {$15.00} balance immediately.
Product: Credit reporting or other personal consumer reports

I requested XXXX times back in XXXX, XXXX, and XXXX of XXXX  for the inaccurate and false bankruptcy to be removed from my credit reports, and they failed to tell me where they were verifying the information and the only place they could verify was from the court itself which the court does not verify records to credit reporting agencies. Attached Document : My rights have been violated and the credit reporting agencies have violated the FCRA : According to the FCRA, they have violated 3 laws : 1. 15 U.S.C. 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy 2. 15 U.S.C. 1681b ( a ) ( 2 ) No Permissible Purpose/ No Written Instruction 3. 15 U.S.C. 1681s ( 2 ) ( a ) Furnishers Must Not Provide Information that They Know to be False and that Can not Be Verified
Product: Debt collection

Received an email from XXXX XXXX with Triton Recovery Group in regard to the defaulted cash advances with my client FAMILY BUSINESS. I explained that As I previously informed the last person who contacted me, I am unaware of any debt/ never applied for any cash advances. I am a survivor of human tracking and am currently working to rebuild my life. I have never applied for or obtained any loans through the family business, and I can not make any payments for something I did not take out or agree to. She dismissed everything I said and began harassing me. Asking about my email address, my other businesses etc. Why is that of any relevance? the fact is I did not take out any form of funding with family business, therefore I am not responsible for any debt that is fraudulent. Do you expect me not to regain control of my life email, bank account and life after being human tracked? or do you expect me to kill myself? XXXX XXXX I've noticed you have children to dismiss the fact that I have been through the worst part of my life what you did was try to victimize a victim. I asked you to cease and deist until I go through the proper Chanels as I am a citizen of the XXXX XXXX, Please file the proper paper work and take me to court. As you have overstepped. You were not trying to be of assistance you were trying to threaten and harass me.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XXXX XXXX XXXX || Date of inquiry : XX/XX/year>XXXX XXXX XXXX|| Date of inquiry : XX/XX/year>
Product: Vehicle loan or lease

I received a rejection letter from Ford Credit. The purchase/lease attempt was rejected by XXXX. I did not initiate the application for credit/purchase/lease. Someone else attempted to gain credit using my name and address. Thankfully, having my credit accounts frozen has saved me from theft. I am reporting this to assist in stopping the thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

Needed to get removed wrong names, addresses and phone numbers.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding Equifax for their failure to properly validate accounts that are being reported on credit file. Despite multiple requests, including three written communications, Equifax has failed to comply with the federal regulations under the Fair Credit Reporting Act. Specifically, I have requested that they provide a copy of the original contract bearing my signature, and proper validation of the debt including a full breakdown of the account. Despite my good-faith efforts to resolve this matter, they have been negligent in responding and I have not received the requested documentation or validation of he debt. This failure to act is a clear violation of federal law.
Product: Vehicle loan or lease

Global Lending Service XXXX XX/XX/2016 {$2300.00} This account has caused me financial ruin. this account is fraudulent, and inaccurate. Please review the debt reporting act. This is a violation.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

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

l exercise my rights as a victim to use XXXX XXXX XXXX XXXX with Equifax. I submitted a letter stated which adverse items were to be blocked, I submitted a XXXX XXXX XXXX  confirmation letter from the XXXX. I submitted my state id Under section 605C of the Fair Credit Reporting Act my items was supposed to be blocked. Equifax stated they removed the adverse items they believe should be removed and kept what they believe should be kept on my credit report.
Product: Mortgage

they lost my XX/XX/XXXX payment. I authorized them to charge my checking account for my XX/XX/XXXX payment ( XXXX.. They charged my account for two payments ( {$25000.00} ) and refused to correct their error.
Product: Payday loan, title loan, or personal loan

I received a letter from Avant informing me that I was pre-approved for a loan in an amount between : {$1000.00} and {$25000.00}. I logged into the company 's website to check my rate as instructed. When I did so, I was immediately declined without reason. Moments later I received an email titled " Notice of Adverse Action '' from Avant, informing me I was denied. Additionally, I was told to contact the Application Review Manager at XXXX XXXX Avant to request a reson for the denial. Lastly, the company informed me that they obtained my credit information from XXXX, the basis on which they made their decision. Why did Avant decline my loan request after notifying me four different times in their unsolicited letter that I was pre-approved? Why was I not informed that the loan was provided by XXXX? Why did the company run my credit report, when I was told at the outset that my credit report would not be affected?
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO ALL THE BUREAUS REGARDING THE INCORRECT INFORATION THAT DISPLAYS ON MY CREDIT REPORTS AND HAVE TRIED NUMEROUS ATTEMPTS TO HAVE THEM REMOVED AND YET NOTHING HAS BEEN DONE. ALSO THE FACT I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Equifax : Collections : 1.XXXX XXXX XXXX XXXX 2.XXXX  XXXX XXXX XXXX Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX 5.XXXX  XXXX 6.XXXX  XXXX Closed : 1.Dept of EDXXXX 2.XXXX XXXX XXXX-0XX/XX/XXXX 3.XXXX XXXX XXXX XXXX reported XX/XX/21 4.XXXX XXXX XXXX XXXX  : Closed : 1.Dept of EDXXXX 2.XXXX XXXX and XXXX XXXX : Collections : 1.XXXX XXXX XXXX 2.XXXX  XXXX Inquiries : 1.XXXX  XXXX XXXX 2. XXXX XXXX XXXX XXXX Closed : 1.Dept of EDUXXXX 2.XXXX XXXX And XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion to cancel a {$20.00} per month service for credit protection. I was told that I could obtain a freeze at service.transunion.com. I could neither create an account nor retrieve an old account at that site. I called the support number for assistance. 

In order to get a credit freeze, Transunion requires me to physically mail copies of two forms of ID. Physical mail is open to theft. By obtaining these two forms of ID, a bad actor can file for credit using my identity. Thus I have to risk public exposure of my identity in order to request a freeze.

Further, transunion has been billing for months for a credit hold. Transunion trusts me for a hold but will not trust me for a freeze. They will trust me when I pay but not for the free service. This is certainly not an honorable way to conduct business.
Product: Credit card or prepaid card

I purchased flights on my card in XX/XX/XXXX for travel in XX/XX/XXXX. XX/XX/XXXX the airline cancelled our flights and I requested a refund through them first. I never heard from the airline in 2 weeks so I decided to dispute the charges with my credit card company ( American Express ) on XX/XX/XXXX. I was told that the charges disputed would be resolved by XX/XX/XXXX. I never received any kind of update. I started calling the week before XX/XX/XXXX to look for an update. I was told I had to wait until XX/XX/XXXX. So I called back XX/XX/XXXX asking for the resolution. They told me they have no idea when it'll be resolved and to just keep waiting. I have asked to speak with supervisors and I just keep getting the same go around. No resolution. It's been 8 weeks. And they can't give me an update because they don't know how much longer it could be.
Product: Debt collection

On XX/XX/2019 I found out that I have a negative report on my credit history from a collection agency called XXXX XXXX for unpaid bill from XXXX XXXX XXXX. I contacted debt collector service, and told that I am still waiting to receive the final bill from XXXX. The representative told me that she is not with XXXX, she is a debt collector and the call is recorded for the purpose of collecting a debt on behalf of XXXX. I asked for the amount, she told me XXXX $ and I responded with : I dont know anything about the this bill, and why they reported that to my credit history without sending me any debt collection letters. I did not even had the chance to verify the debt. I was told that I can call XXXX and find out about the bill but right now, if I want my credit history cleared I should pay the balance in full. I asked if they will remove their negative report of my credit history. She replied Yes and promised '' We will update your credit history within 10 business days '' I paid off the balance immediately and now the debt collector refuses to remove their negative report. My complain is based on the fact that the debt collector used false and deceptive language which made me to falsely accept the debt in exchange for repairing my credit history. I called them several times, I spoke with their manager and still no resolution was achieved. I am asking for your assistance with this case, especially when we are ready to finally purchased our first house. This has a destructive effect on my credit history. Thank You. XXXX XXXX XXXX. P.O. Box XXXX XXXX, NC XXXX
Product: Debt collection

Southwest Credit Systems ( SCS ) first tried to collect {$330.00} on behalf of XXXX in XXXX. I spoke to an agent at SCS advising that I never had an account with XXXX and that the name as they reported was not spelled the same as mine. SCS advised me to freeze all three credit bureau accounts and to file a police report, which I did ( see attached ). My wife and I are in the process of buying a new home and the mortgage company required us to unfreeze all three reports to pull a current report. The credit reports pulled last week showed a delinquent account of {$330.00} from SCS. This resulted in a dramatic drop in my Excellent credit score rating to Fair. This impacts our mortgage financing negatively incurring higher closing costs.
Product: Debt collection

Dismissed bankruptcy in XXXX that included an account with NMAC for a XXXX XXXX XXXX. Contacted NISSAN to try to negotiate to keep the vehicle around the time of the dismissal but wasn't successful and agreed to surrender the vehicle to my local Nissan dealership. Was told they would contact me once they had possession of the vehicle. After a few weeks, didn't hear from them, reached back out and was told they didn't know the vehicle had been surrendered and once they have possession, they would reach out with balances, redemption amount, etc. As of XX/XX/XXXX - nothing and I assume the vehicle has been sold now as I have an entry on my credit report for {$15000.00} owed to NMAC. This is really hurting my ability to obtain anything. According to Alabama Law, I was to receive an opportunity to redeem the vehicle and/or a post-surrender notice, none of which I have received. I have contacted NMAC via a demand letter.
Product: Debt collection

- There was a XXXX ( utility ) account set up in my name in XXXX for an apartment unit in XXXX XXXX, XXXX. 

- I never moved into this apartment -- see proof attached - XXXX never notifies me that there is a charge on my account, for roughly {$73.00}. I do not know about this account until XXXX when my wife and I have our credit checked to purchase a new home in XXXX, XXXX  - For context, I was a XXXX customer for another address from XXXX - XXXX and XXXX never reached out once to notify me of any outstanding charge. 

- I've reached out to XXXX in order to ask them why they never notified me, even as an existing customer, to notify me of this account with an outstanding balance and I was simply told that " it was not their responsibility '' - I've even asked them to remove the collections account from the credit bureaus if I pay the debt and they refuse to do so, despite this collections account negatively impacting my credit score to the point that my family may not be able to purchase our new home
Product: Debt collection

The company did not answer my question as to how is this account is mine. I asked where did they get my information and why did they put it on my credit report. I stated I have never heard of them and that I don't know anything about the debt they told me I had to pay it and them they hung up on me. the company is AFNI a debt collector. that refuse to give me answers
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and incomplete information on my credit report as required by the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XXXX XXXX XXXX I have identified numerous inaccuracies and items that do not belong to me. I request that these items be investigated and either corrected or removed promptly, as required under Section 611 of the FCRA.

Under the FCRA, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, per 15 USC 1681s-2, information providers are prohibited from furnishing data to consumer reporting agencies that they know, or have reasonable cause to believe, is inaccurate. I am, therefore, disputing the following accounts as they are either incomplete, inaccurate, or not mine : XXXX XXXX XXXX Accounts in Dispute XXXX XXXX XXXX XXXX Account Numbers XXXX XXXX XXXX XXXX XXXX  These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX XXXX Account Numbers XXXX XXXX XXXX XXXX  - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX XXXX Account Numbers XXXX XXXX XXXX XXXX  - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX XXXX Accounts Not Belonging to Me : XXXX XXXX Account Numbers XXXX XXXX XXXX XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX Account Numbers XXXX XXXX XXXX XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX XXXX Account Number XXXX XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX XXXX Account Number XXXX XXXX XXXX These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX XXXX Account Number XXXX XXXX  - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX Account Number XXXX XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX XXXX Account Numbers XXXX XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX XXXX Account Number XXXX XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine. Please remove them from my report. 

Please promptly investigate these inaccuracies and provide me with a written response detailing the results of your investigation. I also request that you send me an updated copy of my credit report once these items have been corrected or removed. 

Thank you for your prompt attention to this matter.
Product: Mortgage

After Amerihome Mortgage Company LLC failed to contact me about the status of my property tax payments for 2016, I contacted the company customer support line. I received information that my local and county property taxes had been paid to the amount of {$1200.00} and {$640.00} in early XX/XX/XXXX. However, my mortgage payments for the year ... the part included as escrow to cover my estimated tax payments, exceeded this taxable amount. The total was {$3300.00} so I am due a refund, was assured that the Tax Department was working on my case and that they would issue a refund check. 
AmeriHome has not attempted to contact me, other than to send the monthly billing statements so I contacted the customer support line once again. I was told by customer support that that my situation had not been reviewed and that I would need to wait for this review process to take place before receiving my due refund. I asked to speak to a manager or supervisor, was put on hold for 5 minutes and then I was disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknow account that is being reporting on my credit report. 
XX/XX/XXXX Account # XXXX I have filed a FTC report also on XX/XX/2021 and this account still remains on my credit report. I feel as if I am being taken advantage of and being ignored with this dispute. This is defamation of character reporting inaccurate information on my credit report. I demand this account be remove immediately from my credit report. My information was also impacted by the XXXX data breach and may have gotten into the wrongs hands of another person.
Product: Mortgage

Citi XXXX XXXX XXXX XXXX is marketing actively and commented on other banks interest rate in a XXXX group of XXXX audience, I attach the print-screen. 
1st with Citi title in social media, who authorized her to speak on behalf of Citi and comment on other banks interest rate, exposed Citi to endless lawsuit risk. 
2nd, Citi management, especially when XXXX XXXX was executive, warned loan officers several times that XXXX is unapproved social media, run by a XXXX company. All banks prohibit it. If XXXX is allowed to use it, she gets special favor which is discrimination to other Citi loan officers. 
XXXX knowingly violated company policy. She shall be terminated. Or I will check with lawyers regarding being discriminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an Legal Alien from XXXX. I have never used the Social Security number for anything besides Identification verification. In XXXX I recently pulled my Consumer Reports and discovered Fraud! There are two XXXX XXXX credit cards opened without my consent or knowledge! In no way did I benefit from these accounts or had knowledge of them being open. One account over {$1000.00} the other over {$3000.00}. The other Fraudulent and un authorize account is an auto loan with XXXX XXXX that was defaulted for over {$7400.00}. I have never did any business with this company! This account is fraudulent and un authorized! These items I did not open or benefit from. They will need to be deleted from my consumer report immediately! They do not reflect my credit worthiness. I have contacted the FTC and attached the report to this complaint!