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

Venmo suspended and froze my account with no explanation at all, other than to say user agreement was violated. I called them twice and spoke with two different representatives who refused to state why my account was frozen. I also emailed them twice. I finally received an email back from them and all they would say is my account was frozen for violating user agreement and they could no longer service me. They have not told me what user agreement I violated and I do not believe I did violate the user agreement. My money is still pending being put in my bank account. They appear to be a very sneaky and non customer friendly business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a debt in full for speedy cash I disputed it twice, I tried to upload docs, satisfaction of judgement is in. My score went done twice due to the error in not removing it my score was a XXXX and now and because I disputed and they kept it on my score went down
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Ive just reviewed my credit report and noticed the following inaccurate item XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my XXXX XXXX XXXX. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 
Attached information available.
Product: Debt collection

hi, my name is XXXX XXXX I dont know if you could help me. About 10 years ago I was sued by XXXX credit card. They got a judgment against me they were taking money out of my paycheck when I worked at XXXX home improvement back in XXXX what I was always told was that the debt was canceled by XXXX. Today I got a letter from a lawyer that theyre coming after me for a judgment from XXXX  that happened in XXXX. I called XXXX and I dont owe them anything anymore. I did a canceled date on my taxes back in between XXXX to XXXX. I can get my taxes for that time did I cancel that. I spoke to XXXX  and I was told I dont know anything it was canceled. And XXXX would I open up a new credit card we discovered in XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Unauthorized inquiries : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  XXXX BY XXXX AND XXXX BY EXPERIAN, HAS VIOLATED MY RIGHTS. 

XXXX5 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGTH TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit card

I recently opened a Bank of America XXXX XXXX XXXX card. 
After making purchases I paid off the balance of XXXX on XX/XX/XXXX from an external money market account. 
The next day on XX/XX/XXXX I received an alert from my external bank that a large withdrawl had been made for XXXX. 
I called them and on that day and was told that the XXXX overpayment would be reversed and it would take XXXX days. 
It is now XX/XX/11 and it still hasn't been done. 
I have spent a crazy amount of time on the phone trying to get this done. 
Every time I call I'm told something different. 
When I log in online the XXXX shows as being reversed on XXXX. 
but it still hasn't showed up in my external bank where I'm losing interested daily about {$4.00} a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several requests to update the information, this account still reports on XXXX and XXXX. 

Action Details Creditor : XXXX XXXX Account # : XXXX Status : Action Sent Action Date : XX/XX/XXXX  Action Type : Update My Account Reason for Action : Items have been settled This account shows as closed/charged off and still shows currently on my credit report with XXXX, XXXX, and XXXX. 

Action Details Creditor : GLOBAL LENDING SERVICES Account # : XXXX Status : Action Sent Action Date : XX/XX/XXXX XXXX XXXX  Action Type : Correct a credit reporting inaccuracy Reason for Action : Remove the reporting of the lien associated with this account ; it has been fully satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reached out to the original creditors XXXX XXXX and XXXX XXXX to verify that I did not have any unpaid balances. They both verified that I did not have any outstanding balances that were reported to XXXX XXXX XXXX. On XX/XX/XXXX and XX/XX/XXXX, I reached out to XXXX XXXX XXXX and let them know that they reported XXXX charges to my credit report that do not belong to me. I explained to them that these charges belonged to my XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. They verified my social security number and realized that the social security number on file did not belong to me. Even after being aware of this information XXXX XXXX XXXX still continued to report charges from my XXXX XXXX on my credit report. I filed a dispute with XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of the items have been removed from my credit report except for the charges of {$420.00} and {$2000.00}. XXXX has allowed XXXX XXXX XXXX to report inaccurate information on my credit report. By not removing these items from my credit report, I feel that XXXX is deeming these charges valid and will not be removing them from my credit report as previously demanded on several occasions. These are not my charges and I have tried to dispute again however XXXX will not allow this. Before these items were falsely reported to my credit report, my credit score was XXXX. My credit score decreased by over XXXX points. This has negatively affected my credit score which in return can cause me to have to pay higher interest or even be denied for a loan.
Product: Credit card or prepaid card

I contacted my Citi Credit Cards on XX/XX/2020 to report that I was out of work and unable to make minimum payments due to COVID 19 pandemic by the due on XX/XX/20. I was told by one Citi Card that I would be put in a special program for consumers effected by COVID 19 so that my minimum payment would be placed at {$0.00} for 3 months ( XX/XX/20 ). My Sears Citi card told me that they did not have anything in place at that time for COVID 19 consumers but that they would waive all late fees occurred for my XX/XX/20 bill. On XX/XX/20 I received an automated call from my Citi Card that my account is passed due and that I had accrued late fees due to being late. I contacted the Citi Card, and was informed by customer service staff that there was no note of my call on XX/XX/20 and told me that they could not help me to remove the late fees or delinquency that had been placed on my account. I requested to speak with a supervisor and who got on the phone and told me that their system went down and that I would have to call back in 2 hours ( after I had been waiting on hold for two hours ). I did finally get through to a supervisor after I called back to- back. I was told that my account would be placed in a COVID 19 special program and that my account would not reflect as delinquent and no late fees would be assessed. On XX/XX/20 I received an email stating that Citi Card account was delinquent for a pass due amount. There was an option to request COVID 19 help attached to that email which I applied for. OnXX/XX/20 after the email that morning, I received an automated call from Sears Citi Credit Card stating that my account was pass due and has accrued late fees. When I called the customer service dept. I was told that same information- that there was no note of my call on XX/XX/20 and that there was not thing they could do to reverse my late fees and delinquent report on the account even though I had made previous arrangements with their customer service staff. At that time Sears Citi Card did place me in a COVID 19 program to help with future payments but they refused to remove the delinquent account information and the late fees.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX has been falsely reporting an account to my credit files for a loan I never went through with. I started the loan process, got halfway through the contract, and walked away. For the last 7 years, they have destroyed my credit and placed unforeseeable financial burdens on me because they are reporting fraudulent information. Not only did I not go through with the loan, they filed the paperwork I had signed and I never received a XXXX  XXXX from them. They have never issued me a check and they refuse to provide any sort of debt validation after the XXXX of times I have disputed this account. They faked a loan to then get paid through their insurance company as well as a tax write-off.
Product: Payday loan, title loan, or personal loan

" loan Agreement '' is written in confusing legal speak to hide the massive APR on loan. I have paid {$1400.00} on a {$600.00} loan and my outstanding principal is {$520.00}. with a payoff of {$670.00} Company is XXXX XXXX owned and hiding behind " law doesn't apply to us ''.
Product: Student loan

I received a phone call at   XXXX   XXXX   pst on   XXXX   from  XXXX . They called again at  XXXX  and   XXXX  . I answered the  XXXX  phone call and it was from  Navient. I   asked why they called me at   XXXX   XXXX   and if they knew that was illegal. The woman would n't answer me unless I verified my information with her.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I find some descrepancies with my credit reporting. 

In accordance with the fair credit reporting act, this creditor has violated my rights. 
Under 15USC1681 section 602 states, I have the right to privacy.

15USC1681 section 604A, section 2, it also states a consumer reporting agency can not furnish an account without my written instruction.

Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Company name : Khols/Capone . 
I do not remember the exact date that I called them but I very positive that I had called them back in XXXX and while the issue was resolved immediately, the derogatory remarks stayed on my report. I lastly called them last month XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I refinanced my loan back in XX/XX/XXXX, Loancare kept a portion of my Escrow balance with out my approval {$1800.00} to be exact, and will not return it. On the Escrow balance it is showing that return as a negative, and does not explain why. On XX/XX/XXXX I spoke to two different Loancare employees who told me I had to email payment research about this problem. See email and response below REFERENCE NUMBER : XXXX Please use this ticket number in any correspondence with us. 
SUBJECT : Re : Loan # XXXX Dear Valued Customer, Thank you for contacting us. 

Please be advised that the funds were used towards paying off your loan because the payment on XX/XX/XXXX was returned. We wouldn't be able refund the funds. 


Please feel free to contact us if you have any additional questions. 


Sincerely, Customer Support XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ********************************************************************************************** The contents of this email and any attachments are confidential and are intended for the named recipient ( s ) only. If you have received this email in error, please notify the sender immediately and delete the message without making copies of or forwarding it to anyone other than the sender. 

*** this email was scanned for malicious content *** ********************************************************************************************** In case this email does not fully answer your question, or you would like to contact us for any reason, simply reply to this email. You can also get immediate assistance using our Chat support service at : ========== Original Message ========== From : & # 60 ; & # 62 ; Subject : Re : Loan # XXXX IMPORTANT NOTICE - This message sourced from an external mail server outside of the Company. 

& # 62 ; & # 62 ; To Whom it may concern, & # 62 ; & # 62 ; I did a refi 5 months ago and part of my escrow balance was applied to my loan with out my approval. I am going to need the remaining balance that is owed {$1800.00} & # 62 ; sent to me. I am going to call the CFPB and would like this resolved very quickly!

& # 62 ; & # 62 ; Sent from my iPhone
Product: Credit card or prepaid card

XX/XX/XXXX USAA CONFIRMS {$340.00} New Purchases XX/XX/XXXX ARE VALID CREDIT REVERSALS OF CREDITS DEPOSITED. see Fraud Letters XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXXattatched. SEE Attatched XX/XX/XXXX STATEMENT CREDITS are {$210.00} XXXX {$120.00} XXXX   XXXX.Total CREDITS PERIOD {$340.00}.!!! 
( ** KINDLY NOTE XXXX XXXX {$120.00} IS NOT INCLUDED IN {$470.00} FRAUD CLAIM DATE XX/XX/XXXX I REPORTED. ** ) USAA CREDITS ARE INTERNAL ILLUSIONS THEY DO NOT EXSIST. 
There are NO USAA CREDITS TO STEAL.
Product: Mortgage

I have a mortgage with PA HOUSING Account number XXXX ( full account number XXXX ) that reports on my credit report. They are my servicer for my primary residence mortgage. I had mortgage lates over 7 years ago, and they are not taking them off, and now even stopped reporting my recent payment history entirely, only reporting my most recent payment. I want them to Please remove the mortgage lates over 7 years old, and show my most recent payment history on my credit report. I attached a copy of my report. This account shows up on page 1, as the 1st account under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting at XXXX XXXX XXXX  XXXX,

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

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.0
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$190.00}
Product: Mortgage

On XX/XX/XXXX of XXXX, my mortgage was sold to PNC Bank. My escrow account was also transferred to them in it's entirety from XXXXXXXX XXXX My Property taxes which were due for the amount of {$1700.00} were due on XXXX XXXX, XXXX. PNC Bank failed to pay my property taxes out of my escrow account. I noticed the error on XXXX XXXX, XXXX and immediately notified my lender of the mistake via a phone call. The lender initiated an investigation and told me to inquire again on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX they had still not concluded their investigation and I was advised by a financial advisor to pay the taxes myself out of pocket and pursue getting the money back from PNC Bank. I took this action on XXXX XXXX, XXXX. Paying my property taxes of {$1700.00} plus an additional {$85.00} in interest and fees. I called PNC Bank again to let them know of this, and was told they would reimburse me for my expenses. I forwarded all the proper receipts and documentation to PNC Bank on XXXX XXXX, XXXX. 

It is now XX/XX/XXXX and PNC Bank claims to still be " investigating '' my case, but has not provided any resolution or sent me any of my money which is due me for paying my property taxes. 

I am glad I took the action of paying the taxes myself, as if I had not, my house would have been placed under a lien on XX/XX/XXXX. PNC Bank has not provided me any reason why they can not reimburse me for the funds I have paid out of pocket for their mistake.
Product: Debt collection

Convergent outsourcing bought the debt and started to negatively report to 3rd party agencies, ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit JXXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXX XXXX  XXXX {$12000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$7800.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. In XXXX of XXXX, a XXXX XXXX collection account was opened under my name without my knowledge or consent and was used and left a {$4600.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Product: Money transfer, virtual currency, or money service

I filed a claim with the bank because I was scammed. They denied the claim. When I called them back they apologized and said we are sorry we denied the claim because it was filed incorrectly. The claim should be filled under Scam not fraud. So Bank of America promised to investigate the claim file it correctly and made themselves accountable for filling it incorrectly. They said if they can not get the other bank to resolve the issue they will be able to credit my account since they failed to file the claim correctly. This happened on XX/XX/year> the claim for {$1500.00} was re opened. 

The claim has been pending since XX/XX/XXXX it is still not resolved and Bank of America claims that XXXX XXXX  has failed to respond to them or to resolve the issue. They have reached out to XXXX and they never responded they havent turn in the request for the Hold Harmless Form. 
Back in XXXX I received several calls from representative claiming to be from Bank of America. This happened on XX/XX/year>. They called at approximately XXXX XXXX. The number they called from is XXXX which is the same phone number is the bank of my debit card. They had all my personal information and they said that they needed to assist me because there was fraud on my account. They needed to transfer my money to a new account in order to avoid my funds to be taken due to fraudulent charges. They asked me to sign in to my account and do a couple things on there that I am not familiar with. I told them I was not familiar and I didnt feel comfortable doing that they sent me notifications and they confirmed my information and their phone number so everything seem legitimate. After I got off the phone with them. I received some emails from Bank of America saying we noticed some transactions on your account. At that point I felt something was wrong and I called the bank. 2 hours after receiving the fraud call I called the bank and told them what happened. I told them I didnt authorize and had no knowledge because I was tricked and fooled into logging into my account. The bank promised to freeze my account and place the transaction on hold. They also said that they would contact the other bank to let them know it was fraud. My account had a fraudulent wire transfer for {$1500.00} placed on hold and my account was frozen. How ever the next day the transaction was allowed to go through without my consent and the funds were stolen and taken from my account. I am a XXXX XXXX and I do t have much. I dont have money for food or for the holidays. I have never used a wire transfer before and I am so confused as to why the bank would allow the transaction to go through after I explained to them that it was a scam because of the representatives impersonation of the bank and the calls I got directly from their phone number. Bank of America is not being helpful and they are saying XXXX has failed to respond to the investigation. 

This is been pending for more then 2 months. I need a response as to what Bank of America has done to resolve this and to protect my account and information because this is very disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

From XXXX, I struggled to repay the loan and I was forced into forbearance. I am a public service worker and have been for 23 years and I am unable to apply for loan forgiveness. I have over {$150000.00} in student loan debt. I will be repaying this loan back for the rest of my life, literally. I owe more in interest than the actually loans.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and saw that a number of late payments that I do not recognize appeared on my credit report and are negatively affecting my personal credit. 

XXXX XXXX XXXX XXXX  Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the marks that I wish to be removed and updated as payment on time