23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I purchased a pair tickets for myself and a friend for a music festival, but a conflict came up and I could no longer attend, and so I posted a listing to resell them since a refund was not offered by the festival organizer. I found a buyer, and we met and agreed to transfer the cost ( {$1600.00} ) of the tickets through Venmo 's money transfer app from their bank account to mine. I received their payment in full in my Venmo account along with a text from Venmo confirming that I had been paid the {$1600.00}. I gave them the tickets, as my account on Venom 's iPhone App showed that I had received the money and that the transaction was complete. 
The next day when I attempted to transfer the funds from my Venmo account to my XXXX checking account, I received a notice from Venmo that my account had been frozen. I called Venmo to resolve the issue, and they told me to email them a copy of my driver 's license to confirm my identity. Their follow up response was that I had been using the account for " business payments '', and that those types of transactions are not allowed on their App, therefore they took the money out of my account, and also deactivated my account. This has been very XXXX to me as I am not operating a business, it was just a one time transaction that was only going to my personal checking account. It was money that I was counting on in order to pay rent and bills, not for anything to run a business. I do not use Venmo for any business, nor have I ever used it for anything that would fall under " business payments ''. I have only used it for transactions between friends or in this case a casual, personal transaction. 
I am now without the tickets, or the money that was in my account, and have been given no recourse to recover the money. Venmo had clearly confirmed in both their app 's interface and their texting service that I had received the money, with no stipulations or disclaimers, and offered no explanation until the next day when I had to reach out to them to figure out what was going on. Unbeknownst to me, they classified this as a " business payment '' in their terms and conditions, however even after reading through the user agreement on their website I 'm not sure how they came to that conclusion as the terms are vague, do n't explicitly list anything I did as prohibited, and do n't specify how exactly they applied to my situation.
Product: Credit card or prepaid card

On XXXX, XXXX I purchased what was advertised as a **Brand New In Box** XXXX XXXX  Programmable Thermidistat that was advertised on XXXX. It cost {$460.00} + {$10.00} shipping + {$39.00} tax for a total of {$520.00}. The merchant is XXXX XXXX, XXXX. The purchase was made using my XXXX XXXX XXXX via Paypal. When I received the item on XXXX XXXX, XXXX it was in a XXXX shipping box ( not the original box ) wrapped in bubble wrap, clearly was a used thermidistat and was missing a part. I immediately emailed XXXX XXXX asking him to address the issues. He offered to send me the missing part, refund me if I returned it or he had a different brand, brand new in the box. At this point I had no desire to continue to do business with a dishonest merchant so I elected to return it. Reluctantly, per his request on XXXX XXXX, XXXX ( I waited until after the XXXX rush ) I paid another {$8.00} to have the used item shipped back to him. The {$8.00} included a tracking number and up to {$50.00} insurance but the claim has to be filed within 120 days so that time has passed to even file a claim with XXXX. Now the tracking number has also be archived so it can no longer be tracked. I didn't take out any extra insurance because this purchase clearly falls under Paypal 's Consumer Protection Policy considering he advertised a new item and sent me a used item. Unfortunately, according to the XXXX tracking number it was never delivered to him. After waiting a reasonable amount of time for it to be delivered, I opened a dispute with Paypal. After getting the run arounds with Paypal ( they were waiting for the item to be delivered ) I had no choice but to open a dispute with XXXX on XXXX XXXX, XXXX to keep from having to pay the {$520.00} charge. I have had to reopen the dispute several times with XXXX because they keep resolving the case in the merchant 's favor and apparently Paypal responds back that it is a valid charge which is is NOT! Paypal will no longer talk to me about it since I opened a dispute with XXXX. The final dispute has been closed with XXXX and they are still siding with the dishonest merchant!
Product: Credit card or prepaid card

# XXXX XXXX I received a XX/XX/XXXX letter from Capital One asking for more info Cap One case # XXXX I called number several times and asked for ext XXXX as to what more info needed that ext was not available in my several calls made to Capital One 's letter The case is designated closed without resolution Please clearly state what info needed so we can resolve amicably
Product: Debt collection

Hello I called the debt collection wakefield & associates many Times since XXXX and XX/XX/2020, I was asking to mail ME my debt writing paper/Bills but until now I still have Not recieve it I called them almost everywerk to requests Bills paper but I never recieve anything. I am more Than willing to pay what I owe but for my own protection and Record I would like to recieve a Bills but How can I pay a debt that I never see?? Never receieve Call, Bills or anything I only found Out thru checking my credit report. I Dont Know what to do Im planning to buy House but MY credit score affecting My and my life. Please Help ME Out by the way they say I owed {$1200.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Transunion and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I have asked XXXX, XXXX and Transunion to reinvestigate these accounts on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX for incorrect reporting on my credit. I have also requested for XXXX, XXXX and Transunion to remove these account : XXXX XXXX from my account due to inaccurate information. However, they have stated everything was completed and accurate. But how is this possible if these account still remain on my credit report. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that are not reporting accurate information. 

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

15U.S.C 1681 section 602A section 2 : States consumer reporting agency can not furnish an account without my written consent.

15U.S.C 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681c ( 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. 

Transunion, XXXX and XXXX have failed to send me an update on the dispute I submitted. I called Transunion, XXXX, and XXXX and they have declined to send me a letter providing me an update of my dispute. When I asked them what information did they request from the creditors I am disputing on my credit, Transunion response was we just go base on what the creditors send us and when I asked what the creditors sent them to confirm that account was opened by me they simply say they provide general account information, not pertaining to my dispute. When I called XXXX they provided general information on what they do on a dispute which was not helpful. XXXX have also refused to send me the letter of the status of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$0.00} XXXX XXXXXXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account 5 times. I have asked for a full file disclosure letter and never received XXXX. I have sent in proof that i am the one making the request to have the account removed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection/Chargeoff from XXXX XXXXXXXX with a balance of $ XXXXXXXX XXXX with a balance of {$9400.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Citizens Bank failed to pay my Real Estate Tax when there was sufficient funds in my escrow account to pay the tax. Consequently, I received a Delinquent Tax Statement from my county charging me penalties and interest. Today I discovered that my XXXX Credit score went down XXXX points due to the Delinquent Tax Statement. I want to have my Credit score restored as it was before the Delinquent Tax Statement.
Product: Debt collection

XXXX XXXX XXXX Took {$720.00} from My Business Checking Account Without authorization, when I go to my Transaction over my statement there is a message that said an agent call me from XXXX XXXX XXXX to proceed with The Debt that is not true, I never receive any calls from nobody. I call more than Five times to XXXX ( XXXX XXXX XXXX customer Service ) regards to my Credit card and they said my credit card was on collection company name First source, For that reason, I proceed to call them to try to make a settlement till now without any Answer. I was surprised when I check my account Yesterday and saw my checking account was almost clean by XXXX. I try to contact XXXX Agin and ask them why they took my money when my card was already on the collection and they said we have the right. This happened on XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

I sent the attached letter to TransUnion and they failed to respond and resolve this issue.
Product: Debt collection

I was called on XXXX XXXX on a debtor in the amount of {$4600.00}, and must pay in full or make an agreement to pay installments of {$100.00} a month until the balance is in full. I did my research, looked into my credit reports of any negative balances, collections and or debts on file, and there is no derogatory balances in my report. I did further research to call the banks, XXXX XXXX XXXX XXXX XXXX and Pennsylvania and both did not see on file the account number or my SSN or debt on file. This company in XXXX, SC is and has done ID scamming upon me.
Product: Mortgage

Issue : Property taxes not paid from Escrow account for 2020 and now I'm having to pay out of pocket with interest and payment processing fees.

Tax & Insurance were to be escrowed and paid by Mortgage Servicer per the signed contract and Final Closing Disclosure signed by borrower. Lender and Title company were notified XX/XX/2020 by borrower of errors after closing when Title company did not pay correct cash due to borrower per Final CD. Title company advised borrower that an amended closing disclosure was generated the morning of closing and should have been provided to borrower at that time. However, borrower was not provided an amended closing disclosure on day of closing or ever signed agreeing the amendment. Lender advised Title company this amended closing disclosure was not valid and the original closing disclosure signed and provided by borrower were to be the terms of the loan. I was advised by Lender that Title company errored and Title company disbursed difference in owed amount after Lender told them they could not amend the mortgage documents from what was signed at closing in accordance to signed Final CD.

Additionally, borrower believes mortgage was created & sold with the details listed in the invalid amended closing disclosure as the Servicer of the loan confirmed to borrower that they were instructed not to make tax payment per the Initial Escrow Closing Disclosure. However, the signed and agreed Escrow Closing Disclosure shows that taxes were to be escrowed and paid by servicer while the amended invalid Closing Disclosure the Title company sent borrower did not show the loan as being escrowed and believed to be the source of this newly discovered error. Furthermore, borrower is concerned mortgage was generated with invalid amended terms as Title company requested borrower sign QuitClaim Deed after closing in apparent attempt to correct the mistakes made in names. 

Lender- Fairway Independent Mortgage Corporation DBA XXXX ( XXXX XXXX XXXX Ct XXXX XXXX TX XXXX ) Title- XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX ) Initial Loan Servicer when taxes were due from escrow- XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis has been great, the only reason for me to submit this through CFPB is for documentation. According to CFPB XXXX there is no longer a file to maintain. I have an online account that I am able to still access - I am asking for this to be permanently deleted from the Innovis database ie my username, address and any other contact data. I will use this company response as my documentation for my personal file.
Product: Credit card

My name is XXXX and i am writing this on behalf of my father XXXX XXXX. On Sunday, XXXX/XXXX/2016 at approx XXXX EST, we called Chase bank at XXXX to activate his chase card. My father is XXXX years old with XXXX. He needed my assistance in this activation as he did with the the submission of this application for this card. when we called, i identified myself to the chase employee who said that there are translator services so that i could not help him with this activation. the translator beeped in and my father was having a hard time understanding him. i explained to the chase employee that my father was having a hard time understating the interpreters dialect and that spoken XXXX is not all the same, she asked what was thew preference, i told her XXXX. she put us on hold again and another translator beeped in and he could not understand him either. the chase employee failed to see that this was a recurring problem and would not allow me to help him translate. the mistake that happened initially was that when he read the credit cards number, he misread it due to his limited vision and that appeared to be a soar point during the call. this call lasted about 50 minutes with 2 different interpreters whom we could not understand. after a point of frustration from my father, i could not stand to see him be abused like that, i ended the call and told the chase employee that he is nor longer interested in the card or working with chase and ended the call.
Product: Credit reporting

I do not owe such a debt this is a mistake my insurance paid this, remove this account listed XXXX FOR XXXX INACCURATE DATA
Product: Debt collection

Name of company ; XXXX XXXX XXXX original creditor name ; known as XXXX XXXX XXXX XXXX XXXX balance is {$1700.00} Date open XX/XX/2018. 
Steps taken written a handwritten letter to please take off as I don't know about this at all and I have called.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries where not authorized and are impacting my credit report severely.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX Please help. I have a suspicion that My SSN is easily stolen due to the simplicity of the numerals
Product: Credit reporting or other personal consumer reports

Todays date is XX/XX/2023 My current and legal first name is and only is XXXX My current and legal last name is and only is XXXX My current and complete residential and mailing street number is XXXX My current complete residential mailing street name is XXXX XXXX XXXX XXXX 
My current complete residential mailing city is and only is XXXX My current complete residential mailing state is Alabama. 

Please remove or Cease retaining of any and all others that you might have reporting or on record or else present document statement certifying my rights to retain or report over consumer removal of authorization. 
To whom it might concern, I am requesting to remove the INQUIRYS AND CLOSE ACCOUNTS from my personal credit report. 
In genuine sincerity I close, my first and last name is and only is XXXX XXXX. My street number and street name is and only is XXXX XXXX XXXX XXXX my city and state is and only is XXXX, Alabama
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According To 15 U.S.Code 1681Of The ( FAIR CREDIT REPORTING ACT ) I A Federally Consumer Have A Right To Privacy.

I Have Been Violated By These Companies.

15 U.S.Code 1681b- Permissible Purposes Of Consumer Reports : These Companies Need The Written Consent To Add Anything To A Consumer Report.

15 U.S.Code 1681c - Requirements Relating To Information Contained In Consumer Reports.

Except As Authorized Under Subsection ( b ), No Consumer Reporting Agency May Make Any Consumer Report Containing Any Of The Following Items Of Information Any Other Adverse Items Of Information Other Than Records Of Convictions Of A Crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Equifax, XXXX, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : US DEPARTMENT OF EDUCATION opened XXXX Account # XXXX highest balance of {$2000.00} new balance of {$3000.00}, US DEPARTMENT OF EDUCATION XXXX XXXX Account # XXXX highest balance of {$1100.00} new balance of {$1400.00}, and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Balance {$11000.00}. There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX.
Product: Mortgage

I am losing my home. My home became default for less than {$50000.00} dollars. I was trying to keep my property by way of loan modification or reverse mortgage. However, the current lender has not assisted me. So I have entered into contract to sell my home. All I needed was a postponement of the auction sale scheduled for XX/XX/XXXX until XX/XX/XXXX the date of my closing. The lender has declined. 
Please note that me " as is Value '' of my property is at least twice the debt that is owed on the mortgage. I don't want to lose my equity in the property at the auction. I received a payoff only good to XX/XX/XXXX. I requested another payoff but have not received it from lender. I never received a face to face with my lender.
Product: Money transfer, virtual currency, or money service

I had a venmo account that I would use to send money to my girlfriend and her son. After some time my venmo account got suspended with no communication as to why. The app says to check email and when they suspended it I never received an email then. I had reached out to support months ago and they wouldn't disclose why it was suspended. I don't care why it's suspended because I don't care about doing business with this shady business after seeing that they done this to numerous people online. They have my cards stored on my venmo account, social security number, debit/credit cards, phone numbers. I tried to close my account and it won't let me because of my account being suspended.