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

On XX/XX/2024, Ive received an email from a Venmo account specialist. Ive been chatting with them through email about why they suspended my account. All I did was to sell my computer to someone and decided to send me money from Venmo. Then I decided to move my PayPal account via XXXX ( a cross-platform money transfer ) because I didnt have a bank account as I was told by a Venmo agent because I cant add my PayPal debit card to my Venmo account. It failed me a few times and it triggered a suspension is what I known so far. They didnt tell me an exact reason why I got suspended. They wanted to send me proof of documents and after I sent them, they did not accept them and they are valid documents. They wont release my funds and I really need the money because I earned them, not to have them on hold. My {$220.00} are sitting there in Venmo and I cant be waiting 6 months to unfreeze them. I need to support myself, I cant let them freeze my account for a very long time.
Product: Credit reporting or other personal consumer reports

Account Name : THE BUREAUS Account Number : Unknown How are you reporting that this has been opened since XX/XX/year>? Thats impossible delete. 

YOU ARE IN VIOLATION OF THE FDCPA AND FCRA YOU ARE REINSERTING THIS AND HAVE NEVER NOTIFIED ME DELETE THIS IMMEDIATELY AND STOP REPORTING THIS ON MY CONSUMER REPORTS 15 usc 1681 i ( 5 ) ( B ) ( ii ) ( iii ) re-insertion of previously deleted items This debt collector has no contract with me. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681 . 

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa :
Product: Mortgage

We closed on our refinance in XX/XX/XXXX with a first payment date of XX/XX/XXXX. I paid the mortgage per the first payment letter received during the closing. Shortly afterward I received a notice that I owed additional funds. After multiple calls to Norcom I discovered they were escrowing for my homeowner 's insurance. My closing paperwork clearly states homeowners insurance was not to be escrowed as I pay this separately. I submitted proof of insurance, but never received feedback, as promised. I continued to receive notices of non-payment and now I have been referred to their debt recovery unit. I spoke to someone on XX/XX/XXXX and they indicated my request to not collect escrow for homeowners was denied for another year. I was never officially notified of this. Their practice is in violation of a legal contract I entered with this mortgage servicer. They have not adequately and fairly responded to the clear legal evidence.
Product: Debt collection

Paragraph 1 On XX/XX/XXXX Company I had no knowledge of Cascade Collections was on my credit report account disputed Cascade Collections could not meet the requirements defined by 15 U.S.C. 1681 so account listed in complaint was deleted from credit reports. Credit dispute results attached from XX/XX/XXXX see page 1 in attachment Paragraph XXXX XX/XX/XXXX Company XXXX XXXX was on credit report XXXX XXXX could not meet the requirements defined by 15 U.S.C. 1681 so account listed in complaint was deleted copy of credit report attached from XX/XX/XXXX see page 2 in attachment Paragraph 3 XX/XX/XXXX XXXX XX/XX/XXXX put an account that could not comply with 15 U.S.C. 1681 ( reference Paragraph 1-2 ) back on credit reports copy of account attached from XX/XX/XXXX see page 3 in attachment Paragraph 4 XX/XX/XXXX Sent Validation defined in 15 U.S. Code 1692g via USPS certified mail to XX/XX/XXXX and XXXX XXXX, receipts of delivery included with copy of validation letter. As of the date of this complaint still no response to 15 U.S. Code 1692g see page 4-11 in attachment Paragraph 5 XXXXXX/XX/XXXXwas removed due non compliance with 15 U.S. Code 1692g and 15 U.S.C. 1681 see credit report attached from XX/XX/XXXX see page 12 in attachment Paragraph 6 XX/XX/XXXX XX/XX/XXXX could not comply with my rights defined by FCRA 15 U.S.C. 1681 and FDCPA 15 U.S. Code 1692g and now seeks Unlawful Judgement via XXXX  district court state of XX/XX/XXXX copy of Judgment attached see page 13-18 in attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Inquiry from XX/XX/2021. DID NOT AUTHORIZE
Product: Debt collection

I had a very old car debt in the state of XXXX from XXXX and then i lost my job, moved away, the debt was past seven years which is the allotted time limit for debts to be removed or expired from your credit reports. They sued me in the state of XXXX without notice and i don't live in XXXX and i purchased the car in XXXX where I'm from also was living. So they are illegally garnishment my wages to my part time seasonal job, that only last 4months out of the year. They are still doing it to this day XX/XX/XXXX without any legal paperwork mailed to me or delivered.I now live in XXXX XXXX for the last 6years! The company is Asset Recovery Sulution LLC.Debt Collector
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The late payments shown do not correspond with my typical payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried multiple times to remove inquiries from my profile that was not made by me nor did I consent to the companies to pull my credit. 

These are the dates the credit Bureaus received my letters : XX/XX/2020 - XXXX XX/XX/2020 - Transunion & XXXX XX/XX/2020 - Transunion & XXXX & XXXX XX/XX/2020 - XXXX   XX/XX/2020 - Transunion & XXXX XX/XX/2020 - XXXX   & XXXX XX/XX/2020 - Transunion XX/XX/2020 - Transunion XX/XX/2020 - XXXX
Product: Checking or savings account

Three of my personal accounts, three of my credit cards, three of my business checking accounts, overall 10 of my accounts have been closed by chase with no reason given. They have also locked my online account and do not allow me to access my funds.
Product: Debt collection

Call at least 6 times a day all on different numbers and leave voicemails everyone in a while
Product: Credit reporting, credit repair services, or other personal consumer reports

As a Consumer that is protect by the Laws of the FDCPA and FCRA Ive notice several Violations on my Consumer report that I would like removed. Violation consists of Right to Privacy, Permissible Purpose and Identity Theft.
Product: Debt collection

CMRE Financial Services is, apparently, a collection agency. I received medical services and my insurance was billed. I received a bill for {$100.00} but knew that I was covered for it by insurance. I called the medical provider and they said to just wait, the insurance had been billed. The was the last I heard of it. I assumed that the medical provider had been paid as I never received another bill from them. Sometime later, ( 1 year or more ) I received a bill from CMRE for the same {$100.00}. I called and asked what it was about. They said that insurance had not paid and I was liable. They NEVER said that they were a collection agency. I thought they were a biller for the medical provider. I still believed that my insurance should have paid the {$100.00}, but felt that it would be faster & easier to just pay it. I did not want any derogatory information to appear on my credit report. Now, another year has passed, and it seems CMRE was/is a collection agency and the payment has affected my credit. I would never have just paid it, if I knew that. I would have gone directly to the medical provider and hashed it out with them and my insurance company. In short, I should not have a " collection '' account on my credit report as I was tricked into paying them in lieu of fighting the charge with the medical provider.
Product: Student loan

Have contracted Aidvantage by telephone each month from XX/XX/ XXXX  - XX/XX/ to know when my XXXX Lawsuit Settlement Agreement refund for my Parent plus loan for XXXX XXXX will be processed. Each of their Customer Service representatives have said that the refund is pending, but could not give me a specific timeframe as to when the refund will be processed. 

The settlement refund owed is 6 figures and continues to collect interest while in forbearance. Without a specific timeframe, at least 30 days notice, Aidvantage could possibly take as many years/decades as they want to process this refund without any recourse to them. 

I would appreciate them being held accountable for a timely/reasonable processing time for these refunds, before I have to notify my Congressional Representative as to their practice in executing the XXXX Lawsuit Settlement Agreement .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Account owner : Individual account Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date reported : XX/XX/ Date assigned : XX/XX/ Account status : OPEN Amount : {$320.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

sent certified mailed letter requesting validation of debt and for all collection activity to cease and desist until a resolution has been satisfied, to date no response.
Product: Debt collection

I called Aldous and Associates to attempt to pay a " debt ''. I was told the only way I can do this is by paying a shady 3rd party credit site " a dollar ''. After doing this 3 times the lady on the phone became enraged and hung up. Today this scam lawyers office took XXXX dollars from my bank account under the guise of a " credit repair ''. They stole my money and have all my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reports to credit companies before my cycling dates. My bill is due on the XXXX. They reported on the XXXX. My cycle date is the XXXX. My Credit card balance was paid in fullon the XXXX. This is the second time they XXXX fine this because my cycling date fell on the weekend. I work hard on my credit. Pay all my bills. They are causing me to be denied or pay super high interest rates. The credit company dropped my scores XXXX points which will take me forever to recover from. I'm a business owner I can have bad credit.
Product: Checking or savings account

Dear Sofi Support Team, I am writing to express my concern and frustration regarding the recent freeze placed on my bank account. It has come to my attention that this action was taken due to transactions from XXXX, a boat rental app where I rent out my personal boats. While I understand the need for security measures, I am perplexed as to why my account was frozen without prior notice or inquiry into the nature of these transactions. 

I have conducted numerous transactions with XXXX in the past without any issues. It is only now that Sofi has decided to freeze my entire bank account, causing significant disruption to my life. This sudden action has put me in a precarious situation where I am unable to pay my bills and meet my financial obligations. 

To assist in resolving this matter promptly, I have provided the contact information for XXXX and XXXX, another boat rental service I use : XXXX, XXXX XXXX XXXX XXXX I urge you to review my account and the transactions in question as soon as possible. Freezing my account without prior communication has caused undue stress and inconvenience. I kindly request that you lift the freeze on my account immediately and allow me to continue managing my finances without further interruption.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX Date Updated : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER XXXX MADE A CRIMINAL COMPLAINT TO FEDERAL AGENCY I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence! provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

As you can see my complain is very old regarding my account closing balance was not send to me till date as was promised After continuesly complaining i was issued a letter on your plateform to contact a particuler person and connect with him in person but that thing never worked out. 
I have already talked to bank directly but they are not giving satisfactory response.. 
I need the amount of XXXX $ now to be transfered to my external account. 
And not in form of cheque as they have already wasted more than 6 months
Product: Payday loan, title loan, or personal loan

I've contacted the store regarding a wrong payment schedule. I was told the issue would be resolved. Two payments later the issue still wasn't fixed. These wrongful payments caused fees to my account.

On top of the wrongful payments, I was also made aware that my privacy had been violated. Staff members were discussing my account information in front of a customer that happened to be someone close to me. When speaking with the District manager and also the President, I was told the situation is being handled ; although I'm not very convinced. 
This company needs to better train their staff on how to uphold customers privacy and also professionalism.
Product: Debt collection

Medical debt that is not mine. I requested documents from creditor and did not receive them. I do not own or have not signed any contract and do not assume any medical debt.
Product: Checking or savings account

XXXX, the parent bank of Chime who I am currently with, has locked my account and will not unlock it. I changed my phone number on my Chime account Wednesday XXXX XXXX at XXXX XXXX  and it instantly locked my account for a " matter of security ''. I received emails saying my account would be locked and until I submit the required documents, I would have no access to my debit card, my login information, as well as any direct deposit deposits coming in would be ejected and sent back to the issuer. I supplied the prof that Chime asked me for the same day and was told over the phone that within an hour my suspension would be lifted and account back unlocked, as I pleaded for them to unlock it as I am to be paid on Friday XX/XX/2022, and I had bills that I needed to pay as they will be shut off and I am the only one in my household with income to cover the bills. I was assured that they received and verified my information was good and that it would take an hour and then it would be lifted. Several hours passed and I consistently kept calling and I kept getting the run around. I was eventually told it would take 24-48 hours. Friday XX/XX/2022 came and it was still locked. They have held my money and I can not but the medicine I need for my child or husband, as well as they told me that now they don't have a timeframe and they will fix it whenever they can. Today is Tuesday XX/XX/2022 and my account is still locked and I have been told that there is no timeframe that can be given to me and they will fix it whenever they can. This is hugely inconvenient to me as I now how have to open a new bank account with another bank so I can hopefully get my deposit next week and hope I'm not delinquent on bills. Chime has done nothing to support me and they have informed me that replies to their emails will further delay getting my application processed. I have given them more than enough time and it is ridiculous to hold someone's money and not allow them to make purchases or get their paychecks all because I changed my phone number.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX has violated my rights, XXXX 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. 
15 U.S.C 1692b acquisition of location information by debt collectors.
Product: Payday loan, title loan, personal loan, or advance loan

i was informed that they do not offer settlement agreements.
Product: Credit card or prepaid card

Hi my name is XXXX and I applied for a venture credit card through capital one, and I was declined for missing credit information. I had a security freeze on my credit file, I notified Capital One that I had a freeze on my credit files, I was told by capital one supervisor that I would need to remove freeze in order to be considered for venture credit card, that I know that I qualified for. XXXX XXXX, I contacted the major credit bureaus and had my credit file lifted/ freeze for 10 days, I was told by capital one supervisor to lift freeze for 10 days, after I lifted the freeze capital one still denied my application. I have researched capital one criteria for the venture card, and I know I qualify. Capital one only want to offer me credit cards with high interest rates with low credit limits, so they can continue to make money from me, this is very unfair as I have worked very hard to keep my credit excellence, but capital one failed to give me a fair chance, as I call this fraudulent on their part.
Product: Credit reporting or other personal consumer reports

In accordance with the Fait Credit Reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USMC 1681. I was federally XXXX XXXXXXXX XXXX till the present time. 



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

15 US.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, ga XXXX sold an inaccurate rent debt to XXXX XXXX XXXX saying I owed {$9700.00} and I need it removed from my credit report. You cant even find that amount on my XXXX XXXX public record. Its fraudulent.
Product: Credit card

Hello I have been making timely payments and the payments are not being updated properly after payment.. The last payments I made has yet to update and they skipped an entire payment of {$260.00} that was made which is not reflecting on my credit profile. I would like my account updated after my payments are made. I will attach proof of payments through law pay.