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

I was a first time user with the venmo company. So I opened a venmo account and I had to submit a front and back copy of my driver 's license to receive the direct deposit information, I submitted the front and back copy of my driver 's license my account was reinstated and I received my direct deposit information which I submitted to my school to send me a refund. In the user agreement it said nothing about I had to be lower than any specific amount to receive a direct deposit so the school sent me a total of {$1200.00}. Then more is saying because of the following On XX/XX/2023, these tools identified your Account as potentially high risk. In this case, our internal security system identified that your recent Payment was for an amount significantly higher than previous payments you received. Historically, this type of activity carries a higher-than-average risk of fraud and can be indicative of potentially unauthorized account access. ) This is why my account has been frozen and my funds is being placed on hold for 180 days. The issue I'm having with the response that they gave me is because they never said in their user agreement that they were going to compare my incoming or outgoing transactions to determine whether something was wrong but because they said that they had took notice of the amount that I received from my school to be an amount higher than I usually receive is an issue because I've never received any money on this venmo account for them to compare to this was my first and only transaction on this account so when they froze my account I submitted the same front and back copy of the driver 's license that they received the first time when I opened the account to receive my direct deposit information but this time they said that it wasn't legible so that's why they're holding my funds for 180 days which I don't believe is fair or right. I am requesting that my funds either be open for me to remove them from the account or that venmo reverse the {$1200.00} back to my school ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests to Experian and XXXX regarding incorrect addresses. I requested that XXXX XXXX XXXX XXXX be removed from my Experian report and XXXX  XXXX XXXX XXXX XXXX be removed from my XXXX report. Both have come back refusing to delete this erroneous information. I have submitted certified receipts as well as a copy of the letter sent to the bureaus.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The Equifax bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00}
Product: Credit reporting or other personal consumer reports

Violation of Federally Protected Consumer Rights Dear To Whom it May Concern, I am writing to formally address a serious issue regarding violating my federally protected consumer rights to privacy and confidentiality, as outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The following accounts have infringed upon these rights : 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$550.00} These violations pertain to several specific sections of the Fair Credit Reporting Act : 15 U.S.C. 1681 Section 602 ( a ) : This section affirms my right to privacy.

12 U.S.C. 1681 Section 604 ( a ), Section 2 : It states that a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits any consumer reporting agency from including any adverse information in a report that is more than seven years old, except records of conviction of crimes.

15 U.S.C. 1681s-2 : This section states that no person shall 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.

The aforementioned accounts have contravened these provisions, thereby violating my rights under federal law. I request immediate action to rectify these issues and ensure that my consumer rights are upheld.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Mr. Cooper took over servicing my mortgage in XX/XX/2019. In XX/XX/2019 there was an escrow analysis done increasing my payment by about {$93.00} per month. In XX/XX/2019 another escrow analysis was done increasing my payment by another roughly {$4.00} per month. When I questioned why the escrow analysis was done in XXXX when one was done in XXXX, I was told per Maryland law escrow analysis are done in XXXX. So I then questioned why one was done in XXXX. One XX/XX/2019, I was told my inquiry was sent to the Research Department and a response would be provided in 10 days. Well, it has been over a month and I still have not received an explanation as to why an escrow analysis was done in XXXX and again in XXXX. I need to know why escrow analysis is being done every 6 months instead of once a year.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  - XXXX  - XX/XX/year> - {$3200.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

Upon a detailed review of my credit report, I found multiple accounts that appear to be fraudulent and were added without my consent.
Product: Mortgage

Re : PMI Cancelation - Unethical Practices by Mortgage CompanyReport on Practices of Dovenmuehle Mortgage ( DMI ) XXXX, IL XXXXI have been trying to cancel my PMI insurance since XXXX and have been given the run around in a very unethical manner. I initiated the process by calling their helpline representative and received a form to fill ( 2 weeks to receive ). I sent the form back immediately. After 4-6 weeks I received the same blank form, without any further instructions about the next step. We then re-submitted it and same thing happened. The initial form was again sent to me without any actionable notes about the next step. These occurrences make it clear that the practice of DMI is aimed to give the consumer the run around and delay the cancellation process. 
I have spent several hours on the phone with the Company. I asked the technician if the form can be e-mailed or faxed, they said that their system is not capable of it. Note that another employee was able to send the initial form via e-mail, making it the XXXX time, but I still do n't have the appraisal request form. They are claiming that their escrow department that handles the PMI cancelation process does not directly talk to customers or expedite the distribution of any forms. With todays business practices, there is no excuse for not automating the PMI cancelation form process - other then to stall and deter the cancellations. I am writing so the CFPB investigate the Company for the deceitful manners. I have waited approximately 12 weeks and have been paying the PMI. I have never been late on my loan, in fact have made more then the minimum due.
Product: Credit reporting or other personal consumer reports

Dear to whom it may concern : I recently pulled up my XXXX, XXXX and XXXX credit report and your company is attempting to collect a debt. 

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( 3 ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy. 
If such notice from theconsumeris made by mail, notification shall be complete upon receipt. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. 

Im giving your company 15 days to respond to this matter. Failure to respond to this matter will result in legal actions pursued against your company. 

I demand that the following account be validated or DELETED immediately : Account Number : XXXX Amount owe : {$370.00} Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity was stolen and used without my permission and XXXX will not remove the account from the XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

My identity has been stolen & used Ive reported & disputed them on my credit I have police records. I never had a bank account with XXXX. I never had phone plan with XXXX they are fraud on my identity
Product: Credit card or prepaid card

I am being charged interest when I paid my card off and when I went to make payment on a late fee I was not able to access account. I tried to contact customer service and their system was down its been months and still cant get a hold of a representative. This is after we were told we would not be charged for not being able to pay on time because of their system problems and I was charged almost {$37.00} plus interest on a card that is paid off.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received an email at XXXX XXXX  from PayPal indicating there was suspicious activity on my account and I also received an email for a receipt for a transaction equal to {$7500.00}. I immediately logged onto my PayPal account ( I did not click the links in the email but actually opened the website on my computer ). I opened a case about the transaction and disputed that it was an authorized transaction. Since it was such a large amount of money I also immediately called PayPal and they assured me that if I was hacked it would be unauthorized and I would get my refund. I also called my bank and asked them to freeze my account which they told me I could not do. I did not pressure my bank on this because I assumed there was no way my transaction would come back as authorized. When I woke up the next morning I checked my email and saw my case was resolved. PayPal had decided it was an authorized transaction. I immediately called and asked how they could possibly say that was the case and they told me they saw no signs of me being hacked. I asked how that was possible and that they were the ones who alerted me to the suspicious activity and they told me that it was an authorized transaction. The transaction was paid to a XXXX jewelry company and to be shipped to a XXXX address. I called PayPal back and they told me the only thing I could do was change by case to be a item not received case and if the transaction was not legitimate there would be a high chance I could get a refund still. They also told me I could try contacting the merchant and see if they could cancel the transaction. I did try contacting the merchant and the phone number they had listed did not exist. I called PayPal back the next day and said that I suspected they were a fraudulent company and that they were just the place the hacker transferred my money to. PayPal assured me that if that was the case there would be no way they could provide the information needed to dispute my case of item not received. Now I am waiting while they review the information that the merchant provided them and have a suspected resolution date of XX/XX/XXXX. Regardless of the outcome the fact that PayPal detected what was a breach of my security and still decided that I was not hacked and I was not protected makes me very distrustful of them ever again.
Product: Debt collection

I got XXXX to correct my XXXX sometime between XXXX and my doctor set me up with XXXX XXXX through XXXX XXXX  to finance the {$4800.00} XXXX. I paid {$200.00} a month until the balance was down to {$1200.00}. 

As a graduation gift to me, my dad paid the {$1200.00} balance off on my behalf. The first attempt was an online payment and at first it was accepted, then later rejected for some reason. I called XXXX XXXX customer service and spoke to a representative who resubmit the payment over the phone and confirmed that everything processed correctly. A couple days later, we checked my dad 's account and confirmed the {$1200.00} had finally been debited. 

I thought nothing more of the transaction until 2-3 years later I was in collections for over {$3800.00}. They claimed my second payment was denied as well so they added {$2600.00} in fees, closed my account ( which removed my online statements ), wrote my debt off, and sent me to collections. That debt collector has since sold the debt to a new company.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

The company with portfolio recovery constantly contact me about a debt that I do not owe. I told them to stop contacting me and they still do so despite me instructing them to not to.
Product: Checking or savings account

On XX/XX/2023 between the times of XXXX XXXX  CT, I was making a cash deposit of {$1100.00} USD at one of Bank of America 's atms. After the money was received and while the ATM machine was processing the deposit, the atm machine said there was an error, gave me my card back, then went back to the home page. I checked my balance and saw that my deposit was not reflected in my pending or current checking account balance. I was not given a receipt. I then immediately called the number on the atm and reported this issue. I was told they have the atm number locator where this occured. I was told a temporary credit would be added to my account while they investigate this issue. It has been over a week now and my account has not been credited for the money I deposited. I have called several times and they have been unhelpful. My rent is now 6 days late and building late fees at XXXX XXXX ( after the XXXX of the month ) because I do not have access to the money. At a time when I was recently laid off, this has wreaked havoc on my life and caused undue stress. If they would simply check the cash of atm they will see that their is a surplus. If they would just check the cameras, they will see that I did indeed make a deposit and the error was on their end. All I want is the amount I deposited, {$1100.00} USD, and late rent fees I've accrued because of their refusal to give me the money I deposited, which is currently {$60.00} as of XX/XX/2023.
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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX has violated my rights XXXX 

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: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a factual dispute of this peticular account. There are a few reasons I disputed this account. It is not reporting accurately because : XXXX  is showing this account as still open when collections are close-ended accounts, XXXX  failed to verify this account, the account status says not disputed when it is, there is also no date of last payment for statute-of-limitations purposes, and IC systems/ XXXX XXXX did not notify me beforehand that this collection would go on my credit report ( FDCPA section 809 ).
Product: Money transfer, virtual currency, or money service

Out of nowhere, I have been entirely blocked from making payments on Venmo. I reached out to them initially and they told me to try a different payment method to get around any potential issue with the initial payment method. After trying three different payment methods and trying over the course of a week, I am still being blocked from making any payments to anyone else on Venmo. This is a significant monetary issue for me. I asked for a Venmo supervisor to solve the issue but she repeated that Venmo 's automated system flagged a transaction as risky. However, this does not address the issue that I am still blocked after over a week 's time having tried different payment methods and tried paying different people with different payment amounts. It is not a transaction that was blocked but an error in the Venmo system that has blocked me as a user for no good reason. The supervisor has provided no solution and is no longer willing to contact the appropriate people in Venmo to fix the issue. She could contact the security team, or web developers, or her own supervisor but nothing has been done. I am being denied Venmo 's services which is discriminatory and incurring losses to me. I would like this to be escalated and solved so that I am not unfairly barred from ever using Venmo again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or authorize or benefit from the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCU- XXXX XXXX XXXX XXXX FCU- XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXXXXXX ( 3 inquiries ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called Client Services to settle a debt. The original account was with XXXX XXXX. The Client Service representative asked me why was I delinquent on my account? I explained to her I had a medical emergency that prevented me from making timely payments on my account with XXXX XXXX. On XX/XX/2018 this debt was settled for {$220.00}. The representative ensured me a settlement letter an a update with all three credit bureaus. On XX/XX/2018 I received a letter from Client Services confirming the debt was settled in full. I called Client Services on XX/XX/2018 inquiring about the update in my credit file, since the debt was settled and paid. The representative from Client Services insured me that they would update this account with all three credit bureaus ( XXXX, XXXX, and XXXX ). On XX/XX/2018 I mailed a certified copy of my receipt to all three credit bureaus to verify this account is paid /settled in full. On XX/XX/2018 my credit score dropped 52 points! And the reason behind the huge drop was because XXXX XXXX/ Client Services added a negative remark " variable/adjustable rate '' to my credit file. Every month Client Services updates this account with a balance and negative remarks to all three credit bureaus. This account was settled on XX/XX/2018. As of XX/XX/2018 this accounts still reflects late payments, a balance, and negative remarks in my credit file. XXXX  XXXX/ Clients Services last update in my credit file was on XX/XX/2018.