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

I has used venmo a few times before without problem. On or about XX/XX/2021, I used venmo to send {$50.00} to another person. And venmo wanted me to provide personal information which I do not feel comfortable with. I immediately asked venmo to either cancel the transaction request or send the money to the other person. However, venmo refused to cancel the transaction and also refused to send the the money to the other person. On XX/XX/2021, despite of my written objection, venmo withdraw {$50.00} from my bank account, and insisted they are going to hold my fund indefinitely or until I provide personal information to them. Today, XX/XX/2021, they are still " in review '' my transaction, and according them, they are not going to finishing review until I provide them my PII. 

According to the FAQ on their own website, https : //help. venmo.com/hc/en-us/articles/360027356113-ldentity-Verification " If we're unable to verify your identity... You'll also still be able to make payments to others using a linked debit card, credit card, or bank account. '' Regardless whether or not they have legitimate reason to request PII, I feel I do have right to refuse and not use their service. They do not have my authorization to withdraw fund from my bank account. When they did take money from my account, they should immediately refund to me after my objection. However, they choose to ignore my request. What they are doing is bullying and robbery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got and email saying Gm financial and XXXX XXXX did a hard inquiry in my report which caused my credit to go down XXXX points. I did not authorize this credit check or background check what do ever.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX, within a provisional state. My spouse has the account, I'm an additional user however they are not willing to give us the XXXX benefits. They're only offering the MLA, I do not want the Military Lending Act. Since I am eligible for SCRA. With my tax state being Ohio, I am a provisional state which I qualify for. Attached is my LES that show Ohio as my tax state, and my XXXX XXXX orders that show XXXX XXXX is my spouse. XXXX Individuals Covered by the SCRA Members of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX SCRA protections extend to servicemembers dependents, which generally include spouses, children, or any other individuals for whom the servicemember provided more than one-half of the individuals support for 180 days immediately preceding application for relief under the Act. ( including reserves ordered to XXXX XXXX ). Ohio extends SCRA benefits for debt incurred WHILE XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. including debts, not just those incurred prior to XXXX XXXX. A creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries that appear on my credit report. I recently reviewed my credit report and found inquiries from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX that I did not authorize. These inquiries were made on [ date of inquiry was XX/XX/XXXX XXXX XXXX  for XXXX XXXX ], [ date of inquiry was XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ], and [ date of inquiry was XX/XX/202XXXX XXXX XXXX XXXX ]. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute unauthorized or inaccurate information on my credit report. I request that you initiate an investigation into these inquiries and remove them from my credit report if they are found to be unauthorized.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate 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 notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I 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: Credit reporting or other personal consumer reports

First I've already been a victim.Have a class action lawsuit against credit karma.And received a statement check less than two months ago. Also XXXX XXXX XXXX Did in fact frauduently access my credit karma account, Also along with XXXX XXXX  and XXXX XXXX ( XX/XX/year> ). 

Two very serious issues going on with credit karma right now. They are hiding my entire credit profile To make it look like I have no credit. These actions only Only aide Two criminals like my sister XXXX XXXX Who mis use identity To obtain government assistance Such as social security Or d s s. I've had this credit karma account for 7 years And open Credit. 
Accounts that I have that are in good standing And the monthly payment is being met. 

The other issue on the table is the fact that the class action Against credit karma Was for their guarantee of credit approval. They have. 
One sitting there right now With the company of XXXX  Using personal information of mine Updated previously and know that i'm not using such as XXXX XXXX XXXX XXXX NY XXXX
Product: Checking or savings account

PNC Bank have put something in the system that wont allow me to open a account with anyone. Stating that I owe them some money and I dont. I called the number provided and they will not call me back or respond to any of my messages
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY INFORMATION TO OPEN THESE FRAUDULENTS ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX CRAS. On XX/XX/2020, I mailed XXXX, XXXX   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

I am the author of this complaint. I applied for an apartment and was denied due to an account being on my credit report. The leasing manager reached out to me and told me that XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) was the account responsible for my denial. I have to relocate within the next 30 days and this company has caused me great harm and inconvenience. I paid an application fee to XXXX XXXX XXXX but ultimately decided not to move forward with moving in. XXXX XXXX XXXX reimbursed me the application fee via check in the mail but now they are making collection attempts and reporting on my credit report. This company is reporting on my credit report falsely, inaccurately, and fraudulently. I exercise my right to opt out of all reporting from this company to my credit report and I exercise my rights under the Fair Credit Reporting Act to have this account removed immediately This company has violated 15 US Code 1681s-2b in their responsibility as a furnisher, they also did not provide me with my opt out rights in the terms and conditions as required by law to provide 12 CFR 1016.7section a. This company should be held under civil liability for non compliance pursuant to 15 US Code 1681n
Product: Credit reporting or other personal consumer reports

My credit is on freeze status. On my XXXX XXXX, 2024 Drive Financial reported an inquiry on my credit report which I did not apply for. 

Please remove immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an old, disputed account reappeared on my credit profile. This item was disputed in XXXX and reappeared on my report XX/XX/XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 611 and Section 617 if the UNVERIFIED item/s listed are not deleted immediately. After the investigation this item was deleted. Unfortunately, the joy was short lived. The item has returned back to my account and creating more harm to my report and current lifestyle. As per mandatory by the FCRA 611 ( 15 U.S.C. 1681I ) it is required that you guys send me ( within 5 days ) a certification of accuracy and also a notice of the updated information. I havent received any of this, because of this, I am demanding you remove all information associated with this debt from my credit report instantly!

Also, under pursuant to 15 USC 6802b ( 1 ), A financial institution may not disclose non public personal information to a non affiliated third party ( which are the bureaus, they are non affiliated third parties ) unless -- Pursuant to 15 USC 6802b ( 1 ) a, b, c such financial institution clearly and conspicuously discloses to the consumer, in writing in electronic form or other form permitted by the regulations described under section 6804 of this title, that such information not be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to DIRECT SUCH INFORMATION ; NOT BE DISCLOSED to such third party ; and ( C ) the consumer is given an explanation of how the consumer can EXERCISE THAT NONDISCLOSURE OPTION. XXXX never disclosed to me this information or gave me my explanation of how I can exercise my nondisclosure option which is my right by law to not have this reported.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The Equifax ad XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  Balance : {$0.00}.
Product: Mortgage

When shopping for a home loan, one of my criteria is that the mortgage company would have a bi-weekly or twice-monthly payment plan that accelerated the payoff of the loan, and saved considerable interest, by crediting interest savings from the split payments. 

The loan officer representing Citizens One bank stated his bank had such a plan. He even documented how the plan would work in explicit detail in an email message. 

However, when the payments were made bi-weekly, starting in XX/XX/2019, reconciling mortgage statements with the amortization schedule provided at closing, it was apparent that the payments they were not being applied as expected given the documented explanation of the loan officer employed by Citizens One. 

What happens is that Citizens One buffers the payment until the due date and applies the split payments as one payment. So, there is no accelerated payoff from this aspect of the program. By making bi-weekly payments, there are two months of the year where three payments are made, amounting to an annual principal deduction equivalent to one monthly payment. The interest savings and payoff acceleration from this aspect of the program are inconsequential. 

After unsuccessfully trying to resolve this will the loan officer and Citizens One phone representatives, the loan officer transferred the complaint to the Citizens One Office of the Chairman, and I lodged a complaint with the XXXX XXXX XXXX in XXXX. I provided the representative of the Office of the Chairman with a detailed accounting of the problem in a document that included the loan officer 's explanation. The representative responded via hard copy mailed on XX/XX/2019, and via a XXXX response on XX/XX/XXXX. 

In her response, she stated that the payment plan does not process payments in the manner explained by their loan officer, and I would not realize the accelerated payment or interest savings as expected. However, she did not directly acknowledge that the loan officer misrepresented the payment plan. This leads me to believe that the loan officer will continue to misrepresent the payment plan, and so this complaint to the CFPB. 

I will provided to the CFPB the documentation provided to the Citizens One Office of the Chairman as an attachment. 

It is my belief that Citizens One is an untrustworthy mortgage company and should be investigated for this misrepresentation.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
This item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Checking or savings account

I had a checking and saving account XXXX with Citibank. 
Citibank sent me an email on XX/XX/XXXX and mentioned my account will be closed in 60 days while my account still had {$3900.00} balance. My account was freeze and transactions were declined transactions since then. 
I didn't consent the account closing and I wasn't given a good reason for closing the account. 
I also never receive the balance refunded. 
I've contacted Citibank over the phone many times for a refund on XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX but they either asked me to wait for a check refund, asked me to visit a branch, or hung up my phone call. 
I also visited Citibank branch in XXXX XXXXXXXX XXXX on XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX XXXX but they asked me to wait for a check and didn't provide a refund. 
After 3 months, I still didn't get my money back, never receive a check and all Citibank staff I met or called didn't help me resolve this issue. They also refuse to escalate this issue. The worst bank customer service I've seen.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX Principles ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING XX/XX/XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XX/XX/XXXXAccount Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete this account. 


4. 15 U.S. CODE XXXX - PXX/XX/XXXXA Date of inquiry : XX/XX/year> Please remove it from my credit report. 


5. 15 U.S. CODE XXXX -XX/XX/XXXX CXX/XX/XXXXate of inquiry : XX/XX/year> Please remove it from my credit report. 


6. 15 U.S. CODE XXXX - XX/XX/XXXXDate of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - XX/XX/XXXXate of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.


Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft
.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019. My Mortgage was transferred from Seterus Inc. to Nationstar/Mr. Cooper. My Credit score have been declining ever since without proper notification or reason. Recently as today, XX/XX/2019. My credit score went down by 69 points. When I read the reason for credit score declining through XXXX credit monitoring monitoring service, the reason states credit limit decreases from {$130000.00} to {$120000.00} reported by NationsStar/Mr. Cooper. The amount reflects the amount mortgage going down. I would think that my credit score should go up since I am paying off my mortgage and this is not a credit card with credit limit. This is more absurd than anything since and I am not sure when we started to treating mortgage as credit limit instead Mortgage installments payments. So, I then looked recent homes sold within 5 miles radius through XXXX and other agencies real estate websites for homes like my own size or smaller. I discover most sold for over {$200.00}, XXXX and few around {$170.00} to $ XXXX. This made me more confused to why I am being penalized for always paying my bills on time and my credit is getting lower the more pay down my mortgage. I contacted Mr. Cooper/NationStar bank and they did not give any reasonable explanation to why this is happening, but my XX/XX/XXXX credit monitoring service clearly pointing the problem as Mr. Cooper/NationStar bank credit reporting. 

My Mortgage address is : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX The mortgage bank is : NationStar/Mr. Cooper XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number is : XXXX
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit card

I went ahead and placed an order on Samsclub.com for XXXX, buying a bedroom set and mattress set. I went ahead and returned the items, however Samsclub has only credited me for the mattress set, XXXX. I have attempted to have the remainder credited and interest fees since the purchase was made on XX/XX/XXXX and here we are on XX/XX/2016 and the mattress credit was made on XX/XX/XXXX. I have been waiting and waiting with no avail. Please help.