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

I trust this message finds you well. I am writing to formally request the closure of my Venmo account, registered under the name XXXX XXXX and associated with the email address XXXX, effective immediately. 

My journey to close my Venmo account commenced on XX/XX/2024, triggered by an unsettling incident on XX/XX/2024. Despite my unwavering determination, I have faced obstacles in closing my account, primarily due to a chargeback or dispute issue that, to the best of my knowledge, neither my financial institution nor I initiated. 

In XXXX, my Venmo account was suspended due to a dispute involving an unknown card with the last four digits of XXXX. This dispute was related to the transactions of {$10.00} made on XX/XX/2024, and {$15.00} made on XX/XX/2024. After a thorough investigation, my bank confirmed to Venmo that I do not have a credit or debit card associated with the mentioned digits. Consequently, my Venmo account was reinstated on XX/XX/2024. As a responsible user, I promptly reimbursed the respective requestors for {$10.00} and {$15.00} on XX/XX/2024. 

In my pursuit of resolution, I have been diligent in taking the necessary steps to authenticate this assertion. This included direct communication with my bank, which confirmed that neither a dispute nor a claim originated from them or my account. I am sharing email correspondences and screenshots of phone calls and transactions documenting these efforts here, underscoring the earnest endeavors to validate the assertions mentioned earlier.

Considering the circumstances outlined above and the unsatisfactory experiences with Venmo, I respectfully restate my request for immediate action to close my Venmo account. Your prompt attention to this matter would be greatly appreciated. 

Should you require any further information or documentation, please do not hesitate to contact me at your earliest convenience. 

Thank you for your understanding and anticipated cooperation.
Product: Debt collection

my identity was stolen there was accounts fraudulent in my name some address I have never lived at these accounts or addresses I need these accounts to be removed from my name and my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my Venmo account ( both personal and business ) was permanently suspended, yet I still have no idea why. After going nowhere with my assigned account specialist, I asked to speak to someone else and he told me there was no one else and the company would no longer be responding to my messages. I have a balance of {$29.00} stuck in my business account and {$32.00} stuck in my personal account. 

In the month of XXXX, I received 3 payments to my business account ( all from established clients and 1 payment to my personal account ( funds from a class action settlement ), then transferred those payments to my linked bank accounts, same as I have been doing for several years now. Not suspicious activity in my book but I was willing to hear the reasoning. However, my assigned Account Specialist XXXX XXXX maintains that it is company policy to refuse to even hint at the " violation '' that led to my permanent banning from the platform. I explained to him that I am not interested in figuring out how the internal systems function, I simply need to know what " violation '' was made so I can figure out how to mitigate any risk I may encounter as Venmo has my full SSN, direct access to my bank account, my drivers license, my birthday, my phone and email, my business information, link to my business bank account, etc. I get that there are automated systems that flag certain behavior, that's great. But to be blacklisted after a manual review by a live person with no discussion or attempt to validate that this alleged 'suspicious ' behavior had anything to do with me is incomprehensible. 

I tried unsuccessfully to resolve this matter with XXXX. He told me to review the User Agreement ( which is 31,279 words in case you were wondering ) and try my best to guess what had happened. When I requested to speak to a supervisor he replied with " Unfortunately, I am unable to facilitate your request. As an Account Specialist, this case is being handled by Venmos highest customer-facing team. As such, I do not have anyone else that I can escalate this matter to. I apologize for any inconvenience this may cause. Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. '' I have a hard time believing that there is no one XXXX could have sent my concerns to. While I am sure that XXXX was just repeating the carefully scripted dialogs Venmo provides, I don't understand how it benefits the company to blacklist willing and active customers and not tell them why. 

What makes this situation difficult is that it was completely out of the blue. No warning, no notifications, no communication. Just straight to permanent lifetime banning. Seems pretty harsh but then again, I don't know the " suspicious activity '' that prompted the action. My account was verified and I have been using Venmo for years without issue. I get the importance of account security and I complied with all requests for further documentation and verification.
Product: Debt collection

I am XXXX  and used telecommunication device to call. They hung up the phone on me. 
I called back and they would not answer. I had someone call for me and they said they would call me back. They never did. I had someone call for me again and they said they could not speak to that person and they threatened to take me to court. They called a line based number but again would not talk to that person even though they told them I was deaf so the person asked them to stop calling. I received a settlement letter and called and left a message for return call but again they never did. I called again and no answer. I am disable and receiving disablility and unable to pay. Months later they sent more documents asking for payment but won't accept my relayed calls. 

This whole process after years of wating, denied secondary exemption and began again XXXX 2024. I just received a package in XX/XX/year> and seems this whole process is starting all over again. I am XXXX  and us telecommunication device or another perso to speak for me. I am currently on XXXX and am asking them to honor the request to exempt and cancel all debts in regards to this matter. To cease threatening me with court and when a XXXX  person calls to accept the call and return calls when promise they will do so.
Product: Debt collection

Dispute of Late Payment XXXX XXXX XXXX ( Account # XXXX ) Dear TransUnion Team, I am writing to formally dispute the late payment reported for my account with XXXX XXXX XXXX, account number XXXX. While this account is marked as paid and closed, I have noticed that it reflects a derogatory late payment status of 60 days. 

**Points of Dispute : ** 1. **Late Payment Accuracy** : The record indicates a late payment status, with the last reported activity dated XX/XX/year>. I believe this late payment is inaccurate based on my payment history and the account being paid in full. I respectfully request verification of the alleged late payment, including any documentation that supports this claim. 

2. **Impact on Credit Report** : This late payment adversely affects my credit score and my ability to obtain favorable credit opportunities. Given that this account is closed and paid, it is my request that any negative reporting be reconsidered.

3. **Request for Investigation** : Under the Fair Credit Reporting Act, I request that you thoroughly investigate this matter. If you can not provide adequate verification for the late payment, please remove it from my credit report. 

Please send me written confirmation of the results of your investigation and any updates made to my credit report. 

Thank you for your attention to this matter.
Product: Student loan

I had a student loan go into default and in XXXX of XXXX, I went into a rehabilitation program with Credit Adjustment. They sent me paperwork and I signed all the paperwork and they have been taking payments since XXXX and they stopped in XXXX with no notification in writing as to why. In review of my bank account I realized the amount agreed upon was not being deducted this is when i called to the collection agency and was advised that I did not qualify for the rehabilitation program because they made a mistake. In XXXX XXXX, I was put through an approval process and I complied with all requirements in a timely manner, I was approved and the agreement was signed and everything was fine. I have spoken to them on several occasions about the problem with no success of getting them to honor the agreement. I have not received a definite answer other then the fact that she does not qualify. Why did I qualify in XXXX of XXXX and not in XXXX of XXXX? I have the signed agreement and all the paperwork from XXXX of XXXX. I just wants them to hold up their end of the agreement. I has completed everything they have ask of me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Student loan

I have been attempting to make payments to my private loans with Sallie Mae since XXXX/XXXX/XX/XX/XXXX and in each instance the payment I had submitted has been reversed, therefore incomplete. the total payment amounts have been amassing to ridiculous totals since no payments have been processed by Sallie Mae, and because of this, in XXXX XX/XX/XXXX I was forced into forbearance as this was the only solution they could offer me. Now, in XXXX XX/XX/XXXX I am STILL experiencing the same issue after many hours spent dealing with Sallie Mae customer service and reaching no solution. I do not wish to enter forbearance again, I simply wish to be able to make my payments in good faith as I have been trying to do so for quite some time. My interest continues to increase while Sallie Mae can not resolve the issue. Insufficient funds on the payment card is NOT the reason for this. I am a military wife living overseas with my husband and I can not afford to pay thousands of dollars towards my loans each month with building interest because Sallie Mae is unfit to handle and process my loans on time.
Product: Payday loan

They keep harassing me calling my job and putting my job in jeopardy ..after months of talking to Wisconsin acceptance customer she said she would work with me n now coming to find out there are trying to garnish my checks and put a judgement on my name and that 's not far the loan amount was XXXX now they want XXXX plus XXXX dollars to stop garnishment o want the phone calls to stop
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, section 602 ( a ) emphasizes the importance of consumer reporting agencies acting responsibly with fairness, impartiality, and a respect for consumer privacy. Transunion, XXXX, and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is protected. This right is reinforced by XXXX XXXX XXXX, which mandates that financial institutions respect the privacy of their customers and protect the confidentiality of their nonpublic personal information. As per 15 USC 1681, section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report with the written consent of the consumer. I have not given XXXX, XXXX, Transunion, or any financial institution my written consent to share my information. Therefore, any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. According to 15 USC 6802 ( b ) ( c ), financial institutions must inform consumers of their right to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. I was not informed of this right by the information furnishers to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may include adverse information in a consumer report that is older than XXXX years, except for records of convictions of crimes. The adverse account being reported by XXXX and XXXX is without my permission and is against the law. Furthermore, 15 USC 1681s-2 ( A ) ( 1 ) ( A ) states that a person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. Also, 15 USC 1681e requires consumer reporting agencies to maintain procedures to prevent violations of section 1681c and to ensure that reports are furnished only for permissible purposes. Transunion, XXXX, and XXXX are failing to maintain these procedures. Lastly, under 12 CFR 1016.7, a consumer has the right to opt out at any time. I am exercising my right to opt out of the reporting services of Transunion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to each credit reporting agency Experian, XXXX, & XXXX notifying them to update my personal information. There are many variations of my name, & outdated residential addresses. Despite me showing proof of my current address and my only legal name these agencies have failed to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a pre qualifications with PayPal Credit syncb ppc .they only ask for the last 4 digits next thing I now its a hard inquiry on my credit report they ware only supposed to do a soft pull not a hard pull
Product: Debt collection

I was a victim of identity theft by a family member. I disputed a fraudulent credit card debt with Navy Federal Credit Union and all credit bureaus. I contacted Navy Federal on today XX/XX/2023. I was transferred to the credit card department I was asked for my social security number I explained to the rep in brief detail why I was calling. My main purpose was to ask why someone in their ( Navy Federal ) credit card department was fraudulently reporting erroneous payment data to XXXX, XXXX, and XXXX XXXX. I explained to them that they were in violation of the FRCA which is a serious violation. Navy Federal is not only reporting a fraudulent account but increasing the balance by small denominations. When I realized the account was on my credit I called and requested it be closed down this was in XXXX but yet Navy has reported the following data for the last 5 months as 30, 30, 30, 60, 90 days late. This is fraudulent. I did explain that they have an obligation to provide me with validation of debt. The representative I spoke with stated that her supervisor told her to tell me that they couldn't speak to me further because I was seeking legal action against them. But yet they have the audacity to try and intentionally harm my credit.
Product: Credit reporting 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency failed to provide verification for accounts that are on my credit report that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  XXXX XXXX and had spoken with a supervisor today. The supervisor was very helpful. And she also gave me detailed info about communication attempts for an income Affidavit sent. I both mailed and faxed over proof of income. I also sent over assistance proof for supplemental food payments, housing assistance, and energy Bill assistance via mail and fax. I called after I noticed that XXXX  XXXX XXXX was reporting XXXX behind when I never committed to a payment due to employment not being gainful due to failed attempts to contacting me. The email and number on file were not active and/or able to be accessed. I appreciate the clarification of information from the supervisor on todays call, I was just taken aback when she notified me of a letter I never received communicating that I will have to pay the balance in full. I never received it to the address on file. I still currently live at the same address. Full payments always evokes a sense of urgency in me. So, I know I never received the letter in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the 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. 

Pursuant of 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a credit report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This credit card I used to originate every consumer credit transaction below. They should be removed from my transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 14. 

XXXX
Product: Debt collection

I do not owe the full XXXX $ balance. I made payments on this loan and I should only owe about 100 $ left because I only borrowed XXXX . I was told that the debt does not go up.
Product: Debt collection

I was notified by my employer on XX/XX/XXXX that a garnishment was being taken out of my account. I was not notified by Glasser and Glasser P.L.C. There was no prior notice and funds were immediately taken out on XX/XX/XXXX. Again there was no notice outside of the email from my employer, no option to try to handle any other way, I didn't even know that the company was trying to collect payment. This is credit card debt from XXXX that has already been written off by the original lender and this account is also no longer on my credit report. Before wages were garnished, I should have been notified or given other options to settle or make payment arrangements. I was blindsided and was not able to pay rent on time. Nor will I be able to pay for rent the following month on time due to the amounts that were taken : Week 1 - XXXX Week 2 - XXXX Week 3 - XXXX Week 4 - XXXX Total XXXX On the garnishment notice I received from my employer, the garnishee is a name that I don't recognize : XXXX XXXX XXXX
Product: Debt collection

I previously worked as a XXXX party retail seller for XXXX and my XXXX and XXXX was supposed to be at a discounted price the did not disclose that if I change services then I would lose that discounted price.
Product: Credit card or prepaid card

We were robbed while celebrating 10-year wedding anniversary in XXXX XXXX XXXX My wife 's id and Wells Fargo credit card was stolen. Also our XXXX XXXX XXXX was stolen among other things. Our Wells Fargo credit card was fraudulently used for the total amount of {$5500.00}. We filed a police report with XXXX XXXX XXXX XXXX XXXX XXXX. Report # XXXX. We provided all of the above information to Wells Fargo. They reviewed our claimed and denied it. They reposted all the transactions, even though banks are required by law to be responsible for reimbursement of all fraudulent credit card transactions. We are asking for help resolving this situation with Wells Fargo. 

Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} {$5500.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$2100.00} {$5400.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  # XXXX {$79.00} {$3300.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} {$3200.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX {$79.00} {$1600.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} {$1500.00}
Product: Credit reporting or other personal consumer reports

Subject : Identity Theft - Incorrect Reporting of Fraudulent Account Dear CFPB Representative, I am submitting this complaint regarding an account that continues to be reported on my credit file despite multiple attempts to have it removed. I am a documented victim of identity theft, and this fraudulent account does not belong to me. I have made numerous efforts to dispute this matter with Experian, XXXX, and XXXX, as well as with XXXX XXXX XXXX and XXXX XXXX XXXX, but the issue remains unresolved. 

The account in question is : Account Number : XXXX Original Creditor : XXXX Current Owner : XXXX XXXX XXXX Reference Number : XXXX XXXX XXXX XXXX has previously acknowledged my fraud claim and indicated that the account was closed, with a request submitted to remove the tradeline from my credit report on XX/XX/year>. However, despite their acknowledgment, this account is still being reported on my credit file, causing continued harm to my financial standing. 

I have attached a reference letter from XXXX XXXX XXXX confirming that the account was to be removed. This is my final attempt to have this issue resolved before pursuing further action. I request that the CFPB take immediate action to ensure that this fraudulent account is permanently deleted from all three credit bureaus. 

I appreciate your prompt attention to this matter and look forward to a resolution. Please feel free to contact me should you require any additional information. 

Sincerely, XXXX XXXX Attachments : Reference letter from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry that appears on my credit report. The inquiry in question was not authorized by me, and I believe it is fraudulent or unauthorized.