23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello, XX/XX/22 Unauthorized charge made to my card for {$100.00} to XXXX 's. 

XX/XX/22 Unauthorized charge made to my card for {$20.00} to XXXX XXXX. 

On or around XX/XX/22 I disputed these charges IMMEDIATELY upon learning of them being charge to my account. 

On or around XX/XX/22 Venmo replied and denied my dispute. 
They said they reviewed my account and no error occurred. 

I reviewed my debit card agreement between Venmo and I and it says : Rule XXXX Under XXXX Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to Venmo when you knew that your Card was lost or stolen.

Again in Rule 16.1 Protection for Unauthorized Transactions and Other Errors. When an unauthorized transaction or other error occurs in the Venmo Account, including unauthorized transactions that occur because the Card has been lost or stolen, Venmo will cover you for the full amount of every eligible unauthorized transaction or other error as long as you follow the procedures discussed in Section XXXX ( Notification Requirements ) or the Venmo User Agreement, as appropriate ( the Protection Policy ). 

I followed policy in reporting the charges when I learned about them, as well as I have not allowed anyone access to my card or PIN number. The charged were made by someone pretending to be me and submitting my card for payment on my behalf without my knowledge. 

Furthermore, I have attempted to appeal the decision to deny my dispute, and Venmo has made it impossible for me to appeal this decision. Therefore, making me liable for the unauthorized charges when it clearly states in the agreement between us that I would not be held liable and that Venmo would cover me for the charges. 

Therefore, this is not a satisfactory decision to deny, and they are not standing by their own policies. I feel a class action should be filed against them as well for this, as they have denied unauthorized charge disputes before as well when unauthorized charges were made that I disputed in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was repossessed around late XX/XX/XXXX or early XX/XX/XXXX American Credit Acceptance. I redeemed the vehicle within the allotted timeframe. I was told all monies past due, the next month 's payment, fees, and recovery charges were due in oder to redeem the car. So that is what I did. Within a few days of getting the car back, I received a bill saying I owed over {$100.00} after they just said everything was due before I could get the car back. American Credit Acceptance has not reported to ANY of the credit bureaus nor provided me a statement or accurate balance since then. Every week most times several days a week I received harassing calls threatening to repossess my car even though I have made double and triple payments. I've had to take their word and pay whatever they said to pay. They kept saying they weren't bound by law to provide statements once the car had been repoed. This goes on for 27-28 months I had to write down what I paid, when and the balance. They said the was not any interest being charged at this point and the balance was simple, but they would confirm this with writing. On XX/XX/XXXX while getting ready to remit payment for the month XXXX XXXX of month XXXX they say 11 of my payments were reversed and the were picking my up, out to call back sayin it was a mistake. The balance was agreed back in XX/XX/XXXX that it was {$10000.00} and then XX/XX/XXXX the account status change and the balance Is now over {$15000.00}. They still have not fixed this " system issue '', no one has called back to give me an update on it and I been sending letters to American Credit Acceptance and the credit bureaus every month since XX/XX/XXXX and neither have responded to any of my letters. By law, they are supposed to conduct their investigations and respond to the consumer wishing 30 days. Now they have decided to begin reporting again ( INACCURATELY with the balance and missing 27-28 months of history ) and have caused my score to drop almost 60 POINTS!!!
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX. XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

When I was recently checking my credit report for a loan I was applying for, I found a 30 day late payment reported to my account for the month of XX/XX/year>. I am not sure how this happened because I believe I made all of my payments to you on time when I received my statements. The only thing I can think of is that I didnt receive my monthly statement.
Product: Debt collection

I had an FHA approved forbearance from XXXX with XXXX XXXX, I resumed regular payments on XX/XX/XXXX. 
My forbearance paperwork 'Promissory Note ' was sent with incorrect information on the documents. The documents stated I am delinquent 8 payments, my forbearance was only 6. 
My loan was sold without the documents being corrected and this issue left outstanding. The new servicing company is the Money Source. They have also generated the same incorrect information as the previous company and will not make the correction. 
Furthermore, I have asked the legal department and the loss mitigation departments of the Money Source to provide the guidelines to me via email that allows them to charge me an additional 2 payments, so I may be informed. No one has provided that information. The accounting department of The Money Source shows 6 payments due. Please find out why they will not generate paperwork with the correct amount due. I am NO longer in a forbearance period and have been making monthly payments since XX/XX/XXXX. Forbearance is payment for payment. They are now threatening to report my credit if I don't sign the documents. They are telling me that my payments aren't due but I have been receiving monthly statements to make payments for 3 months. 
Please help! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Requested XXXX to reinvestigate Sallie Mae Loan # XXXX which per the response was validated as Accurate. XXXX did not provide a description of the procedure used to determine the accuracy and completeness of the information. 
The Results were the same from the investigation of XX/XX/XXXX and XX/XX/XXXX however XXXX XXXX indicated it has been updated Rating/ Payment received. 
XXXX. XXXX report Sallie Mae # XXXX Origination date Last Payment date XX/XX/XXXX also shows a Charge -off XX/XX/XXXX Maximum Delinquency 90 days in XX/XX/XXXX. XXXX. XXXX report Sallie Mae # XXXX Origination date XX/XX/XXXX Last Payment date XX/XX/XXXX also shows a Charge -off XX/XX/XXXX Maximum Delinquency 90 days in XX/XX/XXXX. XXXX. XXXX report Sallie Mae # XXXX Origination date XX/XX/XXXX Last Payment date XX/XX/XXXX also shows a Charge -off XX/XX/XXXX Maximum Delinquency 90 days in XX/XX/XXXX. XXXX XXXX report indicates payments were made in XXXX. 
XXXX shows Sallie Mae # XXXX were charged off after the statue of limitation had expired. XXXX XXXX shows the re -aging of accounts by Sallie Mae in XXXX when the Last Payment Made was in XXXX. 
Prior to the Spin-Off ( XXXX ), all Smart Option Student Loans were originated and initially held by Sallie Mae Bank , as a subsidiary of legacy SLM. Sallie Mae Bank typically then sold certain of the performing Smart Option Student Loans to an affiliate of legacy SLM for securitization. Additionally, on a monthly basis Sallie Mae Bank sold all loans that were over 90 days past due, in forbearance, restructured or involved in a bankruptcy to an affiliate of legacy SLM. 
Legacy SLM collected Smart Option Student Loans pursuant to policies that required loans be charged off after 212 days of delinquency. In XX/XX/XXXX, Sallie Mae Bank began collecting the vast majority of its Smart Option Student Loans pursuant to policies that required loans be charged off after 120 days of delinquency, in accordance with bank regulatory guidance. For the reasons described above, a portion of Sallie Mae Banks historical performance data does not reflect current collections and charge off
Product: Mortgage

We are currently in process of selling a home. The buyer 's agent and the lender are non-responsive to my agent and staff. We are now 3 weeks past our original close date with no explanation whatsoever. We are also out of contract as of XXXX/XXXX/2016. We will be going to litigation for the buyers escrow as we have no signed extension or cancellation from the buyer. We are currently seeking legal counsel in regards to Movement Mortgage ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) and XXXX XXXX ( XXXX-ID XXXX ) with XXXX XXXX. 
As an out of country seller, the conversion rate alone has costed me over {$2000.00} in the last week of losses. The utilities were turned off for the original close date. Our grass is now dead due to lack of water. We have received no correspondence from Movement Mortgage or XXXX XXXX as to what is happening with this transaction. 
Per the realtor contract, we are entitled to the escrow of {$2000.00}. We will be pursuing this as the lender has caused the buyers default of the contract.
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against cash app ( block , inc ) for the inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ) specifically cash app failed to take and effective measures to prevent fraud on its platform leaving my account vulnerable and unprotected their dispute resolution process was unfair and deceptive as they did not comply with the error resolution requirement under the electronic fund transfer act ( efta ) and regulation E.
Product: Debt collection

The name of the company is Harris and Harris and they call multiple times daily and I have told them I do not owe any debt to them or anyone else yet they continue to harass me. Please help me in stopping them.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  SS # XXXX - DATE OPENED XX/XX/year>
Product: Consumer Loan

Santander has charged me XXXX every month to pay my truck loan with my debit card for 2 years and 6 months. Now they are indicating that it is only XXXX. I want the difference between XXXX and XXXX for 30 payments put on the principle of my loan.
Product: Credit card or prepaid card

I had a problem with PayPal and it's use of my credit cards on their platform and was forced to close my Paypal user account. It also had the wrong email address and did not have a way for me to correct it. Since then for over 1 year I have not been able to log on to my Syncrony bank credit card app because they claim it is forever linked to my PayPal online payment account, even with a newly corrected email and PayPal account they claim that there is no way for me to login and check any transactions on my Syncrony Bank issued credit card, I have no way to check purchase history of my credit card, nor have I received any paper statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I have tried to contact experian via phone call after phone call. I was able to contact experian by email several times within the last 2 months an informed them that they have illegally put a freeze on my account. Experian has not sent me correspondence back after I informed them that they have not been reporting XXXX for 16 months, XXXX  for 4 months and XXXX XXXX for 6 months nor my XXXX XXXX XXXX for 5 months.
Product: Credit reporting or other personal consumer reports

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 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: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Product: Checking or savings account

I opened 2 accounts with Flagstar bank, 1 ) a CD with {$2500.00} and 2 ) a savings account with {$2500.00} Flagstar took the {$2500.00} deposit for the CD and everything is fine with this account. 

Flagstar took a double deposit of {$5000.00} for the savings account, my initial bank ( XXXX ) noticed the error, and made the correction so they pulled back XXXX that had been deposited in the Flagstar Savings account, leaving the correct amount of {$2500.00} in the Flagstar savings, and XXXX in the flagstar CD. 

Since then Flagstar has placed a hold on all funds, and refuses to allow me to withdraw my money, now they are claiming that I only have {$26.00} on deposit with them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for theses violations.
Product: Student loan

To whom it may concern : Thank you for taking the time to look over my complaint concerning Navient. For years I have been a prisoner to Navient. When I decided to take out a private student loan with Navient ( formally Sallie Mae XXXX, I intended to make enough money to repay my loan. Unfortunately, I was not able to pay due to my low income. I asked for forbearance and a deferment with Navient. Yes, I received both, but I was still not able to pay. Years later, I applied to a program from Navient called Rate Reduction Program with Extended Repayment. I thought the program would suit my needs due to my low pay. Unbeknownst to me, the payments go up every six months. For last six years, I've been making on-time payments because I was able to be in a position where I was making a little more money than before. I was still struggling a little bit because I also have a hefty federal student loan to pay for and other bills. Now, my payments with Navient are {$480.00} and will go up again in XX/XX/2021. I do not have a problem paying the bill, but I do have a problem with the payment going up every six months. I can NOT afford the payment going up because I have other bills to pay. What I am enduring is an unfair situation for me. I tried to get my loan refinanced with Navient ; the application I applied to was denied. I tried talking to a manager, but I will get the same story : " the payment can not be lowered ''. One day, I was disrespected by a representative stating : I should've thought about paying loans before I started school. Navient is practicing unfair treatment concerning their consumers. Every-time, I try to take a step forward, Navient is holding me back. I feel like Navient does not care about their customers and what they go through in life. I would love to have my bill lowered and at a fixed rate ( not ) variable. If someone can please help me with this situation, I would greatly appreciate it. I have attached documents showing that I have been making payments and the payment going up. Also, where the loan started at {$18000.00} to now {$61000.00} due to interest rates.
Product: Debt collection

Have a credit card in my name in the amount of {$900.00} with Fortiva that I never signed for or used. It is reflecting on my credit that {$800.00} has been spent that I have no knowledge of. I am requesting full validation of account, I respectfully request to be provided proof of this alleged item, specifically the contract, note or another instrument bearing my signature. I have attached document requesting validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports and found I have unverified accounts listed on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

TODAYS DATE : XX/XX/2019 ATTENTION DISPUTE DEPARTMENT BAY AREA CREDIT SERVICE Reported : XX/XX/2019 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such  repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious BAY AREA CREDIT SERVICE Reported : XX/XX/2019 I have report your company to  consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the  XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

Cfpb case number XXXX follow up Closed loan XXXX/XXXX/17 recision date XXXX/XXXX/17 As of today have not received funds from State Farm closing attorney. 
I had to call and follow up to, get them to send funds, not sure why I 'm doing statemfarms job