23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a Venmo account, that I use for business, a client sent me money through Venmo, and it is a significant amount. On Friday, XX/XX/XXXX,. XXXX, I was only able to pull out enough money to open my business bank account, and get some food. After that, Venmo froze my account for I don't even know what reason. I submitted in my Government Issued ID more than once to them on Friday when it froze and the only communication I had was to submit in my IID and then call to verify that was everything was me and that it would be open again. 

I did all that with no prevail, I have been calling every day since Friday to get my account unlocked and they still will not lift the suspension. I have bills to pay, I have to pay on my truck, I have to pay my landlord all with this money to keep my business going and they are not waiting no XXXX days that Venmo has XXXX I've also tried to get the money OFF my Venmo account and tried putting it either on PayPal or my actual bank account still with no success. 

I just want my account unlocked so I can get my funds off this account.
Product: Mortgage

We applied for a modification with the mortgage company ( Caliber Home Loans ). We submitted complete package in XX/XX/XXXX. The modification cane back with a 5 year lower interest rate, at the end if that term the payment tripled. We called in, and a single point of contact person told us to appeal the decision. We write in again asking for a long term fix. They denied that appeal. They did told us to reapply for another modification, because the first one is off the table. We submitted documents again, the modification payment tripled. We appealed that, and were denied in appeal again. We were told to resubmit, as we did. We submitted on XX/XX/XXXX. We were placed in a forbearance agreement., after waiting thirty days for an answer to the modification. We never agreed to that, or asked for that. Then to cancel that, we had to be recorded saying we refused it, and all rearage would be brought current immediately. Once again not what we asked for. Six months later, we have resubmitted Paper work again for a modification. Each single point if contact has different answers, and no way to get information we need. We are told there is not anyone else to talk to ... a nightmare ....
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX ( XXXX ) for inaccurately reporting a debt on my credit file related to XXXX XXXX Apartments. XXXX has indicated that I have not made any monthly payments, which has resulted in a c ( collection ) status being reported each month. However, I have never entered into any agreement with XXXX that obligates me to make monthly payments on this debt. 

While there XXXX have been an original agreement with the creditor, that agreement does not extend to XXXX without my consent or a signed contract specifically with their agency. Therefore, their reporting of a payment history is both misleading and inaccurate, violating the Fair Credit Reporting Act ( FCRA ). 

Due to this inaccurate reporting, I have suffered significant damages, including but not limited to : Denial of multiple credit card applications Denial of a {$100000.00} auto loan Denial of a {$400000.00} home loan If XXXX fails to respond adequately, I am prepared to take further legal action to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 
I am willing to give you XXXX final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence. According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX  # XXXX 15 U.S.C. 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 an account without my written instructions.

15 U.S.C. 1681 C ( 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 got denied credit and an opportunity after a credit check so i pulled my credit report to see why when i did i noticed that i have a bankruptcy reporting on my credit report so i reached out to the court listed on the bankruptcy they weren't able to verify that there has been a bankruptcy filed in my name they also let me know that they do not report anything to the credit bureaus so i am curious how the bureaus verified and validated that the bankruptcy does in fact belong to me. XXXX has already removed this inaccurate information from their records. I want a notarized letter or affidavit swearing under the perjury of oath that this bankruptcy does in fact belong to me i have been trying to get this issue resolved for months you are reporting inaccurate information, and you ae violating my rights to privacy as a federally protected consumer, I demand this inaccurate information be deleted from my consumer reports within 4 days of receipt of this complaint I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to Fed Loan Servicing. They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ), 15 U.S. 1681a ( 2 ) ( B ) and 15 U.S. 1681b ( a ) ( 2 ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the XXXX XXXX XXXX XXXX ( 15 U.S. 1681a ( 2 ) ( A ) ( III ). VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ). Fed Loan Servicing is not reporting accurate information. On my XXXX credit report, there is an " X '' placed on dates XX/XX/XXXX and XX/XX/XXXX where the data is unknown. I have supplied the XXXX XXXX for XXXX. If the data is unknown, this is not 100 % ACCURATE! That is a violation of 15 U.S. 1681e ( b ). Fed Loan is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of 15 U.S. 1692J. Pursuant to 15 U.S. 1692K, Fed Loan must comply to any provisions to make my credit report compliant.
Product: Credit reporting or other personal consumer reports

The 3 agencies Transunion, XXXX, and XXXX have a fiduciary duty to make sure accurate information is reporting on a consumer 's credit file. XXXX XXXX XXXX XXXX is reporting 2 accounts that is causing harm to my credit profile XXXX auto loan Reporting at {$4500.00} and credit card Reporting at {$5300.00}. Both these accounts has been discharged via 1099C filing, Which Canceled the Debt/ Charged off. Per IRS Publication 4681 a Charge off is considered Income and is to be filed on my tax return. ( See Exhibits below ) The Credit balance of theses accounts should reflect {$0.00} full balance paid in full and remove any negitive reporting. This is my 4th time this year complaining about the reporting from this Company. at this point there is no need for a Fake investigation per your E-Oscar system. this needs to be updated IMMENDIATELY. 

This Complaint is Governed under Fair Credit Reporting Act and The Privacy Act of 1974.
Product: Debt collection

Contacted agency to request validated and sent me a letter of unsigned contract without my info.
Product: Checking or savings account

Back in XXXX there was several checks deposited into my account that was not mines nor that I didn't deposited and I was charged a nice fee. Then back in XXXX the same thing happen again both times I had to pay the bank back and open a new account
Product: Credit card or prepaid card

On XX/XX/XXXX I was reviewing my bank statements from chime and I noticed that my card was used for multiple ATM withdrawals without my consent. The following transactions are were taken out of my account. XX/XX/XXXX {$160.00} was withdrawn XX/XX/XXXX {$200.00} was withdrawn from my account on XX/XX/XXXX {$260.00} was withdrawn from my account on XX/XX/XXXX {$200.00} was withdrawn from my account on XX/XX/XXXX {$300.00} was withdrawn from my account on XX/XX/XXXX XXXX was withdrawn from my account on XX/XX/XXXX XXXX was withdrawn from my account on XX/XX/XXXX {$83.00} was withdrawn from my account totaling in XXXX that was taken from me. After reviewing all of these transactions I immediately called chime to file a dispute. My first dispute filed with them was denied they told me that they need more supporting documents for my claim after speaking with them over the phone I sent them supporting documents letting them know the locations where the transaction occurred and how they were in multiple spots all around XXXX XXXX not near myself. Also how during the time I just started school so all my time was spent mainly on campus or at work. After I filed a rebuttal my claim was still denied after that I sense more documentations of my school schedule and my work schedule showing them that during the times of the transactions I was either at work or on campus at school. They still denied my claim even after I sent them the documentation that they were asking for. I then decided to ask them to send me their report over why they denied my claim after viewing the report I was able to see that the dispute team did not try to really look into my claim they said that I was using the card that I locked because fraudulent claims are found on it even though I was not using that card since it was locked. I have rebuttal them on their dispute review showing them how they did not handle the reviewing of my claim correctly and how they made multiple mistakes and they still denied my claim. After sending them so many supporting documents for my claim they still deny it at this point I can see there is nothing that I can do with chime for my claim and to get my money back. I explained to them how one of my cards was on my phone as a form of XXXX pay and how that phone was stolen yet this still does not matter to the company I've tried numerous of times to try to be patient and try to give them documents however everything I do just results in a denial of my claim. Lastly I was told that my claim would come to a final decision on XX/XX/XXXX I waited all day to see their decision however they never got in contact with me to let me know their decision. I had to get in contact with them to find out what their final decision was which makes me see that the dispute team of chime is not trying to diligently work on my claim since they forgot to make me aware of their decision. I have many more forms of documentation if any is needed please let me know and I can send more.
Product: Credit card or prepaid card

On XX/XX/2021 I was on a XXXX XXXX flight when I was given a promotion for a XXXX XXXX XXXX credit card issued by Barklay Bank.

I called Barklay Bank today, XX/XX/2021 to access this promotion. I was told I could not access that offer via telephone and that they were not offering the promotion online either. I received the brochure and there was no written application attached. I asked to speak to a Supervisor and was told no one was available. I believe this to be deceptive advertising. The agent at Barkclay Bank offered me a different promo with different benefits that were different from those listed on the brochure. 

I am attaching a copy of the brochure I received. 

XXXX XXXX XXXX XXXX. XXXX. XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my Chase credit card customer service claimed they regularly review account and credit information for all of their customers. Based on their review, they decided to substantially reduce my credit line from {$15000.00} to {$7700.00}. Chase claimed their decision was based on delinquency reported within the last 48 months, balance owed on revolving accounts too high, and account in collections in the last 48 months. They also said XXXX was their source and that my credit score was XXXX. <P/>First off, I obtained my Chase credit card on XX/XX/XXXX by a " pre-approval '' offer sent by Chase so that trumps their argument of delinquency reported within the last 48 months. Secondly, my revolving credit card balances they claim are too high is below 30 % on most of my credit card accounts. I always pay my bills on time. As of XX/XX/XXXX my Equifax credit score was XXXX. I believe this is a criminal and unlawful attempt to derail my credit worthiness. This decision came without notice, and has now demolished my credit ratios, and is adversely affecting my credit scores. Chase customer service has been very unhelpful. Chase has broken their fiduciary responsibility to their customers private information. I seek swift punishment to those behind this act.
Product: Credit reporting or other personal consumer reports

I should not have a child support account on my credit report. Yet XXXX refuses to remove it. 

Forcing me to be unable to purchase a home.
Product: Mortgage

Wells Fargo continues to mishandle the escrow calculations on my home mortgage account. Earlier this year, they made numerous mistakes which required CFPB 's intervention. Shortly after appearing to resolve the matter, in XX/XX/2018, they again made mistakes with a " new '' escrow calculation/analysis, in which they simultaneously accused us ( in the same document ) of both underfunding and overfunding the escrow account. This company has simply no concept of how to correctly collect, calculate, and pay escrow. We have had numerous correspondence with the company, but as of today, they have not done a correct escrow analysis or changed their demands that we overpay the escrow amount in XX/XX/2018 and going forward. We request CFPB intervene with them, and ask them to comply with their regulatory and contractual obligations on the handling of escrow accounts.
Product: Debt collection

I have asked Commonwealth Financial to validate a collection they are reporting on my credit reports on XXXX, XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$22000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was defrauded through XXXX XXXX. The scammer advertised furniture for sale and requested a {$100.00} deposit via Zelle to " hold '' the item, claiming high interest from other buyers. I sent {$100.00} via Zelle to XXXX with the promise of next-day pickup. 

I discovered it was a scam after finding identical furniture listings posted by the same seller under different names across multiple US locations. I immediately reported this to both XXXX XXXX  ( case # XXXX ) and Zelle ( case # XXXX ). 

This scammer continues to actively defraud others using the same method. I have collected : -Screenshots of multiple fraudulent listings -Our message history -Zelle transaction records Their consistent pattern is : -List discounted furniture on XXXX XXXX -Request Zelle deposits to `` hold '' items -Create multiple fake accounts to repost same listings -Never deliver promised items Despite reports to XXXX, the scammer remains active using the Zelle account linked to XXXX. Immediate investigation is needed as they continue to defraud new victims daily using this same scheme. 

Zelle has refused to investigate or reverse the pending transaction. XXXX is also refusing to reverse the pending transaction with both parties sending me in circles to resolve this problem.
Product: Mortgage

My husband and I filled chapter XXXX in XXXX XXXX. Since then our payments have been missapplied. After chapter XXXX was discharged, we received a certified letter from Wells Fargo stating that our loan was 6 month behind. We were at 7.1 % rate. Once I started to work the their loan department to show the prove of the payments, as of XXXX XXXX my loan stmts show interest rate of a 0 %, and each monthly payment that we make puts us behind more, meaning I make a payment it goes against principal but then it adds back to amount due. Now XX/XX/XXXX, per Wells Fargo we are 10 month behind. So every payment we make they missapply. Its been a 8 month battle, no one can give us any answers, our credit history getting ruined..Who can help us?? Please ... I have all the bank stmts for the last 7 yrs showing pmts made. Interest and principal have been missapplied. Please help. 
Thank you, XXXX XXXX
Product: Debt collection

Someone with my name has a collection and it was placed on my credit report. It is a XXXX XXXX  from XXXX XXXX XXXX in XXXX XXXX XXXX XXXX  for XXXX. I have never used this utility company and have never lived in XXXX. I filed a dispute but Transworld and XXXX said they found it accurate and will not remove it. If investigator was smart, they can compare this collection with my credit report and addresses and conclude it was placed on my credit report in error and needs to be added to the person who used this utility company and lived in XXXX that has same name as me. I believe they just added it to mine by pulling my name, which is very uncommon. Please investigate and remove from my credit report, I have tried to keep a great credit report and this has caused me harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account : XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account : XXXX XXXX Account : XXXX
Product: Credit card or prepaid card

I signed up for a credit card with XXXX XXXX XXXX XXXX XXXX. I never received the card, so it was never activated and never used. After a couple of months, they sent me a bill for the credit card fee. I called and let them know that I never received the card, and at that point, I no longer wanted to the card, and that I had not activated it since I never received it. They are still trying to charge me the fee for the card, and now they have sent it to collections with XXXX XXXX XXXX XXXX with additional fees. I do not feel that I should have to pay for a credit card that I never received.

The Convergent account # is XXXX, and the client account number ( I guess XXXX XXXX account number ) is XXXX. The phone number for Convegent on the bill is XXXX.

I appreciate any assistance you can provide. Thanks.
Product: Debt collection

I bought my home on XX/XX/XXXXand i got Home owners insurance trhough XXXX XXXX which will be need to be renewed on XX/XX/XXXX. On XX/XX/XXXX I notified XXXX XXXX that i no longer will need the services for XX/XX/XXXX-XX/XX/XXXX. I got a new insurance company. yesterday i received a collection notice from credit collection services that i need to pay {$54.00} that i owe to XXXX XXXX i feel that XXXX XXXX have not honor me my cancelation notification 60 days prior to XX/XX/XXXX BECAUSE I WAS NOT RENEWING CONTRACT WITH THEM ANYMORE.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX License Number : XXXX XXXX ( Office ) XXXX ( Fax ) XXXX XXXX XXXX XXXX NOT A PROFESSIONAL PERSON TO DEAL WITH
Product: Credit reporting, credit repair services, or other personal consumer reports

I was insured with XXXX for automobile insurance for 3 or so years and they all od a sudden decided to raise policy premium rates on me so I got a quote with XXXX XXXX XXXX who was much lower than theirs so I cancelled with XXXX insurance through XXXX courtesy cancellation option they have. I got the letter from XXXX saying my policy is cancelled and that I owed them XXXX dollars ( or else ) from them in a letter. I tried paying them through the XXXX application on my phone which had my card information stored on it but XXXX had blocked that function on their own application. 5 months in on a 6 month policy XXXX decides theyre going to raise rates on my asking for a nerly XXXX dollar increase on my policy for one month. I began to shop for cheaper insurance ( bare in my mind I had no tickets or accidents recently and still have no tickets ). I contacted XXXX XXXX and went through the whole process with an agent and then he said I will be sending you over to someone else who will be finalizing your policy. When I was turned over to her she said " you are no longer eligible for insurance with us XXXX reports you have multiple accidents and you have XXXX points on your DMV report through Florida ) then quickly hangs up on me. Since then I have had a very difficult time getting coverage with other auto insurance companies. I have received the reasons through mail that XXXX is inaccurately reporting to other companies and it is very inaccurate and exaggerated. Florida DMV information is protected information and can only be released if the owner of that information releases it. What XXXX is doing is illegal and very spiteful. They need a full investigation into their business practices and I need to have these XXXX fabricated inaccuracies removed from the consumer report and they need to be prosecuted for violating private information laws protected by the state of Florida
Product: Debt collection

I contacted Hunter Warfield for the 2nd time ( letter dated XX/XX/2018 ) asking them to validate the debt from XXXX XXXX. 
All they sent me was a statement of account ( copy attached ).