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

XX/XX/22 - Venmo request to upload ID, along with Bank Statement. 
XX/XX/22 - Email from Venmo ( Below ) XXXX XXXX, Thank you for contacting us. 

Your account has been frozen because we need to verify that you are the owner of this account. To help us with this verification, please use our Document Upload Form, linked below, to send in the following : A picture ( not a photocopy ) of your unexpired US government-issued photo ID that shows your legal name ( we can accept your driver 's license, state ID card, passport, or green card ) A recent monthly statement for the CARD ending in XXXX. 

You can find our Document Upload Form here : https : //help.venmo.com/hc/en-us/requests/new? XXXX & XXXX & XXXX ( If you have trouble following this link, try copying it and pasting it into your browser. ) We need to see your ID in full, but feel free to cover any sensitive information on your other documents before you send them to us. We only need to see the last four digits of the account number, the date, and your full name.

If you do not have a statement for your debit card, the bank statement is plenty. Simply leave the last 4 digits of your debit card number visible in the transaction section of the statement. 

For your privacy and security, please do not reply back to this email with your documents. Once you submit your information through the above link, we will review your case and reply with more information regarding your account. 

We appreciate your cooperation and look forward to hearing back from you. 

Regards, Account XXXX XX/XX/22 - Uploaded ID, along with Bank Statement. 

XX/XX/22 - Venmo account frozen, permanently deactivated, {$2000.00} in funds frozen for 180 days. 

XX/XX/22 - Emails sent demanding funds immediately released to bank account. 

Hi XXXX, Thank you for sending us your ID! My name is XXXX, I'm an Account Specialist here at Venmo and your case has been escalated to me. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. 

The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 
Best, XXXX XXXX XXXX Venmo
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently disputed several items ( addresses and employers ) that are being reported on my Experian credit report as my personal information that are not accurate on XX/XX/2021. After the investigation, the results of this dispute remain inaccurate. Under FCRA, My personal information being reported by all credit bureaus should be accurate. I have lived at XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX since XX/XX/XXXX. Therefore, any other addresses being reported on my credit profile that I do not reside at are invalid.
Product: Credit card or prepaid card

Goldman Sachs bank did not resolve the issue on a charge that happened in XX/XX/2023 for the amount of XXXX. I reported as fraud the first time and did not get it resolve the first time. Then re opened the case and was not solved either. After a third atrempt the bank is asking me the consumer to contact the merchant and ask them for prove or receipt of the purchase. This is unheard of Ive never seen a bank telling the customer to call a merchant to ask them for prove of purchases. Goldman Sachs as the bank needs to do all this. I dont know anything about the merchant or who the merchant is to be calling and asking for information on a fraudulent transaction. The charge stayed permanent on my account which is unfair since i did not made this purchase.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
XXXX SC XXXX XXXX XXXX  
Reference num. XXXX
Account from XXXX XXXX XXXX

For the amount of XXXX
I never seen herd of these people or company ever
Product: Bank account or service

PayPal continues the practice of 'defaulting ' to their in house credit card as a form of making online payments. Several times I have found that I thought I was making an online purchase with either my personal bank account and or my PayPal account balance only to find weeks later that the payment was made with the PayPal credit card and they contact me to let me know my credit card payment is late and they are adding late fees. This a very clever but unethical practice and it needs to be addressed, as I am certain I am not the only person who has fallen victim to their trickery
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit reporting agency about the account below and they have not investigated them for accuracy or legitimacy. This account is not mine.. The collection companies have provided no proof that these are mine. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Account No. 
XXXX Original Creditor XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Spoke with XXXX XXXX within the Special Consumer Fraud Department ) for XXXX hour and XXXX minute pleading my case, and she acknowledged that XXXX did receive our CFPB complaint but did not act up on it because XXXX assumed that the complaint came from a third party!!! I use a company called XXXX to send out my mails because due to a pre-existing condition I cant go to an actual post office! The fact that XXXX is assuming instead of factually investigating, is a clear violation of 15 USC 1681 ( a ) ( 3 )! Your company ( XXXX ) assumed this role. You were not given express permission by me, the consumer, or a competent Court of Jurisdiction to report these erroneous inquiries, late payments on my consumer report. Therefore, not only did you fail in the initial investigation of these wrongfully reported informations, but you also assumed this role, and assumed these wrongfully reported informations were valid or as you like to say VERIFIED, which is a clear violation of my consumer rights.
Product: Vehicle loan or lease

Lenders pulled credit reports for auto loan, but would lend due to XXXX. Loan amount requested and vehicle value was obtainable prior to running my credit. My credit showed I had the ability to repay the loan, however, I was denied because of XXXX. If they were unwilling to finance the vehicle for amount needed they never should have ran my credit to begin with. I have requested they remove the inquiries and they have refused.
Product: Money transfer, virtual currency, or money service

I submitted a dispute with Cash App due to the fact that the merchant had not provided me with my refund credit for more than a week. Cash App denied the dispute, asserting that no error had occurred, despite the fact that I had included a return credit receipt with my claim. I was advised to submit a new dispute, but it was once again rejected. I informed Cash App that I would pursue legal action to ensure that my dispute was processed correctly after the second denial.But the merchant had reversed the charge by the time I reached out for legal consultation, nearly two weeks later. Cash App retaliated against me for threatening legal action and unjustly closed my account by citing a clause that claimed I had violated the terms of service. This transpired shortly after I expressed my intention to pursue legal action. I felt as though I had been wronged twice by Cash App 's response, which left me feeling stunned and frustrated. I promptly contacted customer service to contest the account termination ; however, my attempts were unsuccessful. 

It is evident that I have not violated the terms of service in any way. I even went so far as to review the terms of service document multiple times to determine if I had overlooked anything, as I had been a loyal user of Cash App without any previous issues. However, I was unable to identify any reason for my account to be closed. To be left in the dark without any explanation or opportunity to rectify the situation was incredibly aggravating. Despite my best efforts, it appeared that there was no viable solution to the problem and reinstating my account. I was left with a sense of disappointment and disillusionment regarding the manner in which Cash App had managed the situation.
Product: Debt collection

To Whom It May Concern, I am writing to dispute a fraudulent account reported on my credit report. This account is not recognized by me, and I believe my identity has been used without my consent or authorization.

Pursuant to 15 U.S. Code 1681c-2, you are required not to report any information on a consumers credit report that the consumer has notified you is a result of identity theft. As such, I demand the removal of this fraudulent account from my credit report within four ( 4 ) days of your receipt of this letter.

Furthermore, under 15 U.S. Code 1681s-2 subsection ( a ) ( 3 ), furnishers of information are obligated to notify consumer reporting agencies of disputes regarding the accuracy of information. I have previously contacted the furnisher, and they have confirmed that my personal information does not match their records, suggesting identity theft. They also indicated that they do not engage in providing dispute notices to credit reporting agencies. Therefore, your report violates subsection ( b ) of 15 U.S. Code 1681s-2, as a reasonable investigation of this matter has not been conducted.

I insist on receiving a comprehensive investigation report directly from the furnisher, complete with their letterhead, detailing their method of verification. This is to confirm that my claim of identity theft has been thoroughly examined and substantiated. 

I demand the immediate removal of this account from my credit file and that a new credit report be issued to me within 30 days of the removal to confirm the correction. Below is the item in dispute and my explanation : Disputed Item : FAIR COLLECTIONS AND OUT Explanation : This account was fraudulently opened in my name without my knowledge or consent. 

Failure to comply with these demands could result in legal action. Please take this matter with the seriousness it deserves. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am filing a complaint against Capitol one regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in 600 Savings Act. I seek redress for the misleading practices and failure to fulfill their job
Product: Payday loan

I received a loan through speedy cash in the amount of XXXX. I set up the loan with them with a specific bank account. I defaulted on my loan due to not having a job. However, I called to set up payment arrangements and speedy cash told me my account has went over to a third party collection agency. They also provided me with XXXX. I never provided them with my debit card from XXXX XXXX information. However, recently a transaction has been charged to my account in the amount of XXXX that I did not authorize. I called to speak with both speedy cash and ad XXXX and both had been blaming each other for this transaction. I spoke with at least XXXX different agents to get clarity on how they were able to access my account that I did n't not provide them with. Speedy cash stated they had this information on file from a previous loan I had through them and retained the information. I told them to no longer charge my card and any payment I make.. It would be made through money order or through XXXX of their local stores. My card was still charged without my consent.
Product: Debt collection

I am writing in response to your letter Subject matter of the account in question. After reviewing your response, there are several key points that need to be addressed under applicable law, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

First, please be advised that XXXX XXXX is the holder in due course of this account, which is established as a private trust. According to UCC 1, the security interest and lien filings were not properly disclosed at the time of the alleged agreement, rendering the contract unenforceable. Furthermore, under HJR 192 and Public Law, this account should have been settled by a bill of exchange or another negotiable instrument, and no discourse or notification regarding such resolution was provided. 

Additionally, your response states that the account was charged off and subsequently sold to XXXX XXXX XXXX. However, it is important to clarify that under federal law, purchasing or collecting on a charged-off debt without proper disclosure or validation of the underlying security agreement is unlawful. XXXX XXXX, as the servicer of this account, has a fiduciary duty to ensure that all actions taken comply with the laws governing private trusts and consumer protection statutes. 

Furthermore, I dispute the assertion that the debt has been properly verified. The documentation provided does not constitute adequate proof of a binding contract or agreement with XXXX XXXX as required by the FDCPA. The verification process must include a clear, authenticated copy of the original agreement that includes all terms and conditions acknowledged by both parties at the time of inception. Additionally, please provide full disclosure of any assignments or transfers of interest related to this account, along with all transactional details. 

Please note that reporting this account to the credit bureaus, without resolving these legal concerns, violates 15 U.S.C. 1681s-2, which prohibits the furnishing of inaccurate or incomplete information. I request that you immediately cease reporting this account until the proper verification and settlement of this matter are complete. 

I expect a detailed response addressing each of the points raised, and I reserve my rights under applicable law. If I do not receive a satisfactory resolution, I will pursue further actions, including but not limited to filing complaints with the appropriate regulatory authorities.
Product: Credit reporting or other personal consumer reports

The companies XXXX XXXX account number XXXX and XXXX account number XXXX accurante information is on my credit report from this company the days late section is different from all three bureaus and i will like to have them deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing Im decease on my credit report Having me get denied for everything I apply for. Having a big impact on my life style
Product: Credit reporting or other personal consumer reports

Experian been trying to get me to pay for there membership for months now. I had the free report from experian for a few years now. I'm now look out of the free report from experian because they have remove the free report of my profile and they are trying to make me get the pay report for XXXX per month. I just got off the phone with them and they said they cant do nothing right now for me to call them back in 4 to 6 hours. I inform them that i will be filing a former complaint against experian this morning.
Product: Checking or savings account

I am writing to bring to your attention a concerning issue I have encountered with my Chime account regarding a fraudulent claim. I have already spoken to both merchants involved, who have acknowledged the fraudulent activity and agreed to support my claim.Given the circumstances, I have no choice but to consider involving legal representation and joining the current class action lawsuit against Chime.
Product: Money transfer, virtual currency, or money service

USA AUTO SALES HAVE A REFERRAL PROGRAM WHERE WHENEVER A CUSTOMER REFER ANOTHER CUSTOMER AND THEY PURCHASE A CAR THEY SEND A CHECK FOR {$200.00} TO THE PRIMARY CUSTOMER THAT REFERS THE NEW CUSTOMER. HOWEVER THIS IS THE SECOND TIME THAT IVE HAD AN ISSUE WITH THEM ABOUT THE SITUATION. I HAVE FOLLOWED ALL PROCEDURES OF GUIDELINES OF WHAT THEY ASKED BUT YET THEY ARE LYING AND KEEP GIVING ME THE RUN AROUNDS ABOUT THE SITUATION.
Product: Mortgage

I am coming out the XXXX XXXX  and back to work full time. During the pandemic I lost all of my income. I am now back to work full time and can afford to make payments. I was told by SPS to apply for the loan modification and applied. I went through the process and was declined. I was declined for insufficient income. I have a complaint with the review I went through with SPS. I don't feel like SPS processed my file correctly. SPS stated my income was {$1400.00}. I have now idea where that number came from. That is not the income I submitted. I was told during the pandemic that the process was pretty easy to resolve by SPS for resolving the forbearance. I am filing a complaint in an effort to resolve and save my home.
Product: Debt collection

I received a notice of debt from the Fair Collections & Outsourcing of XXXX XXXX in XX/XX/XXXX by a phone call, which I clearly stated that was n't mine and was a result of identity theft. I demanded all pertinent documents used by the thief and they took over XXXX to provide. The thief used my maiden name and an unknown XXXX drivers license number to rent an apartment. In the application, the thief provided signatures that do not match to each other, and you can tell that the creditor did not do their due diligence to verify their identity as they failed in a few obvious areas : verify their previous residence and workplace, check their signature, and verify validity of their drivers license. 
After I sent in the affidavit and proof of my identity that included our lease agreement at our current address, utility bill, my husband 's XXXX military XXXX to XXXX XXXX XXXX, and copy of my paystubs, they proceeded with reporting this debt to the credit bureau XXXX days later. I will be sending another letter tomorrow ( enclosed with this complaint ) to demand that they stop all collection proceedings against me as I have provided everything they need.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, How are you? 
On XX/XX/20 I received an alert that a compony FACTUAL DATA pulled my credit in which it was not authorized by me. I fraud alert on all the XXXX major credit bureaus for any company requesting my credit report to contact me for verification but I did not received a call from FACTUAL DATA and that hard inquiry is still on my credit report until today XX/XX/20 and showing up on my credit report as a hard inquiry. The company failed to contact me to verify that I authorized the report to be pulled as its stating on my fraud alert. I need the company to delete this from my credit report from both XXXX and XXXX or prove that this account was authorized by me with verification of authorization.
Product: Checking or savings account

I have received letters that TD Bank has now 3 open checking accounts in my name, using my home address The account numbers are : XXXX first letter that my account was overdrawn received with a date of XX/XX/22 XXXX also overdrawn first letter dated XX/XX/22 XXXX also overdrawn dated XX/XX/22 acct ending XXXX has sent payments to XXXX XXXX via XXXX acct ending XXXX has sent payment to XXXX XXXX via XXXX acct ending XXXX has sent money to both XXXX XXXX XXXX XXXX and XXXX XXXX via XXXX bank transfer It appears that they are feeding one bank account into the others to keep sending money through XXXX and XXXX Bank maybe As a side note. I belong to a local XXXX XXXX called XXXX XXXX  XXXX XXXX and several members were discussing having the exact same thing happen with the same bank at the same time as me. The members name is XXXX XXXX XXXX XX/XX/22 and I'm going to try to attach the page here : https : XXXX