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

Venmo customer service agent : Agent : XXXX : XXXX XXXX XXXX XXXX Can not issue refund on any of the transactions. Not able to compensate for 32 % interest the customer is now facing with their credit card company compounding interest.

Reference number to call/complaint : XXXX Associated Complaint : XXXX XXXX XXXX XXXX XXXX Credit Card Company I placed a Phone call at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint when I noticed I was wrongfully charged a Cash advance fee by XXXX XXXX XXXX for a rental payment transaction through Venmo on XXXX different charges : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The representative claimed it was for a Venmo Cash Advance fee- After consulting with her supervisor XXXX  the XXXX XXXX Customer service agent refused to reverse the fee. I filed an official complaint with their company and requested a copy of the phone call conversation. I was told I could not pay off the amount to remove the fee but instead would be required to pay the entire credit card balance off in full to get the " cash advance Fee '' to stop compounding interest on my balance.

Fee Complaint Report Case ID # XXXX XXXX XXXX Phone customer service agent : XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my mortgage payment set up to pay automatically from my bank on the first of each month ( when its due ). Last XX/XX/2022 after my payment was sent on time, I later got a check in the mail from XXXX Mortgage with no correspondence or any other information. I supposed it could be an Escrow refund. Next after my XXXX payment I received a notice my XXXX payment was late. I disputed this both with the bank and the credit agencies. For the next 4 months each of my on time payments went to the previous month continuing to show I was late. I finally had to make a double payment in one month to correct it, but they had reported me late 5 times because of their mistake, I am current and still have my payment deducted from my bank each month. This has hurt me credit score and my current ability to refinance due to no fault of my own and I need this corrected! Thank You
Product: Student loan

While I could afford the standard payment schedules set with all my student loans, I decided to change as many of my loan payments plans to income-based plans. With this change, I could pay the same total monthly amount over all loans, but all allocate a greater percentage towards the principal of those with higher interest rates. When all loans are fully repaid, the total amount of all interest paid would be reduced. 

I found that some loan servicers did offered income-based alternatives and successfully restructured those with lower monthly payments. However, I believed some did not offer income-based plans since I could not find information available on their websites, including Navient. Recent articles and discussions suggest that Navient was required to have income-based alternatives available. If this is true, then I am one of those misled by Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and came to found a Collection account Whit the name of mid west recovery I have tried talking to them but not getting response I have send my dispute for the bureau and nothing I have also noticed lots of inquiries on my as recant as yesterday which is not mine Please help me get my credit back on track
Product: Credit card

On XX/XX/XXXX XXXX my credit card issued by NAvy Federal Credit union was used FRAUDULENTLY on the online market place XXXX through the payment processor XXXX. I have explained to my bank ( NFCU ) that I DO NOT have either of those apps and that i never have. I also stated told them and showed evidence that the address, name, phone number, and email address used in the fraudulent charge were not mine or anything close to my name or address. I requested the paperwork they used for the determination and they refused to send me them and have been stalling since i requested them in XXXX. I also have not used this card in OVER 6 years but NFCU keeps insisting it was me. There couldnt be anything farther from the truth. Navy Federal knows this and is just trying to give me the run around. I have provided conversation transcripts with XXXX and XXXX clearly showing the name on the receipt, address, and other identifying info to not be me. Nothing was sent to me but navy federal wont acknowledge me. Id like this resolved by just being made even and not have to pay on a {$7400.00} charge that I DID NOT make. I have been a member for more than 20 years and i refuse to be treated this was as a member of my own bank and a veteran of this countrys military. Please help.

Ive requested info on the case for months and still no one has provided anything. Just more denial letters. It isnt fair, Im a 100 % XXXX Vet and I feel that My own Bnak is taking major advantage of me in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/2023 ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.These are the accounts : XXXX XXXX XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$350.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX & XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$610.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

The following credit inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Small Business Administration, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. All of the credit inquiries are fraudulent, unauthorized and not mine. I have sent numerous Federal Trade Commission Identity Theft Reports to XXXX, XXXX and Trans Union. The Federal Trade Commission had opened up an investigation on XXXX, XXXX and Trans Union for not deleting and removing all the fraudulent inquiries listed on my XXXX, XXXX and Trans Union credit report.
Product: Debt collection

Merchants Credit Guide Company XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA, XXXX To : The Office of Registered Agent for Merchants Credit Guide Company From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX
Product: Debt collection

I submitted a complaint to this debt collector on XX/XX/ and they are ignoring me. I feel taken advantage of. They are clearly disregarding the law by not ceasing and desisting communication as requested.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX 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.

THE LAW ALSO STATES : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of this account for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY.
Product: Credit card or prepaid card

Placed an order with this company called XXXX for a XXXX XXXX bundle. I never received any details in reference to the order so I submitted a dispute with my bank. As soon as the dispute was entered, I receive an email from a XXXX account with a tracking number. After looking over my bank statement the transaction was coming up from a XXXX account instead of the company that I originally placed the order with. When the item arrived it shows up significantly different from its description. A childs plastic whistle inside of an envelope instead of a XXXX XXXX. I immediately sent the item back to the address that was listed on the envelope. Im now going jumping through hoops to proof my case. Im being charged {$110.00} for a plastic whistle. When I check the site that I used to place the order the website has been removed since the order was placed. I have screenshots of what I actually ordered and what was sent to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I was given a fake check PNc cleared it in a day. I sent funds to fraud people. I complained to PnC tried to get my funds back they said no. PNc should have not cleared the check so fast. I already have funds in the account.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Use of Information Violation of 15 USC 1681 I am writing to formally dispute the information currently reported on my credit file. I believe that the reporting of my personal information to your agency and/or the obtaining of my personal information from your agency was done without my explicit written consent, in violation of 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

Specifically, under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer 's credit report under specific circumstances, including obtaining the consumers written consent. To the best of my knowledge, I have never provided you with written authorization or consent to obtain, share, or report my personal information to any third parties, nor have I authorized you to gather or distribute my credit data for any reason. 

Given this, I respectfully request the following : Immediate Verification : Please provide documentation showing that I gave written consent to your agency, as required by law, to either access or furnish my information. 
Removal of Unauthorized Information : If no such consent exists, I request that any information obtained or reported based on such unauthorized access be removed from my credit file immediately. 

Correction of the Record : Ensure that my credit report is amended to reflect the accurate, lawfully obtained information. 

Please note that under the Fair Credit Reporting Act, I am entitled to dispute inaccurate or unauthorized information, and you are required to investigate and respond within 30 days. 
Thank you for your prompt attention to this matter. Please provide a written response confirming receipt of this dispute and any actions taken to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gone through all three credit reporting companies : XXXX, TransUnion and XXXX. I have disputed all NON ACCOUNT HOLDING HARD INQURIES. Their response to me is " in the state of Michigan we do not have to investigate or remove them if you tell them they are not authorized ... '' I asked them if they have proof of my signature on file within their building and they just blow me off. They told me " I have have to contact each and every company on my own ... '' And so I have. Attached you will see all companies and correspondence if I have heard back from them. Still, with NO PROOF OF SIGNATURE STATING I REQUESTED CREDIT FROM THEM WITH MY HAND WRITTEN SIGNATURE-anyone can sign on to a computer and say they are me-THEY REFUSE TO DELETE THEIR INQUIRY '' XXXX XXXX has been the WORSE! I don't hold an account with them. I would never inquire to have an account with them and still they insist they do not have to remove my inquiry. 

I want all inquiries NON ACCOUNT HOLDING removed or I want XXXX per offense for defamation of character and for breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

We keep getting phone calls from a company claiming to be Amazon and they want to confirm our credit card number and information and saying that were winning something or theyre going to be shipping us an XXXX and its gon na cost {$790.00} and we dont even have an Amazon card I called Amazon confirmed all of our information and that we do not have a card and they said that this is a fraudulent phone call thats been being made to people and to not give them any information but I wanted to report them this is the phone number that theyre calling from XXXX
Product: Credit card or prepaid card

I have a Chase Visa Slate credit card. Often I have credit balance due to overpayments. Chase Visa usually refunds credit balances by sending a check for the amount. This did not happen earlier this year. In XXXX Chase Visa Informed me that it would send a credit balance refund check for {$51.00}. I am still wailing for the check as of XX/XX/XXXX. I contacted Chase Visa ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. At this date neither have I received a check, nor has the credit balance restored to my Chase Visa account.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXXXXXXXXXX {$630.00} being held illegally I am not sure of the date exactly but at some point early in XXXX 2017 PayPal put a limitation on my account. I was unable to remove my money from their website anymore. They have not given me any indication as to why they did this except to review the User Agreement. Well since then I allowed them to hold it for 3 months since that is plenty of time for any buyer complaints or refund requests. I called them to try to see if they would grant an early release and they refused to. I am now seeking assistance to have MY MONEY released to me considering that they are not a bank they are not allowed to hold money for this amount of time. There are no more disputes, refunds, complaints at this time and there is zero risk for them to release my money except their own financial gains. I will also be contacting Congressman XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX of the SEC, the Department of Justice, The Federal Trade Commission, and Filing a Complaint with the BBB. They have taken advantage of way to many people in this same matter day after day. They should be forced to change their policy to 90 days as that is well past the deadline for people to be able to return or request a refund anyway. They have been given to long of a leash and it should be reigned in. Thank you for your time and consideration in this matter.
Product: Debt collection

On XX/XX/2020 I was offered a settlement of XXXX by convergent outsourcing for a past due debt I had with XXXX XXXX. This would close the account and it would noted as paid in full. I agreed to this amount and paid the balance that same day. I was told I would receive an email confirmation but never did. On Saturday XX/XX/2020 I checked my credit report and it showed the balance had decreased and I still owed money. I called XX/XX/2020 and was told by their representative that they saw I was offered a settlement and it had been paid, but they were waiting on XXXX XXXX to close the account. When I asked why they did not report the payment as a settlement to the credit bureau they said it takes 30 days which is why I still saw a balance. I contacted XXXX because this did not sound correct and I wanted to verify with them as well. I spoke with a representative and she saw that a payment had been made and there was a lower balance. I asked if she could see anything stating this was a settlement and the account would e closed. She stated she did not and would call the convergent outsourcing and try to get a little more clarification. She was put on hold multiple times and given the run around. Finally she got a hold of someone and when she went to conference me in they hung up! She stated that she was told by a representative that they had already spoken to me and that she had no business calling. She was just as mind blown as I was when she heard that. I have every right to go behind and double check who I am sending my money to when it comes to me paying off debts. XXXX XXXX also has a right to know how their clients money is being handled especially if the choose this debt collector to work with their clients. Convergent Outsourcing is incredibly unprofessional and will make you feel uncomfortable about how your finances are being handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX Card XX/XX/2023 XXXX Bank XX/XX/2023 XXXX Bank XX/XX/2023 XXXX of XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number XXXX XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX I Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : 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