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

On or about XX/XX/XXXX, I decided to finally use my Venmo account, which I've maintained in good standing, since XXXX. I was having difficulty logging on and my 2 step verification was linked to my old phone number. I contacted Venmo and after a day, was able to change my logon phone number to access my account. Now comes the issues ; I contacted Support several times on XX/XX/XXXX, spoke with several Reps, and was having trouble adding my bank account to my Venmo? I was back and forth, between Venmo and my bank ( XXXXXXXX XXXX ). My attempts caused my account to be frozen, as I was speaking to a Venmo Rep. I was told a " ticket '' would be necessary and it could take 7-10 days to rectify my " frozen '' account? I submitted snapshots of my face, holding my account details, front back of my license, front and back of my Venmo account. I was told it still takes 7-10 days to " unfreeze '' my account? 

XX/XX/XXXX, a Rep named " XXXX '' sent an email, stating I would have to submit a copy of my bank statement, as well? I replied, no thank you. I was told the following : You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 

" Hello XXXX, While we appreciate your interest in using Venmo, we are unable to confirm that you have direct access to the financial instruments on file with your Venmo account. Due to this we will not be able to unfreeze your Venmo account. '' I sent another email to " XXXX '' stating, nevermind, how do I closed my account, it's not worth the hassle. 

I was sent another email from " XXXX '', stating I had to follow a " link '' to close my account. I followed this link, and was told, " I can not close the account ''? 

I sent a third email to " XXXX '', furious at this point, stating please close my account! 

I received an email from a person named " XXXX '' " You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 

Hello XXXX, XXXX from Venmo here and I'd be happy to look into this for you! 

Weve had a chance to review your account and it appears your case requires additional attention from another team. I will forward your case and they will follow up with you here, via email in 10-15 business days. 

In order to make this a smooth process, please respond to this email chain with any additional questions or concerns that you may have. Thank you for understanding! 

Best, XXXXXXXX XXXX | Venmo Support I am beside myself at this point. I have a bank account linked and can not even access Venmo to complete the removal of bank account and/or close my Venmo account! 

I DEMAND Venmo immediately close my account and confirm with an email to my personal email, " XXXX ''. 

I feel Venmo, through their Representatives, more specifically " XXXX '', were ridiculing me and laughing, as I received these ridiculous responses. They, Venmo, knew I was having problems on XX/XX/XXXX and XXXX, I was on the phone with the Representatives! 

To be treated this way is unacceptable! To have my personal bank information held hostage is also ridiculous!
Product: Mortgage

I was a bonifed tenant for the property that went into foreclosure. I signed a contract stating I would be out by XX/XX/XXXX and I was. I was never paid.
Product: Debt collection

XXXX sent me a letter dated XX/XX/XXXX that I owe them {$15.00}. They gave me 10 business days to pay. I received this letter XX/XX/XXXX and I payed them {$15.00} same day morning XXXX. I have receipt with confirmation number XXXX dated XX/XX/XXXX. 

I received letter from the Collection Company dated XX/XX/XXXX. It means that XXXX put me to collection before the 10 days period had expired.
Product: Money transfers

A girl by the name of XXXX XXXX that I knew only from social networking via XXXX said she works for " XXXX '', an investment company that you can collect unclaimed taxes from. The deal was to MoneyGram her company XXXX $ and in return I would get XXXX payments of a total of {$5300.00}. I do n't know why I believed her but I did and I sent her the money to Illinois under the name " XXXX XXXX '' and shortly after some text messaging correspondence I never heard from her again. I just want my money back and I 'm doing anything I can do get it back. I have attached all supporting evidence I have. Thank you.
Product: Credit reporting or other personal consumer reports

I am filling FTC Identity Theft to report 4 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. XXXX XXXX opened at XXXX XXXX XXXX {$470.00} on XX/XX/XXXXXXXX XXXX XXXX opened at XXXX XXXXXXXX {$700.00} on XX/XX/XXXXXXXX XXXX XXXX  opened at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX opened at XXXX XXXX XXXX {$140.00} on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 items 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I made my monthly payment to Navient. My bank posted the payment on XX/XX/2024. Navient sent a notice of late payment on XX/XX/2024 stating my payment was not received. This is happening on a regular basis with Navient. It has happened at least 3 times within the last year. I am fed up with constantly having to upload copies of my canceled checks to prove payment was made.
Product: Debt collection

I requested debt validation from Midland Credit Management for XXXX accounts that is on my credit report. My validation request were sent in the form of XXXX letters dated XXXX XXXX via XXXX XXXX mail XXXX XXXX XXXX XXXX XXXX and was delivered on XXXX XXXX XXXX. As of today XXXX XXXX I have not received the items i requested to validate the debt their trying to collect and they haven't removed these items from my credit report.
Product: Checking or savings account

On XX/XX/22 a checking account was opened in my name with Bank of America using my old email address. I was notified of the open account. That same day I called BofA and notified them of the fraud and they closed all accounts. The accounts had a {$0.00} balance. 


On XX/XX/22 a checking account was opened in my name with XXXXXXXX XXXX. I received a letter on XX/XX/22 notifying me of the open account. That same day I called XXXXXXXX XXXXk and notified them of the fraud and they closed all accounts. The accounts had a {$0.00} balance. 

I reported the fraud to XXXX and they put a Fraud Alert on my account. 

After filling out this form I will be contacting my local police department to report the fraud as well. 

It seems these accounts were all opened on line with most information matching my info except for DL #.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been notified of my incorrect account balance for a XXXX account which should be showing XXXX
Product: Checking or savings account

on the day of XXXX XXXX, someone took money out of my checking account of {$300.00} my account # XXXX and the claim # XXXX I have been dealing with them ever since. I never misplace or lost my card and never called in for a replacement card and still the bank claims that my debit card and pin number were used for teller transaction ; yet that is typically not required for a teller transaction.On that date I was working and is impossible to be in two places at the same time. My boss wrote a letter confirming that I was at work on XX/XX/2022 and a report from the XXXX Police that saw the surveillance footage which was review by the them and confirm that it was not me or my husband. I have been with Chase bank for more than 20 years and never filed a complaint on this account. My claim was denied twice even though I have provided the police report and the a letter from my boss. 


Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company Transform credit is reporting a hard inquiry on my credit report without my knowledge or consent. They inquired on XX/XX/XXXX and set it to continue until XX/XX/XXXX They are reporting it for 3 years when it is supposedly only to be reported for 2 years. Transform credit is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently XXXX XXXX XXXX XXXX  and prior to my XXXX I became a co-signer for my son 's auto loan with Wells Fargo. Wells Fargo Auto has inaccurately reported on my credit report that his payment was late for XX/XX/XXXX and that a payment was Not made in XXXX XXXX this false and negative reporting created a point loss ( XXXX points ) which dropped me from the Very Good rating bracket. 
I have the Wells Fargo Auto XX/XX/XXXX Statement showing multiple payments were made ( nor late ) along with the entire posted payment transaction history of XX/XX/XXXX through XX/XX/XXXX ; payments made and XXXX were late. I have disputed with credit reporting bureaus against Wells Fargo Auto 's false report but no success- I don't understand why especially because of the proof of statements and payment transaction history that is in my favor for this dispute.
Product: Credit reporting or other personal consumer reports

Attached XXXX pages of my report identifying all wrongfully reported information on my credit profile. With this request I demand XXXX to delete and update my files. Only correct name is : XXXX XXXX, only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX please note the the correct address left without being highlighted by me is the correct XXXX but please separate the XXXX from XXXX XXXX 


Highlighted information on report is wrong, please delete. I'm attaching Driver License for your records and verification.
Product: Credit card

XXXX XXXX XXXX D.O.B - XXXX/XXXX/XXXX SSN- XXXX My name is XXXX XXXX XXXX XXXX I 've had a Banana Republic credit card account for almost a year. I recently had an issue with Synchrony Bank because they refuse to help and accommodate their customers even when they are the one 's who made the mistake. I signed up for electronic alerts to stay informed about my payment due dates. They failed to notify me about a payment that was due XXXX XXXX, XXXX. Due to that mistake there was a late fee and interest applied to my account. My account shows that it went over the limit when that was not the case. Due to them applying that late fee and the interest it made my account over the limit. It actually was not over the limit because of my use of the card but because of their mistake in failing to keep me posted. I also tried to sign in online to check my account, they sent me an email notifying me that I was trying to login into my ''Banana Republic Visa Card Account ''. I do not own a Visa Card account with Banana Republic. I have a regular Banana Republic Credit Card. I contacted Synchrony Bank and I spoke to XXXX, a Supervisor in Customer Services, ID # - XXXX. Due to XXXX 's lack of knowledge she refused to comply with my request to verify the inaccurate information that they have in the automatic system. She interrupted me repeatedly and tried to speak over me refusing to listen to what I had to say. What is the point to have Paperless if they will not send the electronic notifications about their payment due dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I am contacting you because all 3 credit bureaus are still sending my personal information to the wrong address as well as false reporting balances on my credit cards that I have already paid off but the credit bureaus are reporting that I owe high balances which is not true. I have been having issues with these 3 credit bureaus for yrs now and I would appreciate it if they were made to correct the mistakes I keep making them aware of. Let me first start by saying my correct mailing address is XXXX XXXX XXXX XXXX ny XXXX and this is the only place any response should be sent. Secondly my only phone number that should be on my credit report is XXXX any number besides this number is fraud. Thirdly the balances on my XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  card need to be updated with correct balances because the credit bureaus are reporting balances that are incorrect. Also there is several addresses on my XXXX report that are fraudulent and do not belong to me and I would like removed. The only two address that should be on my report is my former address which is XXXX XXXX XXXX and my current address which is XXXX XXXX XXXX XXXX ny XXXX. Also my XXXX report is not showing my employer which should be on my report which is XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXXXXXX XXXX XXXX XXXXXXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( XXXX ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms 6. Purchase contract of this account The specific account ( s ) in question are as follows : XXXX XXXXXXXX XXXX XXXXXXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A business check issued to another party on XX/XX/XXXX and posted on XX/XX/XXXX was altered fraudulently, and funds were deducted from my checking account. 
The original check of {$170.00} was payable to XXXX Montana XXXX, and altered to {$920.00} payable to XXXX XXXX XXXX. 

The fraudulent check was discovered the following month in XXXX of XXXX and National Bank of Arizona was notified. I met with XXXX XXXX XXXX & completed a form at their branch office to attest to the altered check. I provided the original check stub, a copy of the front & back of the check, and a police report. 

I was told that that National Bank of Arizona would be contacting the banking institution that deposited the funds, and that it may take up to 90 days to process and resolve the claim. I have continued to reach out to XXXX at National Bank of Arizona, usually twice a month to get updates. The response has generally been the same, saying that they are working with the other bank. I have asked if I could speak with someone at the other bank regarding my funds, and told that the information is not given out to individuals. 

Thank you for your assistance, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im from XXXX and i created an account in Coinbase to buy cryptos, i had to verified my identity, they asked me a national ID, after that, they sent an email that says you are verified. When you are verified, you can buy and sell cryptos, so i buy some cryptos but now i cant sells it and i cant receive my money. I tried to contact with costumer services but they cant solve the problem. They are dont telling me why i cant sell. The costumer services are so awful, I red some reviews on internet and there are a lot of people with the same problem. It looks like a scam.
Product: Debt collection

A few years ago someone stole my identity and ran up a bill with XXXX No sure what it's for, since I have never gotten any bill or anything from XXXX. I only discovered it about a year ago when I checked my credit report and noticed there was a collection item on the report. It was removed from my credit report with the help of XXXX or XXXX I don't remember which one. While I was fighting this, it was discovered that the debt was not even the right last name. They even spelled my last name incorrectly. So it was removed from my credit report. Apparently the debt company who originally bought the " bad debt '' and removed it realized it was identity theft and they would never collect it so they sold the " bad debt '' to a company called Jefferson Capital Systems and they reported to XXXX and it appeared again. 
So, Jefferson Capital System is reporting this stolen identity debt to XXXX and I want it removed ... .It not me and not even the correct last name.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Upon acquiring my residence on XXXX  Guaranteed Rate served as our mortgage broker, providing a 30-year fixed-rate mortgage at 2.75 %, amounting to {$2100.00}. Subsequently, on XXXX our loan transitioned to Carrington, adjusting my payments to {$2400.00}, comprising Principal & Interest ( {$1600.00} ), Escrow Payment ( {$600.00} ), and a concerning Shortage Payment ( {$170.00} ). 

The unexpected increase of {$280.00} to my mortgage, prompts suspicion. In XX/XX/XXXX, notification of a XXXX XXXX surplus refund arrived, altering the mortgage breakdown to Principal & Interest ( {$1600.00} ) and Escrow Payment ( {$390.00} ), totaling {$2000.00}. This structure persisted until our XXXX XXXX XXXX  statement, which billed {$2400.00}. 

Despite possessing a ten-year tax abatement, efforts to rectify discrepancies have proven futile. Visits to the tax office yielded no filing errors. I seek expeditious resolution and clarity amidst a poor experience of being transferred and encountering evasive responses. If needed I can provide all the escrow analysis statements.
Product: Student loan

I have already paid my loan off in full, but dealing with navient and all there rediculous fees and late payments was a nightmare and super high interest rates that they jacked up on me
Product: Checking or savings account

Had XXXX account through employer Account closed and money transferred to another institution upon retirement in XX/XX/year>. 
Can still sign into account but even though requesting an all transactions report for XXXX  can only see XXXX transactions for year with the earliest post shown being XX/XX/year> Spent XXXX minutes on the telephone with someone who was clueless and unable to help I have clicked on every possible tab to get ALL transactions for 2024 to no avail I can not see any transactions at all for the other years this account was active even after changing dates and requesting history
Product: Mortgage

Attempts at getting refund of escrow due to me because I refinanced loan have not worked. The loan was paid in full on XX/XX/2019. As of today, XX/XX/2019, the escrow has not been paid out to me. This is past the 20 business days required by law to refund the money. 

I have attempted to resolve this numerous times with the lender. 

XXXX XXXX XXXX Attn : Consumer Solutions Department XXXX XXXX XXXX Virginia XXXX, VA XXXX Customer Service : XXXX On XX/XX/2019 XXXX told me she would overnight the money on Monday. On XX/XX/XXXX XXXX told me he would do the same. This request goes nowhere and the money remains held by the bank in the escrow account. The money should have been refunded XX/XX/XXXX which includes 1 day for XXXX XXXX holiday. 

Amount owed to me is {$4900.00}. 

Law is here : https : //www.consumerfinance.govXXXX Thanks in advance for helping us resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy with no visible account number reporting on my credit that is extremely old and over the FCRA Reporting limit, this is erroneous that they are still reporting and it needs to be removed off of my credit file. It has already been removed off XXXX but the other bureaus won't remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX