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

on XXXX XXXX I received a Venmo transfer of {$2500.00} and I didn't know the person who send it I advice Venmo officials that these money is not mine and I would like to return the money but after I notify Venmo the money sent was for me and when I try to make the homey out my account if frozen even if I verify my self and upload my driver license till date my Venmo account is frozen and I wouldn't make any withdrawal or money transfer I need my account unfrozen and I would like to transfer the money
Product: Mortgage

I requested an application for a morgortage and when the application was received it had already been filled out. It had information regarded another individual such as their name, number, address both current and pervious, it contained their place of work, and social security number. I then contacted the morgortage consultant and explained it had all this information in it and he acted like it was no big deal, that I had another person social security number.
Product: Bank account or service

Good Afternoon. I would like to file a complaint with TD Bank as I have been experiencing many issues with my Checking Account. My account was compromised, there were unauthorized ATM withdrawals in New York, a fraudulent mobile deposit in my account. I have been contacting TD Bank since Monday, XXXX regarding this matter and it has yet to be resolved. I was misinformed by several representatives as to what actions that I need to take. I was informed yesterday, after 4 business days that I needed to go into a local branch to file an Affidavit for the fraudulent mobile deposit. I was told by the branch that I did not have to sign anything as information is submitted electronically. A representative was very fresh on the call with me stating that she was not sure why a representative had not informed me that I have to sign an Affidavit. I was also informed that the branch would give me a copy if the fraudulent check that was deposited which, yet again I was misinformed. The branch provided me with a blank copy as they were unable to see anything. Throughout this whole complaint I filed, I have been treated as if I am the criminal, not the victim, constantly being questioned about the fraudulent withdrawals. My fianc lost his debit card and I am not sure how anyone was able to make those transactions. If my account was really looked into, it will reflect that I have never made that many withdrawals at XXXX time and I hardly ever use a mobile deposit. This is my checking account that has been blocked from any deposits, etc. I am not able to pay any bills or making any deposits, this concerns me as I am getting married next month. The bank has done nothing but question me or be accusatory and tell me to wait. Whoever deposited the check and withdrew money from account apparently has more protection than I do. Where are my rights as a Consumer?? I could see if there was a pattern of fraudulent activity in my account, however there is not. I receive Direct Deposit by my Employer bi-weekly and make the same deposits and pay the same bills every month. I am really not sure what to do at this point as the bank does not seem to value me as a Consumer, perhaps if I was a wealthy account holder things would be different,
Product: Student loan

First of all, a bit of background : I have a good financial history in the US including several credit cards, an auto loan and a mortgage ( FHA ). I make nearly XXXX per year and live in a low cost-of-living area, so most of my income is available to service my financial obligations. 

I applied for a student loan ( private ) and it was denied because the XXXX that was issue by the United States Department of Homeland Security ( DHS ) was not sufficient for the financial institution to proof my permanent resident status. 

I am in the process of renewing my expired XXXX XXXX XXXX - XXXX ( expired on XXXX/XXXX/XXXX ) and have received multiple extensions to my XXXX from the DHS - United States XXXX XXXX XXXX XXXX ( XXXX ) since then ; in other words, I have not interrupted my resident status since XXXX/XXXX/XXXX when I got it for the first time but unfortunately for me, the XXXX field office where my case is assigned to has a significantly large backlog. 

Having said this, the DHS has not issued a XXXX to extend my status, they just stamped my XXXX passport ( the stamp states that I am permanent resident and have work permit until XX/XX/XXXX ). 

When I explained this to SoFi Lending Corp. they told me that : " In order to move forward with the refinance we will need a document that verifies your XXXX status. Unfortunately we are not able to move forward with an expired XXXX card and your current documents provided for the extension, which would include the stamp on your passport. We will need the documentation that your renewal was approved or a valid XXXX XXXX XXXX. '' I feel that I am being discriminated based on my national origin by SoFi Lending Corp. The fact that the XXXX issued my with a non-conventional kind of XXXX than a XXXX does not constitute a valid reason to deny my application. The eligibility requirements stated in SoFi Lending Corp. 's web page stated ( at that time ) that the requirement to be eligible for refinancing my loan is to be XXXX ( which I was and still am ), not to have the kind of XXXX they want ( this is something completely out of my control ). 

The application was to re-finance the student loans I have after getting my XXXX in XXXX XXXX at XXXX University ( XXXX campus )
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my credit card with Capital One more than two years ago. Last month Capital One reported to the credit bureau that I had outstanding, unpaid balance. After researching, I found out it was annual fee, interest and fees being charged for a closed account. I never received a bill By mail, nor any notice to my email or telephone. I noticed when I needed to purchase a car that my credit score went down from 800s to 600s. I called capital one and they stated that it was a mistake and that they would correct the negative report to the credit bureaus, in which they did not do it. My credit score is still in the low 600s. I need capital one to correct the mistake they make and take responsibility for their incompetence. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. They are XXXX, badgering my credit with no explanation on an erroneous, alleged collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX  XXXX is not complying with my dispute requested i sent them a letter on XX/XX/2021 and XX/XX/2021 my first initial dispute i havent heard back from them it been 30days and on the XX/XX/2021 i send them 30 day demand to comply and they still have not responded
Product: Checking or savings account

On XX/XX/XXXX BOA paid XXXX to XXXX of my vendors XXXX, the money has ALWAYS IN THE PAST 10 YEARS I'VE USED BILLPAY COME OUT THAT SAME DAY ... ALWAYS. As you can see by my attachments the money HAS NOT BEEN WITHDRAWN yet the check was delivered yesterday to XXXX. Due to BOA 's practice and policy for the past 10 years I was accustomed to knowing how much money I had available at all times and never having to worry about a check being presented and there not being enough funds in my account. With NO WARNING BOA has inconsistently been mailing checks and the funds come out when the vendor cashes or deposits the check. Therefore BOA has changed the rules of the game costing me embarrassment with my vendors as several checks have bounced and I have been charged a fee by them as well as having my credit now tarnished. THIS IS NOT HAPPENING ON MY PERSONAL ACCOUNT, ONLY MY BUSINESS ACCOUNT. SO WHAT THE XXXX  XX/XX/XXXXIS GOING ON???
Product: Credit card or prepaid card

XXXX 's switched their credit card service from XXXX to CapitalOne in late XX/XX/2023. XXXX did not process the last auto payment that was due on XX/XX/XXXX. I set up my auto payment with Capital One to pay full statement balance which processed the first payment on XXXX XXXX. Now I see a {$9.00} interest charge which I assume due to balance transferred from XXXX which automatically triggered the interest, but no late fee. I called CapitalOne and their agent readily agreed that it is their mistake, but had to talk with my wife, the primary account holder, to remove the charge. I told them she would not have the time to deal with this and if they made a mistake on our account, then they must be doing the same on lot of other accounts of XXXX 's customers. So why not just simply correct their mistake? Talked with a supervisor as well. But they both refused which means we will end up paying for their mistake. We have been a member at XXXX 's for more than 20 years. Never had to pay interest on purchases charged to their CC. I hope others check their statements to see if an interest charge appears on their accounts. I'm sure there is lot of them out there. This is not what I expected from Capital One!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Indentity theft. Someone compromised my information and files taxes in my name back in 2010 and every since then I have been having issues. Majority of them have been cleared but Equifax ( mainly ) and XXXX refuse to remove incorrect information from my credit report. The information does not belong to me. I did not search for credit, authorize my credit to be ran, not provided and signatures or validation for this information to be on my reports. Specially a collection account XXXX. I must have had this account disputed a million times with Equifax. And each time they refused to remove it. They said all of my information matches. Well of course it would since someone stole my information! Recently I have had almost 20 or more inquiries within the last 60 days that I did not do. XXXX  investigated and removed them but EQUIFAX AND XXXX refuse to do so. I need this information removed immediately! I've sent letters to XXXX, XXXX & XXXX and they refuse bc they state that its policy. Please someone help. There should be an identity theft affidavit on file for me. I filed it with the IRS and the FTC back in 2010. Help! 

XXXX XXXX 's XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXXXXXX  accounts is inaccurate. This account should be removed. It is closed and reporting inaccurate information. XXXX, Transunion and XXXX fail to remove the account due to it being inaccurate and closed.
Product: Credit reporting or other personal consumer reports

This has been an ongoing issue for me with XXXX XXXX. I opened this account for credit a building opportunity. During the pandemic, I begin to experience hardships that I knew would potentially affect my credit and account. I called creditor to make an accommodation under the CARES ACT, and I requested for the account to be closed to prevent any damage to my credit profile. I paid the account as agreed. On my credit profile it is now showing late payments.

I've contacted the credit reporting agencies numerous times for inaccurately reporting late payments on this account. 
Per 15 USC 1666B a creditor may NOT treat a payment on a credit card account under an open end consumer plan late for any purpose. 

I have paid as a agreed and no late payments should be reflecting on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts are incorrect and/or have errors that need to be corrected : XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX Charge Off AccounXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Latepayment Account XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account The aforementioned accounts contain errors and are not accurately reflected on my credit report. I am requesting that you investigate these items and remove any inaccurate information. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on a consumer 's credit report is accurate, complete, and verifiable. If there are any inaccuracies or errors on my credit report, it is my right to dispute these items and have them corrected or removed. 

I have attached documentation to support my claim, including proof of payments, correspondence, and receipts. I ask that you investigate these accounts in a timely manner and provide me with a written response of your findings. 

These inaccuracies have caused me great emotional distress, as I have worked hard to maintain a good credit score. I urge you to correct these items as soon as possible so that I can continue to pursue my financial goals and dreams. 

Thank you for your attention to this matter. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and discovered an alleged hard inquiry.
Product: Credit reporting or other personal consumer reports

I had Credit Card with Amex which I was not able to pay during the COVID-19 pandemic, due to lack of funds. I reported my hardship to the company and asked for assistance due to the Worldwide Crisis which directly impacted me and my financial situation. Despite all my efforts, Amex marked my account as past due and is now marked as Charge Off. But, instead of 1 Negative remark, I see 38 Charge Off for each month I could not pay for my credit Card and 5 Late/ Missed payments on my Credit Report. I attempted to negotiate the balance and settle the balance, but they rejected my offer. This account shows closed right now, but remarks remain on my Credit report.
Product: Credit reporting or other personal consumer reports

Was reported by XXXX and XXXX on XX/XX/XXXX and reported to XXXX on XX/XX/XXXX which is inaccurate information. The creditor type is also reported inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that I have a inquiry that I never made. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.

Please investigate and provide Proof with statements showing that these inquiries were made by myself. If proof cant be provided, I demand this is updated as they should be as I NEVER made these inquires. Thanks!
Product: Mortgage

on XX/XX/2019 I made an online payment from XXXX XXXX bank to MyLoanCare. The records online showed that the payment went through, however I found out on XX/XX/XXXX that the payment did not go through. I transferred some other funds XXXX XXXX to another mortgage because I thought that the payment for MyLoancare had already gone through. However since the funds were below by {$50.00} the payment had not gone through. I spoke to them on XX/XX/XXXX to see if there were any issues and I was not told about the NSF ( insufficient funds fee ) but then on XX/XX/XXXX I see there was a {$25.00} fee charged. 
I politely asked to see if this fee can be reversed as I was paying additional amount and that I had not been behind on my payments ever. However I was told that they would not reverse this charge. 
I politely asked to speak to a supervisor and they said the supervisor will also say no and I never got to speak to supervisor. I was just told the answer is no. 
I dont feel that I should be charged {$25.00} dollars because of a bank error in regards to transfer of funds. The online payment system for Myloancare is never updated and it kept showing that the funds had transferred and the site was never updated until XX/XX/XXXX. I had even called to see if there were any issues with the payment and I was told that they payment had gone through. Because of their misinformation the insufficient funds issue arose. However I have to bear the fees, the amount is small but I am more upset with the way they treat a customer that has always paid on time and that they do not take responsibility for their mistakes and failure to update their website and account information shown on their website when I log in to my account.
Product: Credit card or prepaid card

At XXXX a.m. on XX/XX/2021, my attempted {$490.00} purchase ( trying to load a reloadable Incomm product : XXXX Serve ) with my {$490.00} XXXX XXXX XXXX  card ( another Incomm product ) ending in XXXX, at XXXX XXXX in XXXX XXXX, XXXX, didnt process correctly after my card swipe, and the transaction was voided. To receive my refund the store manager, XXXX XXXX, told me to contact her after she had looked into it and consulted with another manager. In our subsequent conversation XXXX XXXX told me the transaction had been voided by XXXX XXXX, the store did not have a {$490.00} surplus from the aborted transaction, and the {$490.00} should be back on my ( XXXX ) prepaid XXXX card in several business days. 

Because the funds hadnt been credited back to my prepaid card, on XXXX XXXX, XXXX, I submitted a dispute form provided by Incomm Inc., so the {$490.00} taken from my XXXX XXXX XXXX  card can be refunded. ( I had been out of town for nearly a month, delaying my attention to this ). Incomm states disputes are resolved within 90 days, but after 90 days I hadn't received my money or a status update. I emailed twice in late XXXX to follow up ( see : attachments ) but didn't receive a reply from Incomm either time. I am eager to receive my {$490.00} back to be made whole again.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion refuses to investigate my disputes despite me sending my picture ID and proof of address. I am the person initiating the dispute and I would like my errors investigated.
Product: Credit reporting or other personal consumer reports

Please reference complaint XXXX. In short, XXXX will not correctly report information on this student loan account. The loan was discharged in XXXX after my Mother died in XXXX. I was the co-signor on the loan. XXXX confirmed in writing in response to the aforementioned complaint that the loan was discharged and that they would report the balance is {$0.00} to the CRA 's. They did not furnish this information to the CRA 's in a timely manner. After XXXX information was reported, I initiated disputes with the CRA 's to correct this information. XXXX seems to be reporting correctly. 
However, Experian and XXXX are reporting that I am deceased. Experian indicated to me today that they had corrected this information internally on XX/XX/24, but that XXXX furnished information indicating that I am deceased on XX/XX/24. Disputes with Experian and XXXX are currently in process to correct this, but Experian is indicating that XXXX is to blame here. Unfortunately, XXXX is not able to respond to e-mail or phone calls in a timely manner. Hence, seeking the CFPB 's assistance with this.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 
Im opting out of : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Late Payments XX/XX/XXXX, XX/XX/XXXX Consumer Adjustment Company : Collection account. 
Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.

Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX and investigation took well over 30 days.