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

I had a returned payment in the amount of {$70.00} for XXXX XXXX. It resulted in my Venmo account being frozen. I tried to resolve the issue on the app and on my desktop computer. Per the FAQ on this issue- you could resolve the error by following the prompts in the app or using the venmo.com/recover link. I have no prompts in the app other than to contact customer service. And the link doesnt work. I messaged Venmo on XX/XX/XXXX to let them know that I wasnt able to resolve the issue myself per the instructions and asked for assistance in remedying the issue to unfreeze my account. I sent several messages stating that I wanted to pay the {$70.00} so that my account would be unfrozen and I could use it again. It took several messages to get a response and I kept getting generic responses stating the FAQ information or that I had to be transferred to another dept. On XX/XX/XXXX, I finally had someone named XXXX tell me that I had to send in my bankruptcy discharge information in order to resolve the account. My bankruptcy didnt affect my Venmo whatsoever and this bankruptcy was filed in XX/XX/XXXX so no idea why it would affect my account. My case ended up being dismissed so I sent in a copy to the same email that had told me to submit this information and it restarted the ticket all over again. I got the generic message from a person named XXXX stating I had to be transferred to another dept on XX/XX/XXXX and havent received anything in response since then. This has been months of me going rounds with the company now and I need help to get this resolved. I wish to pay the {$70.00} and have my account unfrozen and active again. Ive done everything per the FAQ and submitted the requested information. And nothing is being done to help me.
Product: Credit reporting or other personal consumer reports

In going over my credit reports with the three credit bureaus I noticed that all three has my last name of XXXX. I have never had that last name nor do I know anyone with the last name of XXXX. This needs to be removed please. 

Second problem is I have been disputing XXXX XXXX with all three bureaus for XXXX XXXX. My accounts XXXX business and XXXX personal were closed by an in house mistak at XXXX XXXX that has never been repaired properly I do have an attorney and a suit will be filed if they cant get it right this time around. Those are not my XXXX  XXXX credit card numbers. I have never been sent them, activated them or used them. Yet they remain attached to my name. My three cards were paid off before the accounts were closed. In one of my disputes for XXXX XXXX removed it off of my credit report Now its back on under a collection agency 's name I would like to exercise my XXXX rule and ask that if these accounts cant not be verified as mine that they be removed altogether for all negative credit reporting. I do not own these accounts I have never signed for any of the them. I have signed for my XXXX which were closed. 

As my credit is being cleaned up you can see that XXXX found out that I paid long ago and they removed the account but my credit used to be great and then the second XXXX XXXX closed all three my credit report an XXXX went to XXXX overnight. This is not fair I need my credit cleaned because I have done nothing to deserve what XXXX XXXX is doing. 

There would be times when I had extra that I would make XXXX payments in one day to my XXXX  XXXX cards or the next day I would pay again and they had already closed my XXXX accounts in XX/XX/year>XXXX XXXX
Product: Student loan

I contacted Navient student loans in XX/XX/XXXX about my student loans due through XXXX. Upon doing so I was informed that they can check my eligibility for a student loan forgiveness program. I was screened and told I would be eligible for student loan forgiveness. I started my application and was told there was a fee of almost {$700.00} and that payment could be broken down into XXXX payments. I gave my acoount information and began my application process. I was informed by XXXX the consolidation company handing my student loan forgiveness process that this application process is actually free to do. Which means that the woman I spoke to XXXX XXXX ext XXXX, committed fraud by providing my application to a third party company which charged my account for payment which I was informed should have been free to process my student loan forgiveness application.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was victim of scam and was requested to send an international wire transfer in the amount of {$2900.00} USD. I initiated the wire transfer that same day and the availability date was XX/XX/year>. 
The scammers pretended to be a well-known travel agency in XXXX. 

On XX/XX/XXXX, I still didnt know it was a scam. They said they had a system issue and I needed to send the same amount again and they would send back the first wire. So, I initiated a wire transfer on XX/XX/year> at XXXX XXXX XXXX  for the same amount of {$2900.00} USD. The availability date was XX/XX/year>. 

On the morning of XX/XX/year>, I discovered that this was a scam. I immediately contacted my bank, Wells Fargo, and provided them with all the details. Wells Fargo submitted XXXX claims for the transactions ( Claim Numbers : XXXX and XXXX ) and assured me that they would request a recall from the beneficiary bank, XXXX, in XXXX. This was done within XXXX hours of initiating the second wire transfer. 

Subsequently, I also filed a claim with the CFPB to ensure timely handling of the matter ( CFBP Case Number : XXXX ). I received confirmation from Wells Fargo that they had received my CFPB claim and were handling my claims accordingly. Based on this communication, I felt assured that Wells Fargo was addressing the issue, particularly the recall process. 

However, on XX/XX/year>, I received an email from Wells Fargo indicating that they had submitted the recall request only on XX/XX/year>. This was after both availability dates and XXXX business days after I had submitted my claims. My concern is the significant delay in submitting the recall request. 

Wells Fargo has since closed the case, stating that the outcome now depends on the beneficiary bank. While I understand that the final decision depends of the beneficiary bank, I firmly believe that Wells Fargo could have expedited the recall request, especially before the availability dates, to increase the chances of recovering my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX XXXX : {$2400.00} CXXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX MISSOURI ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$970.00} CON XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$4400.00} SXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX AXXXX XXXXI XX/XX/XXXX OXXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXL XXXX XX/XX/XXXX
Product: Student loan

The company has been deducting monthly payments since XX/XX/XXXX 2016 and none of the payments have been submitted to the Department of Education towards my Public Service Forgiveness Loan.
Product: Credit card or prepaid card

Synchrony Bank and Verizon wireless induced me to apply for a card that was immediately rejected causeing harm to my credit rating.

This is any of a Synchrony Bank or Verizon or combination of the two mess up that encouraged me to apply for Verizon/Synchrony credit in lieu of my existing options.

The application was rejected and I used my existing option anyway to effect the transaction.

However, my credit rating was unnecessarily harmed.

When I called Synchrony Bank representative to erase the application, he refuse, washed his hands and said complain to the relevant authorities.

The Verizon/Synchrony Bank application number is XXXX
Product: Credit card

My account was closed without any communication as stated. This account is used because I am the team mom for football team that travels. We did a XXXX to cover kids registration fees and we utilize this account to purchase their food and snacks each week for game. No gambling has taking place. We have been wrongly accused and these allegations are strong. I would like our account reopen or I will pursue legal actions due to unfair practice.
Product: Student loan

Company unable to verify amount to be refunded when refund was requested and unable to provide confirmation that a request was made to be refunded. Company further was unable to provide a timeline for said refund.
Product: Credit reporting or other personal consumer reports

This is my numerous 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.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to formally express my concerns regarding Capital One 's marketing practices related to their savings accounts, specifically the lack of disclosure about higher yield options available to consumers. 

I currently hold a 360 Savings Account with Capital One, which offers a yield of XXXX  %. Recently, I discovered that Capital One is also offering a higher-yield savings account with an interest rate of XXXX %. While I appreciate that this information is available on their website, I believe it is not adequately advertised or promoted in a manner that would allow consumers like myself to make informed financial decisions. 

When I opened my 360 Savings Account, I was not made aware of the higher yield option, nor was I presented with any information that would lead me to consider it. Instead, the 360 Savings Account was heavily promoted, leading me to believe that it was the best option available. This lack of transparency and promotion of a significantly higher yield account raises concerns about Capital One 's commitment to providing clear and honest information to its customers. 

I have previously submitted a complaint regarding this issue, but I feel it is important to reiterate my concerns to the CFPB. Consumers deserve to be informed about all available options, especially when there is such a substantial difference in yield. The current marketing practices may lead customers to miss out on better savings opportunities, ultimately affecting their financial well-being. 

I urge the CFPB to investigate this matter further and consider whether Capital One 's practices align with the principles of transparency and fairness that are essential in the financial services industry. 

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

Sincerely,
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and my email on the venmo account is XXXX and I got an {$80.00} payment from XXXX XXXX but Venmo wont let me add my bank or card to withdraw payment. They holding my money for no reason and it is very inconvenient and I want to sue.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected conifidentiality under 15 usc 1681. XXXX XXXX XXXX, XXXX # XXXX. The bank of XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX I look at my equifax on XX/XX/XXXX and on XX/XX/XXXX and noticed some thing are incomplete and not accurate. And according to the fair credit reporting agency prepares a consumer report it shall follow reasonable procedures accuracy of the information concerning the individual about whom the report relates according to 15usc 1681 ( e ) ( b ). And according to 15usc 1681 i5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) in generally after any reinvestigation under paragraph ( I ) of any in formation dispute 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 ( 1 ). Promptly delete that item of that item of information that the information has been modified or deleted from the file of the consumer. And according to 15 usc 1685-2 they are suppose to not furnish any consumer reporting agency if the person knows
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. 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. I have never been late on payments for the account : ( XXXX ) : ( XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing to dispute the inaccurate and damaging information being reported on my credit report regarding my bankruptcy. I believe that your company is in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by selling, transferring, and reporting inaccurate information to potential creditors. 

As per the FCRA 15 USC 1681, a credit reporting agency can be sued for negligent or willful compliance with the law within two years after discovering harmful behavior, or within five years if the harmful behavior occurred. Furthermore, the FDCPA prohibits debt collectors from using false, misleading, or deceptive practices when collecting a debt.

I am requesting that Transunion contact the United States bankruptcy court to verify the accuracy of the information being reported. I also request the following information to support your Metro 2 compliance for consumer and commercial credit reporting : -A copy of your written policies and procedures for Metro 2 compliance in consumer and commercial credit reporting. -Information on how your company obtains and verifies the accuracy of consumer and commercial credit information, and how it ensures that information is reported in accordance with Metro 2 guidelines. -Details on any training or education provided to your employees regarding Metro 2 compliance in consumer and commercial credit reporting. -Information on the systems and technology used by your company to report consumer and commercial credit information in Metro 2 format. -Details on whether your company has undergone any audits or assessments of its Metro 2 compliance practices, and if so, request copies of the reports or findings.

I would also like to remind Transunion of their duty to report accurate information and not engage in any practices that may be considered defamation of character or misrepresentation of creditworthiness. Any such actions may result in potential legal action.

Furthermore, I would like to point out that information is being falsifying reported to the credit bureaus, and is being retrieved from data furnishing companies who are not actual data furnishers and without the necessary paperwork to accommodate a furnisher, which is also considered fraudulent and a criminal act. If this is not rectified, I will contact the Attorney General and the Federal Trade Commission, as well as local Congress representatives to report this issue.

Thank you for your attention to this matter. 

Attached information : XXXX XXXXXXXX XXXX XXXX  bankruptcy, address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, last four social XXXX, date of birth XX/XX/XXXX XXXX
Product: Credit card

I have had a Dillard 's credit card since XXXX of XXXX without XXXX missed payment or late payment. I pay my bill online every month. Dillard 's card services were taken over from XXXX Bank around XXXX XXXX by Wells Fargo. XXXX XXXX XXXX Online Bill Pay did not recognize the new Wells Fargo/ Dillard 's account. In XXXX I started making payments directly through the Dillard 's website to ensure that the payments would get to Wells Fargo correctly because of this transition so I began to pay my bill directly through the Dillard 's website. The afternoon of Friday XXXX XXXX I received a call stating that they could tell I was trying to make a payment but could see it was n't going through. I immediately paid over the phone as to not cause a problem and keep my account in good standing. The very next morning at XXXX I receive a call that my only brother at the age of XXXX died unexpectedly in his sleep.This was a very difficult time for me. Mid XXXX I returned to the Dillard 's website to make my payment, checking the only visible numbers of my bank account number were accurate, which they were, I posted my payment and received a confirmation number. The same thing happened mid XXXX, and I received a confirmation number, again in XXXX, and again in XXXX. It shows a monthly history of payments and confirmations for each month with my last correct XXXX digits of my bank account. I never received notification or a message stating there was any problem with my account and payments. I will attach payment confirmations from XXXX XXXX and can go back further if need be and the confirmations from Dillard 's website from XXXX to XXXX XXXX. On XXXX XXXX XXXX when I went to pay my bill, as I did every single month, my balance was about {$150.00} over my credit limit. This immediately alarmed me because I always pay my bill, I received confirmation numbers so I called to see what was going on. A not so polite woman informed me they have not been getting my payments and the confirmation numbers were worthless. Now Wells Fargo, a banking and credit card giant has closed the account I have had with no problem ever and has not notified me once to inform me the confirmation numbers I was receiving did not matter. This has made a detrimental hit to my credit unfairly because Dillard 's, the company that I loved to shop with, worked through college with, had every intention of paying my debts to, received confirmation that I was paying, switched their credit card company and had a problem with their transition to Wells Fargo.I have never had a problem until now. I also hold another account with Wells Fargo for the last XXXX years that never has had any problemwith payments. In fact, for the last XXXX years I have not had a single late payment to any of my debtors. I want to pay my bills. I hope you can help me remove this terrible stain from my credit report. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I checked my credit report and found erroneous information that indicated I hadnt paid an account that I didnt authorize to be opened in my name. I am making a police report today and id like this account investigated and removed from my credit profile. The account hit my credit on XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notice from my report that they had closed my account ( XXXX XXXX XXXX XXXX XXXX ) on the  XX/XX/XXXX without my consent.I had this account for awhile and i would like for it to be open again cause its affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax report showing {$170.00} collection incorrectly Equifax report showing {$550.00} collection incorrectly
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

SOMEONE OPEN UP 2 ACCOUNTS IN MY NAME FRAUDULENT I REPORTED IT TO THIS COMPANY AND THEY STILL TRYING TO HOLD ME LIABLE. I DISPUTED THIS SEVERAL TIMES AND SENT POLICE DOCUMENTS TO THEM AND THEY HOLDING ME TO A DEBT I DIDNT AUTHORIZE. AFFIRM IS THE COMPANY. I ASK THEM TO PROVE I USE MY SIGNATURE AND SOCIAL THEY CANT PROVE IT
Product: Mortgage

New Information to Complaint # XXXX. We applied for a loan on XX/XX/2020 and spoke with XXXX XXXX who appeared to be collecting our qualifying information. He took our tax returns, check stubs, and driver 's license. He was typing on the computer our information it seems. XXXX XXXX 's response to us ; " we needed a co-signer ''. We had credit scores of XXXX with {$8400.00} net monthly income, in addition, we had just sold our home and was wanting to put down $ XXXX {$100.00}. We discovered there was no documented record of our application or credit report request to verify credit history. 
XXXX XXXX assisted in confirming we did meet with XXXX XXXX who in turn pre-qualified us and deemed not worthy of the qualifying process.