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

On XXXX XXXX XXXX, I received an e-mail from Venmo saying that my account was suspended due to " some unusual activity linked to your Venmo account which may be in violation of our user agreement. '' As instructed by the e-mail, also on XXXX XXXX XXXX, I uploaded a picture of my drivers license to Venmo through their web site.

On XXXX XXXX XXXX, by e-mail from Venmo at XXXX XXXX., I was notified that my account was permanently deactivated and I can no longer use Venmo. I responded shortly after receiving the e-mail from Venmo and explained that I looked at my Venmo transaction history going back at least four years, and that all of my transactions were : ( i ) reimbursing or receiving a reimbursement from my fiancee when one of us bought us dinner ; ( ii ) reimbursing or paying friends and family members for various items, such as items I bought or they bought for, e.g., XXXX dinner ; or ( iii ) paying friends or family for other things that were totally legitimate. I responded to the e-mail from Venmo and demanded that they provide a reason why they deactivated my account permanently and requested an appeal. 

Then, also on XXXX XXXX XXXX, only four minutes after after I replied to Venmo 's e-mail regarding my request as explained above, I received an e-mail from Venmo saying, " After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity., and that future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this e-mail. '' I suspect the reply was automated or from a bot. I tried contacting their customer service phone number, but the only option the pre-recorded message gave me is to submit an inquiry on the Venmo web site. In short, Venmo provided no recourse to me. 

This is absolutely ridiculous. All of my transactions with Venmo since I started using Venmo have been perfectly legitimate, and I can not think of a single transaction or activity on my Venmo account that would violate any user agreement or Terms of Service. I searched on XXXX and found multiple accounts of this exact same problem happening to other Venmo users, and they all said no explanation was given by Venmo when deactivating accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XXXX XXXX XXXX XXXX XXXX credit score, TransUnion dropped my credit score XXXX points. This was significantly much lower than XXXX which decreased my score by XXXX points. I want to have clarity as to why TransUnions score is so much lower than other reporting agencies when the credit reports are identical and based on the credit same history.

I have been penalized by transUnion throughout their review and scoring whether its increase or decrease of my credit score. I need to understand why the great disparity when compared with other reporting agencies. Plus, too many excessive points, in general, are decreased from ones score without given the appropriate time to correct the issue.

At this point, I feel its discriminatory and would like a thorough investigation of TransUnions practices and rating of my credit history.

Thank you for your prompt attention to this request.
Product: Checking or savings account

Chase, I applied for a pay day loan the mobile deposit was put into my account but it was a bad check, not know to until I called chase, the amount was for {$1100.00} date was XX/XX/year>, And the Same company XXXX XXXX XXXX XXXX base out of XXXX XXXX did this to my XXXX XXXX  Account which was closed as well by the bank. The amount the mobile check was for {$880.00}, so both my account are in the negative for these amount XXXX XXXX was done on the next day XX/XX/year>. 
Yes, I was Scammed and fell prey to these thieves.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the incorrect items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XXXX XXXX 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: Mortgage

My name is XXXX XXXX XXXX and my husband 's name is XXXX XXXX XXXX and we live at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I'm writing because I believe we have been done a disservice by PHH Mortgage Services. Under the Federal Trade Commission ( FTC ), Real Estate Settlement Procedures Act ( RESPA ) and Consumer Financial Protection Bureau, I have certain rights that have been violated. 

We fell behind on our mortgage, due to the fact, that I have been on disability since XX/XX/XXXX. My hope is that I will return back to work in XX/XX/XXXX. My husband and I gathered up enough money ( {$17000.00} ) to catch our mortgage up because we didn't want to lose our home. 

I called PHH on XX/XX/XXXX @ XXXX pm to get wiring instructions to send them XXXX months of payments in the amount of {$17000.00}. The customer service representative said that I would have to pay the reinstatement fee of {$21000.00} ( not sure if that's the correct amount because PHH never sent out the reinstatement amount ). I asked her when I was informed of this reinstatement fee and she didn't answer that question, she said the reinstatement fee expired on XX/XX/XXXX. I was never informed by postal mail, email or fax of that amount and the deadline. I asked her if I could speak to a supervisor and the supervisor called me on XX/XX/XXXX @ XXXX. The Supervisor said there wasn't anything she could do but I could apply for a loan modification. I did apply for the modification, but was denied a 2nd time, due to the loan being delinquent more than 90 days. I was never given proper notice. 

I was never given due process, or contacted to let me know about the reinstatement fee and the deadline. Once I researched my file on their website, PHH never generated or sent me any correspondence about reinstatement. PHH made a mistake and generated Payoff Statements ( XX/XX/XXXX and XX/XX/XXXX ) instead of reinstatements. I have attached a copy to this email supporting my claim. I finally spoke to someone on XX/XX/XXXX that generated a reinstatement amount ( {$26000.00} ) and deadline of XX/XX/XXXX. Before XX/XX/XXXX no other Reinstatement letter was generated or sent to me. The new payoff amount and deadline is something we can not meet. If PHH would have taken my money I would be caught up. I don't have that amount of money to reinstate my loan. 

Thank you and I look forward to hearing from you soon.
Product: Checking or savings account

I have a number of accounts with Wells Fargo : Mortgage Line of Credit Account Checking Account Savings Account I have been a customer of Wells Fargo for over 25 years with them and predecessor companies. 

They have now charged me a monthly fee of {$30.00} with some incomprehensible explanation of why I was charge this fee in 2018 when they have not done it last year. I complained and they gave me a {$7.00} credit as a " nice gesture ''. ( I keep {$500.00} in savings and I think they demand I keep more. ) To me as a customer with many accounts where I pay a lot of interest, i.e. mortgage and line of credit, I think it is outrageous to be charged {$360.00} a year for the pleasure of being gouged by the bank.
Product: Credit reporting or other personal consumer reports

I was a victim of security data breach and was a victim and they wont respond or fix my report
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit card

Late with payments, made payment plan arrangement with company. Still calling me XXXX times a day even on Sundays. Have explained several times DO NO CALL ME I am on a payment plan with your company to no avail. They seem to be of XXXX descent as if they do n't understand I 'm paying your company quit calling me. Calls start at XXXX every morning Monday-Sunday very annoying at least XXXX calls per day. I do not understand why they are calling when I have made and am keeping arrangements I put in writing with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX account # XXXX. I am not liable for this debt and do not have a contract with XXXX XXXX  XXXX. They did not provide me with the original application I requested. 

XXXX XXXX account # XXXX. I am not liable for this debt and do not have a contract with XXXX XXXX. They did not provide me with the original application I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL DISPUTES AND NO RESOLVE
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX, TX, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year>2025 ] Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW Washington, DC 20552 Subject : Complaint Against Equifax for Inaccurate Late Payment Reporting Without Proper Validation or Verification To Whom It May Concern, I am submitting this complaint against Equifax for reporting inaccurate late payments ( 60, 90, and 120 days late ) on my credit report without proper validation or verification. The information reported has caused significant harm to my credit score and financial well-being. 

Upon reviewing my credit report, I noticed that Equifax has reported late payments inaccurately for my [ XXXX XXXX XXXX  XXXX XXXX ], [ XXXX XXXX XXXX  ], [ XXXX XXXX XXXX XXXX ], and [ XXXX XXXX XXXX XXXX I dispute the validity of these reports as I have not received proper documentation or evidence substantiating these alleged delinquencies. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to verify the accuracy of the information they report, yet Equifax has failed to provide adequate proof of these claims despite my previous disputes. 

Furthermore, as per the recent enforcement action by the CFPB, Equifax has been fined for failing to properly investigate consumer disputes and for continued violations of fair reporting laws. The CFPB 's recent fine against Equifax highlights its failure to comply with federal regulations regarding credit reporting accuracy and consumer dispute resolution. 

I am formally requesting the CFPB to investigate Equifaxs failure to properly validate and verify the reported late payments on my credit file. I am also requesting that these inaccurate late payments be removed from my credit report immediately, as they are unjustly impacting my creditworthiness. 

Attached to this complaint, I have included a copy of my credit report reflecting the erroneous late payment entries, as well as any relevant correspondence with Equifax regarding my dispute. 

I request that the CFPB take immediate action to ensure Equifax adheres to its obligations under the FCRA and to prevent further consumer harm due to its negligent reporting practices. 

Please provide me with an update regarding the status of this complaint at your earliest convenience. I appreciate your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Since early XXXX, my US HSBC account and credit card account have been in review status. 
The customer service told me that 3-5 working days can solve this problem, but it has been a month now and my account is still unable to be used normally. The customer service did not tell me what caused this, but only kept me waiting, which seriously affected my capital turnover because I am a XXXX and only have this US account for investment and fund transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, XXXX, XXXX, Dear Credit Reporting Agency ( Experian, XXXX, or XXXX  XXXX, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

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

I have been asking XXXX XXXX  to verify a collection debt on my credit report. They have failed to do so in the past two months which is a direct violation of my rights as a consumer. Per 15 U.S. Code 1692g - Validation of debts. A company has 30 days to verify a debt. Transunion is continuing to allow this by reporting this debt although this debt has been deleted from both XXXX & XXXX. Another violation of the FAIR CREDIT REPORTING ACT. If this issue is not resolved I will be taking it to court!
Product: Credit reporting or other personal consumer reports

This is my refilling and requesting for the reinvestigation to BANK OF AMERICA was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a subscription with Equifax for the " Premier Plus '' monitoring service. For the past 30 days this service has n't been delivered as agreed ; yet the monthly service fee continues to be debited from my bank account. I have spoken to multiple technicians and customer resolution specialist regarding the situation however the problem still exist.
The main issue centers around on every occasion I attempt to access my credit report through this service ; I 'm given a systemic error message that tells me to contact Equifax. Upon contacting Equifax I 'm placed on hold for approximately 30 to 45 minutes with no resolution ; I 'm basically told its a problem with the system.
Product: Credit reporting or other personal consumer reports

In a previous complaint filed, the company did not address the issue. I absolutely did not request a JCP line of credit. This is clearly an identity theft issue.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I provided documentation and a request to the credit bureaus via USPS Certified Letters with tracking numbers XXXX, XXXX, XXXX on XX/XX/2022, to remove personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy and 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802, no financial institution is permitted to share my information to any third parties. This is a violation of my federally protected consumer rights. 

XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Malen and Associates PC filed this judgment on behalf of XXXX XXXX. Accoriding to the FCRA 605. 
Requirements relating to information contained in consumer reports [ XXXX XXXX. XXXX ] ( XXXX XXXX Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) XXXX Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

2. XXXX XXXX XXXX. bought the debt from an undisclosed source several years after the statue of limitations ran out they hired Malen and Associates, and or sold said debt to XXXX. XXXX in turn illegally filed an outdated judgment, against a man who is a victim of Identity theft. 
3. I was in my XXXX when the judgment was filed, I therefore could not have been properly served. for the court appearance. 
4. For XXXX XXXX has NEVER VALIDATED with an leaga documents properly linking me to the debt. to use the name XXXX PERSONAL INFORMATION to extort monies extortion, and discriminatory, this action is akin to IDENTITY THEFT I am are sure XXXX the Credit Bureaus and Malen and Associates are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. We therefore request that they cease and desist all debt collection practices. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts on XXXX XXXX credit is in violation of FCRA 611. 
Procedure in case of disputed accuracy XXXX We ask that the CPFB remind XXXX XXXX and the Bureaus of the ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. I therefore request that you contact them demanding they validate this account. If they can not, they must cease and desist all debt collection practices and must delete and or block the account information from my credit profile according to FCRA 605B ( 15 U.S.C. 1681c-2 )
Product: Checking or savings account

I have opened a checking account in XX/XX/2022 from Citizen banks online promotion for a requirement of {$500.00} direct deposit within 60 days. I have met my requirements and expecting the promotion bonus to be added in my account. I have contacted the customer service in XXXX and told it will be granted in XXXX. However, I waited till XX/XX/2022 but still don't see the bonus come to my account, so I called again on XX/XX/2022. One representative answered my call, and put me on hold for more than 20 mins while I can hear him chatting with someone else, which raise up a concern that he does nothing just putting client on hold? Then he dropped my phone. 

XXXX XXXX XXXXXXXX
Product: Checking or savings account

My checking account is in the negative. The bank continue to allow payments to post even though I am in the negative and charging me each time the {$35.00} overdraft fee. The bank has allowed one payment to process unsuccessfully 4 times, charging me a {$35.00} fee each time, while still allowing other items to post and process. I can't get back on track because I owe Simmons all of my check.
Product: Debt collection

I see an item reported to collections and I don't know why this is showing on my credit as I haven't had an account with this company and don't know who this company is
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX of 2017, the dean of the school called me into to the office to do exiting paper work. she told me that i would have the lowest plan. She also told me interest would not be high. They have brought mey credit score down XXXX points over misinformation I was gived i calle student loan services, I am in deferment, but they have yet to move incorrect pass due dates.