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

I opened a VENMO account to receive payment of {$800.00} from a different VENMO user. 
the user paid {$800.00} into my account on XX/XX/XXXX ( {$1.00} ) and on XX/XX/XXXX ( {$790.00} ). 
right after funds were in my venmo account I tried to transfer into my bank account and received an error message that my account was frozen. 
contacted venmo and provided all documents requested to prove identity XX/XX/XXXX. 
finally received response from venmo that proof of ID had been received and my account was unfrozen on XX/XX/XXXX. 
I tried to access my money when I received this account unfrozen email on XX/XX/XXXX but account was still frozen and money inaccessible. 
since XX/XX/XXXX I have sent over XXXX emails and called 3 times to request help getting this problem fixed. every time I am told that they have all documents needed and my account will be corrected within 24 hours. 
it has now been 2 months that Venmo is holding my money without my permission and I continue without access to my funds.
Product: Debt collection

The account reporting on my credit score is closed and it is " fraudulent '' and should not be reporting on my credit score. I want this account " DELETED '' from my credit score ASAP or me and my attorney will be taking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification on XX/XX/2020 that my Experian credit score decreased 11 points I contacted them and was told that factors play a part in calculating the score so I spoke with the representative by the name XXXX, we went over my credit report dating back to may in which those same factors was on my credit report however my score increased from a XXXX from XXXX to XXXX due per the two representative XXXX and XXXX that I spoke with today theyre stating that is the factors is what decrease my score and they dont know why my score dropped 11 points, but those same factors been there for over 9 months, there literally is no changes to warrant the decrease.
Product: Checking or savings account

I sent {$80.00} through XXXX on XX/XX/2022 for an application fee that never got done. It was sent to their XXXX ( XXXX ) named XXXX XXXX. Their phone number was XXXX.
Product: Credit reporting or other personal consumer reports

THE DATE OF THE FIRST DELINQUENCY THAT YOU HAVE DOES NOT MATCH THE DATE THAT I HAVE UNDER 15 USC 1681be YOU MUST PROVIDE MAXIMUM POSSIBLE ACCURACY AND IM TAKING INTO CONSIDERATION THAT THE CFPB IS SUEING YOU AND IM ALSO TAKING INTO CONSIDERATION IM ALSO REQUESTING FULL DISCLOSURE OF THE XXXX  OF MY PROFILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive written numerous letter to Experian since XXXX XXXX XXXX exceeding my rights as a consumer. I am the original creditor and no one can report anything to my consumers credit report without my written consent. 
I know that Experian received my letters because I sent it with a return receipt and they still have yet to grant me my request. How can Experian keep breaking the U.S.Code? Please send me a copy of my written consent.

Under 15 USC 1681b ( 2 ) - Permissible Purpose of consumer reports in accordance ( 2 ) with the written instructions of the consumer to whom it relates!!

Experian do not have permissible purpose Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

Its been well over 30 days and my demand for these items to be removed have not removed at all. 

Experian took information from someone else other than myself and reported it to my consumers credit report. Experian and the companies liable are committing identity theft/fraud. Thats aggravated identity theft! 
( 18 USC 1028 ).

Under 15 USC 1681a ( 4 ) Accurancy and fairness of Credit Reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy!!!! 

As a consumer, I have the right to fairness of credit reporting! No One can dictate what goes on my report other than myself! 

These are just a couple laws that Experian has broken. 

Experian knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ;
Product: Credit reporting or other personal consumer reports

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Presons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. Experian and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days of I will forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX aka XXXX XXXX   XXXX. On XX/XX/2018 I logged on their website and requesting a credit line increase. While I was completing the form on their website. which is XXXX there was an option just under the annual income field that states " by selecting this check box, I am allowing the bank to access my credit report, if necessary. '' I made certain that I did not check that box and i did not. 

Well on XX/XX/2018 I get an email alert from Experian stating that something changed on my credit file. I logged on and according to Experian it was a hard inquiry from XXXX XXXX  for new credit. I did not authorized XXXX to pull my credit. I called Experian to dispute the inquiry but Experian referred me back to XXXX. I called XXXX and that stated I must submit a written request and that they have 90 days to respond. I found that to be absurd. So I decided to submit a complaint through CFPB. 

Also Experian would not take my complaint at all even though after I logged in to their site ( i have credit monitoring service with them ) and attempted to submit the dispute online their website directed me to call to submit disputes about credit inquiries. After waiting 30 minutes on the phone their rep stated they do not dispute take credit inquiries and i must dispute though the company directly. I found that odd and i asked 2 times just for clarification
Product: Debt collection

Please refer to CASE # XXXX which was closed by CHASE without any resolution to clear my credit ratings with four major companies. 

My goal for case # XXXX was to make a negotiated payment amount, given the one and a half years invested to find the " loan '' account. I wanted to know how to negotiate to pay off the amount, as well as, an explanation as to why my checking overdraft was listed as a mortgage loan. I do not own property. No resolution and my case was closed. 

What transpired : I was resent a letter from XX/XX/2017. The reissue and XXXX of letter was not necessary, given I had already invested 6 hours in calling the CHASE phone numbers listed on the letter in XX/XX/2017 at which time the contacts ( again ) could not find my account so that I could begin to pay. My financial counselor recommended I file complaint after she, her supervisor and myself spent over a year connecting with a CHASE representatives. 

The last few months have been spent leaving phone messages at XXXX XXXX for : ext XXXX & ext XXXX. I have repeatedly asked for a time I could call them. 

The amount owed is {$1600.00} less fees. 

Chase has not helped me find the " mortgage account '' to pay off or negotiate the amount to clear my credit score. 

Rough itemization of my time invested to make good on my misfiled, lost debt is approximately 50 -  60 hours at $ XXXX/hr {$3700.00} - {$4500.00}. I have a log of my time invested. I would like my {$1600.00} debt cleared off all four of the credit bureaus. I have tried to do the right thing and pay my {$1600.00} debt, however none of the employees I have spoken with can find the account or let me know with whom I can negotiate a revised amount or resolve in another way. 

I am most disappointed by the ineptitude of SALARIED employees, their inability to help me finalize my debt and clear my credit for a new future. My initial debt came from numerous stressful situations surrounding my own health, caring for my mentally ill mother and her untimely death. ( see first complaint letter case # XXXX ). 

My only recourse is to photocopy a year and a half worth of Chase form letters, " documentation '' received and my journal of phone logs to XXXX a package to XXXX XXXX, CEO of JP Morgan Chase for his the executive assistant to " escalate ''. My experience with CHASE will make an excellent case study of the aftermath of mortgage crises, an individual consumer experience. 

Thank you for your consideration. 
XXXX XXXX
Product: Debt collection

I contacted XXXX XXXX XXXX, Operations Manager for XXXX , Inc. XX/XX/XXXX to inform him that XXXX , Inc. had placed an entry on my credit reports that had been paid to the original creditor on XX/XX/XXXX, I also faxed XXXX XXXX a copy of the receipt, and a letter from the original creditor XXXX XXXX XXXX XXXX XXXX Patient Access Manager XXXX XXXX XXXX verifying I had paid the debt to XXXX XXXX XXXX XXXX XXXX . I informed XXXX  XXXX that I never received a bill from XXXX XXXX XXXX XXXX XXXX nor, a collection letter, or phone contact from XXXX, Inc. XXXX  XXXX informed me that he would look into the matter, and that he was forwarding my information to his Compliance Officer XXXX XXXX XXXX . I received a phone call from XXXX  XXXX stating that XXXX XXXX XXXX after reviewing the documentation provided intentionally choose not to remove the entries to my credit reports. I am filing this complaint with your office to provide XXXX , Inc. the opportunity to rectify this matter before I take legal action.
Product: Mortgage

Initial Mortgage processor = XXXX XXXX XXXX ( XXXX ) New processor = Mr. Cooper The nature of my complaint is related to the regulations around the selling and transfers of mortgage loans between processors and the affects this has on the consumer. Aside from only a two weeks notice before my mortgage payment was due ( letter received on XX/XX/XXXX and payment due on XX/XX/XXXX ) and the inability for either company to help me because it was " in the process of being transferred ( which took three weeks ) I was in a position where I had no choice in who I do business with based on the services they provide and how that fits in with my households ability to pay the mortgage. 

Budgets and cashflow revolve around the mortgage payment. After trying to work with Mr. Cooper to setup the same bi-weekly payment structure I had with XXXX I was informed Mr. Cooper doesn't offer that option and that I would have to go through a third party they contracted with ( XXXX XXXX  ). After working with XXXX I was told it will cost {$300.00} to setup and {$5.00} a month. This for a payments structure I did not have to pay for with XXXX. 

As a consumer who has the ability to choose who they want to do business with for every aspect of their lives, We lose that ability during a loan sell-off between processors and are at the mercy of whether the new processor offers the services that work with the consumers budget and cash flow for their household. 
The consumer is only left with the option of refinancing which comes at an even greater cost. Consumerism is lost during this type of transaction and can have negative affects due to the lack of choice that existed when one first obtained the mortgage. 

My goal is for this type of concern to be filed with the CFPB as documentation in case other issues with loan sell-offs happen to be increasing exposure related to the impact on consumers when loans are transferred which results in some type of additional regulation. For example, I would like to have a choice whether I want to work with the new company my current processor wants to sell to. If I was informed that XXXX is looking at selling my mortgage to Mr. Cooper I could investigate whether Mr. Cooper is the business I want to work with. Then I would be given a certain grace period to accept or decline. I had that chance when I obtained the loan as I do in every other product and service I use as a consumer.
Product: Mortgage

XX/XX/2018, I contacted Loss Draft Department for PHH Mortgage.  I indicated that I had suffered severe damage to my residence and had a check from my insurance company made payable to myself and PHH Mortgage in the amount of $XXXX. I was told by the customer service representative that 1/2 of the amount would be sent back to me immediately and the remainder would be paid once the repairs were made.  I receive no calls until I called to find out the status of the check.  I was then told that I receive wrong information and no funds would be disbursed for repairs until I provided a signed contract, XXXX form and signed conditional waiver from the contractor.  These forms were provided to PHH on XX/XX/2018.  At this point, I have had several calls with PHH and they have indicated that they have not and will not disburse the funds to repair my residence.
Product: Money transfer, virtual currency, or money service

My issue is mainly with Zelle, to some extent XXXX is a related party but they tried everything in their power to help, and are unable to due to the account being closed with them. 

I had a XXXX online banking account. I also originally had a stand alone Zelle account. I had transferred this Zelle account to work with XXXX, but I had unfortunately done this after XX/XX/year>, which during the time XXXX with Zelle had increased fraudulent activity, causing all XXXX  accounts made/Zelle accounts linked after XX/XX/year> to have those linked Zelle accounts restricted. The issue never really resolved itself in my case. Many back and forth calls at the time of the issue, and recent back and forth calls, and neither Zelle nor XXXX are able to help. In the case of XXXX, they did everything in their power to help, but were unable to due to the account with them being closed. Zelle on the other hand constantly tells me to contact XXXX, even after explaining that there is nothing XXXX can do. At this point I really just want my information removed from Zelle all together but they refuse to even do that because of the restriction reported by XXXX, with which I don't have an account and therefore have no way to get resolved on their end. This is an issue that has affected many, and I'm not sure if it was ever resolved for anyone.
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. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 or 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 or other personal consumer reports

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( XXXX XXXX XXXX XXXX, XX/XX/year> ). I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents.

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify.I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 6802 Obligations were to respect to disclose of personal information XXXX XXXX  opt out. A financial institution may not disclose non public personal information to a non public affiliate or third party. Sincerely
Product: Credit reporting or other personal consumer reports

I looked at my credit back on XX/XX/year>, and noticed some things are incomplete and not accurate According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates these accounts XXXX. XXXX XXXX XXXXXXXX Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX  .Account XXXX : XXXX The open date on all three XXXX accounts was misreported information is not accurate The last date is active, and the last payment is on those accounts.
Product: Debt collection

Numerous calls to my place of employment by a " Collection Agency '' named Alliant Capital or something like that. Telephone # XXXX. After getting numerous messages from co-workers stating that a " XXXX XXXX '' was looking for me, I decided to call the number back to see what it was concerning. I got a hold of a man ( do not remember his name ) who was extremely rude, was acting smart and mocking me, acting like it was a joke when I asked to provide me with proof and validation of the debt I " owe ''. Stated he would send me a letter from the company stating what I owe ( in excess of 2k ). I again asked for documents ( signatures, contract, etc ) supporting the debt owed he proceeded to laugh and say good luck. I then asked to stop calling since the number being called was my work number he laughed and said we will continue to call, I then said this is a request to cease and desist any further calls and he said I had to send it in writing and that until then, the calls would continue. 
I expect this company to NEVER contact me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$5400.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance XXXX {$790.00} XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$9900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXXXXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Debt collection

Was contacted by a collection company for a debt we have no idea of. Told them we did not know who or what & they should stop harassing us. They then said that we requested a packet of information which we had only instructed them to stop contacting us and harassing us. They are still doing it and we have no idea who they said we owed ( never heard of them ) but we have no idea who it is or anything regarding it - no knowledge - willful or otherwise. Please have them stop harassing us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I have debts and credit cards and a light bill from XXXX XXXX a credit card from XXXX and a card from XXXX that arent mine on my report XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX Account numberXXXX XXXXXXXX XXXX Account numberXXXX XXXXXXXX XXXX  Account number XXXX