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

1. ) If I have no bank account connected how will I be able to transfer my funds when my 180days are up on or before XX/XX/year> as stated below from last complaint.. 2. ) down below is Venmo response to my last request complaint that got answered Venmo provided me with PayPal terms and conditions about using PayPal services to gamble on any wagering fee site.. well I have information that contradicts that policy and Venmo policy since yall use PayPal rules as well ..so I have a PayPal account and debit card and have used PayPal services to gamble and place bets on wagering sites and PayPal hase yet to restrict my account and hold my funds for 180days so I dont know whats going on but if you guys are holding PayPal standards then why hasnt PayPal restricted my account. Venmo has had my account restricted for 34 days and that is XXXX XXXX  and unacceptable I havent did anything fraudulent and I want my money before 180days its my money and isnt fraudulent I demand Venmo to release my money immediately 3. ) I demand release of my money in my Venmo account immediately I have done nothing fraudulent and can not wait 180days I have become homeless due to not haveing access to my funds thats in my Venmo account I have also lost my job and car and I dont Know what else to do Venmo has ruined my life and I will try my best to get my money before 180days this has put me in a financial crisis and my health has gotten bad from this.. I demand Venmo release my money Use Policy section of the Venmo User Agreement, it states that : You may not use the PayPal service for activities that : 5. relate to transactions involving any activity that requires pre-approval without having obtained said approval. PayPal requires pre-approval to accept payments for certain services such as : 6. Activities involving gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to property/real estate prizes, casino games, sports betting, XXXX XXXX XXXX XXXX  fantasy sports, lottery tickets, other ventures that facilitate gambling, games of skill ( whether or not legally defined as gambling ) and sweepstakes,
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are inaccurate or maybe fraudulent. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Debt collection

Columbia Debt Recovery XXXX XXXX XXXX has violated multiple consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Californias Rosenthal Fair Debt Collection Practices Act ( RFDCPA ). Despite my timely request for debt validation on XX/XX/XXXX, the company failed to provide proper documentation within the required timeframe. Instead, it continued collection efforts and reported the debt to credit bureaus without proper verification. Additionally, Columbia Debt Recovery ignored my explicit request to communicate only via certified mail and continued to use unauthorized email correspondence. When I disputed the debt again on XX/XX/XXXX, the company failed to respond with sufficient validation but still reported the debt to XXXX, which upheld the account on my credit report. These actions have negatively impacted my credit and financial standing. I request that the CFPB take immediate enforcement action to remove the unverified debt from my credit report, halt Columbia Debt Recoverys collection efforts until full validation is provided, investigate its compliance with federal and state laws, and impose penalties for its unlawful practices.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable that are kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX
Product: Debt collection

On XXXX XXXX, XXXX, XXXX agent foreclosed on my house. After the completed foreclosure sale, the substitute trustee executed a trustee 's deed to the XXXX XXXX XXXX XXXX XXXX. XXXX filed an eviction suit and was awarded Judgment of Possession. 

On XXXX XXXX, XXXX, I filed a lawsuit to stop a post-foreclosure wrongful eviction. This lawsuit XXXX is currently pending in the XXXX XXXX XXXX XXXX XXXX because the Defendants ( XXXX and XXXX XXXX XXXX ) was granted leave to file an answer to the complaint more than two years late. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX filed a late answer to the lawsuit and included the following affirmative defense : XXXX. Should Plaintiff be awarded any damages, Defendants are entitled to offset and recoupment in the amount the funds due and owing at the time of the foreclosure sale plus reasonable market value rent from the date of foreclosure until the service release of the loan to non-party Nationstar Mortgage , LLC. 

As per the aforementioned defense, Nationstar 's predecessor, XXXX XXXX XXXX, is asking for rent after the foreclosure sale on XXXX XXXX, XXXX in their answer. However, Nationstar contends I owe them more than {$110000.00} for the same loan their predecessor foreclosed on. I have not executed any loan agreements to XXXX XXXX XXXX or Nationtstar since the foreclosure sale on XXXX XXXX, XXXX. 

Nationstar is reporting this fraudulent, incorrect, and false information to a third party, the credit bureaus XXXX XXXX XXXX XXXX is claiming the house was foreclosed and they are seeking rent post foreclosure. 

Nationstar is claiming I contractually owe them from XXXX XXXX. 

To add on, Nationstar is reporting to XXXX that the loan is a contested foreclosure. 

Nationstar is reporting contradictory and false information to XXXX the credit bureaus, and me. 

Nationstar has not been able to validate their debt collection activity. 

XXXX XXXX XXXX and Nationstar are colluding and harassing me to collect a loan that was satisfied from foreclosure proceeds four years ago. 

I will be filing this complaint with the XXXX, XXXX XXXX XXXX XXXX ; since my loan was XXXX insured loan. 


I 've included the following documents to substantiate my claims : 1. The Defendants ' Late Answer excerpts XXXX XXXX. XXXX ) 2. The most recent docket entry of the pending lawsuit, XXXX. XXXX ; Order Continuing Stay dated XXXX XXXX, XXXX These are records that are documented in the Federal Court that are undisputed.
Product: Vehicle loan or lease

In XX/XX/2019, I opened a car loan with Premier Auto. Recently I discovered that they have been charging me an {$85.00} LDW fee every month since XX/XX/2019, despite having continuous insurance coverage on the vehicle. I emailed proof of continuous coverage and received no response. I then emailed several times and called and left messages after in an attempt to get a response and reversal of these fees. Still, no response. My latest statement for XXXX just posted online and there is another LDW fee attached. I have been charged 19 LDW fees totaling {$1600.00}. There also have been several " Other Fee '' charges as well totaling {$140.00}. I already pay a {$7.00} online payment fee with my normal payment of {$410.00}, making the total I pay each month {$420.00}. I would like to know what these " Other Fee '' charges are for and if they are erroneous, I would like them reversed. I also would like a reversal of the {$1600.00} LDW fees.
Product: Credit card or prepaid card

On XX/XX/2021, I placed a {$660.00} order on XXXX using my Citi credit card. The website stated that my order would ship out by the end of XXXX, and the return policy stated that customers could cancel and get an 100 % refund if their order was still not shipped 2 weeks after the estimated shipping date. 

On XX/XX/2021, I emailed the XXXX requesting a refund ( in accordance with their Return Policy terms ), but they did not respond ( which is a known tactic they employ according to the customer feedback on their XXXX page ). 

On XX/XX/2021, I opened a dispute with Citi related to the charge, and they issued a provisional credit to my account in the full amount. 

On XX/XX/2021, I received a letter from Citi stating they have " closed our investigation and reversed our credit '', and referenced the merchant 's response ( a " Chargeback Evidence '' PDF from Stripe that entirely lacks any information about the Refund Policy or shipment Tracking Number ). 

The letter also stated I could continue the dispute by providing " Proof of the terms and conditions you agreed to and documentation to prove you cancelled in accordance with those terms and conditions. An example of this proof is a cancellation confirmation email from the merchant. '' This information was to be emailed to XXXX by XX/XX/2021. 

On XX/XX/2021, I forwarded the order confirmation email & my refund cancellation request email, along with copies of the vendor 's Refund Policy, and the signed copy of the XX/XX/XXXX letter to XXXX. 

On XX/XX/2021, I received another letter from Citi stating that they are " unable to resolve this dispute in your favor since we have not received the proof of the terms and conditions you agreed to and documentation to prove you cancelled in accordance with those terms and conditions. '' I provided all of this information in my XX/XX/2021 email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

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

Equifax refuses to take a very old closed account off my credit report. The account was last reported in  XXXX  11 years ago.     Account Details Last Reported Creditor Name   XXXX   XXXX     XXXX  Account Type Account Status   XXXX   Opened Date  XXXX   XXXX ,  XXXX  Closed Date   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Monthly Payment --   XXXX   XXXX   XXXX     Balance {$600.00} Highest Balance {$10000.00} Payment Status  XXXX    XXXX   Payment Status -- Date of Last Payment -- Amount Past Due {$600.00} Times  XXXX / XXXX / XXXX  Days Late  XXXX  Remarks --
Product: Credit reporting or other personal consumer reports

The account open date is XX/XX/2019. The date that is considered the open date has been inconsistently reported. XXXX the opening date is XXXX XXXX If the information is coming from the original creditor, the opening date should be the same. We can not say these are 100 % accurate so it is deemed INACCURATE. This inaccurate information falsely manipulates the credit worthiness, and it is hurting my ability to obtain credit. Equifax failed to investigate this account properly after I repeatedly asked to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account XXXX XXXX, Account number XXXX. I have attached a copy of my credit report and highlighted that inconsistent and inaccurate information.
Product: Credit reporting or other personal consumer reports

In willful violation of federal law and in non compliance of FCRA 605B LexisNexis is refusing to remove an account ( XXXX XXXX XXXX XXXX ) that is the result of Identity theft. I have provided all identifying documentation, reported the theft to the FTC and provided LexisNexis with an affidavit of fraud from the police department. I am seeking the immediate removal and blocking of this account from my credit profile. LexisNexis has shown no evidence that any of the following are true that I XXXX. The request to block information was based on a material misrepresentation XXXX knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. nor have I XXXX agreed in writing that a block was made in error. A key provision in FCRA 605B is that a Credit Reporting Agency such as LexisNexis SHOULD NOT be investigating consumer cases of identity theft. Also conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B. If this derogatory information is not removed immediately I have no other option other than to will seek punitive damages per FCRA 616.
Product: Credit reporting, credit repair services, or other personal consumer reports

My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed  XXXX ,  XXXX , nor Equifax has ever validated or verified these public record entries on my credit report, neither will they ever be verified by the courts. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I request that the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given  XXXX ,  XXXX  and Equifax multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. I am hoping this matter will result in the removal of the bankruptcy from my account.
Product: Credit reporting or other personal consumer reports

I am outraged by the blatant disregard for legal compliance demonstrated by the unwarranted and unauthorized reinsertion of a fraudulent tradeline on my credit report. This act is a flagrant violation of the Fair Credit Reporting Act ( FCRA ) and exposes a gross negligence in your duty to manage sensitive credit information responsibly.

Inadequate Investigation : XXXX has failed to conduct the necessary and reasonable investigations into the fraudulent accounts, despite provided evidence and documentation.

Maintenance of Inaccurate Information : XXXX continues to list unverified and inaccurate information on my credit report, in clear violation of FCRA mandates.

Failure to Notify Information Furnishers : XXXX has not fulfilled its obligation to notify furnishers of the disputed information, further complicating the resolution process.

Failure to Conduct a Reasonable Investigation : XXXX has not conducted a reasonable investigation into the fraudulent accounts reported, contrary to the obligations set under FCRA Section 611 ( 15 U.S.C. 1681i ).

Negligence in Maintaining Accurate Information : XXXX continues to report inaccurate and unverified information on my credit report, a clear violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ).

Failure to Notify Furnishers of Information : XXXX has not adequately notified the furnishers of the information about my disputes as required, hindering the resolution of these fraudulent issues. Negligence in Maintaining Accurate Information ( FCRA, Section 623 [ 15 U.S.C. 1681s-2 ] ) : The continued presence of these unverified accounts on my credit report demonstrates a lack of due diligence on your part to maintain accurate information.

Notification and Procedure Failures ( FCRA, 1681i ( a ) ( 3 ) ) : There has been a failure to properly notify the furnishers of the information about my disputes as required by law, impeding the resolution of these issues. Blocking of Fraudulent Information ( FCRA, Section 605B ) : You are required to block fraudulent information within four
business days of receiving an identity theft report, which has not been observed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a fraud alert on my credit report that I have tried to remove several times. XXXX XXXX won't approve me until this block is removed.
Product: Debt collection

Glasser and Glasser PLC of XXXX, Virginia attempted to confiscate my Federal Student loans which were twice the amount that was owed originally. The account doubled in two to three months. This was in XX/XX/XXXX. They won a judgement against me in XX/XX/XXXX by misinforming me why my account originally went to collections. This led to them drawing from my checking account for roughly the amount I told them I would be receiving in financial aid and right when I told them I would begin to receive it. Glasser also set up a date for a settlement that I did not agree to, then sent me a letter saying I missed the payment followed by filling for a judgement. I have n't had any communication from them in three years.When I went to refinance my house in XX/XX/XXXX, they showed up and say that I owe them XXXX XXXX dollars in interest on a loan that was roughly 8900 dollars. Through garnishments, they have collected nearly 11 thousand dollars. The garnishments stopped in XXXX. The damage caused by this company has endured for close to a decade creating health issues and financial hardships. Not to mention physical damage to my house while they were garnishing my wages in the middle of winter and the heat went out. Glasser refuses to negotiate a reasonable settlement and keeps demanding paperwork that no longer exists for my home refinance that is no longer going to happen. It took 3 years for them to provide paperwork related to the account as to why it went to collections. Upon review of the details, it showed that I was charged for a month when I did not have a payment due because of a promotion through the creditor. I pointed this out to Glasser and Glasser and they refused to do anything about it with the exception of one representative that looked into the notes and acknowledged that I was under the promotion when I was charged a payment. They continue to do nothing about it. All I seem to get from them is " Shut up, pay us. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

I have been unable to close my account Crypto Currency/Brokerage  account because it has a {$.00} Crypto Currency balance which is below the minimum SoFi requires initiate a trade. I entered an order to " Sell All '' my Crypto Currency balance on XX/XX/2020 but SoFi completed the transaction leaving my account with a {$.00} balance. I have requested that SoFi close my account on three separate occasions but they have not closed my account because of the miniscule balance. 

My most recent request to close the account was on XX/XX/2020. On a prior attempt to close my account SoFi replied ; We are not able to close the Crypto account due to the small balance. Since this is below the minimum needed to sell ( {$10.00} ), we have to work on a solution. Sorry for the inconvenience.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Sincerely, XXXX XXXX