23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Venmo decided to randomly suspend my account on Sunday, XX/XX/XXXX. I had a balance of {$1300.00} at the time they suspended it, plus a pending sale of Litecoin for XXXX that is expected to settle on XX/XX/XXXX. Why IS MY ACCOUNT SUSPENDED I DID NOTHING BESIDES BUY LITECOIN AND SELL IT, I HAVE OVER {$1200.00} IN THE ACCOUNT AND A PENDING SALE OF LITECOIN, this is ridiculous and I demand an explanation! YOU ARE CAUSING ME A SEVERE FINANCIAL HARDSHIP! I HAVE UPLOADED THE REQUESTED DOCUMENTATION IN THE FORM OF AN ID AND I DEMAND A RESOLUTION IMMEDIATELY! How can Venmo get away with this when some people like myself use it to pay bills and use the banking and debit card, by suspending my account for NO reason this has put me in a very difficult position financially as you I can not even transfer the money in the account to my linked bank account which has been linked for YEARS. Venmo/Paypal are completely in the wrong and should address matters like this instantly instead of causing havoc in peoples lives, this would never happen with a real bank, you would at least be able to get your money out. I demand an answer and my account to be unsuspended ASAP. Again- this has caused me severe hardship and I am willing to take this to small claims court. 

Note : I was asked to upload ID which I did immediately and have heard nothing back.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX credit reporting agency and fraud dept has refused to remove inaccurate, erroneous and unlawful information from my credit file. i have sent in numerous goverment identity theft forms and have disputed with fraud team. after months of EQUIFAX not responding EQUIFAX has said that these debts which are FRAUDULENT have been verified as accurate. EQUIFAX has violated my privacy rights EQUIFAX DID NOT investigate this nor did they verify with me thru verbal or writing that this information could be posted to my credit file. i did not grant EQUIFAX permission to add these items to credit file. EQUIFAX has violated my rights and has been ignoring my constant requests. The goverment law binding forms ive sent in have been overlooked and not acknowleged as legal documents.
Product: Debt collection

Amount was paid or charge off/ reported loss but company is currently reporting negative information in attempt to negatively impact my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with TOYOTA MOTOR CREDIT CO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and TOYOTA MOTOR CREDIT CO with no successful resolution. XXXX, XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never days late.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these Items ( A ). It is not permissible to fail to validate these reporting Items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi I've opened a ticket with binance.us to reset my account in order to be able to transfer and trade funds but it's been over 20 days with no response. 
ticket number is # XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express any 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 finding indicates 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 reporting or other personal consumer reports

I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : -- -- -TransUnion 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: Student loan

I was under the impression that I had set up a repayment plan with Sallie Mae, since I had last spoke with them in XX/XX/XXXX. On XX/XX/XXXX, I received a letter referring to Notice of Right to Cure Loan Delinquency. On XX/XX/XXXX, I called them on my lunch break ( around XXXX XXXX ), which is within their open hours, and it stated to call back during the hours they are available. I called them again that evening ( XX/XX/XXXX ), and when I was able to speak with someone, the resolution team was unavailable. 

On XX/XX/XXXX, I called back and spoke with them. They asked for my information like income and expenses and was told I had to get in touch with my cosigner for them to ask the same questions. When we tried calling him, he did not answer. During that time, I requested an income based repayment plan. They told me that they don't have income based payment plans. 

On XX/XX/XXXX, I attempted to call my cosigner to go through the same process. He did not answer ; I tried calling several times. I then reached out to Sallie Mae to request a repayment plan without speaking with the cosigner. The representative asked me the same questions as before. He asked how I was paying my bills with the income that I have, and I stated that I wasn't able to keep up with everything. He even stated that he saw 2 payments of the amount that is due on a monthly basis, and implied that I was lying to him about my expenses. I asked about options like an income based repayment plan, and he then again repeated that they would have to consider the information from my cosigner before making any decisions. 

It took about a year of searching to get the job I am in after graduating from college. I have a family, and I have been attempting to right-size payments in order to stay on top of my debt without having to put the entire financial burden of the family on my partner. When I try to resolve this with them, they defer and make broad statements about repayment calculations, but do not explain what they are looking for or offer any assistance on how we can resolve this.
Product: Credit reporting or other personal consumer reports

I have noticed auto loans that I didnt even know about and also unauthorized stuffs that I never knew about. XXXX XXXX XXXX  so im always working. I never give permission to those people to run my credit
Product: Mortgage

My mortgage loan was with SunTrust and in XXXX 2013, they transferred my loan to XXXX as a bankruptcy mortgage loan to service. I never filed bankruptcy nor was I ever late or behind on my mortgage. this has caused my credit score to decline and I cant refinance my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$180.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of inaccurate information on my Experian credit report concerning a XXXX XXXX account ( account number : XXXX ). This account has already been deleted from my XXXX credit report and should therefore also be removed from my Experian report. 
According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Additionally, under 15 U.S.C. 1681i ( a ), consumers have the right to dispute inaccuracies on their credit reports, and the credit bureau must reinvestigate the accuracy of the disputed information. 
The presence of this XXXX XXXX account on my Experian report is a clear discrepancy, as it has already been verified and deleted from my XXXX report. I have attached a copy of my XXXX credit report reflecting this deletion for your reference. 
Please take immediate action to delete this inaccurate information from my Experian credit report. I expect confirmation of the deletion within the legally mandated time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we go again with Equifax. They keep reinserting a tradeline that damaging my credit right before I going house shopping. They said I submitted a dispute on a tradeline ( XXXX XXXX XXXX ), so they reinserted this back on my report. How can you dispute something that was not on your report in the first place. I submitted disputes through CFPB previously that this tradeline was paid off. Dispute # XXXX and XXXX. It was found in my favor both times. Equifax deleted it off my report after the complaints, But Equifax continues to reinsert this tradeline with negative statements. Damaging my credit. Now I have to wait until this is resolved again. This tradeline paid. XXXX is Equifax XXXX with me for.
Product: Student loan

Secured FFEL loan. Loan transferred to different services. Made numerous payments on loan. Servicer would not provide documentation or verify existence of loan. I have paid in excess of the amount I have borrowed. Servicer refuses to allow me to make a lump sum payment on loan. Servcer only will take payments with inflated interest. Servicer will not provide proof of payments to date. Servicer lied to me to get me to make payments by saying I needed to pay them before I could utilize a rehabilitation program. Pursuant to OMB Form No. # 1845-0120 I do not need to make payments before applying for rehabilitation.
Product: Mortgage

I submitted a written request for information on the website maintained by the servicer for my mortgage loan, Dovenmuehle Mortgage , Inc. ( " DM '' ), on XXXX, 2020, over 30 business days ago. That inquiry was a qualified written request. Consistently with their generally poor customer service, DM has not responded to my inquiry.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I disputed this company several times and have NOT received any debt validation pursuant to 15 USC 1692g. The company did not give me the opportunity to dispute this debt before inserting it on my credit reports. I've contacted the company many times and have NOT received any response from them in hopes of rectifying this matter. I will also file a complaint with the Federal Trade Commission, XXXX XXXX XXXX, and the Attorney General of your state. I will also seek damages in civil court.
Product: Credit reporting or other personal consumer reports

Dear Sir/ Madam, I am writing to formally request validation of a debt reported on my credit file, as provided under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681 ( e ) ( b ) and 1681i. 

My name is XXXX XXXX and my Social Security number is XXXX. I have identified the following debt on my credit report that I believe to be inaccurate or unverifiable : - Creditor Name : XXXX XXXXXXXX - Account Number : XXXX - XXXX In accordance with Section 1681i of the FCRA, I am requesting that you investigate this matter. Additionally, I want to emphasize that I never provided written consent for my information to be furnished or obtained regarding this debt, as required by Section 1681b ( a ) ( 2 ).

Please provide the following documentation to validate this debt : 1. The name and address of the original creditor.

2. A copy of the original signed agreement or contract.

3. An itemized statement of the account showing all charges and payments.

4. Proof of your authority to collect this debt. 

If you are unable to provide the requested validation, I kindly ask that you delete this inaccurate information from my credit report, as mandated by Section 1681i ( a ) ( 5 ) of the FCRA. 

I appreciate your prompt attention to this matter and expect a response within the legally required time frame. Please send your response to my address listed above. 

Thank you for your cooperation. 

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

Today, I am writing this complaint to CREDENCE RESOURCE MAN regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.

payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 were as impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but also has 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: Debt collection

I do not have electricity or gas bill in collection. This is not me. I was never informed of such action before you deemed I was responsible and added to my XXXX credit report.
Product: Debt collection

IQ Data International phone # XXXX X XXXX XXXX XXXX has called me at the general number for my work at least 4 times today ( XX/XX/2019 ). The first occasion was at XXXX this morning. I explained I was at work and she insisted she had to talk to me right then. I spent over 20 minutes on the phone with her and XXXX XXXX? trying to establish payment options ( which they refused and wanted a full payment up front ). XXXX XXXX was argumentative and very mean when I explained I was at work and she can not take my employers time to discuss personal matters with me. I tried to call back during my lunch break to verify I was attempting to see if I could find some alternative means to prevent the debt from hurting my credit score. They are closed during my lunch break. Then she called twice to my work # after I had already explained it was inappropriate and she raised her voice to me. I can not be harassed in my place of work. I did tell her I was reporting her. She also accused me of being evasive by not answering my cell phone while at work. I am on company time and can only make phone calls during my breaks. It would be inappropriate for her to continue to call a general office #. I would rather her send the debt to collection than jeopardize my employment. She also yelled that she has every right to call me at my employer and lied and said there were no consumer protections and no legal means to get her to stop.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : PORTFOLIO RC Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a discrepancie I have identified on my credit report, dated XX/XX/year>. After a thorough review, I noticed an account that do not belong to me. I am seeking your assistance in promptly removing these inaccurate entries from my credit history. 
The questionable account is as follows : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT XXXX MUST REFLECT THE STATEMENT BALANCE OF {$520.00} IT HAS NOT BEEN UPDATED BY THE REPORTING AGENCIES FOR OVER 1 MONTH AND I EXPECT THEM TO EXPEDIATE THE MATTER AND UPDATE AND CORRECT THE LOAN BALANCE AS PER Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Product: Credit card or prepaid card

There are a series of issues but the main issue is that the credit card company ( Barclaycard XXXX XXXX Mastercard ) closed a dispute I filed due to the length of time that had passed from when the charge was posted. The reason for the length of time was two-fold : 1 ) When I originally called to file the dispute ( which can not be easily done online or by phone but rather must be faxed or mailed ), I was told to first attempt to resolve it with the merchant. I attempted several times to resolve with the merchant and ultimately when it was not resolved, returned to my credit card company to officially file the dispute. 
2 ) After taking over a month to review my case, I received a notification that the time a dispute could be filed had passed. 

I called the credit card company again letting them know that I had followed their instructions. They assured me they would look into it and reopen the case. After several more attempts to reach them, they have stopped responding to me regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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

PREVIOUSLY DISPUTED AN ACCOUNT ( XXXX XXXX ) ON MY CREDIT BUREAU. THE ACCOUNT WAS REMOVED FOR ABOUT 3 MONTHS. AS OF XX/XX/2016 THE ACCOUNT IS BACK ON MY CREDIT REPORT WITHOUT BEING GIVEN NOTICE OF INFORMATION BEING REINSERTED. I AM NOT ASKING FOR A REINVESTIGATION.
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX  I received a phone call from professional bureau of collections of Maryland. The representative started the conversation stating at I owe a debt. I advised the representative I was sick and this was not the best time to speak. The rep continued to harass me about the debt. I advised the rep she was violating my rights as a consumer and she continued. I again advised the rep she was violating my rights as a consumer by continuing the conversation while I was in distress I advised the rep I was becoming very ill while speaking with her and that she was adding to my stress level by repeatedly asking me was I going to take care of the debt or not. The call was very unprofessional and it was a inconvenience to me. This harassment was unacceptable and someone needs to take action
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights 15 usc 1681 section 602a states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer. Reporting agency can not furnish a account without my written instructions