23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was a victim of the data breach from TransUnion, and didnt remove false information, on my credit reports, such as inquiries that I never did any kind of business with
Product: Money transfer, virtual currency, or money service

Venmo has permanently disabled my account without any justification or explanation aside from : " While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement.

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. '' Venmo first suspended my account, then asked for ID verification, which I sent, and then sent the above response. Now they have my personal information including my SSN and refuse to explain why my account is frozen. 

The ticket number for the event is XXXX. 

I have reviewed their terms and policies for use and do not see anything that would warrant a violation. It's concerning that private information was requested and then my account was disabled shortly after. 

There are several online posts explaining the same thing has happened to many others. Not only is it poor customer service, but seems like a security risk to have my personal information being held by a banking institution that seems to rely on bots and AI to respond to email communication.
Product: Checking or savings account

Capital One has not deposited my XXXX payroll deposit into my accounts, and they have failed to provide updates not customer service. 

This failure to deposit is impacting my ability to pay bills, and now i am accruing additional interest and fees.
Product: Mortgage

This mortgage company took over my account and immediately started attempting to charge me late fees for my payments. When I would call to dispute such charges the representative would tell me that month 's payment was applied to the prior month and that I was a month behind. I have never missed a payment and have all of my bank statements and cancelled checks to prove such. Each time I inquired which month they claimed was missing no one has ever been able to tell me. The burden of proof is on them to prove this false accusation.I have refused to pay any of these " late fees '' as I do not owe any. I have continued to pay my monthly mortgage and have been doing so for 26 years.I also always mail my payments 7-10 days early to assure they arrive by the due date. This company is a predatory mortgage company and have deliberately mismanaged my account in an attempt to gain extra funds from me and in the recent weeks threaten me with being in default. They have cashed recent mortgage payments and not credited me and have deliberately held my payments and cashed them after the due date in the past in order to charge me a late fee. Again, I always mail my payments early enough to arrive before the due date. There is no way such payments arrived late. This company also has sent offers in the past to " wipe away '' all late fees if I refinance with their company.This would cost thousands of dollars and leave me with a higher interest rate than I currently have. This again shows their predatory nature and what their true intentions are. This company has over 12,800 complaints with the CFPB and should be highly investigated.
Product: Student loan

I have been paying on my XXXX XXXX ( now Navient ) Student loan since XX/XX/XXXX at 7.375 % interest and all the payments have gone to interest, my balance remains the same. I still owe {$45000.00}. I am paying $ XXXX per month and they 're telling me it wo n't be paid off till XX/XX/XXXX when I 'm XXXX years old. I can not refinance since I consolidated them many years ago and I think the set up is a total scam. I do n't have enough monthly income to afford a used car and barely have enough for food and regular bills every month. Should a medical emergency or issue befall me, I will be ruined. I can not afford to put much back for retirement so I am looking at working to well in my XXXX. This is outrageous punishment for trying to better myself. I have kept up on my payments and they are just using my payments to line their pockets. I think this loan should be paid off by now considering I 've been paying on it for XXXX years and I believe it should be forgiven at this point. This student loan is such a burden on my quality of life and possibility for retirement. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX removed off of reports and closed and XX/XX/XXXX XX/XX/XXXX another complaint Several attempts have been made and this account was closed and removes and now it's back on my credit report different name complaints have been filed with cfpb and ftc for The General Company Equifax continue to violate the law have not validate debt and still will not remove this collection debt off my report its continues to be a problem on my report
Product: Checking or savings account

In XX/XX/XXXX we realized our debit cards were being used fraudulently and our checking account went negative. 
No one from bank contacted us. We contacted them and all charges were credited. 
WELL XXXX I was out of town for a month and the same thing happened and then our credit card as which was used fraduently and paid thru our checking account had this happen again, I contacted them and they opened up a fraud claim that was approved, However I called and they stated they had no idea about this fraud claim. 
I was at local branch and the teller remembers me calling them ( FRAUD DEPT ) to make the claim from the branch. Well several months later nothing still has been done. 
I was credited for a couple of the charges but not everything. I also thought I closed the fraudulent account but it remained open and took us into the negative as well as the new account as well????? HELP XX/XX/XXXX fraud claim opened XX/XX/XXXX CALLED NO FRAUD CLAIM FOUND XXXX opened another fraud claim and received a small credit roughly 240.00 .
I am still missing credit of ove 3000.00 $
Product: Payday loan, title loan, or personal loan

Barclays Bank Personal Loan Mail solicitation for Personal loan fixed for XXXX months up to {$35000.00} Rates starting at 4.99 % I received a print ad on XX/XX/XXXX that does not expire until XX/XX/XXXX. The ad states that XXXX XXXX ( me ) has a pre-selected confirmation. 
For Fixed APR as low as 4.99 % with no fees I was issued an offer code to input and directed to www.barclaysloanoffer.com.

The site immediately states 5.99 % is the lowest rate ( before I even enter any personal info or invitation code ) After, entering the invitation code. The site asks some personal info but does not ask for permission to run credit check.

Then I was give 3 options to choose in order to move forward which were much higher than the solicited rate ( note : I have excellent credit ) The site states that if I choose one of the options a credit check will be performed but will not ding my credit score. There is no option to move forward unless a much higher rate is chosen. 

After calling the customer service # I was told by the rep that the solicitation " is no longer valid and lowest rate is 5.74 % because of prime rate going up '' additionally, I was told that " the marketing department generates the solicitations months ahead of time ''. After, requesting supervisor XXXX rep # XXXX. I was told that the 4.99 % was expired and now lowest is 5.99 % however she then changed her statement and said the 4.99 % was only available to a private few who received the solicitation. 

I was told I must have not have high enough credit to qualify for a better rate and then transferred me to the finance department. 

Another supervisor XXXX rep # XXXX claimed my credit score was XXXX and that qualified for the much higher rates. However, when I asked what was needed to qualify for the 4.99 % rate advertised she said she did not know and at no point could tell me the requirements needed to qualify for the advertised rate. Also XXXX acknowledged mistaken statement by other reps and said internal training would be done! but would not honor my advertisement
Product: Mortgage

My kids father told me the only way he would support my desisions reguarding my children was if I stopped XXXX payments and wrote off the back pay because my mother was telling my daughter to lie to me about things I did not want for my daughter. I filed for bankruptcy and 3 months later I was fired. I have a learning XXXX and I stated this to my attorneys from XXXX and XXXX. I have no one will contact me back. I have tried to email XXXX and XXXX. Last time I went into the office they told me to file for chapter XXXX once I have a job. I am a XXXX XXXX XXXX at XXXX. I give up my car. I have no support from anyone. I can not loose my house I am a single mother of XXXX amazing children. Please help me.
Product: Credit card or prepaid card

Monday XX/XX/2022 I call into Wisely to dispute over 40 XXXX unauthorized charges. Per usual I get the worse customer service experience ever. After filing the dispute my card was closed and I as issued a new card, which I had to pay to have expedited to me. I had to call in everyday for a tracking number for my card which I never got. They will promise to call back and/or email and lie! All their calls are recorded they can check for themselves. These people will not protect your money. This is my 2nd dispute in about 3-4 months. They are not on their customers side and do not serve your best interest. Today XX/XX/2022 I receive an email stating " This letter is to notify you regarding the disputed transaction ( s ) listed on the attached page ( s ), which you recently submitted. The investigation has been finalized and we've determined that there was no error. Record analysis indicates that no fraud has occurred as investigation results match information on file. No credit will be issued. '' The kicker is this is coincidently maybe about 1 days before Regulation E timeline expire for my provisional credit my claim gets denied and Wisely did nothing to protect me as a customer. Without any written explanation of their false findings. I reported the unauthorized charges as necessary. Mailed back The Statement Of Fraud XXXX Priority Mail with a Tracking number. They will take advantage of their customers hoping they don't know any consumer laws. They will not reopen the investigation and I'm out near $ XXXX in fraudulent charges. I need the documents the bank relied on to make its decision as that is my consumer right. I will be looking into a Consumer Protection Attorney. I will also be closing this account with this janky bank expeditiously. People please if you want a secure account with a banking institution that cares for its customers go elsewhere, you've be warned. Over $ XXXX deposited at this bank yearly and they could careless about unauthorized charges on my account. Save yourself the time, headache, and resources and go to a Real Bank.
Product: Credit card

I sent the indentiy theft report also letter stating I want everything related to the case including items bought address where items delivered atms wet signatures and more none was provided just a letter stating when they charged off there wasn't a identity theft in placed and they tried to contact me in contract they had a right to sell to other debt collectors. Where's the proof I want all the evidence that I used this amount of debt if not I want this deleted of my account not just saying it's verified with no paperwork behind it I want all of it.
Product: Credit card

Dispute of Improper Account Charges and Reporting Violation of FCBA, FCRA, and TILA This account was secured with a {$500.00} deposit and has since been closed. Upon closure, the company retained my deposit, yet reported a charge-off of {$72.00} and has continued to report and apply additional charges after the account was closed, {$220.00}, past due, which I believe violates several federal consumer protection laws. 

Original Deposit : {$500.00} ( opened XX/XX/year> ) Charge-off Amount Reported : {$72.00} This situation violates the following consumer protection laws : Fair Credit Billing Act ( 15 U.S.C. 1666 ) : prohibits billing for unauthorized or incorrect charges, especially after account closure.

Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) : prohibits reporting false or misleading information to credit bureaus.

Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) : requires proper application of security deposits and full transparency in account terms and practices.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX You are in Direct Violation of the Fair Credit Report ( XXXX  account # XXXX ), has violated several of my rights.

15 U.S.C1681 section 602 A. Clearly states that I have the right to privacy 15 U.S.C1681 section 604 A section 2 : it also states a consumer reporting agency Conor furnish an account without my written instructions 15 U.S.C 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. 

Remove this late payment and update the account immediately as u are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

The wrong amount is being reported on my credit reports! You need to report account in good standing, I making minimum payments agreed upon!
Product: Debt collection

Brown & Joseph , LLC created an email and sent it to family members telling them its for debt collection. Mass generated email of relatives and sent the bill to be paid and how to pay to rest of the family. It is a clear violation of privacy and collection practices.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate XXXX  XXXX XXXX  Record I am filing this dispute regarding an inaccurate XXXX  XXXX XXXX  record listed on my LexisNexis consumer report. This information, sourced from a third-party company, is incorrect and damaging to my credit and reputation. LexisNexis has failed to provide supporting documentation to verify the accuracy of this entry. 

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), LexisNexis must ensure the maximum accuracy of consumer data. Additionally, under 15 U.S.C. 1681i, they are required to investigate disputed information and correct or delete inaccuracies promptly.

I request LexisNexis immediately investigate this matter, provide proof of the source, and remove this false bankruptcy record from my report. Please notify any third parties that accessed my report of this correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.REMOVE THE FRAUD ACCOUNT ASAP!
Product: Debt collection

I was a victim of multiple data breaches. A lot of items on my credit report are inaccurate.
Product: Credit reporting or other personal consumer reports

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures. To prevent and address on their platform. Leaving my account vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused and significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Submitted a loan application and received a locked Loan Estimate on XX/XX/XXXX. This Loan Estimate did not have an amount disclosed for Transfer Taxes. I received 6 revisions of this Loan Estimate, all with minor or expected changes. On the 7th revision dated XX/XX/XXXX, I noticed a new charge of {$3300.00} for Transfer Taxes. Creditor indicated reason of Loan Estimate revision was " New information unknown at time of original LE ''. There has been no change of circumstance to my loan application. There is no new information about the borrowers that was not previously submitted to the creditor during the application. I tried to no avail to get the charge removed after quoting TRID rules that state transfer taxes are subject to the zero tolerance standard. I am also confident that the creditor is not computing the required transfer taxes correctly and overcharging the transfer tax by about $ 3,000+.
Product: Checking or savings account

XXXX XXXX XXXX I found out that somebody open a fraudulent account with USAA in 2013 acct number XXXX and it was charged off. I sent USAA Documents and disputed this Bank account that wasn't mine. I sent in a police report fraud addavit and signatures of mine in front of a notary USAA DID NOT DO A FULLY INVESTIGATION On this matter. They notified me within XXXX weeks that it was verified mine which was a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX XXXX to provide proof that they are licensed to collect in my state of Florida, but instead they only sent me generic claim that they validated the disputed accounts accounts # XXXX and # XXXX ( see attached CFPB complaint ). Please investigate and delete these false disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a Private school loan with My Rich Uncle ( aka 'XXXX XXXX ' ) back in XXXX. At that time I was at the University of XXXX at XXXX ( XXXX ). Please note this school has changed its name to the University of XXXX XXXX XXXX XXXX ( XXXX ) in XXXX. In XXXX I transferred to the University of TXXXX XXXX ( XXXX ) where I am presently enrolled. A few years ago, I noticed that American Education Services ( AES ) the loan servicer erroneously reported to all the credit bureaus that this student had begun making repayments on this private loan and then stopped. This resulted in AES issuing another false report to all the credit bureaus that this student had DEFAULTED on his loan payments and as a result, he has missed several payment deadlines. This is the crux of the problem because when you review the Credit Report ( CR ) of this student one will see that all of his student loans, both private and federal have been placed in deferment until graduation on XX/XX/XXXX. 
Interestingly, AES is the only servicer who has engaged in this type of unprofessional conduct. When I brought this to their attention a few months ago, they sent me a deferment form to fill out and return with a copy of school 'Enrollment Verification ' ( EV ) which was done about a month ago. Then two days after receiving the completed deferment form and EV -- -they issued a letter of denial stating among other things that I no longer qualify for deferment even though I have never left school and still in school. This 'Dirty ' tactic of reporting me as being in default is negatively affecting my CR and this reporting of false information needs to STOP.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$95.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$95.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX & Transunion about an account that was not valid on my credit report. It's been over 60 days and they have not replied with the results. I'm distressed and need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts listed on my report that were not mine. Several dilequencies also reported that were not mine. Personal/private information has been compromised. Contacted Bureaus letting them know of fraudulent activity over 1 year ago when it was detected XX/XX/2016. Several accounts have still not been resolved. Still affecting my credit score/report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

Please correct the inaccurate employer information. My current job is XXXX not XXXX and XXXX is no longer valid please remove. 

I have included the following information : My drivers license XXXX XXXX