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

On XX/XX/2021, Venmo permanently deactivated my account due to unspecified " violation ( s ) of the User Agreement. '' At the time, my Venmo account had a {$310.00} balance. In the email notifying me about my account deactivation, Venmo also told me that they would hold my {$310.00} balance for up to 6 months, and potentially never return them to me. I appealed this decision via email on XX/XX/XXXX, and again on XX/XX/XXXX, but each time Venmo refused to return my money or cite any reason for Venmo 's actions. 

Venmo claims that their terms allow them to seize users ' account balances, keep them indefinitely, and never offer any explanation, appeals process, or recourse of any kind. If this practice is legal, hiding a provision of this magnitude in the T & C ( which users don't read ), is intentionally deceptive. If users knew of this policy, most people would not use Venmo. Under this policy, users funds are not safe on Venmo. Venmo offers debit cards, and clearly intends for consumers to use their app just as they would a checking account. 

I am not aware of any bank that is allowed to arbitrarily seize account holders ' funds, and Venmo clearly wishes to reap the monetary benefits of banking services while avoiding all of the consumer protections associated with conventional bank accounts. A cursory XXXX search shows that many other Venmo users have faced the same unexplained account closure and balance theft that I am currently dealing with. I am a graduate student with no regular income ; losing {$310.00} is a big deal for me, as it would be for most other people. In short, I am asking that the CFPB take steps to compel Venmo to give me my money back, and prevent them from doing this to others in the future.
Product: Debt collection

Have spoke to this company multiple times in which a set amount is taken weekly to pay the debt. They continue to send threatening letters.
Product: Credit reporting or other personal consumer reports

I have not sanctioned these inquiries and believe they are fraudulent. I urge you to conduct a thorough examination and swiftly remove them from my credit report.
Product: Credit reporting or other personal consumer reports

The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) And Via The privacy act of 1774, my federally protected consumer rights to privecy and confidentiality as be violated under 15 USC 1681 * 15 U.S.C 1681 section 602 A. States I have the right to privacy. * 15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions. I am now opting out of any, and all authentication i the consumer may have given the Company written, and unwritten, verbal and nonverbal Via ( 15 USC 1602-1605 protection of public personal information ) The Account Ended in # XXXX is marked on my report as a charge off that is now considered a certificate of indebtedness that is now considered income by the IRS also income can not be reported to ones consumer report. Also Via 15 USC 1681B Permissble purposes indicates that information should be 100 % accurate the account has inaccurate dates, and payments history the law also states it is illegal to report transaction history via USC 1681 A section 2
Product: Debt collection

A debt collection Agency, XXXX XXXX XXXX, or company claiming to be this, emailed and called my employer for the purposes of demanding they forfeit my personal paycheck to them to pay off a, " personally guaranteed '' XXXX loan between their client and my business. Copies of the agreement between me and the original lender as well as copies of my personal bank statements were provided to my employer, even after he explained that he is my personal employer and has nothing to do with my business, or this loan. Documents were provided that had sensitive information to my employer, without his request, and after he explained to them that he was in fact my employer, not a business account. This company also provided information to my business accounts in the same manor. I have requested that this collections agent stop this behavior on three occasions. They continued. I reached an agreement with their client to pay down this collections debt and XXXX XXXXXXXX XXXX  refused to follow the agreement I made with their client XXXX Merchant Solutions. They have done everything they can to harass me and my business by threatening my employer, embarrassing me to my job and personal business accounts, and taking higher payments directly from my bank account than were ever agreed to. They have also tact on more in fees than my loan even has left making it impossible to satisfy the debt with the original lender.
Product: Credit reporting

I was informed all paid medical collections should be removed, two old paid medical accounts are still listed. These items were disputed and nothing was removed. Why is n't Equifax complying with the law? Please help assist
Product: Credit card or prepaid card

I obtained copies of my credit reports and I also had my credit report pulled by a mortgage company and to my surprise there was a big difference in my credit scores. I looked over the credit reports and noticed that Sam 's Club cards, though opened in XX/XX/XXXX, they were not reported to the credit bureaus until XX/XX/XXXX. 

One Sam 's account was only reported to XXXX and XXXX. Never reported to XXXX. This same account which was opened in XX/XX/XXXX, was never reported to the credit bureaus until XX/XX/XXXX,  which is almost 2 years of good payment history which was never taken into consideration into my credit score as it was never reported by XXXX XXXX/ Sam 's Club . 

The other account with Sam 's was opened the same month and year, XX/XX/XXXX, which is being reported to all 3 credit burueas but the dilemma is this : though the account was opened XX/XX/XXXX, they did n't start reporting the account to the credit bureaus until XX/XX/XXXX. This a a whopping 6 years of good payment history that is not calculated into my credit score, meaning my credit score could be hight if those years of payment history would have been reported. I have paid higher interest rates, been denied credit due to them not reporting ALL of my timely payment history, which is truly not right! 

The last account is reporting to all 3 bureaus, also opened in XX/XX/XXXX again but not reported until XX/XX/XXXX. 

I have contacted XXXX XXXX and spoke with representatives and a supervisor by the name of XXXX, who have tried to refer me to the credit bureaus, and have told me it is at their discretion as to when they report an account to the credit bureau. They offered for a complaint to be filed which would take up to 60 days, however I have applied for a mortgage and this inconsistancy and failure to report all information has caused me to be denied, as factoring this information in will afford for an increase in my score and an approval.
Product: Debt collection

Received a phone call on XX/XX/XXXX from XXXX XXXX XXXX telling me a civil complaint was filed against me, gave me a phone number to call XXXX and a claim number : XXXX. The company I called said their name was XXXX and they had a complaint about debt to Bank of New York/Mastercard for {$6700.00} from XX/XX/XXXX. If I agreed to pay it off today, it would be only {$4200.00}. If I didn't pay they would garnish my wages. I explained I never did business with Bank of New York or MasterCard and this debt didn't belong to me. I asked for written proof and was told that many letters had been sent to my address. I never received anything. I was told it was " too late '' for that and I had to make arrangements right away. They had my social security number and date of birth as well as my name and address. I am afraid they will use this information to steal my identity or some other criminal activity. I hung up after telling them again to send proof. I also sent them a letter stating the same thing. I received another call that day, and one again today from XXXX telling to call the XXXX number  regarding a civil complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor keeps reporting late payments on my credit report for XXXX and XXXX of 2020 even though they have been deleted from my account on XX/XX/XXXX. 
Bureaus do not have corrected information about deleted late payments. 
Creditor is saying that they have notified the bureaus to delete those late payments twice, but bureaus are stating that they have not received anything. 
Disputes with bureaus did not bring any results. 
I am asking you to get involved.
Product: Money transfer, virtual currency, or money service

i sent money to a person and the wrong amount was entered and I canceled the first one but the second one went through with the wrong amount and now I can not get in contact with the person and money gram is not trying to help me after several attempts
Product: Bank account or service

Multiple times now ( XXXX of which documented below ) I have been charged an overdraft item fee for an item that did not overdraw my account. After I contacted Suntrust Banks the first time I was told that I did not understand their policies and what had occurred. I was told that if the person helping me could simply show me what they saw that I would understand but since they couldnt they would refund me XXXX of the XXXX overdraft fees that had occurred ( the first of which was unwarranted and the subsequent ones were a byproduct of the {$36.00} fee I had been charged )
Product: Credit reporting 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

My Name is XXXX XXXX Phone number is ( XXXX ) XXXX Email is XXXX I sent {$10000.00} usd to XXXX as XXXX dollars it should have been the same amount that was sent received. Instead in XXXX my mother received {$700.00} less than the {$10000.00} that should have been received. I am very upset about this I tried going to the branch at TD bank in XXXX XXXX XXXX, NY. I spoke with the representative she told me she would send an email and call me she did but I was told by her and her manager that they are very sorry there is nothing else they can do about it.
Product: Debt collection

Dear Discover Bank, I am reporting you to the Internal Revenue Service ( IRS ), all appropriate forms being filed. This account will be AUDIT immediately by the IRS.
Product: Checking or savings account

This is a 3rd time I am filing a complaint to Money Lion regarding my dispute ( dispute file # XXXX ) for a fraud transaction taken place on XX/XX/2021. Even after explaining and doing everything I can possibly which I was requested by a representative XXXX at Money Lion to prove money was never received by my bank or to me, even have performed a three way calling with the bank representative and confirmed they have never received the funds back but still Money Lion refuses to give my money back in the amount of {$1000.00}. 
This has been a very long process and a very much stressful frustrating experience. 
I will continue to fight for my rights as a consumer in receiving my money back from Money Lion on this fraud transaction because it is very much clear Money Lion still has my money because my bank confirmed they've never received in their system.
Product: Debt collection

SELF FINANCIAL INC / LEAd-Account 's Date Opened : XX/XX/2021 -- XX/XX/2021 ( XXXX and XXXX ) XXXX Account High Balance/Original Balance : {$520.00} -- {$520.00} I have sent in my accurate up to date info and FTC report and police report my personal information was used to obtain this fraudulent account, I have been fighting to get this removed from my report because it is. fraudulent and there is no verifying evidence to legal attach this to my report. I have also sent in multiple disputes to have this item removed and I feel like my request want been heard. please do a full investigation on the account
Product: Debt collection

I respectfully request that you conduct a thorough investigation, as by the Fair Credit Reporting Act ( FCRA ). I would like to request that you please send me a template letter in response to this request. I am in the process of planning a legal case, So I need specific answers to specific questions asked of you in this letter. I am very interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. These accounts listed below as collections /charge off / Late pays/ charge offs on my credit report, but I have never received a 1099c for these accounts. Can you please provide me with a 1099c to accurately reflect them being charged off for tax purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion. is reporting that XXXX XXXX is reporting I'm late on XXXX credit cards on my credit report XXXX month after the cards was closed. I've sick for XXXX months so due to that was unable to work for that time frame. In XXXX XXXX XXXX decided to closed XXXX of my accounts because the auto payments was sent back. They closed both cards in XXXX but are adding high interest and fees to the account after they closed the account. In addition to that they reported that I was late in XXXX on my credit report when they closed my account in XXXX. I try to work with them and they are not helpful.
Product: Debt collection

Spoke with collection company about a higher than original balance on my account. It turned out that the debt collection company decided to add anothers person account to mine. They claim it is my spouse, my spouse is A completely different person than what they claim and has been my only spouse. When I tried to get them to remove this debt or to offer me a letter saying that my payments will only apply to my original account to which I acknowledge and would like to pay they said they couldnt do that. All I wanted was a guarantee in writing that my payments will only go to the accounts that I am responsible for, not some other account that without my knowledge or any written proof that its in anyway linked to me, but they wouldnt do that either.
Product: Student loan

I 'm dealing with Navient and it has been a hassle understanding the balance being reported on my credit report and interest being applied. I Recently saw a {$3000.00} spike on XXXX loan in a 30 day period. There are XXXX other accounts being reported and I need to know what schools they came from because the same activity is happening on those loans. Navient has not been of any help even though they call me daily about a payment that I do n't owe. I was forced into an IBRP because I did n't know my rights and did not want my credit effected anymore. After all, it 's the government. But if I 'm forced to pay something I would like to know the source, where the balance is coming from, and the interest rate applied to calculate the amount of accrued interest. If Navient is unlawfully misapplying payments and can not verify the above, the only resolution would be to delete these accounts.
Product: Credit reporting or other personal consumer reports

I want to report Experian because I believe that they don't have anyone in their core customer service. I called the number ( XXXX ) XXXX that is available on their website for customer service. I was also given this number by XXXX of the representatives who did not work in the regular customer service department. I was given this number, XXXX XXXX XXXX, by another representative. Those XXXX representatives I had encountered did not transfer me to anyone. I called again and again and only encountered a robotic voice on both numbers. I tried other numbers as well available through AI information gathering, and was met with the same thing. I also tried email and was also met with automated messages. I emailed XXXX and XXXX. 
They seem not to have a core customer service email either. At least, I couldn't find XXXX. I do not currently have my old phone number, so I wasn't able to recover my account. At this point, after hours of trying to reach someone only to get hung up on by the automated robot, after providing my social Security numerous times and asking to transfer to customer service, I believe that there is no customer service for their company. If I could, I would delete my account so I can create a new one, but I don't think that is possible since there's no one to email in the US, at least from my understanding. I think it's incredibly horrifying that a company could have no one working for them for security purposes and access to Consumer accounts. This should be illegal, honestly, especially when my social security information is involved. 
I researched and researched, and they do not even have a live chat. I have no one to reach to reset my account with my sensitive information. I have also lost information of my security question and my PIN, which is, for some reason, the only way you can reset your account other than your " registered phone number, '' which I no longer have access to. I have called the number ( XXXX ) XXXX over and over. They have posted this number on their website as their customer service hours are XXXX XXXX to XXXX XXXX from Monday through Friday. I called around midday, trying to contact them from XXXXXXXX XXXX. to XXXX XXXX to no avail. I have also called the number XXXX XXXX to be met with a robot voice as well. On my caller registry, it says " XXXX XXXX XXXXXXXX ''. This has to be some kind of joke or fraud and should be illegal. I have tried other numbers claiming that they are customer support from Experian. Every single time, I met with an automated voice and was denied a customer service transfer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX provided me with a truck loan, loan XXXX. Theyre incorrectly reporting me 30 days late for XX/XX/year> to XXXX and Transunion XXXX XXXX already got my dispute and correctly removed the 30 day late. What happened was for XX/XX/year> I made the payment on the XXXX day which was a Sunday, and since theyre closed on Sunday companies under proper credit reporting guidelines are supposed to give the payment until XXXX the following business day to post. My payment was not over 30 days late, it was made on the XXXX day, making it not over 30 days, which XXXX correctly reported. This incorrect 30 day late on TransUnion and XXXX is causing me to not be about to close on a home mortgage for my family. Ive never paid 30 days late on any account on my life, and this error is harming me and my family severely. XXXX XXXX is incorrectly refusing to remove the 30 day late with TransUnion And XXXX. Im attaching a copy of XXXX removal of the 30 day later from XX/XX/year> reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX US DEPT ED Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX
Product: Credit card or prepaid card

Complaint Details I recently applied in XX/XX/XXXX for an XXXX American Express Gold card I was approved right away and received no notification that my file was really under review I received a temporary card number and email saying I was accepted with in minutes. I applied for this car solely for the welcome bonus I can not remember if it was an email welcome or if I saw an ad for it the welcome bonus was receive XXXX or XXXX ( cant remember exactly ) sky miles when you spend XXXX or more dollars on in XXXX days and get a {$200.00} credit for purchasing any XXXX eligible purchases within 90 days. I did those things on my first billing cycle called in was told everything was good look to get those miles within 8 to 12 weeks recently called in and was told I was really denied for the welcome bonus and I wouldve/shouldve received a pop-up message saying your file is under review would you still like to proceed with the application I would have not if I wouldve received that message I wouldve not because of the hard inquiry on my credit and I wouldve went to another airlines credit card. I did not receive that message and due to the incompetence of American Express I applied because I did not receive that message so to no fault of my own they said I was denied my welcome bonus because I received a welcome bonus over 13 months prior. First off thats a terrible rule ive never been late on any payment and my credit is over 700. But if thats the rule fine but I talked to one of there bosses and was told I shouldve received an instance pop-up message as I go through the application and I did not and because I did not Ive bought XXXX XXXX  that I would not have bought Ive spent money with American Express that I would not have spent and I got a hard inquiry we all can read this and see this is not right and I just wan na come to a solution for this as it should be shouldnt be big companies getting over on the little guy its XXXX and Im glad your here to help.