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

On XX/XX/scrub> 2024, Venmo ( NOT the IRS ) fraudulently withheld monies paid to me ( from XXXX previous Venmo payments ) from my spouse ( from whom I am legally separated ) for reimbursement for childcare expenses ( his share of swim lesson costs for our children ). 

I notified Venmo numerous times of this error, beginning with attempts to reach out via phone ( speaking to dozens of Venmo employees explaining the situation ). Several times I was assured of resolution and was promised calls back to correct Venmo 's error ( to which they were noticed of the error dozens if not hundreds of times ). Having never received the promised calls, I did eventually receive an email with copy/pasted info pertaining to tax withholdings for vendors for " goods and services. '' As apparent in the email threads, I have had no resolution from Venmo for their error. Most of the emails I received were copy/pasted paragraphs about tax withholdings. 

Throughout this process, I could not have been any more clear with Venmo that these payments were childcare expense reimbursement, a point that I re-iterated ad nauseum. Such expenses are not subject to taxes of any kind ; in fact, it is illegal to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't believe that there's been an actual investigation on these accounts, and you've failed to furnish any documentation that prove they are reported correctly. Because of this, I need for you to perform an independent investigation and go beyond the original source of information to ascertain the accuracy of my accounts. I would also like to see any and all documentation that was used in the previous investigation as well as the documentation that you are required to have on file prior to the reporting of this account to ensure accuracy. I am getting really frustrated, because you keep telling me that I'm wrong when I'm sending you info taken directly from my credit report! This is exactly what you are reporting and I'm pointing out the errors, so how am I wrong when it's what you're showing me? Explain to me how these can be verified, then updated and continue to report inaccuracies? Every account listed below came back verified by YOU and UPDATED by YOU, and still report inaccurate items! Delete the following from my credit report immediately! 

XXXX # XXXX date last active XX/XX/XXXX. Experian date last active XX/XX/XXXX DELETE XXXX # Date opened XX/XX/XXXX. Date last active XX/XX/XXXX. DELETE XXXX # in Date open XX/XX/XXXX. Last date active XX/XX/XXXX. DELETE XXXX XXXX # Experian last payment XX/XX/XXXX. XXXX last payment XX/XX/XXXX. DELETE XXXX XXXX # Experian last date active XX/XX/XXXX. Last payment date XX/XX/XXXX. DELETE XXXX XXXX # Account was opened XX/XX/XXXX. Last activity XX/XX/XXXX. DELETE XXXX XXXX # Account opened XX/XX/XXXX. Last date active XX/XX/XXXX. DELETE THE XXXX # XXXX active date XX/XX/XXXX. Experian active date XX/XX/XXXX. DELETE XXXX XXXX XXXX # Account opened XX/XX/XXXX. Last active XX/XX/XXXX. DELETE XXXX # Experian last active XX/XX/XXXX. XXXX last active XX/XX/XXXX. DELETE XXXX # Experian last active XX/XX/XXXX. XXXX last active XX/XX/XXXX. DELETE XXXX XXXXXXXX # XXXX last XXXX XX/XX/XXXX. Experian last active XX/XX/XXXX. DELETE XXXX XXXX # Experian last active XX/XX/XXXX. XXXX last active XX/XX/XXXX DELETE XXXX # Date last active XX/XX/XXXX. Last paid date XX/XX/XXXX. DELETE XXXX XXXX XXXX # Date open XX/XX/XXXX. Date of last activity XX/XX/XXXX. DELETE
Product: Checking or savings account

Hi, This is XXXX XXXX XXXX reaching out here because i dont want my bank account to be closed and the bank did not do anything or consider about my case. i feel like i have no right to protect myself and the bank still want to close my bank account even is not my fault thats because of the check deposit bounced and returned to sender and the bank makes me pay for the money thats not even mine and makes my have negative on my bank account. i feel so unfair with this situation and the bank give me no choice.
Product: Debt collection

In XXXX  I contracted with XXXX XXXX for XXXX years of home security. I was paying {$30.00} per month for the service. I never used the service because I had had a couple of false alarms because XXXX XXXX never gave me instructions on how to use the service. I understood that I had signed up for XXXX years of service so in spite of the fact that I did not use the security system, I continued to pay for the entire duration of the contract. 

When the contract was finished, I called them to disband the service. They told me I needed to send them an additional month of fees ( {$30.00} ). I suspected this was their way of rooking me into another year of payments. I told XXXX XXXX I was uncomfortable with that arrangement and did not intend to pay. 

Im not sure of the exact amount of time it took before they then told me that they were sending my account to collections. That was when I was told I owed {$500.00} for late fees. I asked them for a detailed account statement letting me know how they came to the {$500.00} amount. The collections agency sent me a statement ( attached ) that makes no sense and seems to be totally fictitious. 

As stated, I had a XXXXyear contract for {$30.00} per month. Somehow, according to the statement, over the XXXX  years, the payments nearly doubled. No notification was ever sent that the monthly rate was being increased. Not only did the monthly rate double ( they had my bank information and was being paid directly by my bank ), they claimed that I was late with payments and added on late charges of $ 50-60 per month. I suspect this is elder abuse because they know my age and expect me to pay them this outrageous bogus amount just to get them off my back. 

I would appreciate your assistance in investigating this.
Product: Debt collection

I HAVE SENT THIS COMPANY XXXX LETTER TO STOP CALLING ME AND STOP REPORTING THIS ON MY CREDIT. THEY NO LISTEN TO ME AND I CANS NOT TAKES THIS ANYMORE.
Product: Mortgage

In XX/XX/2019 I paid down my mortgage to below 30 % of my original loan and they are STILL charging me PMI. I have called many times, I faxed a request to get it removed and they are still charging me 4 months later. You can not get anyone to give you an answer and the PMI department is only available by direct mail or fax. ( The first letter I sent them was returned because the address was wrong. I sent it to the address they gave me. )
Product: Credit reporting, credit repair services, or other personal consumer reports

i am requesting the original purchase agreement ( ORIGINAL ) that shows you are the legal owner of this alleged debt. please include all terms and conitions that are included in this purchase agreement. Delete XXXX immediately. Thanks for your cooperation
Product: Student loan

Mohela is transitioning to a new payment platform and is providing no help and no information. They are unable to provide any details about my account - at all. They can not tell me how much I owe per month, no even the specific due date. They suggested I look at my bank account records to see how much I paid last time, and that would be how much I would owe for the current months. They informed me that I was responsible for each month 's payments, but that they wouldn't do any negative reporting to credit agencies if I don't pay during the transition. They are completely unable during the transition to process any payments online or by phone. They told me if I want to pay, I can send a physical check with my old account number for now, but that it would likely take awhile to process. She then proceeded to tell me that even that wasn't a good idea, because by the time Mohela gets to that check, my account may have be transferred by that point, and the individual with the check in their hand won't be able to process it. At that point, a new check with my new account info would need to be sent to a different address. Oh, and by that point it could be up to three months, at which point THREE MONTHS OF PAYMENTS COULD BE MISSED. This is an abhorrent abuse of everyone who is managing debt with this company. Even the barriers to payment are prohibitive. They were so useless that I am now losing sleep over this.
Product: Checking or savings account

Capitol one has held my deposit for over 72 hours and no information given, or provided I am missing XXXX dollars from this deposit and I have yet to receive anything.
Product: Credit card or prepaid card

Due to insufficient due diligence, Affirm helped to finance a Ponzi Scheme by XXXX XXXX, and has direct liability in this issue since it was helping to finance XXXX XXXX 's transactions even when it was clear that they were insolvent and unable to fulfill any new orders. We purchased a sofa from XXXX XXXX  and used Affirm to finance the transaction because XXXX XXXX and Affirm had a co-marketing agreement. This means that XXXX XXXX marketed Affirm 's financing, and Affirm had a direct contractual relationship with XXXX XXXX  which granted Affirm exclusivity in terms of being marketed on the site. However, we never received our sofa, and XXXX XXXX  is claiming they have no legal obligation to fulfill orders placed before XX/XX/XXXX. Affirm has lied to the media by stating that consumers do not have an obligation to pay loans during the dispute, while writing to us on XX/XX/XXXX that we still have the obligation to pay them. For example in a XXXX XXXX XXXX article Affirm said there is no obligation to pay until the issue is sorted out : XXXX XXXX XXXX XXXX XXXX  has admitted that it was obtaining payments and delaying orders because they had no cash to fulfill them, yet even through XXXX, Affirm was still fronting loans to XXXX XXXX. At this point Affirm is trying to pretend that it has no responsibility, arguing there is nothing they can do since 60 days have elapsed, and refusing to refund us. Meanwhile credit card companies like XXXX XXXX are helping consumers with this XXXX XXXX  issue. This is yet another reason why the CFPB needs to have better oversight over the XXXX providers.
Product: Credit reporting or other personal consumer reports

Checkr has provided information on several reports that violates reportable information laws in Colorado, where I live. Informed several times of their mistake, the support refuses to correct my reports to include only legally reportable information. Currently I have an outstanding bgc that is over 30 days old and checkr continues to lie to me about a state being responsible when they have successfully started and completed XXXX other XXXX  since this one was initiated. They provide me false answers each time I inquire. This company needs punitive fines.
Product: Checking or savings account

In XX/XX/2019 I was at my local BoA branch ( XXXX, PA XXXX doing some personal banking when teller asked me to talk to Relationship Manager about some offers linked to my account. I agreed to talk and was told that there is an offer for me for opening business checking account. XXXX XXXX showed me the offer and asked if I am interested. The offer was for {$500.00} signup bonus when I open Business Fundamental checking account by XX/XX/XXXX and make qualifying deposits of at least {$20000.00} and 10 electronic payments within first 60 days of account opening. 
I agreed to open the account and transfer funds from my other banks. Within 60 days I met the requirements and expected {$500.00} to be deposited to my account. On XX/XX/XXXX I stopped again by my local branch to see why I was never credited with signup bonus. The person I talked to told me to call BoA Customer Service to inquire about the bonus. I spent almost an hour on a phone talking to someone but the person could not help me because she wasnt able to see that my business account was linked to any offers. She advised me to go back to local branch and talk to branch manager to see why the account that I opened by being solicited by bank employee did not have proper bonus offer attached. Without any success resolving the issue with my local branch I ended up calling back BoA Small business services line and submitted escalation request to review this issue. PROMO CODE : XXXX, Order # : XXXX. I talked to XXXX XXXX from XXXX office. I was promised to have a resolution within 10 days. I called back again in XXXX and was told that the process could take up to 60 days. 
I called back on XX/XX/XXXX and was told that they are still reviewing the case. At this point I had enough, BoA is purposely dragging the process hoping that I would just give up. 

It's XXXX now and over 6 months since I opened the account and I still have not received either signup bonus or any resolution to my inquiry. Bank of America has misled me from the first time they solicited me to open an account and through out the entire process of complaint resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX Balance : {$140.00}XXXX XXXX Inquired on XX/XX/2023.
Product: Debt collection

They call very often, sometimes two times a day. They mirror numbers near me but it changes when they call so I can't identify them. I told them I can't currently pay, I'm in debt that makes me essentially negative every paycheck and I had no money in my bank account every time they called. Each time they said I HAD to pay, and I'd say I don't have money and they said it needed to be paid today or start a payment plan. Last month they told me they'd leave me alone for a while and note that I'm not making extra money I can spend, so they'd give me a chance to call them when I'm better financially, and they still called me several times and got really snippy with me about paying immediately. All for a four year old hospital bill from an emergency XXXX where they injured me further, forced me to stay longer than I needed to, and racked up my bills and my insurance didn't cover it all. At this point I would've taken the XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION I S USEDING THIRD PARTY COMPANIES TO OBTAIN INFORMATION ON MY CREDIT REPORT WHICH IS A VIOLATIONS OF FCR A I MAY BE  ABLE TO SUE IN STATE OR FEDERAL COURT #  XXXX    XXXX   XXXX   XXXX   #  XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries are appearing on my credit report. I never authorized them and need them removed from my credit report.
Product: Vehicle loan or lease

Currently leasing a XXXX XXXX XXXX XXXX  from Hyundai paying $ XXXX. Requested registration transfer from NY to WA Issue : It has not been done as of XX/XX/2021 XXXX XXXXrequested Title transfer and Power of Attorney from Hyundai website . Website states it takes 6-8wks. Also faxed request from WA state DMV office. Spoke to some agents over the phone during that time who had told me to fax and complete the online document. Checked in over the phone by calling Hyundai motor finance ( HMF ) starting XX/XX/XXXX. The agent i spoke to said it would be done by the XXXX. Called on the XXXX and the agent said that it is an absurd long wait and escalated my case to the Titles department. She said she sent an email. Gave me an escalation # XXXX. Told me it would be done by the end of the week. Called the next Tuesday on the XXXX. Spoke to a regular agent and a special agent who sent another email to the titles department. Said i should receive an email with the XXXX tracking number for the documents in 5 business days. Called on the XXXX. Spoke to a regular agent and then a special agent who said they would send an email to the titles department and it should be done in 10 business days. Called Hyundai consumer affairs on the XXXX to complain about HMF but i was told by the agent that they would call me back after speaking to HMF. Have yet to hear back. Spoke to at least 3 agents at HMF in the XXXX. I was told there's nothing they can do-even when i requested a manager. They also said they can't provide me with a log of the case ( they never send emails for confirmation or updates after any call ). Called HMF on the XXXX who gave me these emails : XXXX and XXXX. She told me to send my account #, vin, contact information, state i am requesting a title and POA and where to mail it to. Sent the email at XXXX on the XXXX. Have yet to receive word about whether they received the email of if they are working on it. I am unable to drive the car and i am currently paying parking for the car as well as the monthly lease
Product: Credit reporting or other personal consumer reports

Hello, my husband and I are trying to buy or first home and I have found damages on report. 

Credit Collections Services {$520.00} ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

XXXX SERVICES WAS PAID AND SETTLED ACCOUNT IN XX/XX/XXXX-XX/XX/XXXX, XXXX-ILLINOIS ACCOUNT XXXX, SOLD DEBT TO XXXX XX/XX/XXXX WHERE THEY WENT ONTO CREDIT REPORTS W/O VALIDATING INVALID DEBT. FCRA, FDCPA AND TCPA VIOLATORS.
Product: Credit reporting or other personal consumer reports

Discovering these unauthorized inquiries on my credit report was frustrating and shocking. I checked my report like normal, but this time there were errors that seemed to appear from thin air. Despite refreshing my browser, the inquiries stayed. Im urgently requesting a thorough check of the documents Ive sent to prevent this from happening again.
Product: Debt collection

XXXX XXXX XXXX  A man Called me XX/XX/21 at XXXX about debt collection claiming to be from national enterprise system inc. 
We agreed on {$4900.00} total to settle my {$10000.00} credit card debt with XXXX XXXX XXXX, he claimed to be a manager from national enterprise. He said they would take XXXX today and i would have to give the remainder by the 30th Called me from : XXXX ( XXXX XXXX XXXX Said his name was XXXX. 

They took my XXXX XXXX routing and checking number and my social security number. 

Please help.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXXXXXX. XXXX Balance : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX : {$3500.00} XXXX XXXX XXXX Original creditor : XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX & XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with this company and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
JPMCB - CARD SERVICE inquiried : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Product: Prepaid card

On XX/XX/XXXX I contacted Go Program to report unauthorized charges to my account. I filed reports with my local law enforcement agency, the attorney general, and the XXXX. 
On XX/XX/XXXX I received a letter from the Go Program informing me they denied my claim due to a conflict of information. 
Below are the details of the claim : Report XXXX XXXX. 
I am disputing the following transactions that were charged fraudulently to my account without my authorization : * XX/XX/XXXX In the amount of {$30.00} at XXXX XXXX # XXXX XXXX XXXX, PA * XX/XX/XXXX in the amount of {$80.00} at XXXX XXXX # XXXX XXXX XXXX NY * XX/XX/XXXX for {$96.00} at XXXX XXXX # XXXX XXXX XXXX NY * XX/XX/XXXX for {$41.00} at XXXX XXXX # XXXX XXXX XXXX, CA  I did not make or authorize these transactions that appear on my account. 
An unauthorized individual gained entry to my account with a fast-food restaurant chain and made purchases using the stored credit card information. I received confirmation emails from multiple XXXX XXXX 's stores confirming the orders, each charged to the credit card linked to my XXXX XXXXXXXX XXXX account, which is the card ending in XXXX. Despite promptly reaching out to each store, I was informed that they were unable to assist and advised to file a dispute with my card issuer. I also contacted XXXX XXXX 's corporate office, where I received similar guidance. The fraudulent activity comprised XXXX separate charges across XXXX different states, none of them being my state of Arizona.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked with Equifax to see if my personal information was comprised and I was prompted by Equifax to enter the last XXXX digits of my ss # and last name. I 'm shocked the company is asking for this information after a breach, and I pulled really XXXX move and entered my info and wife 's info. 

Here is the article - https : XXXX? XXXX
Product: Debt collection

My latest credit report contains accounts I didnt approve and seem fraudulent ; I request their immediate removal.