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

On XXXX I added a new bank account to my Venmo app. I began a bank transfer of funds for {$1000.00} out of the {$3000.00} total balance. The transfer failed and immediately my venmo acccount was " suspended for violation of use ''. Confused, I called the customer service line to be told that she saw my account was frozen but did not see a reason why. She told me that I would receive an email from a third party account specialist in 6-7 days and she had no other way to assist. I sent two emails to the Venmo email customer service seeking assistance in withdrawing my money. 

On XXXX My email was replied to by account supervisor XXXX and still provided to answer to why my account was suspended or how to access my funds. I replied to his email asking for clear clarification of those same questions on XXXX. He never replied to that follow up email. 

On XXXX Still having no response to my urgent questions, I sent supervisor XXXX XXXX follow up email and called customer service. They said the only way to communicate my concerns was through email and general customer service ( the only customer service offered ) could be of no assistance On XXXX Again having no response or way to access my {$3000.00}, I conducted a customer service chat and was informed that now the 6-7 day wait time to even get a response from Venmo account specialists turned in to a possible 3 week wait time to get a response. I expressed my frustration and desire to simply withdraw my funds from Venmo. 

On XXXX Still having no response from the account supervisors via email from my emails sent on XXXX ad XX/XX/13, I reached out to Venmo customer service via chat. Once again, I was provided no answer to why my account was suspended, how I could access the {$3000.00} of a balance in XXXX, and no contact information or method to contact a general account supervisor or an account specialist. XXXX 's only solution was to " be more patient ''. 

On XXXX Again having no answer or assistance in accessing my {$3000.00} ( now, 16 days after the original account freeze ), I again sent an email to the account supervisor XXXX requesting an explanation to why my account was in violation and how I could access and remove my funds today. I have yet to receive a response.
Product: Credit card or prepaid card

Sears is lowering my credit limit because I have not used the card in 17 months.
Product: Student loan

Prior to the interest pause in XXXX expiring, I paid off all outstanding interest on my loans so I wouldn't have interest going into the XXXX plan. Note, I paid off my loans in XX/XX/XXXX before XXXX plan changes and legal interest pause ending, and my interest has been at 0 % the entire time. On XX/XX/XXXX, I fully paid off loan XXXX with a single payment covering the entire outstanding balance. using the 'make a payment - specify for each loan ' page. On XX/XX/XXXX, I fully paid off my remaining loans ( XXXX, XXXX, XXXX, XXXX ) using the same method. Later in XXXX, the balance showing on my account changed from {$0.00} to ~ {$3.00}. When I messaged Mohela about this, they told me it would just be written off, XX/XX/XXXX. On XX/XX/XXXX, I saw that the balance raised to ~ {$13.00}, but I patiently waited since they told me it would be written off. In XXXX, I saw that the amount owed had risen to ~ {$140.00}, again in spite of the 0 % interest showing on my account since prior to XXXX, and I messaged Mohela. Mohela responded XX/XX/XXXX effectively saying that they didn't have an answer to my issue and to call. On XX/XX/XXXX, I called Mohela and was on the phone for XXXX minutes, primarily on hold. When I finally got to a representative and explained my situation, they said that I may need to get someone to push the process along. Then they had to transfer me to a specialist. When the hold line told me it would be about XXXX minutes, I opted to get a callback. I hung up around XXXX and didn't get a call back until XXXX after I had given up on getting a call and missed the call. I tried calling back after missing the callback and the wait times were still over an hour. On XX/XX/XXXX, I called Mohela at XXXX and spent XXXX minutes on hold before opting to get a callback since the wait was estimated at an hour, and I didn't receive a call until XXXX. The wait times and lack of knowledge are ridiculous. I don't have hours to spend on hold to get a company to correctly process my complete loan payoff.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) recently found Equifax in violation of FCRA and CFPA requirements related to dispute handling. The CFPB 's enforcement order, dated XX/XX/XXXX highlighted deficiencies such as failure to investigate disputes thoroughly, ignoring consumer-provided evidence, and reinstating previously deleted inaccuracies. I expect that these issues will not affect the investigation of my dispute. 

As per the CFPB 's findings, Equifax is required to ensure : Accurate handling of consumer disputes. 

Prevention of previously deleted inaccuracies from reappearing on credit reports. 

A comprehensive review of consumer-provided documentation to ensure accuracy. 



Disputed Items XXXX XXXX  ( Account ending in XXXX ) Reason for Dispute : The reported balance of {$12000.00} is inconsistent with my records. The charge-off amount of {$11000.00} does not align with my payment history, and the date of first delinquency ( XX/XX/XXXX ) seems incorrect. 

Action Requested : Delete account due to inaccuracy XXXX XXXX ( Account ending in XXXX ) Reason for Dispute : The account balance of {$9900.00} and the stated charge-off status conflict with my documented payments. Additionally, the credit limit change to {$0.00} in late XXXX raises questions about reporting accuracy. 

Action Requested : Delete account due to inaccuracy XXXXXXXX XXXX XXXX ( Account ending in XXXX ) Reason for Dispute : The reported balance of {$4100.00} exceeds the original credit limit of {$3000.00}. Furthermore, the payment history does not align with the actual dates of my payments. 

Action Requested : Delete account due to inaccuracy. 

XXXX XXXX  ( Account ending in XXXX ) Reason for Dispute : The reported balance of {$5500.00} and charge-off status appear inaccurate given the payment records from early XXXX. 

Action Requested : Delete account due to inaccuracy
Product: Debt collection

NOTICE TO CEASE AND DESIST OF DEFAMATION, SLANDER, COLLUSION AND REPORTING TO CONSUMER DATA AGENCIES WITHOUT CONSENT WHO ARE IDENTITY THEFT AND INTENT TO SUE DELETE IMMEDIATELY XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX : XXXX. XXXX XXXX DEFENDANT : NATIONAL CREDIT ADJUSTERS BOND XXXX XXXX XXXXXXXX SUITCASES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX HIGHEST BIDDER SUBPOENA XXXX XXXX. JUDICIAL DISTRICT COURT RE : ALLEGED ORIGINAL CREDITOR : XXXX XXXX ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$1600.00} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : NATIONAL CREDIT ADJUSTERS : DEBT COLLECTOR BOND/BONDS THEFT STOP VIOLATING THE FDCPA USC 1692D [ I NEVER gave your company consent to use this account XXXX XXXX XXXX IN XXXX ] EXHIBIT -A HJR 1933 : EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP HARRASSING THIS LIVING MAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT : XXXX XXXX XXXX XXXX. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL, WHICH I ONLY RECOGNIZED COMMON LAW. EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED PUBLIC RECORDS CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO XXXX. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB. 
ABRUPTLY, XXXXXXXX XXXX XXXX XXXX  XXXX. Living man Far from being DEAD UCC1-308 WITHOUT PREJUDICE without recourse BENEFICARY OF acct XXXX : XXXX XXXX XXXX NOT THE TRUSTEE STOP PLAY WITH MY PERSON
Product: Credit card

Few weeks ago, I reported an issue with Discover Credit Card about some miscommunication and misunderstanding via a platform of a third-part institution. Then, they sent me a letter with information of a person I didn't know, including personcal identification information and his/her busness information. So, I suspect that they sent my information to somebody else. I tried to call them, but no one pick up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX2022 XXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX/2022 XXXX XXXXXXXX XXXX2022 XXXX XXXX XXXX XXXX2022 XXXXXXXX XXXX2022 XXXX XXXX2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/2022 XXXX XXXX/XXXX/2022 XXXX XXXX/XXXX/2022
Product: Debt collection

I received a letter in the mail from " Credit Collection Services '' XXXX XXXX XXXX XXXX, MA XXXX stating I owed {$150.00} to a creditor " XXXX XXXX  ''. I checked my credit bureau and do not owe money to anyone and do not do business with the creditor listed above. The letter seemed shady. Very little information given but listed a self-service website, call center number and play to mail the stub and check. Phone number listed : XXXX and Mail address : CCS Payment Processing Center XXXX  XXXX XXXX, MA XXXX This is clearly a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXX/XX/2022 {$270.00}, XXXX XXXX XXXXXX/XX/2022 {$4700.00} Navy Federal credit union XX/XX/2022 {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that your company provide me with debt validation and the XXXXalth Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization . COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following 1am requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. If any please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed I had late payments on accounts that I was never late on. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these were late. 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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts and delete the following late payments from my report XXXX, Equifax and XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. Even after uploading proof should be deleted, they still remain on the bureau illegally. 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: Mortgage

I purchased a home in XXXX, XXXX. There were XXXX separate accounts with HUD holding a small mortgage in the approximate amount of {$5900.00}. The HUD account was paid to US Bank Home Mortgage in XXXX and I received a " satisfaction of mortgage '' on the HUD account. In XXXX, I paid off the other mortgage and again received a " satisfaction of mortgage ''. In approximately XXXX, XXXX, I received a notice from HUD that the full amount was due and payable since I had paid off my mortgage. Subsequently, a lien was placed on my home. I contacted US Bank Home Mortgage and was advised that they have no record of either account. I have my records and both account numbers should you need them. 

Your assistance is most appreciated regarding this issue. 

Sincerely, XXXX XXXX
Product: Student loan

I was told there were no alternative options for repayment of my loans when i first graduated with my XXXX degree by several representatives at Navient. I felt like continuing my education was the only option to avoid default. I have now recieved my XXXX degree and asked for manageable payments only to be told, they have to have at leaset 10 % of my discretionary pay.. this is insanely injust considering my personal situation. I have been told by the company several times they put me in forebarance and am given the standard repayment terms but they do not work for me. If i pay per the terms they are offering i will lose my house and transportation. Please help me get someone to assist me with arranging manageable payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have multiple attempts of me trying to call Santander consumer to pay for a car loan and they continuously told me I couldnt pay because they are waiting for documents. There are recorded conversations about me asking why am i not allowed to pay and them not providing me with an understandable reason. So finally when I was able to pay they told me you account is charged off and I explained that the reason I didnt pay was not on my behalf and the representative told me well the process they were waiting for takes a long time and that will affect my credit and then asked me to settle. But the reason the account went charge off is because the bank would keep telling me I couldnt pay until it was already too late. Then after I asked to reverse the charge off due to them not following up Everytime they said they would ; they said no theres no way to do that, and your credit will affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Four collection agencies have been reporting inaccurate information to XXXX, XXXX, and Transunion. These are not my accounts. Yet the Credit Bureaus continue to report the negative information, even though I have done due diligence under the FCRA to prove these accounts are NOT mine. 

I attempted to secure a debt validation via certified mail from each collection agency on XX/XX/2020. All four collection agencies failed to provide debt validation. Furthermore, all four agencies are in violation of the FCRA, as they must provide debt validation within 30 days of my request ( 45 days during this pandemic ). It is over 60 days since the collection agencies signed for my request for debt validation, and they NONE of them have provided the debt validation. 

I contacted each credit bureau - XXXX, XXXX, and Transunion - and explained the situation. Each bureau refused to remove the falFour collection agencies are showing up on my report. These four agencies are repse reporting from my report. 

On XX/XX/2020 I sent a certified letter to each collection agency once again, and each credit reporting agency, indicating that they were all in violation of the FCRA - reporting false information. I sent all agencies sworn and witnessed affidavits ( Justice of the Peace - see attachments ). All entities, including the Credit Agencies, have signed for the affidavit. 

I am a XXXX XXXX XXXX  in XXXX Louisiana. I XXXX  XXXX  people. Due to the pandemic, I applied for a SBA EIDL disaster loan to save my XXXX, and my XXXX  jobs. I was denied the SBA loan, due to the false reporting of the collection agencies, and the refusal to remove inaccurate information on the part of the Credit Reporting Agencies.

I have spoken to the Credit Reporting Agencies via telephone as well. These agencies found inaccurate information on my report, such as addresses, phone numbers, social security numbers, employers,  middle intial differences, birthdate difference, etc. The Credit Bureaus agreed with me over the telephone that my file had " merged '' with another person of similar name, or that there was perhaps identity fraud involved, where I was the victim. XXXX  even removed certain items while I was on the phone with their representative. But none would agree to remove the false collection agencies reporting.
Product: Mortgage

This complaint involves PNC Mortgage XXXX. I called XXXX who owes my loan and they directed me to XXXX to communicate with PNC concerning a loan modification on my mortgage since I got the run around last year trying to get a modification. XXXX has changed my person of contact twice but still trying to get this loan modification approved with a XXXX Modification. XXXX told me last week that I was approved for a loan modification and PNC would be contacting me stating that I was approved. To date, I have not heard back from PNC about being approved. I did finally reach someone at PNC on Monday-XX/XX/XXXX, and they said they would call back on Wednesday to discuss this but now there phones are disconnecting me when I enter my last XXXX digits of social security number. Once again, PNC is trying to wait me out so this can expire. They will then start all over and ask again for all my personal bank statements with the excuse that my time has expired since I did n't send in all requested documents which I have done numerous times. I was approved for my loan modification back in XXXX XXXX after numerous lost documents on their end with their ( PNC XXXX in-house modification which by the way was misrepresented to me at the time of application and were further obscured and modified prior to signing. I was promised a lower interest rate and they only extended my mortgage loan to 40 years. No lower interest rate was given even though they told me via telephone they would lower it. My financial situation has changed and again, I 'm going through the same drag out with PNC only this time, they are attempting to foreclose on me with their attorneys, XXXX Law Offices XXXX even though their mitigation department has sent me loss mitigation letters stating they ca n't foreclose while reviewing my application for modification. It seems that neither their attorney nor their Loss Mitigation department are communicating and I could lose my home due to their lack of communication with each other. We are very proactive in keeping our home. This is our primary home by all means. We are the parents of XXXX XXXX XXXX XXXX children. XXXX We have lived in our home for 18 years. I contacted XXXX since they own my mortgage and they referred me to XXXX. I have attached their information and PNC attorney info. We are currently in Bankruptcy Chapter XXXX and it takes 5 years before our bankruptcy is discharged. We 're three and one half ( 3 1/2 XXXX years into our bankruptcy and it wo n't be discharged until XXXX XXXX, XXXX. PNC denied us a HAMP modification stating our bankruptcy was not yet discharged. We looked into this and discovered that we ca n't be denied a HAMP due to our bankruptcy not being discharged. Any help you could provide us would be greatly appreciated. 
Thank you. 

XXXX
Product: Student loan

On XX/XX/year>, the XXXX XXXX reported that XXXXXXXX XXXX  XXXX team was granted unauthorized access to the XXXX  XXXX XXXX student loan database, which contains personally identifiable information ( PII ) of federal student loan borrowers, including my Social Security number, date of birth, financial aid history, and loan balance. 

I was never notified that my student loan records would be accessed by third-party contractors, nor was I given the opportunity to approve or deny this access. This is a direct violation of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ), which prohibits the disclosure of student loan data without written consent. 

This unauthorized access has placed my financial and personal security at risk, raising concerns about identity theft, misuse of my student loan data, and potential fraud. 

Failure to address this violation would indicate gross negligence in protecting borrowers private financial data. I request that the CFPB investigate this matter, take corrective action, and hold the responsible entities accountable for mishandling my personal information.