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

I have an account with Venmo pay service. I started with a personal account and I used it to sell goods and services to my customers and my account kept getting suspended etc. so I created a business account with Venmo to help with When my customers sent me money, Venmo blocked my account, seized the money that was sent and sent an email saying that I somehow violated their community standards which I did not violate anything. When I contacted them to find out why I wasnt able to transfer my money over to my personal account or even add my bank information to my Venmo account so I could do a standard direct deposit. I asked them what the problem was and they escalated the problem to the higher ups and the department. Somehow they claim I violated user agreements, which I did no such thing I have tons of proof that they are Violating their own terms and illegally holding money from myself and my customers because now my customers cant even get their money back or issue a refund and claim that any money would be resolved within 180 days which is unacceptable in my book
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I am writing to dispute an inquiry and debt that were placed on my credit report which are at best inaccurate or worst, fraudulent. Security Credit Services , LLC placed an inquiry and debt collection account on my credit report without my knowledge or any attempt to contact me about an outstanding debt. Instead, I had to contact Security Credit Service in XX/XX/XXXX once the changes were made to my credit report to inquire why a new debt was being reported. In the course of gathering information I have received documents addressed to another individual not associated in any way with me, contradictory balances of the alleged debt and incomplete information regarding the ownership of the alleged debt. Furthermore, outdated or incorrect mail and email addresses have been used repeatedly to communicate despite Security Credit Services and XXXX XXXX XXXX, XXXX having my updated contact information from their credit report inquiry and being provided with accurate email addresses. Each time I told XXXX XXXX XXXX, XXXX that I never received the documentation in question they were unprofessional and rude until they finally would forward the documentation to the correct email addresses and I could prove that they were originally using incorrect address and emails. I have been trying to resolve this issue since XX/XX/XXXX but still can not get complete, accurate information from Security Credit Services and XXXX XXXX XXXX, XXXX. 

Attached are the original loan document that was charged off by XXXX/XXXX in XX/XX/XXXX, emails between myself and XXXX XXXX XXXX, XXXX, incomplete chain of ownership that does not show any identifying loan information to prove it applies to the original loan or XXXX, incomplete payment history showing a different amount due and a settlement agreement with a different amount due addressed to another person with my address from years ago. 

I have tried to work directly with Security Credit Services but they always redirect me to XXXX XXXX XXXX, XXXX so I have mailed a formal request for validation of debt to both Security Credit Services and XXXX XXXX XXXX, XXXX.
Product: Credit reporting

Sent in a letter to equifax to have them verify everything they had for my XXXX XXXX accounts and XXXX account and not to just send back item verified but to send all the documents they had on file used to verify it and if not received within 30 days under the fair credit reporting act it must be deleated off my report if failed to send the documents, so I want the accounts deleated asap and not wait for it
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA XXXX ( 15 USC 1681 c-2 ) that you, the Equifax credit XXXX XXXX XXXX block information appearing on my credit report that is the results of Identity theft, Equifax XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit card or prepaid card

For my XXXX  Visa card ending in XXXX, my XX/XX/2018 statement showed {$3000.00} due on XX/XX/2018. I paid exactly the full amount {$3000.00} on XX/XX/2018, a week before the deadline, and somehow incurred additional {$25.00} in interest.

Nowhere did it say that I had to pay more than {$3000.00}, either at the time of the statement or at the time of online payment. So the company basically gets to collect interest over the full month by withholding information from customers.

The attached files show the statement with XX/XX/XXXX due date and the full payment on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to bring to your attention some hard inquiries that have recently appeared on my credit report. After reviewing the report, it appears that there are some entities attached to me at the bottom that need to be looked at more closely. 
As you may know, hard inquiries can have a negative impact on one 's credit score, and I am concerned about the potential consequences of these inquiries. I would greatly appreciate it if you could investigate this matter and provide me with any information or guidance on how to address it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a hold of my experian credit reports and have noticed numerous errors on inquires that i did not authorize on my behalf. Below they will be listed numerically. 

1. XXXX XXXX date : XX/XX/XXXX 2. XXXX XXXX XXXX date : XX/XX/XXXX 3. XXXX XXXX date : XX/XX/XXXX Please help me with this dilema as it has been stressing me out.
Product: Checking or savings account

date XX/XX/2021 i went and made a deposit of {$2000.00} from the outside ATM at citibank in XXXX, NY XXXX. I contacted customer service when it happened. the atm only gave back my atm card with no cash or receipt. I filed a complaint and they credited my account then took the funds back after XXXX months. i feel violated that they stole my money and want that bank investigated. I will contact a lawyer to further proceed my investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal credit report # XXXX with Experian XXXX XXXX Includes a fraudulent account with XXXX XXXX XXXX XXXX Acct # XXXX ). I have contacted them in reference to removing this item because it was fraudulent. My personal information was found in a data breach with XXXX so i believe this item to be associated with that I have included the FTC Report # XXXX. The FTC report attached contains a written statement in compliance with the FCRA 605 ( b ) guidelines. I have also attached a copy of my drivers license and social security card in accordance with the same statute. Also in this complaint I have also attached a picture of the fraudulent debt for verification purposes. I would like to get this issue resolved because I have tried dealing with Experian over the phone and by online dispute to no avail. 
Thank you. 
XXXX XXXX
Product: Debt collection

XXXX unknown collection account appeared on my credit from a company called Optimum Outcomes. I disputed all XXXX accounts with the credit bureaus and XXXX were removed. 

I have contacted Optimum Outcomes XXXX times by way of certified mail and they have totally ignored me. I dont know what the debt is for although on my credit report it say medical. I have full medical benefits. I have requested that they remove the account and contact me only in writing but they called my job. 

Optimum Outcomes XXXX
Product: Credit card or prepaid card

I had this credit card for two, I used it couple times for my own person use, after that I was paying it on time. The I started noticing charges on my account that wasnt fine, I called discover and tried fixing it and they failed to do so, I disputed it multiple times with them and my claim always get denied. They closed my account saying that it was fraudulent charges on there. This has hurt my credit report.
Product: Checking or savings account

Dear i got claim on XX/XX/XXXX, just have 1 person call me around XXXX and let me waiting another 90days, and after that no one response to me and cliam is compeleted. 
its almost 2 years, bank hold the moeny, as they said will refund back to the labor department, but still no retrun back. bank just hold moeny forevery. also I ALREADY REPORT the 202 taxes form and paid the tax to the government!!! now i need the moeny back. if not i will go to on court for back my menoy, right now like bank of america is hold menoy for themselves never got response!!!! 
everytime like waiting you guys answer back!!! almost 1 year waiting with bank, one year waiting you guys give me answer back! as you guys just finish the cliam with no repoense!!!
Product: Credit reporting or other personal consumer reports

HELLO, I AM A VICTIM OF ID THEFT. ON XX/XX/2019 SOMEONE USED MY INFORMATION TO OBTAIN XXXX XXXX FROM XXXX XXXX XXXX XXXX  IN THE XXXX. OF XXXX, AND ON XX/XX/2019 THEY WENT TO XXXX XXXX XXXX XXXX AND DID THE SAME THING IN THE XXXX. OF XXXX.
Product: Student loan

I was in Bankruptcy in XXXX, XX/XX/XXXX received a letter from Green & Cooper that I had a balance with XXXX XXXX XXXX now, XXXX for a balance of {$35000.00} with no backup data. Received Order of Wage Garnishment XXXX, XXXX. My records currently show I paid {$16000.00} from XX/XX/XXXX through XX/XX/XXXX and total of {$12000.00} from Wage Garnishment for a grand total of {$28000.00}, but I can't get anyone to respond with the details. As of today, I show the balance to be roughly {$7500.00}, but this is also with interest from XXXX through XXXX with no notification from the lender until XX/XX/XXXX. 

Greene & Cooper File Number is XXXX, phone number XXXX. 

Any assistance you can provide would be greatly appreciate. 

Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

I have asked that this company send me written verification of this debt owed, including account numbers, dates of service, and any other pertinent information so I could truly verify that I owe this debt. I want to be able to contact both the rendering facility and my insurance provider to be sure that this debt is not owed. This company also reports the same debts multiple times on my credit report and will remove and reage the debt and then report it again on my credit report. I receive zero communication from this collection agency.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate and unfair customer service and practices, which violate the Consumer Financial Protection Act. Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, which allowed my account to be unprotected and vulnerable. Their dispute resolution process was unfair and deceptive, because they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E.These actions have caused significant financial losses and inconveniences. I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/2021, I used my card for XXXX in the amount of {$16.00} at XXXX XXXX XXXX. My unemployment benefits were loaded on XX/XX/2021 in the amount of {$480.00} at XXXX XXXX XXXX. I tried to use my US BANK Reliacard again that same day, XX/XX/2021, to try and take out money from an atm. My transaction had been denied XXXX. I then called US BANK reliacard to check the issues with and status of my account. The representative told me that my account was locked for fraud and told me that I needed to upload a photo ID, and XXXX. I then proceeded to provide the documentation. I called back and had a XXXX minute conversation with the supervisor at the time. She informed me that on order for them to verify my identity, I needed more identification. I had to fight with her to get the other types of identification I could use. She failed to mention in that XXXX minute conversation that I could use my temporary state ID, birth certificate, and the selfie. I called back on XX/XX/2021. They said they couldnt verify my identity yet again. That I didnt have enough information and that I needed to now submit a photo of my social security card, my birth certificate, a XXXX, and my temporary state ID. I went to the website provided, I uploaded the XXXX required documents as well as a photo of my reliacard as proof of ownership. I waited until XX/XX/2021 to call them, again, to check on the status of my case. They proceeded to give me another run around and tell me that my photo ID had been cut off in the photo, which it hadnt, and that I need to resubmit every single document for the fourth time and that it would be another XXXX business days. This has happened to a couple of people that I know. They also didnt stick to the same explanation as to why my account/card is locked. Another XXXX of the representatives told me that this was routine and not fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has refused to remove the word repossson even though the other two reporting agency has removed it it can not be both ways this will be the last complaint for this issue because to remove the word reposseon i will take them to court i didnt ask if the balance was XXXX that wasnt the complaint they either put it as paid only or it court their call
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Student loan

Since XX/XX/XXXX, I have sent MOHELA the letter ( upload ) the Department of ED sent me stating my loan is to be fully discharged, and to not make anymore payments, it will be in forbearance, and I will be getting any monies that I paid them returned to me, 3 times, I called Mohela 4 times since XXXX, I wrote a letter snail mail to XXXX XXXX XXXX XXXX, I was then sent an email XXXX XXXX with case # XXXX stating the Dept of ED sent Mohela a letter on XX/XX/XXXX notice of approval for full discharge, I have called Dept Ed, they have told me it takes time, but now when I call Mohela as of XX/XX/XXXX they are asking me what Payment plan I want to get into? and my payments will be due in XXXX? I am getting worried now that MOHELA is not abiding by what the Dept of Ed has told them to do? Mohela told me that Mohela owns the loans and they are the ones who would be discharging them? now if that meant because they were told to? but I did not get that they way they told me? so, I just want these loans discharged as Dept of education Said they have already approved them to be discharged
Product: Checking or savings account

I contacted my banks customer service by phone and requested a stop payment be placed on a specific mortgage payment around the XX/XX/2019. This was the first time I had ever placed a stop payment on my checking account, so I was not clear on the ins and outs and felt it was best to have customer service assist with the procedure. During this call, I specifically remember asking the customer service representative, is this a onetime stop payment? Because this is for my monthly mortgage payment and I dont need to have any unexpected surprises or issues because of this in the future. I was assured by the representative that this was a onetime stop payment and I should not encounter any issues moving forward making my monthly mortgage payments. Fast forward to the end of the month. I made my monthly mortgage payment by phone like I do every month. I received my confirmation number and assumed all was well. On the XX/XX/XXXX, I receive a letter via mail from my mortgage company stating there was a stop payment in place. I immediately called my mortgage company to verify and explain the error that had taken place. Once I finished speaking to them, I immediately drove to my banks local branch. They proceeded to tell me that a stop payment would remain in place for 6 months unless I contacted them to remove the stop payment. I explained to the branch manager that this is not what was communicated to me when the stop payment was placed on the account. The branch manager apologized and said this was above his pay grade and there was nothing he could do to assist me. I requested the stop payment be removed and called my mortgage company back within an hour and made a payment. While speaking to my mortgage company, I explained the error that had taken place again, but this time in more detail. The customer service representative from my mortgage company stated that I would need my bank to provide documentation that they were at fault in order to excuse the late payment. I contacted my banks customer service on five separate occasions following this incident, requesting documentation showing that they were at fault. Each time I called, I was told that a supervisor would call me back and they would need to review the initial call because all calls are recorded etc. I never received a call back from customer service. Come to find out, the representatives do not document accounts when a customer calls in so there is zero accountability for any of their employees to follow up or resolve any issue when a customer contacts them. After filing a complaint with the XXXX, I received a letter from the banks corporate office, stating there was no error on their part. I have requested a copy of the recorded phone call and have been told that would require a subpoena. This late payment caused my credit score drop 120 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX account had been charged off, and the vehicle has been returned to XXXX XXXX XXXX. There appears to be an increased amount added to my charged off auto loan in the amount of {$770.00}. How can my account accrue charges if its charged off and closed? I want this item removed from my credit reports. And I will continue to dispute this being added after the vehicle had been returned to XXXX XXXX XXXX and the vehicle is charged off. Im a XXXX military Veteran on a fixed income and do not need the extra burden that having this added to my account is causing. Im also an employee at the Veteran Affairs Hospital in XXXX Texas, on a limited schedule, and I am exposed to patients with Covid-19 on a daily basis. This is an unnecessary burden affecting my credit as if I didnt already have enough to worry about, having almost been evicted and facing homelessness in the wake of this pandemic affecting lives across the globe. They have their car, so I want my credit reports corrected.