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

On XX/XX/XXXX  and XX/XX/XXXX  I received money from a family member that was helping me pay my rent and other bills to my Venmo account. I tried to do an instant transfer to my bank account but kept getting an error message, I then tried transferring the funds using the standard 1-3 day method. I received a confirmation email that the funds would be in my account on XX/XX/. On XX/XX/XXXX  I received an email stating that due to suspicious activity my account was temporarily suspended and to provide proof of my identity by sending a copy of my ID, a selfie holding my ID and to change my Venmo account password. Also in this email it states that once those things have been done, they would happily reinstate my account. After doing all 3 of these steps, I then get another email from Venmo stating that they received my ID and that my account has been permanently deactivated and they are holding my funds for 180 days. I then called their customer service immediately requesting an explanation as to why and got a response of " the account specialist will review your case and reach out to you via email. '' There was no valid reason given as to what user agreement was violated. I read through ALL 27 PAGES of their user agreement and found nothing that I am in violation of. I have been contacting them via chat everyday and I they just keep coping and pasting the " permanently deactivated '' email that I received. And on XX/XX/2023 I received an email that ended with " Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. '' I have done tons of research on this exact situation and Venmo is doing this to thousands of there customers! I have money frozen on there that I need to pay my bills with and if I don't get my money released me and my child will be homeless. This has had me sick to my stomach and is definitely deceptive practices and a violation of my fundamental rights.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a call was made and According to XXXX XXXX XXXXXXXX over a conversation with my financial advisor who was on the phone. XXXX XXXX XXXX explained that the purported debt was sold off to XXXX XXXX in XXXX. However I never received any communication that a new dept collector named XXXX XXXX had purchased the purported debt that never belonged to me. This is a clear violation of section 611 of FCRA. See attachment.
Product: Money transfer, virtual currency, or money service

My mortgage company took two payments of {$3900.00} out of my checking account on XXXX XXXX. 
Which put my account in negative status. 
Then on XXXX th my mortgage company XXXX sent both payments back to my account that should have put my account into a positive status of {$3900.00}. That did not happen. The money just disappeared and Wells Fargo gave me the run around as to where my money went. My money was never recovered, my questions never answered and no one could explain why.
Product: Mortgage

Bayview loan services. I submit my loan modification with them for last three months as of XXXX/XXXX/XXXX Its still pending even though its still pending they already set a date XXXX/XXXX/XXXX of my home sale ( foreclosure ). i talk to XXXX XXXX XXXX XXXX they prequalify me and willing to help to but they need 21 days to do this so they ask me to ask my lender to postpond my sale date for few days and i did call bayview loan services and ask for the postpond date and they are not doing it. they are doing my loan modification which is still not done yet and at the same time they have my home sale date set already which is compleately prohibited in california homeowner bill of rights. i even told about this law to one of their manager XXXX and she said their is no such law where all my other resources i checked with they said this law does exist. so my complaint is to have them postpond the sale date of my home which is XXXX/XXXX/XXXX. 
regards XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the non-compliance of Experian, XXXX, and XXXX with federal opt-out and privacy notice requirements under 12 CFR 1016 ( Regulation P ) and 15 U.S.C. 6802. These agencies have failed to provide me with the necessary privacy notices and reasonable opt-out methods, and as a result, my nonpublic personal information has been improperly shared with third parties without my consent. 

Specifically : -I did not receive clear, conspicuous privacy notices that outlined how my personal information would be shared with non-affiliated third parties. 
-No reasonable means to opt-out of such data sharing was provided, either through an online form, phone number, or any other method. 
-I discovered that my personal information was disclosed to third-party companies, as evidenced by unsolicited offers and inquiries on my credit report, without my explicit consent.
Product: Checking or savings account

I opened this account and I was saving little by little. I work XXXX   XXXX .. a man with whom I worked for gave me a check and I immediately called the bank to see if the check was good. They kept laughing and hanging up .. when I drove to the bank the lady called the cops and told me that the check was bad. She then closed my account and reported me too XXXX XXXX FOR FRAUD. # 1. How was it fraud if the person gave me the check? How was I supposed to know? 
# 2 she called my brother a XXXX XXXX XXXX and said she would have him XXXX XXXX * COMPLETLY UNPROFESSIONAL *.. I waited for the cops and they said for me too just call the corporate because that was ridiculous.. I want MY NAME CLEARED FROM XXXX XXXX   BECAUSE NO MONEY WAS EVER CREDITED FROM THAT CHECK AND I DIDNT SPEND ANYTHING AND I DID NOTHING WRONG!! Complete disrespect and I have had all my banks CLOSED DUE TO HER REPORTING ME!!!! Crazy
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I waited much longer than the 180-day period as indicated by PayPal that the funds would be held and, as of XX/XX/XXXX, the account shows a zero balance and the funds have not been returned. On XX/XX/XXXX, PayPal withdrew all of the funds, {$7800.00}, from my account. The transaction note cited damages caused by Acceptable Use Policy violation. 

I have previously requested a review/appeal of my case with PayPal when my account was limited in which I had submitted receipts for a sample of the sold items which was denied. 

From a previous correspondence from PayPal, they seem to believe these items were counterfeit, however that simply is not the case. These were authentic items purchased from retail/thrift/etc. I believe an assumption was made by PayPal that because the items I sold were branded, that they must be counterfeit, which they find as some justification for keeping the funds for themselves. 

PayPal 's previous responses were along the lines of " you were selling items that contained brand logos and IP owned by other companies that you do not have permission to use '' and that the funds being seized by PayPal being " part of the terms of service that you agreed to ''. 

Again, these were authentic items, and it was legal to sell them under first sale doctrine. 

I have already had a law firm send a demand letter to PayPal which was ignored, and a notice of pending lawsuit sent to PayPal which will be filed if I can not get a satisfactory resolution from PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries - XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX address needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & the following accounts- XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : XXXX  XXXXPlease block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.
Product: Debt collection

I noticed in 2015 I had a debt {$940.00} on my credit report with XXXX XXXX. I 've never had such debt, I disputed the debt, contacted XXXX around XX/XX/2015. I was told it would be taken care of as soon as possible. So On XXXX XXXX, 2015 it was removed from my credit report. Starting around XX/XX/XXXX - XX/XX/XXXX I was harrased from by XXXX, threathen to ruiun my credit, and talked to in a demeaning way. I noticed a month ago the same debt is back on my credit report {$940.00} XXXX XXXX. I 've had some other unusual incidents that raise red flags for me, like getting a lot of mail from target, scholorship funds, in someone else 's name who lived next door. A employee from XXXX call my recently asking for me using my middle name, stating that someone left their phone in the store, I was puzzeld so I ask question but the employee became uninterested. I also had small charges appear on my back account. I 've had fraud alerts placed on my reports. All my identification was stolen from me and a police report was taken by the XXXX XXXX in XXXX XXXX, XXXX I do not and never owed any cable company that amount of money.
Product: Mortgage

Trying to close to sell 6 properties. Release of motgage taking to long to release. 
Mortgage holder name CALIBER HOME LOANS XXXX XXXX XXXX  XXXX closing company asked CALIBER HOME LOANS to release on XX/XX/2019 CA LIBER HOME LOANS released 2 of 6 properties on XX/XX/2019 ( over 3 mo 's ) CALIBER HOME LOANS still has to release 4 more properties. 
Closing company having extremely hard time to contact CALIBER, it can only done thru email and can take 60 to 120 day 's for respond. 
I'm losing buyers because it's taking to long to clear title to sell Thank You
Product: Credit card

Dear CFPB, I am writing to file a complaint against American Express regarding their denial of Servicemembers Civil Relief Act ( SCRA ) and Military Lending Act ( MLA ) benefits for my XXXX XXXX XXXX XXXX account ending in XXXX, opened on XX/XX/year>. 

Background : My spouse was on military orders, and I submitted all required documentation to American Express to apply for SCRA/MLA XXXX XXXX Despite this, American Express has denied my eligibility for these benefits. This is in contrast to my experience with other financial institutions, such as XXXX XXXX and XXXX, both of which approved my SCRA/MLA requests and refunded the annual membership fees. 

American Expresss Response : American Express stated that my account does not qualify for SCRA adjustments because : The debt was not incurred by a Servicemember entering active military service. 
The accounts billing address is not in a community property state. 
I was not a covered borrower under the MLA at the time the card was acquired. 
My Dispute : I provided all necessary documents, including my spouse 's military orders, to support my application. According to SCRA guidelines, I believe that my account should qualify for benefits, especially since other institutions have acknowledged my eligibility under similar circumstances. American Expresss interpretation appears overly restrictive, as they are denying relief based on my spouse 's military status and the specific conditions they outlined, which do not align with how other banks handle SCRA/MLA benefits XXXX 

Impact : Due to this denial, I was charged the {$550.00} annual membership fee, which I believe should have been waived under SCRA/MLA protections. American Expresss decision seems arbitrary and inconsistent, particularly given that other credit card issuers have granted me these benefits without issue. I am requesting that American Express be held accountable for what I perceive as a denial of my rights under SCRA/MLA and that they provide a refund for the charged annual fee. 

I would appreciate your assistance in investigating this matter to ensure that American Expresss practices align with the protections afforded to military families under federal law. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX : # XXXX, has violated my rights. 


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.

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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any conusmer report containing any of the following items of information Any other advers item of information
Product: Debt collection

This debt is a written contract with a divorce lawyer from 2014. The statue of limitations in Washington on a written contract has expired RCw 4.16, I am not the sole owner of this debt and the company is destroying my credit by keeping it in all 3 bureaus, they are being fraudulent with the dates in order to keep it on my report. I have never received any mail from them.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information need to see my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

on XX/XX/XXXX i received a alert from my XXXX app that my credit score had dropped XXXX points which brought me to a poor rating. i instantly called the number showing on my app and asked credit collection services what i had collections for, they stated to me that i had a collection of XXXX for insurance on my old vehicle, i stated to them that this vehicle had been sold, and that i had cancelled the policy months before my credit score dropping. i asked the lady what i needed to do to get it off of me and make my score go back up and she told me if i paid the XXXX that they would promise to remove the collection from my report due to them not contacting me via cell phone or home address, or actually at all just going straight for my credit. i then paid the amount, days later nothing changed and now they are stating they will not remove the collectio, my collection accoun number is XXXX and the confirmation that i paid it in full on XX/XX/XXXX after the collector promised if i paid they would remove the collection is XXXX i had canceled the police via cellphone through the XXXX  app the day i sold the vehicle, payments should have stopped then and i also had direct payment set up from my bank account, I have never missed a payment before i had great credit and a great history until this, and this collection agency failed to report it to me before destroying that for me and they also lied and stated they would remove it if i paid. im not worried about the XXXX i just want my credit back the way it was and the collection removed, because this was not due to my fault this is on XXXX for not closing my account like they stated they did and the collection service. I opened a dispute on this afterwards, but the company did lie and tell me they would remove this once i paid and instead on XX/XX/XXXX they added a additional collection for the same thing with a {$0.00} amount which when i contacted credit control services about they ignore me and disclosed they could not speak about credit reporting. If they do not remove the collection I will be contacting a lawyer and I also will be move forward with submitting this to XXXX, XXXX and XXXX XXXX after i hear back from this, i am attaching my credit history showing no missed payments, the 2 collections from them ( for the same thing ) and the reciept where i paid them, I spoke with a XXXX agent on XX/XX/2023 at XXXXXXXX XXXX and she stated to me my XXXX local agency is XXXX XXXX she said my account with XXXX is paid in full and they are unaware of the collection amount that credit collection services put on me and she said i also should persue getting this removed.
Product: Debt collection

Since XX/XX/XXXX I was working with XXXX XXXX in an attempt to get financial aid. I was pregnant and new there would be a balance that I couldnt pay. In XX/XX/XXXX of this year I was approved for 100 % financial aid. On XX/XX/XXXX, I received a letter from Computer Credit Inc a collection agency fir the debt. I took a copy of my approval letter that day and sent it to them. The financial aid covers all past due balances and medical expenses for a for the next year. On XX/XX/XXXX Computer Credit inc sent two more collections letters. I received them today XX/XX/XXXX and immediately sent out 2 more letters with the approval for financial aid.
Product: Debt collection

XXXX XXXX XXXX uses Sunrise Credit Services Inc., to collect debts. I was not able to get XXXX XXXX XXXX internet service to work where I live, I returned the equipment promptly. I was repeatedly told I would not be billed for services and was told the equipment was received by XXXX XXXX XXXX.
Service attempt was is in XX/XX/XXXX. Billing from XXXX XXXX XXXX stopped in XX/XX/XXXX, I called with each bill and was assured I did not owe on month service as it was unable to be installed. Then XXXX XXXX XXXX sent me to Sunrise Credit Services , Inc., I started receiving phone calls and then received their demand letter for {$190.00}. I provided my tracking number for the equipment and was told by one agent once the tracking number was received the bill would be completed. When I returned the call to another agent and gave the tracking number I was told I still owed. After many calls the bill was reduced to owing one month of service. At my second to last call is when the {$190.00} was broke down that I owed for the equipment ( XXXX XXXX XXXX had received on XX/XX/XXXX) and XXXX XXXX XXXX confirmed received at the end of XX/XX/XXXX. Plus I owed for the month of service ( which XXXX XXXX XXXX  customer service said was not owed. ) May last call on XX/XX/XXXXwas told XXXX XXXX XXXX had retracted the claim. Asked for confirmation in writing and was denied any confirmation.