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

XX/XX/XXXX Opened account with venmo. MADE SURE my identity was verified.connected account with plaid through the venmo portal. BANK ACCOUNT WAS VERIFIED AND CONNECTED. I AGAIN MADE SURE MY ACCOUNT WAS GOOD TO GO AND WAS READY TO USE. TRIPLE CHECK MY IDENTITY WAS VERIFIED. RECIEVED MY FIRST PAYMENT of XXXX from a known person who Is a verified account holder through venmo. I TRIED TK TRANSFER SAID FUNDS TK MY BANK ACCOUNT. IT FAILED SENT A XXXX XXXX PAYMENT BACK TK THE PERSON WHO SENT ME MONEY JUST TO SEE ID XXXX WAS WORKING. IT WENT TROUGH JSUT FINE I AGAIN TRG TO TRANSFER THE FUNDS I RECIEVE AND EMAIL STATING MY ACCOUNT WAS FROZEN PENDING IDENTIFICATION VERIFICATION. I Immediately send in all required documents plus a bank statement and a photo of me holding my ID card. I email and ask what policy I broke and for a time stampe of said violation. I only receive automated responses XX/XX/XXXX I reach out again asking what policy I broke to get no answer. I continue to request information and I am dismissed until XX/XX/XXXX When I receive an email statement saying my account was resolved and restored. I try to transfer fund again. To which I find I can not still. I again send a XXXX XXXX payment and XXXX XXXX XXXX  payment to friends to see if my account was working. I try to transfer funds again to which I can not do. I Immediately received an email stating my account was again frozen pending identity documents. I forwarded all past emails and resend documents. Plus bank statements I request information on what policy I broke I only received automatic response I continue to asks what I can do to fix my account ibget no different information. XX/XX/XXXX I received an email stating my account was permanently banned and they will hold my funds for 180 days then decide if I can receive them or not I have requested documentation of what policy I broke and times stamps I have submitted all documents They will not help me at all. XXXX may not be a lot of money to some people but to me it's detrimental. Please help XXXX They have told me they will not communicate with me any longer they are doing this to account holders I'm mass amounts
Product: Payday loan, title loan, or personal loan

This loan is 9 years old. The money from this loan was taken from my account 8 years ago and this creditor is still harassing me to pay it contacting me pretending to be law enforcement.
Product: Debt collection

Hi there, XXXX XXXX XXXX is attempting to collect on credit card debt via MidlandCredit.com. 

Amount : {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account, 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a 30 day notice requesting that my account be investigated for any inaccuracies. I didn't receive any correspondence regarding the outcome. I applied for an annual report and found out my account was locked. I received additional information of credit denial because of the inability to verify information on my credit report. 
I also filed a dispute regarding the following companies for filing inaccurate information : 1. XXXX XXXX XXXX - This account has been paid off in full, talk to manager who agreed to update credit file, however it still being reported 2. XXXX XXXX- I contacted XXXX stating that this account was a business account and should not be reported on my personal file. I still receive harassing phone calls for this debt, and it's still being reported on my credit file. 
3. XXXX - The information is being reported inaccurately, the current file reports a write off mixed with the current open account which is paid without delays. 
4. Quicken Loans, XXXX XXXX received derogatory information causing a denial of a request for a mortgage and/or FHA and Conventional Loan. 

I have been denied a mortgage because the credit bureaus ( all 3 credit bureau ) are reporting inaccurate and false information. There are several current accounts being reported as possible negative accounts. This has caused irreparable harm. 

The 30 day request to update my account after an investigation and accurately report my credit. Currently my credit is being reported as 38 delinquent credit reports, unsatisfied bankruptcy, and etc.,
Product: Debt collection

The Company ARA Asset Recovery Associates keep calling my family members and threatening to take legal action if they did n't get the information they need. They call numerous times even after I have told them to stop calling my phone number and the phones of others. We have blocked the numbers they tell us to call but they call on " Blocked numbers '' so it 's difficult see the incoming ID number.
Product: Credit reporting or other personal consumer reports

I requested the company of XXXX XXXX  to validate that this account had been paid late on XX/XX/2023. Account number ending in XXXX. I also requested written proof from myself that this company had the right to report late payments to my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be errors. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA XXXX XXXX. If you have no proof immediately of any or XXXX, I would like it removed immediately. 

This company reached out to me on XX/XX/year> to confirm a loan that was approved in my name. I told them that I did not apply for a loan, and they cancelled the application and I was told to reach out to all the credit agencies to correct any incorrect information. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 


Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 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
Product: Vehicle loan or lease

CApital one claim I got a loan from them. I never got a loan from capital one to finance a vehicle ever. Ive disputed this information with the agency and still nothing. At this point this is depressing. This account is currently listed as open on my account I need this removed Ive never even lived in the state they claim this car was bought. XXXX XXXX 
I reside in XXXX
Product: Payday loan, title loan, or personal loan

Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$950.00} from CashNetUSA on XX/XX/2017 and another {$430.00} on XX/XX/2017 and another {$300.00} on XX/XX/2017 ( in total, {$1600.00}. ) I have since repaid {$1800.00}. My balance remaining is still somewhere around {$700.00}. I was unaware that the loan would have such a high interest rate. I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal.
Product: Credit card or prepaid card

I am having ongoing issues with XXXX signature XXXX Chase credit card. 

XX/XX/2022- received an email on an outstanding balance and I had not used the card in over 6 months nor had I received statements either. I was forced to make a payment and they reported this late payment of under {$200.00} to the credit bureau. I then noted part of the balance was for a purchase I did not make. I had previous issues with Chase not receiving statements so decided to cancel the card all together during this conversation. I also reported I did not make the purchase to XXXX XXXX but did have an account with XXXX XXXX. The balance I was told was paid in full during this conversation and the card was closed. I contacted XXXX XXXX and they charged my card in their system by mistake. They credited the card promptly. 

XX/XX/XXXX, XXXX I received an email to make a payment on my card a minimum of {$37.00}. I called Chase. I know longer have this card as it was cancelled. They told me it was for a charge to XXXX. I then said I have an email that this was credited from XXXX  and I did not make this purchase. Chase said I am still responsible for this late charge as well as I already paid for this purchase but no longer have this card. I will not be paying this late fee. This company needs to be investigated for fraud as well as inaccurate reporting to the credit bureau. I have no other problems with the two other cards I use and this should not be permitted.
Product: Debt collection

This company agreed not to contact me anymore via complaint through cfpb but have sent 4 letters and are still continuing to call. Please refrain from contacting me immediately!
Product: Credit reporting or other personal consumer reports

There is an inquiry on my credit report that is not mine
Product: Credit reporting or other personal consumer reports

significantly affected my financial well-being. Regrettably, I have fallen victim to identity theft, and attach herewith the relevant documents and a completed identity theft report that detail the specifics of this case. I implore your urgent assistance in this grave situation. It is of utmost importance that you take immediate steps to review and address the unauthorized accounts that have been falsely associated with my identity. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. C 1681 c-2 ), I request that you promptly initiate the process to bloc and eliminate all information resulting from this identity theft incident. The FCRA mandates the removal of such data within a maximum of four business days from the date of this correspondence.

To facilitate your investigation, I have outlined below the specific accounts that I demand to be expeditiously deleted : 1. Under penalty of perjury, I swear this account is false and misleading. XXXX XXXX {$660.00} Please remove it from my credit report. 

XXXX. Under penalty of perjury, I swear this account is false and misleading. XXXX XXXX {$860.00} Please remove it from my credit report. 

XXXX. Under penalty of perjury, I swear this account is false and misleading. XXXX XXXX {$1300.00} Please remove it from my credit report.
Product: Checking or savings account

i contact chime bank customer service so bad i want file claim XXXX i did ask customer service from XXXX XXXX they refuse refund can you file a claim customer service due poor English im mad now
Product: Student loan

I have tried and been lied to about my student loans, I have not worked since XXXX till now, we did our XXXX income tax and the XXXX XXXX XXXX XXXX took our federal refund ... .I have never been told or received any information on them taking anything ... They took it from my husband we have the form to get it back. Also we received a letter from Navient post claim assistance and XXXX on XXXX XXXX, they have stated they can take all m XXXX, I am n had health, so they said there going to take my husbands, even though I have spoke over phone, wrote to them he never signed or told anyone he would cosign for me. They were told, also this company is not the only one, I Sent money for a year because it i would for one year Navient and XXXX would send me all paperwork to get into the program to be free of all student loans. Ok, after that FTC sent me a check from XXXX and then XXXX University sent me two separate mailers that were notarize from state that they XXXX University paid all my student loans.I am tired Sallie Mae, Navient and many other companies, I with different amounts they say I owe. I do not owe, listen don't just do this for me, do it for all the others they need to get off this roller coaster, I will, i had a XXXX XXXX on the XXXX of this month, so maybe not much longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been an on going issue with XXXX. I sent letters to Nelnet and XXXX asking for the accounts listed to be investigated per the FCRA. I sent complaint and XXXX responded with the attached letter. 

According to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge or who may have knowledge concerning any such items of information. 

They stated my account my account were verified but how is that possible if they did not perform perform a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. Lastly, according to the FCRA 15 USC 1681 everything has to be 100 % accurate.
Product: Credit card

I have excellent credit and a very lengthy credit history. I have had a relationship with Chase for well over a decade and I have three credit cards with them all have always been in good standing. Earlier this year ( around XXXX ) I legally changed both my first and last name. I quickly updated this with Chase and showed them my court order and new ID. Yesterday I opened a chase total checking account. Today they closed the new account and closed all of my credit card accounts. They are saying the only way i MIGHT be able to deal with it ( might as in that might not even work ) is to go into a physical branch. I am in XXXX Va and the closest branch is in XXXX VA ( XXXX XXXX  away ). I don't know if my name change is why they closed the accounts. They will not tell me why or even if driving for XXXX hours is going to fix it or not.
Product: Checking or savings account

Beginning on XX/XX/2018, a small withdrawal was made from my savings account in the amount of {$.00}. Then beginning on XX/XX/XXXX through XX/XX/XXXX 33 other transactions were unauthorized by me, the owner of the account, were made. Transactions of {$5000.00} or more were made in one day, specifically on XX/XX/2018. 

Not only did this fraud completely wipe out my entire savings ( 5-digits ) but Suntrust Bank authorized so much fraudulent activity that my account went 5-digits negative 5-digits. I found this activity on my own when checking my account on the evening of XX/XX/2018. 

I called and reported this immediately after discovering the fraudulent activity in my account. The woman on the phone didn't advise me in any way on what the process would be for my claim or how the bank would move forward with my case. One of the affidavits sent to me didn't even have the right amount on it.

This is completely unacceptable for a bank to not catch 33 transactions within a 2 week period that have fluctuating withdrawals that range from .01 $ to {$10000.00}, especially when these large withdrawls were being authorized while the account was already wiped clean.
Product: Checking or savings account

I am a checking account customer of Northwest Savings Bank ( FDIC Cert XXXX XXXX XXXX. I have opted out of " overdraft protection '' and it has been long confirmed by the bank. They have ignored that and paid an electronic transfer without my consent. I have contacted them in-person and on the phone on multiple occasions. They refuse to refund the fee charged for that action, which is approximately 64 % more than the account overage they have charged. I feel it is violating section 5 of the Federal Trade Commission ( FTC ) Act ( Section 5 ), which prohibits unfair or deceptive acts or practices,4 and Section 1036 of the Consumer Financial Protection Act of 2010, which prohibits unfair, deceptive, or abusive acts or practices among other possible federal laws and regulations. If it is not, more laws or regulations should be required. I understand paying electronic transfers is common practice among some banks for customers who have opted out. The company has given me a final response on the phone with the refusal to accurately reflect the charge in my documentation/correct the error and/or ensure me that it won't happen again. They tell me, it doesn't matter. I am being charged {$37.00} ( for a {$24.00} overage ) if they paid it or not. The purpose of this complaint is to form a record of this activity by Northwest Savings Bank and the junk fees imposed.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXXXXXX XXXX for incorrect credit reporting and what I believe to be predatory practices in relation to my mortgage account. 

In XX/XX/XXXX, I was granted an unemployment forbearance that was effective from XX/XX/XXXX, until XX/XX/XXXX. However, I received a letter dated XX/XX/XXXX, stating that I had a late payment recorded from XX/XX/XXXX. As a result of this, I was shocked to find a 120-day late payment indicator on my credit reports from the major credit bureaus for XX/XX/XXXX. 

Following the conclusion of the unemployment forbearance, I was granted a loan modification that took effect from XX/XX/XXXX, to XX/XX/XXXX. I made all required payments during this time, yet my credit reports from the XXXX major credit bureaus reflect XXXX late indicators for these dates. 

I am highly concerned about the following issues : 1. The 120-day late payment indicator for XX/XX/XXXX, which should not have been reported due to my unemployment forbearance. 
XXXX. The subsequent 150-day late indicators and beyond, which seem to be erroneous given my forbearance and loan modification. 
XXXX. Additionally, for XX/XX/XXXX, I made my payment online on XX/XX/XXXX, yet I received a 30-day late payment indicator reported to the three major credit bureaus. 

These inaccuracies have significantly impacted my credit score and financial wellbeing. I believe these practices may violate the Fair Credit Reporting Act and potentially indicate predatory behavior on the part of XXXXXXXX XXXX 

I request that your office investigate this matter and assist in correcting the inaccuracies on my credit reports. I have attached copies of relevant documentation, including the forbearance agreement and payment records, for your review. 

Thank you for your attention to this serious matter. I look forward to your prompt response and assistance in resolving these issues. 

Attachments : 1. Copy of the unemployment forbearance agreement 2. Copy of loan modification XXXX. Proof of payment on XX/XX/XXXX Please let me know if any further information or documentation is required to facilitate the investigation. I appreciate your support in rectifying these discrepancies and protecting my consumer rights. 

Thank you once again for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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
Product: Money transfer, virtual currency, or money service

Binance.us claims that all chargebacks will result in account withdrawals being suspended. After the chargeback is cleared, they also claim that they can take up to 7 days to allow transactions again. 

I cleared a chargeback on XX/XX/XXXX and opened a support ticket # XXXX requesting my withdrawals be re-enabled. 

On XXXX I then opened ticket # XXXX to ask as to the status. The ticket was closed immediately with no response at all. 

On XX/XX/XXXX, I then opened ticket # XXXX asking for further information as to the status. That ticket was again closed with no response. 

As I have attempted to reach out to Binance.us in every way possible, and have received no response, I am escalating this to the CFPB.
Product: Mortgage

We had been fully transparent with our financial information during the application process. Our closing date for our new home was to be XX/XX/year>. Bank of America said that we can close sooner on XX/XX/year>. So, of course we agreed as we were under the impression that our paperwork and everything was good. We had everything we needed to move forward. XX/XX/XXXX, XXXX days before we were supposed to close, Bank of America called us and said that we were no longer eligible for the loan due to delinquencies that we informed them about. I put down {$20000.00} cash from my inheritance to purchase this house and due to Bank of America, we nearly lost both the house and my inheritance earnest money. We have since taken any of our funds away from the bank and are looking to refinance our auto loan with them. All we got from them were lengthy " we're sorry '' calls for damage control. There was no refund on any of the fees we had to pay through them. We do not want to see anyone else go through this, there are enough homeless people in this world.