23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

From XXXX XXXX XXXX  to XXXX XXXX XXXX  I have been having issues with my Venmo account being frozen. My account is working properly until there is a transfer that is about to be initiated and then Venmo freezes the account. It's not frozen on the initial day when the transaction is about to take place but on day XXXX when the money is finally supposed to move. This happened 2 times. My account is still frozen because they want additional information about outside accounts which I do not want to provide for my own privacy. They have obtained my personal identification 3 times in this process over the last week. I had multiple transactions that were similar or larger in the month of XXXX with minor issues but was able to perform them. For some reason, the transactions are now flagged and I can not get access to my funds. I am not going to keep providing them with confidential information even if they say I can redact certain parts. They are now threatening to keep my funds for at least XXXX days. The only way to communicate to the people in this process is through " account specialists '' who are only available through email or messages and can have a lag of up to XXXX business days. There is no specific person to speak to. This is a scam to keep money in your Venmo account. I looked up their past history and the FTC caught them on this same issue some time ago and they have not changed. I have also requested arbitration information multiple times either with the consumer phone number or email but I have not received it.
Product: Bank account or service

I returned an item to a catalog company called  XXXX   XXXX . They had to refund my money by check instead of putting it back on my credit card. At some point in the mailing process someone got their hands on the check and cashed it signing their name to it. I called the bank to report the problem and they told me to call   XXXX   XXXX   that they could not help me, nor do they have a fraud department I could speak to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally tried to get equifax credit report online XX/XX/2020 Failed. Sent drivers license and social security card. After 2 MONTHS of waiting for them to acknowledge they actually got it, was able to login to myequifax.com. 
4 Months later, tried to login to myequifax.com. ran into same issue, they wanted me to send in another copy of drivers license and ss card. Explained I did that in XX/XX/2020. They refused to reset the myequifax account online. The questioned asked had nothing to do with me. The XXXX support desk accent was so bad, I could not understand any of the questions. They refused to admit that I had already sent them the paperwork, 6 months ago, they refused to admit that the myequifax account worked 2 months ago.
Product: Credit card

Amex cancelled my credit card after 3 years of being with them with no prior notice. And the only option they keep advising is to apply for another card. A credit manager named XXXX advised that they can not reinstate the card because it is not an option and AMEX is not reinstating cards at this time. They stated that it was due to a return payment back on XX/XX/. But the card was not cancelled until XX/XX/ more than enough time to advise of this action. Amex also prematurely withdraws funds from banking accounts they state that it will take 1-2 business days for the ACH but present the payment to financial institutions within hours and then charge return payment fees on the accounts.
Product: Credit reporting or other personal consumer reports

I have been calling and making complaints to XXXX XXXX  about the handling of my mortgage reporting to the three credit bureaus. They sent me a payment history saying that it is reported on my credit, which was not a credit report but a payment statement. Today the XXXX of XXXX I was told that XXXX XXXX is not responsible for reporting, I was told by a manager that it is the credit bureau not reporting. I have made complaints to the credit bureau about the false reporting and nothing has happened. This none reported information has hurt us financially as we dont qualify for loans because the reporting is wrong. This is not fair as an XXXX trying to survive in this economy.
Product: Money transfer, virtual currency, or money service

I have a problem with the Paypal financial institution since they blocked my account for 180 days with the promise that after these days they would return the balance ( XXXX XXXX ) that remained in my account during the entire blocking period ( 180 days ) This was not so. Wait the time that Paypal told me but at the end of the period they did not return my money and they kept it I tried to solve the problem by calling their customer service and they told me that the money could no longer be returned to me for reasons of an alleged fine. I think they are stealing money from me that I already work.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX ( mo. ) XXXX XXXX I presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove all accounts before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX balance {$5800.00}, XXXX XXXX XXXX XXXX {$1600.00}, XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX balance {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked my credit report today and i found out that Equifax is attempting to report an invalid collections account on my credit report from XXXX XXXX XXXX XXXX. account Number XXXX this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both XXXX  and XXXX. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. 
i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. 
i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.
Product: Debt collection

On XX/XX/2022 I signed a contract with publishinglife.com to produce a book I authored with the assistance of their staff. The cost is {$2000.00} with an offer to make payments XXXX months later through XXXX. On XX/XX/2022 I made a request to cancel my enrollment because I as understood the offer payments would begin XXXX months later. The offer was not honored, I was billed within the first week of enrollment. Also, I learned that XXXX would require additional fees for coaching, marketing, publishing, etc. after watching modules to start the course. The information that additional fees would be required was not disclosed at the time of enrollment. From XX/XX/2022 until the end of XXXX, 2022 I continuity disputed being charged payments to pay the $ XXXX on a monthly basis to Synchrony Bank/PayPal . The only source of communication was with Synchrony Bank, publishinglife.com could only be reached by email. XXXX with Synchrony Bank ceased in XXXX because I was told their position sided with publishinglife.com who is the client. XXXX wrote an email stating their policy for cancellations was either within XXXX hours of enrollment or 6 months after. I was told I did not qualify for cancellation at the 6 month period. Synchrony Bank continues to call my cell phone daily, weekends included and send bills requesting payment.
Product: Debt collection

Compliant XXXX was submitted on XXXX XXXX and a prepaid credit card debt that they " alleged '' is owed. XXXX XXXX XXXX, as well as XXXX XXXX, are both reporting this " alleged '' debt on all XXXX credit bureau profiles. XXXX is indicating that I owe them {$740.00} and XXXX XXXX is reporting {$610.00} in interest and fees for a prepaid credit card that my security deposit was never received back at the time of requesting account closure. XXXX continues to send mail correspondences and contact me several times a day for this debt despite me informing them the debt isn't actual and requesting documentation from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  DEPT OF ED/XXXX DPT ED/XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DEPT OF ED/XXXX  DPT ED/XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DEPT OF ED/XXXX  DPT ED/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to First progress multiple times requesting a XXXX balance letter to be mailed, faxed, and emailed. I have paid the account off in full before it has reached collections and have applied for a home loan and this would greatly impact my score if I could get what I requested. All agents I have spoken with have given me a run around and delayed precious valuable time.
Product: Mortgage

On XX/XX/XXXX we lost our home in carr fire, we had insurance which the total was XXXX. This amount was sent to Ditech financial who held the deed, we have been on time for many years and only owed XXXX. They have paid off the loan on XX/XX/2019 and sent us the letter ending our relationship with a paid in full, and we have recieved the deed. They have yet to return the remainder of our insurance claim which is XXXX XXXX. We remain XXXX  because of this and haven't been able to replace our home, we have made many attempts to find out why. They have continued to refuse to allow us to speak to anyone in charge about this issue.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block Inc. ) do to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) .specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> the items below have been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action!

This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. Experian and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Clarity, and XXXX have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Product: Credit reporting or other personal consumer reports

I have filed an FTC report due to identity theft and fraudulent information. I noticed on my credit report that there are 2 hard inquiries from XXXX XXXX on XX/XX/year>, name, address, and employer that I do not recognize. The accounts are completely fraudulent and have never belonged to me. The accounts are XXXX XXXX XXXX XXXX that is listed twice, XXXX XXXX XXXX ( The ONLY name I have is XXXX XXXX ), XXXX XXXX XXXX XXXX Ms XXXX ( The ONLY address I have is XXXX XXXX XXXX XXXX, Ms. XXXX ), I DO NOT HAVE ANY EMPLOYER. I contacted XXXX XXXX XXXX XXXX to get an understanding of where the inquiries came from, and the company stated that they did not find anything in their database.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), ( Original Creditor : XXXX ) I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately. 

XXXX XX/XX/2021, XXXX XX/XX/2021 I dont remember permitting you to pull a credit report. Delete this immediately. 
XXXX XXXX XXXX XX/XX/2021, XXXX This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED COMPLAINT
Product: Checking or savings account

My husband and I have been joint holders on a personal checking and savings account with this bank. Yesterday ( Thursday, XX/XX/XXXX ) I contacted their Customer service office because I could not get into my online baking. The account was locked and I asked them to reset it. They asked me a lot of questions to verify who I was. Then, the CSR advised me that she needed to speak with my husband to get permission for me to access the account. I am highly insulted and I feel this is a sexist and discriminatory practice. I am a joint holder on the account. I do all of the banking and handing of finances for our household. I spoke with another manger today and she essentially told me " it is what it is. '' This is discrimination. Why do I need my husband 's permission to access a joint bank account? This is insulting and degrading.
Product: Debt collection

The collecting agent used extremely rude and abusive languages when they called me before XXXX XXXX and during my work. When I try to get more information about what this debt about, they are refuse to give me more details and keep asking me to give out my personal information. When I refused to give them my personal information, the representative threatened me then hang up on me immediately.
Product: Credit card or prepaid card

I initially contacted the CFPB on XX/XX/XXXX regarding an ongoing dispute with Discover. I have provided substantiative documentation from the company stating that I would be refunded for the charge and the third party company is refusing to refund the charge. 

My initial complaint to CFBP re : XXXX stated : " I placed a reservation for the XXXX in XXXX XXXX XXXX AL. The room I reserved was a studio with an attached room with 2 bunk beds and the main room had a king size bed. The room was advertised as having premium ammenities including premium bedding, and black out curtains. The curtains in the room were broken and the bedding was shredded/torn. The toilet was broken and the shower was not working upon arriving. I called several times to the front desk and was not offered a replacement room. Maintenance was sent up to the room to repair the toilet and curtains but nothing else. We discovered the air was not working in the second room in the middle of the night and ended up leaving because it was so hot in the room. We explained to guest checkout what had happened and why we were leaving. I was advised by a portly XXXX  haired woman working XX/XX/XXXX around XXXX that we would be receiving a refund in full and that she was refunding the other charges made while staying there. The other charges were refunded however the charge for the hotel was not refunded. When I contacted XXXX to explain what was going on they said they would not contact the hotel. I attempted to escalate with XXXX to no avail. I then proceeded to dispute the charge with my bank Discover. They provided proof that the charge was valid in the form of an online screenshot showing the booking. However the charge has not been refunded. The service I paid for was not rendered. The room was not in a habitable condition. '' The case was closed by CFPB as the company responded they were still investigating the case. The case was closed XX/XX/XXXX and was again charged back to my account I submitted documentation I received from the hotel stating they authorized a full refund to the third party vendor XXXX for the charges at XXXX XXXX. I have not received a refund, I have been recharged by XXXX again. I have had no additional correspondence with Discover only a surprise charge against my account. Discover is engaging in unethical billing practices and not investigating the claim or even corresponding with me. I am continuing to ask for this unathorized charge to be removed. I did not authorize this charge. I am uploading a copy of the letter from the XXXX that states the charge should have been refunded. I do not know what more I can provide to prove this was not authorized. At this point this is a fraudulent charge by XXXX.
Product: Credit reporting or other personal consumer reports

I am reaching out and filing this complaint to EXPERIAN to address a concerning matter regarding my credit report, and I appreciate your attention to this issue. 

Recently, I discovered fraudulent accounts on my credit report, prompting me to file an FTC report with the identity theft report number XXXX. Despite taking this action, upon reviewing my credit report, I noticed that these fraudulent accounts continue to be reflected. 

As a consumer, I place a high level of trust in EXPERIAN to safeguard my personal information and furnish accurate credit reports. Unfortunately, I have observed multiple inaccuracies on my credit report, including discrepancies in balances, dates of late payments, payment status, date of last payment, and violations under FCRA policy. 

To facilitate the resolution of this matter, I have attached the FTC report, along with a copy of my driver 's license and proof of address. I believe that by working together, we can rectify these inaccuracies and ensure the integrity of my credit profile.
Product: Vehicle loan or lease

I brought XXXX XXXX XXXX  and in XXXX  with Well Fargo Bank and the interest rate was very high and did try to refinance though they denied me. I have been paying the loan for six years. In XXXX XXXX the car was stolen in a park n ride in XXXX XXXX, Washington. I am working with my insurance to see if the car is fixable or if they will pay it off. But Well Fargo decided to change off the car before the insurance finished the process. Well Fargo Representative told me on the phone they will unstill my insurance process. After a few days I received a call from Well Fargo and the representative said that my car was charged off which will impact my credit now. Well Fargo reported that I was late on the payment which was not true.
Product: Credit card

I previously submitted comp. # XXXX regarding a so-called PayPal Credit account, # XXXX XXXX XXXX XXXX, that I had no intention of opening in the XXXX place and find impossible to cancel though I 've sent multiple letters and email requesting closure. The original charge was for {$38.00}. I sent them a check # XXXX on XXXX for that amount along with a request to cancel. No response other than computer generated bills spitting out and now a whopping {$130.00}. I just paid them that amount on the advice of counsel to avoid further damage to my credit rating. They give " gotcha '' and " scam '' a bad reputation.
Product: Checking or savings account

XXXX evening my car was broken into in my parking garage of my XXXX XXXX The person stole my wallet with my debit card and about XXXX credit cards. The person used my physical card to purchase things at surrounding stores to my XXXX XXXX All charges were made with the card which I was not in possession of. I only reported the charges that werent authorized and the claim was denied. I need help with chase bank to get my money back.
Product: Mortgage

I pay my mortgage BI-weekly, and it is enough to cover my full monthly payment ; I am certain my second payment is always processed before the deadline. Rocket Mortgage is charging me a {$65.00} late fee X 2, and I am on time. 

The escrow amounts keep rising without any notice, so my scheduled payments are not enough to cover. 

Payment XX/XX/XXXX {$1100.00} Payment XX/XX/XXXX {$1100.00} XXXX the full payment in full prior to the cutoff. 

Prior month XX/XX/XXXX and XXXX for payment in full