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

On XX/XX/2022, I received an email from Venmo stating that my account was going to be frozen. I responded to that email immediately upon receiving it, and for days afterwards. I also received a separate email, asking for a copy of my photo ID, which I sent immediately upon receiving that email. I tried calling Venmo and was told I have to keep responding to the original email chain that sent me the notice. I also used the chat option, where each customer service representative told me the same thing : respond to the original email chain that sent the notice. I want to know what I did wrong that warrants a frozen account and that is having Venmo withhold my money from me for up to 180 days, they claim. The only answer I have gotten is that I violated their User Agreement, but they won't tell me how. I have read through the user agreement multiple times and find nothing that I did wrong. I want them to release my funds ( which is {$5000.00} as of today, XX/XX/2022 ) to me and I promise I will never use their platform again, even though I did nothing wrong.
Product: Credit reporting

I contacted the credit reporting agency and advised them that the amount sent to them by XXXX XXXX XXXX is not an amount owed. In fact, there is no amount owed to them and this entire report was filed in an attempt to damage my credit and that of my daughters because this is listed on her credit report as well and when we contacted Equifax to dispute said items, we were told that it would not be removed. According to Federal Trade Commission Rules 15 U.S.C. 1681s ( a ) ( 1 ) accuracy, 603.2 ( e ) intergrity and ( 1 ) Substantiated. In fact, XXXX XXXX XXXX has to show how the debt is owed and they can not and Equifax should have removed this from our credit report.This is a landlord tenant dispute where we exercised our rights under state law and the landlord sued in retaliation. There is a counter claim pending and there has been no final judgment awarded to the landlord. Thus, the entire amount listed is fraudulent. We ask once again for it to be removed from my credit file and that of my daughters. We can mail any supporting documents showing XXXX XXXX XXXX has no legal right to place said amount on our credit file. We ask for it to be removed at once. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW is reporting incorrectly to XXXX   ; XXXX and XXXX a prior delinquency in XX/XX/2017 on the BMW FIN partial account number XXXX. ( Please see page attached from my credit report. ) I make this monthly payment via XXXX XXXX XXXX payment system. I set-up when the payment should be sent and per the customer service agreement, XXXX guarantees payment to be remitted and credited to the account specified in a timely manner. When I was made aware that this payment never reached BMW on or before the due date, I immediately contacted XXXX XXXX XXXX. The representative I spoke with assured me that the payment was sent out and that BMW should have received in on time. Unfortunately, the payment was not sent out timely, which was through no fault of my own, and I was zapped with a late payment. I have an excellent payment history with BMW and respectfully request that BMW contact the ( 3 ) bureaus and have this prior delinquency removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

After carefully going through my credit report, I found several accounts that appear to be fraudulent and were added without my consent.
Product: Debt collection

On XX/XX/XXXX, I responded to a voicemail that had been left for me by a woman named XXXX. She did not say what company she was calling from, but was calling to respond to a claim made against me with a case number. She said if I did not call back that action would be taken against me without consent. I called and spoke to a person named XXXX XXXX. XXXX claimed to be of XXXX XXXX XXXX, a mediation group who was trying to help me from being sued in court from Wachovia Bank now known as Wells Fargo. XXXX had my address and current information. XXXX claimed that I was in danger of being sued over a debt of {$260.00} from a closed Wachovia Bank account in XX/XX/XXXX. He said the bank was going to sue me for {$750.00}. He said it was unlikely, but that he could discuss with his associates about getting me on a payment plan. I expressed hesitancy and that I thought it was a scam. He sent me a contract that requires my e-signature that now states I owe XXXX XXXX XXXX the above amounts, not Wachovia Bank. XXXX XXXX has my debit card information and has charged me {$100.00} since this phone call.
Product: Credit card or prepaid card

On XX/XX/XXXX I transferred a {$720.00} balance from a XXXX XXXX XXXX credit card to a US Bank card. I paid the applicable transfer fee. The APR would be 0 % until XX/XX/XXXX. In XX/XX/XXXX I used the card to buy a sandwich for {$3.00}. I've noticed they started charging me a minimum interest fee of {$2.00} each month even though no purchases were made after that. I have made timely payments for more than the minimum amount. I called this morning & was told that since I bought this sandwich I would be charged {$2.00} interest each month and the only way that would stop was to pay the entire card balance. I asked them why I could not apply part of the monthly payment to any purchases & the rest to the balance transfer & they stated that was not allowed. I have a copy of the letter they sent me when I made the balance transfer & nothing is said of this. It is an unfair & misleading business practices since I am not allowed to pay on the purchase with a higher interest rate than the balance transfer amount which has a 0 % rate.
Product: Credit reporting or other personal consumer reports

I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is Breach of privacy. No consent is identity theft. INQUIRIES : 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 XXXXXX/XX/year> Please see attachments for proof of identity, and identity theft report with police case reference.
Product: Debt collection

I ask to stop contacting me and they continue to do so! I keep getting the spam phone calls everyday or every other day! I keep getting letters in the mail and they are also sending the letters to the wrong address when I have corrected the address on the XXXX XXXX website and ask not top send me anymore as we would get this debt paid as soon as we get the funds we are waiting for!! So I would greatly appreciate it if the letters and phone calls would stop! I see this being a harassing matter as we can not help our insurance sucks and dont help as much as we want it too! So please STOP contacting us!!
Product: Prepaid card

I have a skylight payroll card. In the paperwork it ststes if you use their ATM there will be no fees. Yet when i used it to check my balance it charged me a XXXX every time. I used an ATM out of their network and wasnt charged a XXXX. 

There are checks with this pay card that can be used to take your paycheck off the card all at once that you 're supposed to go to XXXX or XXXX to cash. Yet when i tried to use th8os service NOWHERE will cash them anymore. So i called the contact number to cancel the check and have the money put back on the card. They told me it would take 3 business days to put the money back on the card. After 4 business days it still was n't there and i got evicted because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is my 1st CFPB complaint I have had to make about the lack of response. However, I have filed disputes submitted directly to XXXX, XXXX  and Equifax. While I understand that there is a pandemic which can cause delays, I have not received anything from the bureaus since my first dispute on XX/XX/2020. This is not a delay ; this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by anyone to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Equifax and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit card or prepaid card

I submitted a dispute on my account in XX/XX/2022 in regard to an XXXX charge of approximately {$270.00}. The reason being that I did not authorize or consent to the purchase and already contacted the merchant in good faith to request a refund. After, discussing with merchant further, I was told that I would be refunded once the good was returned to them, however the good was too large and heavy to return to the merchant without shipping assistance. The merchant was initially not helpful to this concern, and I was not making any progress in getting sufficient communication from the merchant on how to return the good. 

After submitting dispute to Amex, I was emailed a response that they would investigate the dispute of {$270.00} and would reach out to me via email to : ( 1 ) update me on the status of the dispute ; ( 2 ) request additional documentation if needed. After a period of time of no response, I contacted Amex again to inquire as to the status of the dispute and find out why the amount was not returned to my billing account. Amex informed me that they closed out their investigation, however I ( 1 ) was never informed of the status of my dispute or ( 2 ) given any opportunity to submit any documentation as indicated. I requested that the dispute be reopened or appealed but was not given any chance to do so. I was told that my only recourse was to again contact the merchant directly.

I once again contacted the merchant to attempt to resolve this dispute. The merchant then ( 1 ) agreed in writing to authorize the refund me without having to send good back and ( 2 ) told me that I should have already received the amount back from Amex. I still had never received this amount back, so I once again reopened dispute with Amex. Amex is still refusing to credit me for the refund amount after repeated attempts to dispute the charge, and the merchant agreeing that the amount in question should be refunded back to me.

Amex violated the cardmember agreement and the rights of the customer as follows : ( 1 ) did not give customer adequate opportunity to provide documentation in regard to the dispute, ( 2 ) did not inform or update customer as indicated regarding the status of dispute, ( 3 ) did not refund a customer for an initial unauthorized purchase, ( 4 ) is refusing to accept new dispute or additional documentation, and ( 5 ) is not refunding amount back even though customer and merchant are now in agreement as to their intention that a refund should be issued.
Product: Money transfer, virtual currency, or money service

I attempted to sell XXXX XXXX at XXXX EST XX/XX/21 on the Gemini platform and they would not process the transaction despite numerous attempts. Now my initial investment is nearly gone despite the fact that when I initiated the trade I would have broken even/ made a profit at the market value at the time. I tried to complete this sale numerous times to no avail. I do not feel I should be held responsible for a loss incurred due to a malfunction within their platform. I have reached out to them numerous times and they have only responded that they will pass it on and I am still unable to withdraw what little capital is left on their platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 i had a Hard inquiry on my credit report from XXXX XXXX  i would like to have it removed an have the address of where the application was made or where the card was being mailed to so i can have a clue of who has my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for home equity loan. When they run my credit they found charge off on my report from Experian. But I dont have any charge off so I tried to reach Experian but I guess that the only company in whole united state dont have any customer service. Spent over 13 hours to reach them from last 3 days. All automatic and robotic person. Never get connected with any human. After they provide the instructions they disconnect. Even though I try to open membership with them same thing happen. My question is that, they dont have right to put incorrect information in my report while other two dont have any. And why they dont have human customer service where me or people like me they put in situation can solve the problem. What are they think our or my time dont have value. That I spend 14 hours just to reach some one to fix the problem when they put wrong information in my file. And I believe its not only me thousand and thousands people have same problem with them. They should operate their business at all when they cant provide service. Appropriate authority either take action on them or shut down their service forever that way people like dont have to go thru unnecessary hassle and spend 13 hours. My humble request to authority to take necessary action please.
Product: Student loan

Over the last 4 weeks I have been actively attempting to payoff 1 of 4 loans I have with XXXX XXXX XXXX XXXX company. 
- I made a {$1300.00} payment request in XXXX, it was reversed 3 days later. 
- I inquired about it, the customer service rep was unable to tell me why. He advised he will inquire and will contact me back. Never did. 
- 4 days later I see the {$1300.00} payment is being made, but spread across the 4 loans rather than how I authorized it towards 1 loan. 
- I inquired again and was told I would be refunded. It never happened. 
- I again called and requested that the payment is properly allocated towards the right loan. I was told by a " Supervisor '' that it will be, 5 days later and it has yet to be done. 

Terrible company. There has to be something illegal about what they're doing. I'm currently in process of transferring my loans to another company.
Product: Mortgage

My mortgage is currently serviced by Selene Finance. The prior servicing was handled by XXXX XXXX. This mortgage debt was discharged in a Chapter XXXX Bankruptcy on XXXX XXXX Case # XXXX. Since the discharge date, Selene has promised to re-stablish a new mortgage note, but has never followed through. Selene has collected funds and continues to make demands to post bankruptcy payments. Since the debt was discharged, numerous demands have been sent via mail in attempt to collect on the discharged debt. I have received repeated phone calls from representatives making demand for payment as well. Per section 524 ( b ), 524 ( c ) and 524 ( f ), it clearly state that the creditor must be free of influence or inducement in any post-petition communication. Selene Finance has also violated the Federal Bankruptcy code by proposing repayment on the discharged debt.

[ 1 ] See Federal Bankruptcy Case XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX NC, XXXX Division. 

Furthermore, interest has been charged on the now discharged debt. As you are aware collecting money on a discharged mortgage debt is a violation of the Bankruptcy Code. Bankruptcy Courts may use their contempt power under section 105 of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction. 

[ 1 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. # XXXX ( XXXX. XXXX  NY XXXX ). 

[ 2 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX. # XXXX ( XXXX. XXXX Ohio XXXX ). 

The mortgage note produced by Selene to prove up the validity of the debt and right to foreclose is fraudulent as well ( exhibit A ). The note is signed by XXXX XXXX at the address XXXX XXXX XXXX, XXXX, IL XXXX. The mortgage note was funded by XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX was shut down by the FBI on XXXX, its majority owner was convicted on 14 counts of securities, bank and wire fraud. Overall, Selene has not proven up standing of ownership and the rights to foreclose. They have pursued foreclosure action and have implemented a foreclosure sale date of XXXX in the past. 

The accounting records that have been provided by Selene are incomplete as well, since the entire payment history is missing from XXXX to XXXX ( exhibit B ). Furthermore, since the mortgage note is missing, the derivative figures that compile the accounting records cant be determined.

Selene has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5.

Selene is in clear violation of Federal Bankruptcy Code, RESPA law and IN Code 32-30-10.5. I am  seeking a full refund of all funds paid post Chapter XXXX BK. Overall, I feel deceived by Selene on a number of counts and I am seeking your assistance on this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

I returned an item to XXXX, but they did not credit my account. I opened a dispute, BOA said they would investigate, I was credited. XXXX disputed the credit, citing return window policy. I told BOA the item was shipped and received later, BOA said that I need to provide proof of shipment, which I did, and proof of receipt, which i did. This was done three times I rang BOA and they said dispute was active, but I did not receive provisional credit, when asked about the provisional credit, they said one would be forthcoming. None ever did I have yet to receive any acknowledgement from BOA
Product: Credit reporting or other personal consumer reports

Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. As a first step, I would appreciate it if you could provide me with details. information pertaining to the alleged accounts, including any associated. transactions, applications, or account activities. It is crucial that I review this. information to assist in the investigation and help identify any fraudulent activity that may have taken place. Furthermore, I kindly request that you suspend all activity and remove the related. alleged accounts immediately, including any associated fees, charges, or penalties. I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. the steps being taken to address this issue. Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. confident that you will manage this matter with the utmost attention it deserves. Should you require any further documentation or information from me, please do not. hesitate to contact me at the phone number or email address provided above. Thank you for your immediate attention to this matter. I eagerly await your response. and a resolution to this concerning issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX Balance : {$130.00XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7100.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX Balance : {$550.00XXXX XXXX XXXX XXXXXXXX XX/XX/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
Product: Credit reporting

In XXXX 2015 I purchased a car for my daughter, paying CASH. 
Equifax reported that my credit rating was too low to buy a car using cash? 
They reported my bank account at XXXX % of its actual value. 
They said my rating had to be lowered.
Product: Credit reporting or other personal consumer reports

I have been carefully reviewing my recent credit reports and noticed that some of my personal information is being reported inaccurately. To assist in correcting and updating these errors, I have attached copies of my identification documents for your verification. Please review them and ensure that the necessary changes are made to reflect the correct information on my report. 

My only name is XXXX XXXX XXXX My only current address is XXXX XXXX XXXX, XXXX, TX XXXX My social security number is XXXX My birthdate is XX/XX/1980 Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX