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

Yesterday XX/XX/2021 I recieved a payment from a friend for help he needed with a tree I helped him and he offered to give me money for gas as I was completely out of fuel he said he could send XXXX via venmo and that that was the only option. I have used venmo for several years so I checked my account before hand and there was no issues and no notifications that would make me think there would be a problem so I approved the transfer and the {$120.00} went into my venmo account without issue. I checked the account status and there was no issue it was available... so I then decided to get fuel for my vehicle i had to push my vehicle for some ways to get to the nearest gas station I am on XXXX summit in California we recieved snow yesterday and it was below XXXX. I opened an cell phone application for XXXX XXXX XXXX purchasing I have used this program more than 15 times with venmo or PayPal as the payment method I added the venmo account to my XXXX account without any issues everything was working as usual I checked the venmo account again and there was NO issue at that time and said I had linked the accounts successfully I then attempted to make the purchase. I was unable to and recieved a message stating " the transaction was declined but try again it might work ''! I tried again but got the same results. I tried linking to my debit card because now I am stuck at a pump after dark and unable to get warm. I attempted contact approximately 50 times via chat, email, and a phone call this morning In which I was told that the system restricted my account that there was nothing that the person could do and there is no way to call anyone that can do something and that I will have to wait 3 days to hear back...

The money went in and was available the accounts were successfully linked and there was no issue... then when I attempted the purchase it was restricted. This is obviously intentionally withholding MY property otherwise why was I not notified on a problem or the account restricted when the accounts were linked?

The new methods put in place for contacting venmo for help with this type of issue differ from the previous policy and is obviously to slow the process down or to prevent customers from any type of assistance in the moment or even In the immediate future and another example of willfully withholding my personal property. I had no reasonable expectation to expect my property would not be usable. This event has very seriously jeopardized my life and is more than just negligence based on my interactions with this company over the years this was not done because of suspicious activity or even potential fraud this is intentional and clearly a breach ofour agreement. I am still out of gas and tonight the temperatures will be at or near 0 I need access to these funds immediately It is not a large amount it is hardly a number to warrant any protective measures and I should have been notified prior to the declined transaction there was an issue.
Product: Credit card or prepaid card

Received a prequalified offer only to be denied by the company and have a credit inquiry charged against my score which O have been working on improving!
Product: Student loan

I had previously submitted complaint and have case number XXXX. This is an update to that complaint. On XX/XX/XXXX, XXXX confirmed by phone and by email that my application for deferment had been granted, after two months of delays on XXXX part based on what appears to be intentional delays or absolute incompetence, as described in my original complaint. I further checked my account status online at XXXX website and saw that my loan had been placed on deferment from XX/XX/XXXX through XX/XX/XXXX. Despite these confirmations of deferment approval, on today 's date, I received an email stating that a payment was due on XX/XX/XXXX! I immediately called XXXX and spoke with their representative. The representative informed me that my account had not been updated and that only XX/XX/XXXX reflected deferment status. This made no sense in light of the fact that a payment was due on XX/XX/XXXX! The representative went on to inform me that she would submit an expedited request for review of my loan status and that this process could take several days. I replied that her answer was insufficient because I have been repeatedly told that every error in XXXX processing of my deferment application that had occurred since XX/XX/XXXX, would take two to three weeks to process and again I 'm being told that I had to wait for some unspecified period of time to learn the status of my loan. The representative replied that she would put an extra urgent note on the inquiry. She agreed to call me by XX/XX/XXXX, to advise me of the status of the correction to my account status that I am seeking. 
It appears to be the habit and custom of XXXX to either remain incompetent or to purposefully delay applications such as the one I requested.
Product: Student loan

XX/XX/XXXX denied for XXXX XXXX XXXX XXXX XXXX XXXX ) because I did not have the " right kind of loans '' Received a letter XXXX XXXX stating I should resubmit application because requirements changed XX/XX/XXXX sent in current application for XXXX and was also encouraged to consolidate with MOHELA Both application and consolidation was done and processed in XXXX Checked Mohela 's website at the end of XXXX. It showed XXXX of XXXX payments qualified but the others had not. No change in XXXX of beginning of XXXX. Then mid XXXX I received a letter from them stating I was not approved for the XXXX because of employment and payments. I applied for a reconsideration with them and resubmitted forms showing my employment and payments. They sent back an email stating my employer was a qualified employer and I should call to look into this. When calling you can not get in touch with anyone and lately it says the call volume is too high to be accepting calls and just hangs up. 
I have taught in a low income parish and have had the same employer for over XXXX years and paid my XXXX plus payments to the same lender so I do not understand why it would say XXXX payment qualifies and the others do not especially after getting confirmation from the reconsideration committee that mine should go through and be approved for forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Uder the FCRA section 605b, please remove the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} US DEPT. OF EDUCATIO XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXXXX/XX/XXXX Opened XXXX. XXXX, XXXX Balance {$1000.00} US DEPARTMENT OF EDUXX/XX/XXXX Opened XXXX XXXX, XXXX Balance {$1700.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$8500.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$4200.00} US DEPARTMENT OF EDU XXXX Opened XXXX. XXXX, XXXX Balance {$2000.00} XXXXXX/XX/XXXXOriginal Creditor XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$730.00} XX/XX/XXXX Original Creditor XX/XX/XXXXXX/XX/XXXX Opened XXXX XXXX, XXXX Balance {$100.00} US DEPARTMENT OF EDU XXXX Opened XXXX. XXXX, XXXX Balance {$3800.00} US DEPARTMENT OF EDU XXXX Opened XXXX  XXXX, XXXX Balance {$960.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$4200.00} XX/XX/XXXXInquiry : XXXX XXXX, XXXX XX/XX/XXXXXXXX Inquiry : XXXX XXXX, XXXX ] XX/XX/XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXX/XX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXX/XX/XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXX/XX/XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX XX/XX/XXXXXX/XX/XXXX Inquiry : XXXX XXXX, XXXX. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, so please comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX with account number XXXX and talked to them about the issue with my account as reported by the 3 Credit Bureaus. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status is still reported. I am not sure how the Bureaus came up with this remark. They have failed to investigate properly. Also, the comments do not confirm to the payment history that is being shown in my report. Please update the status of this account immediately.
Product: Mortgage

XXXX XXXX, XXXX Last year around XXXX worked with Quicken Loan to Refinance the property at XXXX XXXX XXXX XXXX XXXX They order an appraisal which was done on XXXX XXXX, XXXX. The appraisal done had many problems such as wrong sq ft by less than XXXX, room XXXX XXXX XXXX, we have solar and no mention at all as energy efficient item. 

The Indicated Value by Sales Comparison approach was {$320000.00}. 

The report has a home listed that was sold on XXXX and XXXX homes closer to our sq ft & lt ; XXXX XXXX XXXX XXXX CA. Sold for {$430000.00} on XXXX - XXXX, XXXX sq ft and XXXX XXXX XXXX XXXX XXXX sold for {$75000.00} at the end of XXXX - XXXX sq ft & gt ; were not used as comparison. The rule is not to use homes so old that values are not comparable and locate XXXX for value approach that are closer to sq ft that the XXXX being appraised which he did not do! 

The Porch/Patio/Deck says large deck. The appraiser stated our decks sq ft was XXXX. The XXXX decks, around our house, measure XXXX sq ft. So value approach not added correctly! 

Solar owned by us is given no value which is a XXXX, XXXX panels at a cost of $ XXXX! 

The house building sketch was not correctly drawn, very poor and incomplete! 


The indicated value by cost approach arrived by the appraiser was {$420000.00}! 

The opinion of site value of {$20000.00} is of raw lans where our property has the infrastructure, water, sewer, electric phone, cable, foundation, walkways etc.! A {$60000.00} is the number both a builder and the California XXXX appraiser feel is better for a property with infrastructure! Again the report stated the Sq ft was XXXX which is wrong and is XXXX! 

Depreciation used of {$120000.00} assume no improvements to house since built! The interior of the house floor XXXX has been totally remodeled, and floor XXXX has new rugs and bathrooms improvements which the report does not mention. 

The report mention a large decks but we have XXXX decks which totals XXXX sq ft. and the drawing lacks too many sq fts.! 

The appraisal has no costs associated with the Solar, which is owned by us at a cost of {$2100.00}! 

The value arrived makes the house cost approach impossible to rebuild! Our Insurance agent provides a value at the low end of {$170.00} and up! 

All this information was provided to the Quicken Loan folks and there reply was that the Appraisal was done correctly per the Appraiser! 

Quicken Loans provided no support and/or investigation to determine the correct information!
Product: Credit reporting, credit repair services, or other personal consumer reports

I authorized payment for my XXXX XXXX  XXXX account To XXXX XXXX on XX/XX/XXXX for the amount of {$6.00}. I received a notice generated by their computer that the payment was authorized. After making the payment, my balance was XXXX. I never followed it up because the account was paid off in full. I never received a phone call from XXXX bank that the payment was not made. I never purchased anything from XXXX XXXX  XXXX until last week. 

All of my prior payments were being made through the same bank account and I had no problem. In fact, I had authorized the bank to take the minimum payment on the due date of each month. 

The bank is claiming that my account was frozen at XXXX XXXX  and when I checked it out, my bank told me that the account was never frozen. In fact, I looked at my account and all the other payments were being made that I authorized. Due to this my credit score went down from XXXX to XXXX. I also realized that one of their Reps outright lied that my bank account was frozen. 

I have called XXXX XXXX  about the payment about 4 times and still, they are not removing late payments of 30 and 60 days. They connected me to Equifax and I could not upload the notice authorizing the payment on XX/XX/XXXX. I have already sent the authorization to XXXX. 

Once I realized the late payment of 60 days, I made a payment so that my account is current. Due to this, I was denied credit from XXXX bank where my account is.
Product: Credit card or prepaid card

Comenity Bank had four of my cards Overstock, XXXX XXXX XXXX Wayfair and XXXX. 
I filed for the hardship program in XX/XX/XXXX, they told me that hardship will be approved only if I am late for one month. Once I applied and was approved for the hardship program I should not be charged the late fees. I am being charged late fees as I am paying under the hardship program.
Product: Credit card or prepaid card

At approximately  XXXX  CST on  XXXX / XXXX / 2017 , I logged onto my chase credit card account to find it closed. This happened to coincide with my declining of a mortgage offer from chase on  XXXX / XXXX /   2017  which the terms were awful. I have been an outstanding customer with a on time payments and a   XXXX   balance. I reached out to the customer service team, was transferred and put on hold 5 times before " a supervisor '' communicated that the account was closed due to chase 's decision. I asked for what reason,  XXXX  said that is the only thing I can tell you. It is ironic and silly that any creditor would close a perfect customers card immediately after my declining of their offer for the mortgage. It seems illegal and bad business practice. Once I told the supervisor I was recording the call she responded with I can not proceed further. How can anyone be sure these people are on their best behavior if they are n't being recorded? And what is their to gain or hide by doing so. I just wanted honesty and to uphold the representatives to the truth. I have never contacted the CFPB or BBB, but I feel like  XXXX  did this with bad intentions, also my  credit score is af fected from them closing my account and hampering my debt-to income before purchasing a home. I can not believe  XXXX  has treated me this way.
Product: Credit reporting

I disputed the Chapter XXXX Bankruptcy that is on my credit report with Equifax and they did an investigation and after 1 days time I received a response from Equifax stating the investigation was complete and the report was accurate. I called the Federal Bankruptcy Court in XXXX and I was advised that once they report it to the XXXX credit reporting agencies they do not report it again or ever update it. I was told by Equifax that the info was obtained from XXXX. I called them and they removed all information from their database. I again filed another dispute and received the exact information from Equifax that the information was verified through XXXX but I never told Equifax that XXXX had removed all the info on the bankruptcy a moth prior to me filing the second dispute. I asked them to remove it from my file since it could not be verified through their contact XXXX and they refused to remove it so they are reporting this under false pretenses.
Product: Credit card or prepaid card

want to know why my acct was closed, it was in good standing, credit krama reports closed
Product: Credit reporting or other personal consumer reports

Experian has had my XXXX XXXX as late payment on my credit report for quite some time now. In the past I have spoken to them about this incorrect information and reported it to you guys. Now I am ready for court proceedings.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest and dispute the inaccurate reporting of the account on my credit report. Upon contacting the relevant company, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the account would be promptly updated. Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. Both XXXX and XXXX have already rectified the inaccuracy of this account on my report. Therefore, I kindly request that you take immediate action to update this erroneous account. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in- curring an additional finance charge, such addi- tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  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 with my written instructions.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit card account is not reporting on my XXXX and XXXX credit report. I have made numerous calls to please have this account report. This account is in excellent standing and last payment made was {$800.00}. Having positive information report will help my credit score. Its been months since I reported this account is not reporting
Product: Credit reporting or other personal consumer reports

This letter is intended to address some issues with your organization 's credit summary. I reviewed them during the time I had and will go into more detail below. 

To understand what rights I have, I researched the Fair Credit Reporting Act ( FCRA ). I learned that the law mandates that all information be accurate. 


Please check my credit report and correct any errors in light of this. The FCRA states that I have the right to request a check and a fix if necessary. This is a matter of trust between you and your customers as well as a legal requirement. 

Remember that it's forbidden to provide false information on credit reports. Credit reporting companies are required by law ( Section 1681e ( b ) of the Fair Credit Reporting Act ) to ensure that the individual 's information is as accurate as possible.

Last but not least, a prompt response to this matter would be appreciated. When a customer 's financial reliability is on the line, it is critical that your business abide by the FCRA. False information on a credit report should never be used as it may result in issues. I'm hoping you can fix this, thanks. 

My trust in your company 's work will be restored if you respond right away, demonstrating that you respect customer rights.
Product: Vehicle loan or lease

Ive emailed them in XX/XX/2022 to remove the open loan off my credit because it is fraudulent I was told to file a complaint with FTC The loan amount is for {$13000.00} XXXX XXXX.
Product: Credit card or prepaid card

My edd card from bofa has been closed and I have called numerous times and have been to my local bank of america and nothing has been done from the bank and I am not doing to well with my health at the moment and I would appreciate it if you could help me get this problem resolved. 
Thank you and God bless you!
Product: Bank account or service

Chase Bank closed my personal checking account on XX/XX/2017 without my knowledge and sent me a cashier check. They claim that my personal checking account which I had for over thirty five years was a business account. I spoke to Senior Service representative who also confirmed that it was set up as a personal checking., but due to Chase acquisition of Washington Mutual the account somehow changed to business. I have been using this account for my direct deposits. The checks, I wrote out will be returned with insufficient funds and I will be penalized for this. Chase currently does not take blame for this.
Product: Debt collection

This is payment for an office visit which was paid in cash the day of the visit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

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