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

for some reason on my account, I was using it to deposit my XXXX XXXX XXXX XXXX funds. Next day I go to my account and my phones are not there. I speak to Venmo and they asked me to send proof of my identification, so I send them my passport and my XXXX  drivers license. The next day I receive a message stating. 

BELOW Thank you for contacting us. 

After reviewing your account, we have determined that it is not eligible for reactivation due to concerns regarding your activity. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 

If you are reaching out to inquire about a remaining balance in your account, please know that the funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Thank you for your understanding.

Team Venmo
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a payment with experian with XXXX XXXX for a payment that was made for XX/XX/XXXX. I received my dispute results on XX/XX/XXXX, and Experian updated my credit with two new late payments from XX/XX/XXXX and XX/XX/XXXX that was never on my credit report for being late, nor was I ever notified about this even if this were the case. I've never let my account with XXXX go past 30 days and they should not be allowed to add late payments from 2 years ago to my credit now, because I decided to dispute an error. The people are XXXX  and I'm currently working on trying to get my bank statements from XXXX. Experian also updated my credit report that I made a XXXX payment and XXXX payment is not due until XX/XX/XXXX. XXXX is a scam are they are reporting inaccurate information. I can't even dispute it again because experian won't let me. This is unacceptable and I tried talking with a Rep and Supervisor from XXXX and got no where with this. I've also wrote to the attorney general and plan on taking legal action against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian report # XXXX XX/XX/20 is reporting incorrect / false information as negative item # XXXX XXXX XXXX card stating 'account charged off/never late ' 'account closed at credit grantor 's request
Product: Mortgage

My wife and I just went through 7 months of application for a HAMP modification with US Bank. I am a XXXX and sometimes do n't have work in the winter months. I got behind a few months on my mortgage payments and was approved for the modification on XXXX, 2015. During this time US Bank kept sending statements for payment, assessing late fees, and making bad reports to the credit bureaus. I spoke with my representative, XXXX XXXX, about the XXXX week of XXXX to tell her I would not be able to make my XXXX payment and that the XXXX may be late. I reminded her of this when I spoke to her at the end of XXXX telling her I expected a paycheck around XXXX XXXX. I did n't get it on the XXXX and called to let her know that as soon as it arrived I was going to send in the past due amounts. I finally got the check on XXXX XXXX. I got a cashiers check for XXXX - XXXX - and XXXX and sent it. I called her the next day to let her know the check was in the mail. We signed and sent the acceptance form for the HAMP modification. About a week later, we received a letter from US Bank saying we were disqualified and not approved for the loan modification. The letter said the reason for the revocation was because the mortgage was no longer delinquent. At no time were we told that paying the past due amounts would get us eliminated from the program. I kept them well informed that I was trying to come up with the funds. Had I known, I would have kept the money and put it toward a new furnace. Ours broke last XXXX and needs to be replaced. We have been trying to keep warm this winter with only a wood stove in the basement. Sometimes it 's only XXXX degrees when we get up in the morning. We also need the roof replaced. US Bank says they will not take any responsibility for them tricking us into being disqualified. They claim the modification was figured to include the delinquency and any change to those figures nullifies the deal. I did the fiscally responsible thing by paying when I could ; I should not be punished for mistakes they made.
Product: Debt collection

When I was unable to pay the minimum amount due on my Citibank Credit card / Home Depot account due to losing my job, I called in effort to proactively make an arrangement until I was able to get another job. On the very next statement I received the minimum payment then due was {$600.00}, which was far more than what the original minimum payment. Citibank used the information given to them to place my account in debt collection for them to be able to write it off. I do n't understand how this is even legal. 

Needless to say I did everything I could to try and resolve the matter and went into debt collection with an agreement to pay {$45.00} per month until the debt has been paid in full. I do not receive any receipts or current balance or even monthly statements of the debt and this payment has been made now more than a year. I have no way of getting in contact with them and do n't know how I can find out what the remaining balance would be. How can I resolve this? I 've checked my credit score on XXXX and there is no information about the account even listed any longer. What can I do?
Product: Credit card or prepaid card

On XXXX XXXX a letter was sent to me from Capital One, stating that they needed to verify security information on my account and instructed me to call their fraud department. 
I called them when I received the letter and they advised that there had been fraudulent activity on my card and requested that I send them proof of my identity. I explained that I had just had XXXX and was incapacitated and it would take me a few days to arrange this. A few days later, I mailed them a clear copy of my license as instructed. I later received a letter informing me that they had closed my account. I called them to inquire why they closed it and they said they couldn't clearly read the picture of my license. I asked how I could collect the 400+ points that I had on my account and they said they could not obtain that information because the account was now closed and they couldn't 'see the history ''. I told them that I had the statement which validated my points but they would not accept this proof. I sat on the phone with them for four hours attempting to resolve this, eventually escalating this to the Manager of the Fraud Dept., to no avail. I was told there was nothing they could do and my points have been forfeited with no recourse. This remains unresolved.
Product: Credit reporting or other personal consumer reports

I Disputed the validity and Account status of Account Number: XXXX  with XXXX  XXXX  (Original Account holder) & XXXX XXXX  (Current Collection
Account furnisher) through certified mail on XXXX XXXX XXXX This account was never a chargeoff and it should not be reported on my consumer report. I also received a signature of the
dispute via receipt through certified mail on XXXX XXXX XXXX XXXX XXXX  has NOT
responded to my dispute, nor has XXXX XXXX
Product: Credit card

This is in reference to complaint XXXX. I asked someone to call me from American Express. I received a call from American Express on XX/XX/XXXX. I could not talk at the time, because I was at work. I received a voice message from a AE representative advising that they are from American Express and to call the phone number that is located on the back of my AE credit card. I called the number on the back of my AE credit card when I was on my lunch break and the person I talked to could not help me or answer any of my questions. I told him that I work Monday through Friday from XXXX XXXX. to XXXX XXXX. He said that someone would call me back to setup a time. I received a phone call today ( XX/XX/XXXX ) and I could not talk at the time they called, because I was at work. They closed the complaint since I did not answer. I NEED SOMEONE FROM XXXX BENEFITS DEPARTMENT TO CALL ME TO SETUP A TIME TO TALK.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$190000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$56000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$730.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$190000.00} XXXX, XXXX XXXX Balance : {$720.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$5700.00} XXXX XXXX XXXX  XXXX XXXX : {$56000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$730.00} XXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX Balance : {$190000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$56000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX - XXXXXXXX XXXX XXXX On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX XXXX has not been updated. I contacted Equifax on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, and the XXXX XXXX reflecting that the amount was taken from my checking account. The account is listed as a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I called Equifax on XX/XX/XXXX and opened up a second dispute. I would like for Equifax to remove the tradeline. If they are unable to, I would like for Equifax to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 without my written instructions
Product: Money transfer, virtual currency, or money service

Hi My name is XXXX XXXX. I am writing to file a complaint and seek refund regarding to a {$380.00} payment that I made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX through Paypal. 

On XX/XX/XXXX, I made the {$380.00} payment to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) by using a Visa card ending in XXXX through Paypal account ( XXXX ), and the transaction ID is XXXX. The payment was aiming to be made to XXXX XXXX XXXX account XXXX. However, until XX/XX/XXXX, XXXX XXXX XXXX  still has not received this {$380.00} payment. 

I called Paypal customer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding to this issue and didnt received any solution addressing the issue of XXXX XXXX XXXX  didnt received my payment. On the call with Paypal customer service, I requested a proof that can show my payment was indeed paid to XXXX XXXX XXXX such as a wire, ACH or check, but those information wasnt shared with me. 

I called XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX customer service agent claimed the payment of {$380.00} was not received and further Paypal was not a recognized payment method. XXXX XXXX XXXX even opened a payment search case for me and case number is XXXX. On XX/XX/XXXX, XXXX XXXX XXXX called and confirmed that they didnt receive {$380.00} payment. I also attached a screenshot of payment history from my XXXX XXXX XXXX account which shows no payment of {$380.00} was paid to my account. 

Since Paypal cant provide proof that my payment was paid to XXXX XXXX XXXX account XXXX and XXXX XXXX XXXX claimed that they didnt receive this payment, I am seeking a refund of {$380.00} to my original payment method which is card ending in XXXX.
Product: Checking or savings account

On XX/XX/XXXX I learned that the bank decided to close my business account without providing a reason. As of XX/XX/XXXX, the bank has held {$30000.00} of my business funds and not released it.This has disrupted my business operations and caused severe cash flow issues as I'm not able to access my funds for my day to day operations.
Product: Debt collection

XX/XX/XXXX My mom received a call first they did not state who they were they just said they were looking for me if her a phone number and a case number and for me to contact them immediately I immediately contacted them before getting to work and the woman did not say her name she just said she is calling to collect a debt and I asked her okay what day what company she just gave me the name of who I owed money to which is a payday loan she said this loan is from XXXX I told her okay can you give me a phone number and your name and I will contact you immediately as soon as I'm off work she then stated if I hang up on her there will be a police officer at my door a police officer at my job and they will be serving me with court papers because I'm going to be sued for fraud and breach of contract I explain to her I will work something out can I just please give you a call I have to go into work she then yelled and said do you not understand that if you hang up now it's going to be that you are unknown cooperative I explain to her I will cooperate if you let me give you a call back she then said no I'm sorry I'm going to put you down as uncooperative and that's it I hung up on her I then received five more calls from a different phone number and the lady did not say hi my name is or anything she just said did you talk to anyone I explained to her who is this she said I asked if you talk to anyone if not you're being sued I said who is this and she did not say her name she was just giving me attitude she also said I can do payment plans I told her okay I will do a payment plan but I need you to send me your information through email so I know where my money is going she said first payment you make then we will send you information I said no and then I told her I am not off work yet I will call you back when I'm done she then said no we're stealing you that's it I don't care we're going to garnish your wages we're taking everything that you have because you owe us {$450.00} I hung up on her and she kept calling and calling and calling and calling me it's frustrating because I am a single parent of two kids I don't make enough every two weeks and I'm barely getting by and for them to threaten me that I'm going to jail is just not okay because I'm literally all my kids have.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was charged {$700.00} from XXXX XXXX for services that were not delivered. Capital One advised me to try to resolve the issue with the merchant, but after multiple attempts, it became clear that the merchant would not return the money or provide the services. On XX/XX/XXXX, I filed a dispute with Capital One for the charge. They reversed the charge and informed me that I would receive a letter in the mail with instructions on how to complete the dispute process. 

However, when I did not receive the letter, I contacted the dispute department and asked for an alternative method to submit the information they requested. I was sent a link and went through the process, only to later find out that the charge had been reapplied to my card because I didn't submit the information in a timely manner.

I explained my efforts to comply with their requests, but was told that the dispute was being closed because it was past the 60-day limitation to file a dispute. I was never informed of any time limit and was misled to believe that Capital One was handling the dispute as part of their dispute resolution commitment. Despite my repeated efforts, they never attempted to recover the money from the merchant, and the dispute was ultimately closed. 

I am now out {$700.00} and feel that Capital One misled me throughout the entire process. They had the opportunity to disclose the time limit and their lack of action from the start, but instead chose to string me along, collecting interest on my card and making me jump through hoops. I am extremely disappointed in their handling of this matter. I was ripped off for {$700.00}, I proved it to them, and they are refusing to process my dispute.
Product: Credit reporting or other personal consumer reports

Inaccurate Late Payment & Request for Account Removal From : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX Dear CFPB, I am formally disputing a late payment reported on my credit file for the following account : Creditor : XXXX Bank Account Status : Paid & Closed Balance : {$0.00} Opened : XX/XX/year> Closed : XX/XX/year> Reported Late Payments : 1 ( 30 days ) This late payment is inaccurate, unverifiable, and unfairly impacting my credit score. I request that this entire account be deleted for the following reasons : 1. Violation of FCRA 609 Right to Verification If the late payment can not be verified with a signed credit agreement, full payment history, and timestamped records, it must be removed immediately. 
Since this account is fully paid off and closed, any negative reporting should no longer impact my credit. 
2. Violation of FCRA 623 Accuracy of Reporting Inaccurate late payments violate 15 U.S.C. 1681s-2 ( a ), requiring furnishers to report only correct, complete, and timely information. 
If XXXXXXXX XXXX can not provide direct proof of the late payment with timestamps, it must be removed. 
3. Goodwill Deletion Request ( If Verified ) If the late payment is verified but not an error, I respectfully request a goodwill deletion due to my history of account repayment and closure in good standing. 
Since the account is fully paid off and closed, removing this negative item will not impact the lender negatively. 
Per FCRA regulations, you have 30 days to investigate and correct this matter. If this error can not be verified, the entire account should be removed from my credit report. 

Please provide a written confirmation of the investigation results at my address. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX A Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to TransUnion. I received a copy of my TransUnion credit report and it showed credit inquiries that I did not authorized. I understand that unauthorized inquiries should not be placed on credit files. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible purposes. 1. XXXX XXXX XXXX. XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX