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

On Saturday XX/XX/2021 my Venmo card was declined. I tried calling customer service but they are not open on weekends. So on Monday XX/XX/XXXX I called and was I formed my account was frozen. I was told maybe the email notifying me of this was in junk folder and sure enough, it was. The email asked for my ID, which I immediately sent. I then called and spoke with a representative who said that when the account is frozen, all communication about that is through email and that there is no one I can speak to in that particular department. I explained I had just received my stimulus payment of {$4200.00} on the XXXX, and before that my income tax refund, so there was a large balance that I needed access to in order to pay rent and bills etc. I was told I would just have to wait for an email and there was nothing they could do for me. 

So I waited and waited and today, Friday XX/XX/XXXX, I called again and the rep said she would re-escalate my case. I sent an email to Venmo asking for help and informing them I would contact you to file a complaint but first was hoping to hear from them. I emailed Venmo almost every hour and then at XXXX Friday XX/XX/2021 I received an email stating I violated their user agreement and my account would be deactivated. 

As if that isnt disturbing enough, the email goes on to state that my funds will be held for 180 days due to loss prevention and that they should be available for transfer and I would be emailed about that. 

I dont understand how they can hold my funds when the large deposits into the account are clearly from the United States Government. How is that a loss prevention issue? I have no clue what I did that was so wrong as to warrant a deactivation and hold of my funds. 

I am a single Mom who provides for my two special needs sons and my XXXX-year-old Mom. This money is basically ALL the money that I have to my name and now it is in limbo. 

Plus there was a credit coming to me from Air B and B ( {$580.00} ) that never even showed up on my Venmo account, I imagine due to the freezing of said account and now the subsequent deactivation. 

I immediately contacted Venmo to ask for clarification on the should be transferred wording of their email and the automated response was that its the weekend and Id have to wait until Monday. 

I am physically ill over this. How can they do this? It does not seem fair. 

Today, ( XXXX/XXXX/201 ), I received an email from XXXX of the Execute Escalations Department of Paypal. In his email he states that my Vemo was deactivated because " you are receiving payments for goods or services. ' '' I don't use Vemo as a business and if my activity were for business nature, then why are the people with whom I allegedly did business was also not frozen? Futhermore, the {$4200.00} deposited on my XX/XX/2021 clearly states it is from the US Treasury Department. As such, there won't be a risk of charge back that Vemo is concerned about. At the very Vemo/Bancorp should give me my stimulus payment.
Product: Student loan

I have a private student loan through Citizens Bank. The servicing of the student loan is through XXXX. The loan program has a auto debit incentive which reduces the interest rate. As this change in rate is not on the note or disclosure statement it is my understanding that they are required to show whether or not it is applied on my monthly statement or otherwise disclose if it is being applied to the current rate. XXXX contests this and has told me that they are not required to disclose this, that i need to manually calculate the rate monthly and check to see if this is applied. Am i correct that they are required to disclose this? If so can you point me to the particular regulation on point so i may pursue my grievance?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX : XXXX, XX/XX/XXXX, : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XX/XX/XXXX under the account number XXXX, XXXX Credit Card XX/XX/XXXX under the account number XXXX, XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).
Product: Student loan

I 'm currently attending school ( full-time ) and my student loan servicer, NelNet, continues to say I 'm late on payments, although my payments should be deferred. My school has contacted NelNet multiple times and they have provided confirmation that I 'm currently in school but NelNet is not following correct protocol. 

I have tried to reach resolution with NelNet with no success, as they continue to say they do n't have confirmation I 'm not in school, despite myself CC'ing a school representative, where they 're providing information stating I am in school.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX with the following account information is reporting to the Credit Reporting Agencies as a Charge off since XXXX of XXXX on Experian with a status of Account charged off. {$32000.00} written off. {$26000.00} past due as of XX/XX/XXXX. However, I have not received a XXXX which Form 1099-C : Cancellation of Debt is required by the Internal Revenue Service ( IRS ) to report various payments and transactions made to taxpayers by lenders and creditors. These entities must file Form 1099-C if {$600.00} or more in debt was canceled or forgiven. 

XXXX is also reporting inaccurate and inconsistent information across the different Credit Bureaus which is a violation of the FCRA. 

The amount of late payments are different with each bureau. The status of the account is also different across each Bureau.

For Example, on Experian, XXXX XXXX XXXX shows an original balance of {$36.00}, XXXX with a last payment date of XX/XX/XXXX but does not disclose the amount and a past due balance of {$26000.00}. On Experian, XXXX reports no information from XXXX XXXX XXXX but reports XXXX of XXXX as 30 days past due, XXXX of XXXX as 60 days past due, and XXXX of XXXX as 90 days past due. 
In XXXX, XXXX reports XXXX as 30 days past due, XXXX as 60 days past due, XXXX as 90 days past due, XXXX as 60 days past due, XXXX as 90 days past due with XXXX of XXXX being paid on time. In XXXX, XXXX reports XXXX as 30 days past due, XXXX as 60 days past due, XXXX as 90 days past due and as a Charge off beginning in XXXXXXXX XXXX XXXXXXXX. 

On XXXX, XXXX Shows the date of the last payment in XXXX of XXXX in the amount of {$560.00}. XXXX reports no information from XXXX XXXX XXXX but reports XX/XX/XXXX as 60 days past due, XXXXXXXX XXXX XXXXXXXX as 60 days past due, XXXX of XXXX as 60 days past due, and XXXX XXXX XXXXXXXX as 90 days past due. In XXXX, XXXX reports XXXX as 60 days past due, XXXX as 90 days past due, XXXX as 120 days past due, XXXX as 90 days past due, XXXX as 120 days past due with XXXX of XXXX being paid on time. In XXXX, XXXX reports XXXX as 06 days past due, XXXX as 90 days past due, XXXX as 120 days past due and as a XXXX off beginning in XXXX of XXXX. 

On XXXX, XXXX reports remarks that read Charged off as bad debt|Profit and loss write-off. XXXX is currently reporting no payment history with a balance due of {$26000.00}.
Product: Payday loan, title loan, or personal loan

On it around XX/XX/XXXX I was contacted by title max XXXX XXXX ( XXXX ) XXXX XXXX and XXXX  XXXX AZ he asked if I was interested in a better title loan with more affordable payments interest and a little more money. 
I had several times refused but went and seen him at his place of work title max he talked fast I told him I was on limited very limited income. XXXX due to my need he quoted me a amount that my vehicle wasnt even in the blue book for and I took a loan for more than I could possibly afford. I told him days later if my loan wasnt to start until XX/XX/XXXX then why was I being charge interest on this loan he was then calling me a complainer and became very rude I contacted XXXX XXXX XXXX to do a buy out to try and find a way to pay this mo eat back this due to this put me into a hardship that was abusive loan and shouldnt have ever happened by this or any company I did the buy out from another company but truly believe title max and Mr. XXXX should be liable for this loan do to abusing what I couldnt even afford and he new he was conning me I need help first of getting my interest back I paid for having the loan a week and also for having to pay off the current buy out and pay this loan for abusing power and I believe this has to be illegal to do I make such a small amount he set me up to fail
Product: Money transfer, virtual currency, or money service

ive made several cash app transfers within a couple of years and lots of them never made it to their destinations. Many times I called Cash App. Theyve always told me contact the recipe and find out what an out they received it, and I always mention that the recipient never received it so most of the time lot of that money has never been transferred and I lost out
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. The information I am disputing is as follows : XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

I saw numerous fraudulent inquiries in my report and a collection that i have been trying to remove w/ transunion and yet they always tell me that the documentation i sent were not from me. I know my right to have an accurate reporting based on FCRA. i did file FTC report together w/ cover letter to clean my report. I want the following fraudulent inquiries be removed from my credit report as soon as possible. 

XXXX  XXXX XXXX inquiry date XX/XX/2023 XXXX XXXX XXXXXXXX inquiry date XX/XX/2023 Kindly remove this fraudulent account as well XXXX XXXX XXXX account # XXXX date opened XX/XX/2023 And this is my last 4 digits of my social XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report is inaccurate 15 U.S.C, 1681 sec 602 a I have the right to privacy 15 U.S.C. sec 604 a sec 2 a consumer reporting agency can not furnish an account without my written instructions.

check all negative accounts that they are 100 % accurate, if not remove them. 
Also I need for each collection items the original purchase agreement and proof that I am the legal owner of these agreements. 
If no proof is provided, remove them from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued reporting of inaccurate information on my credit report and to address your failure to comply with the Fair Credit Reporting Act ( FCRA ). After multiple investigations conducted by your bureau, certain accounts on my credit report have been returned as verified, yet I have not received any method of verification or supporting documentation from your office to confirm the accuracy of these accounts. This failure to provide proper verification and documentation is a violation of my rights under the FCRA. 

On multiple occasions, I have disputed the accuracy of these accounts and requested detailed documentation regarding the verification process used in these investigations. Despite your initial assurances that I would receive this documentation within XXXX business days, no supporting information or explanation has been provided, and the accounts continue to be marked as verified. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As outlined in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ), the FCRA mandates that you provide the method of verification and the documentation supporting your investigation within 15 days of a request. Your failure to comply with this requirement is an infringement of my rights, and I request that you take immediate action to correct this issue.

Specifically, I demand that you either : 1. Immediately delete the disputed accounts from my credit report due to your failure to properly verify them, or 2. Provide the method of verification and complete documentation of your investigation results within 7 business days of receipt of this letter.

Please be advised that if this matter is not resolved within the specified timeframe, I will have no choice but to pursue further legal action under the FCRA. Consistent failure to provide proper verification documentation constitutes a violation of my rights and exposes you to statutory damages, as outlined in 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

If I do not receive a resolution or appropriate documentation, I will take further steps to file complaints with the Consumer Financial Protection Bureau ( CFPB ), and consider pursuing legal action for violations of the FCRA. 

I look forward to your prompt response to this matter. 

Sincerely, XXXX XXXX Key Legal Points Referenced : 1. FCRA Section 1681i ( a ) ( 6 ) ( B ) Requires the credit bureau to provide documentation of the method of verification within 15 days of a request.

2. FCRA Section 1681i ( a ) ( 5 ) Requires deletion or correction of inaccurate or unverifiable information after an investigation.

3. FCRA Sections 1681n and 1681o Provide for statutory damages for willful and negligent noncompliance.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I mailed a formal dispute letter to TransUnion, requesting an investigation into inaccurate items on my credit report. Specifically, I disputed the negative items showing on my credit report, Incorrect reporting of a Bankruptcy, and Inaccurate personal information. To verify my identity and comply with TransUnions documentation requirements, I included A copy of my photo ID, My Social Security card, and A recent bill showing my current address. On XXXX XXXX XXXX TransUnion responded, stating, We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party.

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information in a consumer 's file is disputed. By refusing to process my dispute or initiate a reinvestigation, TransUnion has failed to uphold its legal obligations under the FCRA. 
The continued presence of this inaccurate Bankruptcy and incorrect personal information on my credit report is damaging my creditworthiness and does not reflect an accurate portrayal of my credit history.
Product: Student loan

I was put on income base loan payment for years at XXXX not knowing I could pay as little as XXXX a month to reduce the loan amount over the years. I was XXXX of the many Navient customers
Product: Checking or savings account

My checking account have frozen can not withdrawals I can not do anything to my account and debit collectors take all my money in my account my deposit money is froze too
Product: Credit reporting or other personal consumer reports

I have received a letter from both XXXX XXXX XXXX XXXX Bankruptcy Courts, and both letters confirmed that THEY DO NOT REPORT TO CREDIT BUREAUS, NOR DO THEY VERIFY ANY BANKRUPTCY INFORMATION. Per the letters, the furnisher, XXXX XXXX XXXX purchased my personal public record on their own and WITHOUT MY PERMISSION, decided to report this negative information. 

THERE IS NO STATE NOR FEDERAL LAW THAT STATES THAT A BANKRUPTCY HAS TO BE ADDED TO A CONSUMER CREDIT REPORT. I've asked them to delete this but they lied and said the court verified, and the letter attached, proves that the Bankruptcy Court doesn't furnish this information. 

My privacy has been violated because I never gave written consent for this to be reported, neither was I sent any letter stating this would be added to my credit file ; I wasn't given the opportunity to dispute. 15 USC 1681 states I have a right to privacy for various reasons and any consumer agency and debt collector must have my written consent to report my personal information, OTHERWISE, ITS CONSIDERED IDENTITY THEFT. XXXXXXXX XXXX XXXX purchased my personal information and decided to display it without my permission.
Product: Debt collection

COMMERCIAL TRADE BUREAU has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe COMMERCIAL TRADE BUREAU any alleged debt and demand them to provide proof of claim with authenticated verification. COMMERCIAL TRADE BUREAU has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018, My third dispute letter was sent XX/XX/2018. My fourth dispute letter was sent XX/XX/2018. 

TransUnion Continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or contract bearing my signature. 

TransUnion has not provided this consumer with the information of Who verified theese accounts and How these accounts were verified by virtue of proper documentation containing my sifnature binding me to these negative accounts. 

TransUnion is now in violation of the FCRA and continues to be in noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX-DSPXXXXVER-XXXX {$0.00}
Product: Debt collection

XXXX  XXXX  continued to bill me after I cancelled my insurance policy years ago. I told them more than once that I no longer wanted their insurance and they said on multiple occasions that I would not be billed. However, they billed me anyways and sent the bill to debt collection without contacting me. I had no idea until I ran a credit report recently. I do not owe them.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : XXXX XXXX  XXXX XXXXXXXX XXXXAccount Number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have mailed several disputes and no changes have been made, to XXXX, transunion, and XXXX regarding these accounts XXXX XXXX XXXX and XXXX XXXX XXXX. 

On my XXXX I have mailed several disputes since XX/XX/2014 and no changes made for First premier bank and XXXX XXXX which is listed on my credit report in error. 

Everything else is listed correctly. Please remove the incorrect accounts from my reports.
Product: Checking or savings account

On XX/XX/XXXX, a payment of {$20.00} came through for a credit card I have to my Bank of America checking account. Instead of just paying the measly {$20.00}, they returned the funds and charged me an NSF charge. I'm not arguing about the fee, but not paying a small cost of {$20.00} when a large direct deposit is imminent ( deposit on XX/XX/XXXX that they can see the day before ) is asinine and petty, especially in these trying times. The same thing happened again on XX/XX/XXXX and XX/XX/XXXX. Absolutely ridiculous. If I miss a day and they know the deposit is coming, by all means charge a fee, but don't return the transaction - just pay it.
Product: Checking or savings account

I would to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I've occurred. Despite having sufficient funds when charges were authorized, I was charged fees due to late posting of charges & credits. This action aligns with the most recent CFPB dispute against Navy Federal Credit Union for similar actions, where transactions settled with insufficient funds & balances despite initially available funds. I think this is unfair & would like to request an investigation into my transactions & accounts.