23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

After completing the loan rehab program with XXXX XXXX for 2 loans, my loans were transferred back to the Dept. of Education and Great Lakes Services started handling the loan so payments were made to Great Lakes as of XX/XX/XXXX. However, XXXX did not report the correct orig. principal AMOUNT and the FIXED INTEREST RATE on said loans. Additionally, Great Lakes created a new payment schedule on XX/XX/XXXX, at which time they failed to include the payments made on this loan to both XXXX XXXX and all payments made to Great Lakes during XX/XX/XXXX through XX/XX/XXXX, they calculated the payments based on a higher interest rate and a higher ( wrong ) balance due. I advised them of their mistake on several occasions and followed up to see if they corrected same, I also requested verification of the debt and the docs that XXXX provided when the loans were transferred, all to no avail. Great Lakes has removed all info re the payment history, loan history, and other important info from their website, and essentially restarted the loan and repayment plan with inflated figures - they basically inflated the numbers to increase their income and the life of the loan. Additionally, my credit score has been negatively impacted by Great Lakes mishandling of my loans and as a result of reporting the wrong information to the credit bureaus, i have been negatively impacted financially in a way that is not quantifiable, as I have been denied loans, assigned much higher interest rates for loans and credit cards, I have been overlooked for apartments due to the purported high balance due on my student loans - you ca n't begin to put a dollar amount on the negative impact this has had on my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i mailed and digitally submitted the XXXX bueras  my identity theft report about accounts and inquires on my account and nothing has been done its been XXXX  days since. they are breaking the law please do something
Product: Credit reporting or other personal consumer reports

As dated XXXX XXXX XXXX TransUnion, reporting inaccurate, incomplete, information on my consumer report, and in accordance with the Fair Credit Reporting Act ( FCRA ) section 1681i consumer reporting agency ( TransUnion ) shall DELETE this inaccurate or incomplete information from my consumer report. Thank you, best regards, XXXX XXXX XXXX. All Rights Reserved UCC 1-308.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a Payment Plan with Citi Bank Collections Department because the account was closed and I wanted to pay me debt off. I am really grateful that they gave me credit. We made an agreement that I would pay {$260.00} every month for 31 months and my debt would be complete and I wouldn't owe any money. They also said that no extra charges including past due balance or interest would be added as long I was still enrolled with the Payment Plan. Today I got an email from the credit bureau saying that there was a change with my Citi Bank XXXX Account. I checked and they added {$200.00} to the amount past due balance. Please help me. Thank you and have a great day.
Product: Bank account or service

My bank periodically does not allow me to log in to my account, and at times it takes up to 3 months before they are able to fix the problem. This lack of access to my account does not allow me to access information or make any transactions other than use my ATM card. I never had this problem under my old bank. It only started when that bank was taken over. From what I have been reading, the present bank has fraudulently been using some of their customers ' money to open unauthorized accounts. I have been told that I can make a wire transfer of funds, but that would cost me {$40.00}, which I would not have to pay if I had access to my online account. This appears like a way for the bank to charge me an unnecessary fee.
Product: Credit reporting

Someone opened a credit card account with XXXX XXXX under my name and social but with wrong address, phone number and wrong date of birth. They used it according to XXXX to transfer credit card debt from another Credit card company. Should be easy to investigate and determine clearly as fraud. This has not been taken off my credit report and is affecting my credit score and my ability to obtain financing.
Product: Money transfers

This is a summary and a full version will be attached to this complaint. I was victimized by a scam involving online sale of puppies. Perpetrator was sophisticated in the way they described their program and involved victim in their process. They started out with a beautiful puppy and great concern over well being of the puppy and got you to buy into how sincere they were. They convinced me to send {$750.00} -- {$500.00} for puppy, {$250.00} for shipping ( at a cost of {$11.00} to me ). Then they said they would ship puppy & I would be contacted by delivery company. Delivery company contacted me with elaborate delivery procedures & instructions then at the last minute the delivery company contacted us wanting {$1800.00} for life insurance on the puppy saying they would return {$1700.00} of the {$1800.00} at the time they delivered the puppy. The backed up the demand for the {$1800.00} with references to XXXX regulations. We did not pay the {$1800.00}. It is a pretty elaborate scheme. It works fast. I am afraid other vulnerable people are being defrauded by this scheme. I suspect that the breeder and the delivery company are actually the same person or people.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXXXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I opened a Venmo account in XXXX XXXX I tried to transfer my Venmo balance of {$380.00} to my bank account on XXXX XXXX XXXX but the transfer was cancelled by Venmo and my Venmo account was frozen. I contacted Venmo on XXXX XXXX XXXX by filling out a help request form on their website. I received email instructions on what to do to unfreeze my account which included sharing a photo of a bank statement with any personal information obscured. They asked for a bank statement from an account ending in numbers that did not match mine. I replied to that email explaining that I do not have a bank account ending in those numbers. They asked that I share a photo of a bank statement for the account that I had tried to link to my Venmo account. I called Venmo using the phone number listed in the app to verify that the emails were authentic, and the person I spoke to verified their authenticity and explained that they couldn't help me over the phone and I needed to follow through with the steps outlined in the emails. I shared a photo of the bank statement from the account I had tried to link to my Venmo. This is the email I got in response : " Thank you for sending us your ID. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, 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. Note that creation of a new account will not change this decision. 

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. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. '' They would not explain what " actions and activity '' violated the User Agreement. I can not help but wonder if there was some kind of fault with Plaid that links bank accounts to Venmo since they were asking for documentation related to a bank account that is not mine. I can understand their freezing my account if I was the victim of fraud, but I can not understand how there is nothing I can do to get my {$380.00} besides waiting 180 days with only the possibility that Venmo will make it available for me to transfer. I do not wish to continue using Venmo 's services. I don't trust them, and my experience with them has been miserable. I just want to be able to transfer my {$380.00} into my bank account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.

2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

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: Vehicle loan or lease

on XX/XX/XXXX I was terminated from my job. I have been in contact with Ford Motor Company during my unemployment and they workrd with me. On XXXX I staerted a new job with XXXX. i entered a promise to paY FOR XX/XX/XXXX which was accepted the week prior. tday, I rewceived a cal from Frd motor credit and they told me that the promise to pay will not be accepted And they intend to reposess the truck. i WAS LIED TO.
Product: Money transfer, virtual currency, or money service

on XX/XX/24, my roommate transferred funds to my VENMO account, which should take 2-3 days. The total amount is {$3700.00}. The next day, I received an email that an additional device was accessing my number. I replied it was not me. On XX/XX/24, I received a call from Venmo stating transaction were being made and if it was not me to press 1. It sounded legit, so I pressed 1 and a text message from Venmo stated to enter the code, which I did. Three ( 3 ) transaction totaling approx. {$110.00}, was taken from my funds. I tried to transfer the remaining amount of {$3600.00} to my bank and it was denied. I immediately contacted Venmo on the app. They froze my account because they stated it is now in dispute. I stated I requested a transfer of my funds way before the transactions/disputes. They stated my bank rejected it because the info was incorrect. I just transferred {$110.00} earlier in the week. I made no changes. The money is for my mortgage payment which is now late and is part of a 3 month payment plan. If I do not pay it, my loan goes into default. I have been asking them to release the remaining funds ( {$3600.00} ) because it has nothing to do with the {$110.00} dispute. Venmo continue to ignore my emails. I am so frustrated and very suspicious of the activity possibly initiated by Venmo staff as I know this is a large transaction. In addition, the initial emails to my personal email account was addressed to XXXX XXXX. How did they not notice the incorrect name and let someone access my account? I feel so helpless not being able to contact a live person at Venmo. I have placed a complaint on XXXX and saw similar complaints by other consumers. 

Please assist in this matter and to retrieve my funds as soon as possible. Thank you.
Product: Money transfer, virtual currency, or money service

My phone was supposed to be lost and my bank information was on it and was linked to a card and money sent to it a balance of XXXX $ was stolen from my account they linked my bank account to his cash app his name is XXXX XXXX then went to his sister XXXX XXXX by there mother XXXX XXXX who was the last person that had my phone .cash app police or bank has yet to respond to my complaint, said I had done it, and it isn't true
Product: Credit card

I filed a dispute for a damaged freezer that I refused delivery. The company refuses to refund me although I do NOT have possession of the freezer. Barclay 's declined the dispute and is requiring me to pay the balance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

The World Omni Financial-Retail is reporting that my account was delinquent. The account was paid on time every payment. I even made one extra payment after they had the car back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I get monthly credit reports and this month i have a company turn me in collections and i have never heard of the debt, I called the original debt ( HSBC ) holder listed on the report and they kept me on the phone for hours then hung up and i called back they stated it was sold to another company so i ask for the information they sold and said they could not give me that but did give me a company name ( XXXX XXXX XXXX ) so i called them and told them and they said that it was sold to another company ( XXXX XXXX XXXX ) but refuse to give me any other details i ask why i was not sent a letter or invoice and he stated that if i paid my debts things like this would not happen, So then I called the XXXX XXXX 4 times and left a message but get no return callXXXX XXXX is the one that reported it to all three credit reporting agents, i want proof of this debt
Product: Credit reporting or other personal consumer reports

I am a senior citizen living in the state of Florida. I have a credit with Concora Credit That had a XXXX balance for the past year and recently I was notified by my bank that Concora credit placed a derogatory statement on my credit report. I contacted Concora credit and they told me they put a {$99.00} anual fee on my card however they never notified me or sent me a bill so I never new. They then reported to the credit bureau that I did not make a payment towards the annual fee. I had perfect credit and never miss any payments so I am asking the CFPB to demand that Concora Credit remove the negative statements they put on my credit immediately because they never sent me a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681c section 602 ( 4 ). 
1 ) Acct # XXXX XXXX XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX. Acct # XXXX. XXXX XXXX XXXX Has violated my rights. 15 U.S.C. 1681c Section 602 ( A ) states I have the right to privacy.

15 U.S C. 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

I demand that these accounts be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute involves a missed payment reported by XXXXXXXX XXXX to the credit bureaus for a credit card, Account XXXX XXXX XXXX XXXX XXXX This credit card account was stolen in the Fall of XXXX and used to make significant unauthorized purchases overseas. XXXX XXXX  never informed me of this. The card account was also set up for automatic payments. 

After discovering the fraud, I contacted XXXX XXXX. I was advised not to make any payments for the fraudulent purchases. The fraudulent purchases were reversed, and I was also advised that any resulting late fees regarding them would also be reversed. All of the fraudulent charges were reversed. I was issued a new card, and told all of the information would carry over to the new account. I have always used auto pay on all my accounts, which is why I have never missed or made a late payment. 

Despite being told auto pay would carry over to the new card, I noticed right after the due date in XXXX of XXXX that the payment did not process. I immediately made a one-time payment, and called customer service as to why it was not processed. The CSR representative acknowledged it was the fault of XXXXXXXX XXXX  that the auto pay apparently did not transfer over. As part of this acknowledgment, all of the late fees and interest charges were refunded to my account, which is why my credit card account currently has a negative balance. Auto pay was then set up again. I was also assured that it would not be reported as late or missed to the credit bureaus. 

After dealing with this, I was not only surprised but angered that XXXXXXXX XXXX  reported my account to the credit bureaus as having missed a payment. This caused my credit score to drop over XXXX points. 

I made a formal complaint to XXXXXXXX XXXX after filing complaints with the credit bureaus and no changes were made. XXXXXXXX XXXX then denied my request to have the late payment removed from my credit history with them, and thus with the credit bureaus.