23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I have sent in total {$800.00} Venmo. Venmo cancelled these transactions but instead of returning the money to the Debit cards they are holding the money hostage and they are trying to force me to send them private information like bank statements, passport over unsecured environment - emails. I told them I do n't agree with it and they just closed my support case. If they think those transactions are fraudulent they should have reversed the charges., they are trying to confiscate the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to cfpb ( # XXXX ) inXX/XX/XXXX. It was corrected. Now, todate, I have the same problem re-existing on my credit report. I have sent letters to  TransUnion and to XXXX but had trouble disputing on line with XXXX. I have old statements showing the situation was fixed. XXXX  confirmation number is XXXX showing that {$350.00}. from XXXX was satisfactory and that the account is " closed. '' Whereas, on my credit reports, they state that amount above was never paid and is open and is still in collections. This is wrong. XXXX Account No.  XXXX - date opened:XX/XX/XXXX. This has a 0 balance is a closed account. It is shown as a " derogatory mark '' on my credit. 

Can you please help me rectify this again? 

Thank you for any of your help. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 i received XXXX payment from XXXX XXXX XXXX and on XXXX XXXX, 2023 i received from XXXX payment from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These three people are scammers and they filed against me from different banks claiming i am the scammer who called them to send money thru XXXX. my bank and XXXX company without any notice to me send back XXXX dollars to one of the scammer. these scammers use XXXX XXXX app service and to buy usdt XXXX dollars and got their XXXX usdt tether dollars by sending money thru XXXX. once they got their XXXX they know if they group dispute the charges they sent thru XXXX, they can their money back and they did and got their money back. i called my bank they explained to me what happened because its several people doing dispute charges they decided to close my bank account permanetly with me and the money they sent back to one of the scammer is nothing to do with them but it is XXXX 's decision to reverse credit back to the sender without any notification to me. 
i tried to call XXXX and they dont receive any calls there is no customer service. i called my bank so many times and all reps wash their hands and gave me a wrong number to file dispute charges which is their own bank and never return my request.
Product: Debt collection

I noticed on my credit report an account with NCA as the original creditor for {$400.00}. I wrote them a letter to address XXXXXXXX XXXX XXXX XXXXXXXX, KS XXXX back in XXXX asking for proof of where this debt came from. I then again sent another letter in XXXX requesting the same and still no correspondence from the company. I would like this to be removed off my credit report. Its unfair that people can put anything on your credit report and we have to fight to prove any inaccuracies. I am going to seek legal action if this is not removed. It reflects poorly on my credit file and is affecting my ability to obtain housing.
Product: Credit reporting

On XX/XX/2016 I noticed that previously deleted inquiries on my credit report that were deleted had reappeared and were given new dates to expire.
Product: Money transfer, virtual currency, or money service

I am writing this complaint because cash app has provided poor and insufficient customer services, barely resolved issues due to no live customer service rep. I eventually called the XXXX and a day later my card use was took
Product: Mortgage

Re : COMPLAINT - PennyMac Loan-Failure to Disclose. 
Due to recent hurricane Irma, I applied for and was approved for a Disaster Forbearance Plan. PennyMac expressly stated that during the Disaster Forbearance plan period, late charges would be waived and credit reporting would be suppressed. .. BUT PennyMac DID report to the credit bureaus that I was 2 months late which caused my credit scores to plummet. ( XXXX dropped to XXXX! ) I had made my XX/XX/XXXX payment on time and I made a payment XX/XX/XXXX after which I repeatedly tried to call their number without success. I was earnestly trying to speak with a live person. I finally sent a message through their message center. 
On the notice PennyMac sent me on XX/XX/XXXX, it states that at the end of the forbearance plan, ( XX/XX/XXXX through XX/XX/XXXX ) I would be contacted " to reassess '' my current circumstances as well as be provided information on alternatives that may be available to me. This did NOT happen. Furthermore, it states that " at the end of the forbearance period, PennyMac will work with me to repay the amounts included in the forbearance agreement. This too, did NOT happen. Instead. I was bombarded with NOTICES OF DEFAULT AND INTENT TO ACCELERATE. 
In one week I made 3 payments of {$930.00} ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 
PennyMac has completely reneged on the agreement to suppress reporting to the credit bureaus. Now I am concerned that my low credit scores will affect my car insurance rate, credit card rates, etc. PennyMac should be made to retract the erroneous information they sent to the three credit bureaus.

I would appreciate any help you can provide regarding this matter. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now tried THREE TIMES via direct dispute with XXXX, XXXX, and oh boy, Experian! to have the account status of a PAID COLLECTION updated CORRECTLY. For SOME REASON, when I paid it off, it was updated as " debt included in or discharged through bankruptcy chapter XXXX '' " debt included in personal recievorship. '' I HAVE NEVER EVEN FILED FOR BANKRUPTCY LET ALONE COMPLETED ONE! I've called the creditor to have this removed, they swear they never reported it! I've disputed it THREE TIMES with the credit bureau who EVERY TIME swears, the creditor confirmed the information is correct! NOW I DON'T KNOW OR EVEN CARE WHERE THE DISCONNECT IS, I WANT IT FIXED! PAID COLLECTION! HOW HARD IS IT TO CHANGE THE STATUS TO " PAID COLLECTION?! '' IF YOU CAN'T DO THAT, REMOVE IT FROM MY CREDIT REPORT ALL TOGETHER! 

XXXX XXXX is the creditor. I have NEVER had SO many problems with something SO XXXX simple!
Product: Debt collection

Not only did this company not furnish any sort of debt validation after asking multiple times both directly to an agent over the phone and via email-which is how they told me to ask for the info, I ended up receiving the information directly from the party that I allegedly owed debt to, they have now been sent a packet of identity theft information and have not removed the false info from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open auto loan with XXXX XXXX XXXX XXXX that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XXXX, 2023. While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from XXXX a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately made another payment to XXXX. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I am in the process of purchasing a house and this late pay marking has been detrimental to my credit. I have any control over XXXX Auto phone system. Nor was i aware that they were obviously having phone issues as a consumer. I am requesting that the call be listened to ( which will prove the error was on XXXX part ) and that my evidence of the 5 minute call be reviewed on my billing report from XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked over a copy of my consumer report in which I've noticed several accounts reporting that have no knowledge of. The account and information motion listed in my dispute letter either doesn't belong to me or is inaccurate information. I asked TransUnion to investigate these accounts to insure that everything is accurate in which they aren't. The creditors listed in my dispute letter have no permission to purchase my personal information nor did they have the consent from me to report anything. I am aware that I have a right to privacy in which that right was violated. How can I owe a debt to these creditors if there is no actual agreements between us? In order for any account to be reported on my consumer report they must have my consent. I understand that it is TransUnion job to thoroughly investigate these accounts and do what's fair and equitable for me. These negative accounts are impairing my ability to obtain the essential necessities that I need for the daily living.

Violations committed by TransUnion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a federal student loan the beginning numbers are XXXX, in the amount of XXXX. I had made many inquiries and turned in proper paper work to work with my debto and now I have letter of forebearance in effect. My ssn is XXXX, my mailing address is XXXX XXXX XXXX, XXXX, Arkansas XXXX. I am the breadwinner of my family, and the only open loan that should on my credit report is a co sign for a XXXX in XXXX via XXXX XXXX. My work history is not updated I own a very small business The XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, Arkansas. I have not made any new inquiries into my credit report and there is many. I would appreciate any assistance into this matter.
Product: Money transfer, virtual currency, or money service

XX/XX/year>XXXX  I invested {$6000.00} in Coinbase Wallet mining market. It was not profitable, so I decided to withdraw my funds and send them to my bank. Upon doing so they were held for verification. I was told that I needed to add 80 % of my investment in order to have the funds verified. That was {$5500.00}. Once again verification failed because I was XXXX cents short. I was told to repeat this process and add 80 % again. This time I put in {$6000.00} to make sure that I was not short. I was told that the funds needed to be XXXX after I sent XXXX. I once again converted to be funds to appease the system. My funds still were not given back. Instead I was told that I had to pay custody fees of {$530.00}. I paid them and the following day I was told that I needed to add an additional {$500.00}. I sent {$1000.00} this time hoping this would eliminate any further delay. I checked again and was told that I needed to pay a margin fee on top of what I already paid. That was another {$1000.00}. I waited for their response only to be told that more fees were needed to release my money because they were in the XXXX  to long and accrued even more. I then put {$1500.00} in to assure that I could get my money back, but of course this was not enough. The XXXX  required money in order to process my funds. Once again I added {$1200.00} and have been waiting for the release of my funds, but so far nothing has been returned. All of this has take three months in the process of getting my money back. I have paid over {$15000.00} just to get my initial investment of {$6000.00} and nothing has been returned yet. Every time I talk to customer service about this, they tell me to be patient. In the mean time Ive had to take out two separate loans and borrow from friends and family in order to get my money back.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Billing Error to Remove Incorrect Late Payment Reporting Due to Procedural Error Dear Chrysler Capital Customer Support Team, I am writing to formally dispute a late payment recorded on my credit report by Chrysler Capital on XX/XX/year>. I am providing evidence that this action did not comply with federal billing regulations and request immediate removal of the late payment from my credit record. 



On XX/XX/year>, I made a payment through XXXX, a bill pay app, because I did not have the available funds to make the payment through my usual method. This option allowed me to use my credit card to ensure timely payment. Prior to this, I had arranged a payment plan with your team that would last until XX/XX/year>, which included adjustments to my account balance after my car was in the shop and a warranty refund was applied to the principal. 



However, on XX/XX/year>, Chrysler Capital reported a late payment on my credit report. This action did not follow the required procedures as specified under CFPB Regulation 1026.13, specifically regarding Billing Error Resolution, section ( b ) Billing error notice. My request for correction is based on the following points : 1. Failure to Deliver Statements : Federal law under 1026.13 ( b ) ( 7 ) requires that creditors deliver periodic statements to the consumers last known address, provided that address was on file at least 20 days before the billing cycles end. I received no statements via my correct email or physical address, preventing me from having knowledge of the billing error in time to address it. 

XXXX. Incorrect Email for Paperless Statements : Upon investigating the issue, I learned that my electronic statements were being sent to an incorrect email address due to a setup error by the dealership. A recorded phone call with your representative confirms this issue, and I have an email record of when I notified Chrysler Capital of the correct email address.

3. Timely Payment Made : I made a substantial payment of {$1600.00} on XX/XX/year>, which was applied to my account. Given my payment history and recent activity, I would never be 30 days late under normal circumstances. 



As this error was due to procedural oversights on Chrysler Capitals part, I request that this late payment be removed from my credit report immediately. If this matter is not resolved, I will be compelled to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 



I hope to resolve this matter promptly and appreciate your attention to the legal obligations involved. Please confirm receipt of this request and inform me of the next steps. 



Thank you for your prompt assistance. 



Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter and FTC report regarding fraudulent and unknown things on my credit report to this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me financially and the ability to provide to my family. My information has been impacted by the recent Transunion data breach and may have gotten compromised by the breach.
Product: Credit card or prepaid card

I applied to open a credit card with Bank of America to take advantage of a lower interest offer for a balance transfer. I wanted the transfer amount to cover the entire amount of another credit card ( XXXX ). After a couple weeks the company informed me that I only qualified for a portion of what I applied for ( XXXX ) so I contacted them by phone and told them that I was no longer interested and to stop the process. They agreed but about XXXX weeks later I learned that they opened the account and sent an arbitrary amount to my other credit card company. It took several months to get the initial money back to Bank XXXX but now there are transfer and late fees that I dont feell I should have to pay. I have been dealing with this since XXXX. I have talked to several people at Bank of America. Some sympathetic, some not but they really dont seem to want to help. Should I just pay the late fees and transfer fees and move on? Any thoughts would be helpfull. 
Thanks XXXX XXXX XXXX
Product: Checking or savings account

Transactions are going through on a closed card and the bank said that i should expect that. I deactivated debit card should not be able to access my funds in an account.
Product: Money transfer, virtual currency, or money service

On the XXXX XXXXXXXX XXXX, my crypto account that I have been using for about 4 years now refused to open. I had bitcoin worth about {$1300.00} in the account so open several tries it finally let me login in the XXXX XXXXXXXX XXXX and now asking me to verify my identity. 
I submitted all documentation asked including a selfie picture. Afterwords I waited for about a week without any response so I contacted support and they said they were working on it so I calmed down. After XXXX weeks still nothing. My complain with ticket # XXXX. I kept reporting, and now support doesnt respond to my complains no more. My verification has been under review for more than XXXX business days now. 
Currently they are not allowing me to login to see and access my funds. Whenever I try logging in it saying wrong password but Im very sure its the right one. Please this is really frustrating and heartbreaking. I feel Im being scammed and Im not going to get my money back. This is all my saving. Please help
Product: Checking or savings account

On XX/XX/, 2023, around XXXX XXXX, I deposited {$800.00} cash into a free standing Chase ATM machine at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Once I deposited the cash, the processing circle on the screen kept scrolling round and round. After a couple of minutes of no processing and no change, I pressed the cancel button, however, there was no change. I called Chase at XXXXXXXX XXXX and was on the phone for 15 minutes while still standing in front of the machine. The Chase representative asked me which machine I was at and how much money and in what denomination did I deposit the funds. I informed the rep that I deposited eight ( 8 ) {$100.00} bills. The Chase rep stated she was signaling the machine on her end and trying to get the machine to work or reboot. After several minutes of trying to get the machine to work remotely, the rep informed me that the machine was frozen and inoperable and that a chase servicer will go by later to service the machine. The Chase rep said that the {$800.00} would be credited to my account within 2 hours and it was. 

On XX/XX/, 2023, I saw that the {$800.00} was reversed. I called Chase and was informed that my claim had been denied as there was no overage at the machine. I was informed that there was no appeal process or ability to reopen the case unless I had a receipt. I reminded them that the machine froze and that no transactions of any kind were made due to the machine 's malfunction. I asked if the cameras filmed me depositing the money and the response was that they do not have access to the cameras. I asked if the Chase ATM machine service person was investigated for possibility of pocketing the {$800.00} when they serviced the machine and I was informed that Chase does not do that. 

Chase has stolen {$800.00} from me.
Product: Debt collection

I reached out to a company that had my debt to which it told me it no longer had and that a law firm named XXXX XXXX XXXX had the account. I called XXXX & XXXX on XX/XX/2022 at approximately XXXXXXXX XXXX est. at the phone number provided ; XXXX. I have not received any letters or notices from this firm nor have I received any phone calls. However, on XX/XX/2022, my wife receives a phone call from this firm at a XXXX number at XXXX XXXX  est. The person that called my wife was very abusive and berated her over the phone. He cussed her and said he was not going to help her and she offered him my phone number to which he said he did not want it and then hung up.
Product: Credit card

XXXX XXXX, CA-XXXX XXXX/XXXX/XXXX American Express XXXX, TX XXXX Dear American Express, RE : American Express Plenti Card XXXX Refused to take a Balance Transfer I am member since XXXX and enjoying membership benefit almost 12 years. 
I got a Balance transfers offer by mail date on XXXX XXXX ( Letter Attached ) I called today your call center XXXX on XXXX/XXXX/XXXX at XXXX PST. 
They refused to take a balance transfer and given me XXXX call. I called that number and agent name called XXXX XXXX, He also refused to take a balance transfer. I asked them to transfer for supervisor, he said he not available. 
After that same day XXXX PCT I called XXXX that number agent called XXXX, He also said no balance transfer offer your all card and treated me very unproficinaly. He refused to transfer to supervisor. XXXX not treated me like a real customer and I felt discrimination. he did n't provide service what I needed. 
I loved to do balance transfer and please called me some one responsible person and help me out. 
If need more information contact me on XXXX Thanks. 

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

I have sent XXXX equifax and XXXX since XXXX I sent several certified letters from the post office that require a signature once receive, stating that this information on my credit report is inaccurate from the inquires to the collection I am a victim of identity theft. I send them copies of police report it's XXXX its this wrong and fraudulent information they reporting. Now I had hire a lawyer XXXX months ago and been sending them letters and still not remove. This false information is stopping me from providing for my kids it's hard to rent etc and this is wrong information they putting out.
Product: Mortgage

Me, XXXX XXXX XXXX and my wife at the time XXXX XXXX XXXX, in XX/XX/XXXX refinanced our home mortgage, and also acquired a separate loan for the home where I currently reside. In XX/XX/XXXX we separated, divorced, I somehow acquired all debt. I was allowed to refinance mortgage on current residence at the going rate of % XXXX. as I tried on my other mortgage, with interest rate at % 8.4276, have denied and denied, due to debt to income ratio, to which I had no options. I have sold the place several times on contract, here six years later yet again I am struggling to make both house payments because remember my debt to income ratio makes me not qualify for a more reasonable interest rate but also a much much much much lower payment to reduce my DEBT TO INCOME SO WE CAN LEGALLY ROB YOU BLIND RATIO. DIVORCED DEBT RECIEVER IN KY NEEDS HELP