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

Cash app is being used by the adult services community to lure vulnerable people into sending money for " adult cam shows ''. I was a victim of this scam. The scammers are on a site called chaturbate. They try to lure you offline for a cam show on XXXX. I foolishly agreed after telling the I was uneasy about doing this because there is no recourse once i send them money via cash app. She seemed trustworthy, even reassuring me that she would never rip me off because she knows how it feels. I figured well its only {$20.00} and she seemed like a decent person. Immediately after sending the money i was blocked from chaturbate and XXXX and had no way to contact the scammer. I immediately reported this to cashapp hoping that they would investigate. They were extremely unhelpful and said that once money is sent it can not be recovered. They gave the same company statement and said there is nothing they can do. Supposedly it was sent to a manager but the manager was just as unhelpful and said there is nothing further she could do so she was closing my case. I asked to speak to someone above her and she refused. I am really upset with the scammer but equally upset with cash app because they know they are enabling illegal activity through their app and dont seem to care so as long as they are making money. Not knowing where to turn I am here. At least I can make my complaint known. If there are enough complaing hopefully cashapp will be forced to take action.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and I'm a victim of identity theft. 
XXXX 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
Product: Debt collection

I filed a complaint with CFPB on XXXX, XXXX, linked to fraudulent practices by Bayview Loan Servicing and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Enclosed are copies of correspondence with Bayview informing me they would research my issues and respond by XXXX XXXX, XXXX. I received a certified letter dated XXXX XXXX, XXXX form the XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. This firm represents Bayview Loan Servicing .The letter informed us our home will be auctioned off on XXXX XXXX, XXXX. Also, I have enclosed a copy of the XXXX XXXX, XXXX newspaper publishing the sale. Therefore, apparently Bayview Loan Servicing and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has chosen to ignore the CFPB. Likewise, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has sent copies of this notice to our Town Hall and to two creditors from 7 years ago. I believe XXXX, XXXX XXXX XXXX XXXX XXXX and Bayview loan are now inflicting additional distress to myself and husband.
Product: Student loan

On XX/XX/XXXX, I requested Pennsylvania Higher Education Assistance Agency ( FedLoan ), to present the outcome of a pending manual review to determine if five of my payments toward my federal student loans qualify for the Public Service Loan Forgiveness program. These payments were made XX/XX/XXXX - XX/XX/XXXX. 

I have yet to receive any communications from FedLoan on the outcome of a manual review of the payments made in XXXX. It has been nearly 10 months since I have inquired about the results of this manual review with no response on the outcome or a timeline when it will be completed. These payments were also listed as " pending manual review '' for Public Service Loan Forgiveness for at least a year before I formally inquired to the status of this review. 

On XX/XX/XXXX, the latest communication from XXXX, Customer Service Associate for FedLoan Servicing, was : " Unfortunately, since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. We do not have an estimated time of when this review will be completed on your account. '' I do not find this response acceptable after nearly ten months of inquiries regarding loan payments made over a decade ago. I would like to know the result of this manual review.
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/XXXX, I received a noticed from Venmo saying my account was froze due to {$1.00} not being in my balance for a transaction. It said I could pay it back to reinstate my account. I tried to pay it back and there was not a way to. I called Venmo and talked to a representative and they told me they needed to send it to a XXXX and I will get a response within 2-3 days. I called again XX/XX/XXXX and received the same response. So on XX/XX/XXXX I received an email describing why they froze it. And asked for me to respond saying yes they were allowed to withdraw the {$1.00} out of my account. I responded within minutes and gave them permission. The next day, {$1.00} was taken out of my account. I assumed this solved the issue but it has been a week extra from XX/XX/XXXX and they still have my account frozen. They dont want to release my money. I cant talk to anyone who knows whats going on.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX  XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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

Equifax Inc. had systems which were improperly and insufficiently secured. As a result of their negligence, my information, along with an estimated 143 million customers from the United States, the XXXX XXXX, and XXXX have had our information put at risk. This negligence jeopardized and made names, Social Security numbers, birthdates, addresses, driver 's license numbers, and credit card numbers available to users who Equifax Inc. 's negligence and insufficient security processes enabled.
Product: Money transfer, virtual currency, or money service

signed up for a bitcoin buying site and i was talking to someone who was gong to buy me a bitcoin if i sent him my email then he would tell me how much money to send. 
sent this person my email and he has gotten access to my PayPal account. 
He had then sent him self XXXX dollars from my account. When i contacted him he has not responded and kept reading my messages. 
then contacted Paypal and expalned dd not make that XXXX and changed my password. 
Paypal has not responded and sad there s nothng they can do about t. 
am requesting my money back that was taken from me wth out my permsson. 
have requested my money back from the emal that t was sent to but there s no response XXXX XXXX -negative {$200.00} XX/XX/2020 Money Sent Repeat this transaction Your recipient should have the money by XX/XX/2020. 
Paid with PayPal XXXX XXXX balance Transaction ID XXXX Sent to XXXX XXXX XXXX Details Sent to XXXX XXXX {$200.00} Fee {$4.00} Total {$200.00} Print details
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : 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 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 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 XXXXXX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XXXX, XX/XX/21, XX/XX/21 and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

XXXX  XXXX XXXX There are several inconsistencies across all 3 bureaus- High balance, last verified but the bureaus are saying they verified it, date of last activity, date reported, date opened, closed date, not showing a in dispute status, last payment, and credit limit. 

XXXX  - There are several inconsistencies across all XXXX bureaus- Account #, High Balance, Date of last activity, date reported, date opened, last payment and credit limit. Also, XXXX is showing a late payment after a charge off which is a violation, how am I late if they have sold off the debt? 

XXXX  XXXX There are several inconsistencies across all 3 bureaus- High balance, date of last activity, date opened, dispute status, last payment, credit limit. Also, XXXX and XXXX are showing different days late.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that is not reporting accurately. It shows a late payment on my XXXX XXXX account for XX/XX/year> ; however, this payment was made on time. XXXX correctly reports this payment as on time, but TransUnion is inaccurately reporting it as late. Consumer reporting agencies are required to report all information with complete accuracy. This account has never been late. 

I am requesting an investigation into this matter and an immediate update to reflect the correct payment status, aligning with the accurate reporting by XXXX. Thank you for your prompt attention and assistance.
Product: Credit reporting or other personal consumer reports

I disputed this student loan with equifaz stating that the account is older than 7 years and should not still be reporting on my credit report. I have yet to hear a response from Equifax nor received any documentation responding to my request. I ask that this account be removed immediately. Please and thank you
Product: Debt collection

I have sent numerous letters to Hunter Warfield asking them to validate the debt. While I was still awaiting them to validate the debt, I received numerous calls from their office to my cell phone. Mind you, I have never had any business with them and have never given them my cell phone number or work number, let alone given them permission to call either of the XXXX. The problem I am having is misrepresentation on my credit report. For the last XXXX6 months, they have changed the original amount on my credit reports. How does the original amount change? This is inaccurate reporting and therefore they must remove this from my credit report. After disputing this several times with the credit bureaus, they continue to verify this information with XXXX but not with me.
Product: Debt collection

I have requested multiple times that XXXX XXXX XXXX does not call me and only communicate through mail. However they continue to call me and harass me.
Product: Payday loan, title loan, or personal loan

I took out a Payday installment loan in XX/XX/2018. Then I was planning to pay for it in full. The acquired loan was {$3300.00}. My daughter got sick and needs care multiple states away. I didnt realize until after I signed and my wife was like oh my gosh you just agreed to pay them over {$13000.00}. I challenged her and said no I didnt. It was then I didnt realize the entire thing and what I signed up for. Coming from the state of Georgia where PayDay loans are illegal. I read the loop hole that says only loans of {$3000.00} was government governing the interest rate to I believe 29.9 %. That made me realize why XXXX only gave a loan of XXXX us to put us in this never ending, taken advantage of, etc.. I the consumer knew after reading up that I finally realized they stuck me with a 350 % interest rate for 12 months paying over {$10000.00} in interest at almost {$1000.00} a month. It breaks my heart how people are getting taken advantage of from a Payday loan company hiding within that said company. Would them doing a means test save the unfortunate like me who tripped up on the company wording? Ive notified them repeatedly through email as of now that is my only form of communication. Their getting back to me is horrendous. They dont answer my email ever except for begging them to and then all I ever get if what can we do to help.I always respond to them and once again lack of, or no communication. I have every single email with that company. I filed a complaint to XXXX  and was sent an email from the XXXX  stating they didnt even answer their communication reach out. I never thought I was signing up for a {$3300.00} loan costing me over {$13000.00} in 12 months. I would never have ever. Thats almost my house payment each month.
Product: Credit card

I tried to transfer {$140.00} from my CHASE Debit card to my checking account. Chase took the money out of my Debit card, but the money never made it to my checking account. The bank routing and checking numbers were verified and accurate, but there is no trace on this and Chase is not very helpful recovering or helping find lost funds. They put you on hold for 30 minutes or longer, fail to return phone calls, and are poor at following up on complaint.
Product: Money transfer, virtual currency, or money service

This company is sending me email about some promo offers. I do not want these offers. I feel this company is trying to trick me into spending money and using their site. I've unsubscribed from these emails MULTIPLE times. I do not want these. I am still getting them. I have attempted to email the company to have them remove me from these harassing emails, and those emails have been ignored. 
All I want is for these harassing scam emails to stop from this company like I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score and it was down, so i logged into my XXXX  account. There was a pull on my credit from a company named resident data financial llc out of XXXX texas. The address on XXXX was XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I have attempted to call and contact online but they have no website and the phone number isnt valid
Product: Credit card

I opened this account and i believe i may have gotten the first card but it didn't work so i request another card at least 4 times possible five or even six times i have made phone calls to capital one explaining i haven't gotten a card I have again just recently reached out to request a new card in like XXXX or XX/XX/year> today i see they decided to close my account i called to ask them why they said inactivity this is going to effect my credit score and ruin my credit history this is not my fault i have asked them multiple time for a card to use this is fraud they ran my credit to get the card now it shows closed and will effect my credit again and also drop my overall credit limit how can this be legal
Product: Credit reporting

For a while now, I have file several disputes with Equifax about XXXX XXXX inaccurate account balance and still no change. The results were, the account belong to me, when I 've never said it did n't, and/or the balance of this item has been updated but the balance amount was never changed, it reflects was the same amount, which makes me believe that there was never an investigation completed. 

I 've even sent a copy of my dispute filed with CFPB to Equifax, along with XXXX XXXX response to suspend collections and the account still have not been removed fro my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a Bankruptcy Court S.C. Docket # XXXX XX/XX/2021 on my TransUnion consumer credit report FOR INDENTITY THEFT. I have sent in documents including letter from the courts, police report and ftc report please pay attention to police report page 3 it states that account signatures don't belong to me when investigated.
Product: Debt collection

To whom it may concern.. My name is XXXX. I am a natural person and proud American Consumer. I thank the CFPB for being the only Federal Bureau that fights for consumer rights. Im writing this complaint because Portfolio Recovery Associates is violating my right to privacy and harming my family by negatively reporting inaccurate information on my consumer reports violating the Consumer Federal Protections Act, 12 U.S. Code 5531 - Prohibiting unfair, deceptive, or abusive acts or practices, and many more violations hindering my estate from obtaining goods for personal, family, and household services. 

God gave us all this land and rights to it, and Portfolio Recovery Associates can not violate Gods law or Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was notified XX/XX/2020 that the date of birth on their credit report was inaccurate. I have sent in all supporting documents and the issue remains. I now want Equifax to disclose who/ where supplied this information? As I can not get it corrected with a drivers license, passport, SS card, utility bill etc. I want to know who managed to change this with equifax? They are by law to disclose where/ who is the defining source of this information. I have requested this several times. I sent a copy of the equifax report, ( attached to this message ), circled the error so there can be no mistake as to my question on inaccurate information. To date equifax has refused to answer this. They do ask for a 5th time a copy of my drivers license. Sent via certified mail 3 times. 

This complaint is solely on who supplied the inaccurate information that equifax is believing. Show me their proof as someone had to go to extreme lengths to do this ... .as I can not, and I am legitimate. So disclose the source of this information. Who is reporting this? What documents does equifax have that changed my date of birth after 60 years.
Product: Mortgage

On XX/XX/2023, Penny Mac replied via mail, expressing they do not honor presentments and endorsements to discharge this mortgage debt. Instead they sent me two huge packages for a loan modification. I am clearly attempting to work with PennyMac in Good Faith, to setoff the debt, as PAID IN FULL, yet continue to be declined. 

Verbatim : In fact, your views are not recognized by any court of law or administrative tribunal within the United States. You are further reminded that your obligations under the terms of this duly executed Note and Security Deed are binding, valid and fully enforceable at law. 
Pennymac must respectfully decline the documents that you enclosed with your correspondence. 

Yet failed to return my presentation ( registered security ). Kindly return my presentation. 

Might I add. 
HJR-192 superseded Public Law ( what passes as law today is only " color of law ), replacing it with public policy. This eliminated the ability to PAY ( we the people ) our debts, allowing only for their DISCHARGE. When we use any commercial paper ( checks, drafts, warrants, federal reserve notes, etc. ), and accept it as money, we simply pass the unpaid debt attached to the paper on to others, by way of our purchases and transactions. This unpaid debt, under public policy, now carries a public liability for its collection. In other words, all debt is now public. 

By continuing to decline, I am expressing a conditional offer. Please see attachments. 

I would appreciate this matter being handled in a speedy manner, within the next ten business days, as I have been harassed weeks prior, regarding foreclosure proceedings etc, which are plenty civil penalties surrounding those efforts. I remain in GOOD FAITH to serve the public debt the lawful and correct way. 

I have taken many precautions to protect my rights as a consumer, such as filing XXXX with the state of XXXX, and want to work together to help service the countries negative deficit. 

Please adhere to my requests. Thanks in Great Faith XXXX : XXXX XXXX XXXX XXXX