23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I sent 2 transfer forms along with a letter of instruction to XXXX ( will be the receiving bank ) to send to Synchrony ( the bank to transfer the funds ) so that this would not happened. One account was handle okay and the second, MMA Roth IRA ending in XXXX was not handled according to the document. It clearly states the amount to be transferred, and the letter clearly states not to close the account. 
I received 2 emails one telling the the account was closed ( so where is the balance? ) and shortly after another telling me the account is active ( so where is the balance? ). I logged in to find that they transferred the entire balance, which is not what is stated on the transfer form.

This is the second time that this has happened and the 4th error they have made. I called to get it corrected and was told no one was available ( the usual ) and no one could call me back shortly. The last bout took 2 months to clear up. 
Attached are the emails I received the email I sent to them securely the transfer form and my account showing that they took the wrong amount and closed the account. 
If this didn't happen to me I would not beleive that they could make this error again.
Product: Vehicle loan or lease

Chrysler Capital auctioned off the vehicle in XX/XX/2020. They basically want me to pay the full amount for the repossession. The car was for {$16000.00}. After the car been auctioned off, they said the remaining balance I would pay would be {$11000.00} for a XXXX XXXX so that mean they only sold the vehicle for {$5000.00}. I would like my settlement payment to be lesser.
Product: Money transfer, virtual currency, or money service

since XXXX  months venmo customer support is fooling me around and not giving me access to my funds.they keep sending me copy paste messages that I should reply to any email that I have no longer in my inbox because I deleted it by accident! they refuse to help me add my bank account in order to withdraw my funds! its a criminal organization! they do everything so people cant access their funds! 
I dont understand why they cant just reply to my multiple support requests! 
they refuse to offer any support and keep sending me copy paste! 

Hello XXXX, XXXX here from Venmo support -- I hope this email finds you well! 

I can see that your concern is being handled by our XXXX  XXXX XXXX  through case number XXXX. 

In order to make this a smooth process, please only respond to your original email chain ( XXXX ) with following information needed and any additional questions or concerns that you may have regarding this matter. 

You can use that number to search your email for their communication. Please maintain communication only within that same email chain with anything in regard to this case. This will ensure the correct team can address your questions. 

Any new emails will create new tickets that only go to XXXX XXXX, which may delay the resolution. 

We appreciate your patience as we work through this. If you need anything else, kindly get in touch with us again. A blessed day is ahead of you! 

Best, XXXX XXXX | Venmo Support
Product: Checking or savings account

I am Banking thru Juno, but my money is stored with XXXX XXXX and my money has been frozen for months and still have not received any info on when the money will be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Transunion for a XXXX XXXX Card account regarding a late payment in mid XXXX. The late payment they are reporting is from XXXX of XXXXThe investigation was concluded on XX/XX/XXXX of XXXX. Upon completion the balance reported was changed to the balance of the previous month which was higher. The result of this was my Transunion mortgage score 4 decreasing. The higher and incorrect balance reported of {$50.00} is incorrect and has damaged my process in my dream of buying a home.
Product: Vehicle loan or lease

Ok so I got into a wreck on XXXX XXXX on XX/XX/XXXX I called global lending and advised them it was totaled out and I'm sure someone will be getting ahold of them soon over it so they had me fill out a total claims loss so I did and the car sat her in my driveway since well every time I found out something I called them and let them know as well they were okay with this process up until idk when but I woke up one morning and the car was gone out of driveway and loan and behold they canceled out my total loss claims and took the car filed it as a repo and called me to try and get me to buy it back from them so I can have it for the lawsuit its tied up in a lawsuit as we speak and they filed it as behind on payments since it was wrecked which is wrong they tried to force getting paid on it and screwed my whole score up
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX  Myself and family where dealing with XXXX related emergencies and were unable to pay our mortgage on time. Before and after those dates we have not been late. I explained to the Credit Bureaus the situation and pleaded for some grace on those 4 consecutive months. The late payment is really hurting my credit and preventing me from getting a loan my family really needs. Please any help would be great. Thank you
Product: Credit reporting or other personal consumer reports

Transunion is currently reporting an inaccurate account XXXX XXXX XXXX with a charged off status on my credit report with a balance o {$7300.00} and high balance of XXXX. 
In accordance with the provisions of USC 1681 ( e ) and USC 1681 ( i ) This is a violation of my rights as a consumer and this must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS CONSUMER REPORTING agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, and I was not notified in the time frame. As the original creditor, only I can validate this debt. I DO NOT VALIDATE this debt. PLEASE DELETE IMMEDIATELY!! Unverified/Fraudulent Account XXXX XXXX XXXX Unverified/Fraudulent Account INVALID INQURIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion INVALID ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX XXXX XXXX XXXX XXXX , WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian Continues to violate the Fair Credit Reporting Act 15 USC 1681c which states no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.The Collection account : XXXX has not been removed after multiple disputes. Due to the violation of the Fair Credit Reporting Act, Experian is subject to 15 USC 1681n Civil Liability for willfull noncompliance ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information, shows account as revolving, it is not.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving a serious issue related to identity theft and inaccuracies on my credit reports with XXXX, Equifax, and XXXX. 

On XX/XX/2024 I filed a report with the Federal Trade Commission ( FTC ) regarding fraudulent inquiries, incorrect addresses, and my name being reported incorrectly on my credit reports. I am a victim of both identity theft and a data breach, and inXX/XX/2024 I uploaded a police report to each of the credit bureaus to verify my situation.

On XX/XX/2024, I also mailed certified letters to the credit bureaus to further address this issue. Included with my FTC report were supporting documents such as my driver 's license, a utility bill, and a bank statement, all of which provide my correct and current information. Despite these efforts, XXXX, Equifax, and XXXX have failed to remove the inaccurate information, which has severely impacted my credit. This ongoing issue has made it difficult for me to access credit, as creditors are unable to verify my identity due to the conflicting information on my reports. 

I am seeking your intervention to ensure that XXXX, Equifax, and XXXX take immediate action to correct these inaccuracies and restore my credit standing. The continued presence of this erroneous information is causing significant harm to my financial stability. 

I appreciate your attention to this matter and look forward to your prompt response.
Product: Credit card

I made a on line purchase on a gaming website called XXXX you buy video games. How ever I purchased a game as a gift for my nephew called XXXX. due to the game being new his laptop did n't meet the requirements. This purchase was made on XX/XX/XXXX. So I went in on my account and requested a refund, which the web site stated I had 14 days to do so. I requested this refund on the 10th day. I let a eek go buy waiting for my refund and I did n't hear anything, I called my bank which I have my jobs direct deposit going into. I 've been with American Express bank since XX/XX/XXXX. I do n't get any help with regards t refunds with this account. this has happened to me several times. The replied to me by email requesting documentation on this transition. I sent them email screen shots of the purchase and ell as a screen shot of the refund request I had to request twice from them. the have denied my claim 3 times and I do n't feel I 'm getting the right judgement. I am going to close this account down due to the fact that I do n't get any help from the dispute department. We never got to play the game and I requested my money back in time so I do n't understand why I ca n't get my refund.
Product: Credit card

Discover Card, They closed the account and I am paying on the balance but they keep charging the same interest and adding on fees. Plus, they keep marking this late and making my credit worse and the balance never goes down.
Product: Credit reporting or other personal consumer reports

Credit acceptance corporation XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ca XXXX XXXX # XXXX 15 U.S. Code 1692c Debt collectors can't contact consumers without their consent or a court order. They also can't contact consumers at unusual times or places, or at times or places that the consumer might find inconvenient. Debt collectors are generally assumed to find it convenient to contact consumers between XXXX XXXX and XXXX XXXX local time. Debt collectors also can't contact a consumer 's attorney unless the attorney doesn't respond within a reasonable time or agrees to direct communication.
Product: Mortgage

Servicer and investor of mortgage loan # XXXX being serviced presently by Mr. Cooper has added fees beyond which borrower has any ability to pay or recollection of any reason meriting such fees. Total fees to date dating back to XX/XX/XXXX rise up to about {$3500.00} when borrower. According to Mr. Cooper default date goes to XX/XX/XXXX which means these charges were paid but are still being utilized as the total still owed under their reinstatment quote. To prevent foreclosure and attempt to remedy the issues, borrower did made a formal written request for information on XX/XX/XXXX, another on XX/XX/XXXX and a more recent one again on XX/XX/XXXX by phone requesting a complete payment history, amortization, and history of any additional fees and charges.
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate information for account XXXX. The Original Creditor stated a different balance than the balance of {$650.00} that is reporting on my credit report. XXXX XXXX XXXX  is the original creditor of this account and I have attached the statement with the balance that was sent to me. You are also reporting that XXXX is the collection agency which is not accurate. I do not have a debt with this collection agency and the balance reported does not match what was sent to me. You are also reporting inconsistent information such as the date last active and the date last reported. All are FCRA violations. Please see the attached proof and remove this account from my credit report for false reporting.
Product: Debt collection

XXXX / XXXX / XXXX  at  XXXX   XXXX  from phone numbe r   XXXX   (  XXXX  )   XXXX   XXXX    XXXX   attempted to collect a debt which I am already making payments on. The stated that they were calling on th e behalf of Army & Air Force Exchange services. This is starting up  I feel because I have in placed a formal review with  XXXX  for the negitive reporting done b y Army & Air Force Exchange Services  on  XXXX / XXXX / XXXX . It is being reported as a charge off balance unpaid account closed on  XXXX / XXXX / XXXX . I have been making payments to this company for awhile in the amount of {$170.00} plus they have received my p ast 2 ( two ) Federal tax returns. These payment are made directly through EFT to thi s company out of my  XXXX  check fro m SSN. How can this be legal for one and then to tell me that all my payments will go to interest. How can a company charge you interest on a closed, charged off account, all the while taking payments. Is this a violation of FDCPA 807.
Product: Mortgage

The loan officer XXXX XXXX NJMLS # XXXX for VanDky mortgage company was disclosing my personal financial information through phone communication with my realtor XXXX XXXX, from XXXX XXXX XXXX XXXX NJ. The information that was shared was about my income, bank account withdrawals, and child support that I receive for my child. I have recorded evidence of this exchange. As the realtor recycled back to me the exact identical information that I only disclosed with my loan officer in order to apply for a home loan. I have both complaints with mortgage company and XXXX XXXX XXXX. However, my privacy have been violated and I was taken advantage of because I am a first home buyer. I am in need of assistance in order to officially report this and seek help. Please may someone get to me in this matter. My number is XXXX. In addition, the loan officer left stranded with my lawyer and seller with no information on whether I was approved for the loan or not. This was after in retaliation to reporting to the mortgage company what was going on. I have recording evidence and can send that you email. Please can someone contact me. I appreciate it. 

Thank you XXXX XXXX
Product: Checking or savings account

When I first open the account I was getting overdraft fees the account was not updating correctly for my amount in the checking
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to find out why i my score went down i have always had excellent credit so this really up setting i worked really really hard to keep my credit in really good standing  I was looking on my credit report and saw that XXXX XXXX credit card made my score go down and i spoke to them and they assured me they would make sure that i my score would NOT BE   affected that was not the case  because i never received statement in the mail i have never been late  late and this was during a hurricane Irma i did not receive any  statement i called to inquire and said it was 30-49  day late however i never received any statement so i am disputing this Payment XXXX 2017 never received statement and the dinged my credit i was paid off in full after i received my statement but they sill affected my credit which was not fair I do not recommend cit-bank credit cards they are not reasonable or friendly and they assured me they would correct this and they never did ..
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Acts ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving mt account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Please see the attached FTC report and XXXX data breach claim and remove ALL of the unauthorized accounts and inquiries listed.
Product: Credit reporting or other personal consumer reports

I have called multiple times requesting from this company proof this is account is mine, they were not able to. Multiple times I requested proof of investigation and all they did was come back and say the account is valid. Which is completing violating the rights. They are not complying. They are completely brushing me off. They are not practicing fair play. Multiple times I requested if this account is mine can you show me if theres any credit card or debit thats with my name on thats attached to this account to make such payment. They were not able to. I request to remove this account since they can not properly verify. Still they did not.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW XXXX, DC XXXX Subject : Dispute Regarding Paid Account with TransUnion Dear CFPB Team, I am writing to bring to your attention an issue I encountered while attempting to dispute an account with TransUnion. I reached out to their dispute department regarding an account that has been paid in full, and I believe it has not been updated accordingly in my credit report. 

Despite my efforts to provide the necessary documentation proving that the loan was paid, I have not received a satisfactory resolution to my dispute. 

I kindly request your assistance in resolving this matter with TransUnion to ensure that my credit report accurately reflects the status of this account. I have attached copies of relevant documents, including payment confirmations and correspondence with TransUnion for your reference. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX [ Attachments : Payment confirmations, correspondence with TransUnion, etc. ]
Product: Mortgage

My mortsgage co. decide to create an escrow account to pay a property tax balance. Then said I hade 12 mos to pay it back resulting in a {$750.00} increase in my monthly mortgage payment. When I constested this with t he escrow dept I was able to spread the pay back period to 60 mos and only $ XXXX increase in payment. This would have been great the the payment dept has never recognized the reduction and continues to over charge me and now are attempting foreclosure.
Product: Bank account or service

Several years ago, I opened an eBanking account with Bank of America. I was told that the account did not have a monthly fee if I conducted all of my transactions on-line or by ATM. I noticed a $ 12 monthly charge on my last bank statement and I called the Bank to inquire about the charge. Bank of America told me that my account was changed because it got rid of the eBanking account. I did not receive any notice of this change or the charges. I think it is unfair that the Bank can change the type of account without providing notice of the change ; potential charges ; and time for the consumer to either switch banks or bring the account in compliance with the new account requirements.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I have contacted the consumer reporting agency known as XXXX. I have looked at my credit report and notice some inquiries on my consumer report. I have asked the credit agency to provide the method they used and the companies that have placed inquiries on my consumer report. I do not recognize them at all. I am a victim of identity theft and I have contacted the IRS about these and have filed a whistle blowing from for the IRS to investigate on XXXX so that they are audited for these inquiries and accounts that I have listed in this message. Now I would like to add this and please read carefully. Please provide who placed this inquiry, who you spoke to do do the investigation on my report, whom placed this on my consumer report. What does permissible purposes mean? 
The Fair Credit Reporting Act ( FCRA ) includes a section known as permissible purpose. It establishes the need for written consent or documentation from the consumer before a financial institution can pull the individual 's credit report. Permissible purposes of consumer reports, To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; This is a major violation by obtaining my consumer report including my personal information which is private property and if you don't have my consent, you shouldn't be using my information without my consent and my privacy should be kept confidential. If you continue to use my information and my name fraudulently I will contact the IRS to do an audit on this company. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I noticed there were negative items on my credit report that I was not aware of. At that time I started reaching out to Experian to determine what these items were and what documentation they had to put them on my credit report. 

XX/XX/2019 : Wrote to Experian to opt out of their arbitration process. No reply from agency. 

XX/XX/2019 : Wrote to Experian and asked them provide me with documentation to verify the account listed on my report in accordance with the FCRA. No reply from agency. 

XX/XX/2019 : Wrote to Experian for a second time and asked for documentation to validate the account on my credit report. I received a credit report with validated as correct on the negative items. Still no orginal documentation as requested. 

XX/XX/2019 : Wrote to Experian for third time and requested Method of Validation since the accounts were deemed valid. No reply from the agency and accounts are still listed on report.