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

I received XXXX emails from Venmo on XX/XX/2023 that stated a total of {$79.00} was being disputed by the sender because they did not mean to send the money. However, I was in front of the individual while they sent me the money on Venmo to pay for their food. The Dispute ID from Venmo is : XXXX for {$50.00} transaction date of XX/XX/2023. The second Dispute ID from Venmo is : XXXX transaction date XX/XX/2023. Venmo claimed that they disputed this chargeback with the bank because " This transaction was not marked as eligible for Purchase Protection. I told Venmo that the sender called me personally and told me that he had overdrafted his checking account and told his bank these were fraud charges so he could receive the money back from Venmo. Now on XX/XX/2023 Venmo emailed me and said that the financial institution decided in the sender 's favor and there is nothing Venmo can do. My account balance is now negative {$79.00} on Venmo.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX
Product: Credit card or prepaid card

I was 750 miles from home when Bank of America, my credit card company, called my home and stated my credit card will be blocked, because of unusual activity. I was given a number to call. My flat mate called me and gave me the message and number. I was on the freeway in Southern California. I pulled off the freeway and called. I explained that I was traveling. I was transferred to another person. She told me that she would text me a code. I asked if we got disconnected what would happen. She told me she would call me back. I did get disconnected. She never called back. I was on the way to a business meeting. Sitting on the freeway trying to resolve this for 1 hour caused me to miss my meeting. No one was able to resolve the problem. I spoke to 7 different people. Bank of America is my only credit card. How was I supposed to get home with out a credit card to buy fuel, rent a room and meals if it was blocked. I did not get a positive resolution until 36 hours later. I missed my meeting, did not have a hotel room or meals. As it turned out it was a maybe block Bank of America put me through unnecessary stress, cause me {$600.00} in travel expense for nothing. I told everyone I spoke to I was on a business trip. 
All they needed was to ask me for my code words.
Product: Credit reporting or other personal consumer reports

Recently I pulled my credit report and found two ( 2 ) items on there to be inaccurate.According to fair credit Reporting Act, section 611 ( 5 ) ( A ) and Under 15 U.S code 1666B, Any billing errors, inaccurate information, and incorrect information must be completely deleted of which can not be verified by FCRA. 
The names of the Accounts as follows : XXXX XXXX and XXXX XXXX. XXXX said I was 30days late, of which is inaccurate information, i didnt get any bill from them telling me I owing such and such .Tt also my understanding that the FCRA15 U.S.C 16811 , say that every single one, even each any or all of the unproven, Non - compliance, untrue, Errors, incorrect aspect of any alleged derogatory account, must be completely deleted, or otherwise, NOT proven, untimely, incorrect not my responsibility.and I sk them to furnish me documents and proof that the alleged late payment, and they didnt do any investigation.and I told if unable to provide me, they should update my account to never late .there was no 14 days notice of late payment latters sent to out to me buy both companies on the accounts.
Product: Money transfer, virtual currency, or money service

Multiple unauthorized transactions and fraudulent activity on my account in and throughout 2024. On all transactions, I requested that it be looked into and refunds made readily available. My claims were dismissed, and no refunds were given.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a test CFPB to prove XXXX XXXX XXXX XXXX ) XXXX XXXX does not read complaints and automatically lists my request/ complaint as a duplicate. CFPB is a game for XXXX and Experian. I have requested the permissible permission to have accessed my credit report by XXXX and Experian. Both companies dodge, pass the buck, and play word games like their children. Today my request is simple - For XXXX - Please explain why you haven't sent the permissible permission to have accessed my credit report in XX/XX/2017. For this time I am not requesting copy of the permissible permission but just an answer why they refuse. Am I missing something? For Experian- Please explain why you haven't sent the permissible permission to have accessed my credit report in XX/XX/2017 and why you feel you are justified in passing the buck to XXXX who then ignores and refuses? Am I missing something?
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}, {$0.00}, {$440.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account.
Product: Debt collection

Report Number : XXXX on XXXX File Account Name : AMERICAN ADJUSTMENT BUREAU Account Number : XXXX Date Opened : XX/XX/XXXX Balance Updated : XX/XX/XXXX They have been trying to collect this debt since XX/XX/XXXX and I have no association with that company, it could be Identity theft or false information. They keep on updating the collection on file and it even comes up as a late payment account. I have tried many months to solve this issue, asked for proof, they sent documents trying to prove and it came up with my information but I have never provided my information over to this company. 
I would like this to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was place into forbearance last year. I was at the time 30 days late. 
Every month XXXX reported loan as 30 days late, for that month. Lower credit score monthly. I reach out to pennymac ask how to update loan, I received a email extra paining the following. 
That per the cares act when the late payment is as paid XX/XX/XXXX payment the loan would be reporting would be up dated to current in forbearance. 
XX/XX/XXXX received email Made payment and it was posted to account XX/XX/XXXX. 
The supervisor informed me that although the loan was not longer 30 days past due That the loan would still be reported as 30 days late in forbearance. 
I need help my credit score has be reduce to poor.
Product: Credit reporting or other personal consumer reports

Letter sent XX/XX/year> for no permissible purpose for the below FLAGSHIP CRE XX/XX/year> XXXX The company has not gotten my direct verbal or written permission to report to a non affiliated third party. I sent them a letter requesting info and they did not provide the info i was asking for
Product: Money transfer, virtual currency, or money service

My phone was stolen and when I got it back I went to log into my account at crypto.com and it said my account had been terminated due to breach of contract but yet I have not done anything at all and turns out there is not even a single person to speak to about it they keep transferring me to Visa and Visa keeps transferring me back to them they just closed my account and took my {$1500.00} and now they are saying that they didnt take it theyre just closing my account and theres no way for me to get my money back I asked for proof of whatever I did for them to cancel my account and they said that they do not need to show me that I am a XXXX  XXXX XXXX  with XXXX  XXXX XXXX XXXX and that is my rent money please help me
Product: Credit card or prepaid card

XXXX submitted a fraudulent charge to a apple MasterCard from Goldman. Goldman was to apply a credit during the dispute but never did so. Now my credit score has been affected by this charge and it is further affecting my ability to get loans for a business. 

XXXX must make amends for posting a fraudulent charge. They have since posted a credit but Goldman 's is holding it in their backend system because YOU give them the right to hold it for five days. 

Goldman 's must apply a true credit to my account while the credit from uhaul is gathering interest in one of their accounts. Lol. I wish this were funny but this is an example of how federal regulations hurt the consumer. If credits were to be posted immediately this would not be an issue. The dispute process on the Apple Card is broken and their interface to communicate what they are doing is inadequate. Chat is great for catching up with friends but does not work for banking.
Product: Checking or savings account

Direct Express has been illegally charging me ATM fees, as well as allowing purchases I never approved. Then they suggest I buy a new debit card for {$15.00}. My other financial institutions do not charge for debit cards, for perspective. They also have refused to give me my remaining balance after closing my account due to their fraudulent practices.
Product: Credit reporting or other personal consumer reports

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated 5-day timeframe. I want to make it unequivocally clear that I am not about to let this gross miscarriage of justice stand. If you persist in denying my rightful claim, be prepared to face the consequences. I will not hesitate to engage my attorney and pursue a legal remedy to rectify this outrageous situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts immediately.
Product: Mortgage

In XXXX we received a notice from our county treasurer that our second half taxes had not been paid in the amount of {$3600.00}. Taxes are paid twice a year by our mortgage company, XXXX, through our escrow account. We notified XXXX, they recognized the issue and paid our taxes as well as the interest and penalty assessment. In XX/XX/XXXX, we received our escrow statement indicating that there was a negative balance. Upon review, of their document, it clearly indicated that they had disbursed funds from the escrow account twice for the amount of the tax due. After numerous phone calls over many months, XXXX finally recognized the error and added the funds back to our escrow account. We received a letter informing us of this on XX/XX/XXXX. 
Our loan was purchased by NewRez, in XXXX of XXXX. Our initial payment statement from NewRez showed a delinquent amount of {$3600.00}. We have repeatedly tried to get resolution of the matter with NewRez. NewRez has told us that it is a problem with XXXX and that we need to work it out with them. 
Upon contacting, XXXX, we have found them to be unresponsive, although we have made repeated attempts over 5 months. However, we did receive a document ( enclosed XXXX indicating the disbursement of the taxes twice in XXXX, that the funds were advanced back to escrow XX/XX/XXXX, but a fee was assessed of {$3600.00} that they are unable to waive. 
We are attaching 2 copies of escrow statements from XXXX, one from XX/XX/XXXX, and one from XX/XX/XXXX, that appear to differ as well. Also, attached is our mortgage statement showing this item as delinquent and default related charges. Enclosed are documents to support the commentary above. Additional documents are available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2 This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3 This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
Account Number : XXXX Please remove it from my credit report. 

5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

Im filing a complaint with the CFPB regarding capital one XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has voted technical issues for several days which violates the Electronic Funds ACT EFTA as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, XXXX and Equifax ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back. 
According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance to paragraph ( 5 ), begore the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do have an Extended Fraud Alert and my phone number is listed there twice. XXXX XXXX decided to damage my credit by placing a hard inquire that I never authorized. They claim it was as easy as someone called with my information and applied for credit. I do have an excellent credit score, but the criminal who called with my information did not get approved. That means XXXX XXXX already knew he is a fraudster. 
I called XXXX XXXX and spoke to several people for about an hour to verify my identity. Even after giving them personal information that they already have they demanded more information which is something they established they are not worthy of keeping.
Product: Credit card or prepaid card

Purchased a XXXX XXXX with Chase Sapphire Reserve Card because of the advertised 10x the points per dollar promotion and only received 1x the points per dollar. 

XXXXXXXX XXXX XXXX XXXX I decided to purchase a XXXX XXXX and began researching payment options and promotions. On XX/XX/2023 I obtained pre-approval for a no-interest loan through XXXX via the XXXX website for {$7000.00}. On XX/XX/2023, I went to the XXXX website and they were advertising a promotion between XXXX and Chase that between " now and XX/XX/2023 '' Chase would provide 10x the points per dollar on the purchase of the XXXX XXXX if purchased directly through the XXXX website. I opted to forgo using the no interest loan and placed an order for the XXXX on through the XXXX website using my Chase Sapphire Reserve. On XX/XX/2023 the purchase posted to my Chase Sapphire Reserve account for {$3800.00}, meaning I should have received XXXX points for the purchase. I received XXXX points. 

I contacted Chase on XX/XX/2023, and was advised that my purchase qualified for the promotion but it would take 6-8 weeks to post. 

After the points failed to post, I contacted Chase again on XX/XX/2023, and was again advised that the purchase qualified but the rep did not know why I had not received the credit and they would escalate the issue and respond within a week. 

After receiving no response, I contacted Chase on XX/XX/2023, and was told that the system showed that the issue had been escalated but the rep did not know why I had not received a response and that he would escalate it again for follow up. 

On XX/XX/2023, I received a letter from Chase advising that my purchase did not qualify for the promotion because my purchase posted on XX/XX/2023 and the promotion ( at this time ) was listed as starting on XX/XX/2023. 

I contacted Chase on XX/XX/2023 by phone and advised that the promotion was advertised as being in effect on the date I made my order and I would not have used my Chase Sapphire Reserve and forgone a no-interest loan but for the advertised 10x points promotion. I was told that even though XXXX had advertised the promotion prematurely and represented it as being in effect at the time of my order, Chase would not honor the promotion.
Product: Credit card

I received a new credit card in the mail two days ago from chase for the replacement of the latest card sent just a few weeks ago, card ending XXXX which I did activate. This new card sent was charged against my account for auto payment, and I Haven't activated it yet. So My complaint IS what theXXXX XXXX XXXX XXXX is chase doing, and were are the clearing the auto payment funds that has not been consented on a inactivated card. Also I'm still waiting for resolutions regarding my first claim submitted. There was no need for a second credit to be sent to me before answering my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF EDXXXX ACCT XXXX XXXX DEPT OF EDXXXX ACCT # XXXX DEPT OF EDXXXX ACCT # XXXX XXXXXXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX 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. Convergent Account # 1234 has violated my rights.

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: Checking or savings account

We opened this account because it was not suppose to have overdraft option after having another account. If an item tried to post and the funds were low, PNC was suppose to reject the payment. However, over the years, they have apparently changed our account and now we are being charge overdraft fees AND some " continuous overdraft fee ''. We have spoken to PNC many times regarding this issue to no avail. We NEVER agreed to these charges and was told they would not happen. That has not been the case since having the account. We would like to see PNC refund or delete all charges.
Product: Debt collection

I was called by Fair Collections & Outsourcing , Inc. ( " FCO '' ) on behalf of my co-worker who might have outstanding debt. I was called by the following numbers on the following dates on my personal cell phone : X/XX/17 : XXXX EST by XXXX XXXX/XXXX/XXXX : XXXX EST by XXXX On each of the aforementioned calls, I requested that this company stop contacting me as they had the wrong party. The individuals calling from FCO were asking to speak with my co-worker 's name ( skip tracing ). I informed both of these callers that they had the wrong number and to please stop calling me. I would like this harassment to stop.
Product: Checking or savings account

In 2022 wells Fargo told me that they will close my account because of withdrawals and my account went into overdraft the account is now closed and I'm left to pay overdraft fees interest and charges because I deposited and withDrew incoming deposits. Please help