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

On XX/XX/year> I was sent some money in Venmo. {$110.00} was in my account. When I went to cash out it would not let me cash out to my bank card. The same bank card I have been using to add money to my Venmo wallet. Legally under my name. I then got an email that my account was frozen for verification. My venmo account was verified with state photo ID since I opened the account. All legally under my name. Ive only had my account a week and they froze my acct supposedly for account verification. I sent my ID and the picture of my bank card that I was transferring to ( with only showing the last 4 numbers ) that shows my name on the card and it matches the name on the account as well as my ID. They have not gotten back to me with any response and the customer service is horrible. They are telling me I have to resolve through email. Now my money is just sitting in an account that I cant access. There are thousands of XXXX complaints from this company detailing the same story. They are freezing consumer accounts for no reason. If the account has been verified there is no reason why my account should be frozen for verification of identity. They know who I am they have the documents.
Product: Checking or savings account

Between the dates of XX/XX/2022 and XXXX XXXX I noticed my account was going into overdraft Even though My account Showed I had the funds I contacted Customer service And they told me I had a lot of pending charges To my account And I should wait for them to settle before making purchases and that is what caused my account to overdraw but if I didn't have the money it should have not went through was my response.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE UNLAWFUL, HARMFUL, AND FRAUDULENT INFORMATION FROM THIS THIRD PARTY CREDIT REPORT. IT IS FRAUDULENT AND NEEDS TO BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did notapply for these accounts. please see attached ftc report
Product: Credit card or prepaid card

I made a purchase with Children 's Place in the amount of {$170.00}. Over the next few months, I was charged over {$180.00} in late fees in addition to this amount. Even though I was paying through my bank monthly, my payments were barely covering the late charges every month, and my balance never changed. I called to complain and even after that, I continued to receive late charges. In the end, I paid what I thought was a final {$11.00} and was charged an additional {$57.00} in fees. Below is a timeline of these fees. 

Late Fee on XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$30.00}. 
Late Fee XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$35.00} Late Fee on XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$30.00} Late Fee on XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$30.00} Late Fee on XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$40.00} Late Fee on XX/XX/XXXX for {$11.00} Paid the late fee on XX/XX/XXXX for {$11.00} - all my statement showed online. I had gotten no statement! 
Late Fee on XX/XX/XXXX for {$13.00} - again no statement XX/XX/XXXX another late fee for {$27.00} - no statement or knowledge Threatened for {$57.00} - no knowledge or bill! I did not know this was there. Paid in full. Reported to the credit bureau. 

I have not gotten a statement in months! 

I have not gotten a statement since XXXX of this year. So, I had just set up an automatic bill payment through my bank two weeks before the due date to ensure I received no more late fees. I did this for three months out to try and pay the balance off. But the bills stopped coming. But then suddenly out of nowhere, I started to get threatening phone calls over one weekend with no warning. No messages left. Just a text message finally this past Sunday to say that I had a bill due and that they could not get in touch with me. I didn't know that I still had a balance. 

This company lives off of interest and late fees. I can not believe that I ever did business with them. I will never shop at a Children 's Place ever because of how much they milked out of me. I tried to talk to them about it, but they would not work with me. I explained that I had a bill pay set up to automatically pay them based on my statements. I don't know why it took so long to process. But, I pay all of my bills through this same bill pay through my bank. NOT ONE company has done this to me except this one. My auto loan and every bill I have goes through this same system with not one problem. I have closed my account, but I feel like I should be refunded for some of these late fees. Especially the last ones. Where did the random {$11.00} and {$13.00} come from? The late fees were always {$27.00}. And those are odd numbers. And where did that {$57.00} bill come from? The numbers don't add up!
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been compromised and someone is attempting to apply for credit using my information. 

I have reported this to all three credit bureau 's but a fair resolution has not been provided.
Product: Debt collection

On XX/XX/XXXX I received a call from National Check Resolution. The voicemail said that NCR was forwarded my account information from XXXX. They falsely stated that XXXX had a lien against me personally and against my company. I received another voicemail from NCR on XX/XX/XXXX, this time they threatened that they were going to begin an asset investigation on both me personally and my business for a debt owed to XXXX XXXX. As of XX/XX/XXXX I have not received any formal letter from NCR to validate this debt and they have not allowed me the opportunity to dispute this debt. Prior to these events, I had already sent two formal dispute letters to XXXX by certified mail informing them that this account was opened fraudulently as a result of identity theft. The first letter was sent on XX/XX/XXXX and XXXX received this letter on XX/XX/XXXX. The second letter was sent on XX/XX/XXXX and XXXX received this letter on XX/XX/XXXX. I did not receive a response to either letter. XXXX was provided A copy of my Identity Theft Report, A copy of my Lost/Stolen Confirmation Notice For My Business Account, and a copy of the FTC Notice to Furnishers of Information specifically calling out their responsibility to cease providing the inaccurate information to any nationwide credit reporting agency and ensuring that they do not attempt to sell or transfer the fraudulent debts to another party for collection. They violated my rights by selling this debt to NCR. In both letters I asked XXXX to please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining their findings and actions. Nothing was done on either occasion.
Product: Credit reporting or other personal consumer reports

In proper use of my information per Privacy act 5UCS Capitol One Acct # ending in XXXX {$3800.00} Acct # ending in XXXX {$3400.00}
Product: Payday loan, title loan, or personal loan

XXXX XX/XX/XXXX : I phoned M & T Banks credit dept. @ XXXX to enquire about a pre-approved offer for a personal, unsecured loan. In the course of our nearly XXXX conversation, XXXX ( XXXX XXXX ) neglected to communicate that an application for this service would automatically be denied in the absence of any residual income and/or employment. When he asked if I were employed, I told him that I was NOT. XXXX proceeded with the loan application survey anyhow. I offered up my vehicle and IRAs as collateral, and thought of every imaginable asset I have ( e.g. an antique chandelier ). At the end of the call, XXXX rambled off a series of terms and disclosures, which I could not possibly understand. I indicated as much. While I dont exactly recall if or what his answer was, I do know that I affirmed whatever information I provided XXXX XXXX for the financial inventory, was accurate and true to the best of my knowledge. That being said, I did not explicitly give my consent to the release of personal information, nor pulling my credit history ( file ). 
XXXX XX/XX/XXXX : I initially contacted M & T Bank @ XXXX to check on my applications status. XXXX ( XXXX XXXX ) told me it was awaiting income verification, and I reiterated that I wasnt employed. I asked if I could change the amount of credit requested, thinking that a lower figure would increase my chances of approval, but XXXX informed me that my loan application would automatically be denied without employment and/or residual income. I then asked to speak w/her supervisor, and was eventually put in touch wXXXX ( NMLS XXXX XXXX. XXXX said she needed time to review my phone call wXXXX, and told me she would get back to me by 5 that afternoon. After hearing nothing by 5, I phoned XXXX to see what she found out. XXXX deferred an answer to later that evening, or @ latest the following day. She committed to escalating the matter to management for further review, and said XXXX XXXX would take over. I asked XXXX why the delay in a decision. She said it was up to XXXX/management to determine whether or not to remove the hard enquiry incurred from my credit file/report. 
XXXX XX/XX/XXXX : I called XXXX back @ XXXX, after missing her early this afternoon, only to be told that request for removal of the enquiry had been denied.
Product: Checking or savings account

I filed two complaints one because my ATM card came up missing my cell phone someone change my pen access my money my ATM this bank is lying theyve already sent me a letter saying theyre not giving me the money back that they did research and determined that somehow while I was in the XXXX that it was me that did this over an hour and a half away from my home in a city that I dont regularly go to you I did drive there to figure out where it was at and how far it was from my home but once again furthermore proves this bank is crooked openly lied to you guys and said theyre still working on the keys when they sent me a letter over two weeks ago stating the case was closed and I wouldnt be receiving any funds back from them Im currently going through evictions because the money came up missing and I was unable to repay it this bank does not care about its customers theyre greedy disgusting and morally reprehensible I cant believe they openly just lie to you guys as well ask them for dates in the letters that they sent me so they can prove that theyre liars I received a letter the last week of the XXXX stating they werent going to help me and now theyre lying you guys stating 45 more days that will put it over 60 calendar days almost 180 disgusting practices I just want my money back I want my money for opening my account and starting Direct deposit They need to be held accountable and be made to follow through with their promises that look for loopholes to XXXX over customers
Product: Credit reporting or other personal consumer reports

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

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed has violated my rights. 

XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX 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
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
Account name : XXXX XXXX XXXX XXXX  XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Dispute Authorization and Multiple Violations of Fair Credit Reporting Act I '' hereby authorize this dispute. It is important to note that this dispute was not sent by an unauthorized third party or credit clinic, '' I am writing to address the ongoing violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letter. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts when in reality, these were the result of a scammer 's actions. This misleading and unverified reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its fairness requirements. FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite my previous dispute, you have failed to verify the accuracy of the credit information you have accepted, thereby demonstrating willful noncompliance. This non-compliance is subject to civil liability of up to {$1000.00} per violation. FCRA Section 605B - Aggravated Identity Theft : Your continued sharing of my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. I remind you that this offense carries a penalty of up to XXXX  years of imprisonment. FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights. FORA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Despite my previous dispute, you persist in furnishing inaccurate inquiries and accounts without proper validation, which potentially violates Generally Accepted Accounting Principles ( GAAP ). Reporting such deceptive information is unacceptable In addition to the aforementioned violations, I remind you of the previous violations outlined in my initial dispute letter, including the violation of the Debt Collection Practices Act, Identity Theft Laws, Acquiring Location Information Regulations, Timely Payments Regulations, Finance Charge Determination, and Credit Report Permissible Purposes. These violations require your immediate attention and resolution. Once again, I demand that you take immediate action to address these violations and fulfill the following requests : Unauthorized Inquiry : Equifax Date of inquiry : XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Date of inquiry : Request : DELETE!!!
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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

Hi, I was recently applying for an apartment and signed up for XXXX to check my credit report. I noticed my credit was extremely low and the reason was an impact to my credit by a credit inquiry. I opened the file and it showed a company XXXX XXXX XXXX XXXX I asked myself what the XXXX is this? So, I looked it up. It says it is an online bank, I dont have any online bank accounts. So I decided to file a dispute with Equifax and then call the company reporting this XXXX  which informed me that they did not have a file with me and this May be a fraudulent account. The address that was used was an address I lived in XXXX and the XXXX  XXXX my husband informed me it was the same bank the two tenants from the basement used to pay the utility bills. We actually moved out of this place because they were stealing our mail. But now I now where one of my W2s that was mailed to me went. The tenants name is XXXX XXXX XXXX, and XXXX XXXX XXXX. I am going to now file a police report and have to fax all of this information to the credit company. Please report these people and the company.
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX XXXX Account name : XXXX # XXXX XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX 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: Credit card or prepaid card

On XX/XX/XXXX I noticed that {$200.00} was taken from my personal savings account. I called Bank of America customer service number right away and asked what it was for. Eventually I was told that it was a offset payment taken for my business credit card that was in default. It was closed as was my business checking account because I have not made money with that business to date. After a few transfers I spoke with someone about setting up a payment plan and had to see if I qualify to make under {$50.00} per month payments. She took my information and said I qualified for {$48.00} per month and that I needed to make my first payment within 30 days or the payment plan would be denied. I asked her about the {$200.00} money they took from my savings account and she said that normally they don't refund an offset but considering it was my rent money, she would escalate it up to a supervisor. I waited till Saturday XX/XX/XXXX and called because I didn't hear anything about whether the money would be returned or not and the money was not back in my savings account. The lady that I spoke with said she had in the system that I would be getting the money deposited in my account on Saturday. I said ok, today is Saturday! She said yes, give it to the end of the day. I did and still no {$200.00} was returned to my savings account. It was not returned on Sunday XX/XX/XXXX, Monday XX/XX/XXXX and on Tuesday XX/XX/XXXX it still was not in my savings account. I called the BOA customer service number and asked to speak with someone in the Business credit card offset department. After I got transferred 1 or 2 times, the lady said that she did not see where I had made any payment plans. I told her when I called on XX/XX/XXXX that I made the payment plan for {$48.00} per month and I would like to speak to her supervisor ; she transferred me again. This time I spoke with XXXX XXXX. I told him everything again and he said they do not return offset money pulls. I said that's not what I was told when I called in on Saturday. He also said that I was told the {$200.00} was a down payment for the payment program I was entered into. I was never told that it was a down payment. I was told the issue, my request, would be escalated to a supervisor for approval since that was not a decision she could make. Also told him about the Saturday conversation but he kept saying no they will not return it. I asked to speak to his supervisor and he said it will be 24-48 hours and what was my phone number. I gave it to him and asked for all my " recorded '' messages to be sent to the supervisor too so they could hear the real conversation and not the falsely written notes from previous conversations. XXXX XXXX called me back about an hour later. I told him everything again too. He said that it is in the Terms and Conditions when I signed up and I asked him to email it to me and he said that I could look it up from when they emailed it to me. He said that in Texas they have the right to offset. Taking money from my personal savings account to make a business credit card payment does not seem right. Please advise!