23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/20 someone used my Venmo account ( which is linked to my XXXX XXXX Account if there are no funds in Venmo ) to make an online purchase on XXXX which I did not authorize. I immediately let them know of this transaction being fraud and I was still charged for this transaction partially with funds from Venmo and the rest from XXXX XXXX. I disputed this with XXXX XXXX and they returned the money to my XXXX XXXX account so Venmo then charged me on XX/XX/20 to fund the full transaction again. 
This is highly unethical. I am very upset that they took money from my account to fund a fraudulent purchase which I told them I did not authorize as soon as I was alerted in my email. 
I have contacted venmo multiple times by phone, chat and email and they refuse to help. They keep circling around the issue and have denied my fraud claim once already. I have asked what information they obtained in their " investigation '' that led them to deny my claim and they have not given me any information at all. Venmo is not answering my phone calls and everytime I reach a rep through email or chat all they do is ask me to verify my identity and then they do NOTHING to investigate my claim or return my money.
Product: Debt collection

Bankruptcy filed XXXX XXXX XXXX  XXXX Us Bankrutcy Court I wrote/Call a letter to the courthouse of Georgia To verify if they report Bankruptcy to credit reporting agencies and my Feedback was they do not report to Reporting Agencies. I would like to know how the credit Agencies Soecify my Bankruotcy as Accurate.they never performed a fair investigation according to 15USC1681A 15USC 1681 section 603 ( 3 ) ( E ) state the consumer report portion thereof in which information on a consumer characterized general reputation of personal characteristic or mode of living is obtain through personal interviews Infirmation should not include specific information on credit report obtain directly from the consumer or from consumer reporting agencies when such information was obtained directly from the creditor My rights was violated by given rights under US c 1681A According to USC 1681sectuon 602A stated I have a right to privacy
Product: Credit reporting or other personal consumer reports

Received letter from XXXX dated XX/XX/2019 advising Me to select courses and advising Me that, My Financial Aide Letter was received and that, I had {$350.00} in XXXX XXXX. I enrolled in XXXX  XXXX : Online class, Perspectives in History which I dropped as, I was unable to receive assistance from the Instructor. 

I did not receive any response back regarding the dropped class, not notice if payment due or the cost of the Class which was dropped. 

XXXX then place a derogatory mark on My Credit for {$960.00} which was removed and re-added with a New Date as it it were a New Occurrence and has continued to do so every time that, the item was challenged and removed. 

The item needs to again removed and the Creditor should NOT be allowed to continue to repackage the item with a New Date.
Product: Debt collection

I have been repeatedly contacted by Transworld Systems regarding an alleged debt of {$3100.00}. According to the information reported to the credit bureaus, this account was opened on XX/XX/year>2024, and placed for collection. However, I am not aware of this debt, and I have not received any clear documentation or validation from Transworld Systems that would confirm the legitimacy of this debt. I have also never given my authorization for Transworld Systems to obtain or use my personal information. 

If Transworld Systems acquired this debt from another company, it is concerning that my personal information may have been shared without my explicit consent, which may constitute a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ). Additionally, if the original creditor sold or assigned this alleged debt after charging it off and claiming it as a loss on their taxes, Transworld Systems may not have the legal right to collect it, and it raises concerns about whether the proper accounting and reporting standards have been followed.

Despite my lack of awareness of this debt and my concerns regarding its legitimacy, Transworld Systems has continued to report it to the credit bureaus, damaging my credit score and affecting my financial stability. This practice may violate the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide proper validation of the debt upon request and prohibits unfair or deceptive collection practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint
Product: Debt collection

The company is AMERICOLLECT INC for {$120.00} on XX/XX/2017. I have called and written them a letter with no help from this company.
Product: Checking or savings account

On XX/XX/2020 I called Bank of America concerning a transaction regarding a company called XXXX XXXX. The first call was made at : XXXX XXXX and lasted 15 min 44 sec. The customer service rep was not cordial or helpful concerning my situation. So, I called back to Bank of America the second time the call was made at : XXXX XXXX. I spoke with a Bank of America customer service rep out of New York. I told her that I had a transaction that was due to hit the account that day but, my account was in the negative and that there was no way that I could change the due date could she help. So, she pulled up my account and said yes, that what she could do is take two of the overdraft fees that was on the account and credit them back to the account, then that would only leave the account in the negative XXXX  and some change. Then the rep stated that the bank allows up to XXXX dollars in over draft fees on my particular account so, with the two overdraft fees posted back to the account I would be ok to have the XXXX and some change post to the account for payment to XXXX XXXX. So, with that I proceeded to call XXXX XXXX back and tell them that it was ok for them send the payment through to my bank account. So, the rep tried not once but, three times to send the payment through and it continued to decline. At that point I called back to Bank of America customer service and asked to speak to a Manager or a Supervisor. Once connected to a Supervisor, I explained the situation and that's when he informed me that what the customer service rep had told me was incorrect! He then stated that he was sorry and that he would be sure to investigate the situation, I responded by saying, " I appreciate the apology but, that's not helping my situation the payment is due today and there is no way I can change the due date. '' I told him I've already spoken with the XXXX XXXX rep and told her that they could process the payment, and now I have to call them back to tell them that the info given to me was incorrect and there would be no payment that day. After being on the phone for over an hour and thirty something minutes, the Supervisor finally said, " if they can send the payment through as a recurring payment then the amount would post to the account and we will pay it. I then called XXXX XXXX back to see if they could send the payment through as a recurring charge, the accounts rep said, that her system does not give her the option to do that. So, as a result of Bank Of America lying to me as of XX/XX/2020 XXXX XXXX was added to my XXXX  credit report and has impacted my score tremendously! I've been working really hard at trying to boost my score and now Bank of America has within one day just ruined all my efforts! I then called again Monday XX/XX/2020 and spoke with the customer service rep XXXX with Bank of America to see if I could get some help but, I just got the same response!!! Please Help
Product: Vehicle loan or lease

There are two missing payments for XX/XX/2019 and XX/XX/2019. I the interim of payments being processed, both my husband and self were victim to Fraud/Identify theft. We had almost {$6000.00} taken from our checking account. Twice we have had to switch our account information and now have to take a series of security measures. During this time we had payments that were returned, not by our fault, but do the the fraudulent activity. I contacted customer service. I went over all information with Santander Consumer services. I was told by a representative named XXXX to have my husband call back, we would be able to defer the two payments to the end of the note, while the credit is being adjusted. My credit union processed the payment on XX/XX/2019 and was paid to Santander by ACH. I called today with my husband and spoke to representative who I spoke to first, went over all information as to why account was behind. I told her multiple times what I faxed in to prove proof of payment, a police report, and letter from my credit union. I was then informed by representative that previous fax number given was incorrect. I had to re fax. She then asked why I did not make a payment on Friday and stated that I was given wrong XXXX XXXX information and that I was not going to pay again when I am trying to correct the two missing payments. She then said to me that she needed to speak with my husband and transfer to department to handle the deferred payments. Then gets on the phone with him and demands a payment. He was like I need to pay you today??? We are trying to correct the situation and fix this. She then went into almost double question my previous conversation. Then he said I heard the whole conversation between my spouse and you. That this is not what you just discussed with my wife. She then got rude and he asked her to provide him with Law Enforcement information to properly handle the matter and she would not.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

It's my understanding that FCRA 605B obliges us to expunge any erroneous accounts from my credit report. Could you please examine the documents? There seem to be inaccuracies in some listed accounts regarding reporting, with discrepancies in amounts and dates.
Product: Checking or savings account

Are used to have an account with Citibank and I closed all of my accounts with them but I still receive a charge of about {$100.00} that I owe them although I have close my account
Product: Credit reporting or other personal consumer reports

I reached out to the credit Equafix and XXXX regarding this identity theft Acct being added back to my account. I was told by an manager at XXXX that XXXX provided them with evidence that the account is mine. When I asked to be supplied with the same information I was told that the information could not be provided to me and that the account would remain on my credit profile. On Tuesday XX/XX/XXXX I was given a number by the XXXX manager to call XXXX at XXXX. I spoke with a manager there who informed me that the account was actually not mine and the information that had not matched. The manager at XXXX stated that this was a business account I am not a business owner. Mailing, Phone or email. I was told that they would reach out to the bureaus to have this information removed from my account. Yet it has been added back again today. I have been a victim of Identity theft back in XXXX. I have had an Identity alert on my account for $ years now. And all of sudden an account that is 3 years old from an business is reflecting on my account
Product: Debt collection

National Credit systems and XXXX XXXX XXXX XXXX has put unpaid on my credit report and I have no knowledge of this account. It's been 10 months and I have mailed them letters and I have tried to get in contact with them and they still refuse to answer me. I know my right and according to my attorneys and the FCRA I have the right to file a class action lawsuit against this company for reselling to other creditors and falsifying documentation. Please help me get a response from this company and please help me get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts below are listed as a Charge Off on credit reports. 

XXXX - closed XX/XX/XXXX - {$2700.00} XXXX - closed XX/XX/XXXX - {$1000.00} XXXX XXXX - closed XX/XX/XXXX - {$530.00} XXXX XXXXXXXX - closed XX/XX/XXXX - {$1700.00} XXXX  XXXX - closed XX/XX/XXXX - {$460.00} XXXX  XXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX - closed XX/XX/XXXX - {$3300.00} XXXX XXXX - closed XX/XX/XXXX - {$690.00} XXXX XXXX - closed XX/XX/XXXX - {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report XXXX My latest credit report shows Credit Technologies Inc. credit inquiry/inquiries that I did not authorize.
Product: Credit card

Discover Financial Services, through its Discover Card credit card, is taking consumers that carry a revolving debt to the cleaners. When a consumer is granted a lower interest rate, that rate does not apply to the current balance but only to future balances. Then to further insure that they continue to pick the pockets of the consumer in the form of interest charges, future payments made by the consumers are applied to the newest debt at the lower interest rate first. This allows the old debt to continue accruing interest charges at the higher rate.
Product: Credit card

Paid all credit cards off in full to save interest Credit card decreased drastically after pay off and no more interest paid Balance went from XXXX to XXXX. 
No longer paying interest on the high balance Credit card company decreased amount showing I have revolving accounts with high debts which all are our off Clearly shows since Im not paying interest on high balance it was decreased apperantly ones its all paid off
Product: Money transfer, virtual currency, or money service

I am writing to for concerns about Zelles handling of the disputes, particularly in light of CFPB lawsuit highlighting specific issues with the platform. Despite using Zelle numerous time and reporting issues. My financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was not possible and tracking would not happen. The CFPBs findings indicate that Zelle has not only neglected to protect customers but also has allowed repeat offenders to exploit the system, leaving users of Zelle vulnerable to scams.
Product: Student loan

My student loan was placed in a forbearance without me asking for this to occur. This has happened while I am in the process of trying to apply for a home loan. As such, my credit rating has been negatively impacted, which will probably cost me thousands of dollars over the course of the loan due to having to accept a higher interest rate. 

On XX/XX/23, I called and asked the company ( Mohela ) about this and was put on a series of holds for over two hours, which resulted in no resolution. The representative did acknowledge that the forbearance was not requested. I was subsequently placed on hold again as she consulted her supervisor and then left me on hold for an additional hour before I hung up.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. 

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with XXXX and Trans Union over the course of the past 60 days. Both agencies said that they were re-investigating the account in question XXXX XXXX XXXX XXXX XXXX XXXX. XXXX investigated and removed the account, the other two said that it was accurate and verified which is a gross misrepresentation of the rules and regulations because they did not. I have highlighted and attached a copy of the inaccurate reporting. XXXX  deleted the account and as recently re-inserted account with no investigation. Please review and investigate their claim. Thank you
Product: Credit card or prepaid card

Hi All, I am writing this email in great distress and I am forced to include the global senior leadership in the email because of the attitude that Citi Bank XXXX carries towards its customers. The services are a complete shambles and I would not expect such type of services from a brand like Citi Group. 
To begin with, I received an SMS on my mobile number on XXXX XX/XX/2019 stating that a transaction of XXXX   XXXX has been processed on my account via XXXX. This transaction was not done by me so I immediately called Citi Bank and requested them to look into it. 
The lady on the phone raised a dispute and I was advised to raise a police complaint. I emphasized that I am presently travelling so it is not possible for me to visit the police station. Next, I requested her to escalate the call since I didnt get the help. I was told that she will not be able to transfer me to a manager. I informed the lady that she can not deny an escalation to the customer. This is when XXXX XXXX ( Emp ID XXXX ) came on call and the manager was again not a helping guy. He did raise a dispute with ID XXXX but he said he cant commit anything to me. On repeated request of escalating the call, there was no escalation. I was told I will get a call back by his senior manager. I did receive a call back on XXXX XX/XX/2019 at XXXX XXXX and I informed the escalation team that since I am in a meeting, they need to call me back in an hour. With a promise to call me back in an hour, the lady disconnected the call. I still havent received the call. I am not sure if this level of customer services is restricted to XXXX clients or if that is the global service level. 
Citi Bank allowed a transaction without an OTP and it further refused to help. I am sure that this mail is going in trash as well since you guys do not care about the customers and the issues. In this email, I am requesting you to address the issue, listen to the call recordings and take action. This is certainly the worst customer service team I ever dealt with. I ended up calling XXXX Support and the lady on the phone was much more helpful than the senior manager from Citi Bank. I was not given a resolution, I was denied escalation and I was not given the contact ID for XXXX Officer after repeated request. 
All this has caused a massive amount of mental agony and distress to me. I am also reporting this to Ombudsman since Citi Group fails to keep the commitments. 
For your reference, the credit card number is XXXX XXXX XXXX XXXX and my contact number is XXXX XXXX ( just in case someone decides to deal with the issue Thanks XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spoke to XXXX Bank and they have not provided information about proof of any contract in my name however, I have a document with the name of the debtor and account number with payment history and it does not reflect any information pertaining to my name or personal information. This loan is from the State of Illinois not from XXXX where I reside. The executive agent I spoke with XXXX did not want to remove this information from being reported on my credit file. I was not expecting any problems from this company XXXX to remove inaccurate reporting information off my report, it seems to be some confusion that I can not identify when it is clearly an issue with discrepancy with the names and addresses attached to the account being reported and XXXX is ignoring the facts and violating my consumer rights and laws from the ( FCRA ) Fair Credit Reporting Act.
Product: Mortgage

1024.36 Requests for information. violated ive contact this company NUMERous times to get information ( ignored ) explanations or assistance to navigate the website for intimation on their page ( ignored ) 1024.39 Early intervention requirements for certain borrowers. ( violated ) I try to call and its like im on hold for hours to get to a person I don't know what the heck is going on and its been like that for MONTHS!!!!

1024.38 General servicing policies, procedures, and requirements ( violated ) first my modification was denied cause I made the mistake of adding extra income and they wanted the long form of thief information and denied it cause it was supplied but I shown with my income alone I was able to stay in my house so the second modification I do the exact same thing only without the secondary income and they STILL DENIED IT now im in foreclosure and they know PAHAF will pay this loan I gave them the letter showing im in the program and they are back logged yet mr Cooper just continues violating my civil rights Ive emailed XXXX 2023 XXXX XX/XX/XXXX XXXX no replies no answers to why my information isn't unacceptable nothing just the continuances of predatory actions
Product: Credit reporting, credit repair services, or other personal consumer reports

An accommodation includes any payment assistance or relief granted to a consumer who is affected by the COVID-19 pandemic during the period from XX/XX/2020, until 120 days after the termination of the COVID-19 national emergency declared by the President on XX/XX/2020 under the National Emergencies Act.1 Such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract.2 An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement. 
This statement from the cares act clearly states that payments during the COVID-19 national emergency would have accommodations. My late payment was reported XX/XX/2020 My payment was missed in XXXX. this is well in the 120 days of XX/XX/2020. 
Self lender is in violation of the cares act but not giving me accommodation. 

I will attach the email sent to them informing my situation.