23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : PORTFOLIO RECOV ASSOC XXXX .... {$2600.00}. 

PORTFOLIO RECOV ASSOC XXXX .... {$1300.00} PORTFOLIO RECOV ASSOC XXXX .... {$1200.00}. 

PORTFOLIO RECOV ASSOC XXXX .... {$480.00}. 

PORTFOLIO RECOV ASSOC XXXX .... {$480.00} PORTFOLIO RECOV ASSOC XXXX .... {$400.00}
Product: Money transfer, virtual currency, or money service

This is a follow-up to a complaint made in the beginning of XXXX. The attached response from Venmo and XXXX was received and they verified that a check would be sent and received within XXXX to XXXX weeks. At this time which is past XXXX weeks There has been no check received received. This is a significant amount of money and time is of the essence in receiving it contacting their call center. Im not not able to get any verification of when a check was sent to what address or when I should receive it. I have also emailed their executive office without response.
Product: Checking or savings account

Name : XXXX XXXX XXXX : Washington Problem : Venmo Account Suspension and Withheld funds Details : - You received a Social Security back-pay deposit of {$26000.00} into your Venmo account on XXXX XXXX XXXX 
- After utilizing a portion of these funds, Venmo temporarily suspended your account on XX/XX/2024, citing potential fraudulent or high-risk activity. 
- Venmo requested your identity verification, which you provided. 
- Despite your compliance, your account was permanently suspended by Venmo on XX/XX/2024. 
- As a consequence, {$15000.00} of your funds have been withheld by Venmo, with an assurance to release them six months from the suspension date. 
I have sent them proof where the money came from so how can I be spending my own money fraudulently
Product: Credit reporting or other personal consumer reports

Throughout the last 2 years, I have dealt with a fraud account that appeared on my credit report. I have made a report through CFPB about it and shortly after filed a police report. I have sent the CFPB report and police report to all three major credit reporting agencies ( Experian, XXXX and XXXX ) requesting for this account to be removed ( Commenity ). Most of them removed this account after seeing the police report and CFPB report however the only credit reporting agency that is not removing it has been Experian. I have submitted 6 disputes throughout the course of 2 years, including the police report and CFPB report however every time, they refuse to remove this fraud account. This is really affecting me and my family personally, as we are being denied buying a home and even being denied home rentals. This fraud account is only being reported by Experian... I attached all 6 disputes results that were submitted these past 2 years and also the police report and CFPB report regarding this fraudulent account.
Product: Money transfer, virtual currency, or money service

1. opened an account with Kraken XXXX XX/XX/22 XXXX submitted my credentials like photo ID etc and linked my XXXX XXXX account ( I have a screenshot ) 3. Same day I purchased crypto currency at the amount of XXXX XXXX XXXX $ and used my linked bank account. Kraken charged XXXX $ transaction fee and credited my account with the crypto. 
4. XX/XX/22 I wanted to add additional XXXX XXXX $ but due to the max amount of XXXX XXXX $ it was only possible by wire. 
5. I wired XXXX XXXX $ from my XXXX XXXX account which was not credited for a couple of business days.

6. customer service told me that it will take additional time to process ( I have transcript ) 7. After 8 business days ( from the wire ) I receive an email from Kraken stating that they want me for undisclosed matters close my account. In order to return my wire I should provide bank statement.

8. I refused to disclose my personal bank transactions via a statement and after 3 email exchanges they returned the wire which was not the full amount but close 9. Kraken asked me to sell my crypto in the account to return my balance, I refused because I have paid XXXX $ commission but I offered to transfer my crypto into my ledger wallet and them I am happy to close the account.

10. Kraken refused and insisted to sell my crypto on their exchange in order to close my account and return my money Here is my complaint : It is understood that these exchanges need to be careful to be in compliance with rules and regulations. If they consider that my account is suspicious why did they accept the opening, transactions and collecting the fees from the transactions? 
Having said that it is also understood that I need to comply with the closing but Kraken returns my money only if I sell my crypto assets. I made 2 attempts ( I have screenshots ) to transfer the crypto into my ledger wallet and was ready tp close my account. The fraud consists in my honest opinion that Kraken collected XXXX $ commission form the purchase plus an additional XXXX $ for the transfer, they will collect another commission from the sale and only then return the money. If this is unethical or fraud is up to you to decide. Not mentioning the short changed return of the wire.
Product: Debt collection

My information was exposed in XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I looked at a copy of my credit report on XX/XX/2024 and noticed an inaccurate reporting on my credit file. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item to ensure accuracy. Below is the item I am asking you to verify as accurate : Equifax : XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed debt on credit report as paid but collections have not been removed. I have uploaded bank statements to XXXX and to Mercantile adjustment bureau showing the date the debt was paid but the collection still has not been removed from credit report.
Product: Mortgage

My complaint is with Carrington Mortgage Services. The company is charging property inspection payments of XXXX along with mortgage of XXXX the dates are from XX/XX/XXXX until present, also attorney fees. This makes my payments double. Carrington is also Charges a fee of XXXX unknown.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a text message from XXXX informing me my credit score had changed. I thought fantastic maybe it went up because I have excellent credit. My score was XXXX at the time, and I look almost every day. But when I looked it had dropped to XXXXMy heart raced as I called XXXX XXXX to see what had happened. I keep a zero balance on all my credit cards,20 cards zero balance. When I got in touch with XXXX XXXX they said I owed {$19.00}, I said for what and they said it was an annual charge. I said why wasn't I called or notified by mail, or email. She said lots of things don't work the same as they use to, due to the covid. I said I should have been notified. Look at my credit and you will see that I never miss a payment. I was not properly notified by my bank Wells Fargo nor XXXX XXXX. There has never been a time that I did not have {$19.00}. I pride myself on having a zero balance. I knew I had no debt or thought I had no debt. XXXX XXXX reversed all charges, late fees. Wells Fargo apologised for not tying my checking to overdraft. Please help me I feel so taken advantage of by people you can't even talk to. I really have done nothing to deserve this. XXXX XXXX account # XXXX XXXX XXXX XXXX, Wells Fargo account # routing XXXX checking account # XXXX. You can look and see all my accounts I had plenty of money in the bank $ XXXX {$15000.00} total in several account 's. Also I feel that the covid 19 has factored in on the way things are handled at banks and financial institutions. People are working from home. Lots of people are new to these jobs and things are getting passed over. It's not fair to ruin ones credit for {$19.00} and especially when they were not properly notified. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. XXXX phone XXXX XXXX XXXX Email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

The financial institution has denied my dispute claims without any supporting documents to authorize a denial.
Product: Credit card or prepaid card

Offer of XXXX points if I upgraded to a new credit card. I did, and they only credited me with XXXX. I sent them the offering they sent me 3 times to get this corrected, but they claim that XXXX was the maximum even though I have the offering
Product: Credit reporting or other personal consumer reports

I am formally requesting the removal of the following account from my credit report due to violations of the FCRA. The account in question is XXXX XXXX XXXX. The creditor was unable to verify the validity of this account, and Equifax failed to provide proper validation for it. XXXX and XXXX have since removed this account. Despite my submission of both an FTC report and my Equifax data breach claim number, this account has not been removed from my Equifax credit report. The attached inaccurate credit report and data breach claim ID serve as supporting evidence for my request.
Product: Credit card or prepaid card

I am writing concerning my experience with Capital One that is both a grateful thank-you and a pressing request concerning my account. 

I received my Capital One credit card on XX/XX/XXXX and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, in XXXX of XXXX I made 1 late payment. 

This letter is regarding a 7 year old Kohls credit card which is issued by Capital One. Ultimately, my Kohls card was closed due to inactivity. No correspondence was ever sent to me encouraging me to use the card. 

The Kohls policy in the terms and conditions does not require them to do so. However, consideration for your clients credit report and score should have been taken into account. A point worth mentioning, my Kohls limit was never increased from {$300.00} in 7 years even though my score is nearly 800. That removal while small in amount hurts my overall credit score length of history, which was through no fault of mine.

Since the late payment does not reflect my current status with your Capital One credit card, Im requesting that you remove the missed payment with the three major credit bureaus.

Not to mention, I have made 200 on time payments with 16 revolving accounts over the course of 4 years.

I sincerely hope that Capital One, as an act of good conscience and fairness will right this wrong. If any additional documentation would assist in reaching a positive outcome, please feel free to contact me. I thank you again for the time you have spent reading this correspondence. 

Very hopefully yours, XXXX XXXX
Product: Mortgage

I am the personal representative of my aunt. I was trying to continue to pay the mortgage on my aunt house during the probate process . Wells Fargo c ontinues to make withdraws on a closed  XXXX  account. I have tried to stop the automatic withdraw on  the Wells Fargo  mortgage from the  XXXX  bank account, but I have talked to at lea st   XXXX    diff erent people, and the process to get the automatic withdraw terminated is taking over  a   XXXX   XXXX   XXXX   XXXX  .     The details follow.   The first part of  XXXX , I contacted  Wells Fargo a bout haveing them stop automatic withdraw on my Aunt mortgage since s he died   XXXX   XXXX  this year and her account at  XXXX  had been closed. I was told by  XXXX ?? that I needed to send a copy of a  death certificate , and then go to  XXXX  Indiana personal ly ( this  is over  an hour and a half fro m  XXXX  ) to have my identity certified. I faxed t he death certificate  at  XXXX     that  XXXX .    On  XXXX   XXXX , I received a letter from  XXXX   XXXX  addressed to the Personal Representative of ( MY AUNT ). Then the letter as ks if ( My Nam e Spelled out ) have the PR permission to talk to in essence, myself!     Then received a letter from  XXXX   XXXX  on  XXXX   XXXX  which asked me to send my letters of testamentary.   I received a call from  XXXX   XXXX  and I returned her call but she was not available so I talked to  XXXX   XXXX . He was nice and helpful and confirmed that they had received t he Death Certificate.  He let me know that then we only needed to send the letters of testamentary and that someone would ca ll in  XXXX  h ours. I faxed the letters of testamentary on  XXXX   XXXX . I called  Wells Fargo  on  XXXX   XXXX  and left a message with  XXXX   XXXX . She said in her message that she would call back in    XXXX   hours.  It is Thursday,  XXXX   XXXX . She has not called.   Since  XXXX  was not available, I tried to talk to someone else. He said that they did not receive my letters of testamentary yet and that it takes a week to attach the letters. That was over  a week    ago and that he still could talk to me. This phone call laste d  XXXX  minute s.   I called  XXXX   XXXX  today. She said that she had my paperwork but still could not talk to me because of some excuse.   Mean while, Wells Fargo continues to withdraw money from a closed bank account and is not able to talk to  me.
Product: Debt collection

In XXXX of XXXX, XXXX notified customers they were recalling certain XXXX products because of issues with the insolation foam. XXXX XXXX is attempting to collect money " owed '' to them for services rendered before XX/XX/2021 despite the fact that the machine would've absolutely been defective before then. They have since sent my bills to collections. I have attempted to contact XXXX repeatedly and can not contact their billing services and all other departments punt me off to another department, getting nowhere.
Product: Credit card or prepaid card

Approximately 4-years ago when I received my Macy 's American Express Card, a male Macy 's customer service representative told me that I would not need my in-store Macy 's credit card any longer and that ALL purchases ( in-store, magazine and online ) would automatically be charged to my new Macy 's American Express Card. HE LIED! 
- After shredding my Macy 's credit card, Macy 's - WITHOUT MY KNOWLEDGE - kept that Old in-store account opened ( ending in - XXXX ) and allowed someone in California to use my name and make charges on the old in-store account to the amount of over {$1000.00}. 

When I filed fraud charges, Macy 's closed out my Macy 's American Express Card ( ending in - XXXX ) ; and reissued a new regular Macy 's store card ( ending in - XXXX ). I received that new card in the mail this week and never activated it. 

I received the However, when I called today, XXXX XX/XX/2021, to inquire about the activation on the new card, a female Macy 's customer service representative informed me that Macy 's FRAUDULENTLY transferred the fraud charges from the store account and placed them on the new card. She indicated that it is a FRAUDULENT and SNEAKY method Macy 's is apparently using to try to force me to un-awaringly pay for the fraud charges on the old account that Macy 's kept open without my knowledge that allowed someone in California to make fraudulent charges on. 

I also contacted the credit bureau and I was informed that Macy 's FRAUDULENTLY sent in a negative credit rating to the credit bureau after the FRAUDULENTLY activity they allowed on my account without my knowledge. 

When I talked to a Macy 's Fraud agent today, he informed me that the female agent lied in her notes today and wrote that I never verified my personal ID information with her over the phone ; and she NEVER talked to me ( another lie ) ; and that she IMMEDIATELY revoked my new UN-USED credit card that was sent this week ( ending in - XXXX ). I was not aware of the LATEST FRAUDULENTLY ACTIVITY THAT MACY 'S COMMITTED TODAY UNTIL I TALKED TO THE MALE IN MACY 'S FRAUD DEPARTMENT.

Macy 's is COMMITTING CONTINUOUS CREDIT CARD FRAUD - and sending merchandise to people fraudulently to addresses in different states ; but, charging Macy 's customers for those charges. Consequently, Macy 's is sending false information to credit bureau 's as a SOLE PURPOSE TO NEGATIVELY AFFECT my credit report. I AM SURE THAT I AM NOT THE ONLY VICTIM! Macy 's should be investigated, charged for credit card fraud and victims should receive a resolution to this on-going matter! 

And, after I was informed today about the fraud that the female Macy 's representative wrote on my account by the male Macy 's fraud representative, I tried to call Macy 's customer service, a recording stated that Macy 's was NO LONGER accepting any calls from my number. PLEASE INVESTIGATE!
Product: Credit reporting or other personal consumer reports

There's an account on my credit report that I don't recognize, and I suspect it might be tied to identity theft or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in several documents about identity theft and inaccurate information being reported to all the bureaus XXXX, XXXX, and Equifax. All companies have not fully complied with the Fair Credit Reporting Act and it is disturbing me that I have requested verification and validation of whom the reporting agent is to the fraudulent accounts. Student loans accounts totaling up to $ XXXX do not belong to me as I have not had any financial obligation to a loan from any school whatsoever. I mailed in documents identity theft affidavits, other agencies that made claims of a debt that I have not saw any validation from the bureaus to confirm anything attaching me to a contract or a actual debt I owe. I began disputing this information in 2017 and still have not had success clearing up this fraud that is giving me nothing but problems. I have faxed over documents to Equifax several times within the last 5 months. The only company that has almost complied is XXXX, every other company has not done there job to report information accurately.
Product: Student loan

I have been paying my student loans to Navient at {$450.00} a month and when I approached the pay off date for my 2 of my 4 student loans ( XX/XX/XXXX ), Naviet claimed the loans were under reported and therefore I owed additional money. I paid the additional money and they issued new payment coupons. I received a payoff letter for the first 2 loans ( XX/XX/XXXX ). I continued to make payment per the payment coupons they issued and thought I paid off the remains 2 loans with the XX/XX/XXXX payment. However, I received a billing for additional money which they claim was again the result of under reporting for these loans. Even though they amended the payment coupons and issued new ones starting in XX/XX/XXXX.

When I call to question these errors all they do is send me listing of my last 50 payments which show I make my payment but do not explain or justify how I could owe additional money again to pay off these loans. How is it possible that they can not know the payoff amounts or accurately issue payment coupons. They expect me to accept their claim for additional money owed without any justification other than it was calculated in error.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payment was made on time, which is within Toyotas XXXX grace period. The payment was not late and should not have been reported as 30 days overdue. 
Clerical error by XXXX XXXX XXXX XXXX : My payment was processed on time, but due to a clerical error by XXXX XXXX XXXX XXXX, it was incorrectly reported as late. This error has caused inaccurate reporting across all three credit bureaus. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time, well within the allowed grace period. This clearly demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX XXXXXXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with someone today and received no help. I paid off my balance with this company on XX/XX/2019 but when they reportes to the credit bureaus on XX/XX/2019 they reported thag i still owed them a balance. I had the credit bureaus dispute and they replied to the dispute saying the charges were valid which is incorrect.The account is STILL open but there is a zero balance.