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

Venmo charges : In XXXX of last year, I had {$14000.00} transferred into my acct from my brides for upcoming weddings ( I am XXXX  employed and have XXXX XXXX XXXX XXXX XXXX business ) I pay for my flowers using my Venmo card. They take out {$1000.00} every time I receive my flowers that goes towards my bill with XXXX XXXX. And they only take out when I receive flowers from them, not on any other days. On XX/XX/1921, XXXX and XXXX Venmo took out a {$1000.00} on each of these day but I didnt have any flowers delivered to me on those dates. I NEVER get flowers on a Friday, Saturday or Sunday. XXXX XXXX is not open on XXXX to deliver and they are closed on Sundays! ) The XXXX was on a Wednesday but I didnt have a wedding that week. They not only withdrew the money from my Venmo acct but also tried to reload from my personal banking acct as well. When they did this it caused my bank to have several overdraft fees not only from the money they tried to get but also caused checks I had written as well to overdraft. Along with taking out other transactions from my bank acct as a Venmo reload as well. I had more than enough money in my Venmo acct to cover all of these fees, so they were paying themselves twice for 1 transaction. I contacted Venmo, using the chat button because there is no way to call Venmo. XXXX said she could not find my transactions from my brides sending me money and I asked if maybe that was the whole problem. On XX/XX/XXXX, they froze my acct because they said I owed them {$840.00} on XX/XX/XXXX they gave me a temporary credit of {$1000.00} for each the XX/XX/1921, XXXX and XXXX transactions but they took out {$1000.00} for what they say I owed them for them leaving me {$2900.00}. Before they could take any more of the money, I transferred as much of it as I could out of the acct. But I could only send {$1000.00} to my bank acct, it would not let me transfer any of the remaining money. So I sent {$1900.00} to my XXXX and she then sent it to my bank acct using XXXX. I immediately closed my acct with Venmo and they finally sent me an email telling me after investigating they found no wrong doing on their part and I now owe them {$4000.00}.
Product: Checking or savings account

I opened a new checking account XXXX at E*TRADE from Morgan Stanley in XX/XX/scrub> 2024 using their advertised promo with {$250.00} bonus by meeting the requirement of making 2 direct deposits of {$1000.00} or more within the first 90 days of account opening. 

I met these direct deposit requirements by receiving direct deposits from my employer XXXX XXXX University on XX/XX/scrub>/2024 and on XXXX/XXXX/2024 as attached screenshot. However, they are denying the bonus because they claim that the promo is not attached my account. I am 100 % sure that I applied and opened this account with the promo mentioned above. 

I request them to honor me the {$250.00} bonus as advertised. Otherwise, it is a deceptive fake promotion.
Product: Consumer Loan

XXXX XXXX call people about their car payments and and if they ca n't get in contact with the customer they will call references and Neighbors and give out personal information also they will offer the customers friends and family money to help them look for the car if their account is delinquent. They will also run credit bureaus on customers several times a month also if there is a third-party driver that is driving the vehicle that is not on the contract they will run credit reports and social searches on that third party and the third-party driver did not sign any kind of release to run their credit information
Product: Credit reporting, credit repair services, 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. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX Balance {$270000.00}
Product: Credit reporting or other personal consumer reports

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting
entity in my consumer report.

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/2025 To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to conduct a reasonable investigation into my account. ( Dispute Confirmation Number : XXXX ) In accordance with the Fair Credit Report Act everything should be XXXX percent accurate on my credit report with all three bureaus. 

The credit bureaus have responded to my disputes stating that my accounts have been properly investigated and verified when they have not been investigated or verified at all. They could not have been properly verified or investigated due to, incorrect opening dates reported, date last reported inaccuracies, dates last active inaccuracies, as well as last payment dates that are completely frivolous. Also, in violation of section 623 not all of the accounts that I have disputed, notates " consumer disputes account ''. This is grounds for removal, and my rights have been violated.
Product: Checking or savings account

I am appalled and disgusted by the belligerent customer sevice and bias discrimination I received. I have been a Bank of America customer for over 7 years and never until today have I experienced social economic discrimination that defies human decency and shatters all critical race theory progression. I walked into Bank of America located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I encountered XXXX who talked to me as though I was a remedial when I have ascertained over 4 advanced degrees. BOA is in violation 12 CFR 204.2. I walked in BOA a consumer and walked out overstanding equal opportunity or customer service is an illusion. I filed my complaint over a week ago and wasn't even contacted. Utterly disgusting! 

My complaint number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax, and XXXX several times via phone and online many occasion in regards to inquires that I did not authorize or was not familiar with. It makes it look like I have been begging for Credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have i inquires from places I didnt inquire Credit from. I have disputed and reached out to the bureaus several times and they say the same thing over, and over and sometimes they even hang up. The following inquires where not authorized are the following : XXXX XXXX XXXX, XXXX XXXX,XXXX XXXX/ XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX/XXXX
Product: Student loan

My loans were transferred and/or sold, without my consent, to another collector. The amount I was told is due is outstanding compared to what it was when I was with the original loaner. Please contact me as soon as possible.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding fraudulent charges on my credit card and their failure to honor my request to stop payment before the charges were processed. This has resulted in significant financial hardship and emotional distress. 

On XX/XX/year>, while visiting XXXX, XXXX, I dined at a restaurant that appeared to be called XXXX XXXX  ( though no sign with the restaurant 's name was visible ). I ordered the " Lobster Pasta, '' which was listed on the menu at XXXX. The restaurant staff was aggressive and hostile, creating a very uncomfortable atmosphere. My bill was shockingly inflated, totaling XXXX, which I felt pressured to pay due to the staff 's behavior. 

Shortly after, I discovered an unauthorized charge of XXXX from XXXX XXXX on my Bank of America credit card even though I reluctantly allowed them to charge only XXXX because I felt threatened and was not able to defend myself. Crucially, I contacted Bank of America to report the unauthorized charge of XXXX, and specifically requested that payment be stopped before it was processed. it ]. 

Despite my explicit request to stop payment and the fact that the charges had not yet been fully processed, Bank of America authorized the unauthorized charge of XXXX. This action directly contradicts my instructions and has compounded the financial damage caused by the fraudulent activity. Their failure to honor my request to stop payment before processing the charges demonstrates a lack of reasonable care and has caused me significant financial harm. 

I am requesting the CFPB 's assistance in resolving this matter. I seek a full refund for the inflated charge, as well as an investigation into Bank of America 's handling of this fraudulent activity and their failure to comply with my stop payment request. I will pay the XXXX. I did not sign for XXXX. 

Thank you for your time and consideration.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you. 
ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) -XXXX-Balance {$290.00} ENHANCED RECOVERY CO L XXXX Original Creditor : XXXX XXXX XXXX -XXXX-Balance {$3300.00}
Product: Mortgage

I obtained a second loan for {$50000.00} on my property at XXXX XXXX XXXX, XXXX, California XX/XX/XXXX from XXXX XXXX XXXX. The length of the loan was for 120 months. I have attached a copy of that document. At some point the loan was sold to Ocwen Loan Servicing. I continued to make payments and was never late. In XXXX of this year, XXXX, I asked for Ocwen for a payoff quote for the loan. On my statements it showed a principal balance of {$410000.00}. I received a payoff quote of {$8700.00} cents. I asked why was the payoff amount was so different from the balance it showed me owning and I was told that when Ocwen took over the loan from XXXX XXXX, XXXX XXXX had failed to calculate the correct monthly payments so I owed the difference. I wired the payoff amount of {$8700.00} to Ocwen, on XX/XX/XXXX. ( see attached copy of the wire transfer ). I received a letter from Ocwen XX/XX/XXXX, ( see attached ) stating the loan was not paid in full because of the before mentioned issue with XXXX XXXX and actually I owed an additional amount of {$7100.00}. 
I don't understand how this is possible to go from a balance of {$4100.00} to owning over {$17000.00}. I never received a statement from Ocwen stating I owed this amount until I paid off the loan. I made a good faith payment of the payoff quote I received in XXXX. Please investigate Ocwen. I had asked for a explanation of these additional charges and was verbally told someone would get back to me. As of today, I have not heard from Ocwen. 
I have attached copies of my XX/XX/XXXX statement showing a avg daily balance of a little over {$4000.00}. My XX/XX/XXXX statement showed the same avg daily balance. Now XX/XX/XXXX latest statement is showing an average daily balance of {$10000.00}! That has to be an error, when Ocwen is now saying I owe {$7100.00}. 
They also appear to have changed and falsified the payment history which is different from the account history I had seen when I was making monthly payments. There was NEVER a balance of over {$17000.00} showing in XXXX. This balance was never reflected on my credit report or on any other documents.
Product: Debt collection

I have called, emailed XXXX several times and explained the charge is not mine. I had ID theft and had many issues which was reported to police and all credit bureaus. Not to mention, I was not even living at the property where the electricy charges were made. XXXX mistake is affecting my credit, and they are harrasing me with collections. Highly considering to hire an Attorney to suit them.
Product: Mortgage

Hi.. In the beguiling of the process of a refinancing the loan.. 

I specific ask some cash out. My mortage agent XXXX XXXX was who original talk to and everything when as plan i had few issues with some of the collections the i told them the i want to avoid pay them, for a reason, I ask a XXXX k cash back so i can pay and seatle my self for a low amount of money and safe me money of the end.. 

But the problem i have now they when and go ahead and pay all this collections with out telling me about what was being pay.. i thought i was getting the XXXX but they pay all this accounts by not letting me know.. they lie to me and i got on XXXX ..in return they pay all this accounts and after all this accounts i got left XXXX my irritation with the company is that i was not aware and they new that and didnt tell me ... now i have a refinacing house with outrage interest.. 

I trust the agent to do keep me inform and advice me of bad situation but at the end they just want the sale didn't care about the person behind.. 

this situation got me so rage and cost me XXXX dollars for their actions ... 
mister XXXX XXXX when i confronted accepted the mistake i have one audio recording as well that he was accepting the mistake he made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed these accounts and you still have not removed them they are not mine ; they are authorized user accounts and one fraudulent account belonging to someone else, the debts do not belong to me. I will sue for negligent investigation practices considering this is my THIRD time disputing, and these accounts are not mine and ruining my credit. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I will sue for negligence and sue for damages. Please remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid XXXX XXXX for several years for removing credit reporting errors on credit reports XXXX XXXX completely ignored XXXX XXXX in their efforts on my behalf. 

Apparently XXXX XXXX doesn't do anything on XXXX XXXX reports. I was denied credit from XXXX XXXX XXXX from a report from XXXX. 

When I filed a complaint with XXXX, about this, I was eventually sent a form from XXXX. ( XXXX XXXX ) And also received a report with no information included as to why my credit was denied.
Product: Credit reporting or other personal consumer reports

Hello on XX/XX/24 I submitted a request to equifax to provide information about some collection accounts listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.
Product: Debt collection

This complaint is against paypal credit and PayPal Mastercard. I explained i was affected by covid. The said I used my 3 months of help. Unfortunately it is still going on. They call 20x a day texts messages and call from different numbers. I told them I can not pay they said they are reporting it to credit bureaus and I asked for them to stop calling and after my mortgage is paid and my XXXX year old eats I will pay something if I can. They continue to call
Product: Debt collection

I am trying to improve my lifestyle and I noticed this inaccurate account reporting on my credit report. I do not have any knowledge of this debt. I believe they may be violating HIPPA laws by reporting this information. They are destroying my credit.
Product: Checking or savings account

How dare my bank has a horrible way of processing disputes and fraud claims they clearly dont want to do their jobs and investigate and get me my money back today I received a letter from them they gave me a provisional credit they want to reverse the credit and close my claim saying they want me to contact the merchant unbelievable what type of bank is this that doesnt handle fraud seriously they dont care about my money shameful they make the customer do the work for them Im very upset with them they lie and says zero fraud liability but when you call to report it they file a dispute and then always reverse their credit and charge me the customer so I have to pay go fraud charged because they refuse to investigate
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Money transfer, virtual currency, or money service

I want to formally voice my concerns with Zelle 's handling of disputes. Those concerns come In reference to the recent events of the CFPB lawsuit. In particular issues wiih the platform itself. In the past after using the Zelle platform through my financial institution, previous reporting discrepancies has gone unresolved. Zelle has failed to investgate my claims properly. I was informed that it was nearly impossible to recover any funds that were lost and unable to track down it's location. The CFPB 's findings that Zelle not only neglected to protect consumers as myself, but has also allowed repeat offenders to take advantage of the system, leaving any users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I received a phone call approximately 10 days ago from the  Convergent Healthcare Recoveries  company, attempting to collect a debt on medical bills. To my knowledge we had no current or past due charges requiring payment. When I asked for more information the caller stated the date of service was from  XXXX , more than 4 years ago.     Today (  XXXX / XXXX / XXXX  ) I received a letter asking for payment in the amount of {$130.00}, The dates of service were  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX . Both show payments ( not from insurance company ) in amounts that would coincide with mu co-payment.     I have paid my medical bills in good faith. I was not aware of an outstanding amount. I can not access my bank records or my explanation of benefits back to  XXXX  to validate the services or research the payments.     I have written them stating they are not to call me on this debt and that I consider it invalid. I have also informed them that I have filed a complaint with the CFPB.