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

I am a XXXX XXXXXXXX on XXXX I received payment from buyer on Venmo.Venmo froze my account XXXX in it stating that the had fraudulent transactions after I sent all information from XXXX showing were I sold XXXX  so I am out of my XXXX and out of my payment for the XXXX because Venmo continue to hold this has been Since XXXX Venmo are scamming people over XXXX account are on hold they need to be shut down
Product: Checking or savings account

today XX/XX/2021 i called wells Fargo about a dispute transaction but they informed me the debit card was being revoked for my protection it is funded but im still allowed to use my checking account to pay bills but they didn't know that i had a debit saving card as soon as I told they deactivat6 it as i said they told me my debit card and debit saving card are revoked for 12 months for my protection.
Product: Credit reporting or other personal consumer reports

Collection Account from XXXX XXXX XXXX. should not appear on my credit report as the account was paid in full directly to the original company XXXX XXXX XXXX. 

Payment made directly to XXXX XXXX XX/XX/XXXX in the amount of {$2700.00}. Please see enclosed bank statement, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirming account.
Product: Checking or savings account

I have opted out of overdraft protecting completely ( as opposed to just opting out of some protection, 2 opt-out options the bank proposed ) when I opted out I was left with the information that if my account has no money to cover transaction then I may still get hit with a insufficient funds fee. Which I was ok with. However I did NOT expect TD bank to STILL temporarily deduct the amount I didnt have the funds to cover. PLUS the fees and THEN when the charge was no longer pending, credit me for the amount that should have been rejected instead! So Im not only now in a negative state regardless if temporary or not, the hold was long enough for the charges I did approve get rejected resulting more fees. An example, I had opted out of OD and I lets say I was expecting a check for XXXX attempt to clear but I didnt have the funds, which should have left me with a {$35.00} charge but instead of charging me just the insufficient funds fee they still deducted the {$100.00} anyways, but as a hold not a charge they plan to credit back the {$100.00} after a day or two holding that amount of the check that shouldnt have cleared at all!! Now the approved charges were now unable to clear causing my account to suffer additional fees. My account according to our agreement should be left with a zero bal based on my records and what I was told, not a negative bal. causing even more fees and problems! TD bank didnt refuse a check from clearing due to insufficient funds like I was told they would after opting out of protection. Instead the bank still subtracted the check plus charges from fees so my attempt to have enough money to cover my intended purchases and leave enough in my account to cover any charges a bounce check created! When TD credited my account for the amount they held from the check that should have bounced it was too late! So according to my agreement and my calculations I should have been left with enough money to pay a fee + the XXXX charges I authorized leaving me a bal of XXXX, However because of how they did things, it will now cost me over {$110.00}, leaving my account in a very bad way with a negative {$110.00} instead. This cant be fair? What was the point of opting out of OD protection if they still planned to remove funds that arent available? Then charge me for overdrafts or insufficient funds for each item on hold even if I agreed to pay them before check tried clearing. They argue that it is only temporary but even if temporary it was held long enough to disregard anything else coming through and clearing. I feel like I was lied to and stolen from. Dont I have rights and a way to protect myself and hold them for ever penny it cost me because they lied? I truly hope so, I will make this publicly known after this complaint to protect and help others from experiencing the same thing!
Product: Debt collection

I am writing to formally file a complaint regarding the unlawful repossession of my vehicle, a XXXX XXXX XXXX, which occurred on XX/XX/XXXX. The repossession was carried out in violation of federal laws, including provisions under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as well as my constitutional rights under the Fourth and Fifth Amendments.

Violations of Federal Law 1. FDCPA Violations : - Under 15 U.S.C. 1692e, debt collectors are prohibited from using false or misleading representations, including falsely implying affiliation with any state or federal agency.

- Under 15 U.S.C. 1692f ( 6 ), debt collectors are forbidden from taking or threatening non-judicial action to effect dispossession or disablement of property without a present right of possession, intention, or where the property is exempt from such action. 
- The vehicle repossession was executed without any judicial order or enforceable security interest, rendering the action unlawful and deceptive under 15 U.S.C. 1692d and 1692e.

2. FCRA Violations : - As defined under 15 U.S.C. 1681a ( d ) ( 1 ), the unauthorized acquisition of my consumer report by running my license plate to assess my creditworthiness was a breach of privacy. Obtaining this report without my consent or a court order violates 15 U.S.C. 1681b ( a ) ( 2 ) and is punishable under 15 U.S.C. 1681q and 1681r.

3. Constitutional Violations : - The Fourth Amendment protects against unlawful XXXX and XXXX. The XXXX of my vehicle and access to my consumer report without a court order is a clear violation of my constitutional rights. 
- The Fifth Amendment guarantees due process before any deprivation of property. The XXXX of my vehicle without due process and without just compensation for its intended public sale is a direct infringement of my rights.
Product: Credit reporting or other personal consumer reports

I received an alert on my credit report in regards to a new account I never opened in which I hadn't. I've never applied for or accepted an offer with XXXX XXXX XXXX XXXX and I would like them removed off my credit report. XXXX XXXX XXXX XXXX  is in violation of the law and should be reported to the FDIC as their violating consumer and credit laws. I'm asking for XXXX XXXX XXXX XXXX to provide a contract that shows that I have provided an application or have accepted an offer from them as I have not. I won't them deleted off my credit report. 

I've disputed this information with the credit bureaus and I've asked the company cor a cease and desist and they keep contacting me which lawis a violation of the. 

According to XXXX XXXX XXXX XXXX XXXX  I'm entitled to a history of payments paid by me as the keep stating I gave an account with their company as I have never never done any business with this company. 

I would also like to see my signature on this account guaranteeing I would pay this creditor. 

I'm asking has there been any insurance claim found on this debt. 

I want proof on a change of title that you can collect on this debt. 

XXXX XXXX is stating I owe them a debt and I have received a welcome letter they received on a previous complaint. XXXX XXXX didn't have my email and this is notification of a cease and desist. 

On a previous complaint they stated they sent a welcome letter which was terms and conditions of whatever fraudulently product the have on my credit report that needs deleted. 

I've never done business with this company and if they continue to report on my credit report they are in violation of the law and I'm entitled to {$1000.00} per violation. 

XXXX XXXX needs to delete delete any and all information that is related to them and if they refuse I will use all laws applicable to me and sue. 

The documentation I've uploaded came from XXXX XXXX in which they state is a welcome letter in which it is not.
Product: Credit card or prepaid card

A Credit Report showed that I was a Joint Account Responsibility on a Barclays Bank of Delaware. The card was opened on XX/XX/XXXX. ( With No Activity ). The card was activated and a charge of {$15000.00} was charged in XX/XX/XXXX. The card has a {$18000.00} credit limit that some how I am listed as joint account responsibilities. I have no knowledge of this card and Barclays Bank will Not cancel or remove my name from the card. I am Not the Primary card holder. Someone is using without my knowledge of the card and making current monthly payments. They refuse to give me information on the Primary or cancel the card. How do I cancel or remove my name? Barclays Bank of Delaware is refusing to help me in any way. I am furious that I am listed on this Flexible Spending credit card with such a high limit ( {$18000.00} plus ) that I have zero knowledge of, but am responsible for as a joint account responsibility. A change of {$15000.00} was made XX/XX/XXXX. Again I have No Knowledge of this card. Please advise how I can resolve this situation. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Have a Costco Visa credit card with Citibank. 
Paid {$9500.00} via ACH ( done many times previously ... generally only way paid ) initiated through Citi website. 
Payment was initiated XX/XX/2020 Payment was taken out of my XXXX account on XX/XX/2020 Called Citi on XXXX and was told payment had not posted yet Called Citi on XXXX and spent over an hour to be told that payment would not be released until the XXXX of XXXX ... nearly two weeks after payment was made.

Have NEVER had a late payment Have made numerous other payments this way Was told the amount caused issue Have other cards with Citi and have made larger payments from same checking account using same process with no issues. And no returned payments or other issues.

I think it is criminal to hold the amounts for two weeks with ACH being credited next day. 

Would like to get some help.
Product: Checking or savings account

I have two checking accounts under my account with Truist Bank. One is a minor account. On XX/XX/23 the minor account was charged {$36.00} overdraft fee. On the same day prior to the overdraft fee a transfer of funds in the amount of {$30.00} was made to my other checking account at XXXX ( ET ) The monies were available as the transfer was made successfully. At some point after the {$20.00} from a transaction that was successfully made on XX/XX/23 at a gas station was withdrawn the bank assessed the {$36.00} overdraft fee as well. The morning of XX/XX/23 ( XXXX XXXX  ) I noticed an email stating overdraft fees have posted to the account on XX/XX/23. Which my account shows posted on XX/XX/23. The original negative balance was {$2.00}, I called Truist to explain and dispute the fee and the account was refunded the {$36.00}. 
Another incident was today XX/XX/23 when I received a text alert at XXXX ( ET ) of an overdraft fee assessed on my other checking account. I also had received an email at XXXX ( ET ) stating the fee was posted to my account today ( XX/XX/23 ). Yesterday ( XX/XX/23 ), I made a {$25.00} transfer to the minor checking account around XXXX ( ET ) and it was done successfully as the monies were in the account with a few dollars still left in the account. I called Truist today XX/XX/23 and explained the issue and to dispute the overdraft. I was told a transaction from XX/XX/23 of {$10.00} from a gas station came through on XX/XX/23 and it was originally pending for {$1.00}. The transaction made my account negative by {$0.00} and I was assessed the {$36.00} overdraft fee on XX/XX/23. I was told they will not reverse the fee as they already reversed the fee for the minor account ( which is under my childs name ) and customers are only allowed XXXX reversed fee in XXXX. I explained to both customer care and supervisor I am currently unemployed and I dont have a steady income right now and could not afford to lose {$36.00} over a {$0.00} negative balance and felt it was unfair that they even charged me for that amount. They did not care and would not do anything to help resolve the issue. Ive had issues in the past with them for overdraft fees using their mobile banking. I will no longer continue to keep my money in their account. I have two lines of credit with them and I will continue to pay as I can until its paid off. I will now find a bank who does not assess such ridiculous fees.
Product: Debt collection

I have reported this as identity theft with the federal Bureau of Identity Theft and it was removed by and now it has been placed back on my credit report from a collection agency. I mailed my Identity report on XX/XX/XXXX. I was original from XXXX XXXX XXXX  XXXX.
Product: Debt collection

Check Into Cash I had a return check that was payment. I was contacted on XX/XX/XXXX by XXXX about the outstanding bill of {$870.00} with fees. I made payment arrangements. Paid it off XX/XX/XXXX. I have the document of paid in full. I was contacted by the law offices of XXXX XXXX XXXX XXXX XXXX XXXX in regards to this matter, threatening to take me to court. I sent the copy of of document to XXXX they said that was acceptable. My daughters recieved voicemails on their phones today ( XX/XX/XXXX ) for me with the same message to contact XXXX with the same information and law firm. This time from XXXX. I want this to stop.
Product: Debt collection

Account XXXX is not licensed to collect in my state of Utah. The licensed expired XX/2012. This is reporting on my credit and they are trying to collect this debt from me in Utah ... And they still have not sent me validation of the debt.
Product: Debt collection

XXXX was paid an balance owed to them is XXXX I've called an haven't received a receipt of payment either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to violate my consumer rights as i show proof with the attached documents showing how this company does there investagation without proper prodcures. Then they come an tell the CFPB that they either need more time or they did a correct investagation on a consumer dispute. I have asked this company to show XXXX XXXX of what they verified and who they verified it from but i yet have not gotten anything that clears that what i have asked for as a consumer. I continue to explain the US law 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

I applied for a loan with Discover Personal Loans and denied based on the status of a previous account. The status of my previous account is that it was discharged in a bankruptcy over 10 years ago and no longer appears on any public records or my credit. 

I mailed Discover a letter to inform them that my previous account was discharged in a bankruptcy and they received it on XX/XX/21 per XXXX records. When I called on XX/XX/21 I confirmed with a member of the Discover Loan department that they showed my account was charged off. However, when I spoke with the Discover Card bankruptcy department they confirmed that they have documentation that my previous card was discharged in a bankruptcy. It is my understanding that the debt can no longer be settled due to the bankruptcy and XXXX-year statute of limitation on collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft Report Attached. 

The investigation and reinvestigation of this account was never presented. Verified electronically is not an investigation. 
I was unaware of who XXXX was until I had to fight to prove the account does not belong to me. 
Account : XXXX I also noticed a few inquiries appeared, hopefully the data breaches and hackers have not taken any further steps. 
Inquiries : XXXX, XXXX, XXXX XXXX Please delete the above placed identity theft account and inquiries from my consumer credit report and file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with JPMCB in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Product: Debt collection

Greetings On XX/XX/XXXX and XX/XX/XXXX I received a bill from Transworld Systems Inc. in reference to a debt that they paid for to collect in the amount of {$1200.00}. This debt was bought from a utility company called XXXX. XXXX is in violation of 15 US Code 6802, 1681 ( b ), 6801 and 1681 ( a ) ( 4 ). All are associated with privacy violations. So once again a clear violation of my privacy rights has gone unchecked. 
I sent Transworld a certified validation letter, cease and desist letter and a 30 day affidavit of truth on XX/XX/XXXX in reference to the alleged debt. They did not produce the evidence to prove their claim. They did not respond in the form of an affidavit and did not remove the debt from my consumer report as demanded by me ( XXXX XXXX ). 
I do not owe this company any money whatsoever. Nor have I gone into any agreement them at all. 
I've also uploaded a copy of my consumer report and there are several inaccuracies coming from the same company. The consumer report states that I owe {$960.00}. However, my notice in the mail says {$1200.00}. 
The report also states that the reporting dates are inaccurate as well as the last dates active. 
This is also a Maryland account and I have live in Florida since XX/XX/XXXX. So there is no way physically I could've opened the account on XX/XX/XXXX.
Product: Debt collection

Equifax has received from my lawyer 2 police reports with official letters. They did receive it 2 times in 7 months. 

Police reports # XXXX XXXX and XXXX has remove the collection : The Bureaus from my reports because the polcie reports clearly state that I was victim of Identity theft. 

Equifax don't remove it and everytime we try with my lawyer to contact them they don't care and don't respect the law. 

I need EQUIFAX to remove immediately the false information that they are using on my credit reports by removing THE BUREAUS COLLECTION.
Product: Student loan

XXXX did not send me a letter that my payments were being increased in XXXX. I received a letter XX/XX/XXXX that my payments were increased and I had a hefty late charges. I called them and asked why wasnt I notified and I was greeted with you need to pay. I will be calling them again today ( Monday XX/XX/XXXX ) to try to get some resolution. I dont know if I can trust them. I have been paying them faithfully every month until XXXX payment in which I submitted {$45.00} check they told me to send and they turned around and sent me a cost of default letter.
Product: Checking or savings account

So I previously filed a complaint on XX/XX/2022 Complaint ID : XXXX stating that Citibank closed my account which I had no problem with as long as I received my funds. I called multiple times and was told the same thing that the investigation can last 60 days and after the investigation my funds would be mailed to me in the form of a check. On XX/XX/2022 I received an email from Citibank stating that their decision to close the account was complete and as of XX/XX/2022 I dont have access to the account anymore. On XX/XX/2022, I called the customer service number to get an update on whats happening and I was informed that the investigation was complete but they have yet to release my funds and when I asked to speak to a supervisor they just hung up on me. Ive made numerous attempts but nothing ever gets resolved. I know they have a right to terminate the banking relationship at anytime no matter the reason but I have the right to my funds which they falsely marked as fraud. Not only that, I was told by a supervisor at a local branch that I would be put in the XXXX system for fraud even though I never committed fraud. If the investigation is over, they have no right to hold my funds.
Product: Mortgage

I have been living in my property over 8yrs, got into some financial difficulty due to medical condition. I was only 3 months delinquent and I sent XXXX payments in that was sent back to me. I have been waiting for almost a year to get some type of assistance which made them charge me more late fees along with attorney fees. I was recently denied for options due to the amount of months they are stating I am delinquent ( over 12 months ) I disagree and in addition I was not given the option of a partial claim nor a repayment plan. I attempted several times to contact them and was told to call there lawyer. I was never served a complaint to negotiate the amount i owe to this date. I am appealing the decision made of denying me any and all options with the acceptation of selling my home. I am not happy with the results of this mortgage/servicer company.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : 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: Debt collection

XXXX from USAA is showing up in my credit report consistently. 

I reached out to USAA for more information and to resolve this debt on XXXX/XXXX/2023. 

I was told that there was no credit under my member number. I want this debt removed from my account immediately if USAA does not own this debt that is showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax on XX/XX/22 about some information that wasnt mine and addresses to places i never lived. I have yet to hear anything from them to get these things taken care of.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent statement, dated XX/XX/2024, I observed inaccuracies that require immediate attention. 

Statement Closing Date : XX/XX/2024 On XX/XX/2024, the previous balance was noted as {$1300.00}. Subsequently, I made a payment of {$1300.00}, effectively reducing the balance to {$20.00}. However, despite this payment, the credit bureau was informed that the balance remained at {$1300.00}, which does not reflect the accurate status of my account. 

Additionally, I noticed an interest fee of {$20.00} was charged, despite the payment being made prior to the statement closing date. This discrepancy is alarming and requires urgent investigation. 

I hereby formally request a thorough review and correction of this discrepancy. It is imperative that the balance reported to the credit bureaus accurately reflects the true balance as of the Statement Closing Date : XX/XX/2024. 

I expect prompt action on this matter and request that you provide me with a detailed explanation of the discrepancy and the steps taken to rectify it. Please ensure that my account records are updated accordingly and that any erroneous information provided to the credit bureaus is corrected. 

Thank you for your attention to this matter.