23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay so after continuously disputing with XXXX XXXX to remove the false record that they placed on my Early Warning Services Report, ( someone had falsely applied for a student loan with XXXX XXXX, and also added a cosingner ( unauthorized ). I did not know until XXXX XXXX XXXX XXXX Placed A Hold on my account because of the EWS reporting, I then called in to dispute, XXXX XXXX XXXX had refused to offer me any information or help so I contacted you guys CFPB and they finally investigated and agreed to Permanently remove their records from EWS. ( TAKE A BREATH WITH ME BECAUSE THERES MORE! ) That entire process took about two months for you guys ( CFPB ) to solve it in about two weeks. Wow. NOW, I went ahead and contacted EWS just to make sure both companies were on the same page, and EWS tells me that XXXX XXXX cant request for the records to be removed, EWS says they provide access to banks and credit unions and and its up to XXXX XXXX to remove it which is frantic because they removed my record from another company. So now EWS will keep the record. I offered to send them the letter they provided me an email and told me I can use the letter to start a new disputing process which could take possibly another two months meanwhile my account with XXXX XXXX is still on hold!
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2023 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I had sent XXXX XXXX dollars to my friend through Venmo. 
Later in the day, my friend indicated she did not receive the amount. I had emailed Venmo to resolve the issue. Venmo responded by stating " it is in her account, she need to transfer the money over. '' However, the amount was not in her account for the transfer. Therefore, I sent the venmo picture of my friend to her to verify. My friend said, " that's my picture on my XXXX, but that is not my account. '' I had emailed Venmo back to notify them fraud has occurred. Someone is using my friend 's first and last name, her picture but a different, other than my friend. 
Venmo responded requesting all the information between my actual friend and the other account. Venmo team stated they will investigate. I sent the information as well as attaching the XXXX different accounts with my friends pictures on them both. My friend only has XXXX account. 
Venmo then responded stating I need to follow up with my local law enforcement!!!!! 
At this point, Venmo has not notified me of anything else they are doing abou this situation, and indicated I will not be getting my money back. 

Please help. I do not believe Venmo is following up, poor customer service on their behalf. 
Extremely concerned this is happening on Venmo especially when so many people use this service. Something needs to be done so this will not happen to anyone else!
Product: Checking or savings account

In XX/XX/XXXX I received an offer from Union Bank to open a priority bank acct ( checking ) and receive {$300.00} if I complied with the specifications. They were use the debit card a number of times within 60 days I think & link to mortgage which is with Union Bank. I get these offers from banks I don't know why but it is easy enough to do it & get free . The deposit requirements were nothing much & no direct deposit requirement. I went to the bank several times to try to open the acct. When they realized I was not depositing a substantial sum they were telling me no I could not do it. Each time I went home & read the requirements and I matched so returned. On maybe 3rd try I got a nice young banker who it turns out did not know what he was doing but he opened the acct. Well I was happy! But time passed & no debit card arrived. I really forgot about it until maybe XXXX or XX/XX/XXXX I became concerned maybe the card was lost in the mail so I think I called- also because no {$300.00}! They sent the card but by this time the 60 day requirement was nowhere on my mind and I went into the bank time after time to try to get it all set. In XXXX I went in for the I do not know how many time and one of  the bankers who had told me in XXXX that it was approved & the $ would be there. Their employee had fouled up & his boss " XXXX '' had approved it. So XXXX I'm back & he calls " XXXX '' and he actually initials the offer paper-OK it is done. No. I mean ridiculous. I go back in because I tried to go on online banking but their employee who opened the acct orig. never put me on online banking so they demanded I go in to the branch to get on. I got a nice banker ( different one ) & he says he will bring it up because now the initial guy is on several weeks training not available till after XXXX XXXX. OK after XXXX XXXX I'm baaaack. He says it's out of his hands it's up to " XXXX '' who is in a different office. Just by chance " XXXX '' is there! He says oh his boss said you never did anything with the acct so they are not going to give the XXXX I sent a letter to " XXXX '' s boss- nothing. I have to point out they had sent me a similar offer some years ago & I changed my mortgage to them & later did another refi. I have done my best to resolve this with them that is why I am here.
Product: Money transfer, virtual currency, or money service

I'm complaining about Cash App ( Block, Inc. ) because of their unjust methods and poor customer service, which are under the Consumer Financial Protection Act ( CFPA ). In particular, Cash App left my account exposed and unsafe by failing to take prompt and appropriate action to stop and handle fraud on their platform. Furthermore, because they failed to adhere to the Electronic Fund Transfer Act 's ( EFTA ) and Regulation E 's error resolution standards, their dispute settlement procedure was unfair and dishonest. I demand adequate remedies for these infractions, which have resulted in significant financial loss and inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I cosigned for my daughter for a vehicle on XX/XX/XXXX through Credit Acceptance. Vehicle was XXXX XXXX XXXX ( used, ) when vehicle was paid off we received all documentation stating that it is paid in full they released the title we have all documentation from the company that provide those statements. However it continued to be reported to the credit bureaus on my account as well as my daughters account when I went to dispute it through the credit bureaus, Credit Acceptance sent a document stating they needed more proof in regards to this matter which therefore I submitted copies of the statements received stating accountants paid in full receiving title account is closed, after that I then received from the company a letter indicating that that is correct and they will remove it from the credit bureaus which they have and then put it back on and keep on reporting it till this current date have reached out numerous of times it is not being resolved my daughter is trying to get her account cleared through XXXX XXXX we have submitted a complaint to the attorney general but may have to seek for a debt attorney do not know how to get this removed when they are constantly changing information to the credit bureaus in regards to this manner. Has impacted both credit scores tremendously
Product: Debt collection

On XXXX XXXX XXXX  at XXXX XXXX  XXXX, I spoke to a manager at Zwicker & Associate, XXXX XXXX, who lied about having a previous conversation with me. She stated that I had offered to pay {$4000.00} in a phone conversation I had with her a few months ago. I never had {$4000.00} to pay, so I know she was lying to get a settlement. A debt collector lying is, at the very least, an unethical business practice ; if it's not illegal, it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to college and in the middle of going to college I I got XXXX. I had to stop attending college and could not defer my loans anymore due to the fact that I was XXXX after the XXXX. I was found officially XXXX by Social Security, and now I live on XXXX only. I have no way of paying back these loans. I have asked XXXX for the dismissal paperwork due to official XXXX many times, but they wont send the papers, and will NOT consider loan forgiveness, and the statute of limitations is OUT from a lot of these loans now, its been 7 years for many of them, and I want them taken off my credit report! 
my private student lender ( XXXX ) said I couldn't dismiss the loans I got. I have tried to get the paperwork from XXXX, but they wont send it. the statute of limitations ( 7 years ) has run out on a lot of these loans, and they're still on my credit report. I want them removed now. all the credit monitoring sites still have them listed, and I cant find where to dispute the listings. I need help getting these removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

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


I told XXXX, XXXX, and Equifax to reinvestigate these account : Syncb/carecredit : # XXXX, However, they stated everything was complete and accurate. But how is that possible if balance and date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Transcript
Product: Checking or savings account

I opened a business checking account with PNC Bank in XX/XX/2020. I opened the account using a promotional code that offered {$200.00} if certain requirements were satisfied. 

I satisfied the requirements and the {$200.00} should have been paid out by XX/XX/2020. 

When I did not receive the {$200.00} I called PNC bank. I spoke with a representative, who said that the promo code was not on my account. I told the representative that the XXXX XXXX should be on the account because I used it when I signed up and that I should receive the {$200.00}. She said there was nothing that she could do, but she would have someone call me. 

I have received a call back from PNC, but have been unable to connect with the person calling to resolve the issue. Whenever I call her, she does not answer. When she calls me, she does so during inconvenient times when I am unable to answer my phone. 

I just want this issue to be resolved and for PNC to honor their promotion, which induced me to sign up for the checking account.
Product: Checking or savings account

Chase bank has a feature that is supposed to alert you via text, email and/or push notification if your balance drops below a certain dollar amount or if overdraft your account. This is, in theory, a good feature. In practice, Chase routinely fails to send these notifications. Other times, they send them after they've collected any overdraft fees. On multiple occassions between XX/XX/XXXX I have had balances dip below a certain threshold and not receive any notifications on two different accounts. In one instance, a notification came after they charged for multiple overdrafts, that were processed after the cutoff time for new deposits.

This is not by any means a new problem, I have been dealing with this issue since at least 2019. After multiple lengthy exchanges with customer service representatives I have gotten some of these fees refunded. Other times they have steadfastly refused.

In my experience, it appears Chase is deliberately withholding or delaying notifications from customers in order to extract fees from their customers. I, as a customer, have tried to alert them to this problem on multiple occasions, but they have yet to correct it.

This is a service Chase markets and advises its customers to sign up for to avoid overdraft fees, but they are not actually sending out these notifications.
Product: Debt collection

I rented an apartment at XXXX XXXX in XXXX, Florida for over two years. I always paid my rent on time. I gave over sixty ( 60 ) days notice that I was moving out. This was over a year ago. XXXX XXXX is trying to claim I owe them money. I do not owe them any money. They never refunded my deposit. I did not damage the apartment in anyway. XXXX and XXXX XXXX will not remove the item from my credit report. I spoke with the office manager at XXXX XXXX, and XXXX XXXX at XXXX XXXX XXXX. They told me good luck on ever renting another apartment if I did n't pay them money. They are trying to blackmail me and extort money from me that I do not owe them. They even agreed with me that I was never late on any rent payments, and that I gave them sufficient notice when I moved out. However, they will not remove the item from my credit report unless I pay them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the account listed below violated my federally protected consumer rights to privacy and confidentiality XXXXnder15USC1681. 

Account name and # XXXX XXXX XXXX Account name and # XXXX XXXX XXXX XXXX Account name and # XXXX XXXX XXXX XXXX Account name and # XXXX XXXX  XXXX Account name and # XXXX XXXX  XXXX Account name and # XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 6018 A. states I have the righttoprivacy 15 USC 1681 section A section 2 also states a consumer reporting agency can not furnish an account without my writteninstructions.

15 USC 1681 ( a ) ( 5 ) sections state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more thansevenyears 15 USC 1681s -2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that informationisinaccurate
Product: Credit card or prepaid card

On XX/XX/XXXX there was a {$750.00} emergency cash advance using my CC out of XXXX Florida. I live in XXXX ( XXXX ) Washington. I did not make this charge. Ive never even been to Florida. 

I disputed the charge with my CC company ( BMW Card Services ) ( BMW Bank of North America XXXX theyve denied my dispute Twice. Ive spent approximately 20 hours over the phone, Ive written letters and now have a Attorney who also has written a letter.

Should shouldnt be able to happen. Hope you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$940.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account that's been reported on my most recent credit report that I have recently disputed the validity of. Upon challenging this, XXXX MUST permanently delete the account on the basis that the bureau was unable to effectively confirm all the reported information is accurate. Due to the fact that I challenged this account with the credit bureaus, I noticed that you have now verified this same account. It has been more than 30 days that the bureaus have not RESOLVE or RESPONDED to my letter sent on the XX/XX/XXXX of 2022 I was led to believe that all credit bureaus receive the same information from the creditor under the Fair Credit Reporting Act ( FCRA ) ; if that is the case, I would like the creditors and the credit bureaus to provide copies of all the documentation you used to verify this account. In the event that such documentation is not produced, please DELETE this account from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I received the a message from the credit bureau of a NON-MONETARY RELIEF, I am requesting that the credit bureau grants a MONETARY RELIEF status on my credit report to remove the collection amount ( s ). The collection agency did not remove the collections from my consumer report, PLEASE REMOVE FROM CREDIT REPORT, this is a form of communications by having it as a COLLECTION on my Credit Report and I would like the collections REMOVED ( {$8900.00}, {$3500.00} & {$1600.00} ) with XXXX, not just a " Non-Monetary '' Close, per CFPB Case # XXXX. They are using another 3rd party company to communicate with me, please see the response from them : Company responded Status Company responded on XX/XX/year> Response Type Closed with explanation Company 's Response Re : Case Number : XXXX XXXX XXXX This response is regarding a consumer complaint filed by XXXX XXXX against XXXX XXXX XXXX XXXX XXXX XXXX Complaints of this nature are taken very seriously. Moreover, XXXX XXXX XXXX, XXXX denies any allegations of wrongdoing. We are in receipt of the Consumers complaint and dispute and would like to confirm that we have notified our client of the consumers complaint and dispute, as well as the desired resolution. In light of this complaint, we have placed an immediate cease on any attempts to communicate with the Consumer. We have also added the Consumers phone number onto our Do Not Call List to ensure no calls or XXXX  can be placed. Moreover, all email communications and text messages are equipped with a self-service opt-out mechanism. To be clear, XXXX XXXX XXXX, XXXX has not and will not report this to any consumer credit reporting agencies. I hope that this addresses the Consumers concerns. If I can be of any further assistance, please do not hesitate to contact me or my office directly by phone at ( XXXX ) XXXX ext. XXXX or via e-mail at XXXX Sincerely, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX email : XXXX PH : ( XXXX ) XXXX ext. XXXX
Product: Credit reporting or other personal consumer reports

This complaint concerns XXXX 's repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my efforts to seek compliance since XX/XX/year>, XXXX has failed to address my concerns and continues to disregard the law. XX/XX/year> : I first contacted XXXX regarding potential FCRA violations related to the following accounts : XXXX. XXXX 's responses have been inadequate, consisting of stall tactics and a failure to address the specific legal violations. They have has violated my rights in accordance with 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I request the CFPB to : Investigate XXXX 's practices and compliance with the FCRA. 
Take enforcement action against XXXX for violating my consumer rights. 
Compel XXXX to remove the accounts they are reporting with out my explicit permission Order XXXX to cease and desist from further FCRA violations. I have supporting documentation, including copies of correspondence with XXXX, certified mail receipts, and other relevant materials. I have provided these documents to the CFPB.