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

There were erroneous charges on my venmo prepaid card when there were no funds on the card. I did not make the charges. 

I do not use that card very often and did not know the charge was there until the venmo agent called to collect a debt. I told the lady that I did not make the charges and she continued to ask for payment. She said she was transferring me to another department of which the line continued to ring without anyone answering. 

I went onto the venmo app on my phone to dispute the charges and the email response I received stated that they were declining my dispute.
Product: Student loan

On Thursday, XX/XX/XXXX, I logged into my bank account to just do a quick review of my recent charges. I found a double payment on my student loans and wanted to call Nelnet to figure out what happened and how to prevent it from happening again. I called them at XXXX EST and after navigating through their awful automated system, proceeded to sit on hold for! 2 hours! until a support agent answered. She was incredibly rude and made up a story that her computer was resetting just so she could abruptly hang up on me and go take a lunch break. An hour later she called me back to try and address my concerns, but had no answers. I was transfered to a supervisor who was insanely rude, didn't care about my wait time, and had no answers. The worst part about all of this is that the first support agent told me that my issue was caused by a KNOWN GLITCH that Nelnet decided to NOT tell anyone about. When I confronted the supervisor with this information, she confirmed it and said she had no more answers. When I asked the supervisor if a refund on the additional payments were possible, she said that because of how backed up they are on refunds right now, it would take at least 95 days before one would even be processed. Nelnet is purposefully understaffed and those they employ are incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS SENT AN ALERT THAT THIS COMPANT BY THE NAME OF XXXX XXXX XXXX HAD OBTAINED A COPY OF MY CREDIT REPORT WITHOUT MY PERMISSION. UPON CONTACTING THIS COMPANY THEY PLAYED CRAZY AND ACTED AS THOUGH THEY DID NOT WHAT I WAS SPEAKING OF. THEY ARE LISTED ON MY EQUIFAX CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Something on my credit report does not look right and I would like to have the account investigated. I understand that you would investigate for accuracy and i would like the account looked at. could you investigate the account listed for complete accuracy. 

XXXX XXXX, Acct # XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score, ( XXXX XXXX XXXX ; Account Number XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Debt collection

Velocity Investments has continuously harassed with phone calls and flooded my mailbox with letters from different law firms. They have yet to provide proper documentation for proof of agreement with my wet signature or contractual agreement with this agency. The constant harassment has caused great stress to my health.
Product: Mortgage

While applying for a modification on my XXXX home equity lines of credit, I was advised by the representative to not bother to pay my monthly payments because I could rest assured that I would be approved. This went on for over 2 months. I was ultimately denied the modification and reported to all XXXX credit bureaus as 2 months delinquent. I feel this record should be expunged. I have another outstanding complaint with the CFPB regarding the experience of the modification itself.
Product: Debt collection

Caliber Home Loans continues to place harassing phone calls to my phone despite being advised that I owe no debt. They call in regards to a XXXX XXXX who I have no affiliation with. In the most recent call the bill collector failed to identify himself or the company calling and what it was in regards to which is a clear violation of federal law. I call the Company back and spoke with representative XXXX who would only provide part of his name XXXX employee number XXXX. 

Call XX/XX/XXXX at XXXX Call XX/XX/XXXX at XXXX I continue to receive harassing and distressing phone calls from this company and they have now began using illegal collections tactics. I urge the CFPB to pursue an investigation into this company and their practices.
Product: Credit card or prepaid card

My XXXX  year-old mother passed away last year and had a fiduciary/insurance agent supposedly taking care of her finances. As it turns out, he stole over {$750000.00} by using her bank accounts to pay off his own loans, debts ( XXXX XXXX Discover, XXXX XXXX ), mortgage, car payments, utility bills, family trips, eating out, and just about everything that he could. He brought his house out of foreclosure and sold it less than two weeks after she died. He then moved out of state ( without telling anyone ) to XXXX, TN. 
The banking records were received under subpoena as the man, XXXX XXXX XXXX XXXX : XX/XX/83 ), who was also appointed as the executor to her will, stopped responding to requests made by the beneficiaries as well as the attorney that he hired from the law firm that wrote my mother 's will. She had accounts at : XXXX XXXX and XXXX. 

He used my mother 's bank account to pay for his own credit card bills
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX XXXX a letter asking to validate that the account does belong to me ( see attachment 1 and 2 ). I have asked for pertinent information clearly ( see attachment 2 ) and highlighted such as : agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor ; complete accounting of alleged debt ; etc. 

XXXX XXXX responded with a letter ( see attachment 3 and 4 ) that says : we are uncertain of what you are specifically disputing and a written explanation and documentation demonstrating any errors in our account information, etc.

Please see attachment 1 and 2 in which I have requested clearly to validate under the FDCPA to provide me with a competent evidence that I have any legal obligation to pay, which the said company has not done so and replied with a generic letter.

Prompt action would be appreciated.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/2024 to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule 1002 and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an old XXXX account showing on my credit report incorrectly. The account is XXXX opened on XX/XX/XXXX. Currently the account shows as a recent missed payment or recent charge off on my report. That is not accurate. I have verified with XXXX XXXX the correct dates for this account as being closed on XX/XX/XXXX and paid and closed on XX/XX/XXXX. There has been no activity on this account since. However, Experian is reporting that the charge off date on this account is XXXX of XXXX. This is not accurate. Any date or information at all regarding this account post XXXX of XXXX is wrong.
Product: Bank account or service

My account was closed by Citibank without due process due to an issue created by another bank 's process ( please refer to CFPB dispute # XXXX for other open dispute with that bank ). I was not given any reason for doing so by the representative on the phone, nor was I given a contact phone number to resolve this issue. I was unable to reach a supervisor to discuss this further.
Product: Debt collection

I have tried on several occasions over a years time to request information to try and validate a debt they claim that I owe. All they are able to provide me with is a credit card statement. I have contacted several times asking for verification with my signature or some contract with a signature in order to validate that said debt is mine. They have been unable to provide any additional information. I am not able to validate debt and there continued reporting of this debt is bringing my credit score down. They continue to mail me a letter saying I did not provide them enough information for them to conduct and investigation and they would be terminating said investigation.
Product: Credit reporting or other personal consumer reports

XXXX/Department of Education Student Loan information is incorrect on my Consumer Reports foXXXX Experian  and XXXX, per Copy B of the 1099-C Cancellation of Debt that has been provided to me by XXXX XXXX XXXX  . I do not owe a debt.
Product: Debt collection

Formal Dispute Letter for American Express XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> To Whom It May Concern at CFPB to file against American Express, I am filing a formal dispute regarding my account with American Express due to a failure to honor the terms outlined in a letter I received from your organization. 

In XX/XX/year>, I requested information regarding my account and its resolution. Subsequently, I received a letter from American Express stating clearlyon two occasions within the documentthat I had until XX/XX/year>, to resolve my account. The letter outlined that payments would be accepted until and including this date, during the hours of XXXX XXXX to XXXX XXXX 

Today, XX/XX/year>, I attempted to resolve this matter multiple times : 1. I called American Express no fewer than three times. During each call, I was transferred between representatives and departments, only to eventually be informed that my account had been sold to another party. 
2. On the third call, I was explicitly told that I could no longer resolve the account directly with American Express and would need to wait multiple days for the third-party agency to provide further guidance. 

I have taken all steps to resolve this issue as outlined in the letter, and yet American Express has failed to uphold its agreement. The inability to process my settlement on the date specifieddespite clear instructions in the letterhas placed me in an unacceptable position. I should not be held accountable for this failure, nor should I be required to resolve this debt under these circumstances. 

Desired Resolution : I request that American Express : 1. Acknowledge that this error on your part voids the terms of the agreement and releases me from the obligation to pay the settlement.

2. Confirm that the debt is fully resolved and no further action will be pursued.

3. Provide written confirmation that my account is closed with no outstanding obligations. 

Given that this matter directly impacts my financial standing and trust in American Express, I will also be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure proper oversight and accountability. 

I expect a written response addressing this matter in full. I can be reached at ( XXXX ) XXXX or XXXX for further communication. 

Thank you for your prompt attention to this issue. I recorded my calls. I have the document that was mailed to me as well. 

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

I have been dealing unsuccessfully with the 3 major Credit Bureaus ... XXXX * XXXX * XXXX, Consumer Financial Protection Bureau and XXXXXXXX XXXX for the past 2 months. I have provided the necessary information to have my accounts correctly updated, which was ONLY a name change. I have provided EVERYONE a copy of my Court Decree Name Change, my Marriage License, my new name change on my Social Security card and my new Driver 's License. I have provided this information FOUR times ... by phone, email, regular mail and Certified mail. ( I even drove 150 miles round trip to XXXXXXXX XXXX in XXXX, Alabama to HAND-DELIVER the information to complete my name change. ) The ONLY thing that I haven't done is to input this information CORRECTLY in my file myself... which I would be more than willing to do! ( At least I know that it would be done correctly ; good customer service is a thing of the past... today 's generation have no clue in regards to great work ethics and have become too lazy wanting to work remotely so they can get nothing accomplished but demand more pay for their incompetence. ) American Express did not have any problem correctly updating my account ... " Thank-You '' American Express ; you need to give lectures to your competitors on correct banking procedures. 
Unfortunately, I know first hand that it is an impossible task for company employee representatives, in today 's society, to do their job appropriately and timely. I have finally given up trying to communicate to these XXXX, XXXX XXXX that have no clue what great customer service is. 
My credit score has been between XXXX for the past 3 years ( See attached documents from my Chase Personal Online account provided by XXXX ) I have been desperately trying to get my name change resolved... AGAIN... if you check your records, you will see that ALL these accounts were originally opened under the name of XXXX XXXX XXXX XXXX XXXX then I married an XXXX XXXX he passed away in XXXX ) ... in XXXX I changed my first name to XXXX and married a XXXX. How simple is THAT... I still have the SAME BIRTH DATE and dahhhhh... my SOCIAL SECURITY NUMBER is still the SAME. How difficult is this to change on my credit reports???????????/ Yesterday I received an unexplained XXXX Score of XXXX from XXXX ( that was posted on my American Express website ) stating that my credit score had dropped XXXX points with NO EXPLANATION! XXXX!!! 
I have finally decided that I am sick and tired of all 3 credit bureaus blowing smoke up my XXXX and not doing their job. I am retaining a lawyer and filing suit against their grossly inaccurate credit reporting practices and failure to correctly investigate my disputes. My credit score has taken a nose dive for no explained or apparent reason other than the credit bureaus incompetency ... and I have had ENOUGH! 
See you in court!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card from Chase Bank for XXXX years paid it and closed the account it was opened in XXXX and closed in XXXX it has been rereported and the history is until XXXX which is false
Product: Checking or savings account

I alerted the Bank of fraudulent activity on my accounts in XX/XX/2023. I closed 3 accounts ( with your help ) but the last remaining account is still being held by the bank, and I am locked out of the account. There has been no activity on the account since XX/XX/2023, except for one XXXX deposit made by a customer of mine. 
My question to you is : How long is the bank allowed to hold my account in stasis? Is there a time limit, or can they keep my funds indefinitely? 
The bank has been less than cooperative in the past, that is why I am trying to determine if I have any rights at this point. 
Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Company reporting no longer in business. Was directed to a company called XXXX XXXX. I sent a debt validation request. Company didn't reapond
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on several attempts about these accounts and inquiries placed on my credit file. These accounts and inquiries are not accurate information .. All the inquiries are unauthorized. The accounts that dont belong to me are XXXX XXXX XXXX XXXX These accounts are fraudulent as I was a victim of identity theft
Product: Credit reporting or other personal consumer reports

my identity was used to open a XXXX ACCOUNT XXXX XXXX AMOUNT OF XXXX I HAVE ATTACHED A FTC THEFT REPORT PER THE FCRA THIS SHOULD BE REMOVED AS IT WAS OPEN BY IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

I recently discovered an account on my consumer that does not belong to me, I requested SSA-89 Form and haven't gotten any proof that bare my signature of said allege debt, this is a clear violation of my consumer rights. 15 US 1681B, please delete this item from my credit report withing 4 days of this receipt and honor 15 us 1602 c-2 the items belong needs to be deleted, Account, ( XXXX XXXX XXXX XXXX XXXX, INQUIRY 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three 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 or rectify 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

America Honda Finance please provide me with the status of any debt may be lawfully received by any debt collector for no payment of any Debt will result in seizure or sale of any property. Verify to me such action IS LAWFUL to a Consumer for personal, household uses. This would explain why a sale of any interest in a debt shall cause the CONSUMER to lose any claim along with communication which is known to be FALSE. XXXXXXXX XXXX XXXX  XXXX had failed to communicate that a disputed debt was disputed. Credit reporting Agencies have been turned over to innocent purchasers for value. Meanwhile sending out false repsentation or have been implicated that the any documents are legal process. I need all documents sent to me buy 15 days so that I can take the necessary steps to fix my Life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for a service I never received. I was only in contact with this company when they were wanting me to pay them and keep open a privacy guard account. They promised monthly contact and that was not the case. I paid for something I never received.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was on the Application offer up looking to buy a XXXX XXXX XXXX XXXX XXXX and I found one for a reasonable price. The man selling it went ro XXXX sent me the receipt of the delivery, so I sent him half of the money which was {$420.00}, after that he stopped answering after receiving the XXXX.
Product: Debt collection

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX  information XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Mortgage

I did a loan modification with Countrywide Home Loans in XX/XX/XXXX with a fixed interest rate of 6.50 percent. My loan transferred then to Bank of America and that 's when the problems started. I received a letter from Bank of America in XXXX XXXX stating that there was missing documentation from my loan modification agreement and the interest rate should have changed in XXXX/XXXX/XXXX from 6.50 percent to 9.875 percent. Well they changed my interest rate from 6.50 to 9.875 which made my monthly payment amount go up {$300.00} dollars a month. I can not afford this and I am going to lose my house if something is not changed.
Product: Money transfer, virtual currency, or money service

On XXXX I was asked to send money in an email sent by a scammer. I did not realize it at the time and I sent them {$300.00} through XXXX with Chase. Chase refuses to refund me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act. Cash App failed to take timely and effective measures to prevent fraud on my account, leaving my account vulnerable and unprotected.

Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and regulation XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/22 my Bank of America account was hacked in the amounts of {$400.00} and {$670.00}. I filed a claim with the institution and provided all documents they asked for however they denied my claim. I called back and it was reopened and I havent been contacted going on two weeks. I am on fixed income and this has caused my house note to be behind.