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

On XX/XX/XXXX from my XXXX XXXX XXXX account ending in XXXX I transferred {$42.00} to my Venmo account XXXX XXXXXXXX XXXX XXXX ) The automated systems of XXXX provided me a transaction confirmation of XXXX I never received my funds, When I submitted a support incident I was advised that this was not their issue and that I needed to go back to XXXX which I did and XXXX confirmed that the transaction was XXXX and XXXX  asked me to go back to Venmo Support again . This time they they said there was no way to trace their payments and kept pushing me to a FAQ where they confirmed that I would need to get the police involved. I questioned them about that action because I was the sender and the recipient and that would be filing a false report which is against the law in most states. They stated that I could do that or go back to my bank ( XXXX ) which I did but I pressed them for information about a full audit of my account to be sent to the account on record. They have yet to action that. They also stopped communicating with me regarding my lost money. 

I use this service too much to just not trust that my transactions are not safe and I have some recourse when THEIR SYSTEMS aren't safe and they are following the guidelines that financial organizations are required to follow. 

they refused to tell me what financial organization they report to in regards t financial regulations. The closet I got was The government. I laughed as I pressed what specific organization. They refused to provide that information to me. They did say file a complaint with Consumer Finance Protection if I was unsatisfied though. 

Attached is the full communications between myself and Venmo.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$2300.00} with SECURITY CREDIT SERVICES Acct : XXXX. I do not have a contract with Security Credit Services, and was not provided the original contract with my wet signature and ID verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy reported on XXXX and Experian credit report. I disputed the entries directly with each credit reporting agency. The credit bureau responded that the information was verified by XXXX XXXX, XXXX XXXX. However, I contacted XXXX XXXX and was advised that my file has been frozen since XXXX XXXX and no information has been verified. I also contacted US Bankruptcy Court and was notified that they do not do provide information to third parties. Therefore, I conclude that the response provided to me by the credit reporting agency has not been verified and is an automatic response. I have spoken with personnel at the US Bankruptcy Court and XXXX XXXX to confirm the accuracy of my conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them information and they responded with a letter requesting the same information that was provided to them. I feel as though they're stalling my disputes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX that have been illegally reporting to credit report have been failed to be removed from my credit report, the bureau has failed to validate the account and follow the FCRA and consumer laws protecting me from the account. XXXX XXXX is past the statue of limitations. 

15 U.S.C. Sec 1681i ( a ) can not provide proof it needs to be deleted.
Product: Debt collection

Summit Financial Corporation is  stating that I owe  XXXX  different amounts on all my credit reports. I voluntarily surrendered my vehicle abo ut two m onths ago. The vehicle was sold about a month ago and my credit reports are not indicating the right amount owed. They immediately reported to my credit report that I surrendered the vehicle but has not decreased the amount owed on any of my credit reports. I was advised verbally that the amount owed after the vehicle was sold was a little over {$8000.00}. My  XXXX  Credit Report is showing I still owe {$12000.00}, my  XXXX  Report is showing I owe {$13000.00} and my   XXXX   Report also has an incorrect amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Barclays Bank Delaware, XXXX XXXX/XXXX XXXX, and XXXX XXXX. The Account Opened is Barclays Bank Delaware Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax and XXXX via certified mail which was accepted XX/XX/XXXX and XX/XX/XXXX concerning an unverified bankruptcy which was removed from XXXX who is the reporting bureau that Equifax and XXXX both verify their public records data with. Somehow, Equifax and XXXX claim that the bankruptcy information is valid based on the data provided by XXXX who provided me with a letter verifying them removing the bankruptcy data from my records. Unfortunately both Equifax and XXXX have a reputation of not doing the follow up work to either verify or dismiss information on peoples conumer reports which I believe has happened in this case. 
I also contacted XXXX on XX/XX/XXXX and spoke to XXXX, ID # XXXX to verify whether there were any inquiries submitted by Equifax and XXXX within the last 3 months to which XXXX was unable to find any record of these companies doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXt Is a Fraud account this account has already be file with the FTC previously here is a new FTC file number for this account FTC report numberXXXX Also I have a right of privacy 15 USC 6802 and 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$20000.00} Balance updated XX/XX/2021 10 late payments Account Info Account number XXXX Original creditor : XXXX XXXX XXXX / XXXX County {$460.00} Balance updated Account Info Account number XXXX Original creditor : XXXX XXXX XXXX / XXXX County {$340.00} Balance updated Account Info Account number XXXX Original creditor : XXXX XXXX XXXX / XXXX County {$2200.00} Balance updated Account Info Account number XXXX Filed FTC, Remove these accounts from my report!
Product: Bank account or service

I made a purchase to an online platform around XXXX XXXX XXXX of {$370.00} then another purchase on the same platform at app. XXXX XXXX XXXX for {$130.00}. I checked my account yesterday XXXX XXXX later in the day and the later chg of {$130.00} was on my acct online but not the {$370.00} which was the first purchase. This morning XXXX XXXX around XXXX I checked the acct the {$130.00} was gone and the {$370.00} was there. I called cust scv and they said we see the {$130.00} and it was paid although it 's not showing. They explained that sometimes the merchants will capture the pmt then take it off then put it back on as the actual charge. I am reporting this because I am really concerned about how transactions have been showing up and disappearing causing me to be overdrawn. I have been in this business since 2011 and have never ever had another bank do this, so never have I heard of the merchants system taking the capture off then replacing it with the actual pmt charge. In XXXX there was sufficient money on my acct, extra money showed up of {$300.00} & some dollars. I thought it was monies from a sale I was expecting so although I thought it was released early I did n't think much else of it. This was on a Tues I think. By that Thursday evening all that was left was {$24.00}??? When I called they told me they do n't see where {$300.00} & some dollars was ever there. First, I had enough money and was not making that many purchases for what I had in there before the extra money, to end up with {$24.00} let alone that so many transactions came through to deplete the previous balance plus the additional money so basically over {$300.00} in charges they are saying I had it 's really confusing, and now I have to constantly check my account and make pdf copies to show proof of what I see because now it 's their word against mine about this {$300.00} and some dollars. I just feel there are some shady practices going on and I think I really need to reconsider where I keep my money. This is not convenient banking if I have to constantly monitor them, do hand calculations and audits matching transactions etc.
Product: Payday loan

I have gotten a with Radiant Cash for {$400.00} XX/XX/XXXX. I pay {$47.00} every week. I had miss only one which is back of this loan. I had emailed customer service on a payoff amount. They emailed me back with {$350.00}. I really do n't think my payoff is this amount. I had made close to over {$600.00} to them which they already made a profit on me. The loan goes to XX/XX/XXXX. How can a payoff be this? They claim the high interest. This loan should be less than {$200.00} for a payoff. They are ripping us consumers off. I will never go and get any payday or cash advances again in my entire life. I need you to help me if you can. My loan started XXXX/XXXX/XXXX and that was first payment and the last payment is XXXX XXXX XXXX. Loan Id. XXXX. I want to pay these people off but what they are telling me a what I still owe, no way.
Product: Debt collection

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Portfolio Recovery Services has committed numerous violation against me but not limited to 15 USC 1692g, they did not provide with the name and and address of the original creditor and did not provide the information outlined by 1692g within the 5 day timeframe. They have committed Mail fraud pursuant to 18 USC 1341. They have violated 15 USC 1692e ( 7 ) by implying that I conducted myself in a disgraceful manner by not paying a debt and 15 USC 1692e ( 10 ) by claiming that an alleged debt was valid and stating that I owe an alleged debt when I asked for debt verification that they did not provide. They violated 15 USC 1692e ( 2 ) ( A ) by falsely reporting that I owe an alleged debt that I do not owe. 15 USC 1692b. Portfolio Recovery violated 15 USC 1681 ( a ) and 15 USC 1681b ( 2 ) by reporting inaccurate information to credit reporting agencies and doing so without my written instructions. They have also violated my privacy pursuant to 15 USC 6801 ( a ) and numerous other violations.
Product: Credit card or prepaid card

Synchrony Bank continues to randomly shut off my credit card with no advance warning and no attempt to proactively contact me. They have my phone number and e-mail address but I never find out about their issues ( usually false fraud alerts ) until my card is randomly declined. Reference previous complaint XXXX. 

Today my card was declined for a recurring bill payment and I am now responsible for a {$35.00} NSF fee with my utility provider. Making matters worse, Synchrony won't even engage with me to find out why this happened, they claim I need to prove my identity and the only way to do that is by submitting a selfie and my photo ID to them. I attempted to do exactly this and they rejected my Photo ID because it is a United States Passport and not a State Issued Driver 's License. 

Why is a valid US Passport not sufficient ID to do business with an FDIC insured and Federally regulated bank? They now tell me I have to wait for some letter in the mail, that will contain further instructions, meanwhile I have to invest hours of my time to move other recurring payments off this card, so they aren't likewise declined, and I am out that time and the {$35.00} NSF fee. 

This card has been in good standing the entire time I've had it, never paid so much as a minute late, never not paid in full, but they continue to randomly block me from using it for no obvious explanation and in this instance are not even willing to help me get past the issue without resorting to snail mail, in XXXX, all because my US Passport isn't sufficient proof of my identity.
Product: Debt collection

The FDCPA prohibits debt collectors from using false or misleading representations to collect debt. This includes claiming you owe a debt that is not yours. 

The Fair Debt Collection Practices Act ( FDCPA ) is codified in Title 15 of the United States Code, specifically at 15 U.S.C. 1692. The section that addresses false or misleading representations is 15 U.S.C. 1692e. This section prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted an Identity theft report from the FTC website to transunion twice already, i am about to send the third one tomorrow, they have responded they they will NOT remove the fraudulent accounts on my credit report which i have no knowledge were they came from. They have also refuse to provide any evidence behind their claim. i need these accounts removed immediately, i was not even in the united states when this accounts were open in my name, i also have addresses, phone numbers and names that do NOT belong to me and the refuse to remove them, harming my ability to obtaina fair credit score and report. please assist me in this matter.
Product: Checking or savings account

My claim was denied I been trying to get a reason why but nobody give me a reason. I been trying to reach the person who denied the claim for 3 weeks calling everyday and leaving voice masseage but she never called back to me. Her phone number is XXXX. This is U.S Bank.I been denied 2 times, the first time the employee on the phone put a wrong information in the system ( different information that I gave her ) and opened the claim as dispute when that was fraud claim. Then the bank charged me 4 overdraft fees and my account been like for more than 60 days because the people in the fraud department don't have any idea of how to handle this situation and I get transfer and transfer between departments.
Product: Mortgage

Dear Sir and Madam, I have been requesting to cancel the XXXX paperwork from Chase Bank. They made it difficult to obtain the paperwork and ask about the process. No forms are available online, and the only information given to obtain is PDF, call number, or mail. I want this behavior to be taken as fraud and scamming homeowners to prevent them from canceling the XXXX earlier than time. I would like to have my XXXX refund since XX/XX/year> because they avoided sending me paper.
Product: Checking or savings account

I am being auto billed, {$21.00}, for checks I dont need. XXXX, PNC customer service rep, said the checks are shipped before the auto charge is made, so the order cant be canceled and I have to pay. He said I have been on auto ship for the last few years, something I never signed up for. If you check the records you will see I have never had checks auto shipped to me, I have always ordered them online for the free checks and shipping. Plus I still have about XXXX checks from the last manual order, and since I only write a couple/few checks a month, these will last me more than a year. I dont need more checks, I use online bill pay mostly. I received a text in XXXX about the checks and went online to cancel. When I found the section about auto order, the only option was to enroll, so I thought the text was a mistake. Turns out, you have to click on enroll to un-enroll/ cancel auto order. Now I am receiving checks I dont need, and am being charged for something that has always been free in the past. Their website is deceiving that you have to click on enroll to cancel an enrollment. I realize {$20.00} is not much, and for that reason I wasnt going to complain, but then I wondered how many other people are they doing this to. Plus for this charge, I only received a XXXX  of the checks I get when I order the free checks. 
You will see on the attachment what you have to click on to cancel auto bill/ship checks.
Product: Credit card

We opened an account through XXXX XXXX and were told it was XXXX months same as cash. We set up an automatic payment that was more than enough to pay off the account in less than 18 months. My wife checked the account balance shortly before the XXXX months was up and paid what would remain after the following automatic payment of {$200.00} to close out the balance. 

XXXX months later, we received a statement that we owed {$29.00} and were late. The minimum payment was {$2.00}. The first business day after receiving this notice, I called and explained the situation to the man that answered the phone. They immediately credited the {$29.00} and I told them that my wife would contact them when she had more time to address the interest issue. He took my wife 's name and told me she would be able to discuss anything with them. 

Then today, we saw that they reported us to the credit bureaus as a 30 day late of {$2.00}. We had never received any other notice but the one that arrived last week. They claim to have called and emailed, but neither has happened. The manager that my wife spoke to today, after XXXX phone calls to have her authorized on the account because they did n't do that correctly yesterday, claimed that they had mailed us notices. When my wife asked where they mailed them, she told her that she could n't provide that information. She could n't tell us our own address? 

She also falsely claimed that our account had n't been paid consistently, even though the exact same payment amount had been applied every month that the account was open until the last payment was made. 

They refused to do anything at all to remedy this for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Capital One Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer must furnish an amount without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card as open - end consumer credit plan as a late for any purpose.
Product: Debt collection

I have a complaint against this debt collector, XXXX XXXX XXXX. They have me listed for an account number XXXX. I requested XXXX times for them to send me more information related to this account and how I could possibly owe {$1600.00}. I recall having a card with Walmart but I know I did not run the balance up so high and I wanted to see if someone stole my identity and was out making charges. They only sent me a final statement or XXXX but nothing breaking down all the charges ( including where and when they were made ). They never sent me any documents relating to me opening the account either. 
In the process of me asking for this information, I must have upset them. Instead of getting me the documents I requested, they served me with a lawsuit. On XX/XX/XXXX they filed a lawsuit against me and I have a court date of XX/XX/XXXX. All I wanted was proof that I owe this debt and that my identity was not stolen and now I have a lawsuit and I do n't have the money to pay for an attorney to represent me. 
I do n't find it to me unreasonable for me to request complete proof of the debt they claim and I find it very unfair they are now treating me this way and they are using bullying tactics. Please make sure they prove to me all the charges belong to me. I want to file for ID Theft protection if I find someone else made these charges. That is all I want. I am afraid it is now too late and I beg you to try your best to get this information for me before my court date. If I sound desperate, I am and I need your help.
Product: Debt collection

Portfolio Recovery is stating I owe a debt of {$940.00}. I repeatedly disputed this claim several times & requested proper validation of the debt several times. They have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send roughly ( 5 ) FTC reports pertaining to XXXX XXXX which is a credit card that has been showing up on my report, Furthermore, Trans Union correctly continues to remove the account, however it also continues to allow XXXX XXXX to continue to reinsert the account into the report after it has been removed for fraud. Therefore, it does not seem to be permanently deleted as XXXX XXXX continues to abuse the credit reporting process as Trans Union has not taken steps to curb this conduct by XXXX XXXX. I have since sent in another FTC report with the same information to be deleted.
Product: Credit card

I have several cards with synchrony bank that I have consistently made payments on time for years and they've lowered my credit limit to just above my balance on them to where I can't even use them. Now my credit score is dropping. I had to cancel auto pays I had set up using these cards because that's how much they've lowered the limits. I've been in good standing with them for 7 years and this is what they do.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Name : XXXX XXXX ( XXXX  ) Name : XXXX ( Equifax ) Address : XXXX XXXX XXXX XXXX ( XXXX  & Equifax ) Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) Address : XXXX XXXX XXXX ( XXXX  & Equifax ) The following account status is incorrect : XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$11.00} ( Equifax, XXXX, XXXX ) ; I was never late. 

The following items are reporting as a result of Identity Theft : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$240.00} ( Equifax ) XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$520.00} ( XXXX & Equifax ) Please remove unauthorized inquiries from my credit file : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 4 Times ) 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 ( 3 Times ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have called Transunion on numerous occasions and did several online Disputes to have the following address removed off my credit report. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX I do not understand how this address got onto my credit report i have never lived there at all. I am having even further trouble comprehending why TransUnion is so reluctant to remove clearly erroneous information off my credit report. 

This address is showing on credit report # XXXX from TransUnion. 
The other XXXX bureaus XXXX and XXXX do not have this address and all my other personal information is being reported correct!!
Product: Money transfer, virtual currency, or money service

Hello, I used Coinbase application.

On my Coinbase Account i had XXXX left, so i ordered to send them to my XXXX account on XX/XX/XXXX. 

I have never received the money on my account, so i sent them several emails to aware them. without any response. 

here is the information : Account : XXXX Coinbase account : XXXX Order : Send XXXX From Coinbase acount To XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your help, XXXX XXXX