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

On XX/XX/XXXX, I submitted a dispute on a charge that I did not authorize. I submitted evidence from the merchant stating that the money had been returned to the bank. However, because the charge was originally made with a different bank, and the account was transferred to this new bank, they have not been able to reconcile the dispute in a reasonable manner. Additionally, through the dispute resolution process, pertinent information was withheld in what seems like an attempt to not resolve the dispute and I will detail that here. I received an initial email notification on XX/XX/XXXX stating the dispute was opened, but was not informed of a dispute resolution process. On XX/XX/XXXX, I received an email stating that the bank had been trying to contact me, and I have no record of their attempt to contact. I contacted the dispute resolution department team shortly afterwards, and a crucial piece of the process was not disclosed to me. On XX/XX/XXXX I was notified via email that the dispute was closed, in that communication I was not informed of a reopening process. On XX/XX/XXXX, I called the same department and spoke to a supervisor. I was not offered a chance to reopen the dispute, nor was I informed of a withheld piece of information. Instead, I was directed to submit a formal complaint to a different department, which I did. The executive office followed up with me the next day, and encouraged me to reopen the case within their communication. On XX/XX/XXXX, I attempted to reassert my claim, but was informed I was not able to because I was outside the time limit on a right to dispute, which ended on XX/XX/XXXX. There are two issues that I have with this overall - First, I have documentation from the merchant stating that the charges have been sent back to the bank. And second, I went through an entire dispute resolution process, and was not informed of a policy until well after the policy expired.
Product: Vehicle loan or lease

Used XXXX XXXX XXXX was purchased in XX/XX/XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, CA XXXX and financed with Premier Auto Credit. The vehicle stopped working XXXX XXXX shortly after the 30-day warranty expired. The engine stopped working. I contacted XXXX XXXX XXXX about returning the broken vehicle. They said I would be breaking my contract if returned. I asked to have the engine repaired by them, but they refused. I requested XXXX XXXX XXXX to pick-up the vehicle and it took approximately six months for them to do so. I continued to make payments on the broken vehicle for one year until I could no longer afford the payment in addition to another payment for a working car. Premier Auto Credit transferred my loan to XXXX XXXX XXXX. Premier Auto Credit is charging {$5.00} per day in interest plus fees. As of XX/XX/XXXX, they are asking for {$19000.00}. My balance before charge-off was {$9300.00}. They have added {$9000.00} in interest and {$590.00} in fees to my balance as of XX/XX/XXXX. I believe XXXX XXXX XXXX knowingly sold me a vehicle with a bad engine. Other customers have shared similar experiences.
Product: Credit reporting or other personal consumer reports

I previously filed a report through CFPB with reporting issues with Experian and XXXX. Some of the unauthorized inquires have never been removed : EXPERIAN 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/2023 I received a Venmo transfer of {$1000.00} to my Venmo account. This {$1000.00} is child support. On XX/XX/XXXX I tried to transfer this into my bank account. It would not transfer. A couple of hours after that, ( Meaning hours in the middle of the night ) I woke to my Venmo account being suspended. I received an email from Venmo stating that my account had been frozen and that I needed to provide proof of identification. I immediately emailed a copy of my government issued driver 's license. I did not hear back from Venmo until XX/XX/2023 stating that my account has now been deactivated due to activity that is in violation of their user agreement. Upon reading through their entire user agreement policy I found nothing that demonstrated any actions by myself that was in any violation. Venmo did not provide any description of violation. I have sent numerous emails to customer service for an explanation and a request to release my child support money. I have called their customer service number which only allows you to use automated prompts but not speak to anyone. I have sent emails each and every day requesting my money as well as an explanation from Venmo. I receive the same emails from different " team members '' from Venmo stating the same " copy and paste '' responses or automated responses.. I do not use Venmo regularly and when I do it is consistent and with the same people or local community events. I have received child support through Venmo. This has created an extremely stressful situation for myself and my family. I am not certain how Venmo can hold {$1000.00} of my money. This money on all accounts is legally my money, my child support money. I am in great need of this money. After doing a tremendous amount of research on the Venmo company it has been brought to my attention that this is something they have done to thousands of customers. How is this legal? The fact that they have no means of speaking with a live customer service representative screams " scam '' to me. How is this not criminal? Venmo has created a major issue in a household. I have filed complaints with the XXXX XXXX XXXX and after seeking legal advice it was recommended that I file a complaint with CFPB. This is now my third step to retrieve my money. I have contacted legal assistance on this matter as well, Venmo needs to return my {$1000.00} immediately. This is child support!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was removed from account and then it repapered.
Product: Money transfer, virtual currency, or money service

Heres the full text combined with the continuation : I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I did a balance transfer, and it took place on XX/XX/2022. My due date was XX/XX/2022. The transfer was confirmed by XXXX card on XX/XX/2022. On the XXXX of XXXX Aspire charged me interest, yet I had a XXXX  balance. They posted my payment on the XXXX and then later through an investigation realized I WAS CORRECT and removed the late fee but to date has refused to remove the interest and KEEPS TELLING ME they are reviewing it when I ask again and then charge more interest. They have been extremely difficult and string you along for hours in chats, mocking you as well as in emails, all the while telling you they need 2- business days to review and NEVER RESPOND.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax for maintaining inaccurate address information on my credit report. Despite multiple attempts to correct these errors I have provided Equifax with : Proof of identity Proof of address A copy of my credit report highlighting the incorrect addresses Despite providing the necessary documentation, these inaccuracies remain unresolved. I request that the CFPB intervene to ensure Equifax investigates this matter and updates my credit report to reflect my correct address. Please confirm in writing that these corrections have been made and provide an updated copy of my credit report once the changes are completed. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax many times by phone and email in the past 2 years to get my credit report accurate and up to date, my call goes to the XXXX because there are apparently no customer service offices in the United States, as a result my phone company also charges me for the calls even though it 's an XXXX prefix! 

My next problem is that when or if they actually do remove something it comes back again and again even though I have already paid it off. They also use two different names for the same company that they say that I owe money to even though I have been making monthly payments for almost 2 years on the account!
I also have at least 9 hard inquiries that I did not authorize and every time I have asked Equifax to remove them because I did n't authorize them they do n't do it! 

There is also an account called XXXXXXXX XXXX XXXX Info that was reported in XXXX of XXXX. It does n't say what it is or anything else, the amount supposedly owed by me is {$1.00}, XXXX. If it 's the tax lien that keeps showing up on my report that I have disputed several times, that was paid off in XXXX of XXXX when I sold my home. I have told them about it again and again and yet it 's still on my credit report! I need to know what this is ... this is very frustrating when you are a very hardworking tax payer and you do everything that you are supposed to do and yet it is n't done right by the people who are supposed to be correcting it! Please help me to get my credits reports corrected in a timely and accurate manner, thank you!
Product: Checking or savings account

My phone was stolen in XXXX XXXX XXXX XXXX XXXX XXXXXXXX the Criminals had passwords and access to my XXXX XXXX, XXXX XXXX, banking accounts, routing and account numbers. etc. they spent the next XXXX days trying to fleece as much out of me as possible. 

they used XXXX XXXX ( XXXX XXXX XXXX  ) and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) applications to draw money from My BMO Harris, XXXX, and XXXX XXXX  accounts to make XXXX transactions with the phone 's XXXX XXXX XXXX XXXX XXXX  etc. 

they never once used my debit cards to make purchases, they only ran up my {$2000.00} credit on XXXX XXXX, and then would transfer payments from my accounts to allow them to lower the balance immediately and thus make more purchases. they made purchases from XXXX XXXX to XXXX TX, while i had returned home to XXXX. 

when I called XXXX they where responsive, blocking all transactions and reversing anything and everything. 

XXXX XXXX  tried, but wasn't as successful. 

XXXX XXXX also non responsive, the best i could do was try to change my XXXX password they told me. which was hopeless as the criminals would do the same and revert the card back on for more XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX ( XXXX XXXX ) were also non responsive. 

BMO Harris completely failed. After numerous phone calls trying to explain the situation i was continuously put on call center help in XXXX, who proceeded to tell me there is nothing to worry about, my debit card has been locked and is secure. I tried to explain to them it wasn't the debit card, it was the Payment transfers going to XXXX XXXX and XXXX XXXX that needed to be stopped. Needless to say they couldn't stop {$6000.00} in transactions. 

My BMO account had only XXXXXXXX XXXX which is why i DONT understand how they allow XXXX in additional payments/transfers to XXXX XXXX to occur ? WHY didn't it just stop after XXXX? everyone could have lived with that, but they allowed almost XXXX that. 

NOW mind you i went into my local BMO Harris branch within XXXX hours, with a XXXX XXXX police department Police Report and was given a new bank account and was reassured i would be reimbursed the XXXX dollars stolen from me. which they did do. BUT within XXXX months time, with no warning, with no paper work, with some internal investigation they decided to REVERSE the XXXX, putting me in the negative, causing late fees on my XXXX XXXX, and more. making my XXXX XXXX XXXX a nightmare. it was embarrassing and cost me even more money. They told me for no good reason they had decided to reverse the original decision and Stole from me just like the Thieves did.

all this from a bank who Falsely advertises how secure their customers are. I want to SUE! my Lawyer tells me this is RICO. at this point my credit has been locked for safety, XXXX XXXX canceled my card also a year later with no notice either. 
I don't see how XXXX dollars makes up for all the hardship these banks actions have caused me.
Product: Credit card or prepaid card

I am currently transitioning out of an abusive relationship so I have stayed in a couple hotels. 
The hotels I stayed placed an incidental hold on my card at the time of check in and released the hold at the time of check out. 
These are the only funds I have at this time due to my situation and XXXX is making it impossible for me to access the funds until over a month from the date of the hold. When I originally called they stated that all I would need is a Merchant Release Letter from the Hotels, which I was able to coordinate and the document was sent to the email address XXXX  provided to have funds released. Since this has happened I have had no luck accessing my funds, everytime I call they ask me the same questions what email it was sent from and the date and time they continue to tell me they have not recieved it and to call back in 24 to 48 hours. I have had the hotels resend the documents and I still have no success. No one at XXXX  can give me any more information. 
The 1st transaction was on XX/XX/2018 and they say it won't be released until XX/XX/2018 even though the hotel has sent the MRL. 
The second transaction was on XX/XX/2018 and they say it won't be avaiable until XX/XX/2018 even though the hotel has sent the MRL. 
I have explained my situation so many times to the representatives and their supervisors and I am getting nowhere. I am very fruatrated as I don't have any othet form of funds right now.
Product: Student loan

I have tried paying back my XXXX XXXX XXXXs through Nelnet several times using their website and or automated telephone system and several times it has been rejected. I took their suggestions of re-entering my routing and account information several times and no success. Regardless if I pay through their automated system or their website. The only way I have managed to pay is on the phone with one of their agents only using a one time debit payment which is incredibly inconvenient because they have long wait times for their phone agents and only certain hours of operation. Each time I have this issue, I bring it to the attention of their agents but no one seems to understand what is going on. I have been told several times by their representatives that several different customers have been having the same issue. It is extremely pestering to pay and I feel like there is no solution and I have been going through this since XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my information in a data breach. My personal information is now public and compromised. I am now at risk for fraud and identify theft.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following inaccurate item reporting error. Transunion has failed to delete the negatively reported debt from my credit profile. XXXX XXXX XXXX. Account # XXXX, for {$7500.00}, is closed and was settled, and taxes were paid via the attached 1099-C for 2020. 

I have sent Transunion many letters requesting that they investigate this account, which I believe is reported incorrectly. This is a violation of the Fair Credit Reporting Act. 

Under the provisions of the Fair Credit Reporting Act, I would like to ask that this inaccurate account be removed from my credit report as soon as possible. 

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

On XX/XX/XXXX I logged into Lexus Financial and made a monthly car payment in the amount of {$550.00} which was due XX/XX/XXXX. Lexus reported me to the credit bureau for being late. I. Contacted customer service on XX/XX/XXXX to inquire and the customer service representative stated, although our records indicate that you did in fact logged in on XX/XX/XXXX before midnight and submitted the payment, being that it was after business hours as well as a Saturday, the payment posted on XX/XX/XXXX. I tried speaking to a manager since I have been a long time customer and have always made payments on time for both cars which I am currently leasing, however, the manager refused to remove the late payment from my credit report.
Product: Mortgage

Huntington Bank merged with Chemical Bank who had purchased the HELOC that I had with TCF Bank. On XX/XX/XXXX we received a Pay-off letter in the amount of {$190000.00} with an additional calculation of {$26.00} to be paid for each day after XX/XX/XXXX that was required for the title company to issue payment. 

My title company paid {$190000.00} which represents and additional 17 days interest to pay the account through XXXX XXXX. Huntington Bank claims to have received the funds on the XXXX XXXX XXXX but is stating that the funds were insufficient to pay-off the account and now continues to bill me in the amount of XXXX XXXX  monthly. 

The cap on this HLOC was in the amount of {$190000.00}. I asked for a forebearance/deferment on the required interest payments in XX/XX/XXXX due to Covid 19 and did not pay XXXX - XXXX payments. resulting in a deferred amount of {$2500.00}. I made up these missed payments in the subsequent months and my HLOC once again became available for my use in XXXX XXXX XXXXXXXX. 

Specifically, I have repeatedly requested Huntington Bank to provide an accounting as to how a {$190000.00} max HLOC required a payoff in the amount of {$190000.00} and how {$190000.00} was not sufficient to pay this loan in full. The response I continually receive - over the course of the past 3 months of attempting to resolve this dispute is for Huntington to continue to provide me with and explanation that contains incorrect math. I am being told that the {$190000.00} created a shortfall to the {$190000.00} demanded in the payoff. I have been told that there is an additional calculated interest for the month of XXXX- even though it is already calculated within the pay-off demand and that the deferred interest has not been paid such that they now deem me responsible to pay an additional {$720.00} to pay-off and close this account. Never have they provided me with the day-to-day ledger for the life of the loan as I have requested. This loan began in XX/XX/XXXX and was scheduled to be closed in XX/XX/XXXX. There should be NO difficulty in issuing the 4 years - 48 months of statements and records that should prove that the loan has in fact been paid in full and that there is an overage due to be reimbursed. 3 months of letters, phone calls and emails and yet no one has actually taken the time to properly audit this loan and get a solution.
Product: Debt collection

I recently discovered a random collection account on my XXXX report. I have never received notice of this collection. I have attempted to contact the collection agency by calling their recorded line, but they refused to provide me with any information about the account. The law requires them to provide me with a written notice before reporting this account, as well as the name and address of the original creditor. Instead, they tried to charge me for looking up my account. They wanted my full social security number, address, D.O.B. as well as my personal payment information. I have filed complaints with the XXXX XXXX XXXX and the Consumer Financial Protection Bureau. I demand that this account be removed from my XXXX report, as it violates my rights. Attached is the only relevant data I have on the matter.
Product: Credit reporting or other personal consumer reports

i went to open a bank account and the bank says that chexsystems is reporting XXXX account so they couldnt open my bank account,,, ,that account is not mine,,, ,ive never seen or had that account ... .i sent a letter requesting it be deleted and the mail was returned ... .i send it to the address they publish on the white pages and it was returned ... due to this inaccurate reporting i cant even open a bank account and now they are violating my consumer rights by not accepting my letters... .they are causing me financial damages at THIS POINT
Product: Checking or savings account

I opened an account with BMO Harris Bank on XX/XX/XXXX using a coupon I received from the bank for a promotion in which I needed to completed the three following offers to receive a bonus of {$700.00} total : Offer 1 Get a {$400.00} bonus when you open a checking account and complete the following activities within the first 120 days : Have a total of at least {$6000.00} in qualifying direct deposits, enroll in BMO Digital Banking and set up paperless statements, and make at least 10 qualifying electronic transactions.

Offer 2 Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days. 

Offer XXXX - Get a {$100.00} bonus when you open both accounts with your promo code! 

I followed the directions exactly as the email with the coupon directed and inserted my Promo Code XXXX ' into the box which should have prompted the website to open the two accounts associated to the promotion code. When I spoke with the BMO Harris Bank customer care person they confirmed that they had a problem with the link that was opening up the wrong type of account for 'Offer 2 ' above. It opened a 'Statement Savings ' account as opposed to the 'Platinum Money Market ' account it was supposed to have opened.

I called when I noticed the account type didn't reflect the promotion to alert them of the error on their end. The customer service agent said they weren't able to modify the account type, but I should keep the {$10000.00} in the account and call after 90 days to receive the additional {$200.00} for completing Offer # 2 and {$100.00} for completing Offer # 3 above. When I called on multiple occasions they were unable to honor their promotion and as of today, XX/XX/XXXX, I have only received {$400.00} total of the {$700.00} I was supposed to receive.
Product: Checking or savings account

I received a letter form Bank of America stating that i have opened an checking account but i DID NOT. So I called and spoke to an agent from fraud dept. stating they will look in to it and I will receive letter from them but never happen, but instead I received another montly checking letter update this month XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquires are on my credit report as of XXXX XXXX, XXXX 2019. 
These inquires have dropped my credit score by 100 points.
Product: Debt collection

Filed a report with XXXX and XXXX. Requested information on debt owed multiple times.
Product: Student loan

Navient has over charged me on my student loans. I have been paying them and instead of my loans total decreasing they have increased. Please investigate.