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

Had a credit card through Bank of America for probably a decade or more and my payment history was spectacular. Back in XXXX or XXXX of XXXX, I paid off the full balance on the card. Apparently I did have 2-3 items that were monthly charges on the card and didn't realize it. When you sign up for paperless billing, you don't get anything mailed to you anymore. So I wasn't seeing an account statement email and those charges accrued for 2-3 months before I was notified by Bank of America that I had an overdue balance, around XX/XX/XXXX. I talked to an agent and asked him to send me the last 3 statements so I could make sure I got everything cancelled and told the agent I would pay the balance in full as soon as that was received. Those statements were never sent to the address I gave, and they moved my account into their collections department. I talked to an agent in that department on XX/XX/XXXX and told him I wanted to pay the balance in full and close the account. He told me he would waive the late fees, so instead of paying {$330.00}, I paid {$260.00} and got confirmation from the agent I was paid in full and my account would be closed so nothing else would charge to the account. Then, a week or so later, I get an emailed statement saying I still owed {$65.00}. I called BOA again. I asked them to review the call I had where I was told I would owe nothing else and my account would be closed. They just kept telling me that department didn't have the ability to review calls, asked them to send that request to the department that did. Just kept getting the run-around for the agent ( and manager ) I spoke with. I just wanted them to listen to the call and call me back and tell me if they thought I was treated fairly. Telling someone an account is paid in full and closed, then sending a bill for more money I believe would fall under both the FDCPA and UDAAP regulations. On top of everything, this financial institution has gotten so big, you can't even call them without getting transferred 2, 3, 4 times, placed on hold, using hours of your day to try to resolve an issue. It's almost like they want to make it so hard that people will just drop their complaints and just pay the bill, whether it is collected fairly or not.
Product: Student loan

On XX/XX/XXXX, I spoke to a member of the Wells Fargo XXXX XXXX XXXX team about deferment options and the possibility of adjusting my due date so that I do not continuously incur late fees. This conversation was a pro-active effort to explore my options before I had to move. I was told verbally that neither deferment on my loans due to a financial hardship ( I was moving at the time ) nor adjustments to my due date were an option. 

I have continuously called and made partial payments during this time : XXXX {$310.00} XXXX {$560.00} XXXX {$150.00} XXXX {$560.00} XXXX {$660.00} XXXX {$400.00} XXXX {$400.00} I now owe {$550.00} in late fees even though I communicated that the due date was after my pay day. I have a balance of {$2000.00} for my student loan payment and I have not received written notification that deferment and/or a revised repayment plan is not an option. I communicated to the Wells Fargo XXXX XXXX XXXX team I was still trying to make a good-faith effort to make payments and wanted to see if what my options were. I was not informed of any additional options and the snowball effect of late fees and a two-month hardship caused me to fall behind. 

Lastly, I was assigned a researcher named XXXX XXXX on XX/XX/XXXX ( it has been over XXXX business days ) and have not been contacted by him to follow up with my inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a brand new treadmill from XXXX ... they financed me through Fortiva retail credit ... but when I received the treadmill it was not working and it was supposed to be new, so I decided to send it back and get a refund .... when my 1st payment was do with Fortiva I called them and explained that I was returning the machine and asked them if they can freeze my account until the problem got resolved ... they said they couldnt freeze it but they would waive the late fee for that month and I would have to pay the installment the following month ... by the time the 2nd payment was do I explained to them that XXXX had already picked up the machine and I no longer had it in my possession ... I told them that XXXX was going to refund Fortiva the full amount financed and it would take from 7-10 business days ... i asked them I didnt want to see the delinquent marks on my credit report .. I seen on my credit report that I had a delinquent report so I called Fortiva back and asked them if they could not report me being delinquent because it was affecting my credit score ... they said they couldnt stop it because it was automated .. I explained to them that I had no control over when they were going to be reimbursed ... they want me to contact XXXX  and tell them what is going on ... I have been calling XXXX  for 2 days now and still have not been able to get through to them ...
Product: Credit reporting, credit repair services, or other personal consumer reports

13 inquries were filed on my credit report dates filed : XXXX & XXXX. These lenders has tremendously impacted my credit scores I have XXXX collections as well XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I am FILLING THIS COMPLAINT because the following inaccurate imprecise information in my credit report. The items are listed below : XXXX : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Equifax : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

I'm looking to change my repayment plan to something more affordable for monthly payments. I have applied for the XXXX  repayment program through Mohela. My account is not up to date, there is a message that the change is " processing '' for an indefinite amount of time, and I can not reach Mohela for customer support. 

If it's going to take months ( and it seems it is ) for them to process my application, then I'd like to be placed in forbearance until they have completed it. This way I'm not paying a monthly charge that does not accommodate my current and up-to-date situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. Security Freeze Request : a. I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
b. This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : a. A copy of my drivers license or government-issued ID. 
b. A copy of a recent utility bill or bank statement confirming my current address. 
c. A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

An ad was placed for a musical instrument that I was interested in. After many communications, the seller gained my trust and requested a down payment to hold the item for a few days when I could go and pick it up locally. I made a payment of {$100.00} using XXXX through my Chase banking account on Saturday, XX/XX/2022. The seller then stopped answering my communications and blocked my cell phone. I immediately called my bank ( Chase ) and requested that they stop the payment which appeared as " pending '' on my statement. They said they were unable to do so and sent me to their fraud claims department. After I was transfered, they were unable to make a formal fraud claim with XXXX and told me I had to do it myself. I then had to call Chase for the third time to get a transaction number in order to file a claim with XXXX, at which point I received a generic email in return with no indication that I'd get my money back.
Product: Money transfer, virtual currency, or money service

We sent {$200.00} deposit via Paypal for a puppy dog. we later found out it was a scam.

Paypal can release other party 's information only if ordered by a court. my bank is trying to somehow get money back with cooperation with Paypal. Refunding is not as easy of sending money. money sent to  XXXX XXXX and XXXX XXXX
Product: Credit reporting

Today I received in the XXXX Mail a credit report from " Experian '' dated " XXXX XXXX, 2015. '' On " XXXX XXXX of XXXX '' under the " Addresses '' section it falsely states that I live at " XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ; XXXX, MN ; XXXX. '' I have worked for the State of California for over 27 consecutive years now and live in XXXX, California. I have never visited " XXXX '' let alone ever lived there. Once again, I am the victim of ongoing " Identity Theft. '' I called up " Experian '' and they refused to " delete '' this false address.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry dated XXXX XXXX2016 is reporting on my credit. I did not authorize anyone employed by Bank of America to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company. Did not receive a response or proper resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and 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 to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for 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 USC 1666b ( 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. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

When I checked my Credit reports I noticed " XXXX XXXX '' collection agency was trying to collect money from me. 
I asked them to validate any contract I had with XXXX XXXX and all they do is send me something from another entity, I have, had no contracts with XXXX XXXX ever, past or present, why would I give them anything? 
The contract I may or may not of had with the entity they are showing me has nothing to do with my obligation to another INC. LLC or other corporation such as " XXXX XXXX '' in this fraudulent attempt to collect a debt, without validation from their specific company, Convergent. 
I want XXXX XXXX to remove me entirety from my credit reports.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I am writing to formally dispute inaccuracies related to the account listed below on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), I am requesting an immediate investigation and removal of these account if it can not be verified as 100 % accurate. 
The accounts : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. 
Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of all information on my credit report. If this information can not be verified or corrected to reflect complete accuracy across all three credit reporting agencies, I demand that it be removed from my credit report immediately. Additionally, I am requesting that you complete this investigation and provide a written response within 30-45 days of receiving this letter. Failure to address this matter appropriately will result in my pursuing legal action to collect {$1000.00} in damages for each inaccuracy, as provided for under the FCRA. I expect prompt action to resolve this matter. Please send a written response to the address listed above or contact me at the provided phone number or email address. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Mortgage was supposed to be protected by the CARES Act and was supposed to have payments paused during the pandemic. My other mortgage had the payments paused, but this one didn't even though I called them, requested it and was approved. I have reached out to them and they acknowledged it was a mistake, but they have yet to fix it on my credit report. Now it's reporting late and I have no way to refinance and pay off this loan.
Product: Mortgage

I wanted to pay off my loan, so I mailed a check for an amount which included the monthly payment and slightly more than the principal balance. I indicated that I wanted the excess {$9500.00} to pay off my loan. The check was cashed on XX/XX/XXXX. 
I received my next payment coupon and it showed the {$9500.00} had been put into a suspense account and would be used to make future monthly payments. 
I immediately called on XX/XX/XXXX and I was told the following. The money in the suspense account would be returned to my checking account within 9 business days. I have to wire the final payoff. I asked for the payoff amount and wire instructions and was told they need to be mailed to me, and I should have it in 4 business days. 
It is now the 10th business day and I have not received payoff instructions, nor has my {$9500.00} been returned to me. 
I want my money applied to the principal or returned immediately. I want the payoff amount and wire instructions immediately, not in the mail.
Product: Money transfer, virtual currency, or money service

Venmo purports to be a money transfer service when it is in fact operating as a short-term XXXX equivalent . In its customer service rep 's own words, Venmo " fronts '' money that is paid to designated recipients immediately yet doesn't take payment from the sender 's bank account for XXXX days. 

This distinction becomes important for my own recent horrific experience : I initiated what I thought was a transfer but quickly noticed the originating bank account was XXXX that I had previously closed. I was unable to cancel the " transfer '' because Venmo had immediately deposited funds into the recipient 's account. Under the mistaken impression that this transaction would function like any actual transfer ( ACH, etc. ) where both the account and fund availability would be verified before flow of funds, I replicated the " transfer '' from an open account with the effect of Venmo immediately delivering to the recipient twice the intended amount. 

Within a couple of days, it became evident to me that Venmo had duped me into redundant transactions by purporting to be a transfer service rather than the " pay now, repay later '' fronting business they actually operate. I learned this through persistent account freeze emails from both Venmo and PayPal to my great disappointment since any real transfer service would first verify/validate the account then confirm fund availability rather than creating a fictitious transfer by " fronting '' funds they expect to be paid/repaid soon thereafter. 

When I called Venmo customer service in an attempt to set straight, the first call went straight to a collector who threatened to put me into collections status if I didn't pay immediately. Having an XXXX credit score and only XXXX missed payment in 30 years, this was naturally alarming. When I eventually talked their payments specialist off that ledge, he transferred me to an equally unhelpful customer service rep whose basic stance was " pay the money we duped you into redundantly sending or we'll send you back to collections. '' There was XXXX consumer-friendly concession that Venmo may have been in the wrong or could conceivably meet me in the middle. 

Although that rep was unwilling to help in any capacity ( except to send me back to collections ), he did provide the " fronting '' explanation that forms the basis of this complaint. Of course, he immediately denied the position he had articulated when I informed him that my next step would be a CFPB complaint. 

I believe that Venmo needs to be held accountable for deceptively purporting to be a transfer service like XXXX or even their sister/parent company PayPal when Venmo are undertaking none of the standard verification/validation measures available in abundance through any number of service providers and, in fact, industry standard for any legitimate transfer/payments service.
Product: Credit card or prepaid card

Account for Kohls was paid off in full XX/XX/18 - cleared my credit union on XX/XX/18. 
As of today XX/XX/18, account still shows no credit available. I called three times in the past 4 days and they gave me the same excuse - it takes a while for it to clear.
Product: Checking or savings account

A retirement and cash balance dispersed to me from Wells Fargo and I deposit to my Wells Fargo account at ATM and right away ATM available can used XXXX but then at branch processing they see a large check amount and employee right away placed a hold entirely of total amount for one week and did not follow the hold regulations for straight 7 days, I then right away call to phone bank for customer service and I explained to them no one can not help, then called branch manager at ATM where I make deposit, her name is XXXX and I explain to her, she responded to me that nothing she can do, come to she her on XX/XX/XXXX, she has to time for me, she and all employees from XXXX and XXXX XXXX branch is very bad customer service. No one in charge for XXXX branch, and I ask for district manager to respond that they not allow to provide names or contact information. Now my account being overdrawn and overdraft from my personal line of credit and credit card, I am so ungrateful the way they treated me and other customer. That why I am complaining hopefully they can do something about my account and clear my credit, and change the way Wells Fargo training .Now I need them to straight out and fix the problem for me pay me back all the fees plus my time is value and my compensation will provide.