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

On XX/XX/2023, I was experiencing problems with my XXXX XXXX. I did a XXXX search to obtain the telephone number for XXXX support, and was provided this number ( XXXX. I called the number, and spoke with someone, who said that he was a member of XXXX XXXX. During the course of our conversation, I was told that my XXXX were still under warranty, and that I would be receiving a replacement in the mail at no cost. 

In order to verify my address and identity, I was asked to provide a credit card for that purpose. My credit card was not available at the time, so I was asked if I had Cash App XXXX XXXXXXXX. Even though I was repeatedly told that no money would be withdrawal from my account during the verification process, the person pretending to be an XXXX employee manipulated me into making the following fraudulent transactions : {$1400.00} unauthorized withdrawal from my XXXX XXXX XXXX XXXX account. 
{$410.00} unauthorized withdrawal from my Cash App account ( see attachments ). 

Under the circumstances, I had no reason to believe that the person I called was not an XXXX employee, and as a result, I was manipulated into using my Cash App to make the above mentioned fraudulent transactions. I filed a dispute with XXXX regarding the {$1400.00} unauthorized transaction, which is currently under investigation ( see the attached XXXX emails ). 

With regard to the {$410.00}, I am requesting that the Consumer Financial Protection Bureau investigate the {$410.00} dispute with Cash App and take appropriate actions. In accordance with the Electronic Fund Transfer Act, the transaction was fraudulent, and therefore unauthorized. The relief sought is that Cash App credit my Cash App  account in the sum of {$410.00}, the amount of the fraudulent transaction. For questions or additional information, I can be reached at ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted through dispute letter and vocal communication multiple times, both XXXX XXXX XXXX  and Equifax. both blame each other for being unable to remove errors or delete incorrect accounts. XXXX XXXX XXXX  has verified dispute letters even though the information was incorrect, inaccurate, or incomplete. The information I am using is from an Equifax report which has been verified by XXXX XXXX XXXX. The Equifax Report is dated XX/XX/XXXX. The Confirmation # XXXX. The account from XXXX XXXX XXXX  reported in the Equifax report is Account Number is XXXX. I contacted XXXX XXXX XXXX  to obtain a payment history, they were unable to find the account or its history. The account was opened XX/XX/XXXX ( 11 years ago ). There are many errors on this account. The account is missing High Credit and is blank ( Error 1 ). The Credit Limit is also blank and missing information ( Error 2 ). The Terms Duration is missing information and blank ( Error 3 ). The Months Revd is XXXX which for this loan is Incorrect ( Error 4 ). Amount Past Due is blank and missing information ( Error 5 ). The Date of Last Activity is Reported as XX/XX/XXXX, This is Incorrect The date of Last Payment is XX/XX/XXXX ( 34 months later ) ( Error 6 ). The Actual Payment Amount is Missing ( Error 7 ). The Scheduled Payment information is missing ( Error 8 ). Date of 1st Delinquency is blank ( Error 9 ). Date XXXX XXXX XXXX reported is missing information ( Error 10 ). This account according to XXXX XXXX XXXX  was opened XX/XX/XXXX with the last payment reported asXXXX ( 7 years later ), Yet there is no payment history. The payment history is missing ( Error 11 ). by law FCRA Sections 609 and 611 require creditors and credit reporting companies to report information accurately and correctly. Ifthey can not the account is to be deleted from the consumers report. This report has many mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on a vacation in XXXX and my wallet got stolen. Two of my credit cards were used at a vendor that does not exist in XXXX, XXXX, 2019 for the amount of {$4300.00} at XXXX XXXX XXXX XXXX, which does not even exist if you XXXX the vendor. 

My other credit card XXXX, immediately refunded the charge, but my Bank of America XXXX credit card, did an investigation and said that the chip was inserted and there was a signature, so it was not fraud. Again my card was stolen, so yes someone may have put my chip in a reader and forged a signature, but I was never even presented the signature that they saw or verified against whether it looked like mine. Additionally there is no evidence that I was ever at this place by video or picture. 

The fraud was denied and appealed 5 or 6 times, with no real explanation and then finally they told me it would not be refunded and I would have to take it up with the credit bureau. But while it was under investigation I would not be responsible for the charge. So i did not pay the balance and now my XXXXredit score has dropped from an XXXX to XXXX. And all the credit bureau said was that my credit score was fine, they did not investigate the fraud any further. 

I have finally paid the balance to reduce further drop in credit score. I need help getting this solved, getting my money back and getting my credit score fixed.
Product: Credit card or prepaid card

The incident occurred on XX/XX/XXXX when I accidentally left my phone and and serve prepaid card at the store. The last transaction that I had made was at an atm in the amount of {$200.00}. Due to the fact that I was getting ready to go out of town ... and on my phone my XXXX account information was automatically saved into my phone. When I realized that I had left my phone and card I went back to the store to get it but it had been taken. When I returned from out of town that Monday the XXXX I reported and sent in the dispute form to serve and in the XX/XX/XXXXthey denied my dispute because XXXX said that these items were shipped to my address that I received them but when I look on my XXXX account it says items were left on front porch. I was out of town and then they caught one of them and returned item to shipper and it was received on the XX/XX/XXXX and I have yet to receive the refund for that item in the amount of XXXX. And my XXXX account is on hold because they withdrew payment for all of those items but at the same time there was also two charges made at XXXX XXXX to my card while I was out of town. I have filed a complaint with the XXXX XXXX XXXX as well asking to show proof that I made these purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts at XXXX XXXX which were both closed in XX/XX/2023 however XXXX XXXX has willfully and inaccurately reported both accounts as OPEN to Equifax on XX/XX/2023 in complete disregard to the FCRA and Metro 2 protocols. When I closed my account I warned XXXX Bank that I insist on immediate reporting to every CRA of the closure otherwise I would seek {$1000.00} in statutory damages for every willful FCRA violation yet XXXX XXXX still has willfully reported my closed account as OPEN. I demand {$1000.00} in statutory damages plus permanent deletion of both accounts from every CRA.
Product: Credit card

On XX/XX/year> I spoke to XXXX and informed him that my identity was stolen by an XXXX employee and he stated he closed the account and marked it fraudulent. I have received postal mail about the payments and setting up the account after informing Synchrony it was fraudulent and today I received an email that they are replacing the " stolen or lost card ''. They have allowed this person to regain access to my old closed and previously notated fraudulent accessed account.
Product: Money transfer, virtual currency, or money service

To whom it may concern, On Monday, XX/XX/XXXX, I considered a money transfer into my Venmo account for {$670.00} dollars. Venmo offered the transfer service to me, stating that the money would be available in my account to use on Thursday, XX/XX/XXXX. Given that timeline offered by Venmo, I decided to proceed with the money transfer that day - XX/XX/XXXX, expecting my money to be available in my Venmo account on XX/XX/XXXX. 

The money was debited from my XXXX account on XX/XX/XXXX, and deposited into Venmo. 

Nevertheless, its Friday, XX/XX/XXXX, and my money isn't available yet in my Venmo account. I contacted customer support, and they didn't resolve the issue. Furthermore, they attempted to modify the original terms of the offered service, saying the money would be available today, XX/XX/XXXX ( XXXX hours later from the promised date and 5 days later after initiating the transfer ), or until Monday, XX/XX/XXXX ( 4 days after the promised date, 8 days after initiating the transfer ). 

I want to highlight that the money was debited from my XXXX account, and deposited into Venmo, since Tuesday, XX/XX/XXXX. Venmo is illegally keeping my funds from my property, and Venmo is blatantly violating the terms of the service offered. Furthermore, after contacting Venmo, the issue was not resolved and said that the money would " eventually '' be available, perhaps until Monday XX/XX/XXXX. It is hard to believe their offered terms of service, when they have already failed to comply with the original terms of service offered.
Product: Credit card or prepaid card

Previously filed complaint continues. Capital One 's response was the EXACT SAME WHICH CAUSED ME TO FILE THIS COMPLAINT. Sadly, it seems this is a useless gov website that's funded with taxpayer dollars and does nothing more than provide a form for consumers to fill out. 
I hope I'm mistaken and there is an actual point to protecting consumer and improving shady business practices- stopping negligent and illegal practices. 

There are more than 30,000 complaints against XXXX XXXX in CA. under the two headings I submitted under. 

Please forward this to the company. 
What are the next steps in your opinion? Please provide emails for govt. officials who hear from constituents or head of committees that govern this website/ " service ''. Thank you.
Product: Debt collection

Portfolio is fraudulently attempting the debt I do not owe to them .So many times requested a validation of debt never happened .And so is requested proof of ownership of this debt .Silence. I contacted FDCPA violations : 1692 e Any other false, deceptive, or misleading representation or means in connection with the debt collection 1692 e ( 2 ) Character, amount, or legal status of the alleged debt 1692 e ( 10 ) Any false representation or deceptive means to collect a debt or obtain information about a consumer 1692 f Any unfair or unconscionable means to collect or attempt to collect the alleged debt 1692 g Failure to send the consumer a 30-day validation notice within five days of the initial communication 1692 g ( a ) ( 5 ) Must state Will Provide Name and Address of original Creditor if Different from Current Creditor 1692 j Forms been designed, compiled and/or furnished to create the false belief that
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 68XXXX effective immediately and indefinitely. 

DISCOVER BANK XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies on my credit report. Below are the details of the disputed accounts : XXXX XXXX XXXX Account Number : XXXX Balance : {$3600.00} This account violates 15 U.S.C . 1681i ( 7 ). It was reported without valid evidence of its accuracy. Please provide a method of verification or remove it immediately. As a victim of identity theft, I have included my police report for reference. 
XXXX XXXX SYSTEMS ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$1500.00} I have not received any valid documentation, including a statement or loan agreement, from this company. This account is fraudulent. Please remove it. 
XXXX Account Number : XXXX XXXX : {$23000.00} No valid documentation has been provided for this account. It is not mine, and I have included a police report. Please remove it immediately. 
XXXX XXXX XXXX Account Number : XXXX Balance : {$1100.00} Under Section XXXX, this account is inaccurately reported, as the creditor did not provide a valid address for verification. Please investigate and remove it as it does not belong to me. 
XXXX XXXX Account Number : XXXX Credit XXXX XXXX {$600.00} The payments for XX/XX/year> to XX/XX/year> were always made on time. Under 15 U.S.C. 1666B, this account is a billing error. Please update the status to PAID AS AGREED/NEVER LATE. 
I have included the following documents to support my dispute : 1. 
Police Report 2. 
FTC XXXX XXXX Report 3. 
ID 4. 
SSN 5. 
Proof of Address Any additional documentation Please investigate these matters and respond to me in writing within 30 days. 
Thank you for your prompt attention to these issues.
Product: Credit reporting or other personal consumer reports

A bankruptcy was reported on my credit report on XXXX. I contacted the Bankruptcy Court, and they told me that they would send a letter stating that by law that they do not report to the credit bureaus. I received the letter and would like to have the company reporting the bankruptcy held accountable for fraud. The company XXXX XXXX fraudulently shared my information publicly without my consent even placing it under the courts name as the reporting agent. Please remove from all Credit bureaus as thins information is inaccurate and misleading and caused damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After XXXX  I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXX XXXX  CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX  XXXX  AND XXXX, XXXX, EQUIFAX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After XXXX  I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXX XXXX  CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX  CARD AND XXXX, XXXX, EQUIFAX XXXX SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXX XXXX  IS REPORTING THIS INFORMATION AS ACCURATE AND VERIFIED. SO HAVE THE CREDIT BUREAUS, YET THEY ARE NOT USING INVESTIGATIONS, THEY ARE NOT PROVIDING ME WITH ANY INFORMATION ON HOW THEIR INVESTIGATION RESULTS WERE CONCLUDED, THEY ARENT PROVIDING DETAILS ( BY LAW ) ON WHICH METHODS OR PRACTICES OR RESOURCES THEY HAVE USED TO COME TO THE DECISON. 

THE AMOUNT IS {$1100.00} ITS ALSO REPORTING MY CREDIT PROFILE AS DELINQUENT, ALSO REPORTING FALSE LATE PAYMENTS ALSO REPORTING AS A CHARGE OFF INCORECTLY AS IT WAS A FRAUD ACCOUNT. THEY ARE CAUSING MY SCORE TO DROP AND MY PROFILE TO BE INACURATE AND DELINQUENT.
Product: Credit reporting or other personal consumer reports

I was getting unwanted calls from all over the place. My credit was shared with people that shouldve known about it. It was like they was selling my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Product: Student loan

I have tried to talk to AidVantage for the last 2 months as their AutoPay system is malfunctioning. I am on the SAVE plan and have set up an AutoPay amount of {$380.00}. However, I noticed that AidVantage only takes out {$120.00} monthly. My interest balance has increased since it will not allow me to pay the correct amount. I do not think it's fair since I have no control over AutoPay working correctly. I have spoken to customer reps 3 times. I have had the issue escalated 3 times and the issue still has not been resolved.
Product: Credit reporting or other personal consumer reports

XXXX I am filing a formal complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e, by failing to ensure the maximum possible accuracy of my credit report. Despite my dispute, XXXX has continued to report an inaccurate and unverifiable item, which is negatively impacting my credit profile. 

Disputed Item Details : Creditor Name : DEPT OF ED/XXXXE Company Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number ( Last XXXX Digits ) : XXXX Reported Late Payment or Negative Entry Date : XX/XX/year> I submitted a formal dispute to XXXX requesting a proper investigation and removal of this inaccurate entry. However, they failed to provide verification or correct the inaccuracy within the XXXX timeframe required by law. 

Under 15 U.S. Code 1681n, XXXX  failure to investigate and correct this error constitutes a legal violation, entitling me to {$1000.00} per violation in damages. Their negligence is harming my financial standing and consumer rights. 

I request that the CFPB investigate XXXX non-compliance and take appropriate action to ensure that they adhere to federal consumer protection laws. I also seek guidance on further actions I can take to resolve this matter. 

Please provide a response regarding the status of my complaint at your earliest convenience. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Mortgage

I got a mortgage through Citizens Bank in XX/XX/2020. Working with the loan officer, I told him I needed my payments to be around $ XXXX. They were able to do so. 18 months later, my escrow is {$10000.00} deficient. Turns out, they used previous owners taxes as my estimation, which is normal procedure, however, my condo is in a PILOT program, in XXXX XXXX, XXXX So Taxes are based off of sale price. I bought my condo at a much higher price than the previous owner ( original owner ) ... Citizen 's position is my taxes went up so therefore my escrow is deficient now requiring $ XXXX mortgage payments which are outside my budget. My taxes actually went down, however, yes they did go up from the estimated amount ( based off the previous owner ) but that was an ERROR on citizens as they should have been aware it was a pilot program and known taxes would be based off my sale price, not the previous quarter from the previous owner. 
Furthermore, in conversations with Citizens, they told me on the phone they could spread out my escrow payments to reduce the monthly payment to {$3600.00}, still too high but a little more reasonable and allow me a little more time to figure this out. That conversation took place on XXXX with XXXX XXXX. However, Citizens just took out {$4300.00} for my XXXX monthly payment, so I was provided false information by Citizens, since the {$3600.00} never happened. 
At this point, Citizens is no longer returning my phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : Transunion did not verify Late payments on The XXXX Accounts listed on my consumer credit report in XXXX, XXXX and XXXX. These accounts were in Deferment and NEVER Late for the dates Transunion is reporting as Late payments. When I disputed this in XX/XX/XXXX, I received notice from Transunion that all XXXX accounts were UPDATED but they still show late payments on my my consumer credit report. Transunion continues reporting false information. I reported this to them over 45 days ago. They have violated FCRA Regulations. Please help.
Product: Checking or savings account

Im not sure why my first case isnt showing up but Im having problems with the bank trying to come back and charge me over {$16000.00} for charges that apparently they paid a company in XXXX XXXX and XXXX only for me to find out that starting XX/XX/15 because they started posting to my account and they were fraudulent transactions. Ive provided them screenshots from the place, plus emails from the company and a ton of proof but even with all of that they are trying to make me pay those. however, because they didnt notify me that they had paid these people all this money until XXXX months afterwards I couldnt do anything to stop it and now the bank is trying to make me liable for all of it, even though I provided proof that my account was closed and that those transactions didnt happen by me. I could have stopped it sooner and had my card closed if they would have told me when they paid this merchant but they didnt. So now that have closed my checking and left me in a negative XXXX $ after taking over XXXX $ from my account on top of the negative XXXX $ they are trying to bully me to pay and sending me to collections and closing my account. I didnt make these charges and if they would have posted in XXXX when they apparently sent them then I could have closed my card and it wouldnt be like this however they didnt and they didnt deduct till XXXX XXXX and this XXXX and XXXX and now the bank wont help me as they say its on me to fight the merchant. But my issue is with the bank not merchant because the bank took my money and paid someone with out letting me know.