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

On XX/XX/XXXX, a check was requested for the balance in my Venmo   account, now closed. The amount of XXXX was left as remaining balance at time of closure, it is now XXXX and no check received. A close out check was requested for a prior Venmo  account, which was sent right away. In this case, it appears Venmo/Paypal is stalling on the matter, it is almost a month since they supposedly requested the check.
Product: Credit card or prepaid card

I had a Brooks Brothers XXXX account. [ Brooks Brothers/CBNA, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ] They have refused to close my account, despite multiple, repeated requests. 

On XX/XX/2022, they sent me an email asking for feedback about my recent online experience with them -- even though I had not recently accessed the account in any way. I called the company to inquire whether my account was compromised in any way, but they were very dismissive and suggested there was no need to be concerned. I requested to cancel my account, because I had doubts about their cyber security policies and capabilities. The representative on the phone told me she would cancel my account. 

A few days later ( XX/XX/XXXX ), I got a second email asking for feedback. I also got a separate email saying " Your replacement card is on its way '' or words to that effect, even though I had never requested a replacement card -- rather I had requested to close the account. 

I called their cardholder service number again, and again was told that they would close the account. 

A week or so later, they sent me a new card. Again, to reiterate, I never requested a replacement card -- rather I had twice requested to close the account. 

Today, ( XX/XX/2022 ), they sent me a marketing email saying I have {$8000.00} of available credit. 

I shredded the new card they sent me, but they should be able to look up my account from my email address -- XXXX. 

The result is, I have an open line of credit against my wishes, despite repeated requests to close the account.
Product: Credit card or prepaid card

XXXX # XXXX. I have been using a Walmart credit card for purchasing supplies for my business now for over a year and I have never missed a payment. Recently Capital One took over the Walmart accounts and on a few occasions within the past week I tried to use this card and it was declined. I thought I may have gone over my spending limit so I made payment on Monday XX/XX/2019 at a Walmart store in the amount of {$500.00}. I then tried to use the card and it was still declined. I called customer service the same day and was told that my social security number didnt match and they would need me to upload my driver 's license, bank statement, and social security card. I did all three uploads and was told they received them. I explained I have two credit cards through Walmart and one I use for business the other personal. I even uploaded a business bank statement. They are still claiming that it doesnt match. How much more information do they need? Ive been a card holder for over a year with Walmart. I'm also a card holder with Capital One. They won't give me names all I know is the fraud department is handling my case and I've included the case number at the top of this report. The last person I spoke with was today XX/XX/2019 he stated they were sending a letter for me to write a letter! I explained I sent all the documents they need and I still have no RESOLVE. The person I spoke with today only gave me his ID number as XXXX. I also know that my account has been suspended since XX/XX/2019. I hope you can help.
Product: Consumer Loan

I purchased a   XXXX    XXXX   XXXX  from DriveTime, their  XXXX , MD office. Within 30 days of the purchases, I 've had to buy  XXXX  front tires 2 times. My front tires were wearing down to the metal treads wit hin 4-7 days.      When I bought the second set of tires the mechanic realized that the drivers side front shock spring was broken. I thought it was something I had done but the mechanic said that whoever inspected the car knew about it because they put a zip tie on it. I looked on the inspection order and noticed that the company had marked that suspension as a pass.     They also marked the windshield as repaired, there had been a chip in it when I purchased the truck. Well, that " repaired '' chip had grown to a full crack that stretched across the bottom of my windshield. Also, they had on the inspection order that my rear rig ht brake was repaired ... not true. That brake is ro utinely engaged while I 'm driving. It 's gotten to the point where it is now digging into my rotors so now I need those as well. As a sidebar, the AC does n't work but that 's not a safety issue.      So I contacted Drive Time an d told them what was going on. They told me to call  XXXX   XXXX  which was there extended warranty company. I did that, told them what was going on, they basically kept repeating that they only work with engine problems ... essentially telling me to get lost, that 's my lost. They did n't even have the decency to give me a detailed response. They just kept repeating that they only cover the engine and then left open silence to influence me to disappear.     So  I called Drive Time again, they 're throwing me around to customer service. After 4 tra nsfers they 're still trying to avoid the repairs but they want me to get it looked at with a full diagnostic at one of their partnering shops. It 's getting frustrating. I 've never had a car buying experience like this before.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for mortgage on XX/XX/XXXX and got a report stating that my XXXX  score is XXXX. This report was provided to the broker by CreditPlus. I followed up with XXXX  and they verified that the collection they was on file was all paid off. I verified with three other sources ( XXXX XXXXXXXX credit service, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) - all of them state my XXXX  credit score is 800+ For some reason CreditPlus has it wrong. By now I have contacted them three times and I have on the wait for 45 minutes each time with no luck. There is no reason they should be reporting my score so low. My mortgage got denied because of that.
Product: Debt collection

On XX/XX/2019 Convergent Outsourcing Inc. mailed me a letter claiming that I owe XXXX XXXX or XXXX {$43.00} and that this creditor has placed my account with their office for collection, and that I can pay by mail, phone, or internet. It is stated that I have 30 days to dispute this and if I do not Convergent will obtain verification of my debt or obtain a copy of the judgement against me. 
I have been in touch with XXXX through email on XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX ( XXXX XXXX ), and talked with a XXXX Security Customer Service Representative on XX/XX/XXXX ( XXXX XXXX ) with concern about the security of my account, to verify I do not owe money, and that Convergent Outsourcing Inc., is falsely claiming I have outstanding debt and trying to collect money on their behalf. 
XX/XX/XXXX ( XXXX ) I have mailed a dispute letter to Convergent Outsourcing Inc. stating them of their false claim, that I was keeping the original collections letter, and reporting them to XXXX , Minnesota Department of Commerce , Federal Trades Commission , XXXX XXXX XXXX , Consumer Financial Protection Bureau , that I know my rights under the Fair Debt Collection Practices Act, and to not contact me about this debt again. Convergent Outsourcing Inc. has my name and address and hopefully nothing more than that.
Product: Credit reporting

EXPERIAN has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that EXPERIAN HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EXPERIAN are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section XXXX or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. EXPERIAN is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.
Product: Checking or savings account

I am filing a CFPB Complaint against Santander Bank for {$3600.00} of unauthorized fraudulent transactions from my bank account. My card has been lost and there were 4 transactions of {$680.00}, {$1300.00}, {$1100.00} from XXXX and {$420.00} from XXXX XXXX. I have contacted Santander Bank immediately when noticed of these unauthorized charges and have filed a fraudulent claim. On XX/XX/XXXX, I was informed the claim has been denied and my account has been blocked. I have refiled the claim multiple times and on XX/XX/XXXX, I was told it was denied again. These transactions occurred as I was out of country and were not authorized by me. I was in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Santander Bank has sent me a new card around early XXXX but I was not able to access it since I was out of the country. Around late XXXX, there were 4 transactions that went through - Since I was out of the country, there was no way for me to get a hold of my card or access it. Santander Bank has failed to properly investigate and recover my funds. I have reached out to the merchant XXXX and XXXX XXXX  I was informed by both merchants that fraudulent activity occurred so therefore I would need to contact my bank. Due to fraud, I was informed that this must be handled through the bank but Santander Bank has denied my CLAIM ( # XXXX ) again. Santander Bank has not contacted the merchant to resolve this claim and both merchants confirmed they have NOT been contacted to resolve this matter and are still waiting to hear from them. Santander Bank has failed to investigate this serious matter and has closed off my account which I no longer have access to. 

On XX/XX/XXXX, my claim was denied again so I have contacted the merchants to resolve this matter on my own BUT they have noted because Santander Bank has closed down my account, the funds will not go through. They have both stated I must go through the bank for the unauthorized charges but Santander Bank has DENIED my claim and also CLOSED DOWN MY ACCOUNT without my consent or no prior communication. 

Santander Bank has closed down my account, failed to protect and is liable for these charges.
Product: Consumer Loan

I leased a XXXX XXXX in XXXX XXXX for my daughter from Chrysler Capital. Recently she was relocated by her employer and no longer needs the car. I have found a third party ready and willing to make the lease payments and use the car for the remaining 26 months of the lease. My lease with Chrysler Capital is very clear that they will permit a sublease unless they believe in good faith that the sublease will jeopardize their rights or increase their risk. Under the Sublease, I would continue to be Chrysler Capital 's lessee and hence, Chrysler Capital 's risk is unchanged and their rights are unaffected. 

In several phone discussions with Chrysler Capital, I got nowhere. They finally said that any such solution was not available with no further explanation. I wrote to Chrysler Capital on XXXX XXXX formally requesting their consent, they did n't respond. I have written to them again today. 

So instead of having a third party cover my remaining {$7500.00} of payments, I have the XXXX XXXX sitting in my driveway where it will remain for the next two years unless Chrysler Capital provides the consent. I will continue to make the payments but this is wrong.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS TRYING TO COLLECT A DEBT THAT WAS PAID ON THE DAY OF THE XXXX IT WAS PAID TO XXXX XXXX XXXX. I TOLD XXXX XXXX NOT TO CALL MY WORK BUT THEY CALLED ANYWAY AND CONTINUED TO CALL WORK NUMBER THIS DEBT WAS PAID IN FULL THE DAY OF THE XXXX PLUS I WENT XXXX IN THE XXXX THE XXXX WAS DONE ON, THIS WAS CAUSED BY THE XXXX SO I WANT HIS REMOVED FROM CREDIT REPORTS AND NO MORE CALLS MADE TO ME OR MY WORK
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX XXXX XXXX XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXXXXXX XXXX XXXX XXXX  {$0.00}
Product: Mortgage

*Contacted Specialized Loan Servicing requesting payoff of total balance owed on XX/XX/2019. 
*Request to Specialized Loan Servicing was sent via certified mail, and return verification of receipt of the request was signed by Specialized Loan Servicing XX/XX/2019. 
*Received a phone call from Specialized loan Servicing XX/XX/2019 requesting documentation of identity and ownership of property. 
*Requested documentation required by Specialized Loan Servicing was mailed XX/XX/2019. 
*No response to request of payoff amounts have been received. 
*Specialized Loan Servicing states on their web site that payoff quotes are typically provided in 5 business days. Thus far, we are close to 90 days without any response as to the payoff amount on the mortgage.
Product: Checking or savings account

BB & T charged me 4 overdraft fees of {$36.00} each when only one charge resulted in an overdraft of just a few dollars. 
They actually charged a fee for a charge made a few days earlier when there was no overdraft I paid {$140.00} in fees for four charges made which totaled about {$100.00}
Product: Credit reporting or other personal consumer reports

on XXXX of this year i received a letter from XXXX XXXX XXXX who is a debt collector trying to collect on a bank of america account ending in XXXX i immediately sent them a debt validation letter to show proof that the debt is valid. this was sent on XXXX of this year. it is now XX/XX/year> and they have not responded back to such request. therefore it is a violation of the fair debt collections practice act ( FDCPA ) therefore this account should permanently be removed from my credit report. 

i have contacted experian in regars to this matter and i have started multiple disputes with them. the account was previously removed from my credit report, and now its back on the report. 

by law they should also inform me on the re-insertion of a debt tp which they have not.
Product: Payday loan, title loan, or personal loan

This loan with express check advance was brought out by advance america or XXXX XXXX I paid this payday loan off in XXXX. I spoke with the state system XXXX they advised me this is still showing unpaid. I advised the three companies I can provide a paid in full letter I received. They still have not updated information in the state system.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I asked Transunion to investigate various accounts on my credit file, because they were reporting inaccurate and incomplete information. The online system, used for disputes, did not work for me so I wrote them a letter. ( attached ). 

As of XX/XX/2023, more than 30 days since my request for investigation, Transunion has not processed my dispute requests, as required by law. 

This is a violation of FCRA 611 ( 15 U.S.C. 1681I ) which requires Transunion to carry out this independent investigation and correct or delete the items disputed. Transunion did not complete my investigation, did not update or correct the items I asked them to investigate. Therefore, the following accounts should now be deleted : 1. XXXX  XXXX # XXXX - Disputed for inaccuracy because of missing payment history 2. XXXX  # XXXX - Disputed for inaccuracy because of missing payment history 3. XXXX # XXXX - Dispute for inaccuracy because of missing payment history 4. XXXX # XXXX - Disputed for inaccuracy because of missing complete payment history 5. XXXX # XXXX - Disputed for inaccuracy because of missing payment history 6. XXXX # XXXX - Disputed for inaccuracy, for missing payment history. 
7. XXXXXXXX XXXX  # XXXX - Disputed for account ownership 8. XXXX # XXXX - Disputed for unrecognized account, since no payment record reported 9. XXXX # XXXX Disputed for inaccuracy, because payment history is reporting inaccurately XXXX. XXXX XXXX XXXXXXXX # XXXX Disputed for unknown account.
Product: Money transfer, virtual currency, or money service

Was trying to sell something on XXXX market place, had someone respond immediately. Was told that the account needed an additional XXXX to upgrade the Zelle account, I sent the person XXXX believing it was legit, the person started getting hostile with me when I said I was calling Zelle customer service. I immediately called my bank to see if I could get the payment stopped and it could not be stopped.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report regarding the ( XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX, Dept of EducationXXXX XXXX XXXX, Dept of Education/XXXX XXXX XXXX XXXX Dept of Education/XXXX # XXXX XXXX Dept of EducationXXXX # XXXX, Dept of EducationXXXX XXXX XXXX, accounts, which I did not authorize and is a direct result of identity theft.

This account is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that you maintain accurate and complete information in consumer reports.
Product: Mortgage

Homeowner is currently 3 months behind on its Mortgage. Homeowner situation is of a temporary nature. Homeowner is ready and willing to commence payments. Servicer refuses to consider a request for a partial claim, forbearance or other workout solution. Homeowner believes there is a simple fix to this servicer made complex issue. A payment plan that will bring homeowner to a current position will resolve issue. 



Homeowner is placing Freedom Mortgage on notice, that I am " putting the world on notice '' of the security interest in order to make the secured parties ' rights fully enforceable is known as " perfection. " Secured Party Creditor, which is the Homeowner and will be referred to Homeowner herein after, has the right to Exercise Judicial Enforcement and request damages for the trespass against the Debtor Property, which is exempt from levy and in accord to XXXX Statement # XXXX 2015 XXXX. The Secure Party is the rightful holder in due course. Secure Party has a superior lien against the property in question and is above all others who profess to have an interest. Any attempt to commence a foreclosure proceeding will be consider a commercial injury and will be subject to the collateral value stated in the XXXX XXXX XXXX stated herein. 

A workout solution would be beneficial to all parties. If a workout solution is not met, the Homeowner will exercise its rights under XXXX XXXX accordingly. 

The Homeowner desires a workout solution.
Product: Credit reporting

Someone opened a fraudulent account in my name with XXXX.After filing an identity theft report with the F.T.C. and many phone calls and faxes, disputes and emails XXXX agreed to close the tradeline and have it removed from my C.R 's. I tried disputing this many times with all XXXX major Bureaus and XXXX and XXXX both removed the item however Equifax keeps saying that their SO CALLED investigation concluded that it was mine.These people at Equifax are SO INCOMPETENT it is unbelievable! I faxed, emailed them proof that it 's NOT MINE many times over and I am going to upload a letter from XXXX at the end of this complaint stating that they concluded it was fraud and requested that ALL XXXX BUREAUS ERASE IT FROM MY FILE!!! What kind of investigation does EQUIFAX do if any at all? This claim of them investigating is a blatant lie because obviously if they even made a phone call or read the faxes and emails they would have seen I am telling the truth!! As if it 's not bad enough i was a victim of fraud now I have to deal with these incompetent people at Equifax who seem, no not seem.. ARE making it so much harder for victims of identity theft to clear up their file then they make it for the crooks to ruin it.This is insulting and an Injustice and they have to be looked into because as far as I am concerned they are just as bad as the criminals who used my name to open fraudulent accounts!!!!