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

On XXXX I received a notice that my PayPal account was limited. I learned the confusion twas due to a name change secondary to marriage, I was more than irritated. I have been married for 17 years and since I use this PayPal account primarily for online transactions, I never took the time to change my XXXX XXXX XXXX PayPal account. It was resolved with an apology as several of my subscriptions had been bouncing and one was canceled and it ended up being quite a hassle. I decided to use Venmo as a replacement as I lost trust for PayPal following this experience. I have had a Venmo account for probably 4-5 years and I use it primarily for paying babysitters. I have also used to reimburse people I know for expenses like restaurant meals, errands for a sick co-worker, paying for piano lessons, babysitters, and I sold a few items out of my house recently. I had accumulated {$1000.00} and attempted to transfer a portion on XX/XX/XXXX but mistakenly transferred the whole amount. I received an email the next day informing me that my account was limited and my transfer was being reviewed. I was asked to provide evidence of my identity, but when I logged onto to my account I saw no evidence that my account was limited. I provided the photo of my XXXX passport on XX/XX/XXXX when I was unable to use the account as I thought I was being scammed or phished. I spoke to several customer service representatives and was told that my account being reviewed by a specialist. I was finally informed late on XXXX that my account had been permanently frozen that money that belongs to me will be available in 180 days. I called customer service on XXXX and was told that my account looked normal and they would request another review. I was informed late on XX/XX/XXXX that the decision remains. I did not violate the terms. I am not being given an opportunity to defend myself. And, they are retaining my money without any explanation. This entire ordeal occurred due to discrimination, as men do not change their names due to marriage. PayPal and Venmo are the same company and I started using Venmo as a replacement for PayPal so my account activity increased during that time. This is all very shady and after doing an Internet search I learned this is common. I am a normal person : a boring suburban mom with a regular job and a dog, cats, and a backyard garden.
Product: Checking or savings account

On XX/XX/XXXX, I went to the Bank of America branch at XXXX XXXX XXXX. XXXX, GA to open a consumer checking account and was immediately told that it would not be possible. When I asked why?, I was told that they could not disclose the answer. They gave a number to call ( XXXX ) XXXX, which I did from the branch lobby speaking with XXXX for almost an hour. XXXX initially said that my opening of an account was prohibited due to XXXX  reporting two unpaid checks from XXXX each in the amount of {$270.00}. Finally, XXXX was supposedly able to remove the restriction. When I then reinitiated efforts to open an account, the branch manager asked me to leave because I was coughing, which I may have been but certainly no more than anyone else present. Unsuccessful, I went to the Bank of America branch at XXXX XXXX XXXX. XXXX where miraculously my coughing went unnoticed and began the process of opening an account there with XXXX XXXX only to be denied early in the process but given no an explanation for the reasons behind their decision, especially since I had been a Bank customer for at least 10-years through XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XXXX, XXXX six ( 6 ) fraudulent charges were posted to my Best Buy credit card number ending in XXXX. 
The charges were XX/XX/XXXX {$200.00} BestBuy.com XX/XX/XXXX {$60.00} WWW.Costco.com XX/XX/XXXX {$89.00} WWW.Costco.com XX/XX/XXXX {$89.00} WWW.Costco.com XX/XX/XXXX {$200.00} BestBuy.com XX/XX/XXXX {$89.00} WWW.Costco.com I contacted Best Buy and report the charges as fraud. I received a letter from Best Buy on XX/XX/XXXX saying that while they are investigating the disputes, they adjusted my minimum payment due, which reflected the portion of the balance that was not being disputed. 
Then I received a letter dated XX/XX/XXXX stating that they completed their investigation and based on their review have credited my account for the unauthorized activity totaling XXXX, fees and interest, however the two ( 2 ) Bestbuy.com charges totaling XXXX XXXX ( {$400.00} ) dollars was being rebilled to my account. Their decision was based on " using the information that you provided about the dispute. With the information we had, it wasn't enough to support your claim and resolve the dispute in your favor ''. I called to dispute this resolution and was told that the case was closed and in order to re-open it, I would need to get a police report ( which was never told to me when I initially reported the fraud ). On XX/XX/XXXX and then again on XX/XX/XXXX, I contacted XXXX XXXX Police department and an officer was dispatch to my address to take a report. He advised that it was very little that could be done since I had no information to provide regarding who I thought may have committed the fraud. In good faith I reported all the fraudulent transactions, the only information I was able to provide was I did not make the charges. Best Buy absolved me to the lowest charges, however the remaining two ( 2 ) highest charges they are saying I have to pay, even though I have repeatedly indicated that I did not make these charges. Both charges were electronic store charges. I would think that the investigation would have at least provided information as to what was purchased and where it was sent, a physical home address or an email address. I am certain that if Best Buy digs deeper and exhaust all efforts in their investigation they will find that I am truthful to my word and I did not make these charges.
Product: Credit reporting

Transunion placed a judgement on my credit report unlawfully, they removed it from collections and then placed it as a public record when I have never been notfied of a court hearing or date. The state they say I owe do n't even have it listed that I owe them on their very own website ( XXXX ), I have asked them numerous times to remove this inaccurate information.
Product: Credit card

I have two debts that I negotiated with Synchrony Bank to settle a Lowes and Home Design HI-PJL credit card. I thought I had made automatic payment withdrawal with both. I was hospitalized during the time the payment for the Home Design account became due, but thought I had setup automatic withdrawal so I did not contact Synchrony Bank. After my release, I notice the money had not been taken from my account. I contacted Synchrony and they told me there not an automatic withdrawal, but go ahead and make the payment that day and that is what I did. When the final payment was due in XXXX, I logged in to make the payment and could not find the link. After calling around, I was told the account was charged off five days after I was told to make the second payment and sent to collection. I was then told to call the collection company to dispute the bill so they could initiate an investigation. I did but then I received written correspondence that they could not find evidence of the XXXX payment. I responded by explaining that Synchrony had removed the link so I could make the payment and closed my complaint. I then sent another dispute letter with the final payment and expressed this was the final payment for the settlement they had prevented me from paying on time in XXXX and acceptance of the payment is their agreement to accept the final payment. Synchrony accepted the payment but then sent me another letter claiming they did not see my payment on time. Synchrony bank has received all three payments for the settlement.
Product: Student loan

I am a cosigner on a student loan for my son who became financially unable to continue payments. I went to AES in XXXX 2015 with a new direct debit form and again in XXXX with the same form. They continue to debit an account that has no funds in it, and every month my son gets an insufficient funds charge ( {$30.00} - which I pay ) and every month I get a threatening letter that my credit will be ruined and then I pay online through the account I am trying to get directly debited and then I call again and am assured the following month the correct account will be debited. I do n't seem to have any options, as written and aural correspondence has been ineffective. An attorney would cost more than the bank is charging and losing a .25 % interest rate just adds additional long term cost to the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am writing about Checkr background check services which has provided multiple reports to employers against contract. It is a breach of contract for them to apply any part of my criminal history that is over 10 years old. They placed items that are from 2005 and earlier on my report. They have fixed this issue one time in the past but this is the third time they have done this to me. Because they have done this my employers have changed their opinion of me for a record that happened when i was a teenager. This is not right and a breach of contract. They need to permanently fix their policies regarding this matter especially considering im about to have my background check ran again for a XXXX XXXX position next week. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX Account number:XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX Access/XXXX Account number : XXXX XXXX XXXX Account number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Product: Debt collection

I was reviewing my credit report and found a report from ICSystem for the amount for {$400.00} that was placed on my credit in XX/XX/2018. There has never been any communication from this company ever sent to my home. I have not been allowed to dispute this debt as I did not know that it existed. As I have looked at sending communications to the company the only address that is available is a POBox in XXXX XXXX, MN. This attachment to my credit is incorrect as the proper lines of communication have not been established. I want this removed from my credit immediately.
Product: Credit card

Subject : Misrepresentation Regarding Annual Fee Waiver for JetBlue Credit Card Complaint Details : I am filing this complaint regarding an issue with my JetBlue credit card 's {$99.00} annual fee, which was not handled as promised by JetBlue representatives. 

In early XX/XX/XXXX, I contacted JetBlue to request a downgrade for my credit card to avoid being charged the {$99.00} annual fee for the second year. During this call, the representative informed me that they had good news and would waive the {$99.00} annual fee. This assurance gave me the flexibility to downgrade my card the following year. 

In XX/XX/XXXX, I noticed the {$99.00} annual fee had been charged despite the promise of a waiver. I called JetBlue, and another representative assured me that while the fee was charged, I would be refunded the {$99.00} after making the payment. Acting in good faith, I paid the {$99.00} fee on or around XX/XX/XXXX, trusting their explanation. 

On XX/XX/XXXX, I called JetBlue again after not seeing the refund appear on my account. During this call, I was informed that I would not receive a refund for the {$99.00} annual fee, contrary to what I had been told previously. 

This situation demonstrates a clear misrepresentation of their policy and has caused unnecessary financial and emotional stress. I relied on the representatives assurances, which have now been proven false. 

Resolution Requested : I am requesting that JetBlue honor their original promise to refund the {$99.00} annual fee. Additionally, I ask that JetBlue take steps to ensure better training for their customer service representatives to avoid such miscommunications in the future. 

Thank you for addressing this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ' '' promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 44 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education Student Loan XXXX. Balance {$880.00} removed by Dept of Ed. XXXX  reports balance on loan. Several attempts to have account removed from report as directed and documented by Dept of Education gives no results or action from Experian.
Product: Debt collection

Today XXXX I called XXXX XXXX XXXX XXXX   XXXX to speak with them about setting up payment arrangements for a CC debt that has been turned over to their company. I advised the representative that my paycheck was already being garnished, without myself having prior knowledge that it was going to be put into place, and I was told 2 things 1 ) they do not set up payment arrangements once a garnishment has been issued 2 ) they do not send out informing someone when they do a garnishment. 
Legally are they not required to inform me prior to a garnishment being issued? 
She also said, it was past the statue of limitations for my state which is TN but since they were granted a judgement in XXXX in was null and void. 
This is a violation of the Fair Debt Collections Act this debt is over 6 yrs old and they never filed a complaint against me or took my to court about it so they can not collect or garnish my wages. The representative did not agree with me and told me I had to contact the court house to handle it from here. 
I have called this company several times since XXXX and never for a return phone call from anyone which is very unprofessional and the lady I spoke with today was very rude and had a bad attitude which I did not appreciate
Product: Debt collection

On or around XXXX I was alerted by XXXX XXXX that I had a change to my credit. When I checked the change I was informed that Ability Recovery Service had added a collection to my credit report. I immediately contacted them about this collection. I explained to them that I spoke with XXXX a few months earlier and was denied the right to try and fix the issues. I was informed by one of the reps that because of the delinquency there was nothing they could do. I was not allowed to get on a payment plan or dispute it, or anything. So I submitted a disputed through XXXX XXXX and requested that they showed me evidence of them informing me of this debt. According, to the rep that was assigned my collection. XXXX did not submit supporting evidence to prove I owed them any money. In winter of 2018 I attended XXXX University, maybe two weeks into my program I emailed the academic advisor and informed her that the program was not for me. Instead of her dropping me immediately from the class because I was still within my grace period. She waited two weeks which caused my loans to have to be returned to lenders, and balances I was quoted when I called are totally different than the ones reported. XXXX XXXX the rep that is working on my collection contacted me directly and informed me that XXXX did not submit verification and the collection would be removed. However, now when I spoke with him hes trying to convince me that paying a debt that I do not owe is the best thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report dispute request was submitted to XXXX  VIA Credit Karma on XX/XX/2018. 
XXXX file number : XXXX. 
I got an update from Credit Karma to inform me the dispute request is currently being processed by XXXX. They expect to complete their investigation within 30 days. 
As of XX/XX/2018, I have not received an update from neither XXXX  or Credit Karma. 
According to the FCRA, If CRAs dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. 
FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
Product: Debt collection

To Whom It May Concern at the CFPB : I am filing a complaint regarding XXXX inaccurate collection accounts that have appeared on my wifes credit report, both of which claim to be debts owed to Charter Communications : XXXX XXXXXXXX XXXX XXXX Reported balance of {$300.00}. 
IC SYSTEMS Reported balance of {$300.00}. 
Nature of the Complaint : Invalid Debt : My wife has never had a XXXX XXXX account in her name. We reside in XXXX XXXX, and our provider is XXXX. While XXXX may own XXXX, she has no outstanding account or contract with either company for the period in question. 
Duplicate Collections : The same alleged debt ( for nearly identical amounts and timeframe ) is being reported by XXXX separate collection agencies, raising concerns of a mistaken or fraudulent claim. 
No Proper Documentation : We have received no validation of the debt, no billing statements, or contract documents to support these claims. Both collections appear to be without merit. 

Steps Taken : I have already contacted XXXX to dispute these erroneous entries. 
I am providing the relevant documents and timelines to demonstrate that these collections are incorrect. 

I have not been provided with any legitimate evidence from XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, or IC SYSTEMS to substantiate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquries from XXXX XXXX need these taken off please
Product: Debt collection

XXXX XXXX XXXX of Regional Finance is in violation of { 15 U.S.C. 1692 }. He call my phone an about debt I do not owXXXX XXXX XXXX in the morning. He keep stating that he want me to file fraud charges on an unknown person. He accused me of lying when I showed him letter from XXXX XXXX. He is in violation of { 15 USC 1611 } willing & knowing committing illegal act. 

PDF is in filled of proof includes call log screenshots, letters, cfpb screenshots
Product: Money transfer, virtual currency, or money service

I need connect my PNC account to the XXXX XXXX  account
Product: Mortgage

I have been trying to pay off a mortgage with Amerihome Mortgage. My bank sent them a bank check on XX/XX/22. They sent the check back. I called them twice in XXXX and the second time, the representative stated that they would take XXXX payments. I have sent them those payments daily up to the balance due. They took both XXXX and XXXX mortgage payments out before they were due. I did not authorize this! I just want to pay off this mortgage. My last call was with XXXX from the Resolution Department on XX/XX/22. He said they are holding the last XXXX in an account!! He said he could not accept this payment. Why were they able to take all the other payments?? Meanwhile, I am getting charged fees. I would like this paid off as soon as possible and all my over payments paid back to me. 
XXXX XXXX
Product: Credit card or prepaid card

My Discover Credit Account was closed on Wednesday XX/XX/XXXXXXXX due to unable to verify personal information. Ive never had a problem with Discover and never was asked to verify anything. I received no heads up of any sort. No phone call, letter, email, nothing and my account was closed due to not being able to verify my personal information. Again I received no heads about anything involving my personal information. The company basically confirmed that my account closed and nothing can be done. Im extremely disappointed with the lack of communication. Also it reflects on my credit report in a negative way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX weeks ago I sent a dispute letter to XXXX and Experian disputing multiple hard inquires on my report, XXXX and Experian has failed to investigate these and sent me a letter back saying that they assume them to be accurate. I did not authorize any of the companies stated in my dispute letter to pull my credit information. XXXX and Experian need to address these false inquires as mandated BY LAW.