23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was scammed by a user pretending to be from the company Chime XXXX Banking. I received a Chime bank text message stating that someone had charged my card in XXXX  and ask was it me, and I responded XXXX. They responded that they put a freeze on my account and give me a call. He called as if he was a Chime agent, everything sounded legit. I didnt give him my SSN or anything, but he knew stuff that where in my account that I spent to verify that I had those charges, because someone had made a charge that I didnt make. Next thing I know my account is depleted. I didnt authorize no transaction which was {$2000.00} taken from my account sent to a phone number. I called Chime, and explained to them what happened and filed a dispute with them. This happened yesterday at Sunday XX/XX/year> around XXXX. I sent the text messages to Chime with the stamped time on it to see the interactions that was happening. Chime denied my dispute and wont give me my money back. I called them Monday XX/XX/year> when I saw their decision, and was furious. They said if I had any new documentation that I can file a new complaint.
Product: Bank account or service

I wrote a check to my Local XXXX in XXXX NJ on XXXX/XXXX/15 for {$27.00}. The clerk told me he would have to keep my check and present it physically to the bank instead of by ACH, and could not return the check to XXXX know this sometimes happens. 
Check # XXXX was then presented on XXXX/XXXX/15, electronically. 
Check # XXXX was once again presented for payment physically on XXXX/XXXX/15. 
This was an error on the part of the merchant, and the bank ( Wells Fargo ) for paying out XXXX on the same check number for the same amount. 
When I brought this to Wells Fargo 's account and pointed out the error, I was told they had to present this to their " Claims '' department, and it would take them up to 10 days for review. 
I have never heard of such a thing!! They made a mistake, and it was brought to their attention! Why the problem with refunding my own money. It is so clear if you look at my checking account to see what happened. 
I mentioned to Wells Fargo what happens if I overdraw due to this money waiting to be refunded. Oh, of course, they say they will refund any fees, but good luck with that. Also, that amount missing in my account could cause me to overdraw more than XXXX item!! 
I live paycheck to paycheck, support my XXXX year old mother, and can not afford mistakes like this or the bank 's cavalier attitude towards correcting what is very clearly a mistake on their part. 
That is why I am reaching out to this agency. 
Well Fargo has a poor reputation, and loves to charge people fee after fee! 
I even have to pay a {$12.00} fee for them to transfer money from savings to checking in case of overdraw!! 

Is that right??? 
Why is this bank allowed to treat their customers this way? 

Pls help. 

Thank You, XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX XXXX XXXX account XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with Experian and XXXX, it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, Experian has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that XXXX and XXXX have already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints.

Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.
Product: Mortgage

Ive been experiencing some difficulties of getting mortgage payments credited to my Select Portfolio Servicing Account. This has been going on since last year of XX/XX/XXXX ; because XXXX XXXX XXXX XXXX  wasnt honoring the payments and stating the account number is wrong ; as I attempted to pay SPS. I decided to switch my checking account back to XXXX XXXX XXXX but each time I would place a payment to SPS they would respond and say they dont have the payment. I spoke to several representatives on different occasions about the matter. I had to get XXXX XXXX Bank to track the funds, so I could resubmit the payment to SPS. I had a representative from SPS told me that XXXX XXXX cant help me. I continue to experience issues with getting payments credited. I decided to send the payments through XXXX XXXX. 
I spoke to XXXX ( SPS Representative ) on XX/XX/XXXX about my payments being credited but she stated that I had a payment missing/ reversed on XX/XX/XXXX. 
I spoke with XXXX XXXX XXXX SPS Representative ) and she said I had a reversal payment on XX/XX/XXXX. 
I have my receipts from XXXX XXXX, but continue to have problems with my SPS account. A XXXX XXXX Representative told me that my problem is with the mortgage company Select Portfolio Servicing. SPS keeps crediting and reversing my payments. Can you assist me with this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft XX/XX/2019 I have faxed the police report and conviction report numerous times to equifax and have that information on file as proof, even though equifax sent a report stating XXXX /XXXX XX/XX/2019 XXXX/XXXX   XX/XX/2019 XXXX XX/XX/2019 were removed XX/XX/2019 they are still on my credit report! I have called them NUMEROUS times to no avale! also XXXX/ XXXX   XXXX  XX/XX/2019 also made a hard inquiry even after i explained to them i had been a victim of identity theft and the representative assured me it would not show up on my report! after having worked tirelessly endless hours I am beyond completely Fed up!
Product: Money transfer, virtual currency, or money service

Square has prevented me from deactivating this account. As they declined and blocked my ability to use payment processing due to reporting fraud and identity theft from a previous account that occurred. This account was basically useless without having any of the core features needed for my business. Therefore I wanted to close or deactivate this account. Its preventing me from being able to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times over several weeks submitting documentation supporting my dispute. Every times I get error messages online so I mail them. However, I have seen NO changes.
Product: Debt collection

NCB Management keeps calling my phone and they have placed a collection on my account. The phone calls are everyday and my voicemail is always alerting me they have provided no proof of this debt and now they put a collection onto my credit report has really hurt my score I was in the process of trying to buy a house and out the blue here they come.
Product: Checking or savings account

ATTENTION : XXXX XXXX XXXX XXXX PNC Bank XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX RE : Application Denial under XXXX XXXX XXXX and 15 USC 1691a Application Number : XXXX Dear XXXX XXXX XXXXXXXX, I am writing to address the closure of my Small Business Checking Account on XX/XX/XXXX, and the subsequent denial of my application for a new account. I am conditionally accepting your decision, pending receipt of verification of the legal basis for this denial. I respectfully request that you provide the specific factors and supporting documentation that led to the closure and rejection, along with proof that you possess the legal authority to retract my application. 

It is important to emphasize that the Equal Credit Opportunity Act ( 15 USC 1691a ) grants me the right to access credit. Denying this access without valid and lawful reasoning could constitute a violation of federal law, potentially amounting to discriminatory practices. Moreover, withholding access to my account could be seen as securities fraud under the relevant statutes. 

Given the circumstances of your denial, which appears to be in violation of both the Equal Credit Opportunity Act and the Consumer Credit Protection Act ( 15 USC 1602 ), I formally request that you reconsider and retract your decision to deny my application. 

I trust PNC Bank will act in good faith and resolve this matter promptly, in full compliance with applicable laws. I look forward to receiving your timely response and the necessary documentation supporting your decision. 

Best regards, XXXX XXXX Without Recourse, All Rights Reserved
Product: Credit reporting or other personal consumer reports

THIS LETTER SERVES AS A NOTICE THAT AS OF XX/XX/year>2025 I HAVE NOTICED THAT THERE IS INACCURATE INFORMATION LISTED ON XXXX, XX/XX/XXXX, EXPERIAN MY REPORT. AS A CONSUMER, I AM EXERCISING MY RIGHT TO REQUEST AN INVESTIGATION UNDER THE FAIR CREDIT REPORTING ACT TO CORRECT ALL PRESENT INACCURATE INFORMATION. 
THE DETAILS OF THE INACCURATE INFORMATION IN MY REPORT AS FOLLOW AS : XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX TO SUPPORT MY CLAIM, I AM ENCLOSING THE FOLLOWING DOCUMENTATION : MY DL, SSC, BILL PLEASE DELETE THE ABOVE MENTIONED INACCURACIES FROM MY REPORT WITHOUT DELAY. THE FCRA MANDATES THAT YOU INVESTIGATE AND RESPOND TO ME WITHIN 30 DAYS OF RECEIVING THIS LETTER. 
UPON MAKING THE NECESSARY CHANGES TO MY REPORT, FURNISH ME WITH WRITTEN CONFIRMATION. YOUR IMMEDIATE ATTENTION TO THIS ISSUE IS MANDATORY. 
FOR VERIFICATION PURPOSE YOU WILL FIND MY IDENTIFICATION ENCLOSED.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill his legal obligation under the fair credit reporting act FCRE to conduct a reasonable and re-investigation of disputed information on my credit report, leaving in accurate or unverified accounts, unresolved the consumer financial protection bureau CFPB has recently filed a lawsuit against Experian alleging, systematic issues such as failing support consumer provided evidence to furnish accepting reliable responses and failing to adequately, notify consumers of dispute outcomes These failures align with my experience will experience has never corrected or removed the disputed items despite the evidence I provided causing ongoing harm to my credit standing Im requesting immediate corrective action to remove or amend the disputed accounts at Experian in action, violate federal law, and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following XXXX  accounts have violated my rights : Fair Collections & Out, Account # XXXX 15 USC 1681 602A states that I have the right to privacy. 

15 USC 1681 604 A section 2 also states, a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

My Son was taken by an XXXX and the company used his insurance and is trying to collect the deductible from me. I am not responsible for this debit becaus my son is not a minor. I have disputed this debit.
Product: Debt collection

XXXX XXXX at JMS Associaties told an employee about the debt, the amount owed, and who it is owed to. 

He continues to call several times a day and emails several times a day even after speaking with someone and leaving a voice message. 

I 've faxed a cease and desist letter to stop all contact immediately.
Product: Debt collection

On XX/XX/year> I myself and co-signer, agreed and signed into a 12 month rental contract with XXXX XXXX. We were given a code over the phone after we signed the documents and paid security deposit via docs signed. Upon entering the property on XX/XX/XXXX we were surprised to learned that the home was not safe, unhealthy, had XXXX  problems, XXXX  issues and was considered inhabitable due to XXXX  as well. We tried to contact the agent who helped us she disappeared on us. The property management was no helped as well and as well as the landlord and was not successful because we were rented by a false agent and no one was able to break the lease term or deal with the issues we faced. On XX/XX/XXXX I file a 7 days noticed to cure to the registered agent of the property, followed by a vacate noticed after i contacted the City of XXXX and legal aid for help. the city compliant officers came to the property to do a inspection and determined the home was indeed XXXX. I was advised by legal aid to evacuated the property by XX/XX/XXXX. I evacuated earlier due to a XXXX XXXX  and XXXX XXXX XXXX XXXX  that put us in danger. and the city had to turn off both water and power. I was served court documents for eviction after I moved out a month later. I went to court and found out the case was dismissed by the property owner right after they filed. I never received back my security deposit 0f {$3000.00}. I now received a letter from a debt collector stating me and my co-signer owes {$15000.00} to nation credit system INC. for the same property, and this is affected both our credits negatively. The lease agreement was terminated under Florida statue 83.201 landlord failed to repair property and tenant had to voluntarily evacuate and break the lease for safety and inhabitable reasons including withholding rent. I'm asking to have this collection stop immediately, and this debt on filed be removed and dismissed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, in response to a document request from XXXX. XXXX from XXXX Venmo, I uploaded a copy of my unexpired government-issued photo ID and copies of bank statements for my personal checking accounts at XXXX XXXX  and XXXX XXXX. 

Afterwards, my Venmo account was unfrozen, and I was able to add the above bank accounts as payment methods. 

However, as of XX/XX/2024 I am still unable to add money from either payment method. The only error message I receive is the uninformative " Something went wrong. '' The only explanation Venmo gives is the following : " Weve noticed some unusual activity linked to your Venmo account which may be in violation of our user agreement. '' Venmo 's explanation is implausible because the only activity linked to my Venmo account is me trying to add {$500.00} to my Venmo balance using my Venmo-verified bank accounts.

This is my second CFPB complaint within one month against Venmo for not allowing me to add money from Venmo-verified bank accounts, even after I have complied with Venmo 's document request by providing a copy of my valid government-issued photo ID and copies of my bank statements for Venmo-verified bank accounts. 

I am requesting that CFPB publish this description of my complaint against Venmo so that others can learn from my experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Company : ARS ACCOUNT RESOLUTION Address : XXXX XXXX XXXX XXXX XXXX XXXX City/ State/ Zip :XX/XX/XXXX FL XXXX XXXX have previously sent you a request to validate my debt, account number XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. But you did not provide me with the following : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service ; Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Product: Credit reporting or other personal consumer reports

I opened a U.S. Bank Credit Card in XXXX. They offered a fraudulent promotion that few people could use. It was an Altitude Connect Visa CarXXXX for which I was offered a XXXX limit and had to spend XXXX in three months to get their offer. I realized that I couldn't get the offer without going over my usage. So in XXXX, I had a bill for which I had to pay. The bill was for roughly XXXX I paid for bill with the credit card XX/XX/XXXX. Because I knew my due date was XX/XX/XXXX and statement date was XX/XX/XXXX, I knew I had to pay off that balance immediately. I paid XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and I received an XXXX alert thar my usage has increase. I call on the phone to resolve the matter. Nothing was resolved. My current balance is XXXX and has been that way since XXXX. I am disputing the amount reported by US Bank and for them advertising something clearly would cost a consumer to use. A XXXX point drop on a credit report takes years to address.
Product: Debt collection

I recently checked my credit report and discovered I had an Abstract of Judgement issued on XX/XX/XXXX filed by Attorney XXXX XXXX XXXX of Legal Recovery Law Offices , Inc. Filed in Superior court of XXXX XXXX county XXXX courthouse ( case # XXXX ). The plaintiff is listed as XXXX XXXX XXXX ( XXXX ) and I am listed as the defendant. The judgement was in the amount of {$4800.00} entered on XX/XX/XXXX. 
I had filed chapter XXXX bankruptcy XX/XX/XXXX. A notice of this filing was sent to both XXXX XXXX bankruptcy dept. and to Legal Recovery Law offices. The bankruptcy was discharged XX/XX/XXXX. The attorney ( XXXX XXXX ) filed this lien as being a secured debt therefore getting around the bankruptcy. This is an unethical filing which should have never been done. It was an unsecured credit card debt in which his business ( Legal Recovery Law Offices , Inc. ) was notified and listed as one of the debtors that had been notified of the chapter XXXX bankruptcy. 
According to my bankruptcy attorney this judgement should have never been filed due to the circumstances. I was also made aware that the attorney who filed this lienmotion had been sanctioned by the state bar several times around the time of this action for doing similar acts. 
I am requesting that this judgement against me be removed since it was done illegally.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I took out a personal loan for {$10000.00} with Discover. I made the final payment for this personal loan on XX/XX/XXXX, in the amount of {$730.00}. This payment settled my account in full, completely paying all interest/principal that was due. Discover has not reported this payoff to the credit bureaus, and this personal loan account still shows as open on my XXXX credit report with a balance due.
Product: Checking or savings account

I have multiple accounts with Chase. One of the accounts was overdrawn and I was charged 2 NSF fees that I didn't dispute because they were valid. Then 2 weeks later, as soon as my direct deposit came into my other account, Chase collection department moved {$200.00} from that account without a courtesy call or notice. I had 2 items scheduled for that account for {$110.00} and 45.XXXX On XX/XX/20, I checked the account via text message and the items had not posted yet. To my surprise, the next day on XX/XX/20, I get an alert that my account is overdrawn and i have a NSF fee. I contacted Chase and told them first they caused the account to be overdrawn by moving funds without my knowledge, and second, that NSF fee is unjustified because the item did not post on XX/XX/20, based on the balance i received via text message and i forwarded them a screen shot with the balance date and time. The NSF fee was refunded. That same day XX/XX/20, I managed to deposit {$1000.00} to cover both items. Again I went online and saw that the {$45.00} was already paid and the {$110.00} and the {$1000.00} were pending and my balance was about {$850.00}. So I was fine. If I wasn't, I would have moved money from so n't account to cover the {$110.00}. The next day on XX/XX/20, to my surprise again, the {$110.00} had been returned and another {$34.00} NSF was posted on my account. I contacted Chase to not only dispute the NSF but the return which will cause me another fee with the other party. In one of their responses, Chase stated that they normally process credits and then deducts debits. Which clearly shows that the return was unjustified. Chase certainly keeps track of log-ins and can see that I did log into my account on XX/XX/20 and my balance was positive and both the {$1000.00} and the {$110.00} were pending. 

Chase is a predatory bank that charges bogus NSF fees for items that haven't even posted on dates they claim they have. Luckily I had the text message to prove that the first NSF was incorrect. For the second one, because i was on their website, there is no screenshot. But they should be able to verify that my balance was {$850.00} The return of {$110.00} is unjustified and they need to look into why it was returned. 

My balance is low at the moment, but I had over {$30.00}, XXXX deposited in my accounts in the past 6 months. {$14000.00} severance check in XXXX and another {$8000.00} from my XXXX in XXXX and a weekly direct deposit since XXXX from my new Job. Prior to that I had $ XXXX or $ XXXX deposited each month for the past 10 years. Having a low balance is not a crime and should not be an opportunity for Chase to prey on people.
Product: Mortgage

We are trying to short sell our property. We had a buyer approved and set to close XX/XX/2016 at {$230000.00}. That buyer could not sell his home. We have another offer and Caliber is telling us that their investor will not accept? Thye appraised it XX/XX/XXXX at {$230.00}!!!! This was their own appraisal!?