23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Theykeep calling my employment every single day, my boss is advising me that they can't call here.
Product: Money transfer, virtual currency, or money service

Venmo payment of XX/XX/22 confirmed by Venmo that Transaction ID XXXX for {$300.00} from me, XXXX XXXX ( Venmo name @ XXXX ) to XXXX XXXX ( Venmo Name @ XXXX ) was successfully sent and received, however : 1. Although I see the transaction in my Venmo App as complete, XXXX XXXX does not see any transaction and never got a companion email from Venmo notifying him if a transaction ; 2. Although both of us have called and discussed the issue numerous times, they say the transaction was successful and XXXX XXXX received the money ; 3. My phone and email correspondence to get a resolution only leads to " the transaction was successful, the recipient has received their money. Thank you for using Venmo. '' NOW TODAY I CALL MY BANK AND THEY SAY THERE IS NO VENMO TRANSACTION FOR {$300.00}. 

THEY DO SEE A {$1.00} TRANSACTION WITH XXXX XXXX WE BOTH AGREED WOULD GET US CLOSER TO UNDERSTANDING WHAT HAPPENED. 

I STILL WANT A FULL EXPLAINATION OF WHAT HAPPENED BECAUSE MY VENMO ACCOUNT STILL SHOWS I PAID XXXX XXXX AND VENMO THAT XXXX XXXX GOT THE {$300.00}. 

I DID RECIEVE A MESSAGE FROM ANOTHER VENMO USER VIA THE VENMO APP FROM XXXX XXXX. HE ASKS IF XXXX XXXX RIPPED ME OFF WHEN TRYING TO BUY SOMETHING ON XXXX XXXX. 

I WOULD THINK I WAS RIPPED OFF IF VENMO SAYS I PAID XXXX XXXX AND XXXX XXXX SAID HE SEES NOTHING BUT ITS UNLIKELY : 1. I've had personal conversations with XXXX XXXX on XXXX occasions while trying to troubleshoot this problem and if he took my money he would not have likely bothered. 

2. If my bank says Venmo never took {$300.00}, then maybe Venmo created a phantom transaction - like one does when testing a system - and doesn't realize this transaction was executed on a test system. 

Anyway, I need to know exactly what happened and why because Venmo could turn around anytime they want and take my money and say I authorized it. If its months after XX/XX/XXXX, I may not be able to dispute it with my credit card company, XXXX XXXX XXXX. 

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

I sent a letter off on XX/XX/2022. Here are my tracking numbers # XXXX, XXXX, and XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681 : I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802 : No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Checking or savings account

The check was released to Chime from SSDI on XX/XX/year>, as of today XX/XX/year> Chime claims to have no information on this deposit. With no information on receipt or any information about disbursement of the funds.
Product: Money transfer, virtual currency, or money service

My problems is the illegal discrimination that citigroup and it's ceo XXXX XXXX are using against XXXX companies and XXXX owners. Why would you bow to a few and not allow legal XXXX transactions from law abiding citizens and XXXX companies? You are forcing your views on me and other XXXX owner. You are infringing upon my rights as a legal XXXX owner to make legal purchases. This does not do anything to curb XXXX problems in this country. Your institution was bailed by people like me. I guess we can put you under by not patronizing your company and others like XXXX XXXX XXXX. We as XXXX owners can have our voice heard by hurting your pocketbook.
Product: Credit card or prepaid card

I have been a member of American Express since XXXX. I have always paid them on time, without any problems. However American Express put my wife on the account without our knowledge and that lead to more problems. My wife 's Identity was stolen and because my American Express Account was in her name too, these criminals had access to my American Express Account as well. After all these years, having the XXXX Card and The XXXX Card, they are treating me as a criminal and embarrassing me where I live. American Express called our neighbor, Mrs. XXXX XXXX at XXXX XXXX XXXX, XXXX, TX, XXXX at XXXX. This was so embarrassing, and against Federal Law. This is also a violation of my privacy. If American Express had not put my wife on my account without my knowledge or consent, I would n't be having this problem. Furthermore, I made arrangements to pay back American Express by paying them {$200.00} on the XXXX Card and {$200.00} on the XXXX card a month, but this is not acceptable, because their employees do not have the authority to do anything but harass customers. The F.B.I. has contacted them about my wife 's situation, but American Express chooses to ignore them and continue to harass me, and violate Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter to the three credit reporting agencies ( Equifax, XXXX, XXXX ) on XX/XX/2021. I asked the bureaus to delete six accounts because of inaccurate information between the three CRAs. Each bureau is reporting different dates for my date of first delinquency ( see attached dispute letter ). I received my dispute results back from each bureau stating that my disputed information came back verified ( see attached ) ; however I reviewed my XXXX credit reports after they verified and noticed the information did not change from my initial dispute reason with the different dates ( see attached credit reports ). I noticed that four accounts was missing the notice of dispute from the accounts I was disputing. How is three different dates from the same creditors to the bureaus accurate? How did the bureau verify false information? Why didnt the companies send the notice of dispute within 30 days? By law, they should delete inaccurate information within 30 days but yet the false reporting has continued to cause severe anguish and multiple failed opportunities to get approved for any type of credit. I need your assistance and ensure they delete unverified and inaccurate information from my credit report. 

Uploaded documents include 53 pages : Pages 1-2 : Dispute letter Pages 3-25 : XXXX credit reports highlighting inaccuracies Pages 26-29 : USPS tracking and receipt Pages 30-53 XXXX XXXX credit reports showing no change and missing notice of disputes
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain information on my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking my rights under 15 USC 6802, 15 USC 1681b, and 18 USC 1028a. I am concerned that the information contained in my credit report may be inaccurate, incomplete and was obtained and reported without proper authorization. I have attached a copy of the " copyright notice '' recorded with the county in the State of Arizona as well.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the numerous unsuccessful attempts to remove late closed accounts from my credit report. Despite my repeated efforts and assurances from your company, these derogatory entries persist, impacting my financial reputation and opportunities. 

Over the course of several months, I have diligently followed up with your company to rectify the inaccuracies in my credit report. Unfortunately, each attempt has yielded temporary fixes or promises of resolution, only for the same issues to resurface shortly thereafter. This cycle of inefficiency and frustration is unacceptable and undermines my confidence in your company 's ability to handle such matters effectively. 

The persistence of these late closed accounts on my credit report has had significant consequences, including hindering my ability to obtain favorable terms on financial products and negatively impacting my credit score. Furthermore, it has caused undue stress and anxiety as I struggle to mitigate the effects of these inaccuracies on my financial well-being. 

I demand immediate and decisive action to permanently remove these erroneous entries from my credit report. Additionally, I request a thorough investigation into the root cause of these repeated failures to address the inaccuracies effectively. 

Furthermore, I insist on being compensated for the tangible and intangible damages caused by the prolonged presence of these inaccuracies on my credit report, including any financial losses or adverse impacts on my creditworthiness. 

I urge you to prioritize this matter and provide a concrete plan of action to rectify these issues promptly. Failure to do so will leave me with no choice but to escalate this complaint to regulatory authorities and seek legal recourse. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary.
Product: Credit reporting or other personal consumer reports

I recently obtained copies of my credit reports from the consumer reporting agencies, I discovered some inaccuracies on my credit reports and proceeded to file disputes with each agency. All three agencies reported a late payment about ( Account Name : XXXX XXXX ) with account number XXXX. I have, however, always maintained timely payments on this account, and the late payment is inaccurate. Despite my dispute, XXXX and Experian are still inaccurately showing this late payment, with XXXX showing a late payment in XXXX of XXXX  while Experian is showing a late payment in XXXX of XXXX  ; again, this account has always been paid as agreed, and there were no late payments in either of those months. 

I request that the CFPB conduct a thorough investigation into these discrepancies and provide evidence of the lateness of these payments. If such evidence can not be provided, I ask that the late payments be removed from my credit report promptly and that my payment history be updated to reflect its accurate and on-time status.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, Consumer, Cardholder, Maker, who currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Bank, XXXX, XXXX, or " XXXX XXXX ) '', Truist BankXXXX XXXXXXXX XXXX XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the XXXX XXXX XXXX XXXX XXXX XXXX Report file of XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I was notified by FICO that a collection was added to my credit report. I checked the notification, and the collection agency said on my credit report that I owe {$190.00}. Called them out about the debt, they said I owed XXXX XXXX XXXX {$190.00}. And they wanted me to pay the debt. I paid the debt on my credit card. Afterwards, I called XXXX XXXX XXXX they were UNABLE to find the debt that Sunrise Credit Service said that I owed XXXX XXXX XXXX I was told by XXXX XXXX XXXX that I have XXXX balance with them. This company has dropped my credit score almost 50 points. Don't give this company any money. This is scamming people taking their hard earned money, and destroying consumers credit. This company had all my personal information. This company is a SCAM!
Product: Credit reporting or other personal consumer reports

Experian, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on 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 was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX Date opened : XX/XX/XXXX XXXX  : {$1300.00} XXXX  XXXX Date opened : XXXX XXXX, XXXX XXXX  : {$310.00} XXXX  XXXX Date opened : XX/XX/XXXX XXXX  : {$1400.00} XXXX XXXX  XXXX Date opened : XXXX XXXX, XXXX XXXX  : -.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my Equifax credit report are fraudulent, unauthorized, not mine and dont belong to me : The XXXX XXXX XXXX, XX/XX/XXXX, {$360.00}, XXXX XXXX   XXXX, XX/XX/XXXX, {$1500.00}, and XXXX XXXX XXXX, {$7500.00}.
Product: Checking or savings account

On XX/XX/2019 USAA FEDERAL SAVINGS BANK LET SOMEONE DEPOSIT A FRAUDULENT CHECK FOR XXXX AFTER LETTING THEM CHANGE MY ONLINE INFORMATION WITHOUT MY PERMISSION NOW THEY HAVE TAKEN XXXX OF MY MONEY AND WANTS ME TO PAY ANOTHER XXXX DOLLARS TO COVER THEIR MISTAKE
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have occurred. despite having sufficient funds when transactions were authorized. I was charged bees, due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal a similar transaction settle with insufficient balance is despite initial available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

1. I was charged a late fee on my XXXX payment for being 1 day late. The reason that I was late because Bank of America failed to send me any notification or statement in advance. I had no idea when the bill would be due. 
2. Bank of America 's bill pay does not have the option to set up autopay. I have recorded a screengrab where I tried to find autopay. I have a perfect on-time payment history because I setup autopay with every other bank in the country. Bank of America is the only bank that does not make it easy to pay the bill.
Product: Credit card or prepaid card

A person unknown to me ( " the fraudster '' ) was able to " capture '' my phone number, thereby disabling my use of my own phone and my own phone number ; then the fraudster was able to access the XXXX app on my phone, which contained usernames and passwords to three different retail credit cards. The fraudster called all three retail credit accounts, purporting to be me by " spoofing '' my phone number when he called my creditors asking for " new cards '' and " increased credit limits. '' Two of the creditors were able to verify immediately that the fraudster 's calls were not from me, and they immediately locked down my accounts and prevented fraudulent activity. 

However, when the fraudster called my THD/CBNA ( Home Depot/Citibank ) credit card account, s/he was successful in getting a new THD/CBNA credit card sent to the fraudster at an XXXX-area address, whereupon the fraudster promptly made {$2600.00} in fraudulent charges to my Home Depot/Citibank account. 

I have notified THD/CBNA by phone and by mail of the fraudulent charges ; made Identity Theft and Fraud reports to the FTC and my local police department, and sent copies to THD/CBNA ; disabled my stolen phone number and been issued a new phone number by my carrier ; made fraud reports to all three credit bureaus re the fraud and the unauthorized requests for increased credit lines ; and done everything I can to get THD/CBNA to remove the {$2600.00} in fraudulent charges from my account, as well as to correct THD/CBNA 's erroneous entries on my credit reports showing incorrectly that I applied for and was turned down for an increased credit line with THD/CBNA. Yet THD/CBNA has failed and refused to do ANYTHING except close my hacked account and open a new THD/CBNA account for me -- then THD/CBNA transferred all of the fraudulent charges onto my brand-new account!!!. 

My most recent bill from THD/CBNA shows all the fraudulent charges ( all made in XXXX -- far, far from my home address ) -- even though I have complained repeatedly to THD/CBNA that such charges should be immediately removed and that I should not be held liable for such charges. 

THD/CBNA has been careless and negligent in its gross mishandling of this matter and has been completely unresponsive the many communications from my wife and me about this matter. According to THD/CBNA, I owe them the {$2600.00} that a fraudster charged to my account when THD/CBNA negligently sent the fraudster a THD/CBNA credit card IN MY NAME!!
Product: Checking or savings account

I recently tried to deposit a check in the amount of {$23000.00}, however Pentagon Federal Credit Union ( on XXXX seperate occasions ) refused to deposit the funds into my checking account as requested. I can only assume employees at this bank chose to do this simply because I'm XXXX.
Product: Vehicle loan or lease

I was trick into getting a car that was trash the dealer and the bank wasnt being honest with me there was even a A DOOR LATCH WITH A BROKEN PAWL that could have kill me especially on the highway if you doing business with a dealership you got ta make sure their car are actually good I return the car back to the dealer and the deal was supposed to be canceled which never happened then Amount went from {$9900.00} to & XXXX
Product: Mortgage

/Ocwen is in violation of the XXXX guidelines. On XXXX/XXXX/XXXX I submitted an initial package requesting mortgage assistance including XXXX, tax returns, paystubs, rental leases, bank statements, hardship letter, XXXX, XXXX letter and utility bill.I received a letter from Ocwen dated XXXX/XXXX/XXXX acknowledging receipt of my request for assistance. On Tues. XXXX/XXXX/XXXX I spoke with XXXX id # XXXX at Ocwen and was informed that the file was complete, no documents were needed and file was in review. At that time I scheduled a telephone appointment with the single point of contact, XXXX XXXX, for Tues. XXXX/XXXX/XXXX at XXXX XXXX. She never called.On Mon. XXXX/XXXX/XXXX I spoke with XXXX id # XXXX and was told that I had been denied assistance on XXXX/XXXX/XXXX. I was told I was denied for HAMP Tier XXXX and Tier XXXX because Ocwen said that they did not receive the initial package before the deadline of XXXX/XXXX/XXXX which is a blatant lie as evidenced by the XXXX/XXXX/XXXX acknowledgement letter! Futhermore, the denial letter said I was denied an in house modification because " the financial information I provided indicated that I have the ability to pay using my income. " My gross monthly income, as verified by Ocwen, is {$3400.00}. My current XXXX payment is {$2300.00} which represents a front end debt to income ratio of 70 % which is the text book definition of immiment default!
Product: Credit reporting or other personal consumer reports

When I signed the Privacy Act form, the student loans on my credit report are in violation of the educational Privacy Act. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The student loans should not be reported on my credit reports by XXXX, Experian, or XXXX. They should be removed asap as this has hindered me from getting countless approvals for credit cards. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ''
Product: Credit reporting

Experian refuses to reinvestigate an item that 's appearing on my credit report. I sent several documents in that stand behind my claim. I was told although I sent in proof of the inaccuracies there 's nothing they can do about it. Only the company can remove inaccurate items. Please find that I 've included the necessary documents that this item is reporting incorrectly and still remains on my credit bureau. 
" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, the credit bureau has an obligation to conduct a reasonable reinvestigation.79 The bureau must generally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 More over it has five business days to forward the dispute to the relevant furnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, or can not be verified, thebureaumustdeletethedisputeddata.83 Furnishers have in dependent obligations under the FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section 611 to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNT ARE IDENTITY THEFT THEY DO NOT BELONG TO ME IT ALL
Product: Checking or savings account

I notice a new recent checking account is open without my knowledge. I did not open any new checking account under my name recently. Please provide documentation of consent of the new checking account opening.