23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Venmo is submitting improper cash advance requests to XXXX, resulting in cardholders being charged interest. 

In XX/XX/XXXX I noticed that interest had been accruing on my credit card, despite me paying off the balance every month. When I called XXXX, they informed me that the interest payments were related to {$60.00} sent to my sister via Venmo in XX/XX/XXXX. The representative indicated to me that the {$60.00} had been processed as a cash advance and therefore accrued interest immediately and on a daily basis. I then told the representative that while the underlying transaction was legitimate, I had not authorized Venmo to process it as a cash advance and that I would like to dispute it. The representative informed me that the only way to dispute the transaction was to dispute the entire XXXX amount. Venmo immediately deducted {$61.00} from my sisters account despite the dispute having nothing to do with her. I sent dozens of emails to Venmo and did not receive any substantive response or have the deduction reversed. 

On XX/XX/XXXX I was issued a complaint response form stating that XXXX had upheld the transaction because the services were provided - a fact that was never in dispute. In addition, Venmo claimed I was in violation of the User Agreement because I was paying for goods and services instead of sending funds to a family member. 

I then called XXXX cardmember services and was able to get ahold of someone who could process my dispute correctly, resulting in a credit being issued by XXXX. To my knowledge, Venmo has not yet restored the funds to my sisters account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX cards a validation letter disputing the debt on XXXX. Pursuant to the FDCPA. XXXX cards failed to provide me any evidence within XXXX  days that they have a right to collect on this debt. Therefore by law the account is errant and must be zeroed and removed from my credit report. XXXX closed the account but failed to zero it and also reported negatively on my credit report. I also sent another round of letters to their headquarters in New York. Still no validation response from them. Also sent letters to all three reporting agencies along with all correspondence i sent XXXX cards saying that the creditor has not validated the debt, the account is errant and needs to be removed by law. The reporting agencies failed to remove the account and follow the law as well. Equifax removed the account at first from my report but then put it back on after the validation time was over. I believe that is also a violation of the law to remove an account and then put it back on.
Product: Consumer Loan

I already submitted a complains 6 months ago, but the company, SunTrust, refused to acknowledge my dispute, so it 's just sitting there. They sold my auto loan without advanced notice to a sub prime lender with a horrible customer service track record. I was made aware of the sale, AFTER, it had occurred and my online access to the account with SunTrust cut off. Since then, EVERY MOMTH, without fail, I get an e-mail reminder of my previously setup automatic bank draft not going through. I have called and e-mailed to stop these, which could have been resolved in the first place if they had allowed me access to the account to un-enroll in automatic payments ( but again, they cut me off in the first place ). 7 months after having the loan no longer serviced by SunTrust, I consider these e-mails to be harassment and DEMAND THAT THEY STOP IMMEDIATELY. This ongoing issue is why I submitted a complain in the first place asking SunTrust and the CFPB to review their policy on selling loans without advanced notice. Their only response was a letter that sounded like I was a child and rather condescending, wholly unaware that loans are sold. I know loans are sold, but I 've never had it done without advanced notice and with my access to the loan cutoff.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX .... Balance : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX made a mistake in sending me 2 ( two ) refunds for my credit card. The amount on the billing reported via telephone was XXXX but in fact {$270.00}. A copyof the second check was sent to my office for varificvacition 5 months later. Durning this time period it was reported to Experian as late payment which significantly brought down my credit rating and had massive financial loss due to bad credit. All other credit reporting agencies were good. 
XXXX admitted the mistake and informed Experian To daet here is no change or correction to my low incorrect credit score. Legal action against Experian and XXXX will follow shortly after my administrative channels have been exhausted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disptued this with all 3 bureaus already, twice each and not only does this still report exactly the same, but I am not receiving the proof of their alleged investigations. First of all, there shoud n't even be an investigation - these are blatantly obvious errors and second, I asked for these to be removed due to the knowledge that these would be veriifed. See my disputes below : XXXX XXXX balance : XXXX and XXXX $ XXXX/Equifax {$20000.00} ; late payments : alleged late on XX/XX/XXXX is reported as paid as agreed on with XXXX, which is correct I was never late XXXX XXXX XXXX has me listed as currently 60 days late on both of these accounts - # 1 I was never late on this account and # 2 I can not be currently 60 days late on a paid off account that was always paid on time account! They have not updated this account since XX/XX/XXXX on the first and XX/XX/XXXX on the 2nd! If I was in fact late on these accounts, they would have continued to be late instead of showing a late payment status on a closed and paid account! These can not possibly report on my credit file any longer considering the fact that ( once again ) I was never late and I can not be late on accounts that have not been updated for 1-2 years! XXXX XXXX XXXX I paid on time XX/XX/XXXX and XX/XX/XXXX and all 3 bureaus are reporting that I was late without any proof
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX
Product: Mortgage

See attached XX/XX/XXXX full and complete complaint of a missed payment by XXXX causing a missed payment by Nationstar to be claimed XXXX XXXX XXXX aside from the unresolved error correction of Nationstar 's claim that on XXXX XXXX XXXXXX/XX/XXXX Nationstar allocated {$11000.00} to late fee payments in lines XXXX as a false damaging claim when Nationstar did not have this amount to ever allocate. Nationstar uses detail reports to conceal what is actually allocated within the mortgage file in the internal system. SEE ATTACHED.
Product: Credit card

When shopping with my daughter and friend for groceries, at check out my capitol one, gm card was refused to pay for groceries, Later when i called capitol one fraud center and spoke to XXXX ID # XXXX??? she said some groceries in XXXX were experiencing credit card fraud so they question all sales, My Complaint is if they are going to Arbitrarily discriminate XXXX groceries they need to inform card holders to stop the embarrisment at time of purchase.How can I cancell doing business with capitol one without effect my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response to my initial dispute to what I believe is a stall letter. I am who I say I am and I provided proof of identity with my first dispute letter. I'm resending my dispute along with clear proof that I am who I state I am. My Equifax has not been reporting and you need to updated this.
Product: Credit card or prepaid card

Wellsfargo has violated me by closing out consumer credit transaction accounts which I as the original creditor had established due to alleged late payments. I paid these people and they closed out my account! Ever since they closed out my account it has caused nothing but harm and an enormous amount of stress. They reported negative adverse information to my credit report which has done nothing but put a burden on my life! They mad violated me yo! Every time I spoke to a representative they told me that my account would not be closed due to covid-19 effecting my income however, when I went to login to my account it was closed down and told me i no longer had any products with them. I was speechless yo ( shaking my head ). They also closed out previous bank accounts that i had with them as well without my knowledge. At this point they have totally committed unauthorized use ( 15 USC1602 ) as the cardholder, I was not granted proper documentation nor the full disclosure that I needed in order to correct, if anything, my payments. I was on an open ended credit plan so there should not have been any alleged late payments at all reported due to the finance charge within the contract agreement which if they upheld their practices accordingly they would know is the sum of all charges! This is discrimination without a doubt and fraud ( 15 USC 1691 ). Because of the negative reports Wellsfargo made to the credit bureaus it has been a hassle getting approved for credit cards, bank accounts, automobiles and living headquarters just to name a few. This has been effecting me mentally and physically over the course of time and i'm tired of the abuse and i'm seeking remedy. I never even gave them written permission to report any of my information to any credit reporting agency which is totally identity theft! I don't understand how banks expect to have our confidence as consumers when they brake the law and build mistrust with its consumers. Absolutely crazy to me.
Product: Checking or savings account

I opened an high savings account with Sandy Spring Bank. I applied for the account online and spoke with their security division prior to them approving and opening the account. The initial deposit from another bank was completed on XX/XX/2023. I have attempted to receive online access on multiple occasions. On XXXX, I spoke with their Client Center who stated that I needed to present myself to a physical branch location to be able to set up online access. I inquired on how I might be able to access my money and again was told that the only recourse was going to a physical branch location. I would have set up this account, nor would I have allowed the transfer of funds from another financial institution. Further, I am concerned about the security practices of Sandy Spring. If there was a need to confirm my identity or provide additional information, shouldn't that have been done prior to them opening the account and moving my money.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 925 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

I returned some items the store said I would get a refund never did. I disputed with my bank and they said it was authorized. I told them I RETURNED the items.
Product: Debt collection

Midwest Recovery inserted a fraudulent account into my credit file. Not only is this fraud Midwest Recovery has failed to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform this company that this account do not belong to me and is a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Credit card or prepaid card

I paid my CITI Bank XXXX ( Citibank Customer Service XXXX  XXXX XXXX XXXX XXXX, SD XXXX ) 2 weeks before the due date by phone. I enter my bank account and routing number and LISTEN for the automated system to repeat it. CITI says that I entered the wrong account number and CHARGED me LATE and OVER THE LIMIT FEES in excess of {$110.00}!! This is a SCAM and FRAUD!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not give permission or consent to transunion to funish my report.
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 violates 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 process 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 had caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

A small {$XXXX} line of credit account was opened in XX/XX/XXXX with my primary bank at the time, XXXX XXXX  state XXXX 's XXXX XXXX. The account was paid on time, paid as agreed until it was closed by my request in XXXX of XXXX. As of XXXX, I discovered that XXXX was reporting blatantly inaccurate and false information about this account. In XX/XX/XXXX, I filed a series of disputes with XXXX and contacted the data furnisher, XXXX by phone. After a series of failed attempts to correct the information, I filed a formal dispute with XXXX in XX/XX/XXXX by mail. Attached are the results of the disputes with XXXX and with the XXXX, XXXX. All attempts to resolve the reporting errors through the formal dispute process were unsuccessful. XXXX stated in the letter dated XX/XX/XXXX, that the account was updated to report as paid and closed however XXXX 's reporting of this account remains riddled with errors including reporting this account as too new to rate. 

The account reporting errors as recorded by XXXX currently include, but are not limited to the following : Reporting the account status as " Too New To Rate, '' reporting the close date as XXXX, when the account was closed in XX/XX/XXXX at the request of the consumer, High Credit was {$XXXX} for which the balance at closing was {$XXXX, Date Reported should reflect soon after the account was closed in XXXX, not XX/XX/XXXX. 

This complaint is being filed for the purpose of resolving the errors currently reporting on this account and to bring attention to inadequacies of the XXXX dispute process.
Product: Debt collection

I asked for written proof of debt, never received they just continued to report to my credit.
Product: Checking or savings account

Basically Truist bank charged 2 Overdraft fees ( {$72.00} ) because Truist monthly maintenance fee was charged the same day I made the deposit to cover upcoming payment. The maintenace fee does not have a fix date go into my account ( it happen to be the XXXX XXXX ). The next day my car payment went in and it was 5 dollars short because of the fee charged the previous day. Also I understand that a maintenace fee can not generate a overdarft fee. Anyway I talked to the bank in person but they will not refund the fee. Also the next charge from XXXX XXXX does not have a fix day to go into my account and they process it on Saturday causing a second overdraft fee. I deposited {$240.00} cover all fees on Monday XXXX XXXX with the hope of getting the fees back. 
Truist bank does not notify when the maintenace fee is charged - XX/XX/XXXX, plus I was on vacation overseas, but still would have reacted an cover in time. 
Truist would not rerfund these fees ever. I work for Suntrust Bank and had a free checing account but they changed to whatever was convenient to them. I am a seniorperson and leave on a tigh budget. 
Please assist getting this refund
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card

I have a BBVA VISA credit card. I called the number on the back of the credit card to close it ( XXXX ) and someone answered right away which I thought was strange ( without any recording ). I told him I wanted to cancel this credit card and he said that he needs another credit card information to verify me. That is when I decided to end the call.
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 process 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 financial loss, and I seek appropriate redress for those violations
Product: Prepaid card

I am a ( pending ) customer to RushCard for a few years. Over 2 weeks I have n't been able to access my XXXX accounts/funds ... My XXXX & payroll checks both gets deposited into my accounts ... Have n't been able to pay my bills, ex : made a budget payment plan with my daughters cellphone company, since Rushcard declined to process the transaction ( which I have available in my account ) now her total bill is due & service has been interrupted ... XXXX How fair is this to her & I? Running low on food & toiletries ... .. Rent is about due, but the most importance overall is putting a smile on my daughter 's face for her XXXX birthday this Friday ( XXXX XXXX ) ... .. I 'm having XXXX as I know & feel I still wo n't be able to access my funds yet another week : ' ( XXXXPlease help me!!!!!!!!
Product: Mortgage

USBank Home Mortgage is about to steal my home through Fraudulent Foreclosure. 

Before I found out about their fraudulent activities I fell behind on my payments due to loss of my job. I contacted XXXX XXXX and he failed to show up in court so the mortgage company got a judgment in default. 

I tried repeatedly to obtain a Loan Modification after my finances were back on track. They denied me multiple times. I gave permission to a friend of mine to make a Loan Mod request on my behalf and again USBank denied it. 

I hired XXXX XXXX ( a Loan Modification firm ), and again USBank refused to grant the request. I used a non-profit company called XXXX to request a Loan Modification on my behalf and they too were unable to get any cooperation from USBank Home Mortgage. This is a desperate plea for help because I can not afford to lose my home and end up on the streets at XXXX XXXX XXXX. I need your intervention. I can prove the fraudulent acts by USBank Home Mortgage and its Officers. Please help escape a Fraudulent Foreclosure. I can not sleep at nights, I can not breathe sometimes, I can not eat or think straight sometimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX. High Credit balance reported as a loss by credit grantor. XXXX XXXX XXXX. XXXX is {$0.00}. XXXX I have no knowledge of this account, if this was charged off it can not still be reporting. you must remove or submit a XXXX because you can not collect on a charged of account that you submitted to the IRS please remove and suppress. please update credit report