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

On XX/XX/XXXX at XXXX XXXX, I contacted Venmo about a fraudulent transaction on my account for {$500.00}. When I spoke to the customer service representative, she agreed that the transaction was fraudulent and opened a request ticket, reference number XXXX. Prior to contacting Venmo, I contacted my bank to stop the fraudulent payment at XXXX XXXX. Due to the holiday weekend, the official dispute/stop payment was not opened by my bank until XX/XX/XXXX. However, the bank was able to stop the transaction in time and I informed Venmo of that resolution. 

On XX/XX/XXXX, I began receiving emails from Venmo stating that my account had been frozen. They stated that since my bank would not conduct the transaction that Venmo had covered the amount for me but that my Venmo account would be frozen until the amount ( {$500.00} ) was repaid. Again, they had been alerted that this was a fraudulent payment and that the transaction would be stopped on my end but still proceeded to cover the transaction. 

I reached out to Venmo to see how to unfreeze my account. They requested that I file a police report and that they would work with the investigators to resolve the issue. I called and spoke to a detective at our local police department on XX/XX/XXXX. The detective informed us that because I did not lose any money ( due to the " stop payment '' ), there was no crime to file the police report on, so I would be unable to file a report. 

I let Venmo know what the detective told me, and Venmo responded with the same statement that I needed to file a police report ( XXXX ). When I repeated that I could not file a report and again relayed what the detective told me. They said they would not be able to help me any further because the transaction had already been completed in their system ( XXXX ). 

On XXXX, I received another email from Venmo saying that my account had been frozen and would remain frozen until I authorized the payment of {$500.00}. At this point, I'm getting near-daily harassment from Venmo requesting money. This seems like a communication gap between their customer service and fraud-alert system. Again, I alerted that this was a fraudulent payment and that the transaction would be stopped by my bank but Venmo still proceeded to cover the transaction.
Product: Credit card

Synchrony has advised customers that they are going to begin charging a {$1.00} per month fee to receive paper statements for their Lowe 's consumer accounts. I am writing to advise the CFPB that this seems to be an unfair practice in my opinion. Personally, I do not like to receive statements solely via e-mail, as it is not a reliable way for me to keep track of bills that are due. Further, I have to believe that there are some consumers who may not have access to electronic statements or bill payments ( e.g., elderly or those who are economically disadvantaged ). The letter that was sent by Synchrony did not offer any alternatives for consumers- simply warning them that they will start to be billed the fee if they don't convert to online statements. I respectfully respect that the CFPB look into this new practice and take appropriate action to protect consumers from additional fees.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of an account opened XXXX  XXXX Account Number : XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX dateopened XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Approximately XX/XX/22 i sent a letter to this company ( One Main ) to remove the inaccurate information off of my credit report. I have not received any response or acknowledgement from them. I sent out an follow up letter by certified mail on XX/XX/XXXX and this company has yet to respond and/or remove the inaccurate information off of my credit file. I have attached the letter I have sent to them with my signed signature. Please help assist me with an investigation and the removal of this inaccurate information.
Product: Mortgage

Dovenmuehle continues to harass me every week with requests to show homeowners insurance from XX/XX/XXXX-XX/XX/XXXX. I have been showing this information to them repeatedly since XXXX. I bought this home in XXXX, unfortunately it was sold to Dovenmuehle which is the most incompetent servicing company I have ever dealt with in 22 years of owning homes. When I purchased this home the underwriter failed to inform me of needing Hazard Ins. It went to closing and was approved with the homeowners coverage that is standard. Dovenmuehle bought it late XXXX and failed to inform me of there requirements until late XXXX so No I did not have Windstorm until XXXX because of not being informed properly of these requirements. I did follow there requirements and bought windstorm on XX/XX/XXXX that Dovenmuehle shows started XX/XX/XXXX. They harassed me about the back dated insurance charges for weeks. Finally they fined me XXXX and change for the months that I didnt have windstorm. Thought that would be the end of it. Nope still getting harassed with new letters asking for proof of coverage.. These incompetent servicers then screwed up my escrow analysis stating I have two insurance policies that are both XXXX and increased my monthly mtg payments to XXXX more a mth. Spoke w/supervisor and hopefully its cleared up. But doubt it with there history! Then they claimed I had lapsed on homeowners once for a few days. Charged me XXXX and change for that. Showed them the ins. Declaration page and they said it would be corrected. Still not! One thing after the next and they are just ready to slam the fines on you for there incompetence. It seems like they are in business to harass, bully, and try to get your home foreclosed. This should be illegal! If any attorneys want to take on this company I would love to join a lawsuit!
Product: Checking or savings account

I had unauthorized transactions on my account and reported on phone XX/XX/XXXX and sent written confirmation. On XX/XX/XXXX I received email that after investigation my claim was approved, I was issued final credit, and the case is closed. On XX/XX/XXXX my checking account was closed and I received email my balance was going to be sent in a check 5-7 business days. I never received my check or access to any of my funds and call back every other day to ask for status of check only told it was sent and to keep waiting. I call at least 10 times ( between XX/XX/XXXX - XX/XX/XXXX ) with different people all telling me the check was sent and to wait 1-2 days or call back. They then tell me I can only speak with someone named XXXX and my check will not be sent. I speak with XXXX and he tells me the closed investigation is reopened and a wrong department investigated, I receive an email XX/XX/XXXX that to continue the reopened investigation I have to send additional information. Everytime I speak with XXXX he says he already told me about reopening the investigation but I never agreed or heard about it. I never received any further notice or email/letter regarding reopening the investigation, only communication I have is from XX/XX/XXXX that the investigation was finalized and on XX/XX/XXXX that my account is closed and a check was sent. It appears everything I was told was a lie.
Product: Mortgage

I filed for Mediation for my home loan. The mediation package from the foreclosure attorney had most items in it. except for the payment from the mortgage insurance company. It had a notation in it. but did n't post the payment from the company. I had talked to the mortgage insurance guy and he wanted to go over figures with me. and then told me they had to pay Suntrust because I had received a discharge on my bankruptcy. Even after the Pay off. Suntrust is still charging a mortgage insurance fee. this time it is lender imposed and not imposed by the mortgage insurance company. Please make Suntrust service my loan correctly. The loan amount is n't correct and the mortgage insurance should n't be charged. 
also my deed of trust was n't dated by the notary. XXXX allows for the lender to fix flawed Deed of trusts. Maryland does n't allow back dating a deed of trust. so if I am correct. no interest is due on this loan. Am I not correct?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with platform. Dispute using Zelle number of times and report discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking these transactions was infeasible. The CFPB finding indicate that Zelle has not only negotiated to protect consumers but have also allowed repeat offenders to to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumers safety
Product: Student loan

I have had trouble with my federal student loans since they were sold to Navient without my permission. I did not choose them to be my service provider. 

First, they put me in a repayment plan that was not the best option for me and would have cost me thousands of dollars more over time. I figured it out on my own, and it was nearly impossible to have it switched when I did. No response from customer service, social media, no follow through. 

As of right now, I have been paying at least double ( often more ) on my student loans since XX/XX/2017. I am asking that with each payment, that the due date gets advanced. Despite this request every single month ( on their website prompting me to make the request! ), my due date says this month. This is 100 % entirely incorrect. My due date is not being advanced. This is putting me in financial danger if I pay more and then become unemployed. It is illegal to take my extra money and not apply it as I am indicating on my loans. This is an option with EVERY online payment - and every time, I have requested to advance my due date with the extra payment money. 

They are not responding to this problem via phone, social media, email communication or through their online portal. Please help. I am also not certain whether my extra money is being applied correctly. There is nothing on their site to see the history of how my payments were applied or what interest is accrued monthly, retrospectively. It simply provides a list of my payments without any actual details of how they were applied over time.
Product: Debt collection

On XX/XX/XXXX a debt collection notice was received from XXXX XXXX XXXX XXXX XXXX. Immediately the letter was disputed and a Debt Validation letter was sent in response via certified mail return receipt requested. 

The company XXXX XXXX XXXX XXXX persist in the response that the debt is owed to them in the amount of {$2200.00}. They also state in the response " If you believe that we have reached this conclusion in error, please reference the information below '' offering nothing but payment methods to resolve their error. 

Attached is the original ACH transaction from XX/XX/XXXX to the original creditor for the original amount of {$2000.00} with no fees. 

This account should have never been sent to collections for it was never delinquet.
Product: Money transfer, virtual currency, or money service

Around XX/XX/, I fell victim to a multi-layered scam orchestrated by XXXX XXXX ( the " Scammer " ) Which involved me making deposits for a total amount of XXXX USD from my America First Credit Union account via XXXX machine/ATM to the Scammer.
Product: Credit card or prepaid card

currently there is XXXX XXXX dollars give or take on my credit card business ink through Chase Business. I have called at least 20 times into resolving the matter. I kept getting transferred, line would go dead, I would be put on hold for very long time, I could not understand what the person on the other end was staying to me due to a language barrier. 

I been trying to dispute the ENTIRE Current balance on my chase BUSINESS credit card since I did not approve of the purchases on there. I submitted a receipt to the fraud department stating the purchases were not me since I had lost my credit card and had lost my phone. I submitted the documents to them back in XXXX for the phone.
Product: Debt collection

I called them to have some kind of settlement arranged. The representative told me if I payed {$100.00} down the amount would be reduced. I paid the money then recieved a bill and the amount was not reduced. So I did not make the payments. I started recieving phone calls. I asked to speak to superviser told her the situation she told me that her people would not make a deal like that I asked her to listen to the recording she told me no she didnt have to her people wouldnt make a deal like that. Then she offered if I paid the balance in full right then she would make the deal.I told her no. I recieved several calls after that then they turned it back over to the company the debt was created with is what I was told,
Product: Debt collection

Gatestone continues to call my workplace to collect a debt of {$110.00} from XXXX. XXXX has indicated to me that this was a mistake and they will correct the issue and send me that in writing. I have told Gatestone not to call my workplace phone and to send me their concerns in writing. They continue to call but I have not received anything in writing.
Product: Credit reporting or other personal consumer reports

To whom it may concern. 

On XX/XX/XXXX I was checking my credit as I regularly do and noticed one of my scores was XXXX -- that would be a 30 % decrease in my score in a matter of months with XXXX activity on my part. 

Upon review, it turns out that a XXXX Infinity was purchased and ultimately repossessed, auctioned and sold. The account, charged off. That charge off is what is on my credit along with the late payments from the auto. 

With that, XXXX shows an account # XXXX in my name XXXX XXXX and my ssn but not my Idaho address. The account shows at : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please remove and repair my credit report to the good standing it has been for 22 years. 

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 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 these violations.
Product: Checking or savings account

Hi All, I have a XXXX account ( username : XXXX  ) where I sell items. On XX/XX/XXXX my account was hacked and the hacker changed the email and bank account associated with my XXXX  account. Since I was still logged into the app, I didn't notice and continued to sell items on the account. The hacker withdrew funds from my account to their bank account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of {$270.00}. I noticed something was strange and reached out to XXXX  on XX/XX/XXXX. XXXX  refused to investigate and stopped responding. I changed the email, password, and bank account associated with my account, but i still am unable to recover the lost funds. The hackers ' email and bank account information are XXXX and JPM chase last four digits XXXX. I was hoping you could reach out to XXXX  for assistance and JPM chase to shut down the account / acquire the stolen funds.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX  These credit accounts are the results of identity theft and fraud.
Product: Debt collection

I was called today XX/XX/XXXX about a debt owed to a Bank that went into foreclosure called XXXX. I was told that the debt was from XXXX. I was contacted by a guy named XXXX XXXX from XXXX XXXX XXXX who stated that this debt was {$390.00} and now it has turned into {$4000.00} owed! He told me that a collection agency called XXXX XXXX XXXX was trying to collect on the debt. They had sent a total of 35 collection letters to which I never have received 1 letter, tried to have me served papers by the court to which I was never aware of. The whole thing didn't make sense to me because I never had a bank account with XXXX XXXX and this debt was not or never been on my credit report. XXXX could not give me the address, email, phone number for XXXX XXXX XXXX and when I looked them up they are a designer company. XXXX XXXX could not provide a website and the number he called from was XXXX. There is no website for XXXX XXXX XXXX XXXX XXXX. He kept stumbling over his words when further questioned about this owed debt that has now ballooned to {$4000.00}. He had the last 4 digits of my social as well to which I did not reply as being correct or not. I do not owe this debt, if I did who was I to pay? The bank closed in XXXX, I have had no correspondence, its not on my credit report and its not on any filings with the county court. This seems like a scam!
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 redressFurthermore, 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 redres for these violations.
Product: Credit card or prepaid card

Too whom this my concern : Hello my name is XXXX XXXX, I received a reliacard from US Bank and I made a purchase on the card for XXXX XX/XX/XXXX and return the purchase on XX/XX/XXXX. I few day past I notice that credit has not return the card, so I call open a dispute. When the rep went over the disputed details I was told that I will received a provisionally credit with 10 days. So today XX/XX/XXXX we are on the 11th day and no credit has been given so when I call today I spoke with XXXX, she explains to me that I would not be getting a credit and I explain to her that I reviewed the term of condition states that within 10 business day the credit will be issues, XXXX stated that we dont have to follow the terms of the card, which I thought was odd. But here are copies of the term of the card, copy of the receipt and detail display the store. Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 There is a hard inquiry by XXXX XXXX XXXX appearing on my credit report. 
This is incorrect. I did not apply for any new credit nor loans with XXXX XXXX. This inquiry needs to be removed. Errorinformation appears in Trans Union and XXXX.
Product: Credit reporting or other personal consumer reports

On the date of XX/XX/XXXX and XX/XX/XXXX I notified Equifax, XXXX, and XXXX about this account that does not belong to me, The companies agreed to delete the account after the investigation was concluded but the attached document will show that this account is still being reported on my consumer report. 
I explained I am a victim of identity theft, I made it clear to Equifax, XXXX and XXXX that this account is not mine. 
All XXXX bureaus have continued to report this XXXX XXXX account XXXX inaccurately on my consumer report which violates my consumer rights. 
This account should be immediately removed from all XXXX bureaus as the agreed resolution states. 
After the investigation conducted by Equifax, XXXX and XXXX they concluded that the account was to be deleted but the attached document of my newly updated credit report XX/XX/XXXX is still showing this inaccurate account on my consumer report. 
They claim to have conducted an investigation which has been proven to be false. This inaccurate information is inhibiting me from obtaining funding for a home purchase which is causing emotional distress and damages for me and my family. 
Yet again, you have failed to accurately report information on my consumer report after being notified repeatedly that this account is being inaccurately reported. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, and XXXX  should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$10000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )