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

I have a certificate of deposit with Wells Fargo Bank , N.A . It is due to mature on XX/XX/year>, and I do not want to renew it. I will be out of the country in XXXX and therefore met with a banker to provide face-to-face instructions not to renew. As an alternative, I also offered to provide signed notarized instructions. I was told that under the banks policy, my only option was to make a costly, post-maturation-date international telephone call which could take up to thirty minutes. Otherwise the certificate of deposit would automatically renew at a lower interest rate.
Product: Checking or savings account

Approximately XXXX, 2023 Wells Fargo in XXXX locked me out of my safe deposit and refused me access. I went into the branch several times. By the time I was allowed access several days later {$12000.00} in cash was stolen. XXXX said see I told you we have cameras in the safe private room.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$830.00} XXXX XXXXXXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXXXXXX XX/XX/XXXX {$440.00} XXXX XXXX {$310.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$240.00} XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I applied for a Canival Cruise Master Card to go on a Cruise. I Got apporoved but I never got my Credit card iin the mail. I had to go out of the country for XXXX. I has a friend paying my bills. She thought the debt was mine so see was paying the payment. When I came back I found out my debt on that card was up to over {$2000.00}. I should of only owed at little over {$600.00}. Never got a card all except the one is not mine.
Product: Money transfer, virtual currency, or money service

Involved in a online scammed that used paypal that took {$1800.00} from me. i try calling the paypal to file a complaint that the person i question has scammed me for money due to the product not being shipped Paypal will not do chargebacks due to it being friends and family and they will not stand up for me i have contacted them multiple times about this same issue but its always : we're sorry we can not assist you due to the transactions being friends and family and is not protected. 
there has been no action taken for the missing money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for XXXX XXXX  and dept of education to change the balances on the loans I have a XXXX XXXX. The company promise to remove the balances to XXXX. The lender are not requesting for the loans that I have that are transferred/closed account. 
They are still sitting on my credit report appearing as double loans. They have the same account numbers, I really would like for the lenders to remove the closed loan accounts.
Product: Student loan

I have been trying to obtain information on how to remove co-borrow from the loan, (  XXXX  ) per the request of my co-signer since the middle of  XXXX  of   XXXX   (  XXXX  ) with no success. Per my conversation with the CSR they did not have a detailed history of my account and would have to submit a research request to Nelnet for further information. On  XXXX   XXXX  I received an email only contains a list of my transaction history from  XXXX  loan disbursement {$8800.00} to current balance of {$7800.00 } ( whi ch brought up another concern of why my paying for an  XXXX   XXXX  dollar loan 15 years later. I have not received the requested information yet and no answers of the process. I have been the sole payee of this loan from d ay one
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$0.00}
Product: Debt collection

I called and told CarMax XXXX that I needed to do a voluntary repossession of my vehicle because of finding out I have XXXX they said that they would not list it as a voluntary repossession they reposted it and resold the vehicle and have called my phone 7 days a week since the date of the resale the have been told to cease and desist because of the added medical stress do to their repeated harassment and they still call and have ignored the 7 in 7 collections law and are threatening legal actions
Product: Checking or savings account

Vystar Credit Union misleads s members about debt collection practices and freeze consumers out from their own accounts. 

They threatened actions and do not have authorization to take and cut off members electronic access to their accounts and bank cards if they did not pay overdue loans.
Product: Credit reporting

This is the second case I 've had like this. Their system is replacing previously reported data with " NR ''. For years, Equifax has report my XXXX XXXX account as 30 days late for XXXX XXXX. As it gets close to the 81 months of reporting, their system is deleting the reported credit info for each monthand turning into " NR ''. By doing so, this is NOT allowing 7 year old negative accounts to purge off. The XXXX account is scheduled to purge off because its 7 years for XXXX XXXX. XXXX is next week and the month of XXXX XXXX was replaced with " NR '' a couple months ago and still showing " NR '', which means it is NOT going to purge off XXXX XXXX like it should in XXXX XXXX because there is No Report history.
Product: Debt collection

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. PARAGON REVENUE GROUP failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. PARAGON REV  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Debt collection

Cks prime investments has contacted me about a debt a month ago I have asked for validation letter never received the letter only got a bill with the company name with my name and address on it
Product: Credit reporting or other personal consumer reports

there are unauthorized accounts on my credit report. I did not open these accounts ' XX/XX/XXXX ( XXXX ) ( XX/XX/XXXX )XX/XX/XXXX ( {$22000.00} ) ( XX/XX/XXXX ) XX/XX/XXXX {$16000.00} ) ( XX/XX/XXXX )XX/XX/XXXX ( {$7600.00} ) ( XX/XX/XXXX )XX/XX/XXXX ( {$3400.00} ) ( XX/XX/XXXX )
Product: Money transfer, virtual currency, or money service

I had a Venmo account that got closed back in XXXX  They told me NOTHING about why. They basically said we arent gon na divulge why we shut your account down & also not gon na reply to your emails Im almost certain I had money left in there too. 

Fast forward, I end up creating a new Venmo a few months later. Ive been using this Venmo for FOUR years now. ZERO ISSUES. Money going in & out. Im verified. Social is attached. Photo ID. Etc.

Well today, FOUR YEARS LATER, they suspend it. I check my email to see an email from someone saying they arent giving it back bc they already told me in XXXX I was banned. 

What Im gathering is bc Im using the same email that was associated with said account from 4 years ago, theyre reopening that ticket. 

I honestly dont know but once again, I was told nothing & told they would not be responding back to me about it or why. 

Regardless, you mean Ive had this account for 4 years & today you are tying this account back to one you banned 4 years ago. 

Not to mention, I forgot my password to it & CALLED SUPPORT yesterday to unlock it & they did. With no problems. 

Only to 24 hours later ban it & for what??? I havent done anything dude. At all. 

How do they get to just pick & choose who they ban & then not even tell you why????? 

So I said XXXX it, I went ahead & closed the account they suspended today bc I already knew it was gon na be the SAME BS from 4 years ago & I created a new one but this time with a different email so they wouldnt confuse my new account with the XXXX from XXXX again. 

IMMEDIATELY after making it, I was suspended AGAIN! 

This is insanity. 

Ive had the best experience with their customer service team via phone the last few days bc Ive been setting my husband up one & also getting mine squared away, only to within hours have the worst experience with them. 

All of this to say the ONLY reason I even want/need a Venmo is because I am running a XXXXXXXX XXXX XXXX XXXX. Its called XXXX XXXX XXXX We put a random mom up every week, as our mom of the week & all the moms in the group have the opportunity to bless her with {$1.00} if they choose to. 

In the last 12 weeks we have total as a group XXXX XXXX with over {$100000.00}!!!!! Our last mom received {$14000.00}. 

We truly do NEED access to Venmo so we can continue making this happen. I dont necessarily need mine bc I dont put myself up as mom but its the point. How am I supposed to feel comfortable telling other moms to utilize Venmo if theyre being god awful for me?????
Product: Checking or savings account

Hello. I am sorry but as a hearing impaired individual I am forced to enter this complaint after trying to open a dispute with the bank but have been unsuccessful via online banking secure messages. I explained I was hearing impaired in my secure emails to the bank but the bank employees responded back telling me to call the bank to open the dispute. I clearly explained I could not call nor have the means to call. 
Dear Synovus Bank Customer Service, I hope this message finds you well. I am writing to dispute several unauthorized transactions on my account. On XX/XX/XXXX, I received a text message at around XXXX AM regarding a {$390.00} charge at XXXX, which I did not attempt. I replied " NO '' to the message, and it indicated that my card was then locked. 
After reviewing my account, I have found multiple transactions that I did not authorize. The only time I have used my debit card was on XX/XX/year>, at XXXX for {$14.00} for gas. I would like to dispute the following transactions from my account : - XX/XX/XXXX : XXXX 's - {$51.00} - XX/XX/XXXX : XXXX - {$120.00} - XX/XX/XXXX : XXXX XXXX - {$63.00} - XX/XX/XXXX : XXXX XXXX - {$32.00} - XX/XX/XXXX : XXXX - {$52.00} - XX/XX/XXXX : XXXX XXXX  - {$11.00} - XX/XX/XXXX : XXXX - {$85.00} - XX/XX/XXXX : XXXX XXXX - {$55.00} - XX/XX/XXXX : XXXX ( multiple transactions totaling {$75.00} ) - XX/XX/XXXX : XXXX XXXX - {$36.00} - XX/XX/XXXX : XXXX XXXX XXXX- {$34.00} - XX/XX/XXXX : XXXX - {$30.00} - XX/XX/XXXX : XXXX - {$5.00} - XX/XX/XXXX : XXXX XXXX - {$36.00} - XX/XX/XXXX : XXXXe - {$10.00} - XX/XX/XXXX : XXXX - {$33.00} - XX/XX/XXXX : XXXX - {$13.00} - XX/XX/XXXX : XXXX XXXX - {$24.00} - XX/XX/XXXX : XXXX XXXX - {$66.00} - XX/XX/XXXX : XXXX XXXX XXXX ( two transactions totaling {$86.00} ) - XX/XX/XXXX : XXXX XXXX - {$38.00} I kindly request that you investigate these transactions as unauthorized fraud and dispute them on my behalf. Additionally, please send me a new debit card to my address on file. 
As I am hearing impaired, I have no other means of contacting you aside from a secure message or email. Please make a note of my hearing impairment in my account notes. 
If you have any questions or require further information, please do not hesitate to reach out through secure message or email. 
Thank you for your assistance.
Product: Debt collection

Dear Support Representative, I just discovered this and paid the amount of XXXX . You can find the payment of the receipt that is attached. I would appreciate if you can help me remove this derogatory mark as affects my credit history. Sincerely, XXXX XXXX
Product: Debt collection

In XX/XX/2023, I signed up for a 16-week challenge at XXXX XXXX XXXX XXXX The third party company is National Acceptance Company in XXXX, Pennsylvania. The representative told us that when we completed the challenge, we would have 5 days to send in a certified letter to cancel the contract. If we did not, we would have to pay for a year and not be allowed to cancel the contract. I completed all of the steps along with having the form initialed by myself and sent by certified mail on XX/XX/XXXX. They decided in XXXX that they would not accept the form nor cancel the contract because I did not initial the form. I called them to ask if I could send the form with the initials and I was told the only way was to have a medical issue which I did acquire by doing the exercises. I was told by XXXX that I would have to see a physician and I did. This cost me {$270.00}. They have said that I now owe them an additional {$170.00} for XXXX and XXXX. I sent them all they asked for and do not owe them any additional money. They have written a letter threatening to send to collection agency and charge additional funds. This happen in XXXX, Ohio.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX and I am a victim of ID Theft. The following accounts were fraudulently opened in my name and are still being verified : XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX
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 the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit card or prepaid card

On XXXX XXXX someone stole and used my discover card in a casino, I reported it as fraud but have been charged the entire amount on my card causing it to overdraw, max out and ruin my credit. {$2400.00}!!! was added to the account.My rights were violated by the Fair Credit Billing Act, FTC.I should have been charged a maximum of $ XXXX spoke to several people.XXXX told me my case was closed and there was nothing else he could do and XXXX, wouldn't give last name, spoke to him XXXX XXXX a supervisor, said would open case with new info, which I provided and possible scenario of what might have happened .No adjustments to account just overdrawn balance and many fees.Please Help, their XXXX fraud liability has not been applied to me.Also, someone could easily get my pin, just pretend to be me and giving them the info off my card and you enter the number yourself, fraud dept. should know this info already.Also, I don't want to file a police report to get my credit reversed, I feel like I'm being bullied.
Product: Credit card or prepaid card

I have contacted synchrony bank multiple times every month for at least six months. I have a visa with store rewards every month the rewards disappear before I can use them. They have instructed me to change all passwords and have investigated and months later reissued rewards that disappear again. They have stated this is a known problem but havent fixed it and continue to put customers through unnecessary work month after month. I believe my information has been compromised and they are doing nothing about it. Also a few months ago a new account with this bank, different store, was opened in my name without my knowledge it has been closed but leaves me feeling vulnerable.
Product: Credit reporting or other personal consumer reports

XXXX, 2023 paid and closed on report. I paid more than the balance stated. I paid the amount of {$300.00} to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I told XXXX XXXX to send a dispute or letter to resolve and have this removed off of my report with all credit bureaus once I pay the amount to resolve. When I saw that nothing was resolved I disputed it off of my credit report. However, it still is not fixed.
Product: Debt collection

I saw a medical collection from IC Systems on my credit file that I was not aware of. I disputed the information with the credit bureaus because I did not know that this debt was for. But, instead of providing verification of the debt, the split it into XXXX different accounts and reported all of them to my credit file. So not instead of XXXX collection with a {$3400.00} balance, they are not reporting XXXX collections with smaller amounts.
Product: Mortgage

On XX/XX/XXXX and XXXX, 2020 I logged into Dovenmuhle 's website ( XXXX XXXX attempting to make a payment on my mortgage. I had previously made payments earlier in the month through this same portal successfully however now when attempting to review the payment ( the final step before confirming/submitting ) it would simply send me to a blank page. I called customer service and was informed if I wanted to make a payment over the phone there would be a {$10.00} fee incurred ( which is unfair as the website was not working properly. ) Additionally I was told if I wanted to send a check it had to be certified ( which would also incur a fee. ) I was not given any means to make a payment that would not result in a charge and it's wrong this company is trying to leverage fees from their customers when their own website is failing.
Product: Credit card or prepaid card

In XX/XX/2018, I responded to a public offer from American Express Ascend ( which also appeared on my account home page ) to receive XXXX bonus XXXX XXXX points, and applied for the card and received the credit card. In XX/XX/2018, I received a statement for the required {$95.00} fee for the use of the card and paid that amount by ACH. Additionally, I charged {$2000.00} on the card in XX/XX/2018 for which I was billed in early XX/XX/2018 ( and paid the that full amount via ACH in XX/XX/2018 ). -- for which I was supposed to have received a total of XXXX XXXX XXXX Points in my XXXX XXXX Account as per their offer. The total amount of XXXX XXXX Points owed to me is : XXXX. Twice I have contacted both American Express and XXXX XXXX regarding this issue and have received no response except that American Express referred me to XXXX XXXX for problem resolution. The XXXX points from their offer have not appeared in my account to this date.
Product: Debt collection

On XX/XX/XXXX I sent a cease and desist to XXXX to stop third party communication and as I review my consumer report it is still being furnished which is in violation of my cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stop trying to profit off the consumer. I in no way had a contract with 2 companies. XXXX XXXX needs to prove they bought the debt with a bill of sale and contract on XX/XX/2017. XXXX XXXX needs to identity they are still the true owners of this account. You charged it off so did you sell it? If you sold it to XXXX then you cant collect 2 x. 

Fix my report. You don't understand when a consumer loses their job, you try to damage them even more. You have to produce proof of ownership. If you own it then update my credit report to reflect original creditor date. I had a contract and you can not change the contract terms. 

You've paid off 0 % of your collection amount. 
Balance {$590.00} Highest Balance {$590.00} Opened XX/XX/2017 ( 1 yr, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

For the credit account XXXX  XXXX XXXX, there are inaccuracies for this account across all the XXXX credit report which is in violation FCRA XXXX XXXX ( b ). I am asking that this account be removed from my XXXX and Experian accounts for this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXXK XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX bankruptcy discharged Reference Number XXXX Date Filed XX/XX/XXXX