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

I have transferred my credit card balance from my Wells Fargo credit card to my XXXX XXXX credit card. XXXX send Wells Fargo the check and the balance transfer was transferred. However despite Wells Fargo accepting the check from XXXX, and XXXX completed the transfer, Wells  states that the never received any money from XXXX  for the transfer. 
1. XX/XX/2020 a {$1500.00} transfer initiated to transfer {$1500.00} from my Wells Fargo credit card to my XXXX XXXX card and as per XXXX, it was completed and reflects on my XXXX   credit card account, as per XXXX XXXX credit card XX/XX/2020. Wells Fargo states they never received any payment from XXXX  at any point in that time frame ( XXXX ) and reflect no change in balance ( well Fargo credit card remains the same amount as ever ). 
2. XX/XX/2020 balance in the amount of XXXX from the same Wells Fargo credit card account was initiated and suppose to be transferred to XXXX. XXXX states Wells Fargo was also paid and on XX/XX/2020, XXXX  notified me the balance transfer was complete. 

Wells Fargo accepted the checks from XXXX, however the balance on my credit card with Wells Fargo hasnt decreased at all. 

I called Wells Fargo card services and the stated they never received and payment from XXXX XXXX XXXX XXXX.  Wells Fargo has some internal corruption.
Product: Credit reporting or other personal consumer reports

Notice of Violation of 15 U.S.C. 1681e ( b ) I have written notice from the clerk of courts that they don't provide information to XXXX  party reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Enhanced Recovery COL showed up on my credit report. I had never had any XXXX XXXX XXXX services. I never received any collection notices to my address. Where did this collection account come from? I never received notices. I never had any services with this company or XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

This item/account is unknown to me. Also, the information you provided on some item is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some item is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, JPMCB CARD XXXX Date Opened : XX/XX/2018 Balance : {$21000.00}
Product: Debt collection

I 'm contacting your agency to understand why my account with XXXX XXXX XXXX would be transferred to a collection agency and per the letter from the agency account is in a delinquent status. I understood only collection accounts are turned over to agencies for payment. The letter from the agency is dated XX/XX/2015 and XXXX XXXX XXXX has just processed my latest payment to them on XX/XX/2015.Please advise
Product: Credit card or prepaid card

Even though I had 0 % credit usage on the card, Discover closed my account on XX/XX/2019. Before closing my account they did not notify me why or even tell me. This closed account has led me to have a lower credit score, and stopping me from continuing my relationship with Discover.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

As a vigilant guardian of my own privacy, I invoke the power vested in me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to address the violations concerning my personal information. The FCRA, under 15 U.S.C. 1681 section 602 ( a ), mandates consumer reporting agencies to handle their significant responsibilities with fairness, impartiality, and respect for my right to privacy. XXXX and XXXX, as consumer reporting agencies, must heed this directive. I assert my right to ensure that my private information remains confidential, a right that is fortified by 15 U.S.C. 6801, which clearly states that financial institutions have an ongoing obligation to honor the privacy of their customers. The entity that furnishes information to credit agencies falls under this definition and thus, is bound by these laws. Furthermore, 15 U.S.C. 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a report only with my written consent, which neither XXXX, XXXX, transunion nor the furnisher of information has obtained from me. I hereby revoke any form of consent previously granted, whether verbal, non-verbal, written, implied, or otherwise. The law is clear in 15 U.S.C. 6802 ( b ) that a financial institution can not disclose my nonpublic personal information to a nonaffiliated third party without informing me of my right to nondisclosure, a right that was never presented to me. Moreover, 15 U.S.C. 1681C ( a ) ( 5 ) prohibits the reporting of any adverse information older than seven years, which includes the account in question. This is a violation of my legal rights, as there is no permission granted on my part for such reporting. The accuracy of information is paramount, as stated in 15 U.S.C. 1681s2 ( A ) ( 1 ) ( A ), which forbids the furnishing of information to consumer reporting agencies if it is known or suspected to be inaccurate. XXXX and XXXX failure to maintain reasonable procedures, as required by 15 U.S.C. 1681e, to prevent such violations further compounds the issue. Lastly, in accordance with 12 CFR 1016.7, I exercise my right to opt out of your reporting services at this time. My privacy is not a commodity for trade, and I demand the respect and confidentiality that is rightfully mine. Please be advised that this notice of my rights has been issued to you multiple times and has been met with disregard. This persistent neglect is not only disrespectful but also a clear breach of the legal obligations outlined above. I insist on immediate compliance with these regulations, and any further inaction will be met with the necessary legal recourse to protect my rights.
Product: Debt collection

I tried contacting XXXX XXXX after receiving a letter in the mail in an attempt to collect a debt in which I sent an email as one of the methods indicated for the dispute in regards to dealing with a third-party app named Sezzle not working on my behalf to deal with a fraudulent merchant that they sponsored on their website. The email was sent on XX/XX/XXXX, and they have yet to respond to my dispute nor acknowledge that they received my dispute. A week following I sent a follow-up email which they also have not responded to. The amount requested is {$760.00} which I deny and do not accept as a charge being that the merchant whom I purchased from was not as described and was not up to the company 's promise or standards. 

A quick background on the debt : I made a purchase in XXXX of XXXX and have dealt with negligence from the merchant from the very beginning. I have called and been strung along, emailed over and over, and even contacted Sezzle, the third-party payment app to contact the merchant as well. Sezzle denied after several attempts to handle the situation or contact the merchant after getting no response from them either. Sezzle began to get very upset with me for contacting my original payment card used to dispute the charge due to fraud and mislabeling from the merchant on top of negligence and stopped offering to help me. After months of requesting a refund and offering to return the item for my funds to be returned, the company changed their refund policy online and I was not able to retrieve my funds due to this being a new term they added after my purchase and after my complaints. XXXX also has deleted my warnings and reviews from their online websites and social media accounts and only keeps positive reviews. I have reported the merchant to the XXXX  and I was informing Sezzle of this negligence and constant fraudulent behavior constantly and even requested that they would remove this merchant from their app as a form of punishment. Instead of helping me as a consumer, Sezzle wanted to keep the merchant happy and was instead asking me to handle the situation on my own after months of no response and being at a standstill they have reported my debt to XXXX XXXX who are requesting for me to pay them the full amount before XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 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
Product: Checking or savings account

I have a Credit Karma Checking account with a Debit Card and it is backed by XXXX XXXX 
2 Months ago I had XXXX debit card transactions that were fraud. They charged XXXX dollars - XXXX times in XXXX day and after 10 business days they gave me money back. That was the first time fraud happened. That was resolved and they changed my password and my account numbers. 
On XX/XX/XXXX, at XXXX pm, I received an email from Credit Karma that my ACH transfer is approved. I urgently called in XXXX min later and spoke to an agent. The fraud was XXXX dollars. Every last cent in my account. They moved this money to an account for XXXX XXXX XXXX which was not added by me and not authorized. They loaded another bank account on file and wiped my account out with XXXX in fraud. The transaction was " Pending '' so I called in at night and spoke to customer service and they told me nothing could be done because it was after business hours and the fraud team is not working. I called back the next morning at XXXX XXXX  like they said and spoke to XXXX different departments each telling me they couldn't help me and had to transfer me. I spoke to XXXX team member at Credit Karma and they emailed me a form to sign and date and aknowledge the fraud. I signed that on XX/XX/XXXX and emailed it in that morning. Since then, with a case number and email chain I have emailed them 8 times to get information on what the process is to get my money back and how long it will take. I also called in daily to get an update and nobody is able to give me any information telling me that my case is being handled by a special department but they can not connect me as they dont take phone calls and that I should wait for emails. It has now been 11 days since the fraud happened and to date, not one written or verbal interaction with anyone who can help tell me what is happeneing on my account. They continue to tell me to check my app for dispute status but the transaction on the app is not even showing as disputed. It shows as a normal transaction and under " open disputes '' it shows I have no open disputes. 
I have tried repeatedly to engage to get updates and ask about the fraud process but have been left with no answers and no support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 leases with XXXX XXXX. I have had excellent payment history on both accounts, until the national lockdown in XX/XX/2020. The world suffered from this pandemic and during this time everything non-essential was closed. We contacted XXXX immediately requesting a deferment which was granted. We continued timely payments even though our NJ cafe is only at 25 % capacity ( which equals 17 seats ). I believe that reporting a late payment, while the world was shut down and experiencing uncertainty to the future, is completely unfair. 
As we continued with perfect payments, we are trying to purchase a home since our lease is expired and our landlord wants us out so she can sell her rental. Unfortunately, this negative reporting on 2 accounts lowers my score unfairly. This derogatory reporting will affect our ability to secure a good mortgage or a fair interest rate. 
Please help a small business owner survive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. Thank you!
Product: Payday loan, title loan, or personal loan

Sixty Days??? For what??? They will not respond to my request for accounting statements of all payments and charges. They lock you out on the website and put up notices you can't pay your loan off. They are charging me a monthly {$300.00} with NO balance due listed. They would still be debiting my account for {$400.00} if I didn't stop it. They are lying and stealing from me and you are going to give them sixty more days to charge me more fees, interest and whatever. I demand this be stoped now. They send me XXXX form emails, They say I have to call them to listen to there XXXX sales pitch. They will not send me any legitimate loan documentation and they are drawing this out to force me to pay more every day. 


-- -- -Original Message -- -- - From : CFPB XXXX To : XXXX XXXX Sent : Wed, XX/XX/2022 XXXX am Subject : The company has responded that it is still working on your issue. 


CFPB Header ( XXXX ) XXXX consumerfinance.gov The company has responded that it is still working on your issue. 
We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

You can log in to see the companys response at CFPBs secure website. You can also review the companys response by phone with someone. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Payday loan, title loan, or personal loan ISSUE Problem with the payoff process at the end of the loan Log in to view company response First time logging in? Set up your password
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old XXXX XXXX account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as XXXX XXXX. I hereby post all XXXX XXXX accounts from a Trans Union credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXX   XXXX and XXXX XXXX XXXX XXXX XXXX ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with XXXX XXXX. Yet I believe that XXXX XXXX obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from XXXX XXXX. It is difficult to believe that a publicly traded company such as XXXX XXXX would be dumb enough to sell the same debt twice. Accordingly, I claim identity theft by XXXX XXXX from either XXXX XXXX XXXX or from XXXX XXXX directly. I paid my XXXX XXXX account directly with XXXX XXXX XXXX. My disputes with XXXX XXXX went nowhere, where this fraudulent company stated to the bureaus that the XXXX XXXX debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, XXXX   and Trans Union collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from XXXX XXXX, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello. My name is XXXX XXXX. My number is ( XXXX ) XXXX. I have recently been the victim of fraud by the Venmo application. You may or may not be aware of the Venmo application made by Paypal to send money from individual to individual using linked bank accounts and debit cards, similar to XXXX. 

Recently on XX/XX/XXXX, my friend XXXX XXXX was having issues with this application. She had {$300.00} in her account but was unable to utilize the instant cashout option to deposit the money instantaneously into her account for I believe a 1.5 % hit ( this is a service Venmo usually offers ). However, since it was unavailable to her and she needed money immediately, she sent me money through Venmo, I successfully was able to withdraw the money instantaneously into my bank account, I withdrew it as cash, and I gave it to her. I took the 1.5 % hit since I was the one utilizing the instant withdrawal service. 

This past weekend, I received an email from Venmo. I have attached it for your reference. We attempted to debit the disputed amount of a recent chargeback filed by your buyer, but you did not have enough funds in your Venmo account to cover it. Therefore, they froze my account and say I must pay them {$300.00} to recover my account. 

I spoke to this friend of mine - its my best friends sister who also happens to be on her way to becoming a doctor. She stated she did NOT request a chargeback and there is no money in her Venmo account. So they did not give her the money back and they expect me to also pay them {$300.00}. This is completely inappropriate. My friend XXXX has also stated she has been having problems with Venmo. This is a pattern. I am afraid that if I dont pay Venmo this {$300.00} that they do not deserve, that my credit score will start going down. Please help me to fix this situation. I emailed Venmo, replied to their email, I called, I chatted with their agents, and this problem has not been resolved. Everyone I speak to keeps saying they will escalate but I have not received any emails indicating any escalation. I dont know where else to turn. I believe Venmo could be doing this to others as well and want to make sure its isolated at the very least and not a pattern of fraud. Thank you kindly for looking into my situation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.