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

VENMO TOTAL SCAM- I signed up for this service recommended 2 me by a friend so they could send me their rent $ instantly & no check involved for me to WAIT ON TO CLEAR.. i entered my 2 cking acct, 2 debit cards XXXX  - only to find out dont use XXXX? So I went bank in and put my XXXX XXXX acct info ... Week 1- unable to use the instant transfer feature NO REAL REASON GIVEN, told to call in on MON. as they don't have access to tell me why? UM OK,,, MON I CALLED TO BE TRANSF hung up on called back held etc etc etc. NO ONE EVER SPOKE TO ME OTHER THAN TO GIVE THE SAME SCRIPTED ANSWER- We do not have access to that info, FURIOUS WIITH NO $ still I got no-where. CHAT FEATURE USELESS- PHONE SUPPORT= USELESS. VERY VERY- suspicious .... GOT THE DEBIT CARD IN THE MAIL WAS ABLE TO USE it at ATM FOR A FEEEEEEEE {$3.00} atm and also made some purchases thank XXXX - or so I thought ... Week 2- ISSUE NEVER RESOLVED. JUST BACK AND FORTH XXXX SCAM SCAM SCAM. WEEK 3 GOT FUNDS TODAY again SAT early am FOR RENT THAT WAS overdue as of FRI BY ROOMATE. HERE we go again STILL NO INSTANT TRANSF allowed ( TOLD THIS TIME ACCOUNT FLAGGED SECURITY RISK )??? WT? again the back n forth and NO RESOLVE. ( BTW I'm a XXXX/homeowner/SE XXXX buss. owner since XX/XX/2002 & same job for last 7 years XXXX. Yeah I'm a REAL BIG security risk ) Anyway I thought hey I can just use the debit card like last week ..UM HECK NO!!! THAT CARD DONT WORK NOW!!!! WOW! CANT MAKE PURCHASES, CANT TAKE $ FROM ATM???. NOW DEBIT CARD DOESNT WORK EITHER! NO CUSTOMER SUPPORT AVAIILABLE VIA PHONE.. RED FLAG FOR ME*** ( ALERT ALERT ) & customer service via CHAT just tells me they don't have access to info and ( THEIR GO TO ANSWER- Sometime its a security risk flag- ( OR XXXX PROFILING I THINK ) and BOTTOM LINE NO access to your funds! FOR DAYS AND DAYS. THE CO. IS A SECURITY RISK- USING YOUR FUNDS- floating my $ using them for something else? YES YOU ARE. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 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 purpose
Product: Checking or savings account

My complaint against Chase Bank to unethically closed my account without any notice.I receive an email from my credit card company on XX/XX/XXXX that my payment was declined. So i call them to ask what had happened since I scheduled the payment before hand. They told me that my bank is froze. I call my bank and ask them about the issue, I was on call for 3+ hours and they shuffle me through department to department. No one want to tell me whats wrong. I treated horribly by them, I kept on asking the reason they said they cant tell me why did they close my account. After the call i went to the branch to inquire further but they declined to give me a reasonable answer. I am freaking out since they close my years old account without letting me know. Let me tell you that I have not receive any notice or email regarding this matter earlier, and when i explain this to them they said they are not suppose to let me know and they are authorize to close the account without giving any further information to the client. when i confront them on this they said its their policy. They are unprofessional and very unorganized. I am extremely upset with their rude and ruthless behavior. I had so many payments scheduled, which are cancelled and caused me late fee.
Product: Credit reporting or other personal consumer reports

i am filling a complaint against Experian for failing to properly investigate my disputes regarding inaccurate in my credit report. Despite my submission, Experian consistently responds within XXXX4 hours stating that account is accurate, without providing any evidence of though investigation. This practice violates the Fait Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable, investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding CFPB 's recent administrative proceeding ( file XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumer with the necessary proof of investigation.
Product: Debt collection

Filed dispute with credit reporting agency not my account never had account with this company. Refused to provide proof of debt no verification of contract or billing history.
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 XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 


XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Product: Bank account or service

On approximately XXXX XXXX I opened a checking account at Chase bank. On XXXX XXXX somebody made XXXX unauthorized purchases with my debit card for {$90.00}. On XXXX XXXX Chase informed me that my account was on restriction pending closure. They said that they will not provide me a reason. This is very unfair because I have not done anything wrong. 
I went to different branches 4 times and I called up 5 times but they refuse to give me an explanation. I want an explanation why they are closing my account.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is PLAZA SERVICES # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PLAZA SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PLAZA SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PLAZA SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PLAZA SERVICES is in compliance with CALIFORNIA LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. PLAZA SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Mortgage

I filed a complaint with CFPB a few months ago against Ocwen Loan services, with the CFPB 's help my name and liability was taken off a forged mortgage, I now received a foreclosure letter from XXXX XXXX XXXX XXXX, phone number XXXX, I have letters from Ocwen releasing me from loan and liability, I would like Ocwen contacted immediately about this error, thank you
Product: Credit card

Chase phone XXXX XXXX XXXX XXXX Or XXXX XXXX XXXX had no right to decrease my available credit and pull a credit reportOn me or can they periodically check? I have never had that happen to me in XXXX years, always paid them on time. They said my balance was high. So what? It 's not over the limit, from {$1500.00} avail credit and they lowered it to {$330.00}. Limit from {$8000.00} to {$6600.00}. Very very upset what are my rights? And they are so bad with my profile ca n't find any past accounts which I paid off because needed the account numbers. I have another card with them feel they will do the same. Very upset because what if there was a pending purchase before their act was done and NOW I 'm over the limit? Unbelievable ... .XXXX XXXX, 2015 XXXX consumer in Hawaii ( at the mercy of THIS creditor )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a DUPLICATE complaint and this not being filed by a Credit Repair company. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, 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 ; 1. Account Name : DP OF EDUC Account # XXXX 2. Account Name : US DEPT ED Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX ( Original Creditor : 08 XXXX XXXX XXXX ) Account # XXXX 5. Account Name : Original Creditor Account # XXXX 6. Account Name : Original Creditor Account # XXXX 7. Account Name : XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2021 Bank of America closed our accounts. 
Specifically a business checking account -- XXXX XXXX XXXX -- account ends in XXXX. 
Bank of America stated they sent a check out on XX/XX/2021, however, we did not receive the check, as they sent to the wrong address on file. 

Fast forward to XX/XX/2021, we contact Bank of America, talk to 3 departments, give the correct address to 3 departments, including business, recovery, and risk departments.

Phone numbers given for recovery departments are XXXX and for Risk department is XXXX. Keep in mind, we were told by all 3 departments that they see where the check was returned to Bank of America. We were told by the Risk department they they have sent the info, including the updated address to the Closing department to issue a new check. 

Fast forward again to XX/XX/2021, we once again call back to Bank of America, and this time we are told they do not see any records of our calls and speaking to 3 different departments on XX/XX/2021, so nothing has been done with the check, and the real kicker, now they don't see where the check was returned, and they once again have the old address on file!!!!

Once again we have given them the new address, and are told it will be another 2 weeks, and could be up to 121 days, before they will reissue a new check!!! Our rep
this time in the Fraud department, as he stated we can not talk directly to the Risk department now, XXXX badge # XXXX. ( Very doubtful the name or badge is legit ) This is absolutely ridiculous! Bank of America should be shut down!!!
Product: Credit card or prepaid card

I have Discover Credit card for years. They have a price protection plan. in simple terms - if you buy something online and that something is found to be of lesser value within 90 days - one can submit the claim and get the difference amount. I submitted one such claim Claim # XXXX My price protection claim was denied for really weird/unacceptable reason. The XXXX XXXX camera with lens that i bought it - it was found to be cheaper within few days. But still my claims was rejected.
Product: Mortgage

Flagstar charged me {$2000.00} for flood insurance. However, my home does not exist anymore. It was destroyed in Hurricane Ian and then the wreckage was taken away. It is currently an empty lot. On multiple occasions, I have spent long times on the phone with them, called again and again, and sent in documentation on the total loss and the demolition per their request. There is no structure to insure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I put a credit freeze on all three credit reporting agencies. About a year ago, when attempting to unfreeze my Transunion credit temporarily, it had a status of 'UNKNOWN ' listed online. This status has remained each time I logged in over the past year so I finally called on XX/XX/XXXX to find out what was going on. It turns out someone else was able to change the name associated with my credit to his name. As such, Transunion placed a security watch on my account and left it as 'UNKNOWN ' ever since. Several things are wrong here : 1. The controls Transunion has in place failed and someone was able to change my name to his. Shouldn't there be a hard stop in the system to prevent this without manual updates from a Transunion rep using support documents to allow this change? 
2. I was NEVER notified of this fraud occurrence. This is another control failure. Shouldn't the impacted consumer be notified? 
3. When I spoke to the agent last week, I was informed that XXXX XXXX : XXXX was opened and a representative would call within 24 hours and that should have been on Monday XX/XX/XXXX. That call never came. Instead, 4 business days later, I received an email to call Transunion. I attempted to call THREE times and each time a text came through to ask a question and the call would disconnect. 
4. I was told during my call on XX/XX/XXXX the 'UNKNOWN ' status would be rectified. I just checked this morning and it still remains.
Product: Checking or savings account

I remotely deposited a check from making a sale on the Chase App on a Friday. The check was {$850.00}. It immediately showed partial availability of my funds, but I waited for the full funds to be abailable. On the next Monday, it showed the full month available for use, so I shipped my product. The next day, Chase showed that the funds were gone. Im frustrated that they approved the funds, and then they retracted them. I even got two confirmation emails that the check was approved, even though it clearly wasnt. The bank shouldnt have communicated that the check was approved before they were sure it wouldnt bounce.
Product: Credit card or prepaid card

I went to a restaurant on XX/XX/XXXX and gave my Bank of America credit card to charge {$27.00} to pay my bill. The owner swiped the credit card but came back to say that it didn't work. So I paid by cash and left. I did not ask for a receipt because I didn't feel the need to keep the receipt. Later I saw the charge of {$27.00} on my credit card. The restaurant is not willing to refund. 

I disputed the transaction with Bank of America on XXXX asking for the a copy of my signature on the credit card bill, since I never signed it, which is required by law on any amount greater than {$25.00}. 

Instead of asking the vendor for the proof of my signature, BOA asked me for proof of alternate method of payment on XX/XX/XXXX. My case was closed on XXXX. After explaining that the burden of proof doesn't lie on me but on the vendor and the bank because I can not be charged for something I didn't sign, the bank representative and their supervisor said that they can not do anything. She said on record that Signature is not needed for any amount for credit card use. She said there is no other escalation/remediation process with Bank of America. 

I should not be liable for a charge I didn't sign. Unless the bank can provide me a copy of the credit card bill with my signature, they must cancel the transaction from my credit card and refund the amount. 

I have no other alternative left but to come to CFPB with a hope that Banks can not do what they want and break law without consequences. 

Thank you.
Product: Checking or savings account

My name is XXXX XXXX. I have a 18 month Certificate of Deposit with Citibank, Number : XXXX, balance : {$27000.00}, maturity date : XX/XX/2024. The CD Grace Period would be 7 calendar days. I went to the Citibank branch on XX/XX/2024 ( Saturday ), want to close the CD and transfer the funds to my account. The banker who works at Citibank told me I have to call the customer service to close the CD account to avoid the Penalty fee {$500.00} that was being charged for not closing within the grace period time ( 7 calendar days ). I called the customer service line on XX/XX/2024 at XXXX XXXX PST and explained the whole situation to representative. He told me he successfully help me close the CD account and didnt mention the {$500.00} penalty fee was still charged. Ive been contacting Citibank and talked to two supervisors about the matter. As what I thought Grace period of a maturing CD ends on Saturday, Sunday or public holiday, customer can renegotiate or close the account next business day without being assessed a bank penalty since it is considered within the grace period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

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
Product: Credit card or prepaid card

On XX/XX/2022 I purchased a computer XXXX from XXXX. On XX/XX/XXXX it was marked " Signed for by someone at the front desk/receptionist. '' and marked delivered. The problem is it was shipped to my private residence. Which has no front desk or receptionist, nor is it a gated community. It is a single family home. After trying to work with XXXX for a refund they refused so I issued a dispute with my Wells Fargo XXXX XXXX card. This is after XXXX had not problem refunding me for another package for a lesser amount marked delivered in the same way on the same day. 

I spoke with the Wells Fargo representative that told me since XXXX failed to collect a signature from me, this would be a simple dispute. Fast forward to last week Wells Fargo called me to tell me my dispute is denied. They said XXXX provided proof it was delivered. I asked for what proof as there was no one home, no photo taken as XXXX usually does, no signature provided. They told me the proof was the delivery driver said it was delivered and to contact the police or the Attorney General. This makes no sense? They will blindly accept XXXX  word over protecting their customers? 

XXXX has informed me they issued a refund to Wells Fargo in XXXX, and that it is now their responsibility. Wells Fargo claims they provided proof and now I do not have my XXXX or the XXXX $ I paid for it.

I went through all the hoops XXXX asked for, even providing police ( Sheriff in my case ) reports they claimed to require for refund, until they finally demanded an online link to the report as my copy was not good enough, but the Sheriff does not have an online system for reports. I have provided all of this to Wells Fargo.