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

I was trying to call XXXX Support for an issue I had with my XXXX TV account. The website came up and had a big XXXX Certified logo and the number came up on the screen just like it normally looks on the XXXX, so I called. 
It starts out seeming like a regular support call. It is hard to hear him due to some choppiness so he states he is going to call me back from his direct line. He does. I go through the regular questions, name, email, etc. Then they say they need to remote into my phone so they can help me trouble shoot what is going on. 
They asked me to download the XXXX  app and they remoted into my phone. 
They said my validation was expired and that they need to troubleshoot an issue with my card and my account. 
That didnt work and they asked me to open Venmo to validate my payment method that way. Im distraught at this point, things dont seem right. I hang up and try to re-check the website I had gotten that number off of, but he keeps calling me back. I answered and was arguing with him about all of the things that had transpired so far and he said, weve frozen your Venmo account so nothing will actually come out. This is just a way to validate your payment. He kind of talks me down and then proceeds to ask me to send multiple payments to 4 different accounts. And when a pop up came up saying insufficient funds I finally just hung up. Deleted the anydesk app. Contacted Venmo immediately, which was extremely difficult. I couldnt get through to anyone and had to send a message through the contact portion of their site where I reported the payments and told them what happened. 
There was no way for me to cancel or stop the payment in the Venmo app, I did look and try. 
They tried calling me back many times after I had hung up and was trying to contact Venmo. So I blocked all 3 numbers they were using. 
XXXX the number I initially called from the website. 
XXXX his direct line XXXX another line The Venmo accounts were XXXX for {$250.00} on XX/XX/23, payment to - XXXX for {$240.00} on XX/XX/23, payment to - XXXX for {$240.00} on XX/XX/23 and payment to - XXXX for {$240.00} on XX/XX/23. 
I also contacted my bank and locked down my bank account and card and told them what happened. They said no money would be able to be taken out of my bank account. 
They opened up a new bank account and moved my remaining funds into the new account. Ordered a new debit card. 
I deleted my Venmo account later that night I have put a freeze on my XXXX report, so far. Ive reported this to the Federal Trade Commission as well.
Product: Debt collection

I requested the original purchase agreement in XXXX of XXXX  to show that they are the legal owner of this alleged debt. Please include all the terms and conditions that are included in this purchase agreement. i never got said agreement. i am in the process of requesting it a second time because i have now received a XXXX to appear in XXXX XXXXXXXX XXXX while researching the company in question i found that they aren't licensed in the state of Tennessee for debt collection.
Product: Credit card

Citi XXXX card charges a {$25.00} late fee AND interest. That 's outrageous! The late fee is high and the company is charging TWICE for an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has not been reported to all 3 credit bureaus since XXXX. And in these 5 months I paid down my Victoria 's Secret Credit Card and paid over XXXX $ on my Ulta credit card. The lack of reporting is affecting my credit score and I need this resolved promptly.
Product: Credit card

The problem has to do with synchrony bank. The issue of my Sams Club credit card. I have never authorize them to deduct my checking account and I make a payment to them every single month never missed one. However, since XXXX of this year until XXXX when I discovered the problem They have taken on top of everything I have sent them about {$12000.00}. And the only reason I discovered that is because they are taking money out of my account several times a week. Ive tried dealing with my bank tees on credit union. But they told me they can not do anything about XXXX which synchrony has been using to get my money out. I called synchrony Bank three times trying to get some kind of resolution but their customer service wont send you anywhere and they cant help you. They have no access to the financial records. All they can do apparently is take the money from you for a payment or something like that. My bank has been able to get back from synchrony about {$4000.00}. Give or take synchrony still owes me about {$8000.00} and XXXX cant reach anyone in upper management to solve this problem I gave up and I am writing to you requesting your help.
Product: Credit reporting or other personal consumer reports

Equifax allowing inaccurate information on my Report. Account from defense finance showed up in XXXXXXXX XXXX years after I left the XXXX The account was paid and although I dispute the validity of said account- the information is inaccurate and doesnt belong on my report. Specifically, this was never a debt and the XXXX couldnt possibly be correct given I was fully separated prior to that date.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reported that I had a past due debt to XXXX XXXX   Collection. I found this out from XXXX, and I went though many hoops to get TransUnion to allow me to dispute the report. TransUnion would not allow me to dispute it at first because of its system locked me out of the account that I made with it for the purpose of disputing errors on my credit report. Once I finally was able to go through the dispute process, I submitted documentation and a statement explaining that TransUnion keeps allowing the same fraudulent charge onto my report. I explained that TransUnion is forcing me to do this process again after I just disputed this collection with TransUnion three months ago and had it removed by TransUnion when XXXX XXXX XXXX reported the same collection. 

Today, I was notified when I logged into XXXX that TransUnion updated my report. However, TransUnion did not remove the erroneous collection. When I tried to dispute the process with TransUnion again, I was barred from doing so because TransUnion says that my dispute is still in progress and that I cant open a new dispute until the current one is resolved. Not only has TransUnion failed to do its due diligence as far as what it allows to be added to my credit report, it has failed to notify me of the conclusion of its investigation into my dispute and is now violating my right to undergo the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Late payment, XXXX Late payment, XXXX Late payments, XXXXXXXX XXXX late payments and XXXX balance, Collections XXXX. XXXX XXXX Late payment, XXXX late payment, XXXX late payment, XXXX late payment and balance XXXX. 
Collections XXXX. Transunion XXXX Late payment, XXXX late payment, XXXX late payment, XXXX XXXX late payments and XXXX balance. 
Collections XXXX, XXXX, XXXX, XXXX. 
15 U.S.C 1681 Section 602A. 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 an 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 conviction 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 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

To whom it may concern a XXXX XXXX XXXX XXXX XXXX was obtained under my name and social security number Account Number : XXXX XXXX Number : XXXX. Under the Fair Credit Reporting Act law 15 U.S.C. 1681 et seq credit bureaus must report accuracy on behalf of the consumer unfortunately across all bureaus inaccurate information is reporting to my consumer credit report. 

On my XXXX reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting Last payment made was on XX/XX/XXXX how so when on XX/XX/XXXX the vehicle is reporting repossessed. On my XXXX report its stating XX/XX/XXXX Unknown payment history XX/XX/XXXX charge off XX/XX/XXXX not reporting payment history XX/XX/XXXX charge off and XX/XX/XXXX charge off. On my Equifax report XXXX XXXX XXXX XXXX XXXXXXXX XXXX is reporting Last payment made was on XX/XX/XXXX how so when on XX/XX/XXXX the vehicle is reporting repossessed. 

On My Equifax report its stating XX/XX/XXXX no data available XX/XX/XXXX no data available XX/XX/XXXX charge off XX/XX/XXXX charge off. 
Under the Fair Credit Reporting Act law 15 U.S.C. 1681 et seq credit bureaus must report accuracy. 
The Gramm-Leach-Bliley Act Safeguards Rule requires financial institutions to establish stronginformation security programs to protect customer data. This helps prevent unauthorized access or misuse of personal financial information, reducing the risk of identity theft and fraud. This does not comply with my consumer rights and which is against The Gramm-Leach-Bliley Act Pub. L. No. 106-102, 113 Stat. 1338, codified in relevant part primarily at 15 U.S.C. 6801-6809, 6821-6827 and The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., XXXX, Equifax and XXXX XXXX XXXX XXXX are in Violation and I would like this account removed immediately. Give me all correspondence in writing of the method in which you validated that this account is reporting accurately and indeed is my account. Names of who you talked to, phone numbers, emails & there addresses, you have 15days to respond with this information or delete it. If the account is not deleted I will pursue with legal action against XXXX and Equifax. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/XXXX which is today. Now the bank has retaliated against me because I just got word from XXXX XXXX that XXXX XXXX  took off the 120 days late status and marked my account as charged off. How XXXX XXXX can this account be charged off if I'm in a payment plan with them? I want this fixed immediately and I tried to reply to the current complaint and it wouldn't let me so I've had to submit another complaint. It needs to say account current not charged off how hard is that? I've made 5 consecutive payments in a row. Charged off would mean I haven't made any payments but I've made payments every single month since XX/XX/year>. I even have a letter proving I'm in a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This bureau ( TransUnion ) has been contacted several times regarding XXXX XXXX  account number ( XXXX ), XXXX  account number ( XXXX ), and XXXX XXXX account number ( XXXX ) in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC on two occasions one dated XX/XX/2021 reference number XXXX and also on XX/XX/2021 reference number XXXX and still, they don't delete these unauthorized and fraudulent accounts on my credit report. XXXX and XXXX has honored my request, I am just still having a problem with TransUnion honoring my request.
Product: Debt collection

This account ( CAINE & WEINER ) XXXX XXXX XXXX XXXX XXXX, CA XXXX account # XXXX was placed on my credit report XX/XX/2022 with a negative balance of {$830.00}. I do not recognize the account nor do I recognize the account number. I would like this account removed form my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient charged off two federal loans XX/XX/2005. One for {$11000.00} and the other one for {$30000.00}, which appears on my credit report. However, I settled both accounts for {$6000.00} and was informed by XXXX XXXX, third party debt collection agency, that the account on my credit will change from charge off to settled which should reflect on my credit report.
Product: Debt collection

XXXXI have proof of complaints sent by email to property owner and property manager due to conditions of property and myself and children health conditions from XXXX  property was not occupied by tenant ( me ) XXXX Letter of intent was signed by myself and property manager XXXX I received and was informed not to respond/ disregard letter from evection notice from XXXX since we signed the Letter explaining I dont owe any debt on XXXX XXXX Debt collector contacted me- Fair Collection and Outsourcing XXXXattempted to dispute XXXX attempted to reaxh promperty manager no luck XXXX I went into office of XXXX XXXX XXXX no resoultion/ new property manager said she didnt want to waste my time its nothing they could do below i attached the original letter and what was signed and dated my former property manager XXXX XXXX on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account which is showing on my credit report. I have never applied for XXXX XXXX and never gave anyone permission to use my personal information for applying to that creditor. I tried to resolve my problem with XXXX XXXX but no result. Because of that I'm submitting a complaint to you to help me for removing XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$1200.00} and XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00}. Those XXXX accounts are fraud. Thank you.
Product: Debt collection

This all started in XX/XX/XXXX. I had a XXXX XXXX credit card that was financially backed by HSBC. I could no longer pay due to unemployment and it went to bad debt. Eventually HSBC discharged the debt ( was written off ) and the account was closed. 

On XX/XX/XXXX I was notified by my bank, XXXX, that somehow the XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX had acquired my credit card account information and was requesting any payment information. Is that legitimate? I mean how did he get my credit card account number? 

Does this go beyond the statute of limitations? 

I was never sent a notice through mail of this subpoena.
Product: Debt collection

I filed a dispute with XXXX Asking them to remove me from their files! The account is closed
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. FTC report attached. unauthorized and fraudulent inquries on credit report. block and remove the following unauthorized inquiries FTC report attached block and remove the equifax inquries XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Inquiry Equifax
Product: Credit reporting or other personal consumer reports

Delete late payment I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENT DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : XXXX XXXX Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. 
Status Updated : XX/XX/XXXX Balance : {$350000.00} Balance Updated : XX/XX/XXXX Recent Payment : {$5000.00} as of XX/XX/XXXX Monthly Payment : {$2500.00} Original Balance : {$390000.00} Highest Balance : - Terms : 30 Years Late Payment Date : XXXX ) XX/XX/XXXX Please remove the late payment for all inaccurate information, not update, update means the credit bureau is not working.
Product: Money transfer, virtual currency, or money service

a person hacked into my checking account with Bank of America and stole {$2500.00}. They a service call XXXX. Bank of America did an investigation and told me the transaction was legal. I found out that Bank of America have a financial interest in this company that was used to hack into my account
Product: Checking or savings account

So. There was a conversion of my bank, peoples United bank bought XXXX XXXX. My bank card on XX/XX/XXXX got shut off, I was unable to check my account over the weekend. I was sent XXXX via XXXX, and then XXXX and XXXX dollars. I then in turn sent XXXX via XXXX and XXXX via XXXX. I spent the XXXX. So I sent that money out without the money being in my account. I have reached out to XXXX and have successfully gotten through and was told it was due to my bank. When I spoke to a bank associate I was told due to the conversion it was not there and they will be resolving my issue by the end of week it was completely bank error and if any fees were incurred to call them. Today I was charged XXXX over draft fee and when I called them I was told it was not bank error and there are no notes on my account. When speaking to a supervisor I was once again told she will try to resolve and call me back but will reverse my XXXX over draft fee but doesnt see anything with the XXXX shell try to make a call to resolve. I am currently unemployed due to the pandemic and XXXX dollars is quite a lot of money to someone who is losing income. Im begging to please get this resolved I need that money to pay my bills to buy groceries.
Product: Money transfer, virtual currency, or money service

I have been using Robinhood Cypto as an exchange to purchase bitcoin on their platform. After a month of doing this, I elected to send my bitcoin to a my own personal digital wallet. This is considered a safer means of storage as it removes the possibility of the exchange platform being hacked and having their cryptocurrency stolen ; my own personal wallet is offline so much more secure. Robinhood has a restriction of limiting crypto transfers to {$5000.00} worth per 24 hours. I did this without issue for two days. On the third day, I received an account restriction and was unable to send bitcoin out of Robinhood. At first, this felt like a safety precaution which I appreciated. I immediately contacted Robinhood via support chat and telephone but was declined assistance and told this matter would be " escalated '' via email only. When I reach out over email, I get an automated reply. No timeline has been given for resolution of this restriction nor any steps on what is needed to be done. It has been over a week with no contact. I called again today and they declined to help and said it would be handled over email. I don't know what to do because my money is now stuck in the brokerage platform.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle many times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicates that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

The complaints are never resolved by the executive office or the new individuals who are assigned, We need more months to stall in the closing of my banking account and my XXXX case settlement. 

I want to know why Wells Fargo I was asked by an unknown person on a Saturday what my SS was? I replied I don't provide my SS. Wells Fargo is closed on Saturday 's This unknown became hostile in response. I received another call on the following Wednesday morning, same attitude and nasty. 
I informed her I would go to the branch near my residence. I reported the name of the Wells Fargo hostile employee. The name of the next Wells Fargo person was XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, AZ XXXX. Same attitude. I was the only person in the bank. Quite overwhelming for her to addrress my normal issues with Wells Fargo that never resolves issues, not caused by me. This woman was just as nasty when I told her I could bring in my docs for verification. She accused me of making her go through my legal docs. I informed her I would bring them in to end this ongoing activity. This person staged fights. Why is this person there? 
PLEASE RESPOND I left once again. 

The following day I tried again at the XXXXXXXX XXXX  XXXX XXXX down the street in XXXX. I brought my AZ XXXX XXXX XXXX issued Marriage License FOR THE 3RD time to send into the Executive Office. PLEASE EXPLAIN WHY MY MARRIAGE LICENSE IS NOT ACCEPTABLE? 

Why is there a continual problem that you can't establish my identity to settle my XXXX? Please explain! 

The governement needs to know your calculated abuse of me. 
Why? 

I WILL NOT OPEN UP ANOTHER CREDIT CARD WITH WELLS FARGO. 
EXPLAIN WHY MY IDENITY IS A CONCERN IN MY XXXX SETTLEMENT? 
YOU CONTINUE TO DENY ME MY RIGHTS OF IDENTITY. THIS IS THE 3RD TIME HARASSING ME, A CUSTOMER WHEN ALL LEGAL DOCUMENTS HAVE BEEN PROVIDED. THIS IS CONTINUAL HARRASSMENT? 

EXPLAIN WHY TO ME AND THE GOVERMENT. 
EXPLAIN WHY YOU SEND RESPONSES TO ME THAT YOU CAN'T ESTABLISH MY IDENTITY? 

EXPLAIN WHY THE PERSON CALLED XXXX AT THIS BRANCH DOESN'T HAVE WELLS FARGO BANKER CALLING CARDS? 

WHO IS THIS MAN? WHY DID THIS MAN TELL ME NOT TO RESPOND TO WELLS FARGO LETTERS? WHY DID THIS MAN TELL ME TO NOT ANSWER MY PHONE TO CALLS? 
ANSWER WHY HE IS HARRASSING ME? WHY IS HE FORCING ME TO OPEN UP A NEW VISA? HOW MANY ACCOUNTS HAVE BEEN OPENED UP UNDER MY NAME? 

THIS IS ABUSE!!!! 

PLEASE ANSWER TO THE CFPB AND TO ME WHY WELLS FARGO HASN'T BEEN SHUT DOWN? 
I WANT MY SETTLMENT CHECK! YOUR INTENT IS TO NEVER RESOLVE THE BANKING ISSUES YOU HAVE CREATED IN MY LIFE! 













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Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX