23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

We purchased a refrigerator from Best Buy on XX/XX/XXXX on a Best Buy card which uses citi bank to service it. We set auto pay with no interest for 18 months. However, the refrigerator started having issue after few months and we filed for warranty. We went to Best Buy again XXXX and explained whats going on and the salesman told us that he can take care of it and get us a new refrigerator with same promotion. It was set on auto pay as well without us taking us any action. Since the purchase of first refrigerator on XX/XX/XXXX to present, there was NO STATEMENT, LETTER, or EMAIL showing the balance or promotion termination or how the payment was applied. No communication whatsoever at any point from citi bank to us. Then suddenly I noticed payment amount increased in XXXX of XXXX   and we called Best Buy to get explanation who in turn told us to call citi bank. Citi Bank would not answer the phone often. Once they answered the call and told us to contact Best Buy. Here are the few issues in the business practices of citi bank. First of all, the credit card they issued to us had no name name of citi bank. It only had Best Buy which leads us to believe that Best Buy does in house financing. We had no knowledge of citi bank being the financing company till Best Buy told us to call them. Second, citi bank failed to send monthly statements which would outline promotion period, balance and other related items. Upon request, they failed to provide us proof of dates when they sent us statements, letters, or emails if they did one. There is the issue of transparency here. They were not providing statements monthly which would have enabled them to charge exorbitant amount of interest only if they could hide things from us. This is on borderline of fraud.
Product: Checking or savings account

I closed my Bank of the West account and they still processed an reoccurring scheduled transfer after my account was closed. Shouldn't all pending transfers be cancelled after the account is closed? I received an email from Bank of the West stating for external fund transfers to contact my external financial institution. I contacted XXXX today and they told me either I can file a claim. Bank of the West needs to fix this process, I should not be asking XXXX to fix their problem. They should have rejected the ACH if they noticed the account was closed. They should not have processed any transfer since the account was closed and they should be remitting the funds back since my account was closed. I should be making all these calls to fix their problem. The Transfer # XXXX
Product: Checking or savings account

someone hacked my chase debit card in XXXX. I live in XXXX. there was about {$1500.00} in charges. Chase gave me credit for the charges at first then put {$350.00} in charges back on my account. They told me because a card was used with the chip and pin number and that is impossible to duplicate. i offered them proof that i was in XXXX at the time and they said it would do no good and then accused me of giving out my pin number. I sent them a video of 2 police officers showing how these cards are duplicated and how they steal your pin number. Then they told me it doesnt matter it is too late now because they looked into it twice. one charge was for XXXX with {$40.00} cash back at rite aid in XXXX XXXX XXXX on XX/XX/2018. the other charge was at a lowes in XXXX XXXX  for {$200.00} with another {$40.00} cash back on XX/XX/2018. They told me a police report will do no good either. so because of chases incompetence in their security im out {$350.00}. Please help me to recover my money. I already closed all my accounts with them since they can not keep y money safe!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts ASAP.
Product: Credit reporting or other personal consumer reports

Aldous and Associates XXXX XXXX XXXX XXXX, UT XXXX Subject : Response to Companys Acknowledgment of Dispute Dear Aldous and Associates, I am writing in response to your communication dated XX/XX/year>2025, regarding the dispute of the debt associated with my account ( Account Number : XXXX ). 

I would like to express my concern that your company may be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I request clarification on how you obtained my personal information and why you believe you have the right to report this information to the Bureau, given that you do not own the debt. It seems like you gathered my address and never answered my request for validation of the debt. 

Under Section 809 of the FDCPA, I have the right to request validation of the debt, and I expect full compliance with this requirement. Furthermore, without proper validation, your actions could be construed as a violation of my privacy rights. 

Please be advised that if I do not receive satisfactory validation and a clear explanation of your authority to report this information, I will consider reporting this matter to the CFPB, my state attorney general, and potentially pursue legal action. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

Reference : Previous complaint record ( XXXX ) On XXXX XXXX, XXXX, I filed a complaint with the CFPB regarding Bank of America rescinding a job offer due to a " red flag '' in their internal system associated with the closure of my personal accounts several years ago. My complaint highlighted the financial and professional impact of this issue, as well as the lack of clarity provided by Bank of America regarding the reason for the flagged accounts. The complaint was sent to Bank of America on XXXX XXXX, XXXX, and on XXXX, XXXX, they acknowledged receiving it but requested additional time to respond. 
On XXXX XXXX, XXXX, Bank of America indicated to the CFPB that they would provide a detailed response. However, despite repeated follow-ups, I have yet to receive any direct response or resolution from Bank of America as of today ( XXXX XXXX XXXX ). 

I contacted Bank of America directly at the provided number, leaving messages, but have not received a return call or further communication. The lack of response has left me without resolution and continues to impact my professional and financial situation. 

I am filing this new complaint to request CFPBs assistance in obtaining a clear explanation from Bank of America regarding : - The reason my accounts were flagged internally. 
- The justification for rescinding the job offer based on this flagged status I respectfully request CFPBs help in ensuring Bank of America provides a resolution to this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I pulled my credit report after having identity theft I notice hard inquires on my report that I never applied or have any knowledge of. On XX/XX/XXXX I sent a certified mail letter to a company called Wells Fargo Auto regarding this unauthorized inquiry to my consumer report that took placed on XXXX XXXX which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) with Wells Fargo Auto. Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. However, I received a letter in the mail today that Wells Fargo Auto sent off on XX/XX/XXXX stating that they received an electronic loan application that I didnt have any knowledge of or did not submit any loan application. However, I have not received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed.
Product: Money transfer, virtual currency, or money service

Following is a brief account of my complaint against Venmo. There is also a record of my complaint to the XXXX XXXX XXXX  XXXX XXXX XXXX at : XXXX  : XXXX Essentially, I agreed to a very short-term loan to a friend, XXXX XXXX ( our accountant of 20 years, who has fallen on hard times ), of {$1000.00} back on XX/XX/2022. 

I mistakenly transferred the money using Venmo, rather than XXXX, as XXXX had requested, and XXXX instantly told me I had made a mistake and that he couldn't access his Venmo account, and that he had asked me to use XXXX. 

I immediately called Venmo ( within 15 minutes or less ) to stop payment and their representative told me the only way was to stop payment at my bank, XXXXXXXX XXXX I did that and got my money back through the bank about two days later. 

Venmo has persistently contacted me since then saying that I owe them the {$1000.00}, even though XXXX has fully explained the situation to them ( I have screenshots of his email ; I can also forward my entire email chain with Venmo ), and that his Venmo account was hacked and he can't access any funds through it. He never received the {$1000.00} I sent him, which Venmo claims I now owe them. 

I think they want to take my money and apply it to any negative balance he has with them, but I am not his personal guarantor, and I sent him a separate {$500.00} loan through XXXX, on the same day, XX/XX/2022, to try to help him out. 

I believe Venmo calls me every day ( I get messages showing their number, but I have blocked it so it doesn't ring ) and emails me constantly, demanding payment and never offering to close my Venmo account with no balance owing, as I have requested ( I rarely used Venmo before ; I deleted the app in XXXX or early XXXX 2022 ). They emailed me again on XX/XX/2022, admitting that their representative had given me " incorrect information. '' I will forward it to you. 

Their representative told me on XXXX XXXX 2022 to stop payment through my bank. I'm sure they have a recording of that, because they accept that but still claim I owe the money. They say I was given incorrect information ; I say it's their responsibility. They have been extremely unhelpful and harassing, and offer none of the protections a bank or credit card does. They clearly need further federal and/or state regulation, as does their parent company, PayPal. 

I hope you can help resolve this. I simply want my Venmo account closed with no balance owing, and a written apology from Venmo for all the hassle they have caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax placed a fraud alert on my credit report or some block on my file, I want this block or fraud alert removed and please do not add any alert or fraud alert to my report with out my express permission or with out my consent, I dont appreciate any alert being put in my report with out asking me, that also includes XXXX  and XXXX. No one needs to add or do anything to my report period with our asking while Im in the phone, no rep or supervisor has authority to do that unless they ask me, I want any and all alerts or anything that states block for promotional purposes taking off my report, I want everything that has to do with any alert to be removed from all three credit bureaus and nothing be added unless you talk to me personally on the phone or if I request it thank you, now please remove these alerts
Product: Mortgage

Ocwen Loan Servicing and its employee XXXX XXXX are continuing the same abusive servicing practices it was ordered to Cease and Desist. Do to the abusive servicing practices I canceled out the increased none negotiable loan modification with outrageous balloon payment then submitted a application for assistance to avoid the illegal seizer of my home until I can get justice in a court of law. As of today, I still have n't received a response. I have added the Consumer Financial Protection Bureau as a defendant to the lawsuit because they failed to take action against Ocwen Loan Servicing, and because of all the past quiet XXXX dollar settlements in agreement allowing Ocwen to admit no wrong doing which has allowed Ocwen to continue its abusive servicing practices allowing Ocwen to keep committing fraud against me to embezzle my home to enrich themselves while the CFPB shuffles its millions. The Consumer Financial Protection Bureau is not designed to protect homeowners from abusive loan servicing practices it is designed to receive millions in settles in exchange allowing Ocwen to admit no wrong doing when Ocwen makes false promises to clean up its act. The same old story! The same old quiet XXXX dollar settlements! The same old abusive servicing practices! The same old harassment! The same old demons running a muck! The same old family 's out in the streets with nothing left because of Ocwen manufacturing documents to be guaranteed favorable judgments to embezzle homes!
Product: Debt collection

Search Results XX/XX/XXXX Here you go Guaranteed XXXX XXXX Closing Date - Through Certificates XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX. 

Here 's the Proof. House Joint Resolution 192 - 100 % Proves ALL DEBT ARE PAID that pertain to the LEGAL FICTION/CORPORATION/DEAD ENTITY . 

I canceled all powers of Attorney back in XXXX, it's all in Public Record unrebutted ... Trott Law, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and Employees stole my identity. 

These Corporations and people involved with the highly illegal/unlawful Auction attempt XX/XX/XXXX owe us XXXX in Compensation. 

We will be making no more payments as The Mortgage is FRAUD via Grammatical Deception + Null and Void via Bifurcation. No one has the Note except for the TRUST, I have the CUSIP proving Chain of Title is Factually broken. The Note is now a Security. XXXX XXXX has/is committing Security Fraud by Double Dipping. Yall got caught. 

The CFO/CEO has permission to XXXX the Account via my DECEDENT ESTATE. The Bill shows a Positive Number in the XXXX XXXX XXXX, I ACCEPT that amount, XXXX the Account.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individuals to whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In General if, after any reinvestigation under paragraph ( 1 ) of any information disputed by 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Starting on XX/XX/2015, OCWEN Loan Servicing stopped sending my monthly statements. When I called to ask why I was informed that because of my bankruptcy discharge they were no longer mailing it. I have not declared bankruptcy. I called their main number and after dozens of frustrating calls, I finally spoke with one of their reps. and she promised that she would help me with my concern as sure enough I received a phone call about two weeks later. She was very apologetic about what had taken place and I even received a letter from Ocwen stating that this had been their mistake. My statements began to be mailed to me again and I thought this was behind me. Well, Ocwen no longer services my account. It's now PHH mortgage services XXXX XXXX XXXX XXXX XXXX, NJ XXXX and guess what, we are right back where we were again. I called PHH on2 maybe 3 separate occasions and the last time I spoke with what has to be one of the most rude persons I have ever spoken to, said ( paraphrasing ) get a lawyer and take us to court. I don't know what else to do. Can you help me? 
Thank you. 
XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, # XXXX, XXXX TX XXXX, United States XXXX XXXX XX/XX/year> Subject : Debt Validation Request and Assignment Contract Dear Sir/Madam, I am writing to formally request validation of the debt referenced below, as well as a copy of the assignment contract that grants the collection agency the right to collect this debt. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 
Account Information : * Account Number : XXXX * Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Amount Claimed : {$7300.00} I request that you provide the following information : 1. Validation of the Debt : Please provide documentation that verifies the debt, including the amount owed and the name of the original creditor.

2. Assignment Contract : Please provide a copy of the assignment contract or other documentation that shows the collection agency has the legal right to collect this debt.

Please consider this letter as a formal dispute of the debt until such time as the requested information is provided. I also request that you cease all collection activities until this validation is completed. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/XXXX I had XXXX of my chase credit cards used in fraudulent charges for about XXXX I was at work when all this was happening. Later that night I noticed a charge came through asking if I made a purchase I replied no then I went on my account and noticed XXXX in charges I never received any calls from them.. I disputed all the charges and went to my local bank the banker said that he thinks my phone had been a victim of a SIM card swap now 2 weeks later chase says that Im liable because I authorized the use and it happened in some Arabic country when I havent left the USA for over 10 yearsand the chase credit card service said I was calling from that country to authorize the charges
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXBalance {$110.00} XXXX XXXX XXXX-Balance {$1400.00} XXXX-Balance {$9200.00} XXXX-Balance {$790.00} XXXX XXXX XXXXXXXXBalance {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed with XXXX and the debt for wakefield was removed but it still appears on this report. Wakefield has records of it being paid in full.
Product: Credit reporting or other personal consumer reports

I told trans union XXXX writing to formally dispute the inaccurate information currently reflected in my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate, incomplete, or unverifiable. Please review the following account and delete off of my credit report because of the inaccuracies. On the below accounts. 

XXXX. XXXX ( Account XXXX : XXXX ) ** The balance owed was reported as {$790.00} on XX/XX/year>, yet the account is closed, and the last payment history contradicts this amount. 
XXXX. XXXX  XXXX ( Account XXXX : XXXX ) ** The account status is marked as disputed, but this is not reflected in the latest report, showing the issue was resolved. 
XXXX. XXXX ( Account Number : XXXX ) ** The account is noted as canceled by the credit grantor, but no clear explanation is provided for the remaining balance. 
XXXX. XXXX ( Account XXXX : XXXX ) ** The account was sold to another lender, yet the balance remains inaccurately reported. 
XXXX. XXXX XXXX ( Account Number : XXXX ) ** The account meets FCRA requirements, yet it still reflects incorrect balance information. 
XXXX. XXXX ( Account XXXX : XXXX ) ** The repossession date conflicts with the date of the last activity, suggesting inaccuracies in the report. 

Also, I asked them to delete these inaccurate accounts below as well. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was never mailed a letter notification to the following XXXX XXXX collection bill of {$9100.00}. Debt is NOT mine, my VA insurance should have covered my medical expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has lied about verification of debt. 
XXXX XXXX  XXXX has deleted this account because they could not find verification of debt. This is terrible.