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

XXXX XXXX Credit card payment was due on XX/XX/XXXX. I submitted the payment via bank ACH transfer on the XX/XX/XXXX. The process date was set for XX/XX/XXXX. Email was sent from XXXX XXXX that payment request has received on XX/XX/XXXX at XXXX " This is a confirmation of your one-time payment authorization made by way of an internet connection '' on XX/XX/XXXX at XXXX, they sent another email Thank you for your payment This is confirmation that your payment toward your XXXX XXXX  credit card has been processed. Thank you for your timely payment. 

our payment details* PAYMENT AMOUNT $ XXXX DATE PROCESSED XX/XX/XXXX *Accurate as of XX/XX/XXXX. 

Apparently, the bank didn't process the payment due to the error in the account number submitted. But I had no idea at all that it happened. Based on the email sent 2+ days later, my conclusion was the payment was process on the XX/XX/XXXX and everything is good. 

They charged me late fee and financial charge and they didn't notify the bank denial in time so that I can rectify the situation. They just charged the fees in the next statement and we were notified about the next statement on XX/XX/XXXX. 

After discussing with the customer service, they will not accept their liability in stating they processed the payment and won't waive the financial charge. I ended up setting up another payment on XX/XX/XXXX. 

They should not communicate that they processed the payment and thank me for making timely payment, only to turn around charge me without providing me any communication about potential late payment and letting me fix it before the due date. 

Terrible company to work with. This is not their only poor customer service we experienced.
Product: Checking or savings account

I had a large settlement check deposited into my account. After trying to retrieve the funds, Venmo froze my account and later told me the account has been deactivated. They said IF I get my money it will take 180 days.
Product: Credit card or prepaid card

I received what I thought was an interest free credit offer from Apple using their Goldman Sachs credit card arrangement and purchased XXXX XXXX  My auto pay checking kept paying Goldman its monthly charge while I accelerated my payments to close out this small debt. I finally realized I had overpaid on my account by more than {$2000.00} but continued to be billed monthly by Goldman as if I still had a balance. 

XXXX lengthly phone calls with them produced nothing. the last call was with a " supervisor '' name XXXX who agreed that Goldman owed me money but could do nothing but refer it up their chain. Never received confirmation- via email or text - of my hourlong conversation nor was the billing stopped. 

My first call to Goldman was in early XXXX when I asked for - but never received - an accounting of my account with them. Their resolution was just to continue to bill me which they are still doing as well as charging me interest on this phantom debt.
Product: Mortgage

I apply for financial hardship in XXXX. I had sickness and loss of income. Received unemployment so I was able to submit an application for a hardship. I completely information For financial hardship explaining my situation. After a long flight to get help after continuously trying to talk to the mortgage company. They kept giving me a lot of runaround. Finally got a notice that I was approved A Forbearance in XXXX. So the forbearance would have went through XX/XX/XXXX, I received an email from a XXXX XXXX with Fifth Third, On XX/XX/XXXX, at XXXX XXXX, XXXX, XXXX XXXX wrote : She requested paystubs. I sent all the information XX/XX/XXXX through email. The only correspondence that I received after that was on XX/XX/XXXX, requesting a monthly worksheet so that we can start the modification. I sent all the information as requested Through email. On XX/XX/XXXX, at XXXX XXXX, XXXX, XXXX wrote : Do you spend anything for auto gas and I stated no. And that was it. I heard nothing from this point. On XX/XX/XXXX of XXXX, I sent another email to XXXX requested an update. She replied that a repayment plan was mailed out to me on XXXX XXXX mail. And asked Did I not get it? I Reply no!! And asked what was the payment plan. I heard nothing. On XX/XX/XXXX, I sent another email and got a reject noticed that XXXX Is no longer with the bank. I called and spoke to several people. XXXX XXXX XXXX For an update and she stated that her fouls never moved to another individual, and that she will assist me a call me back on Friday XX/XX/XXXX To see if she can get with a Nother negotiator so they could get the paperwork back out to me so that I can sign it and start the repayment plan. I heard nothing from her Until XX/XX/XXXX. And she requested that I start the whole process over. Im very frustrated not sure whats going on. Ive called and spoke to XXXX on On XX/XX/XXXX and she advised me to send a signed form only, and additional paychecks and that they can use the same information to resubmit. I resubmitted on XX/XX/XXXX. But got a call today XX/XX/XXXX from a XXXX requesting payment and that Im in foreclosure. When I Called On XX/XX/XXXX, I wasnt in Foreclosure, now I dont know what to do at this point because now theyre stating that an attorney has been assigned to the fair and that theres additional fees is going to be attached on the mortgage. I never dropped the ball I got approved for payment plan. The person that was working My file is no longer with the bank. Contacted XXXX XXXX, she asked me to forward all the emails from XXXX and I did and now theyre making me start the whole process over and Im in jeopardy of losing my home. I need help, I need help. To stop this from happening. Im baffled that a company can start a foreclosure process, due to me being approved for repayment plan, but due to me never receiving that information in the mail, I am now about to lose my house. I told XXXX and XXXX at FifthThird about what happened. But no one will help me.
Product: Debt collection

XXXX XXXX, 2016 Consumer Financial Protection Bureau Case # XXXX, XXXX XXXX Department of Insurance & Financial Services Case # XXXX Dear CFPB & DIFS : This letter is regarding above case numbers and CFPB 's press release dated : XXXX XXXX, 2016. 
CONSUMER FINANCIAL PROTECTION BUREAU ORDERS CITIBANK TO PROVIDE RELIEF TO CONSUMERS FOR ILLEGAL DEBT SALES AND COLLECTION PRACTICES " Citibank sent inaccurate information to buyers when it sold off credit card debt and it also used law firms that altered court documents, '' said CFPB Director XXXX XXXX. " Today 's action provides redress to consumers who were victimized by slipshod practices as part of our ongoing work to fight abuses in the debt collection market. '' Will you please take a look at above case numbers! You will see that Citibank , N.A . via XXXX , XXXX XXXX XXXX of XXXX, XXXX as well as XXXX , XXXX XXXX XXXX of XXXX, XXXX did the same thing in above case number! We have yet to see any enforcement action here in Michigan. 
Redress is all we ask! 
Respectfully, XXXX & XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has obsolete inaccuracies on my report such as Last Verified Date of last activity Date reported Date opened With 2 late payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$7500.00} illicit wire ( XXXX ) Victim-blamed me for months, lied to me about company practices during investigation, then indemnified {$2300.00}. XXXX had {>= $1,000,000} in net profit XXXX. Deplorable. 

XXXX XXXX despite extensive phone conversations with fraud department, they allowed me to become classified as delinquent payee and charged interest on fraudulent transactions. Caused my score to drop from XXXX to XXXX. I demonstrated effort, willingness, and track record to pay. 
( 2 lines of credit ) ( In bill image -3 instances of {$3.00} on XXXX XXXX  are not fraud, card had been incorrectly saved to XXXX account when it became compromised, but did make those 3 XXXX  XXXX ) XXXX XXXX XXXX XXXX- same situation as XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shut off internet to my home with no warning. Because of router that needed to be replaced due to malware. Router caused compromised devices immediately after replacement of devices ( laptop/phones ). 
Upon further research into their history of data breeches, I have suspicion of link between my XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) and cause of identity theft. 
Demanding payment for malicious hardware. 
Also currently not providing a service I paid for. 

i reported to all 3 bureaus, fbi twice, ftc, uspis, irs, ca franchise tax board, ca insurance commissioner, all banks and card issuers. 

The last image got pushed to my phone during an XXXX update, it shows a person seemingly playing a game where i'm an avatar. I'm being filmed through what appears to be a hacked webcam. Its sick and disturbing, no one has answers.
Product: Vehicle loan or lease

I recently moved from XXXX XXXX XXXX state. The week of XX/XX/XXXX, which was the first week I arrived after the move, and I requested a title transfer from Hyundai Motor Finance through their website that week. I am still waiting for the title to be sent to XXXX for processing, so I can register the title in my new state ( XXXX XXXX The Hyundai Motor Finance website asked me for my DMV information, which it turns out was wrong. XXXX  only uses DMV for driver 's licenses. The XXXX Department of Revenue handles all automobile titles, but instead of informing me of this, Hyundai cancelled my transfer request without notifying me. Meanwhile, I reached out to them for an update, and they " escalated '' my request, again instead of informing me it had been cancelled. Finally, I found a TR-42 form myself from the state of XXXX filled out the title transfer request and several more weeks went by with no updates, only that it was " pending. '' No actions had been taken, and I was told there was no further action from my end ( repeatedly ). They finally told me my request had been cancelled when I spoke to a manager at Hyundai Motor Finance ( titles division ), and we started over again. Then I sent them ( via email ) a copy of the TR-42 form that I found myself on XX/XX/year>. Then almost another month went by ( I called several more times ) before I received the TR-42 form in the mail, notarized by them. I drove it over to the XXXX title agency ( again, not the DMV ), and they signed and faxed the request back to Hyundai. Instead of sending this form to XXXX they requested a release of the title to them. So that's what XXXX did. I'm still waiting for the title. Hyundai tells me they haven't received it, but XXXX  Dept. of revenue sent it to them on XX/XX/XXXX. It's now been 2 months! My XXXX registration is due in XXXX, and I don't live there anymore. The title is now " in limbo '' waiting to be processed by Hyundai Motor Finance, so I can register my car in XXXX  state. This has been a horrible process with little to no action taken from their end.
Product: Credit reporting or other personal consumer reports

In accordance with the fail credit # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nBt treat a payment on a credit XXXX XXXX account under an open end XXXX consumer credit plan as late for XXXX XXXX it and pyt itin that box g Green Screen XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items : DEPT OF EDUCATIONXXXX XXXX Balance {$720.00} DEPT OF EDUCATIONXXXX XXXX Balance {$1600.00} DEPT OF EDUCATIONXXXX XXXX Balance {$2000.00} DEPT OF EDUCATIONXXXX XXXX Balance {$5200.00} DEPT OF EDUCATIONXXXX XXXX Balance {$2900.00}
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.

has violated my rights.

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. In addition I have provided the companies with a copy of a notarized ftc identity theft report. all of my private information has been leaked to thousands on various online platforms and has been used to create account and control accounts that where already existing.

petal card with reported balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

ABR Recovery Services LLC has illegally tried to re-age my account. ABR claims that my account was opened on XX/XX/XXXX, when in fact it was opened XX/XX/XXXX as proof by the ATTACHED LETTER BY XXXX for them to READ once again. They also claim this was charged off XX/XX/XXXX which is also incorrect as stated by the original creditor, XXXX. The letter has been attached to this complaint and has been sent to them. The account date of 1st delinquency was XX/XX/XXXX. The credit bureaus maximum reporting time is 7 1/2 years from that date as explained by XXXX. That would put this account well past the statue of limitations on reporting this account on my file. This account was not charged off by XXXX XX/XX/XXXX as ABR Recovery Services has falsely claimed. Their information is either incorrect or they are knowingly trying to re-age my account to try to collect a debt I am no longer liable for. 
ABR RECOVERY SERVICES, PLEASE READ THE ATTACHED LETTER BY XXXX PROVING THAT THIS ACCOUNT IS PAST THE AMOUNT OF TIME IT IS ALLOWED TO BE REPORTED TO XXXX!
Product: Credit card or prepaid card

I purchased a belt from Kohls in XXXX and was told that if I signed up for a Kohls card I would receive a discount on the product. When I signed up I scanned my debit card multiple times and was under the impression that I paid for the product with my own money. I was never alerted that I had paid with the Kohls card until a late balance was due. I never received the card and had no way to log in and pay it off regardless.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

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

I have never in my life applied for, nor carried a car note. There are countless companies reporting erroneous, and damaging inquiries on my credit report without my initiation. The majority of whom have ignored the repeated requests to cease authorization attempts, remove the previous credit reporting requests and void my information from their databases.

The credit bureaus have reported inaccurate SSN, birthdates, telephone numbers and addresses on my credit report. It stands to reason that they frequently have resulted in the inaccurate data that has been, and continues to be both tirelessly reported, and disputed.
Product: Debt collection

To Whom It May Concern, I am filing a formal complaint against Jefferson Capital for failing to provide proper debt verification as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I formally disputed the validity of this debt and requested verification, yet Jefferson Capital has failed to provide sufficient documentation proving that I owe the alleged amount.

Despite my request, Jefferson Capital continues to report this debt to the credit bureaus and/or engage in collection activities without fulfilling its legal obligation to provide proper verification. This practice violates my rights under the FDCPA and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ).

I request that the CFPB take action to ensure Jefferson Capital complies with federal law by providing the necessary documentation, including : A full itemized account of the debt, including the original creditors name and details of the alleged balance. 
Proof that Jefferson Capital has the legal authority to collect this debt. 
Any signed agreements or contracts that establish my liability for the debt. 
If they can not provide proper verification, I request that this debt be removed from my credit report immediately and that all collection activities cease. 

Below is the account : JEFFERSON CAPITAL - XXXX XXXX {$2900.00} Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, a fraudulent wire transfer of {$25000.00} was taken from my checking out following an illegal sim-card swap on my XXXX  device. Both the sim-card swap and bank transfer occurred at location in the state of Colorado. I was and am located in western Washington and have never been to the state of Colorado. I immediately drove to the XXXX, WA Bank of America location ( XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX ) and tried to stop the transaction. They refused to help in-person and instead gave me a phone number for their fraud department. After calling the number, the representative informed me that they could not help with sim-card swaps since they need to verify ID using the same number that was currently stolen. I immediately went to the XXXX store ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA ) to retrieve my number which the store rep confirmed was swapped in Colorado without my consent. 

The following morning, on XX/XX/2022, I went to the Bank of America location in XXXX, WA ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) where I filed the fraud case and they assured me that the case would be investigated. Bank of America promised a 90 day resolution time where they would either refund or give next steps. Bank of America has still not offered any solution. It is my belief that the fraudulent transaction occurred in-person with a fake ID at Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX received an email from the bank saying I had visited this location. I have called the Bank of America fraud services multiple times request information about the case, and they refuse to investigate. 
My case number is XXXX.
Product: Credit reporting or other personal consumer reports

In willful violation of federal law and in non compliance of FCRA 605B Experian is refusing to remove an account ( XXXX XXXX ) that is the result of Identity theft. I have provided all identifying documentation, reported the theft to the FTC and provided Experian with an affidavit of fraud from the police department. I am seeking the immediate removal and blocking of this account from my credit profile. Experian has shown no evidence that any of the following are true that I 1. The request to block information was based on a material misrepresentation 2. knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. nor have I 3. agreed in writing that a block was made in error. A key provision in FCRA 605B is that a Credit Reporting Agency such as Experian SHOULD NOT be investigating consumer cases of identity theft. Also conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B. If this derogatory information is not removed immediately I have no other option other than to will seek punitive damages per FCRA 616.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed Experian then went ahead and disputed positive reporting accounts that was paid off after I submitted my original complaint on XXXX I never submitted a dispute with my positive accounts
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business day

s after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Venmo account. I transferred {$100.00} to my niece XXXX XXXX onto her Venmo card but after trying for several days to access the funds, she got frustrated and asked Venmo to return the funds to me. 
I requested Venmo to return my funds but they are saying they need access to her username something that I do not have since its her personal information. I can easily access her details on the XXXX app while on the Venmo App. by simply typing in her name. How is it that I can access her details and they can't?