23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home loan was refinanced by this company XXXX XXXX XXXX XXXX in 1998 unbeknownst to myself and my wife. This company refinanced our home for {$52000.00} for what because we never saw a XXXX of the money.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am reporting identity theft regarding a fraudulent mobile account opened in my name without my consent. I was on my partners plan but transferred my number to a different provider when I left the relationship. My ex-partner fraudulently created a new account in my name, which was sent to collections by XXXX XXXX XXXX. I have never lived at the address XXXX sent on the attached XXXX bill as validation. This is a XXXX Account. 

I never authorized this account and request immediate removal from my credit reports. This is identity theft, and I am not responsible for this debt. XXXX XXXX XXXX must cease all collection activities, and the account should be permanently blocked from being re-reported. Please confirm the removal and necessary corrective actions. 

This statement is made under penalty of perjury, and I request urgent action. Contact me if further documentation is needed.
Product: Debt collection

I received in the mail a letter where I've been told to show up for a court hearing about a debt that I knew I had, and have already set up payments with another company called : XXXX. This court docket does not tell me anything except the company they are representing and how much money I supposedly owe, which I can't even verify this amount as correct. Then I tried to call them and they wanted my credit card number and when i said XXXX dollars over the phone on my credit card was too much and they said okay, how about XXXX dollars and then XXXX dollars a month. I still don't know officially who I am talking to. He hung up on me. Then I tried to call XXXX XXXX and she gave me the same number to call that I had just talked to. Supposedly Pressler and Pressler, LLP I looked up the Judges name online, she apparently does exist. But this is very creepy and I don't know if it is legate and why is this all I received was a letter taking me to court.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 30 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you reported these accounts in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. You companies are causing Damages : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22. Have a fraudulent unauthorized inquiry from XXXX XXXX XXXX. That I would like remove from my credit report or provide proof within 30days
Product: Student loan

I am the durable power of attorney for my son. I have filled the DPA paperwork with Navient over 2 years ago. I have called repeatedly in response to mail only to be told multiple things, they do n't have th e DPA  on file, that it has expired ( they were reading the expiration dat e of the notary 's commission ), that they are unable to speak with me regarding the loan becasuse I am not empowered to deal with his loan, that I have filed the wrong paperwork, that they do n't have a valid signature, etc. This is just trying to renew his income-driven repayment plan for this year. The same thing happened last year. I am resubmitting paperwork again today per their request. There is no one at Naviet that I am able to speak to or who has corresponded with me that that is empowered to resolve this matter.
Product: Credit reporting or other personal consumer reports

My credit report includes unapproved hard inquiries contrary to 15 USC 1681c-2. These errors are impacting my credit score, and I request immediate action to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE XXXX Im filing another complaint on the reference number listed above Experian failed to conduct the method of verification with in 15 days of the original complaint per the FCRA anytime a consumer ask the reporting agencies for a meth of  verification experian XXXX  XXXX  XXXX have exactly 15 days to provide this information in this case Experian is well over the 15 day deadline and I demand Experian to remove the following accounts XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The law is very clear about 15 days again you are in violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I agreed to a settlement amount with XXXX XXXX  XXXX  the terms of the settlement company agreed to correct payment history to alXXXX XXXX XXXXA. The information is still not reporting correctly I contacted XXXX XXXX to do a investigation they sent me a letter stated they needed to correct the payment history still not corrected I tried disputing the information and it still has not been correcting this account is showing a negative account and it should not this is messing up my ability to obtain new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : {$8400.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$830.00} XXXX XXXX Balance Owed : {$17000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$3200.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$430.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

One of my accounts has already been deleted by you, but there is still an account with inaccurate information, which harms my credit report, the account is XXXX the XXXX which appears as sold to another lender, without having any knowledge of it nor do the credit bureaus show what has been the final destination of this account, leading to my data and financial information being in the hands of another institution which I do not know and without my previous knowledge
Product: Mortgage

On XX/XX/XXXX - Using my PNC online account, I made an early payment towards my XX/XX/XXXX mortgage loan payment in the amount of {$300.00}. 
On XX/XX/XXXX - PNC, using the auto-payment system, took the full amount of my XX/XX/XXXX mortgage payment even though the {$300.00} paid on XX/XX/XXXX had been credited to my mortgage. 
On XX/XX/XXXX - I called XXXX concerned about the {$300.00} over payment taken by PNC. I was told by XXXX XXXX that there was a glitch in the new payment system and that they were working to resolve it. She said many customers were calling with complaints and PNC was working hard to resolve the problems. I gave my information and was told my {$300.00} would be returned to my checking in 3 to 5 business days. 
On XX/XX/XXXX - I called PNC again because my {$300.00} had not been credited back to my checking account. I spoke with XXXX. I was told by XXXX that my {$300.00} would be processed back into my checking no later than XX/XX/XXXX. 
On XX/XX/XXXX I called again because I still had not received my {$300.00}. I spoke with XXXX who told me that he sees a record where a request by me had been processed, but it would take up to 30 days to be reviewed for the return of my {$300.00} over payment.
Product: Mortgage

Overpaying of interests during the Refinance : I have a 30 year XXXX ARM from Wells Fargo Bank related to my primary residence ( co-op ). In XXXX 2015, I refinance a 15 year fixed rate mortgage from XXXX XXXX with closing date scheduled on XXXX XXXX, 2015. XXXX XXXX 's policy is to fund three days after closing-XX/XX/XXXX. And XXXX branches are open on XXXX XXXX. However, the Wells Fargo attorney office is closed on XXXX XXXX and can not release the stock certficate until XXXX XXXX. And the settlement agent ( XXXX XXXX attorney ) wo n't release the cash disbursement to me until XXXX XXXX. However, XXXX start charging me interests on Friday, XXXX XXXX even though the settlement agent can not release fund until XXXX XXXX.
Product: Vehicle loan or lease

I, XXXX XXXX entered into a consumer credit transaction with SANTANDER USA , INC finance on XX/XX/2021. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 US Code 1605 ( a ) a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting to pay a down payment, or any other additional charge outside of the finance charge, which was paid for with my credit. In this transaction, there was a cash down payment of {$3500.00}. Congress said in pursuant to 15 US Code 1605 that the finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer transaction thus making this illegal.

I tried to send my affidavit of truth with evidence, cease and desist, and notarized Jurat to SANTANDER USA , INC using the address that was provided, but it was returned due to an invalid address. At this point, whether malicious or unintentional, I have been denied my right to dispute due to my inability to communicate with SANTANDER USA , INC. I am demanding a remedy of this situation immediately.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 I attempted to withdraw {$3300.00} from my Venmo account to my bank account. Routing number and account number was accurate. Venmo even verified said bank account. After this, Venmo told me it would be 2-3 business days until the funds were sent to my bank. The next day I received an email stating that the transaction was " suspicious '' and my account was permanently frozen and the money was to be held for 120 days. I checked Venmos policy on red flag money transfers and I was well within the range of money for a standard bank transfer. I sent numerous emails and disputes to venmo but have heard nothing from their support team.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased four reloads of XXXX XXXX cards in the amount of {$500.00} each. Unfortunately, the first two reloads brought me to a $ XXXX monthly limit, and so Incomm did not load the remaining {$1000.00} cash into my XXXX account. Though Incomm makes it virtually impossible to reach them on the phone, I finally did, and was given an email address to send documentation. I did so on XX/XX/XXXX. On XX/XX/XXXX, Incomm send me another email, saying that they needed a utility bill. I do not understand why, if needed, that would not have been requested with the rest of the initial documentation, but I responded on XX/XX/XXXX with a copy of my electric bill. I have received no further communication from Incomm. They have stolen {$1000.00} from me and refused to refund it.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

TRANSUNION XXXX : ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$550.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$490.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ONLINE IN SV ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$320.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) Balance {$550.00} XXXX XXXX XXXX Balance : {$490.00} INQUIRIES : XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX Balance {$490.00} INQUIRIES : XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received an email from Experian stating that I given limited information in regards to my dispute already in progress. This private company is demanding access to my social security credit card number which is negotiable instrument with no contract with me nor court order. It appears as if they are violating my right to privacy. The company has already utilized my personal information without my knowledge with other companies. These negative transactions that are being reported are impacting my ability to attain my rights to acquire the basic necessities of life for example a quality home, decent car and educational aspirations for my children. I feel like I am being extorted by Experian with these demands.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid the balance of my Citi Diamond Preferred card in full. The payment was made through the Citi online portal. The representation was that my balance had been paid in full indicated by choosing the " Pay your entire balance '' & " {$0.00} owed ''. As well, my balance available for purchase after my payment was the full amount of my credit line. I have not used my card since paying the balance in full. 
On XX/XX/XXXX Citi Card charged additional interest fees, presumably the finance charge from the previous month. On, XX/XX/XXXX Citi notified me that I was delinquent on my payment. Upon contacting Citi I was informed that 2 late fees were assessed on top of the interest charge from XXXX. I spent over 1 hour being transferred back and forth between departments who could not explain the charges to me plainly. I was told that Citi could not tell me how the entire balance represented on the account had been calculated and that they would not be able to remove any of the late fees. We settled on a nominal balance that represented double the interest charged originally. I still did not receive a clear explanation of what this amount consisted of.
I understand that I am responsible for paying the interest for purchases that I made however, I feel that I have been unfairly charged late fees, as well as unknowingly causing potential harm to my credit to benefit the bottom line of a muti-billion dollar bank.
The process of paying a nominal ( under {$20.00} ) interest fee was exhausting and in my opinion completely unnecessary. I feel that Citi purposefully designs their customer service lines of communication to deliberately frustrate and confuse their customers so they will relent and pay erroneous and exorbitant charges.
Product: Mortgage

Bank of America has not been able to reconcile my Mortgage Escrow. They increased my payment amount without being able to provide a reasonable explanation for the increase. Multiple representives/Managers/Executives said they would " correct '' the overcharge, and have failed to do so. 

I sent them multiple emails stating I was not authorizing the additional payment, while I was disputing the amount, and they continued with the withdrawal. They also initiatied a cancelation of my escrow completely, after I advised them I did not want that option. 

During the majority of the phone calls they did not provide the " recording disclosure '' until I asked deep into the conversation if it was being recorded. 

It typically takes 30-90 minutes to reach a representative and each time they were not able to correct the issue
Product: Credit card or prepaid card

I can not reach these people by phone. They do not respond to my email. They send me a bill every month by email but I can not access the account to view my interest rate or update my contact info. The flagged my card as fraudulent when I moved. I sent my information to the only address I had for them which is in XXXX, Ohio. I can only pay my bill now through the XXXX XXXX XXXX XXXX. These is regarding my Comenity Bank XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an acct ending in # XXXX with First Progress Card. I submitted a payment to correct an erroneous past due situation which destroyed my credit rating. After having communicated my displeasure with their service and comment that it would take 3 months to get my deposit back I decided to close the account. The response to this closure was another massive hit to my XXXX Credit score ( XXXX points ). This need to be corrected immediately as it has already cost me dearly on a mortgage application.