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

Just over a month ago my wife and I had money stolen from us as part of an apartment scam. Its evidently more common than you realize. Financial transactions were processed using Venmo, making it a facilitator and resource for both fraud and potentially money laundering. When I realized that we had become victims, I immediately filed a report with my bank, filed a police report and called Venmo directly to make them aware of the fraud and request that the transaction be stopped. I was told point blank that there is nothing they can do and that they dont hold liability for transactions made through their app. Their support team told me that they never give refunds per company policy. This seems ridiculous and makes you wonder how many fraudulent transactions are being made through Venmo and PayPal? 

Most importantly I just want the money that we lost back. Im currently on unemployment, and the money that we were cheated out of was from my unemployment benefits, adding another layer of deceit on the part of this corporation which clearly doesnt care about its users, nor protect them from fraud. Ive contacted them many times via both their website and phone to no avail, only receiving the same answers with zero empathy or actual support. And theyve chosen to ignore the fraud and maintain a NO REFUNDS policy across the board instead. Ive made every effort to resolve this matter with the company over a months-long time period, and theyve consistently denied to even talk about it with me. They also told me that I can not file a complaint with them and that I should contact my bank, although my bank only sent the money to pay for the transaction, but didnt actually process it itself, instead using the third-party app. The bank also wont offer any type of refund and they deny any responsibility, placing the blame solely on Venmo. So, there were a lot of fingers being pointed when I first started reaching out about this. 

Im seeking reimbursement for my wifes and Is money lost through the fraudulent Venmo transactions totaling {$1100.00}. This has been a tremendous financial burden for us. I have screenshots showing transaction information, as well as the police report numbers and other supporting documentation. 

In desperation, Ive reached out to a few organizations that protect consumers in hopes of receiving a refund. I also hope that that at least one of these consumer protection organizations further investigates Venmo to determine how rampant fraud is, and whether transaction laundering and money laundering is occurring through Venmo transactions regularly.
Product: Checking or savings account

I have several checking accounts with truist Bank. For some time now. I make mobile deposits and I do multiple checks at a time for my business and when I do that the checks are deposited. They're in the next day and everything is good but in the last month seems like every other deposit is getting a hold placed on it. Now to my knowledge, no bank can put a hold on a check unless there's valid reason and with truest Bank it's {$5000.00} or greater, them suspecting that the check might not be valid for funding or my bank accounts too new. None of those apply to me. It's happening to checks that are like {$300.00}, {$400.00}. Nothing major. It even happened on {$160.00} check. These are given to me by homeowners that I provide services for at their house. I have received no valid explanation that can possibly match up with a reason that any of these checks would be put on hold. There are several times we're all deposit a large check and it gets approved and then a few minutes later I'll deposit a smaller check and it gets a hold place on it. They are also withholding the money for a longer amount of time that is necessary. For instance, I had to wait 10 days for a {$160.00} check to clear. Now I'm trying to run a business so me depositing money and timing affects different people other than myself. They continue to do this to me. It happened to me today. Something needs to be done about this. This is the first time I've had Banks do frequent holds on small amount checks and not give a valid reason why
Product: Mortgage

Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX  XXXX Your Phone Number : XXXX, XXXX Your Email Address : XXXX Loan XXXX Mortgage Servicer Name : XXXX XXXX, XXXX funding XXXX Shellpoint Servicer Selene finance XXXX Against Selene finance XXXX Loan Modification Terms Issue Summary : I am filing this complaint against Selene finance XXXX to failure to correct XXXX missing payments and unfair and potentially unlawful practices regarding my loan modification offer. 
Instead of offering a modification that improves affordability, my lender has : Increased My Interest Rate and Monthly Payment My existing mortgage interest rate is XXXX %, but the modification increases it to XXXX  % instead of reducing it. 
This results in a monthly increase of over {$XXXX}, violating the basic principle of loan modifications, which should lower payments. 
Modifications should aim to reduce payments by at least {$XXXX} per month under standard guidelines. 
Failure to Provide Proper Documentation of XXXX XXXX The servicer has not provided a valid chain of title proving their right to modify or collect on my loan. 
The recorded assignment history is incomplete, and no recorded assignment to Selene finance has been provided. 
Without proper documentation, the servicer may not have the legal authority to modify or enforce the loan. 
Errors in the Modification Agreement The agreement wrongfully includes the name of an individual who was never a borrower on the loan. 
This creates legal inconsistencies and could lead to issues enforcing the modification in the future. 
Questionable Notary Requirement Previous loan modifications did not require notarization. 
The new requirement for notarization raises concerns about whether the servicer is attempting to use the notarized document as a means to establish ownership of the loan improperly. 
Steps I am Taking to Resolve This Issue I have submitted a formal written dispute to XXXX XXXX requesting correction of these issues. 
No sufficient response has been provided I am now seeking CFPB assistance in ensuring my servicer complies with all relevant laws and guidelines. 
Relief Sought : I request that HUD and CFPB investigate and intervene to ensure that : The modification terms comply with fair lending and hardship assistance rules, including ensuring that my payment is reduced rather than increased. 
The servicer provides full documentation proving their legal right to modify my loan, including a complete, recorded chain of title. 
The errors in the modification agreement are corrected, including the removal of the unauthorized borrower 's name. 
The servicer does not use the notarized modification as a way to claim ownership of the loan improperly. 
Supporting Documents : I can provide Loan Modification Agreement ( with unfair terms ) Prior Loan Documents ( showing original terms ) Incomplete Assignment History ( showing missing transfers ) Formal Dispute Letter Sent to Servicers Servicer 's Response I respectfully request the CFPB to investigate this matter and ensure that my servicer follows fair lending practices. Thank you for your attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My soon to be ex husband applied for multiple credit cards in my name that I did not apply for. He also stole my wallet and racked up charges on my actual credit cards.
Product: Credit card or prepaid card

1.I have never had an account with this company CB/LNBRYANT XXXX* , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK/LNBRYANT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( XXXX ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that remains on my credit report despite previous dispute file with your agency. 
Im bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined and 15 U.S. code 1666B under the billing error category ; ( 4 ) the creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ratifications of late payments regarding the linked accounts. 
I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment resulting in an erroneous designation as late-a sign of an invoicing error therefore. 

The failure to correct or remove this information after my attempts to resolve it is in violation of my obligations under the Fair Credit Reporting Act ( FCRA ), As recently highlighted in the and the Consumer Financial Protection Bureau ( XXXX ) lawsuit against XXXX ( case XXXX ) you also violated my Consumers Rights And Privacy under the XXXX, XXXX and XXXX.Im a victim of the latest Data Breach. 

I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : paid as agreed.
Product: Mortgage

This is a followup to my first two complaints XXXX and XXXX submitted XX/XX/XXXX and XX/XX/XXXX. M & T failed to complete or the mortgage assumption rider for our VA loan assumption so the transaction was never recorded by the county clerk. We are being prevented from obtaining a HELOC loan because of this, with interest rates rising this is having a real affect on my finances. In addition to the chaotic disorganized process in obtaining this loan, I have had M & T pay the old owners homeowners insurance with mine and bill me for it, sent my personal information to the old homeowner, given me access to the old homeowners bank account to do an auto withdrawal from. I've lost count of the time spent correcting M & T errors, it would be easier to count in workweeks at this point.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One failure to deposit my direct deposit from my employer. Capital one has cited technical issues, which may violate Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumers protection law, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and this is still remaining account on my report which is fraudulent and was resulted from identity theft. I am pleading for your help to remove this remaining item found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$1300.00}
Product: Credit card

I applied for a Southwest Airlines Rapid Rewards Credit Card a few months ago. I was approved and granted a {$4000.00} credit limit. There was a yearly fee attached to this card. Supposedly the fee was due on XXXX of 2015 but I kept getting an email saying the fee was due XXXX XXXX, 2015 of which I was going to pay. However, customer service is implying that I knew my yearly fee was due before XXXX XXXX, 2015. I kept getting an email saying XXXX XXXX, 2015 so I dont know what the problem is but I do n't appreciate being treated that way as if I am so type of liar and on top of that they Closed my credit card account for not paying the yearly fee. I think that is unfair and I was n't even given an opportunity to pay when I called in on XXXX XXXX or XXXX XXXX. But when I called in to make a payment I was told my account was closed the same day. I tried to make payment online but I could n't log in. I believe someone other than myself have created an account with my card information. My information was involved in a breach recently too so i do n't what the problem is. I just want to be heard, treated fairly, and have my card re-opened and of course pay the fee. I was not heard and I was mistreated by customer service. I feel like I was mistreated based off my nationality. Its not right and I pray to XXXX that I get a fair fight.
Product: Vehicle loan or lease

On the date XX/XX/2021, I did a consumer credit transaction with XXXX, XXXX online dealership and extended my credit with a finance charge through Bridgecrest. 
I'm the original creditor extending my credit using my credit card ( SSN Card ) pursuant to 15 USC 1602 ( L ) but the creditor fraudulently financed me a car through this process. 
Pursuant to 15 USC 1605 ( a ) the finance charge which was included within my credit transaction should be the sum of all charges. 
Mind you the finance charge is a total of {$13000.00} exact but this dealership and Financial Institution gave me a total sale price of XXXX ( see attachment Retail Installment and Security Agreement ) That is a total of {$21000.00} charged over the sum of all charges which is inaccurate and unfair credit card practice that utterly goes against this subchapter of the TILA ( Truth in Lending Act ). The finance charge section under my signed contract does not include my insurance coverage which should, which downright breaks federal law pursuant to 15 USC 1605 ( a/5 ) ( see attachment page 2 ). Under the Sub chapter of the TILA Section 1026.5 ( b ) Time of Disclosures. There is no 21 day notification of statements nor grace period established. I was told to screen shot the ledger for the account online and was refused validation of documents in writing for the ledger. 
Sadly this is fraud so this contract is now void.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX  XXXX Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Somehow its showing that I have an debt with a circuit court, but when I went down there to the court they stated that they dont know why these judgements are showing on my credit report. This judgement does not belong to me. Along with numerous inquiries and open accounts without my consent such as, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

This company 'XXXX XXXX ' has been falsely reporting incorrect, false information on my credit reports for XXXX years. I was an identity theft victim. This company was notified several times, they were informed about the unauthorized opened account. They closed the card, however closed the account as a charge off on my credit report. They were supposed to close the card and remove, they instead closed the account as a charge off unpaid as if they didn't know this was due to fraud, they have also sent a 1099 with no investigation. XXXX XXXX  is falsely reporting errors on my report!!! I have sent them the required and relevant correspondence. They have received the police reports, the dispute forms, my identification, my disputes from the XXXX bureaus of XXXX, Experian, XXXX also notified them. The NY attorney General notified them, the CFPB has notified them, they are not investigating legally, they are continuing to report inaccuracies on my file. They are in violation of the F.C.R.A. XXXX XXXX  IS ILLEGALLY REPORTING FALSE, INACCURATE INFORMATION OM MY PERSONAL CREDIT FILE. THEY WERE TO REMOVE AND DELETE THE ITEMSS ONCE THEY WERE NOTIFIED ABOUT THE FRAUDULENTLY OPENED ACCOUNT THAT WAS UNAUTHORIZED, THEY SAID THEY WILL CLOSE AND REMOVE THE ACCOUNT DUE TO FRAUD, EACH TIME THIS IS DISPUTED THEY PUT IT BACK. XXXX XXXX  HAS NO INVESTIGATION PROCESS IN WHICH I AM LIABLE FOR THIS ACCOUNT. THIS HAS TO BE REMOVED FROM MY REPORT THEY ALSO WERE REPORTING TO AN ADDRESS I WASNT ASSOCIATED WITH, ONCE I GAVE THEM MY ADDRESS ( FOR PURPOSES OF THEM MAILING ME DOCUMENTS REGARDING THE DISPUTE, THEY CHOSE TO REPORT MY CURRENT ADDRESS ILLEGALLY, THEY HAVE NO ACCOUNT OPENED AT MY ADDRESS OR PERSONAL INFORMATION IN 2019 AT THE TIME OF THE FRAUD. NOTHING MATCHED BACKED TO ME IN THEIR INVESTIGATION.
Product: Debt collection

Recording says that they are seeking information concerning a debt and to please call XXXX. The recording then stops. They call daily.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Champion Mortgage - XXXX XXXX, XXXX executor There was application and reported grant of extension on HECM reverse mortgage. 
Mortgage company refuses to provide written confirmation. 
Referenced referral law firm voice mailbox full for last 2 days. 
As the mortgage company has already been caused to retract premature acceleration and foreclosure of note they can not be trusted. 
I am still getting 10+ calls per day and people are coming to my door. 
How do I get written confirmation? 
How do you stop solicitation regarding foreclosure? 
They have apparently published my home phone number as well as my address. 
Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute less than a week ago regarding the one and only negative thing on my credit report. For my company called XXXX. These people have fraudulently put this on my credit report because this was supposed to be paid due to insurance. Not to mention the fact I have repeatedly told XXXX that they are not to contact me they are not allowed to submit this on my credit report and I will only deal with the original creditor. Federal law says I have that right. On XX/XX/XXXX of all days Equifax said they had concluded the dispute and verify the information yet they refused to show me how they verified the information. What did they do get a letter from XXXX stating it is correct? That is not sufficient. They can not simply take the word of a creditor wanting to get their money home by the way has never sued me in court. The original creditor, XXXX XXXX, was supposed to file this with insurance and apparently never did. I never received proper notification from XXXX and the next thing I know this is placed on my credit report. Equifax has been negligent in their investigation due to the fact that they did not and could not have gotten proper verification of this from XXXX XXXX in a matter of a few days. They are merely taking the word of a well-known debt collection agency whom I might add continues to break laws every single day.
Product: Credit card

The BarclaycardUS.com Upromise by XXXX card has, XXXX, a deceptive practice regarding payment due dates. ( Many other cards have this too. ) In addition to a date, they also have a time by which payment must be submitted online, else the payment is considered late, and a late fee is incurred. In this case the time is XXXX XXXX. Nowhere on the face of the statement is the time listed. It is buried in fine print on page XXXX with the phrase " Payments made on our website by XXXX XXXX ET will be credited to your account that same day. '' Customer service tells me it has always been written there in the fine print, and I believe them. My point is, how many people actually read the gray fine print on the back of the statements. Should n't, for the sake of clarity, it be required for credit card companies to print any time restrictions on the front of statements, next to the due date that they take the time to print in bold?
Product: Credit card

I am writing to inform you that my Social Security number has been compromised, and I am a victim of Identity Theft. 

See attached