23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I ordered a phone case on XX/XX/year> that cost {$97.00}. It was financed with a promotion for deferred interest and equal payments for 12 months with td bank. ( 0 % APR for 12 months XXXX XXXX ). My original payments were less than $ 4 monthly. Sometimes I would pay more because the payments were so small. At some point my payment due amounts started to increase on my monthly statements. I could never get a sensible explanation from anyone as to why this was happening, so I just start making the increased payment thinking I was paying several months at a time. Next, they started adding late fees on my increased payment amounts. After several " investigations '' with no results, I paid off my remaining balance in full just to be through with the whole situation. I was told by a representative that had a system glitch that had caused payment errors in the system. Before I heard back from them regarding his escalation ticket, they sent my account off to collections for " late fees ''. I called and spoke to a supervisor named XXXX that offered to knock off one of the fees if I would pay the other one, even though I had already paid more than the original cost of the case. I agreed to do it, but I told her I needed a receipt for payment. She said she could not send a receipt and hung up the call. TD Bank, according to their site, no longer finance for XXXX. I believe that they are scamming XXXX customers for additional monies because it is hard to hold them accountable.
Product: Checking or savings account

They closed my account out of nowhere claiming fraudulent funds were being deposited and demanded I send all my sensitive documentation to prove my identity and employment. I am who I say I am and am not fraudulent although they claim I violated the terms of my contract by being so. Not only did I prove my identity to them immediately upon request, but I have been in constant contact with them and have submitted my info on 3 separate occasions. They continue to claim they have not received such information and that it will take XXXX hours to verify upon each submission. It's been 11 days and I have not XXXX dollar to my name, no gas in my car, no food in my house, am about to lose my job ( ca n't drive ) and am XXXX  months XXXX. 

I have received the same pay from the same place upon signing up with this bank. They won't get me a supervisor to resolve the matter and are withholding all my funds for no good reason while making heinous claims about my honesty and integrity.
Product: Mortgage

I have requested paper work from citimortgage payment history from XX/XX/2005 to present with no avail. I was told by a company name XXXX XXXX  that they are now servicing my loan which I was not aware of. 

I requested for full payment history as well as pay off of loan to see all payments that involve prinicipal and interest estimated two weeks ago.. It was stated that it will be sent and it will not take long due to office being in area to ensure accurate information. It also appears my acct number is changed as well which concerns me being my main loan and this one is  80/20 loan harp modification loan. 

I made payment XX/XX/XXXX and was cashed by citimortg but XXXX XXXX states they don't have the payment from them. I have requested to citimortg to send them the payment as XXXX XXXX stated this is generally done but has not. 

I am frustrated because it appears that citimortgage have cashed this by my financial institution and payment for over a month now and may be causing me unnessary late fees and I want to ensure this is taken off my acct and reflected correctly.

I spoke to citimortgage and was transfer four times and spoke to someone name XXXX who continued to talk over me and instead of sending it to them has no real reason why they was holding monies who was supposed to be transfer to XXXX XXXX which was not. 

I requested for the agency that oversee mortgage lenders which is stated it was none which was not the case by the rep name XXXX. He needed additional training in all areas dealing with customers. 

Regardless of my serveral attempts to make sure my acct was rectified have no avail and would like this matter to be rectified and corrected with regards to any late fees and to ensure my modification and terms are honored. Thxs In advance any and all assistance is appreciated from your agency. 

Mrs. XXXX
Product: Credit reporting or other personal consumer reports

I have 2 collection accounts that have changed there origin date they are older than 7 years and should be off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   XXXX     I sent a letter disputing multiple inquiries to All credit reporting agencies including  XXXX . They responded sending me a letter explaining what a inquiry was. I again sent a more detailed letter outlining that I did n't authorize multiple inquiries on my report via certified mail and fax also on   XXXX   XXXX  . They again resent a letter explaining what a inquiry is. They have failed to respond t o two requests now to research and delete inquiries on my credit report that are inaccurate. T hese inquiries do not match any accounts on my account etc.     I sent seperate letter along with above in seperate letter and fax on same dates above removing incorrect addresses, employers, phone numbers and names. They sent me copy of an unchanged credit report both times with zero updates.
Product: Debt collection

My car was repossessed and I called my insurance to cancel my auto insurance. They did not cancel my policy and apparently continued to bill me. I never received any notice or bill from XXXX stating that they were still charging my policy until the collections notice appeared on my credit report. The charges should be removed and are invalid. I did not have possession of the car and I had already called XXXX to cancel my policy.
Product: Debt collection

I called the company today as I never received a call nor a letter to allow me to dispute this. Was told by the lady that answered the phone that they do not have to send a notice and can just place this on my record. Sent this to an address that I no longer reside at. I have no proof that this is my debt from 2017 and they are now trying to collect on.
Product: Credit reporting or other personal consumer reports

There are student Loans being reported on my credit report that the department of Education has placed on my credit report. My rights have been violated and I am insisting that the inaccurate accounts and information on my report be removed at once. The investigation process has not gotten me the necessary results so I must escalate to direct disputes with the Department of Education directly
Product: Debt collection

I have never got a bill are a statement are anything. Just I owe XXXX and its on my credit report. I have disputed 4 times and experian just keeps updating and leaving it on my report without any proof its mine. XXXX XXXX on social security I dont owe XXXX to a bank.
Product: Mortgage

In 2007 I had taken out a home equity loan in the amount {$100000.00} at a interest rate of 7+ % over a 30 year term at a {$690.00} per month payment. I still have my first mortgage, which is through the same bank, Citibank, which I am paying approximately {$1100.00} per month. I 've been trying for over a year to gain a modification from Citibank, because I am now XXXX years old, living on a fixed income. I 've suffered a XXXX over a year ago and had to let go of my second job, which limited my income drastically. My wife whose XXXX income is less than {$8000.00} per year is not able to assist me. This is my second time around in applying for a modification with Citibank, but they keep giving me the runaround, asking for the same documents repetitively. I feel they have no interest in helping me modify this mortgage. As a XXXX, I am requesting the CFPB to help me in getting this modification accomplished.
Product: Credit card

I had identified theft problems since last year XX/XX/XXXX US BANK has been working with my accounts for over 6 months I didnt here from us bank unless I called to follow up, then XX/XX/XXXX I found out my accounts were closed except my credit card which they kept my {$2000.00} savings account money?? Now that credit card has {$750.00} in fees & returned items fees?? Unwarranted charges & fees for fraudulent transactions.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Venmo and PayPal due to their failure to assist me in resolving a fraudulent payment dispute, which has resulted in both my Venmo and PayPal accounts being frozen. Despite my prompt actions to stop a fraudulent payment, I have been unable to access my accounts and have not received adequate support from customer service. 

On XX/XX/year>, I proceeded to make a payment through Venmo believing I was purchasing a generator from a trusted friend ( the scammer claimed the account they used was my friend 's cousin 's ). Shortly after, I discovered that my friends XXXX account had been hacked and that the transaction was part of a scam. Immediately upon realizing the fraud, I called Venmo customer support to explain the situation. The representative told me she would forward my case to a support team. Following this phone conversation, I contacted my bank, which placed a stop-payment on the transfer to prevent the funds from reaching the scammer. Instead of assisting me in reversing the fraudulent transaction, Venmo froze my account after taking {$13.00} that was in my Venmo account for the {$400.00} payment. PayPal subsequently froze my account as well, causing additional frustration and inconvenience. Despite repeated attempts to resolve the matter through customer service, my accounts remain frozen. In fact, PayPal emailed me to inform me that they suspended my account ( XX/XX/XXXX ) after I sent an email to the executive office of PayPal on XX/XX/XXXX, requesting to resolute the fraudulent payment dispute urgently. 

I have provided both Venmo/PayPal with supporting documents that prove my efforts to prevent this scam, yet my case has not been resolved. I am left unable to use my accounts, despite being a victim of fraud and taking immediate action to stop the payment.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my authorization. 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX Westlake Portfolio Management XXXX XXXX XXXX XXXX XXXX, CA XXXX Original Account Holder : Honor Finance , LLC XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX Dealership : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX, XXXX : XXXX To Whom It May Concern, This letter is a formal statement notifying the above parties that the accounts under the VIN # XXXX are being disputed. Last time I spoke to your customer service team I was met with unprofessionalism and verbal threats of legal action for the debt. Legally, your representatives are NOT allowed to use these tactics when dealing with collections. The vehicle was purchased XX/XX/XXXX and financed by Honor Finance LLC, repossessed in the state of Georgia, and sold by Westlake Portfolio Management. Under the laws of GA and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are REQUIRED to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 
If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 
Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system in or on the CFPB website. 

XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

{$50000.00} in limbo and no one can provide answersShame on Chase! 

I made two external transfers {$25000.00} each from Chase on XX/XX/23 to an online savings bank. 
Usually these transfers show up at the receiving bank in one day. I have made many of these transfers. 
When it did not show up at the receiving bank by XX/XX/23 I called Chase. After over an hour on the phone the rep finally learned from her supervisor that I was in the wrong department. I needed to be in the fraud department. I was transferred to fraud and after a lengthy explanation a complaint ticket was issued, I was told that the transaction could be reversed if I wanted. However, the agent suggested we wait another day and we agreed to call back if the transfer was not completed by XXXX. The agent said the complaint ticket number would get us directly thru to his fraud department. 
The next day the transfers were completed and received into the online bank. All good until today Today XX/XX/23 I got an email from Chase saying that one of the transactions was being reversed. Why? I never asked for it to be reversed. I called and was again on the phone for 36 minutes and several supervisors. I wanted to know why they were attempting to reverse the transaction when I had not authorized that. I also wanted to know what, if anything, was happening to the second transaction that was done of the XXXX. 
This supervisor was not able to answer any of the questions but wrote up another complaint requesting to escalate to a higher official. She would not transfer me up the line. She said someone would phone me within 48 hoursthat was her only option. 
I told her very clearly that I was not satisfied with that response. Well see if that happens! 
{$50000.00} in limbo since XX/XX/23 ( 7 days ) and no one can provide any details other than that someone will get back to me within 48 hours.
Product: Credit reporting or other personal consumer reports

I have XXXX account with PayPal. A PayPal credit and a PayPal XXXX XXXX. On the credit, I had a {$3500.00} limit. On the master card I had a {$2000.00} limit. I owed on both cards approximately 75 % balance. On the month of XX/XX/year> I completely paid both cards in its entirety. Leaving me with a XXXX balance on both. PayPal/Synchony bank decided to drastically reduce my credit limit on both cards to {$100.00} which is extreme. I understand the reduction in credit but that drastic is not fair. Especially when I have not been late or delinquent with their accounts. Ive since then reached out to PayPal and synchony expressing my frustration and concern with to remedy. Id really like my limits back to where they were and more if possible because Ive shown I can run up a bill and pay it off. Its not fair the way they drastically reduced my limit. It hurt my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had this App Moneylion on my phone, I made all the payments and wanted my account closed indefinitely once the loan was paid off. So, I called the company and requested to have the account closed they told me I needed to do the final payout on the app so I did. The amount was {$370.00}, I had it taken out of my account the same day on XX/XX/2019 the full amount posted to my account on XX/XX/2019. From there that account should have been in good standing and closed, there is a section on the App that still had leftover money in the form of " investments and cash ''. I tried to withdraw my cash and that is where the problem started. It wouldn't let me withdraw what was left over, it was {$76.00} in investments and {$2.00} cash. I then reached out again to support and they claimed that I needed to pay the membership fee to withdraw the money and I said no I don't my account should be closed, they then reported the FRAUDULENT FEE to my credit report of {$41.00} which now shows {$45.00}. 

They are SCAMMERS. I do not owe them any money, I demand the {$78.00} be mailed to me in a check and this account and any negative information associated with it removed from my credit report. 

I disputed this account with Moneylion, XXXX, XXXX, and XXXX  and they all came back verified, even with the proof that I have. This is why I am writing this complaint now. None of the companies actually did an investigation, because if they did they would know this is a SERIOUS ERROR IN REPORTING from the Moneylion scammers!!!!! Many people are going through the same thing and this should be investigated. I should not be going through this over a year later. I have disputed these charges time and time again with no resolve. I have proof of payment and this account should be REMOVED from my CREDIT REPORT IMMEDIATELY.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX