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

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which mandate the removal of fraudulent or unauthorized items from a consumer 's credit file. 
Affected Accounts : US DIST CT - XXXX - XXXX - {$00.00} US BKPT CT AL XXXX - XXXX - XXXX - {$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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently reviewed my updated personal credit report and observed that unauthorized credit inquiries persist on it. Subsequently, I reached out to these companies, requesting the removal of their credit inquiries from my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I asked to put the company in my debt management consolidation loan company and they said they don't work with those companies. The loan is allot higher than I expected. I'm working with XXXX to pay my debt off. Amplify won't work with them
Product: Debt collection

The best service company has inaccurately reported on my credit profile that I owe {$420.00} On an account that I do not own. 
Date XX/XX/2021
Product: Credit card or prepaid card

My credit card company is harassing me with excessive holds on my account. They lock the card before and after every purchase. I feel like they are discriminating against me for some reason because they completely ignore my requests for a credit limit increases, even though I have good credit. 

I recently changed my address and phone number, so they locked my account again and required me to send in proof of my ID and social, they said my account would be unlocked immediately after they received the documents They received the docs yesterday at XXXX XXXX ( Tracking Number : XXXX ) but i still have not been able to use my card.
Product: Debt collection

Skagit Bonded Collectors of XXXX XXXX, WA is trying to collect a debt that was submitted my XXXX XXXX XXXX XXXX of XXXX, WA. The debt was allegedly accrued in XX/XX/XXXX. I filed Bankruptcy after that date and XXXX XXXX XXXX XXXX and Skagit Bonded Collectors were both notified by myself as well as the bankruptcy court of the proceeding. The matter seemed to have been dealt with and removed from my credit report. 

Once again XXXX XXXX and Skagit Bonded Collector 's have reared their ugly heads and turned this debt over for collections again with the knowledge that this debt has been written off in Bankruptcy. Once again, I have emailed both of them and followed up with a written correspondence and went as far to call someone at Skagit Bonded Collector 's, but the debt is clearly on my credit report again. This is illegal and both these companies know this. Maybe they are trying to cause problems knowing that with the COVID situation that I am unable to resolve this issue by going to court myself. 

I have in my posession a collection letter from XX/XX/XXXX trying to collect this debt on behalf of XXXX XXXX as well, I have a new letter from XX/XX/XXXX trying once again to collect this debt. 

Thank you for any assistance you are able to lend with this matter. 

XXXX XXXX XXXX
Product: Checking or savings account

I received a promotional card in the mail to open an account put {$1000.00} in and leave it in for 6 months and get a {$200.00} bonus. I did this and never received the bonus. The offer was received in XX/XX/2021. 
I spoke to the girl that opened the account and she said she did not know what happened and never got back to me. I asked to speak to the branch manager and never got a response. I closed out the account in XXXX it was making me too upset to deal with them. 
I want someone to know what is going on with the scams and the horrible customer service from Citizen 's Bank XXXX XXXX XXXX in XXXX ct
Product: Mortgage

On XX/XX/XXXX, Suntrust did an escrow analysis for XXXX projected year and failed to include the monthly escrow to be paid for XX/XX/XXXX. The payment was not due until XX/XX/XXXX and was timely paid in full. Defying logic, Suntrust showed  actual escrow payment for XXXX XXXX as {$0.00} but included XXXX XXXX escrow as {$660.00} ( as estimated ). So, they do estimate XXXX even though not yet due when the analysis is performed, but they estimate XXXX will get paid? The result is to project a starting actual escrow balance for XX/XX/XXXX which is {$660.00} below what the actual escrow will be. In effect, they only included 11 escrow payments in the analysis. The result is a {$320.00} escrow projected shortage ( below 1/6 annual total escrow ). In reality, the escrow they will collect will cause an overage of more than {$300.00} above the minimum required escrow. 

On XXXX XXXX, XXXX - after XXXX payment was made including {$660.00} to escrow - I spoke to a Customer Service Rep who tried to dismiss the escrow as just an estimate and that it won't affect my payment. False. Eventually, they agreed to have the analysis re-performed. I spoke again to the not helpful Customer Service department and they said the XX/XX/XXXX analysis was done correctly and that it doesn't matter that I made XXXX payment and escrow. They could not explain why the estimated XXXX escrow would be made and could not take into account that XXXX was actually paid. This is also a change in practice to how they estimated escrows in XXXX. 

It seems Suntrust is trying to systematically miscalculate escrows to hold excessive balances in violation of applicable law. Please investigate the above concern for both my account and for all accounts similarly situated.
Product: Checking or savings account

From : XX/XX/XXXX - Current date I have a debit card from Venmo that declined mid transaction while paying for my meds at a XXXX XXXX. That alone is already XXXX  ) Embarrassing in itself and XXXX ) inconvenient to everyone around so I apologized and went back to the line while I figured out the decline. Couldnt log in to account to check what was wrong. Called Venmo customer service and they said my account was closed for violating their terms or policies I said okay whatever because I refuse to waste time nowadays with these companies arguing on why or what happened because they know they have monopoly and I already know they wont tell me the reason that caused violation or broke policy. What I did want were my funds to either be released to the bank I had attached on file or my card reactivated and unblocked so I could withdraw my funds that I had on there. Instead of getting this over and done with I have been forced to wait XXXX days for an XXXX XXXXXXXX a which sounds like a joke job position by the way because how many XXXX XXXXXXXX does it take to help you with your account you ask? Apparently XXXX because I have been passed by XXXX different account specialist who have all asked me for my ID to be sent, photos of my with my ID, proof of address, etc. The Email thread is so long it looks like I am in a group company email or group chat with all the names in the header. At one point one of the specialist addressed me under a different name or different user and said my balance was below XXXX cents and could not do anything to help me. That alone was a concern because that is not my name first of all so that is not me and you must have me confused with another Venmo user? So that alone is already is a breach of personal information and a violation of privacy. I am not going to suffer and have my funds be held XXXX for apparently XXXX days because of suspicious activity or violating services when the company themselves seem to be mishandling customer personal information by getting them mixed between customers as well. And they also keep expecting me to provide verification of my self by uploading photo of me holding ID, proof of address ( which i did every single time ) only for them to keep repeating what I already was told in that my account was closed and it was violating policy. Verbatim. Ive very reasonable and would understand if the money being held was either pending or under review from a dispute but i have been cleared from any dispute or pending anythings. It is money I worked all day for and during XXXX degree weather and it isnt much but its enough to pay for medication that is not covered by my insurance and medication that I should have already taken and paid for XXXX weeks ago. But glad Venmo would rather see a customer theyve had since XXXX go into a manic depressive episode from the lack of meds than release my funds.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any erroneous accounts from my credit report. Would you mind examining the documents? The presence of inaccuracies in some listed accounts is causing me discomfort.
Product: Vehicle loan or lease

On XX/XX/XXXX I contacted Santander regarding the XXXX XXXX XXXX which was repossessed on XX/XX/XXXX spoke with XXXX, a Supervisor from Santander. 

XXXX advised me that the vehicle was sold on XX/XX/XXXX in the amount of {$11000.00} at a private auction. I proceeded to inquire about my personal belonging, I made several attempts to XXXX XXXX to recover my things no one never called me back. XXXX assured me that he will call XXXX XXXX and conference me in due to the extreme hold time in regards to my personal items. I never received a call back. 

The next day I wrote a letter which was sent via email and mail to Santander regarding how the repossession was handled and how I was never contacted by them or notified of the sale and that this is a violation of Georgia state law. 

As of today I only received a generic system generated email.
Product: Mortgage

i have been working with Chase bank on short sale packets for over three years. In the last 9 months I have submitted all the paperwork they need ( which is a huge amount of information ) at least XXXX times. Each time they have me change an item and resign and resubmit or if they do n't get to the packet within a certain amount of time I have to resubmit everything with updated pay stubs. They have also assigned my case to about XXXX different people and each time those new people want more or different information. I believe they are stalling or dragging this process out for some reason. I am XXXX and it makes it very hard to deal with this because of different time zones.
Product: Debt collection

I had medical debt that was put in collections and when I requested a validation of the debt ; they sent me documents containing my medical records. This is a huge violation of Hipaa, so I demanded that the collections be removed from my credit report because of damages, but they never responded so I am now reporting it to the cfpb.
Product: Credit reporting, credit repair services, or other personal consumer reports

On DATE I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within days gives a reason to immediately remove those items from my credit report it had been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

XX/XX/XXXX i recieved a voicemail on my landline phone and it said that it was attempt to collect a debt owned by portfolio management group and that it was a debt owed from an payday advance loan done from XX/XX/XXXX. I was trying to ask for more information regarding this loan. And i had to wait 30-60 day for the sheriff to knock on my door to give me a notice to appear in court. And that it was the 2 time he goes knocking at my front door.. 

I was like yeah right the sheriff would leave a notice or something or even talk to me while i was in XXXX but no communication from anyone regarding this debt. No statements sent to my home address " NOP '' any phone call before this first time " NOP '' any wage garnishment or levy from court or FTB " NOP '' SO IS THIS  A FAKE DEBT OR NOT : '' '' '' '' '' First -- i have never taken out a payday loan or a loan ever. Ive would always be denied because of insuffient income and no revolving bank account, and no direct deposit account That would be the main reason for never being granted a payday loan or a loan. 

I have proof that i make {$150.00} per month from employer and i get paid per month and its a paycheck. 

No bank account to be able to have direct deposit to show reccuring deposit into bank account Knowing that i cant pass loan process that is why i dont apply for them anymore. So I was XXXX when i heard i owe from a payday loan and even worst that it was from XXXX to XXXX i was like XXXX. 

SO THEN i was told to call a number ( XXXX ) to then a lady said that they only do payday loans max amount is XXXX. 

Like XXXX from XXXX to XXXX to XXXX And i told her that it wasnt me who took out a payday loan but she could only do is note the account and transfer me to this number ( XXXX ) that just had me on hold for 2 hours and 49 mins. To just hear that i will be getting a call in 24-48 hours.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

A checking account was opened with Discover in my name despite having a security freeze in place with all three credit bureaus. Discover stated the account will be closed. I have since placed a freeze with XXXX to prevent future fraudulent bank accounts. When I initially had my identity stolen a few years ago, I was not made aware of this additional site to freeze, and did not realize that banks don't use the credit bureaus for checking accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on TransUnion with my name, in which is being reported inaccurate let alone no inquiry to support its a legitimate account of mine. Account has no inquiry to support the account. Due to error and inaccurate account TransUnion has failed to provide information of proof account belongs to me. TransUnion has no document or contract to verify the account. Ive reached out on numerous occasion by phone to TransUnion and they have transferred me to different departments in which there staff has not been pleasant to resolve the matter.
Product: Credit reporting or other personal consumer reports

I have not been able to access my TransUnion credit report for months, both online and over the phone. The phone system does not recognize names. The online system just changes my password but I still can not access my account. I have been trying to freeze my account since the last major data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was refinanced but company reported a late payment to XXXX, account information was wrong.
Product: Debt collection

I have had no business transactions with Rfgi ( rozlin financial group, inc ) and they are sending me repeated emails to collect money. I have never done any business transactions with this company. I dont have any contract with them. They have no legal proof or proof of review of any collections account by an attorney. They are harrasing me by sending multiple emails for the money which I never owe them. I dispute their claims that I owe them any money. I have never done any transactions with them. I dispute their debt claims.
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 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 funish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, others than records of convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s-2 ( A ) ( 1 ) A person shall not funish 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 innacurate.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the accounts listed below have violated my rights as a consumer. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX | account # XXXX XXXX XXXX| account # XXXX XXXX XXXX | account # XXXX XXXX XXXX | account # XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX |Account # XXXX XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX| account # XXXX XXXX XXXX XXXX | account XXXX XXXX XXXX XXXX XXXX account # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my husband sent {$1800.00} through XXXX from his XXXX banking app. To my Bank of America account. Which we do transfers through multiple times a month. This time it did not go through immediately, although it left his XXXX account right away. And showed the transfer was complete. When going onto my Bank of America app it showed under the XXXX tab as pending for up to 3 days. I immediately called the bank as Ive never seen this before, and they assured me it would go through within 5 days and to call back if it doesnt. 5 days later I still didnt have the money and Bank of America seemed to be confused and had know idea why it still said pending, but assured us that they didnt receive the money from XXXX, so we needed to contact them. My husband called XXXX and was told the money was sent and completed and gave us the confirmation code they had, and said the only option was to file a claim as fraudulent. Which he then did. I called back Bank of America and was transferred multiple times to different departments and supervisors who all had no idea what to do, other then say they never received the money from XXXX and as I was the receiver they could do nothing and was told to have my husband contact XXXX again. So I then called XXXX directly to try and get an answer. They basically said they would do nothing for me because we transferred using our banking apps, not the XXXX app, so we needed to contact our banks, and transferred me back to Bank of America. Who again seemed very confused about the issue and said they could do nothing for us. We contacted XXXX XXXX again and was told the claim was being looked into and they would give us a credit of the {$1800.00} back into our account while they continued the investigation. Which a few days later we did get the money back into the XXXX account, and thought the issue was resolved. A week after that we received a letter from XXXX saying the claim was closed, and showed no fraudulent acts, so they were going to be removing the {$1800.00} from the account in 5 days. We called XXXX back amd was told the claim was closed, because the money showed sent, and there was nothing they could do. After multiple conversations with different supervisors we again were told it wasnt there issue and there was nothing they could do. Calling Bank of America again they said they didnt receive the money and didnt know why it showed pending and could do nothing for us. After a month of going back and forth between banks and multiple calls, we are still out our money. Bank of America says they dont know why but still seemed to try and look into it. As XXXX washed there hands with us and said theres nothing they could do and that was the end of it.
Product: Mortgage

during covid XXXX  my mortgage payments were suspended for 3 months. after 1 month I started paying my mortgage and have been current for 3 years. 
Truist Bank has used those payments and applied them to unapplied funds. which now total over {$120000.00} and have not applied these payments to my mortgage. 
I have tried to correct this with them for over 3 months and they continue to say they are having internal audit problems. 
I have not receive the XXXX  year end statement because of this they claim they will send but have not.