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

My account was used fraudulently to send numerous payments peer to peer as well as my information was used to open several financial accounts in my name with my given identity as well as my credit score and credibility were all tarnished for several years my tax return has been affected by this and cash app or block INC did nothing to repay nor did they even seem to care.
Product: Vehicle loan or lease

This car was completely totaled and even though I am trying to still pay it back. This car was used for XXXX and should be taken off the my report as it was totaled during a XXXX XXXX with passengers in it.
Product: Credit card

I currently serve as an XXXX in the U.S. XXXX. I wanted to bring to your attention to a cancellation of Servicemembers Civil Relief Act ( SCRA ) benefits by Barclays Bank on their XXXX that will likely put many servicemembers in a financial bind, and at the very least is an abuse of those servicemembers ' good faith and trust in Barclays as a financial institution and lender. 

A little over a year ago, I, along with many friends currently in XXXX, opened a Barclays Gold XXXX with an agreement that the SCRA benefits afforded to me would include a 0 % interest rate on both old and new purchases, balance transfers and cash advances ; no fees of any kind, which included waiving the annual fee of {$990.00} each year and charge of {$290.00} for each authorized user ; and no collection efforts. After reading that the waiver of annual fees was withdrawn from the offered benefits on XX/XX/XXXX, I wrote Barclays, on XX/XX/XXXX, to ensure this would not affect me as the terms of my SCRA benefits should apply prior to changes. In an email Barclays assured me that I would maintain these benefits until end of my XXXX period. Today, XX/XX/XXXX, I received a memo stating the annual fee would now be assessed each year, and I will be charged {$1200.00} dollars. I called and talked to Barclays ' management, who had the correspondence on record, and they informed me I would be required to pay this for the next billing period. 

I write this letter not to drone on about my financial burdens, as fortunately I will pay my balance and close the card to avoid yearly charges. I write because I know of countless servicemembers who were deceived by Barclays, offered extremely high credit lines, most in excess of {$25000.00}, with the promise of 0 % APR. When I asked Barclays management, on the phone, if they were aware the bind in which this will likely put countless servicemembers, they responded, " Yes, we are aware they are very upset. '' These servicemembers now face the decision to either pay their balance and close their credit card, possibly putting them in a position of financial hardship, or pay the exorbitant annual fee. I hope you can see why this is an abuse of both servicemembers ' trust and the spirit of the SCRA, which has long provided XXXX and Veterans a piece of mind in making financial decisions. I also hope that those who are XXXX servicemembers were not impacted by this blatant abuse of their trust.
Product: Mortgage

This complaint is in reference to PHH 's ( i.e., XXXX XXXX, Senior Liaison, Office of the President ) response to complaint number XXXX. In PHH 's response they referenced not being able count the interest paid because it was paid in arrears. PHH also mentioned that the information in their response could be found in IRS Publication XXXX. 

For this complaint I am asserting that PHH has misrepresented the information in their response and misrepresented the instructions found in IRS Publication XXXX for the following reasons : 1 : Arrears by definition means money that is owed or due and should have been paid earlier. For example : The 13th payment was made on XX/XX/XXXX in the amount of {$1000.00} for XX/XX/XXXX, any interest paid as part of that payment would have been for interest accrued until XX/XX/XXXX. Just because the payment was due In XX/XX/XXXX does not mean that interest associated with the 13th payment was paid forward for interest which had not yet accrued. If PHH is claiming that part of XX/XX/XXXX payment was used to pay interest for XX/XX/XXXX, a period of time for which interest had not yet accrued, then I believe this is a misrepresentation of the facts. 
2 ) IRS Publication XXXX specifically states on page 8 " The statement will show the total interest you paid during the year, and if you purchased a main home during the year, it also will show the deductible points paid during the year, including seller-paid points. However, it shouldn't show any interest that was paid for you by a government agency. '' The information I provided in complaint XXXX clearly indicates that all of the interest ( {$13000.00} ) was paid in XXXX. Therefore, as required by IRS XXXX, all of the interest paid in XXXX should have been shown on my XXXX for XXXX. 
3 ) IRS publication XXXX discusses prepaid interest on page 8. However, since interest accrues in arrears, no interest was prepaid for XXXX. The 13th payment was paid on XX/XX/XXXX. This means that any interest paid was for interest that had accumulated on the loan between the 12th payment ( XX/XX/XXXX ) and the 13th payment ( XX/XX/XXXX ) ; all interest being paid in XXXX and not prepaid for any part of XXXX. Any money that was paid early ( XXXX and prior years ) would have helped to reduce the principle balance and thereby reduce the interest that was estimated to be due at the time the loan was originated. So while the principle was paid in advance, the interest was not. There is no interest that was paid in XXXX that should be considered a prepayment of interest for XXXX. 
I respectfully request PHH to provide a revised XXXX that accurately shows the {$13000.00} paid in interest in XXXX, plus an additional {$150.00} to cover the cost of having my accountant file a corrected tax return once PHH corrects their error.
Product: Credit reporting or other personal consumer reports

I need your help with an incorrect account listed on my credit report, which has negatively affected my reputation. Your mistakes in managing my credit report have caused significant harm, and I urge you to remove these mistakes to allow me to live peacefully with my family.
Product: Credit reporting or other personal consumer reports

To XXXX XXXX  you conducted an investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and since that time the Squatter from XXXX XXXX XXXX XXXX XXXX he cash two XXXX escrow account checks in my name and I reported as Forgery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please confirm in writing, BELOW, I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  spoke 25 minutes she said we sent you a satisfactory of mortgage on XX/XX/XXXX and I am putting it in the system for you to pick up at any local branch. 

Please disclose
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theyre different loans reporting on my credit. The loans say closed but the late payments still hurt my credit score I have already turned in police report experian still wont erase from credit report.
Product: Debt collection

I had an auto accident in Michigan on XX/XX/year> which is pure no-fault insurance state. I have insurance coverage through XXXX, and the other party to the accident had insurance coverage through XXXX XXXX. My carrier paid me for the damage to my vehicle, and XXXX XXXX paid its insured her property and other damages from the accident. I believe around summer or fall of 2023, I started receiving collection correspondence and calls from Seattle Service Bureau , Inc. dba National Service Bureau ( NSB ) to collect a subrogation debt from XXXX XXXX property protection coverage of {$10000.00} that was paid from XXXX XXXX to their insured ( who was the other party to the accident ). XXXX informed me that subrogation is inappropriate due to XXXX pure no fault law. I called NSB upon receiving their first notice and spoke with an individual named XXXX XXXX. I asked him to confer with XXXX and provided him with my claim #, insurance information, and the contact information of the XXXX rep handling my claim. He indicated he would deal with this directly with XXXX going forward. I received several more debt collection calls and written correspondence from NSB from there, despite these collection calls being wholly inappropriate and illegal since each party to the accident had their own no-fault insurance coverage through their own carriers. I ignored these calls and correspondences up until about a month ago. I spoke with a new NSB rep, XXXX, who I informed I would not be paying them and to stop calling me since I had coverage and Michigan is a no-fault state. XXXX threatened to file a tort complaint against me with the State of Michigan since they had no indication I had insurance coverage and that my license would be suspended or revoked. She claimed I gave them the wrong insurance claim information when I spoke with XXXX XXXX which is not true. I then re-provided XXXX with my insurance and claim information and the contact information of my XXXX rep. I then called my XXXX rep and informed her of the distressing threats of a tort claim against me and the harassing nature of these collection calls on a debt I do not owe to NSB or XXXX XXXX. She called XXXX of NSB back and spoke with her so that NSB would deal directly with XXXX regarding their wrongful debt collection claim. This was a few weeks ago. Now, on Saturday, XX/XX/XXXX my mom who lives at a completely different address received a message on her landline from XXXX XXXX of NSB to collect the XXXX XXXX debt against me. Now NSB is harassing my family about a debt I do not owe in order to embarrass and further harass me. I informed XXXX that NSB is continuing to harass me about collecting a debt I do not owe. This needs to stop. Today, my XXXX XXXX sent a denial letter to XXXX XXXX about their wrongful subrogation claim and also spoke with a rep at NSB to inform them of the denial letter. I am concerned that XXXX will continue to harass me and my family and wrongfully put a collection account on my credit report.
Product: Debt collection

I have continuously tried to dispute this account. I have asked that Portfolio show ownership that I had this account and they sent nothing but a bill, I later reached out to them and asked them provide anything else and they didn't respond. I have sent a complaint already to Cfpb and Porfolio has failed to meet the requirements asked of them. I sent a letter on XX/XX/2018 asking them to cease contact with me and remove items from mu credit and they sent me a settlement letter.
Product: Credit reporting or other personal consumer reports

Dispute Experian and Equifax for the false investigation into this matter after it was reported.

Dispute

of Improper Reporting of Charge-Off Accounts and Unauthorized Accounts. These actions violate FCRA and IRS regulations regarding the treatment of charged-off debts.

Under IRS Regulation 26 U.S. Code 6050P, creditors who charge off a debt amount as taxable income to consumer- Cancellation of Debt. The debt is no longer legally enforceable and can not be reported as delinquent or due.

Once creditor has written off the debt as loss and claimed a tax benefit. Reporting charge-off debt as active or delinquent is a violation of federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed accounts reporting Active, Late Payments each month, Closed, and Charged-Off. All are reporting incorrect information and improper credit status, in violation of FCRA and IRS regulations 26 U.S. Code 6050P
Product: Debt collection

This account is undoubtedly recorded as a charged-off account. Kindly also produce documentation to ensure all the charges and credits in this claimed account that drove to the quite high credit amount you might have indicated on my credit report. My request to supply this documentation is a standard information demand based on my privileges approved with the fair credit billing act. Please make sure you straight away eliminate this erroneous post.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for credit at XXXX and was denied by a credit reporting agency XXXX XXXX. A company I have never heard of. I was being denied, because the person applying was deceased. Im very much alive, and well. I contacted XXXX XXXX on XX/XX/2018. They didnt know who they were either, and they told me that I needed to contact XXXX. I ask them why when it was not XXXX  who gave them the report. They had no reasonable answer. I was given a XXXX number for XXXX ( XXXX ). This not XXXX number, but someone trying to sell various products.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX Cybersecurity website on XXXX XXXX,2017 see if my credit report was impacted and it was according to XXXX Waited until XXXX XXXX 2017 to  enroll. Did that XXXX XXXX said I would receive a confirmation email that night. TODAY is XXXX XXXX  2017 called to ask about confirmation email was hung up  on Twice before I got the third Rep who did n't know anything. I think XXXX XXXX is just giving me and other consumers the run around with the Monitoring Service it  is supposed to be offering!!!!! In the mean time my Credit is  suffering severely. I have XXXX great open accounts with 100 % payments and over XXXX credit inquiries from same companies In short time spans. I disputed these inquiries in XXXX XXXX 2017 confirmation # XXXX. They came back as factual record of file access. Of course it 's going to come back as factual if MY PERSONAL INFORMATION has been hacked!!!! This has profoundly affected my credit score, bank accounts having to get new cards, credit cards being opened up that I do n't, having to call creditors to give them new card numbers and ability to receive credit. I want all unauthorized injuries removed from all three credit bureaus.Documents can be provided upon request. ALSO credit bureaus need to find another way to verify Your Identity instead of having the consumer send copy of driver 's license and social security card!!! 
Thanks XXXX
Product: Mortgage

On XX/XX/2018 XXXX of our our mortgage loans transferred to a new company ( specialized loan servicing ) that had purchased our mortgage without us being aware. We paid XX/XX/XXXX and XX/XX/XXXX payments to the old company. On about XX/XX/XXXX the new company locked us out of our house and changed the utilities. They placed a sticker on the inside window of the house stating they had changed the locks and shut off the utility. When I called the phone number on the sticker they refused to give me the mortgage companies name/phone number. My wife called the mortgage co and they refused to give us access to the house till we paid XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX payments on both houses, even though we had already paid. They never filed any legal processes or gave any notices. To this day, almost a month later they still have not given us a key to the house and have placed 60 day late notices on my credit report even though we are current, and even got refund checks from the prior mortgage company. 

They illegally locked us out, they illegally entered our house, they illegally shut off our utilities and opend up water lines causing water leaks in the house, they illegally put marks on my credit report for 2 mortgages and when I call them they refuse to fix it.
Product: Mortgage

In XXXX, my husband and I were both laid off from our jobs and our home went into foreclosure. The sheriff 's sale was XXXX XXXX, XXXX and we were able to redeem the property on XXXX XXXX, XXXX. We were able to get a loan from XXXX XXXX XXXX, XXXX, MN XXXX for {$35000.00} and in the loan settlement, XXXX made the payoff to the Sheriff of XXXX XXXX, MN. We applied for a refinance loan with XXXX in XXXX on XXXX XXXX, XXXX. Around XXXX XXXX, XXXX, the mortgage loan officer called to tell me that when the underwriter pulled the credit reports, it showed a past due amount of {$15000.00} owed to Chase Mortgage and XXXX needed a letter from Chase stating that we did not owe them any money. I contacted the foreclosure lawyer, XXXX XXXX with XXXX XXXX XXXX, XXXX XXXX, MN XXXX and he said he would contact Chase and get it straightened out. On XXXX XXXX, XXXX, I contacted XXXX XXXX again and he had not heard back from Chase. I asked him for a contact name and number at Chase so I could follow up on this and he told me that he could not give out that information. I then found a phone number on the internet and called Chase on XXXX XXXX, XXXX. I received a call back from XXXX XXXX with the Escalation Department and he requested proof that we redeemed the property. I faxed him the Recorded Document Sheriff 's Certificate of Redemption from Foreclosure, the Settlement Statement from XXXX XXXX XXXX showing that they paid it off, and the Payoff Figures from XXXX Co Sheriff 's Office. XXXX has called me back every week since this time to give me an update, but all he tells me is that they are working on this. He told me it would take until the end of XXXX before they would get this cleared off our credit and I would not get the letter until then. He could never answer my question as to why this was not taken care of in XXXX. It 's been 5 years and it is ridiculous that it should take a month and a half to get this off of our credit and for them to write the letter so we can go forward on the refinance loan. More than likely our interest rate will increase because it has taken so long and our locked in rate has expired. This never should have happened to a consumer.
Product: Credit reporting

I have a loan pending with XXXX for a refinance. Since XXXX, XXXX inquiries have been made by XXXX and Equifax Mortgage Services on behalf of XXXX. 
I never authorize excessive credit checks by XXXX and Equifax Mortgage Services on behalf of XXXX. 
This is action by the lender and the credit reporting service is unethical and illegal. Please have them remove the excessive inquiries from my credit files ( XXXX, Equifax and XXXX ). Thank you.
Product: Money transfer, virtual currency, or money service

I opened an account with Venmo on the XX/XX/2024. I received a direct deposit of {$31.00} they instantly suspended my account after accepting all the requirements and documents i needed to identify me.i linked my bank accounts and they said I did it successfully and now they won't let me have my money still today is the XXXX of XXXX .and they sent me a Venmo debit card and I can't get my money with that either my bank loaned me {$50.00} and I was going to pay them back with my Venmo account and this feature was very helpful and because of Venmo they took that option away and I still owe them while they add {$1.00} Everytime they check to see if I have the funds to pay back the loan.and also I worked XXXX weeks for that money
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$1400.00} Open balance XXXX XXXX XXXX Original creditor Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$1400.00} Open balance XXXX XXXX XXXX Original creditor I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California XXXXtop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following accounts a-re violating my rights. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 602 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY INSTRUCTIONS.