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

Venmo suspended my account on XX/XX/2024 after I attempted to transfer {$400.00} from my Venmo account to my bank account. They seem to have no problem with me adding money or being sent money, only when I want to access it is there an issue. I got an email saying I needed to verify my identity with a state Id, even though my identity has already been successfully verified on the app with my driver 's license. I feel like I'm being robbed.
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to documentation signed application with my wet ink signature, consumer is not asking for an e-oscar report, if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap, SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be filing form 211 treasury omb forms to audit consumers account. EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), 15 USC 6801, 15 USC 1681 section 604 ( a ) section 2, 15 USC 6802 ( b ) ( c ), USC 1681C ( a ) ( 5 )
Product: Mortgage

In XX/XX/2020 my wife and I closed a refinance of the mortgage that had then been on our home. Our first payment was due on XX/XX/2020 and I had planned to make it on XX/XX/2020 knowing such payment would be applied as of the due date. In the intervening time COVID-19 struck and the federal government issued a variety of guidelines for mortgage loans owned by XXXX and XXXX. I confirmed my loan was owned by one of the XXXX and decided to seek a forebearance as I was concerned about income from my part-time practice of XXXX. Months later my XXXX practice income had become non-existent and my wife and I decided we would seek to exit forbearance since we knew what our base income would be. After multiple attempts to get our servicer 's attention we finally received a proposed loan modification with almost no time to review its terms prior to signing before a Notary. After some time I finally had a chance to actually review the numbers and found them to be less than accurate. Since I spent 27 years in financial services I have a bit of experience in this regard. When I contacted my servicer, Quicken Loans, to express my concerns I was then told not only were the figures accurate but the post-dating of an escrow analysis was being added to the mix. I have now contacted the CEO of Quicken 's parent as well as my US Senators about this problem. As many servicers do, Quicken uses the XXXX XXXX garbage system now known by the acronym - XXXX. I worked with the system in a one of its prior incarnations as XXXX/XXXX  - it is literally an ancient system which XXXX XXXX and its predecessors try to keep " current '' by adding a lot of middleware and exporting data. Clearly, their IT staff are largely clueless in terms of actual business knowledge however Quicken staff treat what I have already concluded, in my actual expert opinion, as erroneous is embraced by them. The net effect of this is that I am unable to effect an intelligent review of what I've identified by anyone at Quicken and am hopeful you can be of assistance in this regard.
Product: Mortgage

XXXX years ago we filied chapter XXXX our house was not included, we got a divorce, our son moved in the house, XXXX years ago citifinancial stop receiving a payment, told my daughter in law they was receiving a payment from bankruptcy courtcourt, I told her it was not included in bankruptcy, well XXXX months later, bankruptcy is over, citifinancial is demanding XXXX or they going to foreclosure on the house, citifinancial says no payment has been made in XXXX months, you ca n't talk to XXXX person every time she calls you get a different person and a different story. It 's very frustrating, my ex husband went to see our attorney that did our bankruptcy we had XXXX unsecured loans that we believe they have attached to the house loan and maybe that XXXX in the amount of XXXX unsecured loans. Attorney was no help he wants my ex to file bankruptcy on house.citifinancial says they have till XXXX XXXX to pay XXXX then they will foreclosure on house, they said they do n't have to run it in paper they own it and its there 's, they have been really nasty to my daughter in law about this. I feel someone at citifinancial messed up now trying to get there mistake corrected is the problem.XXXX years into our bankruptcy I got XXXX months behind, citifinancial sent us letter, attorney, and court, they was going to take us back to court have bankruptcy lifted so they can foreclosure on house, I had to pay XXXX payment a month for XXXX months to get caught up, so why did they wait XXXX months, it makes no sense. Citifinancial ca n't answer that question, someone messed up at citifinancial and now we my son might losshis house. Please help us or lead us in the right direction on what to do.
Product: Checking or savings account

Around XXXX of XXXX  my information was stolen & my account was fraudulently accessed & funds were dispersed into the account & removed. I notified TD bank immediately within XXXX business days of this fraudulent activity. I came in person to the XXXX, NJ branch to report this activity. They reported the activity, and also confirmed that it was not my signature on the check. I called for months seeking updates on this matter, however I was told to keep waiting. I recently got a letter stating that they sent the debt to collections which was around {$4000.00}. The debt collector is XXXX XXXX XXXX. TD still has failed to properly investigate the matter. A signed affidavit of forgery has been completed & still no progress.
Product: Mortgage

I am XXXX military. I 've had a mortgage loan with PHH since XX/XX/XXXX. I 've never missed a payment until last year. In XXXX of last year I found out my husband was XXXX from the military and I would be the only XXXX with a job and we have XXXX kids. I contacted PHH ( XXXX XXXX ) in XX/XX/XXXX to request aid with my load. She had me fill out some forms and submit tax returns, pay and bank statements. Since then we have gone back and forth. She continues to ask me for the same forms and documents I 've already submitted multiple times. She will tell me that 's all she needs and my case will be submitted but a month later she sends me an email asking if I still want to do a deed in Lieu request and again asks me for the same forms again. This has been happening for almost a year. My husband got out in XXXX of last year and I started missing my mortgage payments. My credit is ruined and my deed in lieu of still has n't been submitted. I 've contacted her supervisor ( XXXX XXXX ) and she had XXXX XXXX contact me again ( a month after I contacted her ) asking for the same things I 've sent at least XXXX times. I 'm stuck and do n't know what I can do. No one can be this incompetent of they must be playing with me so they do n't have to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021
Product: Credit card or prepaid card

Called XXXX ( DISCOVER ) to cancel card. Clerk refused simple closure request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Bank XXXX XXXX XXXX XXXX XXXX XXXX Subject : Concerns About Privacy Violation Dear Santander Bank, I hope this letter finds you well. I am writing to express my concerns regarding what I believe to be a potential violation of the Gramm-Leach-Bliley Act ( 15 U.S. Code 6802 ) XXXX which governs the disclosure of nonpublic personal information by financial institutions. I have been a customer of Santander Bank for 1 year ( s ), and I appreciate the services you provide. However, I have recently become aware of a situation that has raised questions about your compliance with the privacy protections outlined in the aforementioned legislation. Gramm-Leach-Bliley Act ( 15 U.S. Code 6802 ) ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the nondisclosure option. consumer can exercise that After reviewing my credit report ( s ) from XXXX, XXXX and XXXX, I discovered that Santander Bank reported late payment starting on XX/XX/. According to Section ( C ) of the Opt out section of Gramm-Leach-Bliley Act ( 15 U.S. Code 6802 ) Santander Bank should have provided me with an explanation of how to exercise my right to the nondisclosure of my personal non-public information. As a customer, I value my privacy and my rights under the law to protect my nonpublic personal information. The Gramm-Leach-Bliley Act is in place to ensure that financial institutions maintain the privacy and security of customer data, and I trust that Santander Bank will adhere to these regulations. I kindly request that you investigate this matter and provide me with an explanation of how Santander has complied with the privacy provisions of the Gramm-Leach-Bliley Act. If there has been a breach of privacy or a violation of the law, I would for Santander Bank to remove my personal information from XXXX, XXXX and XXXX. Also, I would like an explanation of how Santander Bank will prevent similar occurrences in the future. I look forward to your prompt response to address my concerns. Thank you for your attention to this matter, and I trust that Santander Bank will take the necessary steps to ensure compliance with the Gramm-Leach-Bliley Act and protect the privacy of its customers. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Issue has be on going for almost 6 months with no real resolution insight. Fifth Third Bank closed my account and is keeping my money for their investments use but will not return my money nor give me access. 

XXXXSigned up online for checking account and funded the account {$500.00} via online from my bank account. XX/XX/23. Received email stating my debit card had been activated, though I never received the card. Called customer service about unauthorized debit card activation, was told to come into a branch to verify my identity. Informed them that is was not possible because I live in KS and the branch they suggested was in Indiana. XX/XX/23 Received letter in mail stating the account would be closed. XX/XX/23 Called customer service about deposit being returned due to the account being closed. During the call I was transferred to local branch in Indiana, and was giving the same irrational answer of flying into Indiana just to show someone my ID even though I have no account with them at this time. 
XX/XX/23 Called customer service to speak to upper management about situation only to be transferred back to fraud department. Representative informed me of the option to email ID and SS to get verified by Indiana branch. Rep said she would note my account of the matter so Indiana branch manager could better understand the situation. Called Indiana branch never spoke to branch manager because called was screened by a rep who rememberer my call from months ago of same issue. Indiana branch refused to accept their own suggested solution of emailed copies of verification. 
Bank still wants me to fly out of town to go into branch to show a teller my id. Upon showing my ID, I still wont get my funds on demand because they will be mailed by check in 7-10 to my home in XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items 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. 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 XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX ; XXXX XXXX XXXX : {$8600.00} ; XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Debt collection

To my surprised I discovered that the original creditor has and now sent to the Collection agency has violated both the FCRA and Fair Debt Collection Acts. Originally, Uplift from a previous CFPB acknowledge that this was deleted from my XXXX credit. However, since then they have not only re instated this fraudulent activity. They also, sold this Account to XXXX XXXX XXXX XXXX. XXXX XXXX has without prior notice reported an amount of {$320.00} to my XXXX and XXXX credit report fraudulent as well. I would like to notice the Uplift has act contradictory to the laws. They have harassed me and tried to bully me into providing personal information about myself. It is clear that they are acting in desperation. They can not obtain information to synch me to their claims and they have no written authorization from me that says this is my account. When I refused they became excessive and fraudulent. And they have re enter a deleted non reporting on XXXX. Previous CFPB # : XXXX
Product: Debt collection

I was contacted by phone, with a threat of criminal prosecution if I did not pay the amount in question, on a loan I know nothing about, did not apply for or receive, and have never received any bills for - and they would not provide me with any of the details about the alleged loan - hanging up on me several times over the past XXXX days. 
They are threatening me with criminal prosecution - something that could destroy my career, clearly trying to frighten me into paying the {$630.00} in question - an amount I could have paid at any time, and which I have considered paying to make this go away - even though, as I have said repeatedly, I did not take out this loan, and if XXXX was taken out, it was done fraudulently.
Product: Credit card or prepaid card

Citibank is refusing to proceed with arbitration regarding the terms and conditions.
Product: Debt collection

I received a notice on XXXX XXXX that I had something in collections. After reviewing it, I contacted the debt collector, LRS , Inc., to get more information. I initially spoke to XXXX, who said the original creditor was XXXX. I asked for all information pertaining to this debt to be sent to me in writing. He said it was sent to me in XX/XX/XXXX, which I never received. I asked if it was sent by certified mail to which I received no response. The debt shows the original creditor as XXXX XXXX XXXX, not XXXX as XXXX stated. 

There are multiple issues with this debt. It combines XXXX medical bills ( {$400.00} & {$65.00} ) into a total of {$460.00}, which should not be reported to the credit bureau since it is under {$500.00}. 

Also, the date of service for this debt is XX/XX/XXXX. Therefore, the debt collector did not wait the required XXXX year time period before reporting the debt. 

These medical bills also pertain to a personal injury matter that is still pending litigation. I am not sure why the original creditors sent this to collections in the first place.
Product: Debt collection

Requested detailed information for this debt did not receive they are reporting SW Credit Systems Then I guess sold to XXXX XXXX or vice versa They are both reporting the same amount but unable to get any information of exact details of the debt.
Product: Debt collection

I had the judgment for this debt vacated in 2011 against XXXX and now this new company is contacting me about the same thing.
Product: Debt collection

I am writing to file a complaint against XXXX XXXX and Credence Resource Management for their failure to comply with the requirements outlined in 12 CFR 1016.7 regarding the form of the opt-out notice. 

Background : I am a customer of XXXX XXXX and have recently received communications from Credence Resource Management, a debt collection agency, regarding an outstanding debt. As a consumer, I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 

Issue : The opt-out notice provided by US Cellular and Credence Resource Management does not comply with the requirements set forth in 12 CFR 1016.7. The notice fails to include all the necessary information and does not provide a clear and conspicuous means to exercise my right to opt-out of certain information sharing practices. 

Requested Action : I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against XXXX XXXX and Credence Resource Management for their non-compliance with 12 CFR 1016.7. It is important for financial institutions and debt collection agencies to adhere to the regulations set forth by the CFPB to protect consumers ' rights and ensure fair practices. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Chrysler Capital Auto loan paid off in full. 

XX/XX/2020 XXXX XXXX. USPS Certified mail receipt for delivery of Payment XX/XX/2020 Chrysler Capital posted payment with effective date of XX/XX/2020 even though the date of receipt of payment was XX/XX/2020 as per USPS receipt. 

XX/XX/2020 XXXX XXXX. I sent message of inquiry about the date difference, no answer XX/XX/2020 XXXX XXXX. I sent a second message complaining about the non response XX/XX/2020 XXXX XXXX. I called Chrysler Capital and spoke with a person who identified himself as XXXX XXXX, who stated they de did not know anything and it looked like the payment was posted appropriately. I asked him if I could email him proof of receipt on XX/XX/2020 and he said no. 

I have mailed a letter of Complaint to the President of Chrysler Capital today.
Product: Debt collection

so i pay XXXX to this company, after a few attempts to get a proof of debt, i receive the same bill 4 times. none on them explain the amount own, so for almost 3 month i been dealing with the collection agency to get a refund of the amount i already pay, because they couldn't proof the i own the amount.
Product: Credit reporting or other personal consumer reports

There is a public record showing on m report that is causing an identity mix max error on my credit report and it is being reported from ( XXXX XXXX/sage stream ) I do not have an agreement with XXXX XXXX nor sagestream to report any of my private information to the credit bureau on my behalf. I called the us district court and they could not provide a case in my name for reference, called my local municipal court and they could not provide a case in my name to reference either while they are not members of the credit bureau nor do they report anything to the credit bureau all case information has to be paid for an you must be a party within the case to post case information publicly.

This information that is showing on my credit report needs to be DELETED '' from my consumer report as this is a direct violation of the fcra, and violation of the local rules for U.S. District Court
Product: Credit reporting or other personal consumer reports

I file a complaint after the company refused to furnish credit report to bank as requested. I sent my driver 's license to Equifax on several occasions and they are refusing to update my credit file with the accurate information and when they do they change it or remove it from the system. I can't even log into my account that shows my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax takes more than a week PAST the date that XXXX  and XXXX  updates their trade lines on consumers credit reports. XXXX and XXXX are timely and update their tradelines on the same day each month that the creditor updates the balances. However, EQUIFAX is now more than WEEK behind and is reflecting outdated balance on my credit report, and they trying to blame the creditor even though the other 2 creditors have the correct information. The representatives I spoke to are totally incompetent, and the online for to submit a dispute is BROKEN! This credit bureau should be closed down!! Terrible!
Product: Debt collection

On XX/XX/XXXX, debt for XXXX XXXX paid in full to original creditor XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX, located in XXXX, IL ) in the amount of {$1300.00}. During call, it was understood that the debt would be pulled from the creditor as the issue with securing payment was due to a glitch in XXXX 's payment system, as confirmed by the office manager " XXXX. '' Also on XX/XX/XXXX, I was given information on the collection agency hired to collect this debt - IQ Data International , Inc. XXXX suggested that I provide that agency with the receipt she emailed me standing as proof of the amount owed as paid in full. 

On XX/XX/XXXX, contacted IQ Data International and spoke with a collection agent regarding the debt being paid in full. Prior to this day, I had received no mail from IQ Data in regards of the debt. The collection agent stated that 1 ) he did not believe I paid the debt in full directly to the creditor ; 2 ) that I would need to send a dispute letter to IQ Data, and 3 ) if I did not want the debt reported to the credit bureau, he suggested that I also submit a payment to him on behalf of the same creditor. At that time I requested 1 ) a business email address to submit a dispute letter and receipt from creditor as proof of payment and 2 ) I stated that I would not also submit a payment to IQ Data for the same debt that I paid in full with the original creditor. The collection agent continued on, trying to collect what would be a second payment from me and proclaiming that it was the only option if I wanted to debt to not be reported. Eventually, I ended the call and promptly emailed the letter of dispute and proof of payment to the email address supplied by the collection agent. 

On XX/XX/XXXX, I received email notification from XXXX regarding an adverse change to my credit bureau. Upon checking I discovered that XXXX XXXX had reported the debt to the credit bureau after full payment had been received by the original creditor on XX/XX/XXXX.