23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hope this letter finds you well. Over the past several months, I have noticed a pattern of late payments on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out multiple of disputes several times, explaining to the credit reporting agencies that they are violating FCRA laws and not doing their job with my disputes. 

Please have them remove this negative accounts immediately, ACCORDING TO FCRA everything has to 100 accurate on my credit report. 

15 USC 1681 section 604 : consumer agencies can not furnish any account without my written instructions ( wet signature. )
Product: Money transfer, virtual currency, or money service

Hello, Venmo has frozen my account without any explanation at all. They are demanding I send them a scanned copy of my drivers license along with a picture of me holding my license. 
I tried to make a payment to a friend on XXXX XXXX and my account was frozen. 
Venmo will not offer any sort of explanation at all and has locked my account, which has money in it. Money that I can not access or transfer to my bank. 
Any help would be appreciated. 
Thank you.
Product: Prepaid card

I received a pre-paid Amex reward card in XXXX with a balance of {$100.00}. I was only able to use {$51.00} because Amex began charging a monthly fee of {$2.00} starting in XX/XX/XXXX, before I even made my first purchase with the card or activated it. The card balance is now {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported a derogatory account against me in the form of a charge off as of XX/XX/23 in the amount of {$1700.00}. these marks are hurting my ability to get a mortgage at this time. 

JP Morgan has reported a charge off as well on 3 accounts I believe that these negative marks were reported without proper permissible purpose as defined under 15 US Code 1681b ( a ) ( 1 ) ( 2 ), 15 US Code 1681a ( 2 ) ( b ), and 15 US Code 1681e ( b ).

Based on my understanding of the permissible purpose law, I do not believe that the late payments and charge offs were reported with proper permissible purpose. I would like to request that you investigate this matter and provide proof that they had a permissible purpose to report this information. If they are unable to provide such proof, I request that they remove the negative marks from my credit report as required under 15 US Code 1681e ( b ) .asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an 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 XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I temporarily removed a credit freeze with Experian so that I may receive approval of a credit card. After approval I attempted to reinstate my credit freeze, which I have been unable to do. Impossible to talk with anyone at Experian. It appears they offer an upgrade to freeze my credit at a cost, which does not sound right, or legal. I wrote to them, at which time they replied with a one year fraud alert, which I did no ask for. On XX/XX/XXXX, I again sent a certified letter to them, pleading for them to freeze my credit report. As of today ( XX/XX/XXXX ) my credit report is still unlocked. 

I find it very upsetting to have my credit report vulnerable which I feel like I am dealing with a brick wall. Although I might be confused with the terms on their website, I clearly see that my credit report is UNLOCKED, but that I can upgrade for a fee. 

I hope you are the correct agency to deal with this. Thank you for your help.
Product: Debt collection

Send out the original documents that shown us the original amounts on this debit because we known this item was sold and paid off itself.
Product: Consumer Loan

Fair collections and outsourcing is wrongfully reporting on my credit bureaus. i 've sent requests registered mail to the bureau three times to investigate and they keep concluded that the account is valid, but in over 3 months of sending letters requesting proof that the debt belongs to me and it is a debt that i signed for with this company, to date no proof has been furnished. i sent an email to the company on XXXX XXXX, 2016 demanding proof straight from the source. i stated if you can not supply me with proof of this debt please remove the debt from my credit bureaus. i received a response from XXXX XXXX stating that she would investigate and get back in touch with me. i have received absolutely nothing i even sent a follow up email and i 've received no response. this is not my debt and they have it unfairly listed as a collection on my credit and i want it removed. i need to find a new residence and this is severely hindering the process and i could soon be homeless. where are the rules and regulations that govern these lying thieving companies from imposing undue and unfair negative information on well to do consumers. where is the justice. what is FCRA if it is useless and the laws and regulation by which they govern these entities are a big joke?
Product: Money transfer, virtual currency, or money service

i sent XXXX XXXX  to XXXX XXXX XXXX but i can not get it.
Product: Student loan

I had a multiple loan installments or just multiple loans with my servicer Mohela, I fully paid 3 of my loans on XX/XX/XXXX and in one of them I overpaid and currently have a negative balance XXXX . I called 3 times asking for a reimbursement of that balance the first time they said that 60 days have to happen to process that credit, after 60 days I called two times and told me that the credit will be processed and reapply for a remaining loan. Currently on the loan where my balance is XXXX $ is stating that I have to pay XXXX on XX/XX/XXXX, I don't understand where is this balance coming from on a fully paid ( or overpaid loan ). 
I have a clear history of payments provided by Mohela, the loan servicer, but they do not provide a clear history statement on past months that can help explain this balance the servicer want to charge me. 
Is my clear understanding the servicer is making a mistake on charging me XXXX $ to be deducted on XX/XX/XXXX and also is a clear mistake to not reimburse the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Unverified Account DEPT OF EDUCATION/XXXX  Account Number : XXXX 2. Unverified Account DEPT OF EDUCATIONXXXX Account Number : XXXX 3. Unverified Account DEPT OF EDUCATION/XXXX Account Number : XXXX 4. Unverified Account XXXX XXXX XXXX Account Number : XXXX 5. Unverified Account XXXX XXXX  XXXX Account Number : XXXX has violated my rights. 

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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.
Product: Credit card or prepaid card

After XXXX XXXX from the military ( 20+years severed ) and another 16 years working as an XXXX  in the corporate world. I as looking to find something I could do to earn money at home. After some research I received a email about an exciting and new way to earn money legitimately online at home. Initially for sign up and entry into the 21 step program a fee was required. It was advertised to bring big back end commission payouts with out handling any packages, talking to people or directly selling to the customer. Also once the customer signed up a phone sale team was present to handle all of your leads through process. The process was to guide the buyers through a funnel to arrive at the back end for the big payout earned, but first in order to sell the XXXX products a fee was required to buy the license rights to sell. The compensation for the largest payouts and your hard earned lead potential commissions to be pass by and above you, constantly up sold at every turn to position your self to get the back end payout you earned. The best and highest position at the time was to become a Diamond Consultant. A fee for each step Titanium, Platinum and then Diamond, highest was required for best possible position for earning big commissions. The opening of the DISCOVER credit card-XXXX in the amount of {$10000.00} was opened for this reason. To fund the amount of money needed for Diamond membership. Primarily we were guaranteed that this proven system would pay for the money invested with in the first six to eight months. The continued earnings of money ( income ) would then be used to reinvest and grow the company. However the proven system failed to produce what was advertised. Sales did not occur thus the ability to pay the card became increasingly difficult. I was told I would be making more at a rate enough to payoff my investment with in a year and continue to live a comfortable lifestyle. Quality Traffic as we were advised to use was not cheap. I discovered FTC caught on to this companies operations and shut the whole company down ( see FTC attachments ) Close to an overall of {$110000.00} out and a return of only {$4000.00} even with all the additional work I was doing like XXXX XXXX Ads, webinars and XXXX ads in addition to solo ads did not help. I need help! After shut down of XXXX, no service, no products I bought, licensing rights to sell those products, the phone sale team, coaching assistance, member network, website and it services non existent. I have used my savings and about to loose my home and its belonging, this has cause grave hardship and I am lost as to what to do. I need help asap.
Product: Mortgage

Due to a recent refinance, LoanCare has my loan. In my opinion, they use a coercion mechanism to deny customer the right to a postal statement. In particular, I can't see any online statements at www.myloancare.com, unless I agree to accept 'estatements ' thereby losing my right to a postal statement. 

Result, IF the postal statement is wanted ( it is ) then looking up the statement online, is barred by LoanCare. 

FURTHERMORE, they do NOT mail the postal statement timely. I want to pay the loan by the XX/XX/XXXX of each month ( 10 days early ). I typically don't have their postal statement, AND I can not look up the eStatement online either. The result is I have no statement at all, neither electronic nor postal, when I'm ready to submit payment ( typically the XX/XX/XXXX ). 

I've had MANY mortgages ( and credit cards ) in my life, and never experienced this type of blockage against postal statements, NOR blockages against looking up statements online. 

All attempts to resolve this with Loancare fail absolutely. They are uniquely unhuman and unhelpful. Now they changed my statement headers to " XXXX '' apparently moving my loan servicing to another subsidiary. The tight timing to my objections, suggests they changed the company name on my statement, to 'cover their tracks '.
Product: Student loan

I have spent years trying to work with XXXX XXXX and now Navient to pay an affordable monthly payment. I can not understand how they can base my required repayment on my gross income amount, without taking my monthly expenses in to account. If I received and my gross monthly income, I would n't be in this situation. I 'm exhausted with the process of submitting paystubs and paperwork, only to be sent a Repayment Plan in an amount that I simply can not afford. I originally borrowed about {$26000.00}. As of this date, they state that I owe over {$40000.00}!! I 've requested forbearances because of their unwillingness to work with me to provide an affordable monthly payment. These forbearances only accrue outrageous interest, which in the end, does nothing at all to help me payoff this loan. In this economy, why should I be paying over 7 % in interest?? This is unfair, nefarious, greed that has ruined my credit and caused many sleepless nights. I feel like they have me just where they want me and as long as they can play this evil game, they can continue to accumulate thousands and thousands of dollars. I truly need your help to stop this abusive behavior because I have no idea how to resolve this matter.
Product: Mortgage

I have money form my property that was sent to the state of Illinois as unclaimed and Chicago Title sent the money to the state and placed mistakenly placed another company on the check. I have tried for two months to get this resolved and Chicago Title will not sign the documents releasing the funds with out me having a form notarized which does not require a Notary, therefore no notary will sign the form.
Product: Credit card or prepaid card

Citi claims that when I opened an account with Best Buy in XXXX, I agreed to a debt protection program. I was not aware of my enrollment in this program. I noticed the recurring fees for this debt collection program on my statements. I called for an inquiry and was told that XXXX is when I was accepted for the card and agreed to the terms of the debt protection. The fees just from XX/XX/XXXX to XX/XX/XXXX add up to almost {$100.00}. The only response I received was that they would cancel the program. I requested a copy of my enrollment documents and the contact information for who I may ask for a refund of the unauthorized charges to my account. The service representative stated that the information would be included with my enrollment documents that would be mailed to me ; however I do not believe such information will be included IF I ever receive proof of my enrollment. After some research, I see that Citi faced backlash in the past for the same fraudulent practices. In XXXX CitiBank was ordered to refund over {$700.00} XXXX dollars to its consumers. As I have been an account holder since XXXX and CitiBank claims I enrolled at that time, they should have remedied issues such as this in XXXX. I want a refund of all charges related to debt protection on my CitiBank Best Buy credit card account from XXXX to the present.
Product: Debt collection

I have disputed this account with the credit bureaus and PROFESSIONAL FINANCE COMPANY, and I have never received a single letter from them. This is a violation of the FDCPA and FCRA. I HAVE RIGHTS. I do not know who they are or why they are on my credit and they are required BY LAW to send me written notification of debt.
Product: Debt collection

I am being harassed methodically about a debt that was created with accounting fraud and bank fraud, pursued with threats, mail fraud and wire fraud, and which continues to be pursued by US Bank which largely just got rid of regulatory issues with CFPB and FTC falsely claiming to have dropped the dispute. At this point, I continue to be contacted offensively constantly. Reference has been made to the bank continuing the false claim that there was a basis for the debt, in self absorbed gross misconduct XXXX that continues to have as its only substance generating criminal disturbances by every method possible with the bank. 
Which was told to cease and desist collections and refused to do so or cooperate with dispute debt collection law, or any other law as of XXXX/XXXX/15 and since, and cease contact entirely, at which time the bank started contacting me constantly demanding I " cease contact with the bank ''. 

Which continues to have no substance but criminal disturbances conducted like an orgy that has no end, and appears to have changed my residential mailing address because it has to cover up how brilliant it is living possible next door in my apartment building. 

I need my US mailing address removed from the abuses of US Bank and its employees, particularly for tax information I reportedy can no longer get on line, and for any other purpose by US Bank. I need US Bank removed from its continuing harassment of my XXXX mail at the Post Office I have been using for years, and the war it has created with postal employees who keep redelivering refused US Mail that US Bank keeps sending back. 

Reference to refusing to drop the dispute happened as a slip to CFPB repeatedly. 

Its responses to CFPB are no different from the contact with me, which is the sole substance continues to be an orgy of gross misconduct criminal disturbance damage infliction. 

It continues to falsify inflammatory claims to third persons to manipulate the no examination of the claims made, which are massively repetitively fraud, and so a criminal event escalating in severity as an orgy. 

I am continuing to be threatened about fabricated debt and forced illegal criminal harassment contact by US Bank by every method possible and working third persons including the XXXX US Post Office.
Product: Checking or savings account

On XXXX, XXXX, 2021 I was scammed into sending {$500.00} to someone advertising that a room was well kept and that my deposit would be returned to me. After realizing my error on sending the funds through XXXX XXXX, I had immediately file a claim with Wells Fargo to retrieve the funds back. After 10 business day, I received a notification stating that they were denying my claim as the were associated with Cash app and that they could not help me. I reached out to XXXX XXXX  about filing a case and was told that there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month my heart sank when I looked at my credit report and found out that my score had plummeted from between 825 to 840 to just above 600. After some investigating, I found out that TD Bank had reported me delinquent on something. I say " something '' because to date neither myself or TD Bank can tell me why this report was made, how to correct it or what department to contact. One agent even told me TD Bank owes me money!. I have spent hours on the phone trying to contact credit reporting agencies and TD Bank but the pain persists. Strangely enough, the negative mark went from a loss (? ) to being late and my credit went up but again but only to XXXX as there is still a negative mark where again, NO ONE CAN TELL ME WHAT ACCOUNT, WHY, WHEN or HOW TO CORRECT IT. I have written every one I can think of and can not get this corrected. I looked online and saw at least hundreds of others experiencing the same circular XXXX involving TD Bank even see a report of them settling a class action suit in 2016 involving ruining innocent consumers credit and am wondering how they can be allowed to reap so much ruin on consumers with impunity? 

Any help will be greatly appreciated!
Product: Checking or savings account

On XX/XX/2019, I attempted to open a CD at Ally Bank online. For no apparent reason and inconsistent with prior practice, they declined to immediately open the account, tabling my application for an indefinite period. Because of their inaction, I withdrew the application. 

Approximately a week later, my husband, with whom I hold several joint accounts at Ally, successfully opened and funded an identical-type CD at Ally online, with an immediate decision and no delay. 

My husband and I have essentially identical banking and credit profiles. Yet Ally discriminated against me by treating my attempt to open an account differently than they treated my husband. 

Furthermore, Ally 's Executive Resolution staff has ignored my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX