23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

I have been with Clarity debt solution company over three years. I was never told that there was a processing fee for over {$900.00} My credit cards accounts had been charged off by the credit card company and they still tried to negotiate on closed accounts. In addition on XXXX XXXX I call the company to cancel m enrollment with their company effective immediately and that they are not to withdrawal any monies from my account or pay anyone, that I wanted the full refund that I had in escrow. I was told by the company I would get a refund from 7 to 14 days I received an email 14 days that my account was closed on that day not on the day I had advised them to close it. Therefore they kept an additional $ XXXX dollars that was supposed to be refunded to me. This is outrageous that they cheat a XXXX XXXX XXXX woman from their monies
Product: Mortgage

On XX/XX/2021, I sent a message to my mortgage company, CMG Mortgage, that it appeared that they paid my annual property insurance bill, from my escrow account twice. Once in XXXX and again in XXXX. The amount paid twice was {$3000.00}. At that time, I was told to allow 7 -10 days to see the funds back in my account. 

On XX/XX/2021, I closed on a refinance and the loan at CMG was paid in full. I have not received the balance of my escrow account as today. 

Since then, I have followed up with online messages and phone calls. On XX/XX/2021, I was told that after some research, they discovered that that sent the first payment to the wrong insurance company in XX/XX/2021. So when they were notified again for payment by my insurance company, another payment was sent in XX/XX/2021. I was told by employee XXXX ( employee # XXXX ) to expect the issue resolved by XX/XX/2021. 

After not seeing any resolution, I called again on XX/XX/2021. I spoke to XXXX. He told me that they have not received any response from the incorrect insurance company regarding refunding the payment and CMG can not refund me until they receive the funds back from other insurance company. He said I could call the incorrect company if I would like. I told him that this was CMG 's error and not mine. They should not be holding my money hostage because of their mistake. They paid the wrong company, not me! 

I believe that laws are in place that any monies left over after payment are to be returned in a certain period of time. To date, my balance in my Escrow account is {$700.00}. Together with THEIR error, I am owed {$3700.00}. 

Please feel free to reach out to me for more information
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a hard inquiry removal to the companies and requested that they remove this from my account.They stated they could not find my account.
Product: Mortgage

I entered into a COVID-19 JOB LOSS forbearance program with US Bank XXXX that began in XX/XX/2021. I did not make a mortgage payment in the months of XXXX, XXXX, XXXX, XXXX, XXXX or XXXX. Over the six ( 6 ) month period I spoke several times with US Bank, via telephone regarding the terms of the forbearance program. I was advised to call US Bank in the fifth ( 5th ) month so US Bank could determine my options. 
In late XX/XX/2021 I had a phone conversation with US Bank. I was offered a mortgage loan modification, as follows : Modification terms Unpaid principal balance : {$110000.00} Payment : {$860.00} Interest rate : 3.125 % Term : 360 Maturity date : XX/XX/2051 First monthly mortgage payment due : XX/XX/2021 XXXX payment was made : {$860.00}, with {$130.00} additional principal = {$1000.00} Note : There is no lien on the property at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX payment was made : {$860.00} XXXX US Bank refused to accept payment. No explanation given, other than, I would have to reapply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Intent to file suit : violation of the FCRA Notice XXXX XXXX : XXXX am making this document on my only accord and will, no third party was used to make this notice. I have filed multiple CFPB COMPLAINTS this year about the organization named Transunion, XXXX, and XXXX, plus I sent previous letters, all by certified mail requesting that they stop furnishing inaccurate information on my consumer credit report and they have failed to do so. Exhibit A is attached, I can show a judge that these accounts are STILL inaccurate after 9 months of sending letters and filing complaints and that you violated the Fair Credit Reporting Act.
Product: Debt collection

Just recently I had the opportunity to retrieved a copy of my credit and a consolidated credit search was conducted and as a results there was rrightigjt away identifing what debt I hadhad and were actual mine. One of the account from the list is unfamiliar and I have no recollection of this HERBERT P SEARS CO for XXXX. I believe this is not a debt that I have owned or recollect. I should have received calls, or mail. I have contacted all accounts of debtdebt and have set up arrangement s, and payments.
Product: Money transfer, virtual currency, or money service

I filed a few complaints to far on how BlockChain treated me but as they have not compensated me yet, I have to keep filing new ones. 

Here 's what happened : I had set ALL possible security measures BlockChain has to offer : I obviously have a account password set, I furthermore set up XXXX with XXXX Authenticator, and I had additionally set up facial ID. 

Such secured wallet is necessary for me, as for work I travel and occasionally have to use XXXX. 

Implication : All this means that, for someone else to access my Wallet, they would have to steal my password, my phone ( XXXX ), get PAST the security on my XXXX (! ) to get access to XXXX Authenticator, AND MY FACE?? 

Right. 

Yet, BlockChain confiscated all my Crypto assets, worth over XXXX $ for over half month. 

When asked why exactly - NEVER have I gotten a response or facts, all I got was either nothing or terribly vague, non substantial assumptions. 
For over half a month. 
The impertinence goes further : I was then BLACKMAILED that ONLY would my crypto be released IF I would give up all locations I had been lately. 

Let me repeat that, as I can not overstate the significance of it : Instead of them asking : Hey, XXXX, we see an attempted access from location X and Y, was that you? as ANY other solution provider I use for Crypto DOES, they blackmailed me to fully give up my privacy ( which obviously they have no right to ) OR ELSE they would continue to confiscate my wallet. 

It means BlockChain was wrong on a technical level ( all security was in place ) on a moral level on a legal level, as they have no right hijacking my crypto UNLESS I gave up my privacy The frustration aside, I rely for my living on making money with crypto. For over a half month, that has been taken away from me. 

What all the above means is that BlockChain.com hijacked all my crypto, for over a half month, for no reason with personal financial implications for me. 
Such random XXXX XXXX practices call for XXXX regulation. 

It also means we have unfinished business as I have not been compensated for this brutal, unilateral, and uncalled action : Not for the wrongful confiscation of my crypto ( worth way over XXXX $ ) for a half month Not for the lack of income as I could not access, invest or use my wallet assets to make profit for a half month Not for all the time I have poured into attempts to recuperate my assets from BlockChain.com during a half month Not for all the times I filed complaints for all the above The claim to be a serious, trustworthy, accountable platform, comes with taking responsibility for ones misguided actions. 

The estimated ( conservative ) damage amounts to XXXX per week in my case ( portfolio ). 
Which means BlockChain owes me XXXX XXXX. 

As BlockChain by now has acknowledged their faux pas, and finally released most of my crypto, what I am asking is that they also take responsibility for the damage they have done. 

And I will keep reminding them, here and elsewhere, till they do.
Product: Debt collection

I keep receiving calls when Im at work and they also threaten me to call my employer and to verify I was at work. What kind of business is that? They call me during my work hours and threaten me to sue me, also that they will freeze my bank accounts and collect my wages.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

To whom it may concern, I am writing to dispute the accuracy of certain collection accounts that have been reported on my credit report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. to request the IMMEDIATE REMOVAL of these accounts from my credit file due to the failure of the collection agencies to validate the debt as required by law. 1. Failure to Validate Debt Under the FDCPA, specifically 15 U.S.C. 1692g, I requested debt validation from the collection agency for these accounts. As of today, I have not received any documentation or evidence that proves I owe the alleged debt or that the collection agency has the legal right to collect on it. Without proper validation of the debt, the collection agency can not legally report this account to the credit bureaus. 2. Inaccurate Reporting under the FCRA Under the FCRA, specifically 15 U.S.C. 1681i, all information reported to the credit bureaus must be accurate and verifiable. Since the collection agency has failed to provide proof of the debt 's validity, it is my position that this information is inaccurate and should be removed from my credit report. 3. Violation of Consumer Protection Laws By failing to validate the debt within the time frame allowed under the FDCPA, the collection agency has violated my consumer rights. I am requesting that the credit bureaus investigate this matter and remove the collection accounts from my credit report as these debts are unsubstantiated. Action Requested : I request that you immediately investigate the disputed collection accounts in accordance with the FCRA. If the collection agency fails to provide proper validation of the debt, I request that these accounts be permanently removed from my credit report. I also request that you provide me with written verification of the outcome of your investigation, as required by law. Please be aware that under the FCRA, you are required to complete an investigation within 30 days and provide me with the results in writing. If the collection agencies can not validate the debt or substantiate the accuracy of the reported information, I ask that these collection accounts be REMOVE from my credit file.
Product: Credit card

my wife applied for an XXXX credit card that had a sing up bonus of XXXX points after spending {$1000.00}. We spent the {$1000.00} and did not receive the bonus. I called XXXX and they said my wife had received the bonus 2 years ago and could not receive it again. My wife applied for this card for the bonus and XXXX should have denied the application if they could not honor the bonus advertised..
Product: Mortgage

I am writing to inform you that I was significantly affected by XXXX XXXX on XX/XX/XXXX, which resulted in power loss, food spoilage, roof damage, and other structural issues to my home. Due to the unavailability of generators, I had to purchase a {$1500.00} generator on the third day. In XXXX, I contacted Chase for mortgage assistance due to the disaster and was offered a forbearance until XX/XX/XXXX. I was assured that my credit would not be impacted and that no payments were required during the forbearance period. 

Throughout the forbearance, I received calls from Chase inquiring about the damages, and I also called multiple times to check on my mortgage status. I was assured that my account would not reflect any negative impact. On XX/XX/XXXX, before the forbearance period ended, I requested to resume my normal payments due to the stress of the damages and my desire to avoid additional stress. 

Around the same time, I received a letter from Chase and XXXX XXXX informing me that my loan servicing would be transferred to a new servicer on XX/XX/year>. I contacted all parties to understand how to handle the due payments, whether they would be added to the end of the loan or require repayment. However, I received no clear guidance. 

On XX/XX/year>, a delinquency was reported to the credit bureau, marking me as 120 days late on my mortgage, which caused my credit score and my husband 's to drop by XXXX points. This situation has caused significant stress, as I sought assistance from Chase to alleviate my burdens, only to face further complications. Additionally, with my mortgage being transferred to XXXX, I am uncertain about the mortgage modification process. Despite multiple calls, I have been informed that the new servicer can not access my information or documents until XX/XX/XXXX. I have received no clear resolution or guidance, only that my paperwork will be transferred to the other department. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Company repeatedly added inaccurate information to my credit report. Account do not belongs to me
Product: Debt collection

National Credit System added flagged my file as a collection. When in fact I do not owe anyone.
Product: Debt collection

I was in a debt management program and thought this debt was included. I wasnt aware that I still owed the balance until they reported to my credit report. No phone call, no letter in mail only sent to credit beauru and that is how I found out about the debt from XXXX. I asked them to remove from credit report and told me they didnt have to send me a letter. According to them and call was recorded that they didnt have to send me a letter in the mail. I am paying balance on XXXX but I need this removed from credit report. Company is National credit adjusters. They never notified me that it was sold to them or sent me anything about the debt to be paid or gave me an option to pay before it went on credit report. but they had a note that it was in a debt management program. XXXX collections and needs to be investigated I need this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a identity theft report twice to XXXX, Equifax, and XXXX and these fraudulent accounts and inquiries are still being report, I am a victim of identity theft I demand these unauthorized items be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my most recent consumer report, I noticed the presence of a bankruptcy entry that should not be included. Through my recent study of laws, I have become aware that the inclusion of this bankruptcy violates 15 U.S Code 1681 a ( 4 ) - Consumer Right to Privacy. It is my right as a consumer to have control over the release of my personal information, and your unauthorized disclosure is unacceptable.

I want to emphasize that I am a victim of identity theft, and the inclusion of this inaccurate bankruptcy entry further compounds the damages caused by the fraudulent activity. It is important for you to understand that there are legal consequences, both criminal and civil, for such actions. 

Thank you for your immediate attention to this serious issue.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau Had sold my house in XX/XX/2018, than few months later I received a check from my Mortgage company, ( Pacific Union Financial ) Balance of over payment of Taxes, Than I was out of the country on XXXX work and the check was placed in a drawer and 1 year was gone on this check, so my local bank said I need to just get the check re issued, so I tried contacting Pacific Union to get my Check ( money ) reissued to me, but I find out the Pacific union was bought out from MR COOPER, so I called them and they told Me no problem Mr. XXXX XXXX the check will be re issued, so 2 months go buy and still no check .. and today I called back the newly owned Company MR COOPER and they inform me that the money wont be re Issued because of a bankruptcy I had many years ago? and I said the house never was part of my bankruptcy and had nothing to do with this already issued check, and so I called my Attorney and was informed to Contact this agency. XXXX XXXX XXXX out of XXXX Wisconsin, I was informed even if it was anything to do with a bankruptcy it would get returned to the trustee. 

this Check ( XXXX dollors ) is My money Not Mr. Cooper, This is A check that already is a issued check from Pacific Union Financial Bank, closing statement on my personal residence house. the check is just now over 1 year old I was gone on XXXX work and went unnoticed. I asking for the Bank MR Cooper who purchased Pacific Union to RE - Issue this check, if not issued in a timely manor to pay me my added expense 's for my time and inconveniences to the law .. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX Make Check Payable to XXXX XXXX XXXX {$120.00} dollors -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Pacific Union Financial original loan holder now is MR COOPER XXXX XXXX XXXX XXXX, TX XXXX - XXXX Mr. cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Mr. cooper complaint address att. customer relations XXXX XXXX XXXX XXXX tx. XXXX Mr. Cooper phone - XXXX If you need any more information you can please e-mail my personal e mail - XXXX Thank you XXXX XXXX XXXX
Product: Student loan

Most of my student loans are held by Navient. With Navient, I currently have {$63000.00} in student loans ( and counting, as my balance seems to get higher every year with 4 % -14 % interest rates ). I 've been paying them steadily and for the most part uninterrupted and on-time since graduating in XXXX. I have been on an income-based repayment plan for the past 3 years, as the monthly payment they were asking me to make was ridiculous. My XXXX plan expired in XXXX, and after speaking with someone at Navient, I put a temporary forbearance on the loan so I could gather my tax information from the previous year and re-apply. I reapplied, and was rejected the XXXX plan, which made my monthly payment on this student loan ( I have a handful of very small ones ) {$540.00} per month- which I can not afford. The person on the phone told me " there was nothing they could do for me '' and that I needed to budget better -- which is infuriating, as I am a very well-organized, type-A person. I called back a few times, and have been told different things each time. One time I called and was told that they no longer do XXXX plans and I just had to make the standard payments. Another time I called and was told that I could do XXXX, but they would take into account : 1 ) my income, 2 ) my husbands income, and 3 ) my mother 's income, as she co-signed my loan 11 years ago when I entered college. This is absolutely ridiculous to me. I am a grown adult, married, not living with my parents, and have no financial ties to my mother, other than she co-signed my loan in XXXX. Why on earth is Navient telling me that my mother 's income will be included as a determining factor for my monthly payment? I know many people who are on XXXX plans, and their co-signer 's income/information is not taken into account. The most frustrating part of this is that every time I call I am told different information. The bottom line is -- I ca n't afford {$540.00} a month on top of XXXX other student loans, a mortgage payment, car payment, various insurances, phone and utilities. I would have no money left for food and gas to get me to the XXXX jobs it takes to try to chip away at these student loans. Yet they continually tell me that there is nothing they can do to lower my payments.
Product: Money transfer, virtual currency, or money service

Venmo froze my account while I was trying to link a new bank account to it. I can not transfer money out of Venmo, or use Venmo to send money as a result. 
I reached out to Venmo support FOUR times, two times through online chat, one time through phone call, one time through email, but their incompetent customer service never resolved the problem. Each time, they would promise to get it resolved or " escalated '' within 24-48 hours, but I never heard back from them. I was also asked to submit the sensitive ID and bank statement materials, which I did, but they never replied. I grew increasingly frustrated with Venmo. I need to get my money out of the Venmo account.
Product: Credit reporting or other personal consumer reports

XXXX is in violation of 15 U.S. Code 1681i outlines the procedure for disputing the accuracy of information in a consumer 's credit file, requiring consumer reporting agencies to reinvestigate disputed information and record the current status or delete the item. 

XXXX is violation of Privacy Act of 1974 ( 5 U.S.C. 552a ) by reporting the last 4 digits of my social security number and an old address, I've requested to be removed in XXXXXXXX XXXX 
The Privacy Act protects certain federal government records on individuals. In particular, the Act covers systems of records that an agency maintains and retrieves by an individuals name or other personal identifier ( e.g., social security number ). 

Due to the illegal selling and re-selling of this debt, the last 4 of my social security number along with my DOB is a PII [ Personally Identifiable Information ] is any data that could potentially identify a specific individual. 

I want it removed. 


Because this is a repeat and continuance, they should only have 15 days to respond instead of the usual 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out letters to XXXX, Transunion and XXXX on XX/XX/2021 about HIPPA Law Violation reporting on my consumer report. I have not received any response and its been over 45 days and thats a Violation. Also, XXXX, Transunion, or XXXX also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts for the HIPPA Violation and the bankruptcy after I disputed and they are suppose to enter the notice within 30 days and its been 45 days.
Product: Debt collection

On XX/XX/, I received a written notification stating that I allegedly owe {$1500.00}. I do not recognize the company that sent the notification nor have I ever conducted any business with them.