23daVinci/CFPB_Complaints huggingface dataset:
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 on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I was out of town for work with no car and I got hungry, so I ordered food from XXXX through XXXX. Upon arrival of the food, I discovered the steak was too raw for me to eat. I was afraid I would get sick if I ate it. I tried at least 5 times to call the restaurant itself and never got through. So, I called Chase to make a claim and they gave me my money back. Yesterday ( XX/XX/XXXX ), I went to get myself something to eat at the end of the day and my card declined. When I went into my Chase account, I discovered that two months later, with no warning or anything, they decided to take all that money back out of my account, leaving me hungry and with only {$1.00} to my name when I should have had {$100.00}. I called them today and talked to the claims department and she told me there was nothing they could do because I didnt return the food. As I said, there was no way for me to because I didnt have transportation and I couldnt get a hold of them. Now I am stuck here with no way to eat and no way to earn money because the only way I was earning money was through XXXX and now I cant even afford one gallon of gas. This is not right. Not right AT ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this agency on  XXXX   XXXX ,   XXXX  . The information on my credit file states I had a car loan with them, when I never had a loan with them. The date they state I opened a loan is the same date I opened my loan with   XXXX   XXXX  ! Who is currently my finance company and always have been since  XXXX ! I attached copies of my   XXXX   XXXX   doc uments! Proving Santander consumer company was never my finance company and I still possess my vehicle! I am a victim of fraud! I have contacted my lawyer then fbi! Santander consumer is fraudulent!! They are keeping me and my children from home ownership!
Product: Mortgage

I have been seeking to modify or resume my mortgage payment with Selene # loan XXXX since XX/XX/2002. I have been actively asking for anexplanation regarding my current mortgage balances. 
The extremely high loan balance is being use as a post mortgage payment to which Selene claim is that I do not qualify for a modification. My current mortgage payment with taxes and insurance is XXXX. I am able base on my current income to resume mortgage payments. 

Base on Selene finance I owed over XXXX XXXX, after my inquiries and disputes asking for a justification of figures with detail explanation. Selene later made some corrections to their figure and my balances was lowered to XXXX XXXX without any explanation or figures. 
my original loan amount was XXXX. Selene is refusing to provide me with any numbers as how they came up with the current figures of over a million dollars which Selene is using to qualify me for a COVID mortgage relief modification. I am being denied base on theses figures but yet I have no idea how they derived at the figures. 
I am currently seeking modification due to illness from COVID and the laws that created hardships.During COVID there were rules, laws that we had to follow this directly cause hardship because being, along with only essential workers permitted to leave there home created real hardship. Along with the above .tenants were told not to go to work and not to pay rents. Landlords could not evict. Tenants but currently lenders are allowed foreclosed due to circumstances that was beyond our control. 
I am asking for help to get Selene to be fair with their figures as it relates to my current loan balance.when it was lowered what was the reason and why I am being refused a detail breakdown as to why after al these years my mortgage has increased instead of decreased Selene is pushing me to contact who took the original loan from XXXX XXXX. XXXX is informing me to go back Selene because the loan was sold. I am just being push around by these 2 large corporations. 
In the mean time I am being contacted by all sorts of company who only trying to get money from me claiming that they can help, not knowing who to trust after several attempts to modify and being denied to high post modification payments but was never given the figures I XXXX  and is asking for help to resolve this matter. 
Please contact me XXXX XXXX for any additional information at XXXX.
Product: Debt collection

XXXX XXXX XXXX sold my information to midland credit mamgement. 
THIS is a violation by FCRA act
Product: Credit card or prepaid card

I have been a Nordstrom cardholder since XXXX or XXXX with excellent payment history. In late XXXX, I was financially impacted by the Covid Pandemic. I contacted Nordstrom Card services and requested a financial hardship. I was enrolled in the fixed payment program as requested. The payments were structured to a feasible amount, {$170.00} to be paid monthly. In addition, the card was closed, and interest rate was 0 % as part of the terms and conditions. I paid as agreed upon. 

Fast-forward to XX/XX/XXXX, I am unenrolled from the hardship program. I view my account online and note that I owe {$640.00} as a minimum payment due on XX/XX/XXXX as well as I incurred {$280.00} in interest charges. I contacted Nordstrom card services on ( 3 ) different occasions ( 2x on XX/XX/XXXX and 1x on XX/XX/XXXX ). I was advised that the program was only for a term of ( 1 ) year ( which was not disclosed ) and I would have to wait ( 6 ) months. Furthermore, no one could provide an explanation as to why I would the enrollment was only slated for ( 1 ) year. I explained that I am still experiencing the same financial hardship as last year and I cant afford to pay the debt obligation. However, I could continue to pay {$170.00}. No solutions were provided. I attempted to speak with their recovery department. I left a message and did not receive a call back. I asked to be transferred to the recovery department and was advised that because my account is not in charge off status, they will not speak with me. I was also advised by Nordstrom Card Services that I could call back when my account is ( 2 ) months past due. 

I am seeking hardship assistance with Nordstrom. I was enrolled in a hardship program that allowed me to pay the debt obligation and maintain a positive credit rating. 
Nordstrom Card Services is utilizing predatory tactics to squander funds out of consumers that are experiencing financial hardship, in oppose to offering solutions to assist. Nordstrom is charging an exorbitant amount of interest, fees, and waiting until the consumers credit report is adversely affected before allowing the consumer to seek hardship options and then will not remove any delinquencies ( when it could have been prevented ). 

I would like for a senior account manager/executive to review my account and enroll me in the fixed payment program.
Product: Money transfers

Venmo is a money transfer application that withdraws money from one bank account and deposits it in another. There is a social media element to it, as people can publicly post what the money is for. After the XXXX embargo was lifted, my boyfriend, sister and I thought it would be great to surprise my father with plane tickets for his birthday. I transferred my boyfriend {$400.00} to cover the tickets for my family members, referencing XXXX in in the post as to what the money was for. I received an email that my transfer was being reviewed per OFAC regulations - apparently the reference to XXXX brought up an issue for National Security. 
I replied to the email, stating that we had since decided, for completely unrelated reasons, to change the trip from XXXX to XXXX ( The XXXX tickets that were on sale, which we initially were going to purchase, would have put us on XXXX for less than 24 hours. We chose to visit a city in the US where we could have a FULL weekend instead- XXXX , GA ). However, Venmo representatives continually stated that they needed my OFAC license or a detailed itinerary before they could refund the money. I can provide neither of these things, because Im not GOING to XXXX anymore. Its been 6 days and they still have not transferred or refunded the money. It has been taken from my bank account, and is being held in limbo out of my control. Attempting to explain this situation, I have called the customer support center, but apparently the 'compliance ' department that reviews money transfers like mine is unavailable by phone. They can only be reached by email. I am frustrated that the emails request the same, non-existent documents over and over again and I have no other way to speak to the compliance department. The money has basically been stolen for an overly extended period of time, with no refund date in sight. I filed a customer service complaint with the XXXX, and tried calling one more time to see what could be done, but to no avail. It is for this reason that I am hoping the CFPB can help me. Please look at the methods and services being implemented by this company ensure that they review threats timely. This is not a National Security team ; its a group of venmo employees playing recklessly with funds that are n't theirs, and it should not be allowed to take place this way with no first hand information or contact available.
Product: Debt collection

Based on information and belief, this not my debt. I have requested over and over for verification of the alleged debt. They have never sent me the verification because they keep changing the Collection Agency. Now they continue to call and make threats to me
Product: Credit reporting, credit repair services, or other personal consumer reports

The response from Quality Recovery Services indicated and agreed with my complaint that instead of correcting their error they made in wrongfully placing derogatory collections on my credit report they simply reduced the amount. Once they accepted that they had made a mistake as I was allowed to move out without penalty, the should have immediately COMPLETELY REMOVED the derogatory collections and send me a new bill. I never refused to pay {$330.00}, they just simply never invoiced me but instead chose to skip the invoicing step and illegally placed {$330.00} on my credit report!! 
They also indicated that the refused registered mail was simply asking me to provide evidence that I do not owe the reduced amount, the amount they never billed me for separately, once they found they had made a mistake! I never said I didn't owe or wouldn't pay for any amount rightfully incurred upon move-out, I'm simply asking Quality Recovery Services to do the right and legal thing by REMOVING THE AMOUNT WRONGFULLY PLACED ON MY CREDIT REPORT without billing me, then bill me and I will pay. If they refuse to follow the correct legal procedure then I will have no further choice but to have a judge decide if they handled this derogatory Collections without FIRST billing me correctly and allowing me legal time to pay BEFORE placing on my credit report.
Product: Debt collection

I have contacted this company three times. They continue to call and send letters stating the debt is mines. I have told them debt is not mines. But they continue to send a computer generated bill from the actual creditor. They are also contacting me claiming to be an attorneys office which is against the law.
Product: Debt collection

REQUEST DEBT VALIDATION In accordance with the Fair Credit reporting act this creditor has violated my rights. I have a right to privacy, A consumer can not furnish an account without my written instructions. 


Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, the collector must provide me with certain information, including a written verification of the debt, if requested. 

original contract copy of billing payment statement
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I added {$250.00} USD to my Gemini account via debit card. Same day I also deposited another {$200.00}, followed by another {$50.00}. I used these funds to purchase crypto currency. Since then, I have decided to withdraw my funds. However, every time I try, I am unable to do so. The Gemini app tells me my account is still pending verification. Over a month of waiting for verification, several phone calls and messages sent on social media, I have yet to hear any response to my issues. I find it odd how easily I was able to initially transfer funds to my account yet seemingly impossible to withdraw these same funds.
Product: Checking or savings account

I am writing to advocate banking privacy laws that would prevent or limit banking corporations practice of linking into a private citizens accounts at other banks. Without warning or explicit permission, the unsuspecting citizen suddenly finds all their account information from Bank X displayed on the website of Bank Y, two wholly unrelated institutions. 
In an attempt to link banks for a simple inter-bank transfer, I was tricked into giving Union Bank and Trust the username and password to my XXXX bank account. There was no statement of what they were going to do with that information, and I was led to believe that it was necessary for the transfer. The next time I logged into the banks website, I was shocked to find every detail of every transaction and balance posted on a competing banks web page. 
Removing that purloined link was an arduous and time-consuming process, and I am still not guaranteed that the information has truly been purged from the offending banks records. Subsequent follow-ups with bank representatives indicate that they feel no responsibility in the matter, essentially because I was foolish enough to trust them. Of course, they are covered by the usual blanket fine-print. 
My privacy has been violated, and there is no apparent recourse. I request that someone do something to protect banking consumers.
Product: Credit card or prepaid card

A statement and payment were sent to Comenity Bank XXXX XXXX from XXXX, Texas to XXXX, Texas on XX/XX/2022 for {$160.00}. The payment was not processed until 6 days after it was considered past due on XX/XX/XXXX. The expected delivery for the payment was XX/XX/XXXX. Due to this late process of the payment, my account is not showing as past due. I contacted Comenity Bank to run an Off-cycle Report so my account shows as up to date, but they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX   XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful icon filed ftc violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Verify Method of Verification.

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX   XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX Account : XXXX .... 
Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress made it clear in USC 1681a ( 3 ) and ( 4 ) that I have to consent to having a consumer report furnished by Equifax, XXXX, and XXXX on my behalf or to create such reports which I have not done so by any means. I'm making higher payments as well as being charged higher interest rates because of this fact which means they are not exercising their grave responsibilities to me as a consumer. They are unfair and partial and they are not respecting my right to privacy. They never had permissable purpose to furnish a consumer report on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today my credit score from experian says XXXXMy score went down without me knowing.My credit score from XXXX  and XXXX  are above 750
Product: Credit card or prepaid card

On XX/XX/2022 a Bank of America XXXX Credit Card with a credit limit of {$24000.00} was opened in my name. I have called Bank of America 's customer service line XXXX times to have the credit card shut down, often spending 30+ min on hold and constantly getting passed around from one agent to another. To date, I have gotten emails that a credit card has been sent to me, I've called Bank of America to repeatedly tell them I did not open the account. The last call was on XXXX, a month after this account was opened, where I spent over 30 min on the phone with no one to help resolve my issue.
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 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 r
eport 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

I booked a car rental they XXXX in XX/XX/XXXX for a XX/XX/XXXX trip to Florida. The entire country shut down in XX/XX/XXXX due to national pandemic. XX/XX/XXXX I submitted a cancellation of trip and car rental. XXXX XXXX recievrd and said they would take care of it. After months of contact and no result I went to Chase Visa to discuss not receiving of credit for services. They said it is XXXX XXXX policy and XXXX XXXX XXXX not to refund. This is a national pandemic. I tried to get 50 % return of the XXXX in least or be able to use the reservation upon rebook in XX/XX/XXXX. They refused all options. It is a disgrace that the travel business will NOT take care of a customer and keep their money in a national SHUTDOWN
Product: Checking or savings account

FRIDAY XX/XX/2020. TRIED TO LINK CHECKING TO XXXX XXXX AND PNC WON'T ALLOW. XXXX SENT ME THIS LINK
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, you are report the Dispute status as "Not in Dispute" on my credit report.  

My student loans have been in dispute for over a year.  I have sent numerous disputes in writing, online, and through CFPB to XXXX, Transunion, XXXX, and XXXX.  

 I have been submitting complaints and disputes through the CFPB for last three months.  I think this account is under dispute!!!

Change this to Under dispute.

I am not going to stop until this is solved.

This account is in dispute!  Here are the CFPB complaint numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX