23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XXXX I received {$6600.00}, these funds went into my Venmo account, shortly after that Venmo locked my account for an unknown reason. Ive been contacting them now for several years, I dont get a much of an explanation. The last time I spoke with them was XX/XX/XXXX and was told Your account is currently frozen. Unfortunately, there are no further changes that we can make to your account. Additionally, there is no further information or detail I can provide about why your account is frozen. 
The funds in your account will not be made available to you at this time. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. Please if you can, help me. Ive reached out so many times and this is the only thing they will say to me. Thank you so much.
Product: Mortgage

I was in a covid forbearance in XXXX. I have a primary mortgage and a second. After speaking with US Bank we agreed to roll the amount into the back of the mortgage. Paperwork was notarized and sent back. The main mortgage was processed properly. The second mortgage they never handled. I just found out today when trying to make a payment that it's 13 months past due. I've received no call, no notifications nothing from US Bank. The account has disappeared from my login. When calling I've been hung up on. This is so concerning. Please help.
Product: Credit reporting or other personal consumer reports

The credit bureaus ( XXXX, XXXX, transunion ) were notified and were given a chance to verify and correct bankruptcy information in my credit report. They responded that the information was provided by XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and was given a report that had no information regarding any bankruptcy. I sent the credit bureaus a copy of the report showing that there was no bankruptcy on my file and they still haven't changed this information. I provided the documentation sent and the updated consumer report for someone to follow up. Please have someone manually review my file I submitted the consumer report for their records and they need to update the file showing that the information regarding a bankruptcy needs to be removed. Also I would like to know why they are stating that they are receiving information from a third party company ( XXXX XXXX XXXX XXXX XXXX ) They have not reached out to them and are required to verify all information. Now that they have had 30 days and have not done the proper investigation I want this information removed now. 

The reference number show on the credit reports show as Reference number XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX Account number : XXXX Balance : {$1500.00}
Product: Credit reporting or other personal consumer reports

My bank doesnt recognize my phone. Even Ive been using it for XXXX.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filling this complaint. The stuff on my credit report is wrong.
Product: Debt collection

On XX/XX/year>, I received a letter stating that " this is an attempt to collect a debt ''. The debt involved is a loan payment. The payment is not due until XX/XX/year>, which is clearly stated in the letter. I am current with the loan. This does not become a debt until XX/XX/year>. The company sending the letter has collected the previous two payments through automated payments. I called the company and told them what my problem with them is. I was told it was due to an automated system. As I told the person I spoke to the automated system did not automate itself. Sending a letter indicating that they are attempting to collect a debt before it is due and already collecting on the debt through automated payments is harassment. I was told that they sent this letter to everyone. Just as I pay a penalty when I am late, they should pay a penalty when they are early.
Product: Credit reporting or other personal consumer reports

I contacted the court to conduct an investigation on if they sent the bankruptcy information to the credit reporting agency. To my surprise the court sent a letter saying they have not sent any information to any credit reporting agency at all. XXXX made a claim that the information received came from the court. This information is not true at all.
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. 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 XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXXBalance : {$270.00} ; XXXX XXXX XXXX XXXXXXXX  Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$400.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit card

My statement indicates that Chase is charging fraudulent fees on my account and an effect interest rate of over 200 % on one of my purchases. Compare the three plans in the attachment and see the difference. Chase indicates they intend to collect 2 monthly payments of {$470.00} to satisfy a remaining principle balance of {$690.00} amounting to an outrageous {$220.00} in interest and fees for a period of two months on a balance of {$690.00}. This obviously doesn't make any sense because the other two plans are stated accurately except for a small rounding error of a few cents. This calls into question the integrity and accuracy of the entire statement as well as the Chase pay over time system. 

Additionally I continue to have problems with Chase refusing to handle disputes properly. I have already complained multiple times in writing, by telephone and through CFPB about this issue. I provided detailed information about the unauthorized charges made to my card. There is no additional information to provide.
Product: Mortgage

My home loan was modified effective XXXX XXXX, XXXX while XXXX XXXX XXXX ( XXXX ) was servicing the loan. The new terms of the loan were : interest only payments at 5.25 % with a loan balance of {$280000.00}. There was no provision for escrow payments. The loan was transferred to Resurgent Mortgage on XXXX XXXX, XXXX and a few months later to Shellpoint Mortgage Servicing Company. When the loan was initially transferred to XXXX, the monthly payment amount was listed at {$2400.00}. I called and wrote to Resurgent to explain to them that their records from XXXX were incorrect. After nearly four months, Shellpoint replied and allegedly sent a loan history on XXXX XXXX, XXXX, but none was enclosed. My IRS form XXXX for year XXXX arrived in XXXX and the figures were obviously incorrect, showing approximately {$43000.00} paid in interest ( twelve payments of $ XXXX/month does not equate ). On XXXX XXXX, XXXX I wrote to Shellpoint -- via certified letter -- asking to correct XXXX and XXXX interest paid that was reported to IRS. XXXX did not reply. On XXXX XXXX, XXXX I sent another certified letter asking to correct the interest paid for XXXX and XXXX. During these times, I constantly called Shellpoint, only to leave messages that were not returned, by either letter or phone call. Finally, in XXXX, I actually was able to talk to XXXX at Shellpoint ; she said that I could not obtain any loan information because I was represented by an attorney and needed his permission. She advised that once I got " approval '' from my attorney, the loan documents would be dispatched. XXXX XXXX XXXX, XXXX. XXXX my attorney ) emailed XXXX on XXXX XXXX, XXXX stating that Shellpoint could provide any information I requested. I emailed/followed up on XXXX XXXX, XXXX with XXXX, again asking for this information. To date, I have not received a loan history. In the interim, Shellpoint shows my account with legal fees, late charges, miscellaneous fees, unapplied payments, etc. on their web site. There is no substantiation for such charges. I was told by XXXX that the official mailing address for payments was changing ; I requested this information via official letter, however, I have not received any notice as of this filing. Further, Shellpoint is not reporting my current loan status to the credit reporting. agencies. Recently, Shellpoint sent a revised IRS form XXXX for XXXX. Based on this revision, Shellpoint is clearly able to provide an accurate loan balance.
Product: Checking or savings account

I made an online transfer as part of a new savings bank account opening on XX/XX/2023 with Citizens Bank online. The transfer was done online using their online form. 

The account was opened and the funds were withdrawn from my XXXX  XXXX XXXX, however the funds were not deposited into my new savings accounts. When checking online Citizens showed that the funds were being returned, however they were never returned even after a week of calling many of their contact numbers. They keep transferring me from one number to the next but no one is able to help me. They told me not to go to a branch since the branch can not see online transactions. 

Currently I keep calling their numbers and they keep transferring me from one to the other.
Product: Credit reporting

Hello, I would like to lodge a complaint regarding all three major credit bureau 's ( XXXX, TransUnion, and XXXX ). Looking over my credit reports at the beginning of this year I was worried by some of the problems on my credit report that I feel is inaccurate and false information and should not be on my credit reports. I then began investigating information on the Fair Credit Reporting Act and started sending off certified letters to each of the credit bureau 's. Each time I have requested complete proof from each of the bureau 's, all they could say was that the accounts have been verified and would remain on credit report. This is still violating Federal Law and now I seek litigation in regards to these responses and would like this handled promptly. I asked that I could see a copy or be provided a copy of the " original SIGNED consumer contract '' with my signature on it in order to be tied to those accounts. I will not take all the bureaus ' words for it and allow them to verify through the creditor 's word. 
After receiving the second letter from XXXX stating that they will not re-investigate the accounts due to already being investigated once and talking to XXXX over the phone and not getting anywhere in the results I am looking for, I then began looking for a way I can get this properly executed and resolve my issue. What the Bureau 's are doing is not the proper way of completing an investigation especially if I can not see proof of their investigation that shows they have obtain or seen a consumer contract with my signature on it. It is already past 30 days for all of the credit bureau 's and they have not followed the Fair Credit Reporting Act to the " T '', which includes not verified accounts needs to be removed immediately and I feel I am getting no where. Please I would like your help in following up with my complaint and get this resolved for me. I was having a very hard time trying to get into another vehicle and now I am stuck in a really high interest and high payment because what is weighing my credit down is accounts that are n't even mine that are on my credit report. Below I have attached documents or letters that I have sent to each credit bureau of everything that is unverified on my credit reports and also pictures of certified receipt 's showing the dates. ( NOTE : I will submit this complaint 3 times, for each bureau, and include each separate attachments ). In the letters, the second page of each letter is a section that I have signed and have had the notary at my bank notarize the letters to show that I am who I say I am. Please review the attachments and please help me resolve my complaint promptly. Thank you. 

P.S. I was n't too sure what bullet I was suppose to choose that " describes my issue. '' So I chose what I feel this issue would fall under best.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian several letters for years. I recently sent them certified letters on XXXX XXXX, 2019 ; XX/XX/ ; and XX/XX/2019I sent letters disputing an account for XXXX XXXX XXXX that does not belong to me. I asked them on many occasions to investigate this account. They all come back with, this account is verified to belong to you. I have asked for proof and method of verification done in this process but was never done. 

I have never had an account with XXXX XXXX XXXXXXXX nor have applied. 

At this point, I am tired of asking them to comply and do their job. I need assistance in this matter.
Product: Money transfer, virtual currency, or money service

A check was cashed by A Plus Financial Services that was stolen from me. I reported the check lost or stolen to my insurance company XXXX XXXX XXXX XXXX .Consequently the check was cashed at the aforementioned check cashing facility. This company didn't exercise due diligence confirming the identity of the holder or legitimacy of the document.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On  accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on  occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX  XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

HELLO. 
Account name XXXX XXXX XXXX Account numbeXXXX HAS REPORTED A CLOSED ACCOUNT OF {$9200.00} ON MY CREDIT. I HAVE BEEN FIGHTING THIS ACCOUNT FOR OVER 7 ( SEVEN ) YEARS. IT SHOULD BE DELETED FROM MY CREDIT HISTORY.

I HAVE NO KNOWLEDGE OF THIS ACCOUNT. I HAVE NO AFFILIATION WITH THIS COMPANY THAT HAVE SOLD MY INFORMATION TO THIS DEBT COLLECTOR. I HAVE CONTACTED THIS CREDITOR REQUESTING VALIDATION AND VERIFICATION AND AS OF TODAY, THERE HAS BEEN NO INFORMATION RECEIVED, FOR SEVEN YEARS.

PLEASE DELETE THIS ADDRESS FROM MY CREDIT REPORT.

ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY - THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT - ALL ACCOUNTS YOU POST ON A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT. 
I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNTS LISTED BELOW. YOUR 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 A COPY OF VERIFIABLE PROOF, YOU MUST REMOVE THE ACCOUNTS LISTED. I DEMAND THE FOLLOWING INQUIRES REMOVED IMMEDIATELY.

IT IS ALSO STATED THAT AFTER SEVEN YEARS, THE ACCOUNT JUST BE REMOVED FROM CREDIT FILE. 

THANK YOU, XXXX XXXX SIGNED AND SEALED IN THE PRESENCE OF : XXXX XXXX
Product: Mortgage

I have a Loan ( Mortgage ) with Green Tree and they charge a {$12.00} fee even if automatic payments are set-up directly from the bank account. For example I called to set-up my automatic pymts. and they told me that every month they are going to charge me a {$12.00} fee in addition to my mortgage payment. The only way to avoid the fee is by mailing a check every month, and again as they said, that is not a secure method because the check can be lost in the mail. We are in 2015 and I do n't consider the {$12.00} fee fair to Green Tree 's costumers. Just multiply {$12.00} fee for 30 yrs!
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXXXXXX XXXX
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 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.

15U.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.

This is improper use of my credit on XX/XX/2024 XXXX  account shows as a " Derogatory Account '', on XX/XX/2024 it's showing as an " Improved Account '', and then on XX/XX/2024 it's showing as " Delinquent Account '' I need this account from removed from my credit within XXXX  days or less as these inaccuracies are stopping me from getting a house for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Product: Credit reporting or other personal consumer reports

In accurate information on my credit report like loan and payment History No mind still reporting on my Credit file Im asking it be move immediately I have Dispute this account several time the credit.bureau Never verified these account was mind I feel like these companies in violation according to the law