23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX is refusing to delete this debt. I have paid this medical bill 5 months ago. All my information on my credit report needs to be updated ASAP! And all old accounts that's over 2 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was Accounts : XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit card

On XX/XX/XXXX XXXX it was a late payment that took place with a a credit card company called self lender. The company issued a late payment. Late Payments CFPB 15 U.S.C 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. 12 CFR. 1026.13 ( d ) ( 2 ) - Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. They are in violation of my privacy rights per the Privacy Act of 1974. It is illegal to report transaction history therefore reporting inquiries and any transaction history with a financial institution is illegal. All inquiries being reported are to be DELETED from this report as it is illegal.
Product: Mortgage

I have a mortgage with PennyMAC ( XXXX XXXX XXXX, XXXX XXXX CA XXXX ). For 2 of the past 3 months PennyMac did not provide me with my monthly paper mortgage statement, forcing me to retrieve it from their website. 

Specifically, PennyMAC did not provide a mortgage statement for either XX/XX/2021 ( Due XXXX ) or XX/XX/2021 ( Due XXXX XXXX ). 

I called PennyMAC regarding the missing XXXX statement, they blamed the US Post Office for " late service, '' yet my statements weren't simply late- they never arrived. I attempted to call them regarding the missing XXXX statement but gave up after sitting on hold for 20 minutes. 

I'm receiving all my other mail ( including a mortgage statement from another servicer ) on time, including a heavy volume of mortgage-refinance advertising mailings from PennyMAC itself ( I received 2 ads from PennyMAC just this month, but no statement ).
Product: Checking or savings account

I had a negative balance of {$820.00} and I pay them back already {$800.00}. I just want 1 reimbursement fee of either {$100.00} or {$35.00} from overdraft fees. If they cant provide me with this simple request, then I wish to close my checking account with TD bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2014 through XX/XX/2014, XXXX is reflecting late payments on my credit reports with all three Credit Bureaus. This information is inaccurate as the loans should have been in deferment as I was enrolled in school. I submitted disputes with all three Credit Bureaus and they are still reflecting the inaccurate information from XXXX.
Product: Mortgage

XX/XX/2019 Ocwen renamed their company/merged their company to a PHHXXXX XXXX Ocwen had been successfully accepting payments every other week per bank account for years prior. 
The " new '' company didn't send any new information for months after their merger, etc, and our payments went into a suspense account. Nothing was being applied, but held and then sent back to us, the homeowner, months late. 
The new company then proceeded with foreclosure action and additional fees. 
We hired 2 attorneys to assist AND a forensic accountant, XXXX XXXX, of XXXX MN. We have tried to get help with a Federal Housing Authority, XXXX XXXX XXXX out of XXXX MN. 

We stopped the foreclosure with an Affidavit of Postponement. 

Then, COVID happened AND This company PHHXXXX REZ refuses to provide COVID 19 protection claiming " we, the homeowners '' were past due in the account. 

This company has sent 10 copies of identical paperwork in print so incredibly small that it is unreadable even with magnification to all the people we've previously worked with. We have had letterhead addressed to XXXX sent to the home address. 

There is so much to upload .....
Product: Debt collection

XXXX  has sold my acct to multiple collections companies and they are all trying to collect different amounts. I've already paid my balance. On XX/XX/XXXX XXXX  reported to XXXX XXXX XXXX for {$520.00}. I paid this amount even though I believe it was an error and I think the cable company charged me for equipment i returned. I paid {$520.00} on XX/XX/XXXX, ref # XXXX. I can attached bank statement. This was under my legal name of XXXX XXXX. Then on XX/XX/XXXX the CPA billed me for {$420.00} under the name XXXX XXXX for a XXXX  acct. It's not possible to have two cable accts for the same address i disputed it. Now another collection called IC System is billing me for the {$420.00} again. XXXX XXXX XXXX also reported the {$420.00} on XX/XX/XXXX and I believe I also paid this acct in error since i was in the process of buying a home.
Product: Checking or savings account

Old account from XXXX was given high fees and interest snd unable to reopen
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE UN AUTHORIZED INQUIRIES 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: Debt collection

I would like for the XXXX to show proof of verification that I owe them {$4700.00} with ACCOUNT XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.
Product: Mortgage

re : Shellpoint Mortgage Servicing. 

Loan account # XXXX. 

I recently refinanced my house in XXXX XXXX After the refi, the mortgage loan was once again sold to a different lender and Shellpoint Mortgage Servicing is my new mortgage servicer starting XXXXXXXX. Before, during and after the refinance process, I have maintained my homeowner hazard insurance policy linked to the above loan # and it has always been up-to-date and active. My current insurance policy coverage period is XXXX to XXXX ( see attachment ). On XXXX, I received a letter from Shellpoint Mortgage Servicing dated XXXX stating " Our records show that your hazard insurance expired and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property. You must pay us for any period during which the insurance we buy is in effect but you do not have insurance. You should immediately provide us with your insurance information '' and to fax, upload or mail my home hazard insurance policy declarations page to XXXX. On page XXXX of the letter, it states " Shellpoint Mortgage Servicing is a debt collector. This letter is an attempt to collect a debt and any information obtained will be used for that purpose. '' ( see attached copy of the letter ) This is an attempt from XXXX to fraudulently collect a debt that is fraudulently created by XXXX based on their false claim that my house is not covered under any hazard insurance but I already have the insurance and it's not expired. 

I immediately uploaded the home hazard insurance policy declarations page on the website as instructed in the letter, proving my house is covered under active home hazard insurance. 

This is not the first time Shellpoint have tried to scam homeowners and tried to impose extra charges to their loan account by claiming XXXX is buying forced-placed hazard insurance for the property while the homeowners in fact do have active hazard insurance. There have been at least XXXX class action lawsuit in XX/XX/XXXX against Shellpoint Mortgage regarding lender placed insurance. There is at least XXXX open class action lawsuit now against XXXX charges for property insurance even if homeowners already have a policy, which involve cases similar to what happened to me. 

I demand Shellpoint Mortgage Servicing immediately update my home hazard insurance info linked to the above loan account # XXXX. 

I demand Shellpoint Mortgage Servicing immediately and permanently cancel any charges and fees associated with the forced-placed hazard insurance XXXX purchased fraudulently for loan # XXXX. 

I demand Shellpoint Mortgage Servicing, in the future, never to try to scam me again or try to do anything fraudulent related to my loan account or the loan holders in any ways. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX posted a debt of {$2600.00} on my credit report dated XX/XX/2017. I did not attend this school in 2017, nor did apply for a student loan or open any accounts during this time. This is impossible and can not be accurate information. I mailed a certified letter to this company which they received. I received no response to the letter. I do know purposely posting inaccurate credit information is a violation against my rights as a consumer and I would like my rights not to be violated.
Product: Checking or savings account

On XXXX XX/XX/2021, I received an email stating the following : " Hi, During our recent review of your American Express Serve Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement. 

As a result of such activity, and pursuant to Section 15 ( d ) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended.

If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX. XXXX XXXX XXXX, GA XXXX '' They have not given me an exact reason nor have they returned my money. I called at XXXX and XXXX on XXXX XX/XX/2021. The first representative hung up on me. The second representative told me that my account was open and functioning on his end. I asked him to open a case and email me the confirmation of it. He had me wait on the line with him for 3 minutes only to resend the exact same email that is above. It seemed as though he was doing it intentionally to mock me and waste my time. The other number he provided is non-functioning.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), on XX/XX/XXXX, I submitted a dispute with Equifax, requesting the investigation and validation of a debt on my credit report. I am requesting an investigation into Equifax Credit Bureau, as I am concerned they have violated the Fair Credit Reporting Act by willfully failing to investigate a debt on my credit report from XXXX XXXX XXXX. 

I requested the following documents be provided to me by Equifax as part of the investigation to validate this debt : Full detailed list of payment history on this account, original signature I agreed to with this creditor, proof of ownership chain and purchase agreement. None of these items were provided. Further, I know this debt can not be validated, as it does not belong to me. XXXX completed an investigation into this same debt, found it to be inaccurate and deleted it from my credit report in XX/XX/XXXX.
Product: Credit card or prepaid card

I applied for a 0 % interest card with Bank of America ending XXXX. They denied the application. Then a few days later I received a text that the account was approved. 

After the account was approved, I activated the card and they put an immediate fraud hold on the account. I called the fraud center and they removed it. I attempted to use the card and they put a second fraud hold on the account. I called again and was told I needed to go into a banking center. 

I went to a banking center and was told that I would have to return with an appointment. I made and appointment and returned. I was there for 30 minutes. The took 2 forms of ID, personal information and verified me on the app. They removed the fraud hold. 

A few days later I attempted to complete a balance transfer and received an email that it was rejected and I needed to call. I called and completed the same balance transfer again.I asked for the reason for the rejection and there was none. I received the disclosures from the representative, listed to them in an audio recording, and verified the transfer several times while being recorded. I received a confirmation that the balance transfer was submitted. 

The next day I received an email that the balance transfer was not completed. I called and there was another fraud hold on the account. Then they transferred me to the fraud department who once again insisted that I needed to go into a branch ... for the third time in a week. When I asked why, they stated that they had no record of me being in the branch. I was in the branch for about 30 minutes and they verified my account in several ways including two forms of ID and through a code sent to my cell phone. I was again told Bank of America had no record of this. 

I immediately asked to speak to a supervisor. I was put on hold and then suddenly the fraud alert was removed and I was told to call the balance transfers department again. I am currently on the phone with the balance transfer department. They just informed me that I need to call the fraud department. 

In essence, I have a card offer that can not be used and the time to complete the balance transfers for 0 % is ticking. There is nothing I can do to remove the fraud hold or use the card. I would not have applied for this card if I was aware that I would never be able to use it at the promotional rate.
Product: Money transfer, virtual currency, or money service

Venmo complaint On XX/XX/year>, my mother, XXXX XXXX sent funds to me via XXXX and I transferred to my Venmo XXXX Debit account ending in XXXX. The transaction was immediately flagged as " fraudulent '' and my account was blocked from using. First of all, I use this Venmo account for all my financial needs, as well as receiving my direct deposit from work, twice a month. I have had this account for sic years plus and make many transactions using it. After submitting my documentation to verify account, which was identification and face biometrics, I was sent an email from their support team, advising me that it will take XXXX business days to resolve. 
My mother, XXXX XXXX, sent verification of the transaction from her end, verifying that the transaction was legit. After my mother, XXXX XXXX, sent another email on XX/XX/year>, verifying the transaction once again, I receive an email stating that Venmo decided that the account was going to be " permanently closed '' and the funds will be held up to 180 day ( XXXX ) before being sent to me. Now the problem with this is that I have money sitting in my account that was going to be used for XXXX and to pay my rent. I also feel that this was done as a retaliation from my mother 's email, demanding the release of the funds that were sent from her paypal account. I do feel that this company did an unethical and malice business practice by accepting the transaction and then closing the account to hold the funds because the funds werein " pending '' status in my mother 's account and was completed before closing the account, instead of declining the transaction to be sent back to my mother 's Paypal account. I do believe that Venmo is an entity of Paypal and the transaction could have easily been verified as legit and completed without this fraudulently decision. I demand a release of my funds for my use as there is no reason to hold my funds for XXXX months. Now, I must say, " this is fraud '' on their part as a business.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to file a formal complaint against Wise ( formerly known as TransferWise ) for the abrupt and unjustified closure of my account on XX/XX/2023, resulting in significant inconvenience and financial loss. 

Account Closure Without Explanation : My account was closed without any prior notice or explanation. This sudden action by Wise has caused me considerable distress and confusion. 

Refund of Account Balance but Pending Transfers Unresolved : While the balance in my account was refunded to me on the same day, there were two pending transfers which have not been completed or refunded. Specifically, these transfers amount to {$940.00} USD and {$30.00} USD, respectively. The lack of information and transparency regarding these pending transactions is highly concerning.

Lack of Proper Communication and Appeal Process : I have not been provided with any opportunity to appeal this decision. The only response I received was from a customer service bot on XXXX, stating that Wise is in the process of due diligence. However, no details were provided about the nature of this due diligence, its duration, or when I can expect the resolution and refund of my pending transfers.

Financial Impact and Request for Resolution : This situation has resulted in a financial loss for me, as the funds from the pending transfers totaling {$970.00} USD are still withheld without a clear timeline for return. I request a thorough investigation into this matter and seek a detailed explanation for the account closure, the status of my pending transfers, and an immediate resolution to refund these funds. 

I trust that the Consumer Financial Protection Bureau will take this complaint seriously and assist in resolving this issue promptly. I am willing to provide any additional information or documentation as required. 

Thank you for your attention to this matter.
Product: Bank account or service

XXXX/XXXX/2016 I was charged a overdraft fee when I had more than enough money to cover the bill. : The following items posted against insufficient funds : Item Amount XXXX XXXX XXXX PA {$36.00} Item Paid Final Available Balance as of XXXX/XXXX/16 : - {$42.00} This balance does not include the fees listed below. 

Fee ( s ) totaling {$36.00} will be charged on XXXX/XXXX/16. 

I opened two other account attached to the same card and the young lady who assisted me with opening the cards asked if I wanted overdraft protection. She was told YES. 

I spoke to a young lady today and she stated although I had enough money in the bank to cover the cost, the check mark was not checked for this account to cover incidents like the one mentioned. 
Again, I opened the other accounts inside of the branch and was verbally informed by the attendant that the protection would avoid me paying over draft if I had the money in another account. 
As a housing counselor, I felt the wallet was user friendly, I have spent several minutes looking for the check mark the CSR spoke of after telling me there was nothing she could do to help me ... and I still have yet to find it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX XXXX : XXXX  XXXX XXXX Balance : XXXX XXXX : XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX : XXXX  XXXX XXXX Balance : XXXX