23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please remove immediately the following accounts : Lead Bank xxxxxxxxxxxxxxxx XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX  XXXX XXXX XXXX XXXX xxxxxxxxxxxxxxxx XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX  XXXX XXXX XXXX XXXX xxxxxxxxxxxxxxxx XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX  XXXX XXXX XXXX XXXX xxxxxxxxxxxxxxx XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX  XXXX XXXX XXXX XXXX xxxxxxxxxxxxxxxx XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX. XXXX, XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX crdt XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXXXXXX XXXX XXXX  XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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

I have sent out multiple letters to XXXX and Experian regarding a bankruptcy that they have published on my credit report. I have provided both documentation from the court and a copy of my XXXX report that PROVES the reported bankruptcy should NOT be on my credit report. Both agencies continue to provide me with generic responses and neither agency has responded to my multiple method of investigation request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried reaching out to transunion over inaccurate information being reported. They responded once ( the first time ) out of the 3 times Ive reached out. They are reporting false information and it is affecting my process of buying my first home. I need this information that has already been unverifiable from the main source to be removed at once. I am going to attempt to send out a 4th letter with this complaint number attached in hopes they respond and remove this information.
Product: Money transfer, virtual currency, or money service

I have been using Venmo for a long time without issue. Small sales, Rent payments, the normal things. I own a small sign company, am working on a sign for an XXXX XXXX in XXXX XXXX Michigan in my home state. XXXX XXXX Sent me {$710.00} for the payment to produce and install the sign. I do have a business account also attached to my venmo account. In the comments section, he stated new sign. Upon receipt, I logged in to complete an instant transfer as I have done many times in the past and it said it could not be completed. I tried again, no luck. I removed my card, re-added it and still no luck. I called Venmo, explained the same details and was recommended to remove the card and add it again. I said I already had and they informed me that it can take a little while for the system to update but I could make a standard withdrawal to my bank account on the account. I said it had not been verified and they said verification only applies to funding not withdrawals. I initiated the withdrawal, received notification via email that the estimated arrival to my Bank. In the meantime, Venmo 's site informed me that my Venmo XXXX would be expiring soon and I should order a new one, Did so and it is actually arriving today. 
Within minutes of all of these transactions, I received an email stating my account is temporarily frozen. I responded to the email asking why and have had no response. I called back and was told I could not talk to anyone and had to contact them VIA email. I have since, received automated messages, asked for explanation and have yet to get a response, Venmo has not requested any information and they have actually verified my bank account all while being frozen. I have talked to whom I was told was Supervisor with no resolution, have been told that my Ticket # XXXX has been escalated and I should have a response in 7 days. These practices are criminal in the electronic world today. I need my account restored or funds returned to the sender. 
Desired Settlement : I requested the money be returned to the Sender and they told me that can't happen because my account is now suspended and still give me no reason as to why or any resolve.
Product: Checking or savings account

The Bank of America charged me {$30.00} to stop payment on a {$45.00} check to the XXXX XXXX XXXX. This is outrageous. I don't mind paying a {$10.00} stop payment fee, for example, but to charge me {$30.00} on a {$45.00} check is OBSCENE! 

Furthermore, I have overdraft protection and yet the Bank of America keeps charging me an overdraft fee of {$35.00}. I have repeatedly complained to the branch manager of the Bank of America at XXXX XXXX XXXX, XXXX, New Jersey XXXX but to no avail. This {$35.00} overdraft fee keeps appearing! 

I call all this a rip-off! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX ( ret )
Product: Checking or savings account

This complaint is about Citizen 's Bank. I believe I have been subject to privacy and human rights violations that extend back to my time at XXXX University in XX/XX/XXXX-XX/XX/XXXX and some currently connected to theft and malicious takeover attempt of commercial projects, notably copyright XXXX which is a film related to the anti nuclear movement from the XX/XX/XXXX and XX/XX/XXXX. However there are other developments surrounding XXXX   or other issues. Unfortunately, the violations are severe. At the time I was at XXXX I had an account at Citizen 's Bank. I would like all account information and anything else logged to my name including all available investigative material. Due to takeover I would like to know any participation or conflicts of information the bank could have.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXX - XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXXXXXX XXXX XXXX - XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX  - XXXX, XXXX XXXX  - XXXX, XXXX XXXX XXXX  - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX  - XXXX, XXXX  - XX/XX/year>
Product: Credit card or prepaid card

on XX/XX/XXXX i called wells Fargo reporting a purchase issue with XXXX for {$3800.00}. Where I paid an extra {$40.00} to XXXX for a secured delivery to me and the parcel to be only released to me but anybody else i did that because of the amount of the purchase and i wanted to be secured from my end. On the XXXX of XXXX, i was at home waiting for my parcel to arrive, XXXX never showed up and i received an email from XXXX saying that the parcel was delivered to the address i freaked out and checked the tracking, It said it was delivered NO SIGNATURE WAS OBTAINED AND SOME RANDOM DELIVERY NAME AS XXXX was mentioned, For secured delivery XXXX is required to check the ID of the person before they release it. I freaked out so much as it is my life 's very first investment i called wells Fargo and reached out to XXXX and XXXX XXXX XXXX said that the sender could file a claim with us as a receiver i could not do anything. I called XXXX they said they will look into it since then never replied, Wells Fargo initiate my dispute on the XXXX of XXXX with dispute details Dispute Number : XXXX Date Posted : XX/XX/2022 Merchant Name : XXXX, XXXX. 
Amount of Transaction : XXXX Card Number : XXXX Status : Dispute Initiated Wells Fargo called me on XX/XX/XXXX saying they are going to decline my dispute, I spoke to XXXX from the claims department, and She was insulting, I was trying to understand how can i put liable for something i did nothing wrong - ) I paid extra on top of the total price of the product. 
- ) i informed my bank less than XXXX hours after the incident. 
- ) i replied to every call wells Fargo had for me. 
even after all of this, she was so rude to me that SHE HUNG UP ON ME WHILE I WAS TALKING. and just yesterday they posted the charge back onto my account. 

I want to know where was i wrong? how am i liable? 
I am a fulltime XXXX student, it was my life 's first investment and i have now been left with nothing they putting me liable for something i never received. What about visa customer rights. XXXX did not deliver what they promised. 


Please help me Please.
Product: Checking or savings account

I made transfer from my other bank account which is XXXX XXXX  and it carried my name. I made the transfer into my SOFI BANK via XXXX. Ever since i made the transfer last year XXXX till this very moment, my SOFI BANK account has been restricted, I can't take my money out nor can i make deposit or withdrawal either.
Product: Credit card

XXXX privacy act violations, information sent to 3rd partys of closure of actions but did not credit the account for all credits of transactions made on account for stocks and credit card transactions, unauthorized transactions and credit is demanded
Product: Credit card

I have been trying to cancel some monthly subscription charges on my XXXX card. I can not get in touch with the companies who are charging me. I changed my account number. XXXX allows monthly subscriptions to pass through to the new credit card account number. I was charged twice by a company that uses preditory marketing stratagies. They now have my new credit card information. Many companies large and small ; legitamate or completely dishonest know this monthly subscription loophole. The American consumer has to be protected from preditory, fraudulent and otherwise dishonest businesses. It should be easy to shut off the money flow.
Product: Payday loan, title loan, or personal loan

Synchrony Bank currently has an automated phone system ( like most companies ). It is currently providing customers with incorrect information. Recently, one of my payments were declined after submission. I received an email stating there was an issues, but when I called the bank their automated phone system verified my payment was made successfully. This was false information they provided me. The account was in fact past due, and the company was adding late-fees to my account. I cant imagine how many customers are incurring fees, due to false information Synchrony is providing.
Product: Mortgage

Select Portfolio Servicing , Inc. is our Mortgage Servicer. 
They are " supposed '' to process our Mortgage Payments and they can not consistently master this task. 
Mailed {$3100.00} for XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. payments. 
They processed a few months then I had to call to find out where my payments went, they either put it on Principal Only or Unapplied funds which is not where it is to go. 
It is to be applied to my future mortgage payments. 
My check was cashed on theXX/XX/XXXX2020. 3 payments were done on theXX/XX/XXXX Nothing more. 
I called on theXX/XX/XXXX had to ask for a Manager. 
Manager XXXX says our account should not have been partially processed ; but she can not communicate to the Cashiering Dept., she emailed the Cashiers dept. and called me at XXXX to let me know she was still waiting to communicate with them. 
I called SPS on Tuesday, XX/XX/XXXX, payments STILL not fully processed. 
XX/XX/2020 payment was put in principal only and NOT towards our mortgage even with notes in our file that prove future payments can be made and applied to our mortgage.

Let 's
be honest, SPS knows they do what they do and no matter what steps are in place to assist the consumer they do the improper steps and don't care about the consumer 's stress level. 
I was told today that, " the processing of my payments are in line behind their other million customers. '' By Supervisor XXXX XXXX. 
When my check was partially processed on the XX/XX/XXXX there should have been no reason to stop processing the last payments, then to he told I have to wait for the other million customers?? Seems like my number was already called. 
When I ask for a document that shows my payments were made on what day, SPS sends me an 8x11 '' piece of paper with 25 line items no larger than 3-1/2 '' x 4 '' so I can not see what has transpired with the money we have sent to he assured SPS is not scamming us, so technically there is no way to see what transactions were done. 
Their website does not properly show transactions or payment history either, so there truly is no way to audit what they are doing. 
Even checks are processed as ACH so it does not show a papertrail of payments if needed. 

Seems dangerous for a company of a " million mortgages '' to not have to show any accountability. 

Why this company is still in business just shows that predatory servicers get to do whatever they want with no consequences whatsoever. 
This is not my first complaint and probably not my last with this company as long as they are allowed to take customers for a ride and misapply/process payments. 
They are not allowed to collect Escrow on our account due to misapplication of our escrow funds, ultimately, I would like another Servicer and should not have to refinance out to change since they do not report our mortgage payments to credit agencies, XXXX, XXXX  and XXXX, our credit report lacks that important transaction. 
( Once again, another reason for them to abuse their power as a mortgage servicer. )
Product: Credit card or prepaid card

I applied to CHASE CARD SERVICES and they have committed adverse action against me by denying me credit based off of my income as well as my history of use of credit. I was discriminated against by CHASE CARD SERVICES. They utilized my credit without my authorized use in order to communicate with 3rd parties. I exercised my right to credit in good faith and was denied. This is a violation of my rights as a consumer pursuant to the Equal Opportunity Credit Act codified in 15 USC 1691c, 15 USC 1692K, 15 USC 1691, 15 USC 1642, USC 1681M, 12 CFR 1002, 15 USC1681N, 15 USC 1681O, 15 USC 1602F, 15 USC 1602G, 15 USC 1602L, 15 USC 1602P, 15 USC 1691A3.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I recieved a call from the CCS offices regarding a payment from XXXX XXXX XXXX XXXX for an amount of XXXX XXXX I have already cleared out and paid all my outstanding charges which were different from this amount.

CCS offices sent me a few scammy emails and told me to make the payment immediately which seemed a little scammy.

Wanted to make sure I don't owe money and help in delegitimizing these charges.
Product: Credit card or prepaid card

Discover credit card company. I had a payment program with the company in order to reduce the credit balance and interest for about a year and some months now and I was told I can not make use of the card for the period of the payment program. This program started XXXX last year. After three months they stop the program without my notice and when I complained, they said It was a mistake and apologized, but the interest remained the same. And this has being going on for long time now. Why I am reporting them now is because the they deleted my automatic payment method because I complained about charging unnecessary amount before the due date. Now they made me missed a payment because my automatic payment was deleted and I was not aware about it and there was no message to indicate about their decision. I called to find out but they refused to speak but instead keep ending my calls. This morning I received a statement of my account with the amount times two of what I suppose to pay. I believe I have pay almost have of the credit balance but because of their fraudulent act. The money still remain High. Please I need this organization to look into this because they have scammed me a lot and they say I can do what ever I like. Maybe because they feel I am a nobody. The attached documents disclose the automatic payments I setup in my account but they deleted it because they want me to miss a payment so they could charge me more interest
Product: Checking or savings account

I have a joint account with my grandmother who receives social security and pension each month on the XXXX of every month. Her social security and pension were deposited into our Chase account XX/XX/2020. On XX/XX/2020, my grandmother passed away. There was a hold placed on the account unbeknownst to me, which left the account negative {>= $1,000,000}. I called into Chase XX/XX/2020 and the representative could not fully explain to me why there was a hold on the account. Due to me not knowing what was going on, I transferred the remaing funds from our joint account to my personal account ( {$2100.00} ). The {$2100.00} that I transferred to my personal account is now gone and I never spent the money. I called in today XX/XX/2020 to see what was going on and try to get some answers as to why there is still a negative balance showing and what happened to all of the funds and I got nowhere. I was told that the " deceased Processing '' department is handling the account but I was unable to speak with them. There should be a total of {$3900.00} in the account. Instead the account is negative - {>= $1,000,000}. This is a huge inconvenience, as my family are still paying expenses associated with the cost for the funeral, along with the obligated rent that was due for the month.
Product: Credit reporting or other personal consumer reports

I have been disputing information on my credit report for a few months and I have not gotten any response about my disputes about inaccuracies on my report. This is a violation of my federal rights and demand this gets resolve immediately.