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

ORIGINAL COMPLAINT XXXX I REQUESTED YOU STOP ADDING REMARKS AND REMOVE ANY UNNECESSARY REMARKS AND YOU HAVE READDED THE SAME REMARKS TO MY XXXX CARD!!!!!!!!!!!!!!!! XXXX ARE YOU DOING STOP CREATING MORE ISSUES! I AM APPLYING FOR A LOAN SOON AND I NEED MY CREDIT REPORT CLEAN! 

XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. I am asking the dispute comment to be removed from the following items : XXXX XXXX  XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. Truly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a current police report on file dated XX/XX/XXXX with XXXX XXXX due to being a victim of identity theft. The following inquiries viewed by others listed on my XXXXXXXX XXXX Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXXXXXX XXXX, XX/XX/XXXX and XXXXXXXX XXXX, XX/XX/XXXX. I have a current Federal Trade Commission Identity Theft Report on file with XXXX and Equifax. The following accounts and credit inquiries listed on my XXXX and Equifax credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX, XXXX, {$450.00}, XX/XX/XXXX, XXXX XXXXXXXX XXXX, XXXX, {$110.00}, XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXDate Opened : XX/XX/XXXX {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Bankruptcy
Product: Checking or savings account

I have had several conversations with PNC regarding how to set up overdraft protection of my accounts. On XX/XX/20, I spoke to XXXX who indicated that my mortgage account did not have any overdraft protection, directly contradicting my previous conversation with a PNC representative ( approximately XX/XX/20 ) in which I was told the mortgage account had overdraft protection added. Each time I speak to a PNC representative regarding this account, I receive different information about which how the accounts are set up. PNC has failed to follow my instructions multiple times. I asked XXXX to listen to previous recordings on this matter, and she claimed there was no way for her to look up this information. This poor communication has resulted in an economic loss as my mortgage company has charged me a {$50.00} NSF fee, and they require a statement for PNC to reverse this charge. PNC is refusing to give this statement, and they are avoiding investigating this matter fully by listening to previous recordings with CSRs which would corroborate my account.
Product: Credit card or prepaid card

I contact my bank after 19 years of accounts, to get a business cc, I was originally told they were not accepting nay applications for credit cards, then I asked to speak to a manager, or see this policy in writing then the representative stated she would send me the application, I filled it out and submitted back to the bank, and wait almost 4 weeks to then receive a denial of credit, I do not have any outstanding debt payments are made timely, for my mortgages ( 2 ) and no other derogatory statements on my credit. I am attempting to build my business credit and have been rail road  I then received a letter the next day I asked about the credit application stating denial without significant reasoning on what I was denied
Product: Debt collection

Hello, My name is XXXX XXXX. I am writing to you guys because Resurgent/LVNV funding is reporting inaccurately to my credit report. 
They are attempting to collect a debt that is not mine and reporting that debt as a collection on my credit report. 
The debt is not mine and therefore, they are inaccurately reporting to the XXXX credit bureaus. 
Please have them remove this account as soon as possible, they are hindering my ability to obtain a car/house. 
It's not fair that I have to go through this, they haven't even validated the debt. 

Please have them fix this as soon as possible. Thank you.
Product: Debt collection

I continue to be contacted about this debt that is originally from Original Lender : CITIBANK N.A. 
Account Number : XXXX, who has sold the debt to apparently everyone, and I settled with XXXX XXXX back in 2020. I have attached a new letter from them under their mediations department/legal arm. All I know is that there is some company in the valley that keeps sending more and more companies to threaten me. At this point I am ready to plead my case in front of a judge. 

I keep getting threatening calls about once a month and I am really feeling like I am being stalked and harassed. I am a XXXX Veteran with a XXXX XXXX and it is affecting my mental health. How do I get this to stop. I paid what I negotiated back in 2020. I am now being told that XXXX is fake, and all sorts of other lies. ( XXXX has done nothing wrong and have been excellent ). 

Please help me in this matter, perhaps you can find out whom the original buyer that holds the debt that keeps trying to get more money out of me and get that person ( s ) to stop harassing me. 

XXXX XXXX
Product: Mortgage

I had a mortgage through Penny Mac. This loan was an FHA loan with mortgage insurance. I paid off the loan on the XXXX of XXXX. I was charged mortgage insurance and interest for two months when calculating the amount needed for closing. Interest for XXXX and the entire month of XXXX though it was paid off on the XXXX within the grace period for payment of the loan and mortgage insurance supposedly for XXXX and XXXX paid in XXXX and XXXX, again the payoff was received within the grace period for paying the payment. 
Also I analyized the escrow account for the entire period of the loan and the amounts paid in the the escrow plus the initial amount in from loan inception, less payments made do not come to the total refunded to me after closing. 

I would like someone to review the mortgage as I feel I have not received all of the funds due when the loan closed. 

The loan number is XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I was locked out of my Coinbase account due to changing phones. I sent in all of the necessary paperwork on that. It 's been almost two weeks and I have n't heard a peep from them. I have over $ 50k in the account and ca n't access it nor do I have an update from them at all. I 've sent emails repeatedly, tried calling to no avail, sent messages to their support on XXXX and XXXX to no response. They 've done nothing and have told me nothing while they are holding my money and not letting me sell or get my money off the platform. I do n't know what else to do.
Product: Credit card

I applied for a card online and received a confirmation of application. American Express emailed me the notice attached to this complaint which did not contain the terms of the agreement, a link to details, or anything of the sort. I clicked the link with the expectation that this would lead me to an offer details page, terms of the credit card agreement, or similar. Instead, after clicking the link it just stated that everything is complete and my credit card is on the way. 

I contacted the company and they responded that all they could do is cancel the card. Meanwhile, I have a hit on my credit report, etc. 

I found their practice to be highly deceptive, without clear disclosures of what I was signing up for.
Product: Debt collection

Hi, I am filing a complaint against Simm Associates. This debt collection company was hired by XXXX XXXX XXXX to claim a debt that was owed as a result of a private loan to attend school. I have communicated with XXXX you told me this would happen and in an attempt to negotiate and inform them that I was not financially able to pay at that time, they decided to choose the debt collection route. This company, Simm Associates, reached out in XXXX of 2019 and began calling requesting that I start paying what was due. In XXXX of 2019, they threatened to withhold wages because I was not making payments. It was then that I began to inquiry more about this company. I asked in XXXX what the name of the company was, what debt I owed, what my minimum payment was, and if documentation could be mailed to me to verify the debt was legitimate. The person on the phone agreed so I made a payment to ensure that my minimum would stay low in price. The month of XXXX ends and no paperwork had been sent and no one had called so I began to call to see what had happened. Every time I called I could not reach anyone. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back. At this time I am calling weekly. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back. By this time I am calling 2 times a week and still not receiving a call back. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back in regards to my debt. I am still calling 2 -3 times a week. At this point 5 months have gone by with no documentation verifying my debt or tracking the reduction of my debt. On XX/XX/2019, I called and spoke to someone about mailing documentation and the person I spoke to said they would call me back. Today is XX/XX/2019 and I have not got a call and my XXXX payment is approaching. I am giving them to Friday to reach out before I inform my bank to not allow the money to be transferred. I believe that I have been scammed for 5 months and now I am filing a complaint with this company.

This is the website of Simms Associates and the number they provided. 
https : //www.simmassociates.comXXXX XXXX
Product: Mortgage

My real property note was sold on XX/XX/XXXX with the corresponding servicing transferred to ShellPoint Mortgage Service. They claimed being unaware of insurance on my the property at this time, even though the declaration was provided to them by the former servicer and by myself. I received numerous statements from ShellPoint that the property didn't have insurance, even though continued declarations were provided by both my insurance company and myself. Repeated conversations with customer service and content from my account login provided both oral and visual confirmation of said proof. Furthermore, renewed insurance was procured and with the annual amount paid in full on XX/XX/XXXX. On XX/XX/XXXX, an additional payment of {$140.00} was made from my escrow account by ShellPoint to XXXX XXXX XXXX XXXX. Repeated phone calls and email to customer support has yet to provide an explanation to this charge, behavior and the ShellPoint escrow policy under the terms of my note agreement. Thank you for you attention to this matter.
Product: Debt collection

Frontline has infringed up my rights to privcy as a consumer. They are in violation of the following sections of the Fair Debt Collection Practices Act.

1. 1692b ( 2 ) 2. 1692 ( a ) 3. 1692b ( 5 ) 4. 1692 ( d ) 5. 1692 ( d ) 2 6. 1692g ( c ) 7. 1692e ( 14 ) 8. 1692c ( a ) ( 1 ) 9. 1692c ( a ) ( 3 ) 10. 1692c ( a )
Product: Money transfer, virtual currency, or money service

Venmo froze My account on XX/XX/2022. It is a business account and on Friday, XX/XX/2022 I had use my business account with several people sending me money for products from my business that included note stating what the product was for and it aligns with what my business is listed as on Venmo. The amount frozen is {$2300.00}. They did send me an email asking for my ID even though they already had my XXXX number. I went ahead and took a picture and uploaded it and emailed back. They said it would take 3 to 5 business days when the ID was received for them to look it over and sure that it was me and unfreeze my account. However it has been over seven business days I have called them every day they can not tell me how I have violated their terms. Ive asked for a specific rule that I violated and they just give me the senates we dont want to speculate on what you did. I have told them that I am a business I have a XXXX number. I have been in business for over 10 years I have a website and still they just kept repeating the same thing over and over again. Ive had two people tell me they escalated the problem and it should be done within a few hours and it still is not. They said the only way To speak to those representatives is via email but nobody responds to the emails that Ive sent daily. I have orders do that I can not fulfill Because of my account being frozen for no reason. As of right now Im still waiting on the money Im not sure I will ever see it. They also froze my personal account which has {$160.00}. My business account is fairly new within the last 6 months. However my personal account have been opened for a few years.
Product: Vehicle loan or lease

I didn't receive my notices of rescission in accordance with truth in lending laws from Toyota Motor Credit Corporation. I also sent them notices about a third-party service contract that was included in my finance charge. I requested a warranty on my vehicle that i assumed Toyota was providing. They gave me a service contract that wasnt worth having. They failed to properly offer a proper resolution and I rescinded the contract. My contract and paperwork States that I have no cooling off period and nothing in my paperwork states I have the right to rescind. This is in direct violation of truth and lending and federal law. I mailed them a " Notice of Rescission ''. The first notice was mailed in XXXX. I also mailed a Cease and Desist Notice. The information is still on my credit report 6 months later with the balance still increasing.
Product: Mortgage

SPS has agreed to my modification request ; I want to modify my loan so that the XXXX XXXX is eliminated while continuing to impound my taxes and insurance as before. To wit, I know that the interest rate will go from XX/XX/XXXX % to about XX/XX/XXXX % or XX/XX/XXXX %, XXXX - year fixed so I am making sure that this happens in a smooth and reliable manner. I am have already submitted the XXXX form ( attached ) and will keep the CFPB and XXXX updated on the progress of the modification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Account Number # XXXX I am writing to formally dispute the above-referenced account in my credit report, which has been reported as Verified. I firmly believe that the account is inaccurate and requires immediate investigation and deletion, if necessary, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have requested that the send me of they were able to verify that this account belongs to me, and how it was accurate. The bureaus Equifax, XXXX, and XXXX have yet to deliver the information that I requested. 


As per the FCRA, 15 U.S.C. 1681i, the credit reporting agencies have the obligation to conduct a reasonable investigation into the disputed information within XXXX  days of receiving the dispute. Additionally, under the FDCPA, 15 U.S.C. 1692g, I have the right to request validation of the debt, which should include verification of the original creditor, the amount owed, and the date the debt was incurred. 

This debt is not mine and I have no contract with this company, and they have not provided any proof.
Product: Credit card

We have had a USBank XXXX credit card for many years. On or about XXXX XXXX US Bank called us about XXXX questionable charges that were on our card and we informed the caller that all three were not made or authorized by us. Because of this we started checking our account online and found that on XXXX XXXX XXXX of the fraudulent charges, a XXXX XXXX charge for {$980.00}, reappeared on our statement. Since that time we have called USBank XXXX or XXXX times and talked to a fraud representative and each time we were told the contested amount would be removed. Most recently, XXXX XXXX we called as the charge was still on out statement and was told that a 'case processor ' would call back within XXXX hours. We called again on XXXX XXXX because the account due date is XXXX XXXX and was told the same thing, that a fraud claim was open and someone would call within a couple of days. As of the due date the amount is still on our account. We are XXXX XXXX XXXX and have a XXXX credit rating that we want to preserve so any action from the cfpb to assist in resolving this claim is greatly appreciated.
Product: Checking or savings account

on XX/XX/XXXX bank of america charge from my checking account {$1300.00} and {$120.00} for legal fee. {$1300.00} is taken from Assessor Board Change of XXXX XXXX County. ON XX/XX/XXXX county of XXXX XXXX refund me full amount {$1300.00} because they charge me by mistake. after I got refund from them, I called the Bank of America to get {$120.00} service charge refund because whole situation was a mistake. unfortunately, they refused to give me money back because they say they did the all the paper works for the city to let the government to take away my money even thought they know its a mistake by government. Its really unfair for me. i felt i got robbery by bank of America for no reason. I don't understand why they have the right to charge me legal fee. bank should ask city to pay {$120.00} instead charged from my account.because they do the paper for city not for me.. 
but they refuse to give me money back. they want me to ask city to pay their service fee. 
, or i have to pay. and city won't pay this fee because they already credit back full amount to me of what they charge me. and city ask me to ask bank to refund the money because they are the one took my money now. 
I want to know if there have any way i get my money back. I show bank the latter that city send to me about the error they made. bank just shows me that is not their business. they did the paper work. so they have to charge. 
its so unfair.
Product: Credit card or prepaid card

I had XXXX personal credit cards with Capital One back in XXXX. In XXXX of XXXX, I applied for a Business credit card for my business. Less then a month later, Capital One placed A fraud restriction on all four of my credit cards. I called and they advise I needed to send in proof that I have a legitimate business. I sent in my states sellers permit, my taxes, bank statement, & LLC at least twice a month since XXXX of XXXX ( and still sending currently ) proving I have a legitimate business. I faxed them all the documents they asked for including uploading them from a link they sent me. They advised it takes 7-10 business days to receive and review the information and my case manager will give me a call. Ive been calling THEM twice a month since XXXX of XXXX and every representative I speak with say, XXXX going to email your case manager and make sure they call you. Ive never received a phone call, email, letter, nothing since XXXX of XXXX. XXXX of XXXX, I checked my credit report and saw Capital One closed all XXXX of my personal credit cards which had nothing to do with the business credit card. I spoke with a manger on XX/XX/XXXX. He advised well the case manger who has your account no longer her works for the company. Ive been trying to get this resolved for a whole year and my accounts have been closed out due to there mistake. This is still an ongoing situation a whole year later and nothing is still being resolved. My payments have been on time every month, they keep saying we will send a document link every few months even tho they are confirming they are receiving my faxes but nothing is getting processed. XXXX still paying on all four credit cards that I can not use and this matter is still revolving a year later with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX, Source Receivables Management, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

This is my fifith complaint. 
I do not consider the matter closed. 
As I have stated my account was closed as part of a Covid 19 payment program to bring my outstanding balance back into good standing. 
In good faith, I have now brought my account into good standing for some months now and you refuse to reopen my account. This shows bad faith. 
I was never informed that once closed that my account could not be reopened. I do not see that detail in any of the small print associated with the opening of the account. 
I have had other credit card companies close my account for the same reasoning but they have allowed me to reopen the account once in good standing. 
Why are you different. 
I was a good customer for many years with an excellent payment history. 
The pandemic has caused economic hardhsips for many Americans of which I am one. 
How can you expect me to just accept this and continue to make payments without the proper use of my card? 
You offer me no alternatives so I am going to seek legal aid for your usury practices and possible claims filing. 
In the meanwhile I am not going to be making any more payments until this matter is resolved. Please do the right thing!
Product: Credit card or prepaid card

Synchrony Bank performed an unauthorized unfreezing of my account and allowed miniscule money to be deposited to settle a claim regarding over charge & double charge nonetheless invoice fraud & potential fraud. 
Total initially charged 10min apart bills= ( 1 ) $ XXXX+ ( 2 ) {$770.00} = {$1900.00} Unauthorized deposit= {$200.00} Dispute was never settled. 

I ordered : Queen bed= {$650.00} Dresser & night stand= {$400.00} Deliver & tax= {$1200.00}