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

There are XXXX errors on my XXXX and Equifax credit reports. They are as follows XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These XXXX accounts are not mine and have to be removed off of my XXXX and Equifax credit reports ASAP. My XXXX  report is free of all false information and shows my true consumer potential.
Product: Credit card

Discover, I am writing regarding the credit card application ending in XXXX I submitted electronically on XX/XX/XXXX, which I understand has been denied. I have communicated with you in the past in the CFPB complaint case # XXXX trying to resolve this issue amicably. Which, you were not willing to reconsider the application even after me explaining that I do not gift nor abandon securities of mine at any time. While I was waiting patiently for you to act in good faith by returning my deposit. As I was not informed of the specific deposit amount or the terms for its return at the time of application denial, I am formally requesting the immediate return of any deposit or securities held in relation to my application. 
Pursuant to the Electronic Fund Transfer Act ( 15 USC 1693 et seq. ), and the Truth in Lending Act ( 15 USC 1601 et seq. ), I expect a prompt and full return of all funds associated with this application. Please provide detailed information on how these funds will be returned to me, including the total amount to be refunded. With documentation proving the amount is accurate and in full. Including any interest that you may have gained now from something that was not yours, possibly trying to unjustly enrich yourselves while I was patiently waiting for my deposit back. 
I would appreciate a response confirming the action you will take, and the timeline for the refund, within 10 business days upon receipt of this notice. If the refund is not processed within this timeframe, I will consider further actions, including but not limited to legal actions, filing a complaint with my states banking regulatory agency, FTC, etc. in which I am letting it be known in this notice that every day that goes by it is causing me XXXX XXXX, financial harm, and other harm as well as time and energy I can not get back. Furthermore, pursuant to Gramm-Leach-Bliley Act ( GBLA ) of 1999, please send me documentation on the steps you have taken to protect my private information. If you fail to do so please provide me a statement under penalty of perjury that you are not selling my personal information on secondary markets. 
Thank you in advance for your immediate attention to this matter. Im looking forward to your prompt response and the resolution of this issue. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX  I filed XXXX XXXX  bankruptcy for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are currently still reporting as they need to be removed immediately due to credit reporting act 15 usc 1681 ( 4 ) as the following accounts have been discharged in my bankruptcy and currently causing me a financial hardship by remaining on my credit report and a violation of my privacy 16 CFR 313.10. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. 

I have attached the court proceeding certificate of my bankruptcy for reference.
Product: Debt collection

This item was Disputed and removed then XXXX  sold by XXXX XXXX XXXX for fraud and violating the no surprises act
Product: Bank account or service

In XXXX XXXX, the XXXX XXXX XXXX XXXX, XXXX. 
Opened an Account at the US Bank to Host a Conference and addeded the XXXX XXXX 's officers as co-signers on the new account. 
We requested at that time to honor only those checkss with XXXX signatures on it. Unfortunately, XXXX of signers opted to act as a long ranger and went to various USBank and branches and withdrew {$10.00}, XXXX during a period of 22 days. No one at US Bank bother to notified any of the other XXXX signatories on the account. We asked why it was allowed, we were told that she is XXXX of the owners on the account. We were also told that 's not their policy to monitor and/or check for XXXX signatures. 
I requested a copy of the original signature card to verify that we requested XXXX signatures on withdrawnals USBank never disclosed to the XXXX originals signers that they could onlyhonor only XXXX signers. Had that disclosed to us initially, we would have opted to go to another banking institution. 
It has been five days since we made a request from USBank to no avail. The only print out we received from USBank was on XXXX/XXXX/XXXX with XXXX XXXX and XXXX XXXX name on it. 
It has been 5 days since we requested the original signature card from US Bank to no avail. 
The only document that was given to me was that of XXXX XXXX, XXXX with XXXX XXXX and XXXX XXXX signature on it and the below resolution on it : Resolution of Non-Profit Association, Lodge, or other Similar Organization ( continued ) Authority to open accounts, make deposits, and withdraw funds ( Must have XXXX signatures to withdraw funds ) - The XXXX XXXX XXXX. 
Point # XXXX : To the extent that they only could produce the authorization of XXXX signatures ( XXXX XXXX & XXXX XXXX ) how could they officially know that XXXX was authorized to withdraw money from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account without any proof on file? 
Point # XXXX : The XXXX XXXX XXXX ) original signatures ' cards not available with XXXX XXXX, XXXX XXXX and XXXX XXXX names on it. Banks should be able to produce the original within hours of customer 's request, if not on the spot. 
XXXX # XXXX : US Bank never disclosed to the original XXXX XXXX XXXX ) signers that they would honor only XXXX signature on checks written. The reason why the XXXX XXXX XXXX XXXX allowed both XXXX XXXX XXXX XXXX XXXX to be authorized to sign jointly with both XXXX XXXX or XXXX XXXX to ensure accountability. 
Point # XXXX : The XXXX XXXX left US Bank On XXXX, XXXX with the impression that No one signature would be allowed to withdraw funds from the bank account that was set-up especially for the XXXX XXXX Conference under the XXXX ( c ) XXXX non-profit belongings to the XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Checking or savings account

I was told that I could not open an account with Bank of America because of a delinquent account from 2011. But I am only XXXX years old so common sense should tell them I could not have opened an account with them in 2011 because I was still a minor in 2011. 

I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

There are accounts as old as 2011. 15 US Code 1666b. 15 US Code 1692c. 15 US Code 1601. I never gave permission. The companies XXXX, Transunion, and XXXX have put numerous soft pulls when using their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all XXXX credit bureaus challenging the factual and accurate reporting of this account that is showing up on my credit report XXXX...... i have contacted them XXXX times and each time it comes back as verified as accurate ... ..how is this possible when there are multiple inconsistencies in the reporting between the XXXX bureaus???? i have attached a copy of the report with all of the inconsistencies circled ... ..they did not conduct proper investigations and are XXXX  ME the consumer ....
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that XXXX XXXX AND XXXX XXXX hasverified that I have an delinquent account. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX and XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX and XXXX XXXX regarding this alleged account. 

account number XXXX account XXXX
Product: Mortgage

To : The Freedom Mortgage Team I would like to share an interaction with an employee of freedom Mortgage. I will share additional details below, the major concern is the approach and demeanor I was addressed with, that was in sharp contrast from Freedom Mortgage XXXX  and Values, start with well-being and improvement of our customer livesas well as US Veterans which I am XXXX XXXX XXXX XXXX 
I am asking for a review of the conversation on XX/XX/year> @ approx. XXXX XXXX, with what I am referring to a XXXX XXXX customer service ( XXXX ) person, I believe her first name was XXXX, she mentioned would add notes to my file, information provided below. 
The initial contact XXXX person was very good, however, could not provide the required assistance, I asked for a supervisor was transfer to XXXX, I hope she does not represent Freedom Mortgage values. 
The propose of this correspondence is a review of recording on XXXX, with level XXXX XXXX  Basically, I was asking about rescinding the negative credit report for a missed payment, due to the fact the payment was made in a timely fashion, per Freedom Mortgage records. 

For others to read, based on my experience.XXXX Do not use Freedom Mortgage for all locations, very poor customer service personnel at all levels, even reported my experience with Freedom Senior management team, the upfront persona does not match the actions of this company. 
In the event they purchase your loan, Sorry. They purchased our loan, now I have a much lower credit rating, due to their actions. Please, keep your sanity. DON'T USE FREEDOM MORTGAGE for any mortgage business. If you do, you won't be satisfied!
Product: Mortgage

Selling a small portion ( XXXX acres ) of woods behind the neighbor 's lot to said neighbor. 

All partial releases, surveys, appraisals, documents have been met over the last two years ( SPS - Select Portfolio Services - servicer for mortgage loan ) - keeps delaying responses from loan holder - which they forgot to register in MN for over a year .... 
SPS and investor are stating the I must pay investor in order to get sales approval. A new condition after two years. Remaining property value is 7x asset to remaining mortgage liability. Their request for 35 % payment upon woodland sale on remaining mortgage ( which the CFPB successfully helped me in 2012 with XXXX XXXX ) - although new loan holder is a last-minute condition. My financial advisors ( friends for over 30 years - state they've never heard of the last-minute condition, especially for the high remaining value of the remaining property. I am a XXXX female, XXXX, receiving SS XXXX income only. The property has been in the family for over 80 years and only a small back wooded area ( unbuildable ) is being sold to the neighbors. 
SPS ombudsmen 's # has been no help : # XXXX. MN mortgage law firm was brought in to help, since SPS is their client and they state they have no control over SPS timing - MN mortgage # XXXX XXXX XXXX XXXX contacts XXXX
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in regards to reporting, including incorrect amounts and dates.
Product: Debt collection

After receiving my consumer report from Equifax, I noticed a few fraudulent inquiries and accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating claim and disputing the fraudulent inquires and accounts. Equifax is still reporting the negative/inaccurate accounts on my consumer report. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Equifax willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Equifax is civilly liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.
Product: Credit card

When my husband and I needed to replace our home 's heat pump two and a half years ago the company replacing it offered financing through Synchrony Bank as an alternative to paying up front. After a little over two years we decided to take out a personal loan through another bank and one of the conditions of the loan was that we pay off the balance that we owed on the Synchrony loan, about {$2000.00}. The bank gave us a check to send in to Synchrony, which we did, XX/XX/XXXX. Since it was close to the due date for the loan we also logged in online and made our monthly payment, figuring we would get a credit and they 'd send us a check for the overage. I called Synchrony to let them know about the situation and was assured that it would be resolved within 10 days of them receiving the check. When the credit did n't post as expected, I began contacting Synchrony. Over the last two and a half months I have called Synchrony over a dozen times and been told everything from, " it looks like someone is working in your account right now, so that is probably the check being deposited, '' to, " We have no record of EVER receiving a {$2000.00} check (! ) '' I gave them every bit of information they asked for, including faxing in the cashed check showing that they had deposited it XX/XX/XXXX. Every time that I called they told me a longer processing time to receive whatever information I 'd sent and once that time frame had passed they implied that it was my fault things were taking so long for not following up sooner. ( I faxed something in on Monday and called to let them know to expect it, they said it would take up to 24 hours to process into my account. On Tuesday it was, " it takes 24-48 hours, '' on Wednesday it was, " It usually takes 72 hours, '' on Thursday it was, " If you faxed it on Monday why are n't you calling until now? '' ) It was not until I threatened to just have a lawyer handle the entire situation that I was finally transferred to a proper manager, who was able to find the payment within minutes. I ca n't help but think that they must be milking XXXX other people, most of whom do n't have the option of turning it over to a lawyer and just end up getting bilked out of doubled payments or late fees on something they 've already paid in full for.
Product: Money transfer, virtual currency, or money service

Hello, A friend tried to deposit money into my Venmo account several weeks ago and he said that my account wasn't there anymore. He had made multiple payments to me in the past, the most recent one that went through was XX/XX/2022. The total amount that was in my account was {$200.00}. All deposits were made from XXXX XXXX in 2022. I had set up an account back a few years, but never used it until this year. The deposits were all made this year on XXXX XXXX {$25.00}, XXXX XXXX {$25.00}, XXXX. XXXX {$50.00}, XX/XX/XXXX, {$50.00}, XX/XX/XXXX {$50.00}. I never made any withdrawals from the account. I don't find any policy that says you have to withdrawal. I was planning to withdraw yearly, but I guess that plan hasn't worked for me and I do not plan on using Venmo ever again. 

The following is what Venmo sent me when I inquired and my money is not in the XXXX  XXXX XXXX, so far anyway. A most recent transaction of XX/XX/2022 doesn't seem like an inactive account to me. I also never received the emails they are referring to. 
Thank You XX/XX/2022 Venmo XXXX You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 

Hi XXXX, XXXX from Venmo XXXX here. I'm glad you contacted us regarding your account status and I'm more that happy to assist you. 

I've taken a look into this situation for you, and we show your account was cancelled due to inactivity and there were unclaimed funds in your Venmo account. In situations like this, we send XXXX email notifications before the funds leave our system. At this time, the funds are no longer with Venmo and the account has been closed. 

Since the funds have already been turned over to your state, you will need to go through Utah 's XXXX Funds process to collect the funds you had in Venmo. 

Hope you are clear. If you have any other issues in the future, please let us know. 

Best Regards, XXXX XXXX | Venmo Support XX/XX/2022 Venmo Help You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 

Hi XXXX! 

XXXX here from Venmo XXXX! Thank you so much for reaching out today regarding inactivity policy of Venmo. Let me help you resolve this concern! 

The escheatment process takes place when an account becomes dormant for a time period which is specified by state law, typically between three to five years.

I've taken a look into this situation for you, and we show there were unclaimed funds in your Venmo account. In situations like this, we send two email notifications before the funds leave our system. At this time, the funds are no longer with Venmo and the account has been closed. 



Since the funds have already been turned over to your state, you will need to go through XXXX  's XXXX XXXX  process to collect the funds you had in Venmo. 



Thank you for being a valued Venmo user. If there is anything else we can assist you with please don't hesitate to let us know. Have a wonderful day! 

Best, XXXX XXXX | Venmo Support
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Card Services response to CFPB complaint number XXXX did not address all of my issues. 

The account was charged-off in XX/XX/2019. The account is reporting the charge-off in XX/XX/2019 but also for twenty-one ( 21 ) consecutive months thereafter. An account is charged-off ONCE. It may not be charged-off monthly. Once charged-off, it should not show an active payment history. 

Wells Fargo Card Services is manipulating the payment history to intentionally damage my credit report.
Product: Credit reporting or other personal consumer reports

A copy B for Debtor was received 1099-C sent by XXXX XXXX confirming payment of the charged off account that has the balance of {$11000.00} which i will attach separate from this letter this is confirmation that the debt has been settled and needs to be removed and not shown as charged off. I am requesting this account for this balance to be removed from my credit report as settlement has been established by both parties and XXXX XXXX XXXX continue to report to XXXX, XXXX, and Experian an account that has been settled I am requesting that this account with XXXX XXXX  to be removed from my credit report
Product: Credit reporting or other personal consumer reports

agency in violation due to lack of investigations on following accounts This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report I noticed that there is still account that is reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX XXXX XXXX Balance : {$150.00} Late Date August 30 days late.
Product: Vehicle loan or lease

On XXXX, I XXXX XXXX visited XXXX XXXX in XXXX XXXX, TX, and was assured she would serve as a co-borrower for her sons vehicle purchase. However, the dealership misrepresented her role, fraudulently listing her as the primary borrower without her knowledge or consent. 

The truck was in the shop for repairs twice, during which delays resulted in missed payments by the son, further harming my XXXX XXXX. 

A formal request was sent to XXXX XXXX to remove my name from the loan agreement. A return receipt confirmed the lender received this correspondence, yet no response has been provided to date. 

During a visit to the dealership on XX/XX/year>, a finance XXXX admitted to my stepdaughter that the roles were switched to make it work depending on the bank, acknowledging deliberate misrepresentation.
Product: Credit reporting or other personal consumer reports

This is regarding my previous complaints and identity theft case : ID FOR COMPLAINT SENT TO TRANSUNIONXXXX, ID FOR COMPLAINT SENT TO XXXX, ID FOR COMPLAINT SENT TO XXXX. According to the results given, the fraudulent accounts and inquiries were supposed to be deleted, but upon checking my credit reports, the fraud items are still somehow reporting. Could you please check and delete them completely from my reports?

Here are the fraud accounts and 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 XXXXXX/XX/XXXX Fraud 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. Delete these hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached my FTC reports, dispute letters, and IDs for your reference