23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed this account twice and requested validation not verification of this account. I just keep receiving a bill with my name and balanced owed. I have no knowledge of this account and requested my signature on documents that obligates me to pay the bill. I also requested delinquency date for this account as it has bee n RE  AGED several times without notice to me. Im requesting that they send me the requested information or delete the account from all  XXXX  credit bureaus immediatly.
Product: Credit reporting or other personal consumer reports

I am disputing the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account and XXXX XXXX XXXX XXXX XXXX XXXX account on my credit report as inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ). These accounts are reporting as misleading and may negatively impact my credit. 

Under the FCRA : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires the deletion of any unverifiable or inaccurate information. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) mandates that furnishers update or correct incorrect data. 
15 U.S.C. 1681c ( a ) limits how long certain information can remain on a report. 

I demand an immediate investigation and removal and block of these accounts if it can not be fully verified as accurate. There are also inaccuracies in which XXXX nor XXXX is reporting these accounts.
Product: Student loan

I'm a XXXX  who is trying to apply for a PSLF student loan forgiveness. I've worked over 15 years in my district. I have had several loan servicers over the course of my consolidated loans. The current one, Moleha, was assigned to me this XXXX. They only have record of me paying payments since XX/XX/XXXX. I've always paid my loans; never late or defaulted. Now, the problem is XXXX and XXXX, my previous servicers, never sent any of the previous payment info out to Mohela. I do have some billing statements from XXXX  proving payment over a period of roughly 2 years. I also have bank statements. None of this information is available to the new servicer and they won't accept it as proof. XXXX  is out of business and XXXX is saying there is nothing they can do. 

I qualify for this loan forgiveness. I've made payments over many years since the program started in XXXX. I was in the wrong payment plan and like many, didn't find this out until XXXX. The XXXX have a limited time waiver for people like me. But how can I prove and get credit for my payments when the XXXX don't know anything, the servicers are out of business to provide the proof and all I have is a few years worth of records. 

I keep getting the run around on this.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024, I purchased a XXXXXXXX XXXX XXXX XXXX and XXXX financed it. A few days later, I was called out of town for business. Before leaving I made several unsuccessful attempts to access XXXX 's portal for payment processing. 

I was gone for several months and my neighbor was collecting my mail. Since I had no idea of the situation, 30-60 days were approaching ; XXXX never contacted me by phone or email about my situation and they were not receiving payment. 

When I returned home, read my mail, I contacted them. The account was new and I was informed of a viable solution. Days later I got a call and the agreement that was made had been rescinded. The representative completely reversed course. 

The representative was corse, abusive, argumentative, and uncooperative. After a stalemate, I even told them they could come and retrieve the mower. they chose not to. 

In conclusion, all efforts to fairly negotiate failed. No honest effort on their part was made to be honest or fair.I
Product: Credit card

Upgrade has been making several unwanted calls to my number, the last calls were received today, XX/XX/22, from XXXX XXXX XXXX XXXX. Currently, my account is not past due or over limit, no reason for these calls. I request calls stop.
Product: Debt collection

Dear Consumer Financial Protection Bureau ( CFPB ) Team, I am filing an urgent complaint regarding an unauthorized and fraudulent collection account reported by Credit Management LP on behalf of XXXX XXXX, which has appeared on my credit report. This account is a direct result of identity theft and is causing significant distress to my financial standing. I want to assert that I have never conducted any business or held an account with XXXX XXXX at the address associated with this collection account. This discrepancy indicates a clear case of identity theft, which has unfairly impacted my credit history and overall financial well-being. The presence of this unauthorized collection account has created an erroneous and unjust impact on my credit report. I am formally requesting the immediate removal of this account from my credit report. Additionally, I insist that all collection activity related to this account by Credit Management LP cease immediately. It is evident that the reporting of this account violates the Fair Credit Reporting Act ( FCRA ) due to its fraudulent nature, and I firmly believe it infringes upon my rights as a consumer. I demand prompt action to rectify this situation and to restore the accuracy and integrity of my credit report. Enclosed with this complaint, you will find supporting documentation that substantiates the claim of identity theft and the erroneous reporting of this collection account by Credit Management LP. I urgently seek your intervention to investigate this matter and ensure the immediate removal of this fraudulent account from my credit report. Additionally, I request your assistance in halting all collection activities associated with this account. Please do not hesitate to contact me should you require further information or supporting documentation. Thank you for your immediate attention to this matter. I eagerly await your prompt resolution and assistance in addressing this issue.
Product: Checking or savings account

On XXXX XXXX, I went on the Citibank website ( Citibank.com ) and accessed the Bill Pay feature to make a payment to my XXXX XXXX XXXX credit card ( Card # XXXX ). The eBill payee was set up as XXXX XXXX XXXX in XXXX, DE and funds were supposed to be remitted immediately. On the last page, the website stated XXXX/XXXX/XXXX as the payment date when the payment would be taken out of my checking account. I remitted {$110.00} from my checking account with Citibank to pay my XXXX XXXX XXXX credit card. On XXXX/XXXX/XXXX, {$110.00} was taken out of my checking account but nothing was posted to my XXXX XXXX XXXX credit card account. I called customer service at Citibank at XXXX and spoke to XXXX, a customer service supervisor overseas who told me that the funds were disbursed to XXXX XXXX XXXX and could never be reversed. She told me that it will be posted to my XXXX XXXX XXXX credit card account on XXXX/XXXX/XXXX which is a Monday because XXXX/XXXX/XXXX was on a Saturday. She also told me that she would call XXXX XXXX XXXX to confirm that the funds were en route to the right account but she did not. She then transferred me to a customer service supervisor at CItibank in the US who stated that the transaction can not be reversed and the funds will be posted to my XXXX XXXX XXXX account on the next business day. I then called customer service at Citibank at XXXX on XXXX/XXXX/XXXX and spoke to overseas customer service representatives who told me that the funds would be posted to my XXXX XXXX XXXX credit card account on XXXX/XXXX/XXXX. However, on XXXX/XXXX/XXXX, I checked my credit card account with XXXX XXXX XXXX and noticed that the funds taken out of my Citibank checking account were not disbursed as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted SEVERAL disputes for this lender to all the bureaus and nothing is being done. I have submitted evidence supporting my claim only for it to not be removed from my report. My. score dropped by 70 points because of this error. XXXX XXXX did NOT send the the correct billing statement for 2 months after I returned my lease. I submitted a dispute about this in XX/XX/2019 and it was removed from my Experian report but not the other 2. I realized that later on and wanted XXXX XXXX to update that information showing NO late payments to the other bureaus as well. What did they do? The added the negative information BACK to my Experian report. What does XXXX have to say about their negligence? AM I supposed to suffer because of their mistake??? what is going on here? WHY is my account noted as 30 days late when I had wear and tear insurance that COULD NOT PAY the claim because of an error on XXXX 's part?? The insurance company could not pay the claim because XXXX put the incorrect amount on the BILL!!! no matter how many times I called and the insurance called they never fixed it until the end of XX/XX/2019!!! I got the bill XX/XX/2019 and the insurance paid it within the hour!! This was already explained and rectified in 2019 so why is it being re-added to my report?? I want an explanation and I want it removed ASAP. THIS IS A CRIMINAL OFFENSE AND I WILL SUE! Enough is enough. DO NOT FINANCE THRU XXXX!!! THEY WILL RUIN YOUR CREDIT EVEN IF YOU PAY EVERY MONTH ONTIME WITH AUTO PAY!!!
Product: Credit reporting or other personal consumer reports

In violation of the Fair Credit Reporting Act ( FCRA ) the below listed accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I am filing a formal complaint regarding violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) by Experian and the associated furnisher of information. After reviewing my recent Experian credit report, I discovered several inaccuracies related to the accounts listed below. These inaccuracies have had a detrimental effect on my credit score, and the involved parties have failed to comply with federal law, specifically the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) : Experian is required to follow reasonable procedures to ensure the maximum possible accuracy of the information it reports.

15 U.S.C. 1681i ( 5 ) : This provision outlines the obligations of consumer reporting agencies to delete or modify any inaccurate or unverifiable information after reinvestigation. 

15 U.S.C. 1681a ( b ) : The reporting and handling of my personal information have violated my federally protected rights to privacy and confidentiality These inaccuracies have caused undue harm to my creditworthiness and financial standing. Despite my efforts to resolve these issues directly with Experian, the inaccurate information remains on my report. I request that the CFPB investigate these violations and ensure that the reporting agencies and furnishers are held accountable for their non-compliance with the FCRA.
Product: Money transfer, virtual currency, or money service

venmo has issued a new user agreement ( https : //venmo.com/legal/us-user-agreement/ ) the only way to opt out of arbitration is via printing and mailing a form ( https : //help.venmo.com/hc/en-us/articles/360062640153 ) this is a fully online company. this is an onerous burden designed to make it too difficult for people to retain their full legal rights for recompense against Venmo
Product: Debt collection

My sister-in-law and brother-in-law both received a call from someone claiming to be from ACM stating they have received a potential claim forwarded to them attached to my name and ssn. They want a statement from me. The lady said her name is XXXX XXXX and can be reached at XXXX, ext. XXXX. 

I have attached a recording of the voicemail left to my brother-in-law. Both calls to them were asking for me. My sister-in-law answered the phone but stated there was no XXXX XXXX at the number they called, which was her cell phone. My brother-in-law was in a meeting so it went to his voicemail. He never called back but forwarded me the voice mail recording which I have attached to this complaint. 

I do not know what is going on and this is the first I heard of this, but research has shown that this company has shady practices.
Product: Mortgage

We have had multiple issues with our escrow account through LoanCare and XXXX XXXX. They are by far the worst servicing company I have ever experienced, through over 5 separate mortgages we've had. First, they refunded us $ XXXX from our account that needed to be used for taxes. When the taxes came to be paid, we waited for them to send us the notice to pay back the amount and it never came ( the funds remained on the side as we knew it had to be paid back. ) We received our tax bill from XXXX XXXX and they had to make adjustments to the value ( decreasing the amount due by appx $ XXXX ) and I've submitted to the loan servicer multiple times in the last 30 days so they can update our escrow needs. They continue to tell us it will be reviewed but in the meantime are trying to have us pay the higher amount towards our escrow. When the letter finally came regarding the $ XXXX, they did not give us an option to pay that alone, and just adjusted our mortgage payment by $ XXXX. 

Due to the constant errors in our escrow account, we've continuously placed requests to delete our escrow account and we would pay accordingly with XXXX XXXX and insurance company. They keep making excuses why it can't be done, saying the case will be " escalated '', and nothing happens. We have called over 10 times in the past 10 months to try and have the issue resolved. They told us we'd need a new appraisal to confirm we had 20 % equity in the home, so we confirmed we'd pay the fee and to order it. We called on several occasions over the last year to know when the appraisal would be ordered/completed and no one could answer. They told us a letter would be mailed with the cost and to sign off but a letter never came. 

This has been ongoing since we closed on the property since XX/XX/2021. We can not get ahold of anyone, the numbers we agreed to pay are incorrect, our tax escrow is incorrect, and after multiple requests to have everything resolved we are ignored, passed off, and lied to about why they can't help. We just want this fixed and to pay the proper amount on our mortgage. We've never missed a mortgage payment in over 10 years, have plenty of liquid assets, and no reason why we can't correct these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Attention : XXXX XXXX Department Dear Sir or Madam, RE : Investigation into Fraudulent Accounts I am writing to bring your attention to a matter of both serious concern and urgency. It has recently come to my notice that two accounts have been fraudulently opened with XXXX XXXX XXXX, using my personal information without my knowledge or consent. This outrageous act of identity theft is not only a violation of my rights, but it also tarnishes my excellent credit history. 

Under accounts, which I neither authorized nor recognize, transactions have been taking place that are negatively impacting my credit scores with the major credit bureaus. I categorically deny owning these accounts and emphatically state that they are the nefarious work of an identity thief. 
Pursuant to 605B of the Fair Credit Reporting Act ( FCRA ), I demand that you immediately block these fraudulent accounts from my credit file. I am appending a copy of a police report that substantiates my claim of identity theft, furnishing the legal requirement per the FCRA.

Further, I request an expedited investigation into this matter and expect prompt deletion of these fraudulent accounts on your part. The unauthorized accounts should be removed from all credit reporting agencies, including but not limited to XXXX, Experian, and XXXX. 

Failure to act promptly and dutifully to this request will leave me no choice but to take the necessary legal action to protect my rights. I am ready and willing to cooperate and provide any additional information you may need during your investigation. 

I anticipate a swift resolution to this situation, reinstatement of the truth, and restoration of my credit standing. 

Thank you for your immediate attention to this matter. 

Yours Sincerely, XXXX XXXX Attachments : Copy of Police Report
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Cell, XXXX XXXX Home phone XXXX United States Congressman , Mr. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : VA Loans and Refinancing To the Honorable , Mr. XXXX XXXX During this global pandemic the fact that your congressional office actively reaching out to our community at this time is very reassuring. 

Early XX/XX/2020, I applied for a VA refinancing loan from Union Bank. At the onset of the application I was advised not to include the income that I received for hosting an exchange student at my home. 

My VA refinance application ( Union Bank Loan Number XXXX ) has been pending over 90 days without resolution. I have paid my own appraisal fee and pest inspection fee prior to the latest closing disclosure dated XX/XX/2020. 
My cash out has been reduced from {$80000.00} to {$19000.00} with the same monthly payment. Most of the XXXX Veterans ( like myself ) own one home and has lived in XXXX County for a long time ( 39 years ) and subsist on their VA XXXX as their primary income. I ( enjoy ) hosting international students as supplementary income for the unexpected expenses and I have been hosting for 10 years. 

I applied for my loan before the pandemic and I am grateful that financial institutions are in place, making loans and providing general banking needs, however, I do not want people losing their homes to fancy math. I have lived through the US predatory loans era and the market recession of XXXX. 

Every eligible veteran applying for a VA loan should be entitled to the lowest interest rate loans on the market. Ive owned my home for 15 years, never late on my mortgage-yet the loan process has taken more than 90 days to get the loan to the disclosure stage. 

I am praying for the ( VA ) loan process to be streamlined and fairly dispersed, so that individuals like myself can prepare for our families within this pandemic. 


Sincerely XXXX XXXX My questions Is it true, that as the interest rate has been lowered, Union Bank charges a higher interest rate for refinancing VA loans? 
Ive paid for my VA appraisal {$600.00}, pest inspection {$150.00} and re-inspection {$99.00} as I have filed this complaint can they cancel my loan? What protections from retaliation does a borrower have? 
Every time a closing disclosure is issued does that cost the borrower money?
Product: Credit card

On or about over three ( 3 ) years ago tried to withdraw money from my debit card, file complaint with the DIRECTEXCPRESS, but they said that three was fraud and can not discuss anything with me. I kept calling them, and they kept me going to multiple people at their company, and never refunded my money. This money supposed to be my Social Security> I complain to social security, but they said that was a problem that DIRECTEXPRESS must resolve. I sent multiple letters to them, and they continue no to solve my issue. I believe they owe me over {$14000.00} and they do not release it. My Direct Express car # is XXXX XXXX XXXX XXXX. They do not permit me to get a new PIN Number. This issue being going on for three years.
Product: Prepaid card

On XX/XX/year> at XXXXXXXX XXXX XXXX XXXXXXXXXXXX I XXXX XXXX, made a large purchase at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX 
Phone number : XXXX Store XXXX XXXXXXXX I specifically went in for XXXX {$500.00} gift cards it was for XXXXXXXX XXXX XXXXXXXX. I bought all XXXX gift cards along with other things. well all XXXX cards was defective i called the number on the back of the card and the customer support team stated that they can replace XXXX cards but the other XXXX was not replaceable and she had to create a case. in which she did and told me that i would receive a email update in XXXX days. Well, that was a lie, after multiple calls and emails it just went on and on for months and months. I continued to visit XXXX XXXX  about the situation but still nothing. finally Vanilla gift card tells me they are not replacing my cards I need to go to XXXX and have them to void the transaction. I don't know what to do. I've again returned to XXXX with this voided transaction information that Vanilla gift card has stated and they are clueless and stated that their system will not let them do anything about it. I've called XXXX and a case was created and nothing happened there either. Please help me! How can I retrieve my {$1000.00} XXXX  back?
Product: Credit reporting or other personal consumer reports

XXXX stole absconded misappropriated and embezzled return of all money I offered to cancel this fraudulently induced loan. They breached the contract terms and illegally unlawfully and intentionally stole this money from check XXXX to stuff their pockets at my ongoing sever emotional physical and spiritual harm. Remove debt and return the money to XXXX you criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX  XXXX Balance : {$8500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00}
Product: Debt collection

XX/XX/XXXX portfolio recovery and I agreed thru their financial department to pay {$130.00} per month to payoff an {$11000.00} XXXX debt,,,,,, on XX/XX/XXXX started the process of refinancing my home to payoff debt and found portfolio recovery on my credit report as delinquent every month. Since XX/XX/XXXX I have been paying the agreed amount thru direct payment withdrawal the current amount owed is {$6800.00}. Spoke with XXXX XXXX and XXXX XXXX of portfolio recovery in the finance department who advises there is nonthing they can do ... .. all occurred on XX/XX/XXXX at approximately XXXX XXXX... ....
Product: Checking or savings account

I had an issue with using my debit card at a restaurant on Wednesday, XX/XX/XXXX. The transaction kept being declined though the funds are clearly available in my account. I was finally able to contact the bank about the issue today, XX/XX/XXXX when another declined transaction reminded me of the issue. I first spoke with a representative named XXXX XXXX in the chat feature on the BMO app. I was explaining the issue and the representative was speaking as if he/she was giving me options, saying : 'if you did not lock your debit card I can freeze the account and have you go down to the branch and close the account and open a new one. ' That came across as stating what COULD be done and XXXX that required my authorization. I did not authorize the freezing of my account because I wanted to transfer my funds from the account to pay my bills. This XXXX XXXX took upon themselves to freeze my account; therefore locking me out from logging in or having any access. I called and spoke with XXXX at XXXX on XX/XX/XXXX. I kept being placed on hold instead of being given a solution to access MY money. It is now almost XXXX pm where I reside and of course, there are no branches open to go in and take care of this. Consent should be given before they take measures on someone's account. Before I was locked out of the account, I was able to go through the transaction history and there were no unauthorized transactions or any issues that I could see, so why such drastic measures be taken without taking any of that into consideration. This is extremely inconvenient and now I will be late paying bills and possibly have reverse transaction fees applied because any payments that hit this account will be returned. Who will reimburse me for that?