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

I am a victim of identity theft, and several fraudulent accounts and inquiries have been unlawfully added to my credit report, as documented in my FTC Identity Theft Report ( Report XXXX. XXXX ). The fraudulent accounts include two with XXXX  ( Account Numbers : XXXX, XXXX ), two with XXXX ( Account Numbers : XXXX, XXXX ), and one with XXXX XXXX XXXX ( Account Number XXXX XXXX ). These unauthorized activities, some dating back to 2019, have resulted in fraudulent loans, collections, and inaccurate reporting, causing significant harm to my credit. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be investigated and blocked within four ( 4 ) business days of receiving this complaint. I further demand that all related collection efforts cease immediately and these accounts be permanently removed from my credit report.
Product: Money transfer, virtual currency, or money service

{$6200.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 

I handle business for my company for several months utilizing paypal with no issues. 

At one point my supplier was late sending a product shipment. This cause many people to file complaints. As the products came in a shipped them out ( with tracking ) asap, but many were late. 

About 160 days or so prior to XX/XX/2020 my account was put on hold and I was told I had to wait 180 days to receive my funds. On XX/XX/2020 Paypal neglected to follow through with their original promise and deducted EVERYTHING from my account to credit themselves, unjustifiably. 

I contacted them on multiple occasion and have yet to receive a valid explanation as to why they took my funds and caused my business to fail in the promise
Product: Mortgage

On XX/XX/2022, I received a good-bye letter from Freedom Mortgage informing that my loan servicing was being transferred to XXXX XXXX XXXX XXXX XXXX XXXX. The letter is dated XX/XX/XXXX. As of this complaint, XX/XX/2022, I have not received a welcome letter from XXXX XXXX XXXX XXXX XXXX XXXX. It is my understanding that I should have 15 days notice from each company and this only gives me 5 days from Freedom & 0 days from XXXX. In addition, my loan with Freedom is in process of being paid off. I feel that is why my loan is being sold. They are doing this to cause confusion & make it difficult for the loan to be paid-off. I called Freedom on XX/XX/XXXX and spoke with XXXX, ID XXXX, and asked if my automatic payment that is set-up with Freedom would be automatically canceled or if I needed to cancel it. She was not confident in her answer when she told me that it would be canceled. Because she told me it will be canceled, Im expecting a payment not to be drafted on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach, fraud, or unauthorized activity. I request verifiable proof, including my signature or electronic signature, for any transactions or inquiries associated with these entries. 

Please note that I am submitting this letter on my own behalf, not through a third party. I ask that you carefully review this matter, as I did not authorize these actions. These unauthorized entries represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking of information resulting from a data breach or fraud, and Section 604 ( 15 U.S.C. 1681b ), which defines permissible purposes for consumer reports. 

I have already contacted the relevant companies and discovered that these actions were initiated without proper validation or original documentation from the reporting entities. Since I did not authorize these accounts or inquiries, they should be classified as a result of a data breach or illegal reporting by creditors or third-party data furnishers. 

I request that you conduct a thorough investigation into this matter and take appropriate action to resolve these discrepancies as soon as possible.
Product: Mortgage

I saw a new report about the company. 
I looked at my account and discovered that even though my interest rate is 2.875 %, the principal going to my mortgage is {$460.00}, the interest is {$550.00}, the escrow is XXXX. 
I even added an extra XXXX a month to help pay off the mortgage early. 

My upaid principle balance is the same as the amount I paid on my home 3 years ago. 
At this rate I can not pay off my mortgage in 30 years, which was promised. 
I am hoping you can assist me. 
Thank You for what you do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account on my credit report shows my old account was closed after a settlement, I did not do any settlement. I paid in full when I closed my account. 
I sent XXXX the letter from XXXX, where its says this account will be considered paid in full I paid a total of {$160.00} on XXXX XX/XX/2021 I spoke with XXXX at XXXX recovery department ( her team number is XXXX ) on XXXX XX/XX/2021 XXXX from XXXX customer service documented on my account ********** I also called XXXX  several times, sent them all the documents they need, they are still putting account was closed in a settlement which is not correct. 
Please help me to remove this from my credit report. 
I hope you understand. 
Thank you. 
Sincerely ~ XXXX
Product: Mortgage

We attempted to get a VA mortgage from New Day XXXX and after 6 weeks they just were not a able to get their act together and move to the Processor. So we switched to XXXX XXXX. Now XXXX XXXX needs the VA Appraisal and New Day XXXX is refusing to release the Appraisal to XXXX XXXX and we may miss our closing date. New Day XXXX just is not responding to our requests.
Product: Money transfer, virtual currency, or money service

What are you talking about I just got my ID from the XXXX it's brand new I even got the letter it came in this is so sad and crazy that this situation is even happening for a company as big as venmo if you looked and what I been through in the last month with you customer service agents from being hung up on ... talked to crazy and then you have the nerve to yell me I can't touch my money for 180 days when you company frozen my verified account I verified my account with you guys before the money was transferred into my account becau as e I needed it for a down-payment on a Aptana was assured everything would be fine and it's been nothing a nightmare ever since and then you make me take pics of my new ID and of me holding it and after tell me 180 days and close my account why even take the pics why you guy are the frauder stelling my money and my info was told on the start of this ordeal that it Would take 6 days called over at Least 5 times and was told every time to be patient and wait another 3 days and the last I waited 7 days to see of you guys would even call me and nothing and when I called XXXX was promised a without? Have access to my account today and get an email after she requested pic of my ID 180 days that insane for a mistake done on you part you keep telling me your verifying but the funny thing my account was verified already. Before you froze it like on the app of told me I was all set you verified you customer service agent assured before the person sent the money there that I was fine and then send the money there and do a couple transfer and you freeze My account and then put me through he'll for s whole month is insane you do this to XXXX people I have seen the reviews but you know what My accountbwas varies already this a mistake was done on your part but what do you expect from a company who can't even organize there own emails I have gotten emails being called names that were not mine from your venmo mangers and in the body of the email there name is not even right you guys can't even send a simple email how do you have the responsibility of holding and transferring peolem money I just still can't believe this
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of unauthorized inquiries on my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent inquiries removed from my credit report.

The following inquiries were not initiated by me and should be removed immediately : XXXX. XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/year>
Product: Credit card or prepaid card

XX/XX/XXXX FRAUD CLAIM LETTER attatched USAA POLICY temporary credits provided until fraud investigation is complete ARE MADE PERMANET. Kindly note this claim date XX/XX/XXXX TOOK TEN ( 10 ) MONTHS TO COMPLETE INVESTIGATION TO MAKE CREDITS PERMANET. see attatched XX/XX/XXXX statement XX/XX/XXXX {$200.00} & {$280.00} TEMPORARY CREDITS ** ARE NEW PURCHASES ** I DID NOT PURCHASE XX/XX/XXXX?? Why are TEMPORARY CREDITS ( no time to have been made permanet yet ) REPLACED WITH NEW CHARGES I DID NOT AUTHORIZE?
Product: Mortgage

As the subprime mortgage crisis was peaking during XXXX, we relocated to XXXX in XXXX, XXXX, for employment purposes and executed a home mortgage on a residence here. With the increases in loan demand due to easy initial lending practices during that period, housing demand was sharply stimulated to exceed housing supply and, unbeknownst to me at the time, my XXXX mortgage was based on an artificially-inflated property appraisal value. 
This subprime mortgage crisis was a nationwide banking emergency that coincided with the US recession of XXXX XXXX - XXXX XXXX. In XXXX and later, financial settlements with homeowner mortgage relief components were reached with major financial institutions, regulators, and credit agencies to settle claims related to unfair, deceptive, and fraudulent predatory lending practices during this period. A list published in the XXXX XXXX XXXX XXXX ( XXXX ) shows the Biggest Bank Settlements. 
I, like thousands of other Americans, still need your help with mortgage principal reduction programs. We 've paid every monthly payment so far, but now that I 'm recently retired, my monthly mortgage payment has become an increased burden for us at nearly XXXX percent of my monthly budget. 
In XXXX XXXX, XXXX XXXX took on HUD and FHFA for their failure to act : " These XXXX XXXX investors made money by crashing the economy, got bailed out and now they 're back to feed at the trough again, scooping up these loans at rock-bottom prices so that they profit off them a second time - and it is up to us to stop that! '' She scolded FHFA chief XXXX XXXX for postponing action on principal reduction for struggling homeowners. 
We need your help to restore the middle class and promote " true '' economic growth by returning " stolen '' money to those who were " robbed '' by greedy financial companies during the subprime mortgage crisis. You can make a real contribution to the American middle class, rather than to Wells Fargo Chief Executive XXXX XXXX 's {$19.00} XXXX in compensation by acting NOW. 
To date, I have n't received a letter, telephone call or any contact information explaining how any of these and other settlements with financial institutions, regulators, and credit agencies will provide my family with mortgage principal relief on my bloated XXXX home mortgage. I 've been contacting my elected officials about this issue for more than three years and they have been unresponsive and dismissive. Now I read in the XXXX ( XXXX XXXX, XXXX ) that accumulated US Justice Department fines from these settlements might be diverted quietly to other budgetary needs. 
Apparently the Consumer Financial Protection Bureau is our only hope. Where are all the funds from these settlements now? How can I access the funds from these settlements for mortgage principal relief? 

Attachments : 1 ) XXXX XXXX XXXX ( XXXX ) shows the Biggest Bank Settlements 2 ) XXXX XXXX, XXXX XXXX took on HUD and FHFA 3 ) XXXX ( XXXX XXXX, XXXX )
Product: Credit card or prepaid card

Re : CC # XXXX Purchases at XXXX XX/XX/XXXX for $ XXXX blocked by Barclays, also at XXXX XXXX 1 hour later. Contacting Barclays claimed under The US Patriot Act, failure to update my info, though every company I dealt with ( Barclays too ) were informed my new address in XXXX including Federal Govt and its relevant agencies. No other companies request updating my info since XXXX, except Barclays, which I refused. Barclays never will provide proof they requested updated info, prior to blocking purchases with the JetBlue Credit Card # XXXX. The account showed OPEN with Credit Reporting Agencies, when in fact, Barclays placed a BLOCK on my use of it, a lie. 
Barclays sent me credit cards/bills, were paid in full. However, my check # XXXX ( {$550.00} ) dated XX/XX/XXXX, mailed same date to Barclays XXXX XXXX XXXX, XXXX, PA.XXXX took 23 days for Barclays to process, they charged {$29.00} & interest late fees, which I refused payment and they cancelled charges. Barclays has dishonest, crooked employees. I have not moved since XXXX. When I do, all will be notified. Subsequent bills showed Barclays received/processed payment in 6 days from my Bank 's statement.
Product: Debt collection

On XXXX XXXX XXXX I sent a request to validate an alleged debt that I discovered on my credit report because I was looking purchase a home. I requested documentation for my record also advised them if they satisfied my request that I would have no issues with satisfying the alleged debt. 
I also said if they did not respond within 30 days that they were admitting to several violations. It has now been more than 30 days and because I wanted to remain honorable I am sending them an official notice of fault, just in case it was lost in the mail or they forgot to respond. 

There is also an invoice that I sent regarding the violations that would be in-acted after 30 days of no response. I will have all documents attached with this filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
XXXX XXXX XXXX XXXX {$3300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT SYNCB/BRANDSMART/  XXXX XXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT SYNCB/WALMART/ XXXX XXXX XXXX {$560.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX/ XXXX XXXX XXXX {$380.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / XXXX XXXX XXXX {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT SYNCB/ PORTFOLIO RECOV ASSOC {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX BANK {$400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

According 15 U.S.C 1692c c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with consumer with respect to such debt.
Product: Credit card or prepaid card

I apply for XXXX credit card and they forgot to call me according the federal law and I called on XX/XX/XXXX to check the status on my application and I was told to send in a full bank statements three months worth tons of pages and cause more money out of my pockets if I was to do this then well fargo need to reimburse me this is too expensive and sending fax can cost me a fortune and I cant afford that would like another verification instead of sending tons of paper to the bank
Product: Mortgage

Selene Finance taught me the lesson very clear. If there is a issue only CFPB can help. I have been reached out to them about the statement issues 5 time and nothing is done. After filling the complaint with CFPB at least there is some movement even Selene Finance is still not providing the right service to my mortgage. 

My mortgage payment was {$1500.00} for more then a year before Selene Finance took over. 

The first coupon Selene Finance sent me has the same payment amount {$1500.00}. Please see attachment 1 for reference. 

Which I have been sending the {$1500.00} payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. This {$1500.00} should be break down as Principal, interest and {$290.00} for Escrow.

Selene Finance dropped the Escrow which should be included in the monthly payment from {$290.00} to {$60.00} without any agreement with me. They also mark my Escrow Balance as - {$410.00} on the statement date XX/XX/XXXX. Please see attachment 2 for the reference. 

I am not asking Selene Finance to provide me any special assistance but just the right service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter.
Product: Credit card

I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX, account number XXXX, dated XX/XX/scrub> 2023, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Debt collection

I was contacted by the company last year and XXXX, I told the company that the debt was not mine, but they still sent it to collections it was {$5800.00}, I have recently gone to the original apartment building and they have started that they don't know what I'm talking about and I shouldn't have been given any charges. There was a mix-up and I have been going after the apartment building this entire time trying to get proof of valid debt. The ledger they showed me was not proof but rather what the apartment WRONGFULLY gave them an amount I never owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a theft affidavit and police report in regards to fraudulent accounts and the accounts were not removed and blocked. I did this on more than one occasion. This is a violation of the FCRA. 

THE ACCOUNTS ARE : XXXX XXXX  XXXX XXXX  MY ADDRESS IS INCORRECT. IT SHOULD BE XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX AS MY ID SHOWS XXXX
Product: Debt collection

Carter-Young Collection Agency sent me a letter dated XX/XX/XXXX stating money is owed on an apartment rental for my ( at the time XXXX student son, which had been paid. My bank sent a letter saying it was paid. No contact was made to me by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating any amounts were owed on my son 's account, prior to the Carter-Young collection letter. 

XX/XX/XXXX : I sent a letter to Carter-Young Agency requesting proof of debt and authorization to by XXXX XXXX  to send me a collection notice, via U.S. Postal Service via Certified Mail Receipt XX/XX/XXXX : XXXX XXXX signed for receipt of my letter requesting proof of debt. 

I have Copies of Collection notice, Certified Mail Receipt and signed receipt by XXXX XXXX attached. 

I was not provided with proof of debt by Carter-Young. 

The negative reporting is still present and showing on my XXXX, XXXX  and XXXX  credit bureau reports.
Product: Credit reporting or other personal consumer reports

XXXX ] Issue : This account is reporting a late payment, but it contains inaccurate information and is not consistent across all three credit reporting agencies. This violates my rights under the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681e ( b ) : You are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report.

15 U.S.C. 1681i ( a ) ( 5 ) : If the results of your reinvestigation find that the information is inaccurate or can not be verified, it must be deleted from the file. 
Due to these clear inconsistencies and errors, I am requesting that you either : Correct and update this account so it is 100 % accurate and verifiable across all three credit bureaus, or Remove this account entirely from my credit report, as required by federal law if accuracy can not be confirmed. 
Please provide me with the results of your reinvestigation in writing within the 30-day period as mandated by the FCRA. I have also included relevant documents supporting my dispute. 
Thank you for your prompt attention to this matter.