23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Submitting for XXXX XXXX. Set up mortgage with Rushmore Loan Management Services in XXXX CA. Loan interest rate was to be based solely on XXXX XXXX Standard Modification Interest Rate ( XXXX ). Last year was at 4 %, paid on 4 %. Currently the XXXX is 3.41 %. Rushmore is saying I must pay on a 5 % loan. Tried to explain to customer service and management there how it works. No one can help, said will note and have someone contact within 30 days. XXXX XXXX, Payment is due, rate is up, payment is way up-getting no response to fix. Calls to Rushmore go unheard. This is criminal! Have been reading all the complaints to the XXXX etc. on this organization. Please assist if possible. Thank You! XXXX XXXX
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I have a negative 28points meaning 28 points subtracted from my Equifax credit score for XXXX XXXX it reads a remark is added to your account from XXXX  XXXXI called XXXX XXXX I was told everything was fine on there end. I called Equifax ( thats the only one reporting this so far XXXX they said it came from XXXX XXXX. I have a XXXX balance and never been late on this account opened about 2 years ago. Im trying to buy a house and this information is not correct.
Product: Credit reporting or other personal consumer reports

Per the CFR Article 8 As a federally protected consumer I am now opting out of all and any authorizations per CFR 313.7 and I the consumer may have written you, written, unwritten, verbal, and non verbal per 15 usc 6802.

I am seeking compensation for damages, public humiliation, and violation of consumer rights. 
Proof of claims are in the uploaded files.
Product: Consumer Loan

The financial institution I am dealing with, Citibank, has missapplied funds which I sent in a timely manner to pay this loan and I can not seem to get any help removing late charges I was charged due to their mistake. I have sent payment which was supposed to be credited to this account and was mistakenly credited to an old, closed account which Citibank could not transfer to the right account. As soon as I was made aware of their mistake I requested a refund and sent another payment which was credited correctly, however, there were 2 times this happened and I was charged late fees I would like refunded as I was at no fault in this matter. I have sent letters and made numerous calls without any luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I have sent dispute letters to XXXX Equifax and XXXX and I also sent a 30 day demand and comply these credit bureaus are report inaccurate information and have not sent any results at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity
Product: Debt collection

Checked credit and saw an account from collection bureau of ft Walton beach for XXXX XXXX in the amount of {$210.00}. I never received any correspondence about this debt. I was a homeless vagrant for a few years with no medical insurance.
Product: Mortgage

PNC Bank Housing Complaint due to Bankruptcy and Foreclosure - Financial Elder Abuse Financial Elder Abuse as the PNC Bank XXXX XXXX XXXX XXXX amount of {$900000.00}. Both PNC HELOC loans were part of the {$900000.00} PNC Bank SCAM/FRAUD XXXX I submitted several Hardship Applications to the PNC Bank Loan Hardship Division : PNC Bank, XXXX XXXX XXXX XXXX XXXX XXXX. The division Single Point of Contact is XXXX phone no. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The division email address is : XXXX. The Loan Officer, XXXX XXXX can be reached at XXXX. 

PNC Bank has declined to assist me with the Hardship Applications to date for the HELOC Loan, XXXX. Please note the PNC Bank HELOC loan was part of the {$900000.00} PNC Bank SCAM/FRAUD XXXX 

I recently contacted PNC Bank, President/CEO XXXX XXXX XXXX concerning an online PNC Bank SCAM/FRAUD in the amount of {$900000.00}. PNC Bank response was : 1. ) I was responsible for the SCAM/FRAUD 2. ) PNC Bank refused to apologize for the SCAM/FRAUD 3 . ) PNC Bank refused to acknowledge that someone at the bank knew intimately about my checking and savings accounts and stole my money 4. ) PNC Bank refused to acknowledge that an Audit of irregular activity occurred 5. ) PNC did not conduct Know Your Customer ( KYC ) on my accounts 6. ) PNC approved the International Wires XXXX XXXX XXXX XXXX XXXX XXXX possible Terrorism ( This is a Federal Offense ). 7. ) PNC Bank closed both my checking and savings accounts due to Suspicious Activity. 

PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office of the Customer PNC Bank OfficeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To whom it may concern, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my JCPenney account ( managed by Synchrony Bank ). On XXXX, I mailed check # XXXX to JCPenney XXXX Synchrony Bank to pay off the balance however, on XXXX the check was deposited by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) to a Misc Deposits account, despite I have never had an account with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). 

After opening 4 disputes with JCPenney XXXX Synchrony Bank ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my JCPenney account, due to the check not being cashed by SYNCHRONY BANK but being cashed by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ( Please see attached check for confirmation ). 

XXXX XXXX XXXX suggests, due to the deposit type ( a remote deposit ), additonal research should be conducted by both XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and JCPenney XXXX Synchrony Bank via pulling their remote deposits from XX/XX/2022 and confirming the check is on the Remote Deposits Report. 

To resolve this matter, I am requesting XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), issue a check to pay the balance of {$880.00}, in addition to all interests and fees that have occurred from the time XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) deposited the check and collected debts without a reasonable basis, until the resolution of this complaint. 

Thank you for your assistance in advance.
Product: Vehicle loan or lease

My payment plans have been changed numerous of times on my behalf however by the payment management plan has been changed the monthly balance still applied each month in which it have been giving me late balances on my payment which I have being trying to catch up. I was told that Im not paying enough towards the balance which I dont understand. Im paying XXXX bi-weekly and the XXXX is still being added towards the account. Some part of the balance was payments where being made and the monthly payment is still being added. To the account I have been asking to speak to someone about the account in financial department and not being able to do so.
Product: Mortgage

I am a closing attorney and closed on a VA loan with XXXX XXXX with Homeowners Financial. XXXX repeatedly directed me to share information with a non attorney in fact, non-borrower, and non-purchaser of this loan. XXXX was unprofessional and unethical, claiming that her company approved an unexecuted power of attorney for use. When I refused to comply with XXXX and her teams unethical and possibly fraudulent requests, she and her staff verbally threatened to " pull '' the closing from me and for the borrower to switch title companies. XXXX and her team has me email closing documents for electronic signature to an email address that did not belong to the borrower or the purchaser on the contract. The realtor charged a VA borrower a broker transaction fee and the lender allowed this charge to remain. The borrower received a refund at closing and XXXX directed me to mail the check to an address where the borrower was not located so that his spouse could endorse the check and deposit it. I do not think that XXXX XXXX and her team follows any rules or regulations. We closed on XX/XX/2023 and I am located in Florida. When the check did not arrive in North Carolina, the borrower and purchaser is currently station in California, XXXX and her team accused myself of stealing the borrower 's funds. Yesterday I personally spoke to the borrower and he apologized for XXXX 's behavior as he had no clue that this was happening " on his behalf ''. XXXX and her team works for Homeowners XXXX and her NMLS # is XXXX. I believe that XXXX 's actions during this closing is a pattern of having non attorney in facts sign closing documents and receive loan information that they should not be privy to. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX XXXX provided me with a Lien Release and a XXXX for the Discharge of Debt on my 2nd mortgage. 
Prior to XX/XX/XXXX, I paid the full reinstatement amounts required by XXXX, however, the payments were not recorded accurately or timely on my loan which resulted in additional reoccurring late charges on my account. 
Some of my dates/amounts of wire transfers to XXXX are XX/XX/XXXX for {$1300.00} and XX/XX/XXXX for {$460.00} and {$430.00}. The dates and notices of short sale and foreclosure were also not in compliance with regulations. 
XXXX attempted to rectify the errors by providing me with a Lien Release due to their litany of violations. However, they are still reporting my loan as a Charge-off, with excessive late payments. This Charge-off or Short Sale is preventing me from closing on a mortgage now. The entire XXXX account needs to be removed from my credit report due to their own errors.
Product: Credit card or prepaid card

This is a continuation of complaints XXXX and XXXX. 

I still have not received the refund I am owed even though it was promised by XX/XX/2023. I tried calling XXXX ( extension XXXX ) who had previously reached out to me but he did not return my call even though I left him a message. 

I'm honestly embarrassed for USAA that this still hasn't been resolved. I'm marking this complaint as public so others can see the utterly shameful way USAA has failed to address this issue despite repeated promises to do so.
Product: Credit reporting or other personal consumer reports

Experian half failed to remove all my hard inquiries as the law requires within a timely manner, the fair credit act, the law requires my credit score and information is updated on a monthly basis to prevent inaccurate information on my credit report
Product: Debt collection

I am reporting this company for the fraudulent debt they are trying to collect from XXXX XXXX, to which I DO NOT OWE.! Ive never had a contract with XXXX as Ive never been there ever. Ive tried to explain this to both them and XXXX, to which XXXX agreed to accept the FTC Affidavit but Sentry is being ridiculous. I never signed any contract with them or XXXX XXXX. A few years back my personal identifying information was stolen from me and Ive had to maneuver and get other fraudulent accounts dealt with, and this is no exception. Ive given this company numerous opportunities to rectify this situation, to which they have all but spit in my face, and told me good luck.. Ive never been so disrespected in my life. Ive seen these people delete others stuff with easeIve seen them tell others about satisfying the account or getting it deleted out right.I dont owe any money at all, like not a dime. But tell me what itll take to get your fraudulent trade line off my credit reportsme bringing formal litigation against you all? Or will you all stop being childish and just delete that fraudulent trade line of my credit reports? This is ridiculous how Ive never even got the validation that I asked for. Because you are supposed to have provided that a long time agoso it should already be removedDelete your fraudulent trade line off my credit reports ( XXXX, XXXX, XXXX ) immediately or face the consequences. I want to know how to get Sentry credit off my credit reports so I can finally move on from all of this.
Product: Payday loan, title loan, or personal loan

XX/XX/2018 I paid off my car loan. On XX/XX/XXXX, I created an account with XXXX XXXX to verify that it was showing paid in full. At that time I discovered that I had 3 accounts that I was unaware of on my credit report. Those accounts were : XXXX XXXX XXXX account # XXXX, XXXX XXXX # XXXX and Mobiloans # XXXX. Unfortunately, I havent checked on my credit in Years. At that time I contacted an Attorney via my XXXX XXXX to discuss the matter.

He instructed me to report this to the Federal Trade Commission which is Federal Law Enforcement, to request my credit reports via the credit bureaus and to file a complaint with the CFPB. I made the Identity theft report via FTC and the report # is XXXX. In addition, I received my XXXX report in the mail yesterday.

I am very confused as my credit report is showing that the above mentioned accounts were opened over a Year ago and in 2 of the cases it appears that payments were made at some point. I have never applied for a XXXX XXXX, or XXXX XXXX nor given anyone permission to apply for one on my behalf. I was an authorized user previously. I have never applied for a loan with Mobiloans. I have not had a need for a loan in that I make a very comfortable salary and have limited debt.
Product: Credit card

A hold was placed on my account. They state once merchant completes transaction money will be placed back in my account. 
The merchant has completed and reversed the transaction. I have got the authorization code for transaction as well tried to give to CashApp and they refuse to do anything or try to resolve this. Ive already contacted XXXX  and have been referred to you Cashapp is saying it may take 31 days to release my money. They are falsy stating once merchant completes funds will be back in account. Which Is a lie and this has been completed and still no access to the funds. This has caused hardships as far as missing Dr. Appts, no food to eat because the money they took overdraft the account and I had to pay a overdraft for something that shouldnt take this long. Original transaction was XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have 4 accounts with incorrect payment status. XXXX has already corrected, and XXXX shows a processing status. Submitted disputes and followed up 4 times over the past week ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX ). The online dispute system shows a confirmation upon submission, but disappears the next day. Contacted Dispute Center over phone and they confirmed they do not see a dispute submitted. Nor can they accept supporting documents for stated dispute. And I can not add them after they accept the dispute over the phone, as once they associate submits the dispute, it is locked. Their dispute system is effectively broken for anyone with supporting documentation, which should actual help the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with Penfed federal credit union, this loan was set on AUTO pay, when i realized there was a late pay reported on my credit I called them and they told me they attempted payment and it didnt go thru, no one called me no phone call, no emails, no mail letting me know my auto pay was removed. I spoke with a representative and she was able to withdrawl late payments from their records.
Product: Vehicle loan or lease

I tried to check with Rock Solid Funding LLC to see if I can take with someone from their agency to get a loan for an RV and they ran my credit twice without my approval
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Good afternoon, According to 15 U.S. Code 1692c - Communication in connection with debt collection. 

Date : XXXX Portfolio Recovery Associates/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( c ) Ceasing communication 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 the consumer with respect to such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX Account # XXXX. In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have submitted all required documents asked for and they still have not removed this from my account. After I sent in the supporting documents, they closed the dispute and left it on my report. Here I will upload payment history and how it does not match with whats reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On Saturday XX/XX/2022 I noticed my checking account balance was unusualy low...... .upon checking account transactions, I noticed a withdrawal in the amount of {$2400.00} by Chime4 which was not authorized and who I never done business with before. I contacted Chime at XXXX, I spoke with a gentleman, explained my complaint, he requested private information such as social security # which I refused to provide over the phone. Matter was not resolved since he could not help. I am XXXX XXXX XXXX on a fixed income, it is a significant amount to lose for me, please help, thank you.
Product: Debt collection

Upon checking my credit report. I see that your company is stating that i owe for a insurance collection that is not mines. I have constantly called XXXX to report that i had identity theft. Yet they was still telling my that i was constantly paying out of my account. I was not paying out of my account for any insurance. I do not have a car to which i would need insurance for. I am really trying to handle this without proceeding to legal actions. I had this going on due to my mother and ex girlfriend getting my information and putting multiple things in my name. I am asking for a refund for any money that was received from my bank account and for this collection to be removed
Product: Debt collection

Midland Funding c/o XXXX XXXX XXXX has actioned in District ct of XXXX, MI civil collection of a debt they have from the date of XXXX 2015 refused to validate under federal law. This company has acted capriciously to collect on a debt not owed and/or validated to be owed and too refused to validate they have right to recovery of debt for third party by being purchaser of the debt by proof of a valid contract of the debt purchase. These actions also violated the consent agreement XXXX XXXX. XXXX -CFPB XXXX by CFPB administrative adjudication