23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I requested Ohio Revised Code SCRA benefits two years ago. The accounts were removed from my credit report so I assumed they honored my request. The week of XX/XX/XXXX I received a call from Portfolio Recovery Services attempting to collect the debt. I contacted XXXX XXXX to inquire about the debt and was told my SCRA request was incomplete and they would send me a letter requesting missing documentation. I received two letters. One letter stated that my account was sold to a third party and I needed to contact them. The other stated that I was ineligible because the account was opened on XX/XX/XXXX and I enlisted in XXXX. I am a resident of Ohio Note that Ohio extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. I have attached documentation of the revised code and the letters sent to me from XXXX XXXX denying the benefits. I do not have the total amounts owed on the card however I have have both case numbers.
Product: Money transfers

I submitted XXXX transfers to RIA Financial Services totaling {$3300.00} to my friend in XXXX, recipient of previous transfers from me. RIA Financial Services called to ask if I was XXXX. I refused to answer, because any acceptance or denial of service on their part based on my ethnicity or national origin would be per se discriminatory. RIA subsequently cancelled my my XXXX transfers, using as justification the fact that I was n't XXXX, and they only work with " family assistance. '' I am complaining that I was discriminated against due to my race, ethnicity and family origin.
Product: Credit card

XXXX XXXX XXXX XXXX {$390.00} XX/XX/2023, I ordered a bedframe, which was returned on XX/XX/2023, via XXXX and I was never refunded, the merchant received it and signed for it. XXXX has been aware for a while and constantly states I would be refunded but have yet to receive it. I have tried reaching out to discover via mail to no prevail and even calling but every time I call it states my call cant be serviced. But they can respond when I ask them to waive a late fee on my account. XXXX picked up the package and I even have them on video taking the package. Tracking number is XXXX XXXX XXXX XXXX XXXX & XXXXXXXX XXXX {$520.00} on XX/XX/2023 I was only refunded {$20.00} on XX/XX/2023, XXXX on XX/XX/2023, only a total of {$100.00} has been refunded so far. I am unable to reach Discover, which I find to be an issue especially if I can not call and confirm if they received my mail too. {$420.00} I have been trying to dispute with them. 

I have provided them the tracking numbers in my first complaint with the CFPB, nor did they address my issue of me not being able to call, I have a recorded audio from months ago of a worker stating she will block my number from calling hence every time I call Discover Bank it states my call can not be serviced. Discover Bank has been ignoring my claim. DISCOVER BANK allows its associates to block you from calling when you have issues with them.
Product: Credit reporting

On XXXX XXXX, 2015, I obtained a credit report for myself from Experian. The report shows XXXX potentially negative items & XXXXaccounts in good standing. 

On the same day, using Experian website, I started a dispute to remove a comment on my XXXX accounts with XXXX XXXX XXXX. Those were closed mortgage accounts but with a " consumer dispute .... '' noted on the accounts. They were all good standing accounts but with JUST one late payment reported and of which I did not agree. 

On XXXX XXXX, 2015, Experian sent me an updated report # 1. On the report, XXXX of the XXXX XXXX XXXX account, is NOW showing 15 months of 30 days past due and 1 month of 60 month past due. I called Experian and talked to XXXX who told me he would look into the matter. 

On XXXX XXXX, 2015, I got updated report # 2 from Experian. The negative items with XXXX XXXX from report # 1 were gone. But a new 3 months of 30 days past due and an unknown item now reported with another XXXX XXXX XXXX account. 

On XXXX XXXX, 2015, I called Experian and talked to XXXX who did not seem to understand my concern of the matter. I requested to talk to her supervisor and was told that the supervisor was not available and would call me back within 72 hours of business day. 

With no further response from Experian, on XXXX XXXX, 2015 I sent the company a certified mail requesting correction on the mistakes. And on XXXX XXXX, 2015 Experian sent me an another report ( # XXXX ). But the report is not updated and still showing the same mistake. 

I believe that Experian is responsible for the mistake as everything was okay until I requested the company to remove a 'consumer dispute ' comment from the closed XXXX XXXX XXXX accounts. Then incorrect information on the XXXX XXXX accounts are starting to appear.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccuracy on my credit report and bring to your attention your failure to comply with the requirements outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which addresses civil liability for negligent noncompliance with the statute.

Upon reviewing my credit report, I have identified the following inaccuracies that I believe are a direct result of your failure to maintain reasonable procedures to ensure the accuracy and integrity of the information provided : * XXXX XXXX XXXX ( # XXXX ) * XXXX XXXX XXXX ( # XXXX ) As per the provisions of the FCRA, you are required to ensure that any information provided to credit reporting agencies is accurate, complete, and up-to-date. I believe that your failure to comply with this requirement has caused significant harm to my creditworthiness, and I am requesting that you immediately investigate and correct this matter.

Under 15 U.S.C. 1681o, you are liable for any damages caused by your negligent noncompliance, which includes any failure to properly investigate disputes or maintain accurate reporting. Please be advised that I am requesting that the disputed information be reviewed and corrected accordingly. 
I expect a formal response within the statutory timeframe of 30 days as stipulated by the FCRA, and should the dispute not be resolved satisfactorily, I will not hesitate to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal recourse under 15 U.S.C. 1681o for the civil damages associated with negligent noncompliance. 
Please confirm in writing the actions you have taken to investigate and resolve this dispute at your earliest convenience. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint again to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX  XXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}
Product: Mortgage

Well you would think that we would have had enough with the last debacle with PNC regarding financing a home. I was assured and promised that if I gave PNC another chance it would be much simpler. That has proven not to be the case. 
I reached out to PNC to finance a home who I had originally financed through and had paid off in XXXX to pay for charges the city is mandating regarding the home be connected to the city sewer versus the septic it is currently on. 
I explained the property and the amount that was needed and started to go through the process then ran into some issues to say the least. 
I have been charged {$660.00} for an appraisal I never received on a Module home located at XXXX XXXX XXXX in XXXX XXXX that was originally financed through PNC. After I paid for the appraisal and had a lengthy conversation with the XXXX prior to him even coming to appraise the home explaining it was a module but was on a permanent foundation and on land that is owned, I was then told that PNC does not lend on module homes any longer and I would not be getting my full refund of the appraisal I paid for only a portion as I had to pay for the so called trip charge that was {$270.00} for him to drive from XXXX, Ohio to XXXX, Ohio which is XXXX miles or XXXX minutes. 
Then received a call from XXXX XXXX XXXX stating his apologies with Good news/Bad news information and then said he apologized but couldnt do the financing on the said home but definitely could do financing at a better rate on my home ( XXXX XXXX XXXX XXXX I use as a second and I agreed to then have that XXXX appraised. Not only did PNC not use the original XXXX I had originally paid but yet another XXXX and I was charged once again another {$500.00} ( money was taken off my credit card that was originally used for the first appraisal ) So XXXX weeks later and {$770.00} paid, I now still do not have a copy of either appraisals I have paid for ( {$600.00} paid XXXX/XXXX/XXXX with a credit back of {$330.00} on XXXX/XXXX/XXXX as I had to forfeit the so called trip charge as well as another {$500.00} on XXXX/XXXX/XXXX ) I am now being told that even though I own my houses all paid in full that I will need to do approximately {$20000.00} in work to obtain any kind of a loan on a home that has XXXX acres and was originally purchased for {$140000.00} for ridiculous repairs. Im being led to believe it isnt worth financing at all even with what the property alone is worth currently. 
Search XXXX XXXX XXXX Ohio properties for sale, including Farms, Ranches, ... the average value of land and acreage for sale in XXXX XXXX at {$23000.00} per acre. 
I would like both appraisals credited in FULL by PNC or be given both appraisals I paid for then I will be filing my grievance with CFPB/Consumer Financial Protection Bureau. 

I no longer want to do any further business with PNC and just want the money I have spent so far returned so I can work with a bank that is willing to help finance one of the homes I presently own in full. 
Sincerely, XXXX XXXX XXXX
Product: Bank account or service

Some XXXX made a duplicate copy of my debt card and made purchases in todays of a total of {$450.00} in XXXX, Texas. My bank contacted me to inform me of the fraud activities and I put a claim in to get my money back. I also cancel the card are will change my pin once I receive the new XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts that have appeared on my credit report. As a victim of a data breach, I did not authorize these accounts. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these accounts be removed promptly.

Fraudulent Accounts to Be Blocked and Deleted 1. 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
Product: Credit reporting or other personal consumer reports

After receiving response that my account/debt was verified. I sent in a XX/XX/XXXXletter on XX/XX/XX/XX/XXXXto all 3 credit reporting agencies regarding account XX/XX/XXXX (XX/XX/XXXX ) XXXXXX/XX/XXXXbased on 611a ( XXXX ) and 15 USC 1681g. These agencies have failed to respond and/or furnishing the requested information or documents requested or the process, who they spoke with, what documents they received, what records where checked, how the account was verified, or what was used to validate this debt with the creditor during the the reinvestigation and none of this information was sent to me via mail as requested in the XX/XX/XXXXdispute letter.. This is a violation of the FCRA. Also this creditor is in violation of 15 USC 1581. in this case there is unlawful deformation of my credit. There is no documentation furnished with my wet signature, no original contract, or nothing from me stating I gave my permission for this to be reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home loan and the lender ( XXXXXXXX XXXX ) received my credit report from XXXX. All 3 credit bureaus are still reporting activity as of this month on a closed account with the Police and XXXX XXXX XXXX XXXX. The account number ending in XXXX. This was a charged off account that was settled in XX/XX/2022 ; although the creditor did not report receipt of funds until XX/XX/2022. There has been no activity on this account since XX/XX/2022.
Product: Bank account or service

My accounts with Chase Bank were closed without notifying me. They may send a letter but by the time I get it the damage is already done. My son had some alleged fraud activity associated to his account which is a XXXX Account and is linked to me. My son spoke to Chase and they advised him of the fraud and did advise him that they were going to close his account and send him a check. He stated they told him that he could no longer bank with Chase which I thought was odd. I asked if he was telling the whole story and he claimed he was. I happen to check my account to confirm my mortgage payment had gone through and noticed my account did not look right. I called the XXXX # and put in my debt card number and this is when " I '' found out my accounts were closed. I spoke to a representative that got smart when I asked, " so you close my account without telling me? '' His exact words were, " I just did ''. At that time I requested a manager. He placed me on hold I just disconnected the call and immediately went to a local branch. They were not any help there either. I still have not found out why my account was closed or why they said I can NO LONGER do business with Chase. I have been with Chase for years and I can not believe they would do me like this. I have not done anything to make them do this. I looked up reasons as to why a bank would close an account and none of them pertain to me. I just want to be treated fairly and at least get an explanation as to why MY accounts were closed. I can understand closing the XXXX account ... .but why mine? My son is a member of the United States XXXX currently in New Mexico. There was a question about service member. I am not a service member but my son who also is affect is.
Product: Checking or savings account

Received a CHIME XXXX debit card in mail and called customer service number on back of card ( XXXX ) to close fraudulent account. I requested account to be frozen and closed immediately in which agent said it could take 3-5 business days. 

Agent would not provide confirmation the account was frozen, nor a confirmation # or ticket number for discussion. There were Managers or Fraud Department specialists to discuss.
Product: Debt collection

I received many calls and letters from Dynamic recovery solutions in the past month of XXXX and XX/XX/XXXX about a hospital visit in XX/XX/XXXX XXXX yrs ago even if if I did visit hospital I have no documentation to prove I would have destroyed those receipts a long time ago I also have been the victim of identity theft in the past and besides that I know that the statue of limitations has expired after XXXX  years if I did pay this bill in the past I don't have any receipts Dynamic recovery solutions XXXX South Carolina XXXXthey are calling everyone that has my name and giving out my personal information by telling me the last XXXX of my social and telling me my present and past address
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 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.

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 items 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 a reasonable cost to believe that this information is an inaccurate.
Product: Mortgage

Ocwen Mortgage has caused me to go into foreclosure. They have failed to apply my payments correctly. In fact when they filed the complaint in foreclosure, they were utilizing an old agreement. My loan was modified in 2014. Despite making payments under the agreement, they were not properly applying my payments. They took money from me, cashed the checks/money orders and said, we did not receive the money. When I called the electronic system, the recording said, your account is past due. I attempted to reach someone by phone to find out what was happening, but could reach no one. In my opinion Ocwen is very unorganized and the company is a complete disaster. This has caused me a lot of stress, needlessly. Please help
Product: Debt collection

On My Credit Report Conn 's shows a {$1200.00} Reported Balance with a Payment History that has last Payment of XX/XX/XXXX and under Payment History it says you have made 100 % of your Payments on time* However, It shows the account opened XXXX XXXX XXXX but still shows account as OPEN ( XXXX XXXX ) and then remarks saying Charged off as Bad Debt ( Profit and loss write off ) .The Last Payment date of XX/XX/XXXX is also past the Texas Statute of Limitations of 4 years adding to the misinformation in reporting the Debt. to the point of multiple mistakes I feel Violate my rights of the Fair Debt Reporting Act. I request that all mistakes are corrected or action is taken to remove the Debt from My Credit Report XXXX. Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as my follow-up request. I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX 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
Product: Student loan

Last year I attempted to refinance my wife 's student loan through Citizen 's Bank after receiving a letter from them. The events that followed were quite disgusting and resulted in a CFPB complaint in which Citizens Bank admitted full guilt of placing my wife and myself into a program they were AWARE WE WERE NOT qualified for. They did this just to get us the advertised rate and to attempt to AVOID a CFPB complaint. My wife and I were over-qualified for the advertised rate - but unable to get that rate when applying over the phone. After Citizens Bank put us into a program we didn't qualify for ( without us being aware of this ) to get us the advertised rate - we were approved. When I received the approval letter there were some " blanket statements '' that nobody ( including people in the Office of the Chairman ) were able to explain - specifically charges that I might incur after accepting the loan. That when I decided to submit a CFPB complaint against Citizens Bank last year - which ultimately led to a TOTAL REVEAL AND ADMISSION OF GUILT in their response that they wanted to avoid a complaint to begin with and knew during the underwriting process that they were signing us up for a loan we did not qualify for. At that point I contacted XXXX XXXX and got the rate that Citizens Bank advertised to me - without a problem. To this day, I've been struggling with Citizens Bank to remove the hard inquiry from my XXXX. They've said they have submitted paperwork to remove it, but I've contacted XXXX and they've informed me that they have not received anything. I've been in constant contact with XXXX ( Office of the Chairman ) XXXX since shortly after the original credit hard inquiry on XX/XX/2019. At this point, the inquiry is still on my credit and is one of the only things tarnishing it. It should be REMOVED DUE TO FRAUDULENT BANKING ACTIVITIES which has already been PROVEN IN THE PREVIOUS CFPB COMPLAINT. Yet, Citizens Bank at this time has stopped cooperating and communicating with me. This is my last official attempt prior to civil action.
Product: Checking or savings account

My direct deposit paycheck from my employer was due to my CapitalOne checking account on XX/XX/XXXX. XXXX deposit was showing in my checking account on XX/XX/XXXX. The deposit was still not showing on XX/XX/XXXX or XX/XX/XXXX. My employer confirmed the paycheck was issued and to contact my bank, CapitalOne. I received a recorded message from CapitalOne that there are issues beyond their control and they are working to fix. I need my paycheck and CapitalOne is not helping.
Product: Credit card

AMEX is refusing to investigate and reverse a charge on my credit card for which I have received NO services/goods from the so-called merchant. AMEX is discriminating against me as a minority and there are a considerable number of reviews of AMEX refusing to properly handle disputes for minorities online.