23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 603 A. States I have the rights to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I contacted the Ohio Attorney General 's Office since Comenity Bank 's offices are located in XXXX, Ohio. They do not really handle my type of complaint, so they suggested I contact the CFPB to resolve it. 

I had a credit account with XXXX. The creditor for this account was Comenity Bank. I paid this credit account in full in XX/XX/2020. Comenity Bank continued to add finance charges and then late fees to this account. This was after I paid the credit account in full and requested that they close it. Over the past year, Comenity Bank has continued their attempt to collect these finance charges and late fees that I do not owe. They have piled fees and charges on top of each other for a paid off and closed account. The last known collection balance was up to {$92.00}. Comenity Bank has also reported this account negatively to the credit bureaus.
Product: Debt collection

I checked my credit report which shows delinquent on COI ( Convergent Outsourcing ) that appears to be a XXXX bill. I dont have an acct with XXXX nor have purchased a phone with them.
Product: Mortgage

first i want to say the compliant that i filed in XXXX i never received the responed about it and i am just seeing fays respond to my complaint. it dose not surprise me. there is little to know communication. and when i call them i am told something different everytime i call with any question. it is so stressfull dealing with them. my payment has been going up every year. i have only been with them since XX/XX/XXXX. from day one i have been short in my escrow acct. i know they pay in advance. now in XXXX i read that they payed for 2 home insurance my old one ( XXXX XXXX XXXX XXXX XXXX, why i dont know. they did not tell me i read it on one of the escrow analysis. so that made me short. so i guess i have to pay for there mistake. my payment that year was XXXX and the escrow was XXXX. XXXX escrow and XXXX was for the shortage total XXXX the shortage was on a 2 year payment plan. the next year my payment went up to XXXX XXXX was escrow. sometime in XXXX my payment went up to XXXX XXXX was the escrow and XXXX was escrow and the rest dose not show were it went looking at ( my statement ). some of my payment in XXXX went up to XXXX my payment was all over the place in XXXX and i am still short in my escrow acct. and not a little bit it was XXXX short still XX/XX/XXXX. now XXXX my escrow acct XX/XX/XXXX had XXXX in it and in XXXX and in XXXX there was XXXX and my home owner insurance was not renewed because XXXX cancel my insurance. and i still cant get insurance due to the age of my home. they want me to do some work before a company will insurance me. fay said that they would put hazard insurance on my home but i did not think my payment would go up tp XXXX. XXXX is for the escrow. me and my husband is living on social security and XXXX now and we dont have the money to get the work done on our home. yet. the way the fay has our payment now the escrow will have over XXXX in it for the shortage and the hazard insurance my land taxs is not over XXXX a year. the stress is a lot and our health is not the best. i have most of my monthly statements and i hope some one can help me.
Product: Mortgage

I began trying to modify my mortgage in 2010. During this time CitiMortgage has repeatedly asked me for the same information over and over. I submit the information they request always within the deadlines that they provide however they take so long to review that then they need new updated financials etc. It 's a vicious circle that I have been in for over XXXX years! 
This year I was told over the phone that I qualified for a modification but I have yet to be given my three month trial period or sent the modification package. Instead I am told they are continuing to review my file. All I have asked for is a reduction in the interest rate to the market rate. That alone will make my payments affordable. 
I was not behind on any payments when I originally approached CitiMortgage asking for assistance. I was proactive and tried to prevent myself falling behind. However the financial crisis continued and I eventually did have to miss payments during this ordeal. I have continued making payments when I can however Citi applies these payments only to the interest due thereby increasing the principal amount due. I have asked for them to properly credit my payments and they have not done so.
Product: Mortgage

Im requesting debt validation I sent a debt validation request certified Mail on XX/XX/XXXX I previously owned this property through XX/XX/XXXX, I previously called in XX/XX/XXXX requesting all paperwork associated with the foreclosure & I was told they dont have access I would need to contact the county the sale took place in.
Product: Student loan

I attended the University Of XXXX at the time of registration i advised the enrollment department that i did not have my XXXX or XXXX i was told that it would be fine, all to find out that none of the credits that i obtained are even valid because you can not get financial aid without being tested and or having a XXXX or XXXX once i found of about this i withdrew from the university of XXXX the school then sent the funds back to the government and placed my account in collections i have not been able to get this resolved and it has been almost XXXX years. The university of XXXX has a XXXX for not applying funds from the government to accounts instead sending students to collections. I would like to have my loan removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial reported delinquency on a car that was a total loss with gap insurance three times in XXXX of 2020 same loan & debt, was reported 3 times in single month XX/XX/2020 XX/XX/2020 XX/XX/2020 I have attempted to no success to resolve with Ally for months following the accident & total loss of vehicle. The vehicle was sent to write off following unsuccessful dispute resolution. The reporting of delinquency 3 times in month drop my credit substantially as when they additionally turned the remainder balance of XXXX to write off department effectively Ally financial unfairly reporting in single month is ridiculous and damaging consumers.
Product: Mortgage

My loan was sold to Arvest Central Mortgage Company from being originated with XXXX. XXXX booked and serviced the loan for approximately 3 years before selling to Arvest. Since I have no control over the servicer of the loan, I have no control over rejecting this change. The new servicer Arvest charges fees which were not originally disclosed to me when I agreed on my loan. Arvest charges a fee to make an online payment, a fee if a billpay is sent in from my bank ( since it will not have a payment coupon ), and the latest I've been made aware of, a fee for requesting a payoff letter. I am currently refinancing my loan to get away from this company and I'm hit with a {$15.00} fee for the payoff letter required. So, not only am I told I have to pay a fee to pay my loan unless I choose to setup autodraft I have to pay a fee for the mortgage company to get the payoff quote to pay off the loan. I explained to customer service autodraft is not an acceptable solution to avoid a payment fee. When an autodraft is set it will come out the first of every month but I may get paid on the XXXX of the month depending on how the weeks work out. If I wait to the autodraft then I would be paying 11 days of interest accrual in order to avoid the make a payment fee so that unfairly penalizes me in either situation ; this does not seem lawful in any way. Further, Arvest charged my account {$15.00} for the payoff letter but did not first have my permission. As I explained to Arvest, they should have called me and said, this information has been requested and we charge a {$15.00} fee to fax the request, do we have your permission? I would have said no, I will take the free alternative.
Product: Credit card or prepaid card

I have a unemployment funded card thru XXXX KEY BANK. I was on down weeks on XXXX XX/XX/XXXX and my unemployment money was put on the XXXX card on the XXXX of XXXX, I took the card to my bank XXXX to have the funds pulled off the card and put into the checking account, the teller told me there was no funds on the card as she passed the card bake to me. On XX/XX/XXXX I took the card into the bank again and the card declined again. Called the XXXX number and they said it is PENDING it is still PENDING today XXXX. I now have another unemployment fund on the card but I can not have access to it until the first issue is resolved. They tell me maybe XXXX XXXX XXXX. Now i have also been in contact with my bank and everyone is playing the blame it on the other bank. I still have no idea what else to do at this point. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I have used the CFPB to complain, dispute and ask Capital One NA to validate/Verify this debt. I accept and am willing to pay this debt if COAF can provide me the instrument, promissory note, Note, XXXX XXXX, the instrument that was securitize my signature and gave them the right to the security interest that I was not told I would be giving them. I sent XXXX XXXX ( indenture trustee ) my notarized affidavit of truth via certified mail I also sent Capital One the same affidavit and XXXX None has rebutted in fact Capital One stated they dont have to and the are correct but that means what I stated stands as Truth. Capital One has a fraudulent lien on my property the did not file a XXXX because they cant. Without a court order they can not repossess my property. I have ask the if they have a license to do business in DELAWARE the Sec of State say they do not. They are also reporting inaccurate information to the CRAs. I have sent in my Rescission and they have yet to send my money order XXXX hasnt either. Attached is the proof that the NOTE Im asking for has provided cash to different Banks that has not paid XXXX XXXX to IRS this NOTE provided Im not in a bonding contract because this Note only has my Signature and Capital one has Broken the law and is committing fraud Identity Theft and Tax evasion and fraud as well. I have contacted IRS. Im asking for what the required!!
Product: Debt collection

ACCOUNT NAME : COMENITYCAPITAL/XXXX Account XXXX Balance updated XX/XX/XXXX Credit limit {$8500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type : Revolving Status : Charge-off Status updated XX/XX/XXXX Past due amount - Highest balance - Monthly payment {$0.00} Additional info Responsibility Individual Account Terms- Company sold - Original creditor - Comments CHARGED OFF ACCOUNT Your statement - Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number By mail only
Product: Debt collection

XX/XX/XXXX I filed a dispute with Penn Credit Corp because this account is not a collection or a charge/off and older than XXXX. It was accurate and removed from my credit. 
This account continues to be sold and added back to my credit with a different collection agency and dates of service which drops my credit score drastically. This account should not be on my credit this account keeps being sold through peopled gas since they can not file under an old account. This account is past the limitations to be on my credit. They keep selling and adding to my credit. I filed against peoples gas first XX/XX/XXXX this was removed then now added again.
Product: Credit reporting or other personal consumer reports

Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from XXXX starting in XXXX, a XXXX XXXX, and the dark web, etc therefore, I will need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days. These data breaches has been coming from left to right affecting my credit tremendously. I already tried to reach out to XXXX and XXXX myself and they have not done anything to fix the problem.
Product: Credit reporting or other personal consumer reports

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.You are in VIOLATION of this law because Im a victim of identity theft!! Please delete these items IMMEDIATELY!!!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT!!! As a consumer I am demanding the deletion of accounts listed IMMEDIATELY!!! 
XXXX # XXXX XX/XX/XXXX XXXX XXXX  # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Zero contact was made after the debt was supposedly resolved, I only found out when checking credit score. The amount at the time of the credit check in XXXX of 2020 was XXXX ( roughly ) which increased to XXXX ( roughly ) at the beginning of XX/XX/2020. 
I had sent a letter out from my attorney beginning of XX/XX/2020 and no response was received by me or my attorney.
Product: Checking or savings account

I have not received the check after closing the account. I went to the branch, and they informed me that the check was sent on XX/XX/XXXX. I had to call customer service to confirm the situation, and they told me that the funds were frozen, although the account showed the customer had withdrawn the money. They asked me to provide the receipt from when I made the deposit. I provided my ID and was recorded by the camera at the branch when I made the deposit. They insist on me providing evidence of the deposit, but I made the deposit on XX/XX/XXXX and have since lost the deposit receipt. Their inconsistent statements seem like an intentional effort to withhold the money. They have cameras in their own branch and I provided ID when making the deposit. Now they want me to prove that the money was deposited by me? It's truly terrifying. They demand proof of my deposit, or else they'll indefinitely freeze my funds and refuse to give me my money. 

uploaded some pictures I went to the branch, bankers wrote me number or cases etcs
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

On XX/XX/, I applied for an Apple Card. I was applying for {$25000.00}. I was denied. The reasons for denial are against the law. 12cfr 1002.6 Notifications. Subsection - specific reasons. Says : ( Official Interpretation ) - 9. Combined ECOA-FCRA disclosures. Disclosing that a credit report was obtained and used in the denial of the application, as FCRA requires, does NOT satisfy the ECOA requirement to disclose specific reasons. Disclosing the key factors that adversely affected the consumers credit score does NOT satisfy the ECOA requirement to disclose specific reasons for denying or taking other adverse action on an application or extension of credit.
Product: Debt collection

Never received notification of this " collection '' until it was placed on my credit. I dont know what this is and have never owed anyone anything. A dunning or validation notice was never sent and i have never had any dealings with CONSERVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed an account from XXXX XXXX with cashiers check as I was moving to another location which did not have XXXX XXXX. I then opened an account at local Bank of America branch and the cashiers check I had didn't deposit until about 90 days, Bank of America requested documentation and the proof that it was a valid check. I called the previous bank ( XXXX XXXX ) and the branch manager sent over motorized check/copy and letter confirming it was a valid check not suspected fraud as Bank of America implied. Bank of America closed the account and placed suspected fraud on the XXXX which severely refrains me from opening an account at any other bank. This information is false and need to be removed from my history as I am not a fraud.
Product: Credit reporting or other personal consumer reports

XXXX veteran In XXXX was approved for credit to purchase, paid for transfer and insurance and uploaded Car was sold to someone else per carmax employee.

The other instances cars were paid to be shipped and it was always an issue when XXXX  to retrieve the vehicles Tried again and in XXXX credit denied XXXX XXXX were paid for XXXX XXXX XXXX and XXXX XXXX  It may be a few more as I really tried to do business with this company for cars for my business
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX was disputed under the fcra with wrong social also sent the police report and the ftc violation they have failed to do anything about its been 45 days and counting which is against me Rights under the FCRA law
Product: Debt collection

OnXX/XX/XXXX - Receivables Performance Management LLC contacted me about my debt with XXXX. I agreed to a payment arrangement of {$50.00} to be taken out of my bank account to start the payment arrangements and {$25.00} every two weeks there after. 

On XX/XX/XXXX {$200.00} was taken out of my account and on the XXXX I contacted the company about it. I was told they would review the call since all calls are recorded and they would get back with me on a decision about a refund. 

About XXXX XXXX I called them back and was told the call had been reviewed but no decision was entered about a refund. I called back onXX/XX/XXXXand the agent put me on hold to review the call. The agent cam back on the phone and said yes that I was due a {$150.00} refund and the check would be in the mail on the XXXX. 

I called back todayXX/XX/XXXX and was then told by the agent who answered that there was nothing in the system about a check being sent out. I am filing this complaint because this company has done nothing by lie to me about getting my money back.
Product: Mortgage

I applied for a 30year fixed rate FHA loan. There is a Mortgage insurance premium which you can pay at closing or you can finance it. Which increases your loan amount. 
Mortgage insurance premium in the amount of {$8100.00} was charged and paid at closing. 
Mortgage insurance premium was also rolled ( financed ) into my loan in the amount of {$8100.00}. 
Lender locked an interest rate for this loan at 7.25 percent and also charged me {$7100.00} for discounted points but rate was never reduced. This was also paid at closing. I paid {$20000.00} for down payment and had a sellers concessions in the amount of {$15000.00}. Which is a total of {$35000.00}. FHA only requires 3.5 percent down payment. 
Only XXXX went towards my downpayment. 

Purchase price is XXXX My loan amount is XXXX this includes {$8100.00} for mortgage insurance premium which was already paid at closing. 
Sellers credit in the amount of {$1400.00} was also given but not needed. To cover closing cost. 

Title company confirmed that all these fees were paid at closing.
Product: Debt collection

To Whom It May Concern, I am writing to dispute an account on my credit report that was opened fraudulently using my personal information. Ive tried filing a dispute many times with both the credit bureau XXXX XXXX and the actual company but still nothing has changed. My name is XXXX XXXX, and i was a victim of identity theft. The account in question does not belong to me, and I have never authorized its creation. I believe this is a result of identity theft. 
Please investigate this matter promptly and remove the fraudulent account from my credit report. I request copies of all documents related to this dispute. 
Thank you for your immediate attention to this matter. The name of the company is XXXX XXXX  and out by XXXX XXXX XXXX.