23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a XXXX XXXX with XXXX XXXX. 

In XX/XX/year> I started asking XXXX XXXX for payoff quotes.

The quotes they provided were too large so I paid them in smaller amounts over the past XXXX weeks. 

As of XX/XX/year> my account ( including the Escrow ) is over {$6000.00} more than what I actually owe on the XXXX XXXX 

XXXX XXXX is refusing to close the loan and refund me what's left. 
They are instead trying to send past payments I've made back to my bank and trying to keep my VA loan open. They say it's their policy to only close loans if the borrower sends them a Certified check in the mail or executes a Wire transfer to them. 
But they already have over {$6000.00} more of my money than I owe. 
They refuse to help me resolve this. 

Previous Veterans XXXX XXXX told me in the past month that if the balance owed was {$2000.00} or less they could close my VA loan with a simple electronic money transfer as opposed to a Wire Transfer or Certified check being mailed to them. 

This evening I spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX. They refused to close my account and insisted they would be sending my latest deposit back to my bank because the payment was sent to them by Certified check or Wire Transfer. This despite the fact that they already are in possession of the money and additional excess funds in the Escrow portion of the account.
Product: Mortgage

We are two months behind in payments, we attempted to make a payment today for a monthly mortgage payment online. We are in the process of asking for mortgage assistance. We were told online processing of payments was not available and to call customer service at the lender. We did that, and were told they could not take our payment over the phone we would have to mail in our payment unless we were willing to make two months of payments at this time, then it could be taken over the phone. I asked to please explain this in writing or provide documentation that explained why they could not take our usual payment over the phone, and was told there was none, and was told again to submit it via mail. 

We can and will submit our payment via certified mail- but believe this is requested by the servicer to delay the payment past the grace period and show that the payment was again late giving favor to the lender when we are trying to clean this up and move our account current.
Product: Debt collection

I have sent in a XXXX a few weeks ago and am filling a complaint against XXXX, XXXX, and XXXX This letter states if the collection company of the creditor has not responded, the company has to remove the item from your account. XXXX, XXXX, and XXXX are not complying with their own policies in a timely manner.
Product: Credit card

On XX/XX/XXXX, I sent via USPS with signature required, my payoff XXXX XXXX XXXX  for {$1300.00}. The check included my name, contact information and account number. 

On XX/XX/XXXX, Synchrony signed for this envelope at XXXX On XX/XX/XXXX, I received an email stating my payment was overdue On that same date, XX/XX/XXXX, I phone Synchrony Care Credit and was told they " don't have my check '' and asked me for proof it had been cashed. It was printed check from a refinance so I am unable to prove it was cashed. I paid up front for the check to be printed. 

The male customer service agent told me I " needed to check with my bank and send confirmation I paid it ''. 

I had to explain XXXX or XXXX times that it was not a personal check and that the funds were prepaid to generate the check. 

He then said the previous agent gave me the wrong XXXX XXXX XXXX I needed to send a copy of the XXXXXXXX XXXX XXXX register, the USPS tracking and print out confirming Synchrony Care Credit picked up my check. 

On XX/XX/XXXX, I copied the requested information and sent XXXX, no tracking. 

On XX/XX/XXXX I have at least seven snotty emails saying my payment is overdue. 

Synchrony just sent a letter stating they can not locate my payment, closed my request for an answer as to WHERE they deposited my funds and added late fees with the threat of reporting the credit bureaus. 

They either put my funds into the wrong account or someone walked off with my check. I did my diligence in notifying them the payment was coming, obtained tracking and confirmation they received it and sent this information to them XXXX more times asking for help. They sent a letter saying they closed my request and " can't find my check '' even though they signed for it. Each department is pointing fingers at the other and I'm caught in the middle. They're saying they can't track from their po box but all are Synchrony in XXXX. 

All I know is I AM MISSING {$1300.00} that I TRUSTED they would credit to my account, not divert or possibly cash themselves and give me the run around. 

I paid off multiple accounts and all processed within days or XXXX week. Synchrony is the only one who is either completely incompetent or potentially fraudulent in their processes. 

I am unable to attach their declination letter due to how they sent it. It will not save as a XXXX, it is gibberish.
Product: Money transfer, virtual currency, or money service

My company used XXXX for all our transactions for my XXXX business ( XXXX XXXX, XXXX. ). In the month of XXXX we used XXXX to collect {$74000.00}. XXXX put a hold on transferring this money to my account due to a fraudulent claim. There was not any fraud involved. They have already taken the money from my customer and are holding onto it. every attempt we have made to collect these funds have been met with people giving us the run around. All of our direct contacts have done nothing to help us and have even gone as far as to avoid our calls. It has been almost 60 days that they have been holding onto my money and I need it deposited to make payroll for my employees. At this point I need any help I can get to get my money deposited.
Product: Credit reporting or other personal consumer reports

late payments reported on XXXX. my credit card is still active with a XXXX account balance.
Product: Debt collection

XXXX never contacted me regarding the accounts they had just reported to my credit history on XX/XX/2021. Instead, they hired an attorney by Klima, peters, and daly to sue me in the Virginia general district court for the amount of XXXX the warrant of debt was sent to the wrong address, the only reason I got that mail notice was because the mailman recognizes my name on the envelopes. the Klima peters daly law firm sent a notice for debt settlement 10 days afters they already file the suit. these tactics are unethical, the customer so suppose to be notified of such actions before filing and as the settlement notice states i had 21 days to settle. even though XXXX  never contacted me regarding these accounts, and XXXX also had access to my credit report that has my current address and number. this is was crooked actions. 

note ; the statements they gave the court clearly show my current address so they intentionally wanted for me to miss the court date.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a charge-off that is over 7 years old ( 10 to be exact ) that has showed back up on my credit report as of XX/XX/XXXX ( Originally placed as a charge off in XX/XX/XXXX ) which is past the statute of limitations. This should only have been showing on my report for up to 7 years. I have disputed this several times with no results. Not even a detailed letter from the company showing what I allegedly owe. Ive only received that said information has been verified as correct which makes no sense because its past the statute of limitations. This is on my Experian report. My last dispute results report number is XXXX for XX/XX/XXXX & results were 'account verified as accurate '
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$81.00} ; XXXX  XXXX Balance : {$480.00} ; XXXX  XXXX : {$16000.00} ; XXXX  XXXX Balance : {$5600.00} XXXX XXXX  XXXX Balance : {$110000.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$35000.00}.
Product: Credit card

I believe that my jc penny card was closed and subsequent credit report from syncronicity on account closure is retaliation for filing a claim against PayPal. Synchronicity is the parent company of jc penny and PayPal. MY jc penny account has a XXXX balance.
Product: Credit card or prepaid card

Dear Officer, I have been a loyal customer with Wayfair for the past three years or so. During the First year, Wayfair changed twice their business relationship with Credit Card Company that managed their  account. On XX/XX/2020, I received another communication thru XXXX XXXX  that managed Wayfair Consumer Accounts indicating that their business relationship with Wayfair has ended without any confirmation from Wayfair Corporate Office stating what happened to their loyal customers that have been affected with this closure. I am very upset of the way Wayfair treated their customers in this regards. Wayfair damaged my credit profile by closing my account without any reasons or explanation. When applying for Wayfair credit card, a hard inquiry is placed into the credit profile that lower for short period of time the credit score. So, I am extremely frustrated with mismanaging my account and  distroying the line of credit that I established for a long time with this particular Online Store. Government authority should investigate the legality of this issue since several consumers as I am are experiencing this flip flop with their financial institution and how they conduct the business without informing their clients or staff members. I can add that I have been surprised that even their staff member were not informed until our account were terminated without sending any internal memos  advising their staff that the relationship with XXXX XXXX  had been terminated and without any compensation since they damaged million consumers account credit profile. Investigation of this magnitude should be investigated. Wayfair should be out of business and reported to the Media and others government entities not trustworthy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so puzzled about this situation. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint for the 2nd time. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again. TRANSUNION was not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers if dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence u provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

I am filing a formal complaint against Spring Oaks Capital, which is unlawfully attempting to collect a debt allegedly associated with XXXX XXXX XXXX. This collection effort is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ).

Issue Summary : 1. Unverified and Potentially Fraudulent Collection Attempts Spring Oak Capital has contacted me regarding a debt that I do not recognize and have never been provided verification for.

Under the FDCPA, debt collectors are required to validate a debt before engaging in collection efforts, yet they have failed to do so.

2. False & Misleading Credit Reporting If this debt is being reported to credit bureaus, this constitutes a violation of the FCRA, which prohibits the reporting of unverified or inaccurate information. 
Spring Oak Capital is responsible for ensuring all reported information is accurate and must immediately remove any unverifiable accounts. 
3. Violation of My Consumer Rights & Emotional Distress I have suffered credit damage, financial uncertainty, and emotional distress due to these unlawful collection attempts. 
The failure to validate this debt and the continued attempts to collect constitute clear violations of my consumer rights. 

Relief Requested : Immediate Cease & Desist : Spring Oak Capital must immediately cease all collection activities. 
Debt Removal : Any negative reporting associated with this debt must be removed from all credit bureaus. 
Monetary Compensation : I am requesting statutory damages of {$1000.00} per FCRA violation, as allowed under 15 U.S.C. 1681n ( a ), as well as compensation for emotional distress caused by their actions.

Regulatory Investigation : I request that the CFPB launch an investigation into Spring Oak Capitals collection and reporting practices.

I expect immediate action regarding this matter, and I reserve the right to pursue legal action if necessary.
Product: Credit reporting or other personal consumer reports

I disputed with company and credit of no knowledge of account and no valid proof i owe them was not sent and i keep getting unwanted calls
Product: Credit reporting, credit repair services, or other personal consumer reports

1. REGISTER LETTER NUMBER ( S ) : RE XXXX US ; RE XXXX XXXX XXXX US ; RE XXXX XXXX XXXX US ; RE XXXX XXXX XXXX US. 

XXXX A ) SERVICED ON THE ENTITY : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, PA XXXX. 

2. CERTIFICATE AND PROOF OF SERVICE ACCOUNT TRACKING NUMBER ( S )  XXXX ... XXXX ... 

( A ) ENCLOSURES : NOTICE OF RESCISSION ; AFFIDAVIT OF FORGERY ; LOAN DEBT VALIDATION REQUEST ; NOTICE TO CURE 3. REPORTING AGENCY HAS DEFAULTED ON ANSWERING THE VALIDATION DEMANDS AND THEREFORE MUST REMOVE THE MISTAKE FROM THE RECORD. 

4. THIS ERROR IS AN INJURY AND TRESPASS ON THE HOLDERS CREDIT INTERESTS. WE REQUIRE A REMEDY.

5. ALL CLAIMS ARE REGISTERED, CERTIFIED, AND TENDERED TO ALL PARTIES INCLUDING FEDERAL AND STATE AND MUNICIPAL PUBLIC/COMMERCIAL EMPLOYEES -- - CORPORATE STATE OF CALIFORNIA. 
4 ( A ) PLEASE SEE THE ATTACHED DOCUMENT : RETURN_RECEIPT.

6. KNOW THAT ... THE ATTACHED CERTIFICATES AND PROOF OF SERVICE ARE EVIDENCE OF CLAIMS FILED.

7. NO PERSON/MAN/WOMAN HAS PROVEN THE LOAN AGREEMENT.

8. WE REQUIRE DISCHARGE AND DISPOSAL BECAUSE THE LOAN IN QUESTION IS CAUSING A FALSE AND INJURIOUS REPORT ON THE PERSON AND THE HOLDER 'S RIGHT IN INTERESTS.

9. UNDER PENALTY OF PERJURY ; WITHOUT PREJUDICE ; ELECTRONIC SIGNATURE BY HOLDER/OWNER OF NAME : XXXX XXXX XXXX, ALL RIGHTS RESERVED WITHOUT RECOURSE. 





10. NOTICE U.S. CODE : TRUTH IN LENDING ACT -- 5.1635. Right of rescission as to certain transactions. ( a ) Disclosure of obligor 's right to rescind a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. ( b ) Return of money or property following rescission. When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.
Product: Checking or savings account

To whom it may concern : We are filing a complaint against a First Citizens Bank to know the true reason for our account closure. 

We were contacted one-time, by certified overnight mail XXXX XX/XX/2021, that our business account would be closed XXXX XX/XX/2021 because they can. The letter entailed, " ... First Citizens Bank reserves the right under the terms of its deposit account agreement to close a deposit account at any time for any reason. '' There letter read, that they, on multiple attempts, attempted to contact us. This can be proven to be not true. 

We contacted XXXX XXXX, Area Vice President & Area Executive XXXX  XXXX XXXX XXXX, XXXX XX/XX/2021 with questions regarding our account closure. He explained that our account had been under review and that there were multiple red flags. Never being made aware of any review, we asked for proof of wrong doing. 

We banked with this Organization for over three years and had very limited communications due to our account never having issues. 

On XXXX XX/XX/2021, XXXX was approved to extend the termination of our account through XXXX XX/XX/2021 and still offered no report to support the accusation that there were multiple red flags. He said their finding are for internal use only and he is not allowed to provide us with any support for their accusation. 

We believe that our account was close in retaliation to one the Partner 's spouse quitting her position at First Citizens Bank located in XXXX, Washington. 

Because we are a XXXX XXXX XXXX, we fear that XXXX might have played a part in the quick and unprovoked closure of our account not considering we might stand up for ourselves being small business owners.
Product: Checking or savings account

I walked into the XXXX Key Bank and opened a checking account one year ago at Key Bank with {$100.00}. I forgot about the account and the {$100.00} until today, when I got a statement from Keybank and letter saying that it was charged off and that it had a - {$4.00} balance. 
To be sure, I never used the account ( not even once ) and so the only transactions were from the {$8.00} fees per month that Key Bank was charging me to maintain this account. I am not sure why the teller opened this specific type of account knowing that it had huge fees. Additionally, if it would have been disclosed prominently and conspicously I would have NOT opened the account. 
At this moment, Key bank have kept my {$100.00} and refused to return my money and have ruined my CREDIT by charging this account off. Again, the interest on this account was .000000125 % on this account so wound take literally 1000 years to offset the {$8.00} fees that were being deducted and thus not apparent WHY this account was selected for me except that I am a person of color and was steered into this account by the Key bank staffer.
Product: Credit card or prepaid card

Care Credit Sychony Bank I applied for a credit card mostly for vet  bills for animal care, years ago I did have one it was paid in full, Last year I applied a second time and it was approved and I was sent the card and I never needed to use it so I was sent a letter by the credit card stating that if I did not use the card by XX/XX/2022 they were going to cancel the card, so I did not need to use the card at all so it was cancelled. So now I wanted to get the credit card renewed and was denied for a reason unknown called the company and they stated they never sent the letter and have no records unfortunately I can not find the letter or credit card number so this is my problem I just would like to know why my application was denied and I had a valid credit card before Thank you for your time
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.