23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred from XXXX XXXX to Newrez in XXXX XXXX. Ever since, I have not been able to access my account. Recently my monthly payment went down quite a bit and I am worried that the company is not making my escrow payments but I can not verify since I can't access my account. I also can not see my loan information nor can I make payments online, download tax documents, etc. 

I called them XXXX times to ask for help to access my account so I can see what is wrong and nobody has helped me in the last XXXX months. They keep creating tickets but do not follow up on them. I know people who have gone into foreclosure because of this company 's tactics so I hope you can monitor them so they don't scam people and they provide services like other mortgage companies do.
Product: Debt collection

I am writing to report fraud involving Monterey Financial and XXXX XXXX XXXX. While in XXXX XXXX, NV, I was pressured into signing a contract marketed as a travel club. It was presented under the false pretense that I would have the ability to cancel the membership if I chose to. 

After signing, I attempted multiple times to seek clarification on how to use the website, but I never received a proper explanation. When I later tried to cancel the membership, I was told that cancellation was not allowed. 

To make matters worse, {$1300.00} was taken from my account without receiving any product or service in return. Now, I see a balance of over {$5000.00} listed on my credit report. 

I have noticed numerous similar complaints from others who have experienced the same issues with this company on the XXXX XXXX XXXX  website. 

I kindly request your assistance in investigating this matter and taking appropriate action to address this fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity bank is the servicer for XXXXXXXX XXXX XXXX credit card, I have never been late and my balance is below {$100.00}, yet they are reporting me 60 days late at all 3 bureaus and they i owe them upwards of {$400.00}. I was able to speak to a supervisor about the promotional balance and there is a current dispute on the account to fix it but when i stated that comenity was reporting me late at the bureaus, she advised she was unable to fix. would like a call from the company and would like the problem fixed
Product: Credit reporting or other personal consumer reports

In XX/XX/year> XXXX XXXX report me past due 30 days for 6 months, when there associate set up auto payments for my account. With may emergent things in the family and no contact from them I was unaware they were reporting this until after XX/XX/year>, when I got denied credit. I had a payment of XXXX set up on auto, they changed their system and never adjusted my payment. I was never late. Initially the company took the past due payment off only one credit bureau report and fixed the past due payments on my credit report. They adjusted the interest and late fees and sent me a letter stating they fixed this. We were in the process of moving and misplaced the letter. I have been denied credit and given high interest rates because of this reporting. When disputing this on the other credit bureaus they denied it. I made several calls and get no response or help. This has impacted my credit tremendously. We moved to XXXX  and this still keeps my credit score low. Please help. Thank you XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

State employees credit Union of north Carolina refused to assist me in dealing with a credit card which was opened and used fraudulently. I was not notified of or provided with statements for this card until i was contacted by phone to inform me of an accumulation of late fees close to the amount owed. They credit union 's idea of a resolution to the issue was to freeze my account with no notice and report me for a blacklist on XXXX.
Product: Credit card

I called the number listed on my bill to cancel my American Express Delta Skymiles Gold Card on the day I received my XX/XX/year> paper statement. The only charge on the bill was an Annual Fee of {$99.00}. I explained to the representative that I was cancelling the account because of the fee and the fact that I was not using the card. The representative offered me an option of a different account that had less/lower fee, but since the card was more or less inactive, I declined and the process was completed. This took place on XXXX. 

On XX/XX/XXXX, I received XX/XX/year> statement with the fee still showing as a previous balance. I called the same number ( XXXX ), and after verifying that the account had been closed, was transferred to a live representative. When I explained the situation, the representative ( XXXX ) informed me that although the account had been closed, the fee remained due because I had not requested closure within 30 days of end of the bill cycle, which would have been XX/XX/XXXX. I did not receive a XXXX statement and explained this to the representative. I was told my case would be notated and sent to??? for review, but that she did not anticipate the fee to be reversed. 
She also told me that she didn't know the timeline of the review, and that I would not be contacted with the result of the review, but would continue to receive a monthly bill. When I asked her for the case number for my reference, I was told that this was told that this was confidential info. When asked to whom I could report my dissatisfaction, she said she didn't know. 

I then called the XXXX  Error Resolution number XXXX and spoke to XXXX XXXX XXXX ) who confirmed that what I was told was correct and said the the XXXX XXXX XXXX XXXX their operations ( which I suspect is incorrect ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These addresses and inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, I have new information in regards to Transunion to follow federal law. I have sent multiple notices to Transunion making them aware of the many violations they have committed and yet they have continuously put their company policy in place of the FCRA. I never gave them permission to furnish anything on my report yet they say they do not need permission from my. Pursuant to 15 USC 1681b it clearly states that without a written express permission from the consumer it is unlawful to furnish anything on my report. The negative information has caused me to lose my job, lose my car, and doesn't allow me to properly extend my credit for credit cards, apartments, etc.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 -- Added my bank account information to Venmo so I could withdraw money from my account to pay my bills XX/XX/2023 -- Venmo put a temporary hold on my account and requested identifying information XX/XX/2023 -- I provided this information XX/XX/2023 -- I called Venmo support and was hung up on XX/XX/2023 -- I called Venmo support again and was told to upload a secondary piece of ID with a selfie holding my drivers license ; I completed this task XX/XX/2023 -- Venmo unlocked my account and then promptly locked it again, saying I was in violation of the XXXX XXXX XXXX because I had XXXX accounts. They sent an email asking which account to close and I replied with my answer. 
XX/XX/2023 -- I called Venmo to get an update on reactivating my account and was told to not call back and just wait for an email XX/XX/2023 -- I emailed checking on the status of my case. No answer XX/XX/2023 -- I emailed checking on the status of my case. No answer. 
XX/XX/2023 -- Still no answer.
Product: Debt collection

Love, Beal & Nixon were notified that the debt they are collecting for XXXX XXXX XXXX XXXX XXXX was the result of identity theft. They have been called and the identity theft report has been submitted. LBN is currently garnishing my pay and has made no effort to cease collecting or stopping the garnishment.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Sent first cease and desist letter on XX/XX/XXXX. Collection Agencies respond by selling to the next Agency. 

The most recent communication, received yesterday, XX/XX/XXXX, was sent in a see through envelope with LARGE, CAPITALIZED, BOLDED, and UNDERLINED FONT clearly read by looking at the outside front of the envelope : THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 

The envelope with this message visible was delivered to my neighbor, who saw the message with my name and address and hand delivered it to me.
Product: Student loan

Navient reduced my automatic payment on there own without notifying me. When I called up they told me I did it myself which I didnt, then they said it was because I paid off one of my loans. The only loan that was paid off was done in 2015. They reduced my payment a few months ago. So it was not this either. They were unable to tell me why they reduced this payment. The end result they switched my payment back to what I had set up. If I did not catch this it would have prolonged my debt by years significantly increasing the amount of interest I would have to pay to Navient. When I asked to file a formal complaint I was told I could not do so. They annotated my account and that is it. I wanted to report this because I want to make sure Navient is not doing this to others.
Product: Debt collection

I mailed NCD Financial LLC several letters since last year asking for debt verification. I do not remember opening this account and wanted to see written proof. The refuse to send anything back to me in the mail but continue to update on my credit report as late and open and its been years like this. Nobody responds or send me anything in the mail back with verification
Product: Mortgage

I hope this letter finds you well. I am writing to express my deep dissatisfaction with the recent handling of my mortgage payments through the autopay system provided by Reliance First Capital LLC. I believe that there have been significant shortcomings on the part of this company that have resulted in unjust late fees being applied to my account. 

I temporarily turned off the autopayment feature for my mortgage for a period of a few days, as I lended some money to my friend and I don't want overdraft before she pay me back. But, I turned the autopayment back on within a few days and I got a confirmation message on the screen stating that " everything was all set. '' Regrettably, I later discovered that my mortgage payments for both XXXX and XXXX were not deducted automatically as expected. 

The first indication of this issue came when I received an email from Reliance First Capital LLC offering assistance for those facing mortgage payment hardships. This prompted me to review my payment history, and to my dismay, I found that the XXXX mortgage payment had not been processed through autopayment. 

I immediately contacted their customer service department to rectify the situation. The representative explained that due to a previous autopayment not processing correctly, subsequent payments were affected. While the late fee for XXXX and XXXX will be waived, I was informed that I would need to manually make my XXXX payments before the automatically payment work. Additionally, I had to made these XXXX unprocessed payment on different dates as your system did not allow for XXXX payments to be made within a short timeframe which I did right way. 

I would like to emphasize that the late payment was due to a system issue on their part, not my own negligence. I rely on autopay to ensure timely payments and to avoid late fees. If their system is unable to consistently process autopayments, it is imperative that the company takes proactive measures, such as providing alerts or pausing the autopay service, to prevent such issues. Unfortunately, I received no prior communication or alerts regarding the failed autopayments. 

Additionally, I was informed that only XXXX late fee could be waived due to system limitations. This explanation is unacceptable. If they can not reliably process autopayments, then it should not offer this service to its customers. Moreover, I have spent the past XXXX months attempting to resolve this issue with them, but I have encountered nothing but excuses, inconsistent responses, and continued late fee demands. 

I kindly request that Reliance First Capital LLC review this situation and promptly waive the second late fee of {$76.00}, as it is a direct result of their system 's failure to process autopayments as promised. I believe it is only fair that it's company take responsibility for its shortcomings and rectify this situation immediately. 

I look forward to a swift resolution to this matter. If I do not receive a satisfactory response within a reasonable timeframe as I am XXXX XXXX XXXX XXXX XXXX  and we are planning on moving soon as well. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Chase bank closed my account and canceled my Chase Amazon card on XX/XX/XXXX. 
I set up the Chase account because my bank in XXXX  ( XXXX XXXX  ) does not have branches in XXXX. When I set up thevaccount they told me I could qire transfer to the Coinbase account I have had for over 5 years. I can not transfer from XXXX as I have to be at the branch. 
I cam only debit XXXX and limited to so much a month. So I set up Chase to wire transfer larger amounts. The first amountbwss {$24000.00}. I had to go to tje branch on XXXX XXXX in XXXX to do this. After leavingn their corporate called with questions tjat I could not verify. Did I own XXXX ofbthese cars of which one was a XXXX XXXX XXXX. I told them I have had XXXX or XXXX XXXX  but that was 22 years ago. Then asked the same in XXXX vehicle, so they froze my transfer. I went back to the XXXX, they called, oorporate and opened my account and after threy verified it went through. The agent that verified said I could do wire transfers on line so, I moved another {$12.00} from my XXXX to Chase. When I tried to move it on line my account got froze. I called their corporate and they told me all my Chase accounts were canceled including my credit card that I have had for years and that they did not have to inform me why. They would mail a check to me for balance in my account. $ XXXX plus. I went to the bank branch to verify my check was mailed and he called corporate and they told him it is still under investigation and could notbl give me a date I would get my funds. 
I need that money, they have it,
Product: Checking or savings account

The beginning of XX/XX/year> cashapp locked my account and stated it was for verification of address. They stated after I submitted the requested documents my account would be unlocked in a couple of days. It is now the end of the month and my account is still locked and I havent been able to receive my direct deposits or tax refunds and they still havent unlocked my account even with the documents they requested being sent
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY CREDIT REPORTS I NOTICE THAT THERE WERE NEGATIVE ITEMS ON REPORTING
Product: Credit reporting or other personal consumer reports

Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Re : Dispute of Debt Account Number : [ Last four digits of the account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt referenced above, In accordance with 15 U.S.C. 1692g, I am requesting that you provide me with validation of this debt. Specifically, I ask that you provide the following : XXXX XXXX XXXX XXXX The amount of the debt ; The name of the creditor to whom the debt is currently owed ; A copy of any judgment ( if applicable ) ; Proof of your authorization to collect on this debt.

Please be advised that 15 U.S.C. 1692g ( b ) requires that you cease all collection efforts until you provide the requested validation. If you fail to provide this information, I request that you immediately cease any further attempts to collect this debt and remove any record of this debt from my credit report.

Additionally, under 15 U.S.C. 1692c ( c ), I request that you cease all communication with me regarding this debt, unless you are taking specific legal action or providing me with the requested validation. This request applies to any form of contact, including but not limited to phone calls, letters, or any other method.

I also request that you suspend reporting this debt to any credit bureaus until you provide proper validation of the debt.

Please provide your response in writing to the address listed above. As required by law, you have 30 days from the receipt of this letter to respond. If you are unable to validate the debt, I request that you cease all collection activities and remove this account from my credit report immediately. 
Thank you for your attention to this matter. I look forward to your prompt response
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX, I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX -ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -ACCOUNT # XXXX Disputed Information : I have identified the following discrepancies that require immediate investigation and correction SOME OF THEM EXAMPLE : Open Date Inconsistency : Your records show the account was opened on XX/XX/XXXX, while TransUnion reports XX/XX/XXXX. Please confirm and correct the account 's open date. 
High Credit Inaccuracy : Your records indicate a high credit amount of {$0.00}, which conflicts with the accurate amount of {$570.00} reported by other credit bureaus. 
Last Reported Date : The last reported date listed as XX/XX/XXXX is inconsistent with other bureaus. Please verify and update this to align with accurate reporting. 
Credit Limit Discrepancy : Your records indicate a credit limit of {$0.00}, but the original creditor provided a limit of {$400.00}. 
Date Last Active : Your records list XX/XX/XXXX as the date last active, which conflicts with other reports. This needs to be verified and updated. 
Account Comments : Your comments mention, " Customer disputed account reported by subscriber, '' but no resolution has been provided to date. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation. 
3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple inquiry letter with all  XXXX  credit bureaus regarding false information on my credit reports. I do not recognize various inquirires on my report and no one will do anything about it. I have been having a terrible time getting through to the bureaus regarding this issues, as well as them returning letters about not deleting information off my report way before the 30 days is up. I am extremely upset about this that no one will help me!