23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was given a commercial property loan with RCN Capital and Elite Commercial servicing for a single-family home in the state of Georgia. I was made aware that RCN Capital is not licensed to lend/service any loans in the state of Georgia. I was not made aware of this matter through RCN Capital nor the attorneys during closing. This led me to believe that the contract was legitimate. This makes the contract of servicing null and void. I am requesting documentation from both companies providing proof of legal licensure in the state of Georgia from XX/XX/XXXXXXXX  - XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not mark my account as disputed within 30 days. 
Also, has NOT validated this account with a signature. This is the letter I sent them on XXXX/XXXX/XXXX : This letter is in response to your recent claim that XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that 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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$1200.00}.
Product: Debt collection

XX/XX/XXXX- XXXX XXXX XXXX/Capio I called them multiple times and they sent me one letter. Just recently for a supposed {$550.00} debt that was never paid back in XX/XX/XXXX. I have tried to contact them multiple times in order to resolve the issue and find out what the debt is for. They have given me multiple stories about multiple hospitals and procedures. But nothing verifiable. They have now put it on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commenity bank /victoria secret is still appearing on my credit report. However, the attached document demonstrates that the account was dismissed with their collections agency and therefore no longer making me responsible for the account. The tradeline needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated them and sent couple of request to do the investigation and send me results but I never receive any response from this company, so they are just ignoring my request.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

Account : XXXXXXXX XXXX XXXXXXXX XXXX ( CLOSED ACCOUNT ) payments late year 2021. 

In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Bank account or service

I was signed up for PayPal Credit without knowing it and assumed that purchases were directly charged to my credit card. Turns out that they were charged to PayPal Credit and was charged a {$35.00} late fee plus interest of {$2.00} minimum interest. I am unaware of ever signing up for PayPal Credit and assumed that some email that I received were scams since I could see that the items were paid for in my PayPal Account. I have since cancelled both my PayPal Account and PayPal Credit Account over the phone on XXXX/XXXX/2016.
Product: Credit card

XXXX XXXX I received a notice from the Synchrony Bank that they would be increasing my interest rate and would be charging me to receive paper bills. I called then to inquire if it was true and I was disconnected. I called back and was informed that charging customers to receive bills was a real policy. 
Consumers have no rights anymore. These creditors are demanding that consumers who may not have access to a computer, who are not computer savvy, or who don't trust the internet to put their financial and personal information in cyber space ; have to pay them for getting a bill. There needs to be a law that they have to send me a bill by mail proving what I owe, and proof showing what I've paid. Please help the older consumers. Please fight for all consumers. Thank you! Please protect us. I know I can't do anything about the usury amount they charge for interest, but having to pay their mailing cost is a little much. Thank you!
Product: Credit reporting or other personal consumer reports

I am filing a complaint 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 AcXXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) 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: Credit reporting or other personal consumer reports

I appreciate your attention to the removal of some fraudulent items from my file resulting from an alleged identity theft. However, there are still items remaining that require removal. This marks my third complaint as a victim of identity theft, and I am submitting to dispute these fraudulent entries in my file stemming from the criminal activity. The disputed items are unrelated to any transactions for the acquisition of goods, services, or money that I have either made or authorized. Kindly remove the reporting of these items from my credit file, as they result from an alleged identity theft. Enclosed in this communication is my recently filed FTC Report # XXXX. 
-- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, LA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, LA XXXX. These items are unfamiliar to me, and the information provided on these entries has been deleted from other bureaus. I harbor doubts about their accuracy, and the reported history on these items remains a mystery to me. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) - Authority to decline or rescind, and FCRA Section 605B ( a ) - Credit Reporting Agencies shall remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than 4 business days after the date of receipt.
Product: Debt collection

Transworld TSI ( XXXX XXXX XXXX ) is a debt collector. They have been sending several bills to my home, over the years in attempt to collect a debt. They have added thousands of dollars in interest on the original alleged amount owed. 

Prematurely, I tried to settle the account but they refused to settle for the amount I wanted to. XXXX XXXX was able to remove the account from my report but it was put back on in XXXX renewing the account date. 

I have disputed the amount owed, offered settlement and they refused several times. I am unable to pay this debt. I have disputed several times with, XXXX XXXX, XXXX and XXXX. 

I asked for a print out of the amount owed the first week of XX/XX/XXXX. I also asked if they had a signed contract and to send that too. They haven't sent it. They are reporting to the credit bureaus illegally and I want them to cease and desist. I am unable to buy a home because of them and the bill gets higher and higher every month. 

They have a garnishment and can seize my income taxes. I have not been to court for this either. I feel like this is illegal several ways. I feel trapped and unable to move forward. It's very stressful to receive bills from them with a higher amount every month and not be able to do anything about it. 

XXXX XXXX XXXX is the original creditor. I didn't receive any information on terms and conditions when I originally signed up for the XXXX. I went in XXXX XXXX, gave them my information, they inputted it in the computer, and said I was approved and would receive my card in the mail. They wrote on a piece of paper my card number to use it until my card arrived. If I knew what I know now, I would have never got the card. No information about anything was received originally.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX auto finance Account # ending 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 a account without my written instructions
Product: Credit card

The discussion for billing issues with Well Fargo Visa are on continues basis since XXXX customer service and management over the phone, e-mail and mail. I can provide you with correspondence between myself and the company since XXXX. Some questions did get resolved along the way, however it should not take months or years to get simple questions resolved. I can provide with correspondence upon request. 

After I did thorough calculations, for XXXX the company owe me a credit for {$3000.00}. Also, it owes me {$500.00} statement credit for fees/interests {$500.00}. We had a written discussion about this matter. The company didn't respond to this letter or request since XX/XX/XXXX. I did receive auto-response from the company, that letter was received and under review and will be responded in XXXX business days. Right now, according to XXXX my account is 60 days past due in payments. This is because the company refuses to solve simple math problems or there is something underlining that isn't shared with their long time client? I have a very good standing credit history and this method serving clients is very suspicious. I'm unable to use the card while it's open because of none payment and because they are not serving their clients appropriately. I requested to cash out the check for the credit, close the card, and fix credit history to good standing and take blame for their error reporting however nothing was done. 

Since this problem was not resolved the carry over debt and credit problems rolled over to XXXX. The last purchase I did with this card was on XX/XX/XXXX from XXXX XXXX for {$42.00} and since that time I'm unable to use this card. Since XXXX, I did request for Covid -19 Financial Hardship Application to cover some of these expenses. I received response on XX/XX/XXXX that they no longer offer this type of help. That's with one year delay.

I hope your company can help me to deal with this problem as soon as possible without transferring to another company. I need honest XXXX credit card company that will respond immediately to customer needs. This is by the way my second credit card with same issues. I'm also having same type of issues with XXXX XXXX card that served me for decades without problem. Please find underling issues so I can use my cards, get refunded credits and fix my credit history that is not so easy to fix after it has been effected. Thanks.
Product: Credit reporting or other personal consumer reports

This account SELF FINIACIAL is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. In addition, this account is shown on my credit report as a CLOSED ACCOUNT WITH INACCURATE BALANCE, INACCURATE AMOUNT PAST DUE AND MINIMUM MONTHLY PAYMENT from XXXX XXXX XXXX  XXXX. I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report. I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with DETAILED INVESTEGATION OF DOCUMENTATION proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Debt collection

My name is XXXX XXXX and I went to prison on XXXX and I was released XXXX of XXXX. Midland credit Management sent me and filed with the credit bureaus that I owe {$560.00} to XXXX and Midland. I blocked my card at a XXXX XXXX  and was told no charges would be allowed on the card until I reactivated the card. I did this because I was going to be in prison and I did this for this exact reason. I contacted Midland and they told me the card was used and someone paid some of the balance through XXXX. I did not authorize this and the card was locked. I don't know how this happened, the card was locked. When the card was locked in XXXX XXXX I had a limit of {$2000.00}, a credit of {$5.00} owed to me and rewards in the balance of {$690.00} which XXXX never returned to me. I have sent paperwork to XXXX and Midland to show that I was in prison and I had locked my card but nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days, and yet the problem is still reported in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file. 
XXXX MTG XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX THE XXXX  XXXX XXXX/XXXX  XXXX
Product: Debt collection

Midland Credit ManagementXXXX XXXX date of dispute XXXX Discharged by XXXX ( creditor ) XX/XX/16. 
I am getting at least 3 calls a day, 6 days a week. They have been using several different phone numbers when calling. This is harassment.
Product: Mortgage

Ditech 's website provides erroneous information, does not work half the time, tells me a false payment amount, provides a customer service number hat hangs up immediately -- dear XXXX, ca n't you do something about this completely incompetent organization that I never chose to do business with?
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXXSC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Checking or savings account

Navy Federal Credit Union ( NFCU ) suspended our mobile deposit permanently after depositing a check from our own business account. We sent an appeal and NFCU responded that they can not reverse the decision. They accused us of violating terms of the agreement by engaging in fraud. Of course that is NOT true, and they obviously did NOT read our appeal or weigh in the facts. 

What caused this action : XXXX XXXX XXXX, we deposited a check for {$990.00} from our own business non-NFCU checking account. Ten minutes later, we called NFCU to cancel the check since we forgot to sign the front of the check. We were advised to call back before XXXX XXXX on XX/XX/XXXX to cancel. 

XXXX XXXXXX/XX/XXXX, we called NFCU ( around XXXX XXXX  XXXX ) to explain the missing signature situation and we requested to cancel that check # XXXX, after waiting for several minutes, we were told the check has been cancelled and we did receive the email confirmation for this. Later afternoon on XX/XX/XXXX, we submitted a new signed check for the same amount but a new check number ( # XXXX ). 

XX/XX/XXXX, we saw the message in our mobile app that NFCU informed us they were standing by their decision due to fraud. 

We really wonder what kind of fraud this is.
Product: Checking or savings account

I opened an checking account at BMO on the night of XXXXXXXX XXXX  {$7500.00} direct deposit for {$500.00} bonus offer was what I saw at BMOs website and got prompted to click the application button and apply at BMOs website. BMO is now saying the promo term has now changed to {$600.00} for XXXX XXXX  direct deposit within XXXX from account opening which is different from what I signed up for. If what they're saying is that the term what a customer saw and applied for an account at your website has now changed to something different, that would be a material misleading of your promo material at your website as they failed to honor the original offer terms that customer has received and applied the account for. BMO owns the promo terms posted at their website, if something is no longer valid, they should have updated it.
Product: Checking or savings account

On the same night that I received my certified paycheck, enough was withdrawn from my account that I overdrew. I acknowledge that. However, that charge was made with a full understanding that I was going to be paid by my certified paycheck on the same day, As it is noted by the deposit I received before XXXX XXXX  on the same day.. Nevertheless, I lost {$33.00} of my income because the outgoing charge went through before the incoming payment was accepted. I dont feel this is acceptable. If theres anything that the Biden administration can do before they leave office, I would greatly appreciate it. Their goal was to help those of us who make less to be able to survive this current financial challenge. This sort of extortion by those in power is not acceptable.
Product: Checking or savings account

On XXXX XXXX I was contacted by a Recruiting staff of ( XXXX XXXX ) stating she found my resume on XXXX. They wanted to interview me for the XXXX position. I then was hired by HR and every morning at XXXX I had to sign into XXXX XXXX and train. 

On XX/XX/XXXX, I was sent my welcome letter and two checks to get all equipment needed. I deposited the checks into my USAA account and started to order the things they told me to get like the headset, printer ect. However, come to find out the checks were fraudulent, and the job was too. After, realizing what was really going on by then I was scammed out of {$2900.00}. I contacted USAA and filed a police report. USAA proceeds to lock my debit card and account because they were going to investigate as they should. 

Again, that was XX/XX/XXXX, when the investigation started. It is now well over 30 days! I have contacted USAA several times for an update. Of course, I was told the investigation should have been completed by now, however it is not, and my funds are still on hold as of XX/XX/2022. As, a service member of being in the military I thought USAA would be a great bank. I was wrong! I have bills that need to be paid and USAA has my funds still on lock.