23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a collection letter from Resurgent Capital Services for LVNV Funding a junk collection company. They had sent me a collection letter stating that I owed {$1400.00}. I requested a Validation of Debt, NOT a Verification of Debt. The company ignored my requests and had only sent a Verification of Debt. I had informed in my letter that I was disputing the amount owed and that any negative aspect on my credit score would result in legal action. 

I received an alert this morning stating that I had received a negative hit on my credit score. My debt has not be validated by the company and my written request that this not effect my credit score has been ignored. 

My letter was specific on what I was requesting and although FDCPA does not require the company to give the information, I have only received a Verification of Debt when my letter disputing the debt was clearly requesting a Validation of debt. 
As such even the Verification of Debt has not specified the amount owed and the break down of the alleged debt. 

Also aside from the debt collection Resurgent Capital had sent a letter threatening legal action and had informed me that my account was already placed on a 6 month legal track period in the first letter which is a violation of the FDCPA regulations. This company is trying to intimidate bully and not provide the adequate information requested and I had informed them that I am disputing the debt.
Product: Mortgage

2nd complaint. I did write feedback under the original so I hope the feedback is acceptable for this complaint. 

In summary, USBANK holds the transfer morgage ( and, according to one of their staff the fee is demanded by another investor ). Not that the original document does not identify this fee. This is not a servicing fee but rather the END of a service. I spoke with a loan originator at XXXX and they were not aware of this fee. According to several financial acts, the a transfer adheres to the original contract. 

I spoke with one of your employees : # XXXX  per the wording on the USBank response to CFBP. We discussed the letter. In particular, " your morgage ... allows lenders to charge fees for its services, including the waiver of escrow. While section 14 of your mortgage regarding loan charges does not list specifically the escrow waiver fee, it shall not be construed as prohibiting that fee. '' Perhaps someone can point out the law with respect to this?

Please see the additional bullet points on my feedback to complaint # 1.
Product: Checking or savings account

What is this complaint about? 
Cost and time to constantly have to keep contacting the bank technical/security team to get access to my online banking. 

What type of problem are you having? 
I am a XXXX Citizen and have a bank account with Center State Bank in XXXX, Florida. I had a holiday home there hence the reason for the bank account. I have now sold this property but need to keep the account until all my taxes and administrative items are finalised probably into the middle of 2021. 

Every single time I try to log onto the online banking it says I have been locked out/or there is an error. 

I telephone the bank at considerable cost to me to get absolutely nowhere with them. They get me access which normally takes them anywhere from30 - 60 mins ( all the time hanging on the phone from the XXXX XXXX! 

But as soon as Iog off from the account and try to log back on the exact same thing happens again. So I have to phone the bank again - they refuse to deal with me via email - which is not helpful at all. Or what would actually be helpful if they could just sort out the account. 

What company is this complaint about? 
Center State Bank Who are the people involved? 
I have spoken to : Branch Branch Manager Central Bank XXXX XXXX XXXX  XXXX
Product: Debt collection

I have a previous complaint about this company. I checked my credit report & saw that Midland Credit Management continues to update remarks on my credit report by decreasing my account by {$1.00}. What is the purpose of this other than to continue to damage my credit & try to get me to pay?
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/ any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items /items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$770.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00}.
Product: Debt collection

I contacted the company stating that Im a victim of identity theft, I even issued a police report.. they refused to follow the law and delete the fraudulent account.
Product: Mortgage

BSI Financial calculated our XXXX property tax as MUCH more than it actually is. As a result they completely drained our escrow account and then proceeded to overcharge us on the mortgage for three months effectively eating our savings. During multiple emails through the chat site of BSI website, and multiple phone calls I have attempted to resolve this issue with them personally. In order to have our mortgage brought back down to our contracted rate, as well as have our escrow balance refunded. I have received proof which I will attach to this complaint, from my county auditor 's office showing that their calculation of my property taxes was immensely incorrect and they should not be overcharging me. Even with all my attempts to solve this problem directly with my mortgage company they have been exceedingly unhelpful and unwilling to cooperate. Even when I have pointed out to them the multiple lawsuits over the last just four years against them and settlements they have had to pay out for doing this exact same thing. IE : incorrectly calculating property taxes, failing to pay home insurance but saying they have, etcetera. and overcharging on mortgages to other people. They deny and state that they're not doing anything wrong they do not have to refund me they're charging me the correct amount and they just are in complete denial about all the proof that I have found against them. 
Throughout the entire COVID pandemic and the entire time we have owned our house, since XX/XX/XXXX, we have never been late and have never missed a mortgage payment. However due to the fact that we are low income household with XXXX children, my savings for six months worth of mortgage got eaten up and under three months because of what they've done. Now I am a month behind on my mortgage and in jeopardy of my credit score being affected as well as being closer to foreclosure each day.
Product: Debt collection

I requested a copy of this signed agreement multiple times. This debt is XXXX old and I am just now getting signed agreement. However ; my signature was fraudulently placed on this document from the original sale order. I know this for a FACT because several pages are missing dates and customer ID information. Not only this but on page 3, the signed document has another person 's name, ID, and sales order information.
Product: Credit card

I have a card for Best Buy Stores through CitiBank that I used to finance some appliances. I tried to use the auto-pay option and my billing setup keeps being disabled. As a result I have XXXX black marks on my credit report for a bill that I had the means and every intention to pay. The web interface is obtuse and their customer service refused to work worth me in anyway after I had brought my account current and re-configure auto bill pay. Personally I will be transferring my balance away from them ASAP and I will never do business with either Best Buy or CitiBank in anyway in the future.
Product: Credit reporting or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer. 

Account name : XXXX XXXX XXXX XXXX XXXX  Account Balance : {$4200.00} File number : XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of notice. I look forward to your response. 

Thank you XXXX I want the transactions blocked and deleted from my consumer report.
Product: Payday loan, title loan, personal loan, or advance loan

I was refinancing my home mortgage and was sent some check to sign and send in as payoffs. I sent a check to the wrong branch of my bank and they deposited it even though the check was not made out to them. The check was deposited on XX/XX/year>. The total amount of the check was {$10000.00} and some change. This check was supposed to be applied to a personal loan i had with my bank Santander. The check was sent to Santander Consumer USA and applied to a car loan i had already paid off. I have now reached out to Santander Consumer USA several times and have been reassured that a check was sent back to me. Every single time I've called them they say something different and i have not received the check. So basically they applied the money to a loan i had already paid off and deposited a check that was not made out to them. They are refusing to send the check or apply the amount to the personal ; loan account. This is affecting my credit and is putting my mortgage at risk of being rescinded. I have documents showing the account the check was deposited to and also a copy of the check.
Product: Mortgage

Bank of America continues to assign and then reassign customer relations managers to me without resolving any of the ongoing issues or maintaining adequate contact after initial first contact. 

They have now assigned me XXXX XXXX. Just recently, a couple weeks ago, I was assigned to XXXX XXXX who recently left a voice message with XXXX XXXX, only to have on record that they contacted me. After I called back, I did not get a response back from XXXX XXXX. Instead, received, yet another letter from BofA stating my customer manager has been replaced. ( see ensclosure ) Their only solution is to have me restart the nightmare process. 

This is now going on for years with no attempt by BofA to admit wrong doing for their lack of customer service and poor handling of a loan. Bof A has yet to rectify the problem. 

Below is the bullet list of past problem. 
1. I was given a list of requested documents that I turned in. 
2. I had to keep calling to see if was received and accepted. 
3. I was told I needed addition information. 
4.After sending in the additional information, I was told I needed more additional information. 
5. I get a letter weeks later that they canceled my loan. 
6. I had to call to get it restarted again. 
7.Underwriters requested more documents. I did n't even understand some of what was being requested. 
8 It was then requested I send my entire tax records of 2013. This was about an inch thick and very difficult to do. 
9 the requested more information that was already contained in the sent info. 
10. I re-sent information once again. 
11. I was told on at least XXXX occasions said this should be it, I just need a signature of something and we are good to go. 
12. I would end up sending more info. 
13.I would call again to learn they wanted more information. They wanted a break down, some rental accounting sheet that I did n't have. 
14. They have changed representatives to assist me at least 8 times. 
15. They occasionally call because of the complaints I filed with the CFPB but only state computerized responses and no help. 
16. Many times I was given a number for assistance but ended up in a maze of departments unable to get through. 
17. Towards they end, I was told I made to much for a loan modification, therefore I contacted the refinance department which stated I did not make enough for a refinance 18. Another representative suggested I default on my loan, ruin my credit to have a better chance of a modification. 
19. I was contacted by a representative who gets XXXX XXXX 's ( B of A CEO ) emails however she requested the same information and more, to which I can no longer go through and no longer trust the process. 
20. Bank of Americas only solution to rectify this problem is to have me restart the entire process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX Balance XXXX {$860.00} ; Medical XXXX Balance : {$200.00} ; Medical XXXX Balance : {$31.00} ; Medical XXXX Balance : {$540.00} ; Medical XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The numerous of credit inquires that are on my credit Report are inaccurate and fraudulent I did not give consent neither do I have knowledge of these inquires XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX/XXXX/XXXX I went to a XXXX clinic named XXXX XXXX XXXX, XXXX offices located at XXXX XXXX XXXX XXXX, XXXX Fl. XXXX seeking for XXXX treatment, they refused to accept monthly payments or payments for visits, t was very clear that I could pay every time for my treatment even if that would be 3 times per week, instead the clinic contacted Care Credit, to get me a loan so they could get paid ahead the amount of {$5000.00} I already had a credit with Synchrony Bank ( Care credit ) for {$1000.00} ( card ending in XXXX ) another credit card for {$4000.00} ( card ending XXXX ) was mailed to me and quickly charged for the XXXX Clinic, both card were given a promotional payment of 18 month, on XXXX XXXX XXXX I had a balance of {$1800.00} in the card ending XXXX, I contacted my Bank XXXX to make a balance Transfer from my XXXX credit card to Synchrony Bank to pay off the balance, but the bank sent a check with the wrong account number ( XXXX ) Synchrony bank rejected the payment and they told me I had to submit a payment on XXXX/XXXX/XXXX and a period of grace would be extended until XXXX XXXX XXXX or interest for 26.99 % would be collected of the full amount, something that I reject that, because do n't make sense and that possibility was not explained on XXXX XXXX, any way the interest were fully charged on XXXX XXXX, I sent a payment of {$200.00} on XXXX the XXXX, Synchrony Bank forgot the extended period of grace promised and they want to collect now {$2900.00} I ca n't trust the Bank anymore even if I could submit the rest of {$1600.00} today the interest of 26.99 % of {$5000.00} is already in my statement. The interest of the balance is only {$430.00} a difference of {$930.00} is too much for me specially without any employment or weekly salary. I was un-aware of this predatory lending from Synchrony Bank even when it was highly suspicious that the clinic refused to accept my weekly payments, and that was because my medical condition returned 3 month later after the last treatment, I did not that I was not supposed to be forced to pay ahead for XXXX treatments, I kept paying any way but enough is enough, and I would like to see now a copy of the check paid to the clinic by Synchrony bank just to make sure that the amount is right, further more the Florida laws allow to collect a maximum interest of 18 % in any debt.
Product: Credit card

PNC bank imposed an unfair ( if not illegal late fee ) against my PNC XXXX XXXX XXXX .The due date for my credit card is always the XXXX of the month so my most recent due dates have been XXXX, XXXX, and XXXX. I made an early payment 0n XXXX ( which PNC accepted as a payment toward the XXXX due date ). I did not get a late fee. I made a series of payments in XXXX that more than covered the XXXX payment ; in fact I made a payment on XXXX, very similar to what I did in XXXX. When I made a payment on XXXX ( after the XXXX duly date ), they did not not count it toward my XXXX payment. They applied a late fee which is basically penalizing me for pre-payment. XXXXMy minimum payment due by the way was {$25.00}. 

Notes ; Below are the payments I made. I deleted references to my checking acct ( also with PNC ) and my credit card. I can provide acct ref. if necessary ) : XXXX/XXXX/2016 Completed {$300.00} From : To : Interest Checking - PNC points XXXX - XXXX/XXXX/2016 Completed {$150.00} From : To : Interest Checking - PNC points XXXX XXXX - XXXX/XXXX/2016 Completed {$150.00} From : To : Interest Checking - PNC points XXXX XXXX - XXXX/XXXX/2016 Completed {$250.00} From : To : Interest Checking - PNC points XXXX XXXX - XXXX/XXXX/2016 Completed {$170.00} From : To : Interest Checking - PNC points XXXX -
Product: Debt collection

To whom it may concern, I received a letter from your company attempting to collect an alleged debt. For starters, I do not owe your company any money. For two it is not legal for you to collect a debt on behalf of another collection agency. I would like to ask, are you insinuating that I had an account, or some sort of credit with your company Source Receivables Management? I have never done business with your company, I need you to provide legal proof that I have the right to do business with you, what bonds me to you? What kind of business dealings have I done with you? 

I am demanding that you remove this account from my credit reports at once. It is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. I sent your company a debt validation letter on XX/XX/2022. It is a violation of the Fair Credit Reporting Act to report false information to a consumer 's credit file, you legally have 30 days ( about 4 and a half weeks ) to respond to my request. It has been over 60 days since I originally sent you a debt validation letter, you not obligated by law to remove this account from my credit file. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you in any qualified state or federal court, including small claims court in my area. I look forward to a swift and amicable resolution to this matter. Attached is my legal documentation from the FCRA, please remove this account as soon as possible. 

Remove this account from my credit file : Source Receivables Management {$2400.00}
Product: Checking or savings account

I submitted a claim back in XXXX of this year on a order from XXXX I never received. Right away I contacted the merchant in which I was promised a refund since the restaurant was closed. I received a confirmation email from XXXX. Fast forward to XXXX my claim was denied with no explanation as to when I had tangible evidence between email, phone calls, and waiting for the funds to reverse back into my account, I made a complaint with the XXXX XXXX XXXX  and someone contacted ( XXXX XXXX XXXX ) via email. For the past month I have sent numerous emails and calls trying to get in contact. Still no answer.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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

I had just been informed that I have been a victim of an Equifax data breach. Plus I just just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX.
Product: Debt collection

On XX/XX/XXXX, I sent a letter to Capital One asking them to validate the debt for two accounts. As of XX/XX/XXXX Capital One have fail to respond.
Product: Credit reporting

On XX/XX/2016 I sent out two separate letters to XXXX XXXX XXXX, they have XXXX separate accounts listed on my credit report stating that I allegedly owe {$370.00}. I disputed these matters with them and never heard a word from them with proof of ownership of mine for these accounts. They have still to this day yet to furnish proof of me owning this debt. They are way past the 30 day reporting timeframe and have broken the law.