23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022 I opened a savings account with CIT Bank. After verifying the XXXX savings account I wished to transfer funds from via XXXX transactions, I submitted a request to transfer {$100.00} from my XXXX account to my CIT bank account. On XX/XX/2022, {$100.00} left my XXXX account has a transfer. To my surprise, on XX/XX/2022 an additional {$100.00} was transferred from my XXXX account to CIT Bank. I have no recollection of requesting or authorizing this transfer. 

On XX/XX/2022, I emailed XXXX for assistance. This is an email address they had listed on their website for customer assistance. I requested that CIT Bank provide me with proof that they were authorized to transfer the additional {$100.00}. I followed up on my request on XX/XX/2022. I did not receive a reply from CIT Bank until XX/XX/2022. Their reply said that it was a general informational email address and I had to request assistance elsewhere. I replied to them the same day requesting that they direct my urgent request to the appropriate person so that they could reach out to me with an answer. I did not receive a reply. 

On XX/XX/2022, I contacted CIT Bank about the same issue via their secured portal within their website. This was how the email on XX/XX/2022 advised me to contact CIT Bank on this issue. To date, I have not received a reply. The lack of response can only lead me to conclude that CIT Bank does not consider unauthorized transfers an urgent or serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted both an FTC report as well as an online dispute concerning inquires that were not authorized by me. As soon as I unfreeze my credit report for access through my current employer, random companies will gain access to my credit report. I did not place any applications anywhere nor did I authorize the institutions to pull my report. I mentioned this to Equifax and also sent in documents to substantiate my claim, but instead I was treated as a thief, liar, and a common criminal. I am a confirmed victim of Identity Theft and my information was utilized without my knowledge or consent by a relative that committed an overwhelming amount of fraud against me. Instead of trying to assist me I was met with skepticism and disrespect by Equifax. Equifax has also failed to assist me in the removal of an account that was also as a result of Fraud. I was advised by their ( Equifax ) Fraud department that the account would be removed, but instead I am calling everyday and asking questions only to be hung up on and transferred to various departments that I have no necessity for.
Product: Mortgage

Demand Lump Sum Repayment of Cares Act Loan Payments Granted Forbearance The bank has demanded {$27000.00}. They claim this amount is delinquent. 

This demand includes payments from XX/XX/XXXX, through XX/XX/XXXX, which received forbearance under the CARES Act and can not be demanded as a lump sum : https : //www.hud.gov/sites/dfiles/SFH/documents/IACOVID19FBFactSheetConsumer.pdf Federal Housing Administration Mortgages FHA does not require lump sum repayment at the end of the forbearance. 

The demand also includes XX/XX/XXXX, and XX/XX/XXXX payments which were paid on time but reported as delinquent. The bank is demanding that I pay them again. 

Each of the CARES payments includes an escrow charge for RE taxes. 

The County granted RE tax relief for the years XXXX, XXXX and refunded the bank - {$5500.00} for RE taxes in XXXX and {$5000.00} and {$5300.00} totaling {$10000.00} for RE taxes in XXXX for a grand total of {$15000.00}. 

These amounts satisfy the RE escrow components of CARES deferred payments and those payments should be reduced accordingly. 

Instead, the bank posted the refunds in escrow. According to generally accepted accounting procedures, this treatment is incorrect. Also, it is illogical as all of the bills for which the escrow account is set up as a reserve have been paid. 

The bank has refused to use the refunds to satisfy deferred payments. They have avoided the requirement that excess escrow must be refunded by keeping the account delinquent. 

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

Equifax and XXXX are continuing to report the account XXXX XXXX XXXX XXXXXXXX on my credit report when XXXX XXXX XXXX  informed me that they have contacted the credit bureaus to have them remove the account. XXXX is the only credit reporting agency that has removed the inaccurate account. Please see the attached letter that was sent directly to XXXX XXXX XXXX  which is dated, and time stamped. XXXX XXXX has done their part, so if this is not immediately removed, I will be seeking legal action against Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I wrote a dispute letter to TransUnion disputing 2 accounts as erroneous and mailed them certified. On XX/XX/2022 the letters were received by TransUnion certified mail. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate my dispute. XX/XX/2022 I decided to reach out to TransUnion letting them know I did not receive any response from them stating that they were investigating my dispute so I followed up with a demand and comply letter. In return TransUnion deleted my XXXX XXXX XXXX XXXX account # XXXX but did NOT delete the XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX. It was clearly stated that this was NOT another dispute or opportunity to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.
Product: Credit reporting or other personal consumer reports

PENNYMAC is unresponsive to my requests and seems to be discriminated towards me because Im a XXXX veteran. They are not responding to any of my requests.
Product: Checking or savings account

I opened an account at the end of XXXX 2017 under a promotion where if I had 2 direct deposits from my employer of {$300.00} or more I was to receive {$200.00} within 120 days of account opening. The website also mentioned that if I applied online this promotion would automatically be applied. I met the terms of the promotion within several weeks from my paycheck, I work for the XXXX XXXX and allotted {$300.00} per paycheck to this account. The 120 days has came and went with no bonus. I called the bank and after waiting a half hour on hold, they told me to keep waiting and if I met the terms it will eventually show up. That response was open ended and ambiguous, and just plain unacceptable. I certainly believe I met the terms of the promotion and the bank has not kept its end of the deal.
Product: Credit reporting or other personal consumer reports

I was looking at my Consumer Report and noticed that I had a late payment on one of my accounts that I was never late for. Consumer Reporting Agencies play a huge role and have a responsibility to report Consumer information the best of their ability with the utmost accuracy. I have never been late on payments for my Barclays credit card account. My account number is XXXX. Please investigate and provide proof with statements showing that this payment was late please. If the proof can not be provided I demand that this payment be updated to on time as it should be since I was never late. Thank you.
Product: Money transfer, virtual currency, or money service

Coinbase recently moved to a account confirmation process that requires either a webcam or smartphone to complete. I have tried using both and I can not get the ID verification to work. ( Note that I already was approved for the exchange and using Coinbase regularly before this new procedure was implemented. ) As a result, I can not buy or sell virtual currencies I hold via the Coinbase exchange. I have tried every alternative I could find, but the only Coinbase support readily available is a bot that spits out canned answers that do not fix the problem. I have made three requests to speak with a human who can get me back online, and I have had no response. There are many other problems with Coinbase as well  -- they are apparently overwhelmed and the site goes down all the time -- but right now I just want access to my account so I can liquidate my holdings there.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card or prepaid card

XX/XX/XXXX - I informed Goodyear of a {$1200.00} payment on my account that I did not make. Goodyear responded by thanking me for the payment ( as if they did not read what I wrote them ). 
XX/XX/XXXX - Goodyear mailed me an unsolicited check for {$1200.00} and I asked them if I was free to cash the check. Goodyear responded by telling me that once the balance was validated they would be sending me a check. ( once again they seemed to ignore my message because I just told them I had a check from them ) XX/XX/XXXX - I gave the check to charity.

XX/XX/XXXX- Goodyear made a payment reversal and charged my account {$1200.00}. 
XX/XX/XXXX - I disputed the charge, but Goodyear told me I must pay {$1200.00} during the dispute process to avoid fees and interest. I paid {$1200.00} and brought the account balance to XXXX. 
XX/XX/XXXX - Goodyear makes a " payment reversal '' of {$1200.00}, and transfers the money to another credit card I hold with Citi Bank ( I did not request this transfer ). Goodyear asks me to pay another {$1200.00}. I told Goodyear to move the money back to the Goodyear account where it belongs. 
XX/XX/XXXX-XXXXXX/XX/XXXX - I have been on the phone for hours with Goodyear. They keep apologizing for the problem and saying they will fix it. At the same time they add interest and fees to my account and have reported me as delinquent to the credit bureau. They harass me with multiple collections calls each day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, My home equity line of credit was sold by XXXX XXXX XXXX, to Specialized Loan ServicingXXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX, XXXX ) My account was issued the number XXXX, and later changed to XXXX, under the name of XXXX XXXX XXXX. I kept the loan with them until XX/XX/XXXX, when I refinanced through a different company, and the loan was paid off. during the time I was with them, I regularly made my payments each month< and was never late. I even overpaid. The only delay in payment, was in XX/XX/XXXX, due to them, updating their system, and changing my account number. They would not let me make one for a couple of weeks. As soon as the process was finished, I resumed payments. I recently received notice through one of my creditors, that they were raising my rate, due to a delinquency on my credit report through XXXX. Upon investigation, appears that Specialized Loan Service listed many months of delinquent payments to my account. I have documentation from XXXX XXXX showing where each payment was made and received each month, with no delinquency. They even stated to XXXX on a recorded phone call, during the refinance, that all my bills were paid on time. This has severely damaged my credit, and increased costs due to interest rate increases. Copies of monthly payments are attached.
Product: Credit reporting or other personal consumer reports

I applied for an auto loan on XX/XX/2024 and I was approved, but with a much lower score than what I had expected. I was told I would have to wait for the info in the mail. When I received the report I question the info. I called XXXX about the report. I printed off the FICO report and it showed my score was XXXX, and not the XXXX score that was mailed to me.At no time was I told they would be using a XXXX, I assumed they would be using a FICO score. They never informed me they would be using XXXX score, and how it could affect the outcome of my loan. This is in my opinion a Deceptive practice. I feel they should have advise me of this matter. This is the first time I have heard of this score. I went to the Credit union, I was told had I had a loan with them then they in the last XXXX years, they would have used a FICO score, so now I question is this not a form of Bias. A person has to start somewhere, and should not be penalize because I did not have a loan with them prior to asking for this loan.I was told that the always use transition because they have the lowest scores. So what this tells me is that they want people to pay more in interest, so they can make more money. This is not taken care of the membership and in my opinion creates a deceptive practice. This should be illegal and should be stopped. When they reevaluated my score, It got change and they would not tell me the score, but it did change my load percentage from XXXX to XXXX, but in order to do this I would have to wait for XXXX year or pay down {$2500.00} in order to refinance the loan
Product: Debt collection

Under 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock XXXX  and before XXXX oclock XXXX, local time at the consumers location ;
Product: Mortgage

Rushmore used Attorneys that submitted fraudulent papers on the Court not only in my case but in dozens of other mortgages. Rushmore and their Attorney deliberately and knowingly committed fraud upon the court in numerous counties against numerous properties to fraudulently obtain assignments to foreclose on properties. They submitted and affirmed that all documents were accurate when they were submitting documents where the notary had their license suspended or revoked as long as XXXX months to a year before the documents were notarized. This is just XXXX of the many frauds this firm committed along with their title companies and servicers. I intend to notify attornies that are presently revisiting cases and those that represented lost foreclosure cases and the persons who had their homes foreclosed on. They should be able to have their cases revisited also, who knows how much fraud is in all these cases.
Product: Credit reporting

I recently pulled my credit report and there are fraudulent addresses as well as accounts that do not belong to me. 
Fraudulent Addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX-Fraudulent Name 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: Mortgage

I have repeatedly emailed and called my mortgage provider ( Fifth Third Bank ) numerous times over the course of several months requesting the removal of PMI. I have submitted the paperwork providing permission in XX/XX/XXXX after sending in the extensive renovations that have been completed since closing in XX/XX/XXXX. This request has been made under " Substantial XXXX. '' The Contract price of the home was {$330000.00} with {$5000.00} credited at closing to buyer. 

The appraisal at the time of closing came in at {$360000.00} ( the home was distressed ) I placed 5 % down borrowing $ XXXXThereafter I placed {$100000.00} renovating the interior and exterior of the home and provided this list to Fifth Third months ago. A member service rep only calls me to request I send in paperwork that I have already submitted to the same email address they provide! 


Current market value is estimated between $ XXXX {$430000.00}. Current payoff is {$300000.00}. 


They are reluctant to remove this unjustified fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, submitted a complaint to XXXX  that I paid my loan in full on on XX/XX/XXXX and gave them a copy of settlement document on-line. They did not agree. so re-disputed with email from company showing the balance was paid, to include the signed settlement document. They still refused to mark the load as paid in full showing I owe over {$25000.00} on the loan. 

I have tried to put a statement on my credit report and they will not let me put a statement. The Lender has verified that I owe nothing on the loan. I have requested a letter from them as well because I do not know who XXXX  is speaking with in regards to this matter. It is causing me undo stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I received pre-approved letter for auto financing from CapitalOne. Im this letter that state I would have a limit ranging from {$4000.00} to {$35000.00}. Pursuant To Title 12 U.S. Code 84 banks and financial institutions that are part of the XXXX XXXX  XXXX has not LIMITS ON EXTENSION OF CREDIT BASED OFF OF SOME ONE SURPLUS OR CAPITAL. CapitalOne is also advertising down payment which is against the law Pursuant To Title 15 U.S. Code 1662 No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. Also asking for a down payment ( charge ) and. Monthly. Charges is a Violation Pursuant To Title 15 U.S. Code 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. 
Property damage and liability insurance include Pursuant To Title 15 U.S. Code 1605 ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.

My income pay stub and capital/surplus is not a factor is this Consumer Credit Transaction. I also have my 4th amendment right Which states that I have the right to be secured and my security interests is my right to be secured!