23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to formally lodge a complaint against Fifth Third Bank for the egregious mismanagement of my mortgage escrow account. This letter serves to highlight the sequence of events that have not only caused significant financial distress but also reflect a gross negligence on the part of the bank. 

Fifth Third Bank, after acquiring my loan from a previous lender XXXX of XXXXa transition over which I had no control or sayfailed in their fundamental duty to inform me of critical changes to my escrow balance. I was kept in the dark when my escrow account went into a negative balance when the Property Taxes were paid XXXX of XXXX. This lapse in communication is a blatant disregard for the duty of care owed to their customers. 

Adding insult to injury, the bank continued to collect an incorrect ( {$2100.00} ) amount for escrow for an entire year, exacerbating the deficit in my account. Again, I was met with a disconcerting silence from FifthThird Bank ; no attempt was made to inform or consult me about these developments that I should be paying {$400.00} more monthly to adjust for the new tax assessment. It is not only unprofessional but also unethical to keep a customer uninformed about such critical financial matters. 

The culmination of this negligence has resulted in a sudden and unreasonable demand from the bank for me to pay an additional {$1100.00} per month to rectify their mistake. This expectation, delivered XX/XX/XXXX with a mere 30-day notice, is not only unfair but also financially burdensome. 

Furthermore, I suspect this lack of communication regarding the property tax rate change and the corresponding increase in my home 's value was a strategic move by XXXX and Fifth Bank. By not acknowledging these changes, the bank conveniently avoided reaching the 80 % loan-to-value threshold that would necessitate the discontinuation of mortgage insurance. The omission of said mortgage insurance would have rectified the deficit created by this egregious oversight. This action, or lack thereof, suggests a deliberate attempt to profit at my expense. 

I am compelled to point out that such burdensome financial tactics can lead to devastating consequences, including the loss of homes. This is especially concerning in beach communities where the demographic is predominantly white. The actions of Fifth Third Bank, I fear, may be part of a larger, more insidious agenda to keep XXXX families out of these communities. 

I am sure that I am not the only customer who has suffered due to these practices. This situation raises serious concerns about systemic discriminatory practices that could be affecting many other homeowners, especially in minority communities. It is imperative that the Consumer Financial Protection Bureau investigates Fifth Third Bank not only for their mismanagement of escrow accounts but also for potential discriminatory practices against minority homeowners. 

This entire ordeal has not only created a financial hardship for me but also significant stress and inconvenience in my time I can never get back.
Product: Debt collection

I continue to block phone calls from Delta Management, which calls from ( XXXX ) XXXX and ( XXXX ) XXXX. My XXXX app says Delta Management is a mortgage lender. I have a mortgage through a credit union. Today I got a message from my church saying XXXX from Delta Management called to ask if I worked there. This is abusive and illegal.
Product: Checking or savings account

I walked into Citizens Bank on Thursday XX/XX/2021 to open a new business management account for NH XXXX XXXX XXXX. I walked in and there was very little literature available to read at the location on XXXX XXXX XXXX XXXX, NH XXXX. There was a teller working and assisting consumers. I walked to one of the office doors to read the marketing and products offered at Citizens Bank. When I stood there XXXX XXXX opened the door and didn't know I was there. " Sorry, '' he said. " I did not mean to hit you. '' I asked him, " What do you do here? '' I took one of his business cards that notifies the consumer he is a XXXX XXXX. I asked him, " What are you managing? '' XXXX XXXX said to me, " You have to go talk to XXXX. '' I was not happy with his recommendation. If XXXX is managing wealth in the community he is directing people where to go or talk to XXXX. I do not feel safe with his management at Citizens Bank. I have no idea who XXXX is and I have no idea what companies XXXX XXXX works with or what his portfolio looks like. I am not sure if XXXX XXXX is an honest wealth manager at Citizens Bank. I feel XXXX XXXX is frauding the consumer and stealing money and personal information. XXXX XXXX does not work with my NH XXXX XXXX XXXX and he is not an approved manager.
Product: Debt collection

Sent letters to dispute LVNV Funding LLC to credit bureaus. Credit Bureaus responded back that the account was verified. Since I know that the Credit Bureaus never do a proper investigation, that's when I decided to dispute with LVNV Funding LLC directly. I do not have a contract with LVNV Funding LLC and I wanted them to send me account validation by providing the requested documentation that they never provided. As per the letter I sent to LVNV Funding LLC they had up to 30 days to send to me all documentation requested or stop all collection activity. Since LVNV Funding LLC never provided none of the documentation, these accounts needs to be deleted from my consumer credit report immediately.
Product: Credit card

CitiBank recently closed XXXX credit card accounts sending me a letter saying " we are not a fit '' because I did not use the accounts. My XXXX score is XXXX. Today I applied for a Citi Advantage Card, and was denied.Why is Citi shutting down my credit when my score is the highest it has ever been, and my debt is the lowest it has ever been? I am obviously a good credit, and I worked for the bank for over 5 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this complain to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous items which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$470.00} XXXX XXXX  XXXX Balance XXXX {$880.00} XXXX XXXX  XXXX Balance XXXX {$730.00} XXXX XXXX XXXX Balance XXXX {$1100.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX {$7600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXXXXXX XXXX XXXXXXXX credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. When I first used the card I was told at the shop that I had no payments for 6 months as a promotional offer. Thinking that I didn't have any payments for 6 months I did not worry about the payments until I checked my account and seen I was 90 days late. I was not getting monthly statements because they were being flagged as spam from XXXX. I contacted XXXX XXXX and explained the situation and they do not care. I have made every other payment after that on time and sometimes more than the minimum. I want the late marks on my credit to be removed as I was told I had no payment for 6 months when making the purchase.
Product: Mortgage

I was in the process of selling my house and I asked my old loan company ( Stearns Lending ) for a payoff so I could be ready by our closing date and in the middle of them getting me my payoff they sell my loan to Guaranteed Rate, I wasn't notified of this process until 7 days after it was sold and I had to find out myself by calling my old loan Company. I've been trying to get my pay off from Guaranteed Rate for around 10 days now and they keep transferring me to different people, and giving me different solutions on how this will be resolved. I've already missed two closing dates because of this issue. The first time I called the representative on the phone told me she would put in the request and I would get a mailed copy of my payoff within 10 days, The second time I called I was told representatives couldn't put in the request and that I had to specifically request it myself by email and I wouldn't get my results up to 14 days of request. I emailed a second time asking them to reply to me about my first email to see if they got it and they also didn't respond to it. I had to call a third time just to check and make sure they got my email. It seems like they just keep transferring me to different people, and making up excuses and different ways for them to not give me my payoff so they can add more fees to it.
Product: Mortgage

I have tried to get a loan modification for the last XXXX months, due to Covid related financial hardships. I have applied several times with Citizens One Mortgage, their customer service is horrible. I was apparently assigned a Relationship Mgr, whom I can NEVER speak with. I have submitted every document requested of me, with no consisitant or truthful updates of my application. I was told that my application was denied several times, and that correspndance outlining this denial was mailed to me. I did not recieve any corresondance, and when I asked about it, I was given a tracking number. Upon checking the tracking of the letter, it stated that only a label was printed, but never mailed to me. I was also told that my account was still in forbearance, when it actually was not. No ever contacted me about an end date of the forbearance, nor did anyone provide me truthful information regarding the forbearance. I was told by several customer service reps that once the forbearance was over, that my arrears would be put on the back of my loan and I would resume my payments at an amount deemed by the modificatin team. NOT TRUE!!!! I was also told in XX/XX/XXXX, not to make any payments towards my loan as it would affect my modification, again not true. Now I am XXXX months past the end of my forbearance and I have recieved letters from an attorney representig Citizen 's One regarding foreclosure. I have left messages for over a year to speak with someone regarding my account and NO ONE has retuned my calls or emails. I feel that Citizen 's One has misled me during these trying times of Covid 19 and lack any empathy towards their consumers. I fear I will lose my home due to incorrect information and misleading correspondance during this process. I am repared to stay in my hme and resume my normal payments, but I can't speak to anyone to express this. There are serious language barriers with their customer service and the rudeness of most of them does not help the situation. I have been hung up on, yelled at, accused of lying and just simply disregarded. I have been read a script so much that I know the script by memory. 
XXXX XXXX XXXX MODIFICATION APP SENT XX/XX/XXXX TOLD APP WAS DENIED, REAPPLY, ( HAS SPOKEN WITH CUST SERV EVERY MONTHSINCE XX/XX/XXXX, WAS NOT TOLD THIS INFOR TIL NOW ) XXXX XXXX XXXX MODIFICATION APPLICATION/APPEAL SENT XXXX XXXX XXXX CALLED EVERY WEEK FOR UPDATES XXXX XXXX TOLD DOCUMENTS ARE NEEDED AS WELL NEW APPLICATION XXXX XXXX XXXX CALLED EVERY WEEK FOR UPDATES, SENT ALL DOCUMENTS REQUESTED ( GIVEN FALSE INFO ) XX/XX/XXXX, XXXX TOLD I WAS DENIED FOR COVID RELIEF AND LTR WOULD BE MAILED DETAILING DENIAL REASONS ( NEVER RECIEVED ) XX/XX/XXXX, XXXX LTR FROM RELATIONSHIP MGR, XXXX XXXX, ( MAY NOT BE A REAL PERSON AT THS POINT ) STATING MY APPLICATION WAS REVIEWED AND THAT ALL DOCUMENTS HAD BEEN RECIEVED AS OF XX/XX/XXXX. 
XX/XX/XXXX, XXXX TOLD APPLICATION WAS DENIED ALL TOGEHTER AND TO APPEAL. ASKED TO SPEAK WITH REATIONSHIP MGR OR A MGR AND WAS DENIED. WAS TOLD MESSAGES WERE LEFT AND THAT SOME WOULD CALL ME BACK, NEVER RECIEVED A CALL OR EMAIL.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account # XXXX was properly investigation but how is that possible if the account is inaccurate. I had called XXXX that is the number to the us department of education. I had spoken to a representative & she had ensured me that the student loan for this account was cancelled/refunded back to the department of education back in 2015. She also ensured that this student loan does not exist & shouldn't be reporting on my credit report. she told me i had dispute it with the credit bureaus. This account is negatively impacting my credit score and with me trying to obtain a house. This is ground for removal they also violated my rights under.

15 USC 1681 section 602 A : Sates I have the right to privacy.

15 USC 1618 section 604 A section 2 : It's also states a consumer reporting agency can not furnish a account without my written instruction
Product: Debt collection

they trying to say if i dont pay they will make sure it well hurt my credit score
Product: Payday loan, title loan, or personal loan

I made contact with Check N Go Management and left a a couple of voicemail messages as nobody was available to attend my calls. 
I am respectfully requesting that Check N Go reps stop trying to withdraw money out my XXXX XXXX  XXXX checking account ending # XXXX as my account is overdrawn with excessive fees of around {$400.00} and there is no funds available. 
I am respectfully going through a difficult financial hardship and my family hardships and going through a Coronavirus issues. 

Check N Go Management hasn't sent me the new balance of debt and there is fees with XXXX  XXXX XXXX checking account ending # XXXX that has been excessive fees of overdraft by Check n Go. 
I am respectfully XXXX Lifetime and Retired.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victom of fraud and there is a bankruptcy listed on my equifax credit report that is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

on my Experian report I have paid over half on my credit card balance and my credit score has not changed. This is my second complaint on Experian and it seems as though it has become a personal vendetta -- no matter -- -do they realize how much control they hold in their..With a credit report they can make it hard for you to get futher in life -- -meaning a job -- which is your lively hood -- or a home -- which is your place of living -- -so with that being said they need to be perfect -- and yes I mean to the T..My XXXX card limit is XXXX Ihave that paid down to XXXX and they have that as 34 % paid -- I have enclosed a copy of this -- that is over 50 % paid. In my last complain they said they would update that and they would send me a copy -- that is yet to be seen -- I guess they mean next year in XX/XX/2019 -- oh well -- also I have paid off 2 accounts and still no raise of credit score. And surely it is not a such thing as they need time -- when the credit limit was maxed out -- aah I think it took one and I do mean one day to post that and to lower my score -- so I am not understanding why the wait is when I do it like they tell me. In my last complaint it was mention that it depends on the needs of the creditor -- -XXXX -- I have mention that to several creditors and they are saying they go by the numbers first -- -- the numbers the credit bureau is showing and then they consider other factors.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following personal information is incorrect. Delete and update immediately.
Product: Debt collection

hello my name is XXXX XXXX i been disputeing XXXX XXXX from my credit report for months i do not owe XXXX XXXX  any money they are also reporting the collection to times on my equifax report. this is against fcra laws. 

delete off my credit report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX To Whom it may  Concern : This is this complaint is submitted Under FRCA 609 OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill XXXX or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. This account is not accurate XXXX XXXX XXXX # XXXX error please delete under FCRA 609, 623,611.
Product: Debt collection

The company was sold to another company I believe. It just popped ip on my credit report in 2022 and says that it will continue to report for another XXXX  years id so. This is not right.
Product: Debt collection

Last year in XXXX, I was car jacked by two XXXX men at a gas station in XXXX XXXX, Illinois. My car was stolen. I immediately called XXXX and they tracked the suspects down in a forced stop. My car was totaled. However, once my car was retrieved. XXXX XXXX , XXXX in XXXX XXXX was not very nice to me. They would not let me get my things out the car or even look at the damages. Earlier that year about a month before my car needed repairs. I purchased my car at Toyota in XXXX Indiana and the Manager lied against me and would not make the necessary repairs to my car before I was car jacked. Toyota collected my car with out my knowledge after the car jacking, repaired the damages to the vehicle from the force stop and sold it to another buyer. Toyota said I voluntarily surrendered my car back to them. I did not surrender my car. I never had a conversation with Toyota or the collection agency XXXX XXXX , XXXX. Unfortunately, I had a bad year in XXXX and XXXX. I could not contact anyone because I was XXXX and XXXX for 1yr. I do not owe this debt or remaining balance that is owed on this car. It's a XXXX Toyota XXXX. The suspects are currently in XXXX and awaiting XXXX.
Product: Credit card or prepaid card

XXXX and XXXX they never responded to these and are still open and the description of what took place is very outlined and it was all and ceated by wells fargo they lied/remove/delete and added all kinds of activity please read all the explanations and they are trying to get away with everything and was created by them please look at the explanations and they also deleted all kinds of statements and added all kinds of activity that had nothing to do with me and created all these accounts. enough is enough
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed as by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that you, EQUIFAX a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at : XXXX XXXX Account NumberXXXX XXXX XXXX XXXX Account NumberXXXX XXXXXXXX XXXX XXXX XXXXXXXX Account NumberXXXX XXXX XXXX Account Number:XXXX XXXX XXXX  Account NumberXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : These accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, and or hard inquires as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a third demand for the unverified items listed below that remain on my credit report in violation of Federal Law. FCRA requires the credit bureaus to have a copy of the original creditors documentation on file to verify the accounts are accurate. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). The companies have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
1.XXXX XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6.XXXX  # XXXX 7.XXXX XXXX XXXX # XXXX