23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I listed an item on XXXX and was contacted by a buyer who wanted to send me a check for payment. I agreed and he sent me a check written from XXXX XXXX, a XXXX XXXX. Routing number and account number showed funds available so JPMorgan/CHASE Bank cleared the check overnight, the XXXX of XXXX. The check was for significantly more than the item listed and I was directed to send the excess funds to a person in North Carolina. Then, on XXXX, XXXX XXXX, CHASE informs me that the check was fictitious and states my account is now overdrawn by the amount of the check. CHASE should not of cleared the check so quickly and should be responsible for replacing the funds.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NV XXXX Erroneous credit report by a company attempting to collect a non-valid debt.
Product: Mortgage

I knew I was going to have reduced income so in XX/XX/XXXX, I applied for a reverse mortgage with Open Mortgage. I was approved, but there were a couple of hurdles, including a judgment by my mortgage holder in addition to my mortgage - I had sued them for refusal to abide by a loan mitigation agreement. 

SunTrust entered into a stipulation with HAMP over predatory lender practices in XXXX. In XXXX, HAMP sent me a check for over {$18000.00} and sent my wife 's estate a check for over {$18000.00}. HAMP also arranged to release the second mortgage worth {$60000.00} and a reduction in the first mortgage of interest and penalties. Unfortunately, the settlement came after I had already sued SunTrust for the very things SunTrust later paid in damages. 

I wrote to SunTrust Mortgage in early XXXX to resolve the issues and at the same time Open Mortgage tried contacting SunTrust Mortgage to get a pay-off. Neither of us were successful. Finally, in late XXXX I got someone to call me back with a pay-off on the mortgage, but they could not help me with the judgment so he passed me on to someone else. I made a written offer to resolve both the pay-off of the mortgage and payment of the mortgage. The woman i talked to on the judgment got the judgment reduced, but could not tell me how long the offer was open, would not put the offer in writing and advised me she could not concluded an agreement for the mortgage and the judgment. She was unaware of the alternatives I had offered over a month prior too and said she had no authority of negotiate, but also refused to hand me off to someone who could help with both issues. 

I have been waiting months to get this resolved, and have not got any cooperation from my lender. SunTrust 's delay has put my reverse mortgage in jeopardy. I have advised them of this, but still nothing.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My experian, XXXX and equifax credit report show incorrect information. I do not have job and I'm unemployed. Please make sure it says I'm unemployed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1. XXXX  - no balance, credit limit is showing as {$3000.00}, account partially listed - XXXX, dates opened XX/XX/XXXX and last reported XX/XX/XXXX.
Product: Prepaid card

Re-submission of same claim as documented under XXXX, which, alas, has still produced no actual proof in support of the company 's claims that any terms and conditions documents were ever provided with the initial cards. To date, this has gone unproven, and I will continue to dispute what is undoubtedly a lie, until satisfaction is given! 

What proof will you provide that supports the allegations made? Please advise accordingly. Thank you. 

P.S., it would be in your company 's best interest to comply, so that I will put an auspicious end to this wholly disappointing course of conduct that your organization is so willing to perpetuate. I will not accept any outcome other than equitable indemnification of the misappropriated funds, and I have no intention of departing from that righteous path. As such, it would behoove you to alert your supervisors of this steadfast dedication to what is right, and simply return the wrongfully stolen funds.
Product: Credit reporting or other personal consumer reports

Theres a XXXX XXXX XXXX and thats not me?? Also I never lived on XXXX XXXX!!!
Product: Mortgage

I had a LoanDepot loan for my mortgage previously and then decided to refinance with LoanDepot and withdraw approximately {$10000.00} in equity from my home. 

On XX/XX/2021 I signed closing documents on a refinance of my home, in the presence of a notary provided by an agent of LoanDepot through a local closing attorney. Despite many requests, no one will provide me a copy of the documents I have executed. 

On XX/XX/2021, the loan processor, XXXX XXXX ( XXXX ) XXXX called me to tell me the " title '' part of the company needed additional information, including a copy of a bank statement I had already sent, additional proof my company was still in business, and unless I paid an additional {$2200.00}, they would not fund the loan. 

I have not rescinded my refinance, yet LoanDepot is refusing to fund the loan or send me the money I am owed from the refinance. Instead, they are attempting to extort more money from me.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX I discovered discrepancies in the following account ( XXXX ) : XXXX. XXXX XXXX Account XXXX : XXXX Balance : {$2300.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$1500.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX : XXXX Balance : {$3100.00} Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$6400.00} Opened : XX/XX/XXXX Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section XXXX ( a ) ( XXXX ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section XXXX : Right to dispute inaccuracies and request investigation. 
XXXX. Section XXXX ( a ) ( XXXX ) : Removal of unverifiable information dont validate for creditor XXXX. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy I am writing to formally dispute the inaccurate charge-off accounts and fraudulent information listed on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the Truth in Lending Act ( XXXX ), 15 U.S.C. 1601, and specifically 15 U.S.C. 1681c-2, I request the immediate deletion of these accounts and the blocking of any fraudulent information from my credit report. 
Fraudulent Information and Identity Theft I am disputing the fraudulent information on my credit report, as it is the result of identity theft. Under 15 U.S.C. 1681c-2, I am entitled to request that fraudulent information be blocked from my credit report. To support my identity theft claim, I have enclosed a copy of my Police Report and FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ). These documents substantiate my claim of identity theft, and I request that the fraudulent information be blocked in accordance with the provisions of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just speeded both of this with Equifax as well as XXXX   they're showing for folio management company that is still as I open collection amount with a XXXX balance I've requested them to remove it because it was paid in full and satisfied now they're telling me that the company responded back saying this company this is a correct amount and it will stay in your credit report if it's paid in full and no longer active it should no longer be reported on my credit to hurt my credit in order to obtain other items cuz it's showing as an open collection or if it shows other clothes collection is still needs to be removed from my collection credit report for both XXXX and Equifax
Product: Mortgage

My current monthly mortgage payments are {$600.00} per month P & I. With escrow my monthly payment is {$1200.00}. The alleged past due escrow is {$2500.00}. I have asked for a full accounting breakdown and escrow analysis on many occasions, which PHH has refused to provide. PHH is also stating that the amount to reinstate is {$8600.00}, which does not calculate mathematically. The CFPB has specific terms within rule XXXX. Any Deficiency is the amount of a negative balance in an escrow account. As noted in XXXX ( f ), if a servicer advances funds for a borrower, then the servicer must perform an escrow account analysis before seeking repayment of the deficiency. No escrow deficiency is allowed to be enforced until the escrow account items are fully analyzed. Escrow account item or separate item means any separate expenditure category, such as taxes or insurance, for which funds are collected in the escrow account for disbursement. An escrow account item with installment payments, such as local property taxes, remains one escrow account item regardless of multiple disbursement dates to the tax authority. PHH has set a foreclosure sale date for XXXX, so I am seeking assistance on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I sent out a letter to XXXX over several inquiries that were either fraudulent or incorrect to date XXXX has removed some inquiries but have failed to remove all inquiries listed in dispute without informing me why some would be removed and not others. XXXX has failed to let me know what Data furnishers they have contacted and what companies they reached out to to validate these inquiries. I have a fraud alert on my credit file so these inquiries should have never been placed on my credit file because I never verified my identity with any body that would result in a hard pull on my report. Companies include : XXXX XXXX XXXX - XXXX, XXXX XXXX/XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX has not yet removed any of the fraudulent/inaccurate items or responded to my dispute as of yet. Disputed inquiries for XXXX include : 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. TransUnion has not responded or deleted several disputed fraudulent/inaccurate inquiries as well. TransUnion inquiries include : 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: Checking or savings account

On XX/XX/XXXX I deposited my paycheck, via mobile deposit. I do this same deposit, every month, from the same company, for the same amount. When I did the mobile deposit the screen said the funds would be available in the next 48 hours. We I logged into my bank account today XX/XX/XXXX, and It showed my paycheck was being held till XXXX. This well over a week from now. I have never had my check held for over a week. I have bills due at the beginning of the month, including my rent. This hold is going to harm myself and my household. I will now have a derogatory mark and fee for late payment of rent. 
I called Bank of America, assuming there was an error, as it has never taken this long for a check to clear. The same check I deposit every month. It is close to impossible to speak to an actual person. After 15 mins of going around with the bot, I finally am able to be on hold waiting for an agent. I waited 45mins to speak to a person!

This agent tells me it take time to clear and verify the check. I explain the deposit is made every month, etc. Agent tells me, yes I can see you make this check. deposit every month. Agent can not tell me why this deposit is taking over a week to clear. Agent said there is nothing they can do, I have to wait till the 6th. Agent has me speak to their supervisor. Supervisor says much of the same. I asked why is this check being singled out. Supervisor didn't know. I asked what can be done is speed the process up, Supervisor says there's nothing. I asked if I can close my account, and take my check to my credit union instead, as waiting until the 6th is not acceptable, and will cause me financial harm. He said that wouldn't do anything that my check would still go to Bank of America. Eventually the Supervisor says he will put a request in to have my check get reviewed, he said that process may take 1-2 business days. He said they may release it, may not. The only way to know would be to check the app. I asked if there was a reference number or department for me to follow up, he said no. I said it takes 45mins to get a person on the phone, he said you can check you account balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I spoke with a Delta representative in regards to changing my flight day and time to another day. I was on the phone for an 1 1/2 hours talking with XXXX who was so politely helping me get the situation resolved. He asked during our conversation had I signed up for Sky miles. He explained the terms of how sky miles worked and said it was n't any cost to me, but if I wanted to do an application to qualify for an american express card I could do so. I proceeded to tell him, I had already filled out an application online when I was looking for flights for my up coming XX/XX/XXXX trip. On XXXX XXXX, 2017, I filled out an application and was declined the credit card. I told XXXX, I had already applied for the credit card and was denied. He ask me how long ago and I specifically told him approximately 2 months ago. He proceeded to say, we can check on that to see what we have on file. He comes back on the line and tells me they have no record of me applying for the card, and told me that perhaps I did n't get an approval letter yet. I told him that I was denied, which clearly means I received a letter. I did go ahead an redo the application based on the information he gave me. He connected me over to another department and a young lady proceeded to give me alot of info about the card and what it offers. I told her the same thing, that I had already did an application before and was n't approved. She said, ok and proceeded. After she put the info through the decision came back denied. After, I hung up with the representative, I went to my email to check the status of what the credit decision said. Well, lo and behold, I get on there and see I was declined onXX/XX/XXXX17 and XX/XX/XXXX17. My point here is that Delta should have know that a quiry was placed on there on XX/XX/XXXX17. I did n't want another quiry on my credit report. I believe they knew the first application I did was on there and therefore I feel that my rights were violated according to the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I noticed several errors on my consumer report and is disputed the errors to get them corrected. I have never had any late payments and Experian is showing that I do. I asked them to investigate and they say they verified the accounts but have not shown any proof. Who did you speak with? What documentation do you have proving that my payments were late? An investigation includes them speaking with people and gathering information, not e-Oscar, which I dont consent to. Please re-investigate and make sure my report is 100 % accurate. As of right now Experian has violated my consumer rights by not doing a fair and complete investigation. These are the accounts to re-investigate as well as the dates they have me marked as late because I have never been late. XXXX XXXX ACCT # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX ACCT # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ACCT XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX ACCT # XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ACCT XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ACCT # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX
Product: Debt collection

This is a third party account under a 3rd party collections Pinnacle Recovery Inc. I don't know anything about having agreed on setting up an account with Pinnacle. These appeared on my credit and I believed are incorrect. I have never given permission to use my personal information to open this account. My personal information was used to place this on my credit report, and have put inaccurate numbers and information. I had no knowledge of this and never gave my consent for them to use my personal information. This account is fraudulent. My information was given to a 3rd party collections which I am not aware of and never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance was recently removed from my credit report. It than reappears but states that last payment was missed XXXX of XXXX which is not valid. Per my credit history and there company last payment from me was received XXXX during the repossession. I spoke to a customer service rep at the company who stated she would get this item removed from my credit report. However it has not been removed and it has shown open and than closed more than 3 times. I have tried to work with the credit reporting people and sent 3 request to have this removed since the account is from XXXX. However I have been unsuccessful in this process as well. It has caused my credit to fluctuate up and down and I was denied a loan due to this incorrect information on my report. Both my credit report and the company show that my last payment was in XXXX but they are reporting this to the credit bureaus more recent. If the information were to be actually accurate I would owe nothing and the company would actually owe me money per my investigation. 
Can someone please help me
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. INACCURATE 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 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

A credit application was applied for in a store. TJmaxx put an inquiry on my report. I already have a card with them, I was never in the store on that date, nor would need to apply for credit. I have contacted them and Synchrony bank countless times.

Also the inquiry address and cell of the actual person who inquired was not my information nor cell number. Now 2 months later it has not be removed. Nor was I sent the investigation information as promised 3 times.
Product: Checking or savings account

XXXX. XXXX 2023 my house burned. My insurance company XXXX XXXX XXXX sent me two checks for XXXX and XXXX. I deposited the checks into my banking account with Regions in XXXX, Tennessee on XX/XX/2023. Regions held the checks until they proved the check were good. The checks were deposited into my banking account XX/XX/2023. On XX/XX/2023 regions bank decided to take out my checks putting me a - {$19000.00} in the hole. Today is the fifth day of me being promised it will be fixed and it is not yet. I and XXXX XXXX XXXX agent XXXX XXXX has done everything ask.
Product: Debt collection

I thought to make a payment with XXXX XXXX where they told me to call the collections and I did and they both gave me the runaround when I called to make a payment they had lower the payment for me and I told him give me a couple hours to call back with my bank card and then Hey call back and they gave me another story that I had to pay higher amount when they clearly gave me a reference number of me paying XXXX instead of the XXXX so I attempt to try to make the payment and they did not except it because they change their mind about a different payment of me paying more when they clearly told me if I pay for XXXX everything will be cleared and they totally lied to me Im very upset because it couldve been all paid off but they lied to me.
Product: Credit card

I called midland funding llc to resolve my cc I proceed to explain to the representative I was in a hardship and what I could do he would just not work with me. I explained I talked to family and friends and i offered a reasonable settlement to resolve this issue and he said by law he ca n't settle. My understanding is there is no law in doing a settlement so is this rep being truthful I just feel like I 'm being cornered to do something I just ca n't do I do n't know what to do