23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The XXXX Fire of XX/XX/2018 destroyed my second home as well as the wellhouse,  workshop, water tanks and solar power on my XXXX acre Ranch in the XXXX XXXX mountains above XXXX. I have a mortgage on the property at City National Bank. In XX/XX/2018 XXXX XXXX paid out my buildings insurance in the amount of {$480000.00} plus {$48000.00} with checks made out to myself - XXXX XXXX - and City National Bank. XXXX deposited those checks, telling me they were in a money market account. It was almost three months before they would give me the details of that loan account. In the period since that money was deposited I have asked for the regulations or protocols governing the banks disbursement of those funds in a case like mine, where I have urgent costs for repair, rescue and recovery before I can get to the rebuilding. I have not received such information from the bank. XXXX has repeatedly ignored my requests for information and persists in treating that insurance payout and the funds therefrom as a loan for which I am applying to them for a new build. They have not acknowledged my circumstances except in the most cursory way. They have shuttled me from one customer " care '' advisor to the next, I am now on my third team of allegedly helpful advisors. None of these people has made the slightest effort to adjust their assertion that I am borrowing for a new build, to an understanding of the realities of catastrophic fire destruction at a property like mine. Instead they are letting time go by, shifting me from one person to the next who then takes a lot of time to " review '' my documents, which are a series of increasingly desperate and upset appeals to them for assistance with funds for emergency expenses associated with my position. I still do not know when and how these people intend to disburse the funds that XXXX have allocated for me to spend on the recovery and repair that has - in order to mitigate further damage and decline at the property XXXX allege to have an interest in restoring - already cost me a great deal. I am deeply traumatized by the fire itself, but almost more so by the callous and cavalier attitude of City National Bank - a small bank that I chose because of its personal touch. Personal and personable up till XXXX of last year and the aftermath of the XXXX Fire. I literally don't know where to turn. I don't want to hire a lawyer and spend money to go after this money, but I can't see how else this will be resolved. I have hired an architect to help with planning the rebuild and from the insurance company and XXXX County we have only received help and warm, consoling advice and support, whereas we have had to struggle with the bank for them simply to pay the architect for his retainer. I have documented the correspondence and can share all the information you might need to look into this. I beg you. Please help me to unravel this knot?
Product: Debt collection

The debt buyer LVNV funding has charged an additional {$1.00} every month on top of the original high credit amount of {$790.00}. I am unsure of the exact start date, but it would appear to begin in XX/XX/XXXX with the current amount the debt buyer is stating owed to the creditor being {$1000.00}. The debt buyer has also falsely reported to credit bureaus the consumer had disputed the debt every month to change the last activity date on the account to keep it appearing as current and provide a comment to credit reporting agencies regarding collection accounts. The debt buyer contacted the consumer on their mobile phone in XXXX and advised when the consumer requested validation of debt that " we '' were passed providing the validation of the debt while yelling and trying to intimidate the consumer with volatile language and using the tactic of yelling over consumer not allowing for any questioning or clarification. The collection is reporting to all three credit bureaus as an account listed as " other type '' and continuing to falsely report consumer disputes monthly as well as continuing to add {$1.00} to the original amount every month constantly increasing the balance and past due amount.
Product: Bank account or service

I deposited a check from my old company 's benefits program for XXXX at Bank Of America on XXXX XXXX, 2015 to find out that the receipt says : Available Now : $ XXXXAvailable Balance : $ XXXXHold notice has been placed on your depositTotal amount delayed $ XXXXFunds Availability on XXXX XXXX, 2015 by XXXXReason : A hold was placed on your deposit because the account had multiple overdrafts inthe last six months. 
I can not AFFORD to wait another 11 days, because I have been out of work all year, and my bills are BEYOND being backed up now.I am almost homeless. 
CAN I WITHDRAW this money and just go somewhere else?
Product: Debt collection

HSBC credit card is showing on my credit report and XXXX XXXX XXXX, XXXX is trying to collect on a debt on HSBC behalf that I am in disagreance in with. It is reporting {$1100.00} - I do not have any knowledge of this account this account was reported to my XXXX  credit bureau it is drastically and negatively affecting my credit. I am currently in the process to buy a new home and this company and or HSBC is delaying the process due to this collection account. I have reached out to this XXXX XXXX XXXX twice and they are not able to provide me with current or correct dates. Also, I am filing a formal complaint with the XXXX   in regards to this debt collection. Collection agent/agency stated they spoken with me I have never called in at all to speak with anyone at this collection agency. I am exercising my FCRA rights with this debt.
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 XXXX XXXX XXXX. 

Account Name : ACHIEVE PERSONAL LOANS Account Number : XXXX Account Name : LENDING PT Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : BMOHARRISBK Account Number : XXXX and list of Inquiries. 


XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Checking or savings account

I made a check deposit to my checking account with Bank of America. The next day I made a withdrawal with the exact amount. On the same day, I deposited some of the money and then withdrew some again. The next day, I deposited some money and all of the sudden I received a phone call saying my bank has been closed. In addition, they put the check I deposited on hold and it wasnt clear. I tried to tell them it was officially my check I deposited from my 401k.
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXX CT NY XXXX XXXXn the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.
Product: Checking or savings account

I am attempting to recover my father 's accounts from Merrill Lynch, both his retirement account and personal taxable investment account. He passed away on XX/XX/2024. Despite complying with all requests from the company, I still can not get the company to hand over the funds to the estate, something I have separately done effectively with XXXX XXXX, XXXX, and Merrill 's parent company Bank of America . 

I first contacted Merrill in XXXXXXXX XXXX XXXX to inform them of my father 's passing and to freeze the accounts. They requested information including the death certificate, court order, and instructions. These were first handed over on XX/XX/XXXXXXXX XXXX XXXX. 

Since then I have made over 40 attempts to contact Merrill and get the accounts settled. I have worked with their estate representative, XXXX XXXX, who occasionally will contact me and request additional documents. I typically immediately reply ( within 24 hours ) with the requested information. The documents have been numerous and superfluous. This included an initial and then subsequent affidavits with instructions, a lengthy 401k / IRA transfer booklet that I have had to revise twice, instructions and a letter of acceptance from my personal bank ( despite no XXXX XXXX refusing their customers deposits ), and many other documents. In one required revision of a document, they held it up because I provided a US address in New Jersey but did not also check the box next to it that said " US address. '' These are not people operating in good faith. 

One of the 401k transfer documents requests invasive personal information that no other bank has asked for, such as the source of my personal income and wealth. I suspect they improperly use this information for internal sales purposes. 

Merrill 's agent and their estate team are highly unresponsive. Provided agent does not respond to email requests and does not answer her phone. The overall estate team redirects me back to XXXX.
Product: Debt or credit management

I am writing to confirm my participation in the legal action concerning Lexington Law, CreditRepair.com, and their parent companies, as detailed in the Consumer Financial Protection Bureaus ( CFPB ) case. I utilized their credit repair services during the period specified in the lawsuit and wish to ensure my inclusion as a victim in this matter.

During the relevant timeframe, I made payments to Lexington Law and/or CreditRepair.com for their credit repair services. My engagement occurred : Through telemarketing : I purchased credit repair services after being subject to telemarketing regarding their offerings, which falls within the period of XX/XX/XXXX, to XX/XX/XXXX. 
Through live transfers : Alternatively, I was live-transferred to these companies by XXXX of their marketing affiliates, as alleged by the CFPB, and subsequently made payments for services between XX/XX/XXXX, and XX/XX/XXXX. 
I understand that the court has found these companies to have violated the Consumer Financial Protection Act of XXXX and the Telemarketing Sales Rule through illegal upfront charges and deceptive practices. As a customer affected by these unlawful practices, I am providing this notification to assert my inclusion in the settlement or any restitution processes related to the case. 

Please let me know if you require any additional information or documentation to confirm my participation. I look forward to hearing about the next steps and ensuring my rights are appropriately addressed in this matter.
Product: Mortgage

My loan servicing company gave me a payoff ( see attachment XXXX XXXX for XXXX, XXXX, XXXX with the projected payoff date of XX/XX/XXXX in the amount off {$800.00}. This is total amount of interest, {$12.00}, fees of {$720.00} XXXX break-down {$210.00} in XXXX XXXX, {$490.00} in XXXX, {$6.00} XXXX pres ), $ XXXX. and release fee of {$68.00} totaling {$800.00} which I paid please see attachment bank statement showing the withdrawal from my bank on XXXX XXXX in the amount of {$800.00} I have made repeated attempts to pay off my home, after making the above requested payoff I find addition fees with now having a additional payoff amount ( see attachment ) being {$240.00} with the principal balance {$0.00} interest {$0.00} fees {$170.00}, release fee {$68.00} ( the math is wrong ) ( see attached payoff dated XXXX XXXX ) I then call to inquire why, never really getting a satisfying response I paid the {$0.00} for the principal balance with the customer service by XXXX ACH PMT of {$1.00} then was later reversed leaving me with a principal balance off {$0.00}, but I also had my bank pay {$1.00} please see attachment, but I still have a principal balance of {$0.00}. 

These fees are fraudulent, and unsubstantiated after repeated requested to provide proof of fees, I was never provided proof and was told they didn't have too, and XXXX time I was told the fees included a abandoned property fee XXXX, {$250.00} paid to the city of XXXX, after talking to the city and proving that never happen it was then change to winterization fee, also never happen. The XXXX inspection report dated XX/XX/XXXX shows a fee of onl {$18.00} inspection, the inspector states it was only a visual inspection with no walk-thur completed and signs of rehab, I had a house fire XX/XX/XXXX and my Mortgage company took advantage of me then and continue to do so. I paid these fraudulent fees and still after paying new ones come right back.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account is being reported incorrectly on my report. It is through XXXX XXXX XXXX, a Collections Agency, account number XXXX. The collection was originally through a lender called XXXX. The reference number at XXXX XXXX XXXX for this issue is XXXX. This account has been CLOSED with a PAID IN FULL status since XX/XX/2016. However, this information has been incorrectly reported by all three bureaus. XXXX XXXX XXXX  and all three bureaus have been contacted about this issue multiple times, but nobody is any help. I have a correspondence from XXXX XXXX XXXX, verifying that I am correct that the account is in fact Closed and Paid in Full. But it isnt reported that way. TransUnion reports the item as Open and active in collections. XXXX reports the item as a Charge Off, meaning that I still owe money for the account. XXXX still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I am trying to refinance my mortgage and this issue is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point I may have to.
Product: Credit card or prepaid card

I received a notice from my stock trading company stating that I was denied an account due to insufficient funds because I did not have a monthly income to qualify for the account. I looked at the letter and noticed that the had my yearly income incorrect so I called them to correct that issue and when I did a few weeks later I received a credit card from the brokerage that I did not apply for. A week later I realized that the banking institution I use for my day to day transactions which holds my credit card balance was XXXX out??? How did that happen? I did not know where the balance went, who paid the balance or where it was transferred to, XXXX disappeared from my Military Banking institution without my knowledge. A month later I logged into my trading  brokerage app and found the balance was transferred to a credit card I did not apply for and furthermore, I did not AUTHORIZE ANY TRANSFER. They transferred the account balance, charged me a fee for the transfer and raised my APR. I contacted them to ask them who authorized the transfer and the customer service told me that I authorized it but could not prove ( to date ) who authorized a balance transfer. I was then transferred to their fraud department and they did an in-house investigation, a month later I received a letter of denial saying that they did not find any fraud and that I was still responsible for the credit card balance. I spoke with customer service and the fraud department on a three way call as to where the customer service representative said that my complaint resides with the fraud department to which the fraud department said they would send a letter that I would need to have a notary witness the letter upon the return to their department, I also paid for it to be certified upon receipt that they had received the letter within the time frame they put on the letter. Now I keep receiving calls from their customer service saying that my balance is seriously overdue and that the account is about to go into collection. This company has ruined my credit status from XXXX now down to XXXX due to their deceit. They transferred a balance from the my banking institution that I used to transfer money into my trading brokerage. This is not what I applied for nor did I approve to take on a transfer fee and allow them to raise my interest rate, why and who would be stupid enough to accept such a transfer? No one and thats why the illegally did the transfer and now there has been late fees incurred to this fraudulent account in access of {$2500.00} and they hurt my credit score. Please investigate this fraudulent practice of theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report says : XXXX on XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it. 

XXXX/XXXX on XX/XX/XXXX said they would soft inquiry and check if i was approved. and now it is a hard inquiry and i never even got a credit card from them.

XXXX  report says : Discover bank XX/XX/XXXX  gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$300.00} so they could give me a credit card worth {$300.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX  XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$200.00} so they could give me a credit card worth {$200.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX XX/XX/XXXXXX/XX/XXXXthey gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it.
Product: Mortgage

Our deed and mortgage was recently sold by XXXX XXXX to XXXX XXXX XXXX XXXX and is being managed by Selene Finance. Selene Finance conducted an assessment of our property and determined a Broker Pricing Opinion ( BPO ) of $ XXXX in mid-XXXX. A contract was submitted for XXXX based on the BPO and XXXX XXXX/Selene countered the contract for $ XXXX. Due to this unfair and unreasonable counter, the buyer cancelled the contract. We have been through the ringer for the past several months trying to work with XXXX XXXX/Selene on a short-sale to establish a " dignified exit '' and avoid foreclosure. They have created unfair and unreasonable roadblocks every step of the way to discourage buyers to back out. It can be perceived that these acts are being done intentionally with the goal of foreclosure. We currently have another ratified contract that has been submitted to XXXX XXXX/Selene for consideration in the amount of $ XXXX which is well within the BPO that they came up with. I am asking for your help to please investigate these unfair business practices and support the negotiation of a fair and just short-sale sale agreement. Please advise if you require any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have unverified accounts that are posted to my Experian credit file that have been disputed on four separate occasions ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) without any verification documentation sent back to me from this company showing me how they have been verified or who they verified these accounts with and the contact information of those companies/persons. I sent four separate dispute letters to Experian requesting that they provide applications signed by me for these accounts to show proof of verification, however, none have been sent. I have also requested that they remove any and all accounts that they can not adequately verify with a signed application for credit with these accounts. I have suffered damages as a result of these unverified accounts remaining on my credit file and will be litigious pending the immediate removal of these erroneous accounts.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I would like to start off by saying I am a victim of identity and I have been since XXXX. I have had fraud prevention alerts on my credit that I have since removed but I try to monitor my credit as much as possible. On XX/XX/XXXX| noticed I had an account reporting on my credit that was not made by me or authorized by me. Once I noticed this fraudulent account on my credit profile. I disputed directly with the credit bureau Experian and they continuously report this fraudulent account to my credit report. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Due to these fraudulent accounts reporting on my credit report, it has caused a great deal of stress and financial hardship and has hindered me from moving forward with my personal business and livelihood.
Product: Mortgage

I applied for a Home Equity Loan through Discover Home Loans and was denied due to the fact their appraisal found my home to be vacant. My home is occupied and can be easily proven. They did not allow to be to dispute this or ever send me a copy of the appraisal until after they had closed my loan. They have also disregarded all my documentation showing my residency and have not provided any information on why my house was labeled vacant.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a discover account on my Equifax report that was opened fraudulently. XXXX and XXXX have already blocked this account but Equifax has not done so.