23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

While making a large payment of {$4100.00} to bring my mortgage loan current and paying my XXXX payment, I looked to verify that this payment was received by Huntington Bank through their app where payments can be made. While doing so, I had seen that they indeed has received the payment as requested by a letter that I received from them to cure my default and stop foreclosure proceedings, I noticed a notification in the app that my loan was going to be going up {$270.00} extra a month. I couldn't understand why and had then contacted Huntington Bank directly to see first why my {$4100.00} payment had been received but was placed in a suspense account and not proceeded to show my mortgage payments were current and actually paid in advance now, and then why my monthly payment was going to be going up. The gentleman that I spoke too said that he really didn't know why, but usually it is because the escrow balance was too low. He gave me a number to call on Monday since that dept was closed over the weekend. So I in fact did call that number, XXXX which was the insurance dept from what they informed me, then they tried to forward me to the escrow dept, to which I then go disconnected and sent back to the main menu to inquire about making payments. I had gotten a letter in the mail from them about 30 mins after this call that then explained why my mortgage payment would be going up and it explained that my escrow payment was in the negative of {$3200.00} and that this amount would be spread out over 12 months and increase my payment the {$270.00}. I am upset that I had completed a loan modification back in XXXX 2021 that I was told that my escrow difference was going to be built back into the loan to bring my balance to where is should be so that I could afford my payment which is now {$940.00}. They now want to raise my payment to {$1200.00}, I can NOT afford this especially since I did the loan modification in the first place to lower my rate, terms, any payment to be able to stay in my home for at least the next year. When I was in the loan modification terms of three months, I was charged late fees, inspection fees, and my credit report with them showed my payments were missed and late for over 7 months which greatly lowered my scores. None of their figures match on statements, app, or phone calls and I really feel that I am completely being taken advantage of and that HUD violations are being done. I plan to sell my home in a year, but I can not afford this increase of {$270.00} especially when I was told that this was all in my previous loan modification. I really feel they truly are crooked and if they want {$1200.00} for my house payment they might was well have the house then because I can not afford that. I am barely able to make the {$940.00} now. Please take a moment and see if any violations or concerns are being done or what I can do at this point. I just want people to be held accountable and treated fairly. Thank you so much for your time.
Product: Credit reporting or other personal consumer reports

This company report information that is not true about me and is the cause of why I cant open a new account.
Product: Credit reporting or other personal consumer reports

ACCORDANCE TO TITLE IS USC 1681N. 16811, 1681s. for non-compliance and negligence these accounts, XXXX XXXX XXXX XXXX XXXX have Inaccuracies and have been deleted from EQUIFAX XXXX XXXX THIS IS CLEAR VIOLATION YOUR COMPANY IS HOUSING DELETED INFORMATION THAT HAS BEEN DELETED DELETE THESE ACCOUNTS IMMEDIATELY THIS FRAUD NON-COMPLIANCE & NEGLIGENCE AT ITS FINEST.
Product: Mortgage

Loan Care is collecting {$4400.00} in property taxes from me. My actual property tax bill for 2025 is {$2300.00} which I have uploaded to Loan Cares website and also have attached to a fax sent to the company. My homeowners insurance is {$610.00} a year which was also uploaded and attached. Which ironically was corrected immediately because it was increased. The total between taxes and insurance should be {$240.00} a month. Even with a cushion it shouldnt exceed more than about {$270.00}. They are collecting over {$400.00} between taxes and insurance. I wanted this adjusted to reflect more accurate numbers which will bring my house payment down significantly. I have tried to go through the required channels now for going on four weeks. ( see attached below ). I am a loan officer and have to tell you that I am completely dissatisfied at Loan Cares customer service. 

XX/XX/XXXX called, uploaded information and spoke to agent and was disconnected after being on hold over 15 minutes ( I have snap shots to prove ) called back and it was supposed to be completed by XX/XX/XXXX XX/XX/XXXX called and spoke to customer service agent and they opened up another escrow analysis and it was supposed to be completed by XX/XX/XXXX XX/XX/XXXX called and spoke to another customer service agent and they opened up another escrow analysis and it was supposed to be completed by XX/XX/XXXX. When I asked how do I know that since they have given completion dates prior that werent fulfilled she assured me that they had found the documentation now and it would be completed XX/XX/XXXX called and spoke to another customer service agent and she opened up another escrow anaylsis and said it would be completed by XX/XX/XXXX. She transferred me to escalation, XXXX, where she said they have opened up another analysis because they need more information on homeowners insurance. I also asked for information to file a complaint. Which she left me on hold another 10 minutes to get me that information and then came back and said she would take the information herself and would pass it on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$200.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account please remove it fr my credit
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX CRED # XXXX XXXX U.S.C 1681 section 602 A. XXXX 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 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. 

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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - 1. XXXX / XXXX Account # XXXX 2. XXXX XXXX  Account # XXXX 3.XXXX  XXXX  Account # XXXX 4. XXXX Account # XXXX 5. XXXX XXXX # Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the unauthorized credit inquiries listed below be blocked and deleted from my credit report. My personal information was compromised due to a data breach, and these inquiries were made without my knowledge or consent. 
In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block these unauthorized inquiries from my credit file and remove them entirely. 
Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

I opened a Citi checking account on XX/XX/2023. I chose Citibank because I already had a credit card with them. I deposited {$50000.00} into the CitiBank checking account by transferring funds from my XXXX savings account. I paid off my Citi credit card with my new checking account that day. This left a balance of {$44000.00} left in the Citibank checking account. The next day, I realized I could not access my mobile app. After a lot of time on the phone with Citibank, they finally explained that my checking account had been flagged as fraudulent and closed. The following week I revived a letter dated XX/XX/2023 that said it was closed and that it would take 30-60 days to receive any funds I was entitled to. 

On XX/XX/XXXX I called Citibank using the number on the letter. I was told that since the 60 days had elapsed, I would receive the balance in the form of a check no later than XX/XX/XXXX. 

I did not receive a check. 

On XX/XX/XXXX I called Citibank and was told I was not entitled to any funds. After a lot of back and forth with CitiBank and XXXX ( a branch under XXXX based in California ), CitiBank said XXXX would need to file a hold harmless claim since apparently when the ACH was sent, my name wasnt on the transaction. Plus it looked fraudulent since I live in Idaho. 

Through a lot of back and forth and at least four hours on the phone, I learned there was a force transfer on XX/XX/XXXX between XXXX and Citibank. Ive attached a screenshot. 

At this point, all I have is a message from XXXX bank that a claim was started, but I havent seen the claim itself. Citibank told me it would be another 30-60 days to process this claim. 

I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ; XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX & XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX-ACCOUNT NUMBER XXXX 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.
Product: Debt collection

Diaz & Associates writes in a letter that I have a debt of {$7400.00} from " XXXX XXXX XXXX XXXX  ( ) '' and they're offering me " an opportunity to resolve this account in full for the balance of {$2600.00}. '' I checked my credit report, and no such bank name appears on my credit report. I looked up the bank to see if it was legit, and XXXX XXXX was acquired by XXXX  XXXX XXXX in XXXX and renamed the next year. It's late XXXX, so that means XXXX stopped issuing credit cards over 15 years ago. In the whole ten years of my credit history, this credit card didn't even exist. In California, a debt collector has to inform a consumer if a debt is time-barred. The collector must include the notice in the first written communication sent to the consumer after the statute of limitations passes. Clearly, if it's not even in my credit report, it's been way over the 4-year statute of limitations for written contracts in California. It's all very fishy, like they've purposely picked a bank that doesn't exist so the consumer can't call in and ask questions to verify the alleged debt.

I think this company is trying to extort money out of me. Is Diaz & Associates a scam?

According to the XXXX XXXX XXXX  website, Diaz & Associates has had 63 complaints closed in last 3 years. The many many other claims appear to still be open. One guy who got the same letter as me wrote that " my credit report clearly shows I have never had any business with any firm by that name or in any similar amount. This " attempt to collect a debt '' is CLEARLY a phishing scam, CLEARLY illegal and I want them to cease immediately, release me from all claims and liabilities pertaining to this unsubstantiated debt collection account, and to send notice to any credit agency affected that this account ( File # ****** ) is fraudulent and without support documentation. There are many other websites that tell horror stories about this company I can not believe they are still in business. 

But they are, and Im guessing their tactics work to scare the vulnerable into falling for their scam, and that they're making tons of money by targeting seniors like me! 

Please investigate and try to stop them from this scam! 

XXXX XXXX, Legal Administrator Diaz & Associates XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

THEY CONTINUING TO KEEP THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED BY THE FTC THAT THEY FRAUDULENT ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I sent a debt validation letter certified to enhanced recovery company. They sent me a regular bill for {$100.00} which is not proof of validation. The bill also had an address I never lived at, heard of, seen before or been linked up to.
Product: Student loan

In XXXX, I signed up for Auto Pay with EdFinancial, my XXXX loan servicer. They advertised the auto pay option as a way to get a 0.25 % interest rate reduction. I enrolled and received a confirmation email that the auto pay would start on XX/XX/XXXX. However, not only did I not get an interest rate reduction, no payment was made on XX/XX/XXXX, leading my loan to become past due. I just paid it off, but am unsure if I have been charged any late fees, despite the fact that it was my loan servicer 's technical error that caused the issue. I have set up a new auto pay for XX/XX/XXXX, but am unsure if it will work this time. I have contacted them about the issue but due to high call and email volume they have not yet responded.
Product: Debt collection

I am a victim of identity theft. I have requested documentation of how these accounts were opened including my signature and have not gotten a response. I am looking to have this debt removed from my name and press charges against the person whom opened the accounts. I have filed a police report and also reported on XXXX. A fraud affidavit was also sent.
Product: Student loan

UAS connect loan service took a payment out of my account on XX/XX/XXXX in the amount of {$1100.00}. As soon as I realized, I called them on XX/XX/XXXX to see what was going on. They wouldnt immediately tell me over the phone why they took that amount from my account, and they kept telling me that they would send me an email in a few days explaining what happened. I had to get seriously upset for them to look into the issue and tell me what was going on with my account. I also got notice long ago that this loan was going to be transferred and included with my other student loans with the Department of Education, and I did notice an increase to my balance with the Department of Education, which is one of the reasons why I was so confused. 

The phone resulted in the man telling me that UAS took one of their last automatic payments of $ XXXX in XXXX. Then for no known reason the payments stopped. And I thought it was because the loan transferred over to be combined with the department of education. The next payment they took out was {$40.00} in XXXX of XXXX. Finally in XXXX they took out {$1100.00}. I was told that the {$1100.00} was taken out because it was the amount due on the account which is what the automatic payments are set up to do. I was also told that my XXXX loan with XXXX is a private loan and that they werent under the same federal rules of loans being paused because of the corona virus. I was also told that yes, this loan is supposed to be transferred over with my Department of Education Loans, but the transfer is still pending. My question is, if that is the case, why did they stop taking the automatic payments out in the first place? 

I never received a single email or notice that I had anything past due on this account. I also never received notice that they would be taking that much money out of my account at once. I have filed for reimbursement over the phone with them but havent received promise that they will pay me my money back. I also called my bank and asked them to stop the payment on the account. I imagine if this happened to me that it is happening to other people, and it is extremely unfair. I dont know how I am going to pay my rent if I dont get that money back. Its also almost XXXX, and now how am I going to afford gifts for my family? I would really appreciate any help I can get with dealing with such unfair treatment. It truly feels like they robbed me.
Product: Student loan

I called Navient on XX/XX/XXXX at XXXX ext. XXXX to request a XXXX  misconduct discharge application. I found out about this application on a social media site. Navient had not notified me that my account was eligible for this program. The representative I spoke with said my account was eligible for review and it would take 30 days to complete. Once approved, I would receive an application. 

I called again on XX/XX/XXXX to follow up on the status. The representative informed me that I needed to fill out an application in order to apply for the discharge. I explained that was I told my account needed to be reviewed first. She said that was incorrect and sent me an application via my Navient inbox. The previous misinformation prolonged my application process unnecessarily. 

I received the application on XX/XX/XXXX, and submitted it on XX/XX/XXXX. Navient confirmed it was received on XX/XX/XXXX. 

I received a letter via the Navient inbox on XX/XX/XXXX stating my application was denied for the following reason : " Navient carefully considers a variety of factors in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I called Navient and asked the representative for a more detailed explanation of my denial and asked what specific requirements did I not meet, since it was already predetermined that I was eligible for this program. She stated she doesn't know the specific reason, and they have a lot of factors they consider. She could not provide what those factors are. I was told I could appeal the decision, but without specific reasons for my denial, I would risk being denied again for the same unidentified reason. 

I provided supporting documentation that shows my federal student loans are currently a part of a XXXX XXXX case and my application is still pending. I also provided a court case from XXXX that shows the XXXX XXXX XXXX  was a participating in fraudulent and misleading practices.
Product: Credit reporting or other personal consumer reports

I was literally hung up on because it was XXXX oclock and they close at XXXX. Experian is a pain in the XXXX. And im reading all types of news about how they are unethical. 

1. **Failure to Conduct Proper Investigations : ** Under **FCRA 611 [ 15 U.S.C. 1681i ] **, Experian is required to conduct a thorough and independent investigation of disputed items. However, I have reason to believe that Experian is improperly relying solely on furnishers ' responses without validating the accuracy or obtaining supporting documentation. 

2. **Distortion and Mischaracterization of Disputes : ** As highlighted by the Consumer Financial Protection Bureau ( CFPB ), Experian has been accused of distorting, truncating, and mischaracterizing consumer disputes when forwarding them to furnishers. I suspect this may have occurred in my case as well. 

3. **Failure to Ensure Accuracy : ** Under **FCRA 607 [ 15 U.S.C. 1681e ( b ) ] **, Experian must ensure maximum possible accuracy in reporting. Despite my disputes, inaccurate and unverifiable items remain on my credit report, including : - [ List account names and details ]. 

4. **Improper Handling of Reinserted Items : ** Under **FCRA 611 ( a ) ( 5 ) ( B ) **, if a previously removed item is reinserted into a credit report, the consumer must be notified within five business days. I have not received such a notice for [ specific item ( s ) ], yet they reappeared on my report.
Product: Checking or savings account

They wont allow me access to my account but still wont close the account for no reason at all. I will never deal with thwm