23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit limit on my XXXX credit card is showing {$600.00}. The credit limit is {$6000.00} and has never been {$600.00}. XXXX  shows the limit as {$6000.00} so there is an error showing on my credit report of {$600.00} which has made it appear as a decrease in credit of {$5400.00}.
Product: Mortgage

Deutsche Bank holds a XXXX XXXX line of credit on my house at XXXX XXXX XXXX XXXX, XXXX, PA. The loan number is XXXX. They claim that between XX/XX/XXXX and XX/XX/XXXX, I did not have insurance on my property. While I did, that is NOT the purpose of this complaint. The purpose of this complaint is that during the time that Deutsche Bank claims I did not have insurance, they took out an insurance policy on my house for {$40000.00} per year. The actual insurance policy on my house costs {$6100.00}, as evidenced by the enclosed statement from XXXX 's XXXX. XXXX goes on to say that when a lender provides insurance ( " forced insurance '' ), the price can range up to 2-3 times the typical commercial cost for insurance that a homeowner would pay. Here, Deutsche Bank procured insurance of {$40000.00}, which is n XXXX times the cost of my insurance. This higher insurance rate is excessive. Absent documentation that this is a bona fide insurance company, it is also fraud by Deutsche Bank. Assuming 2-3 times the rate I would pay, the Deutsche Bank insurance should have cost {$12000.00} to {$18000.00} on an annualized basis, not {$40000.00}. As such, the pro-rated premium for the month and a half that Deutsche said I lacked insurance should have been {$1500.00} to {$2300.00}, not the {$4700.00} that Deutsche Bank charged me. Therefore, Deutsche owes me {$2400.00} to {$3100.00} for insurance premium overcharges. In the case where Deutsche would have matched the XXXX rate ( a policy that Deutsche has accepted ), then Deutsche would actually owe me {$4700.00} minus the pro-prorated {$6100.00} for six weeks ( {$760.00} ), or {$3900.00}. Please see attachments : Deutsche 's letter to the last complaint I filed about overcharged insurance, and the note from XXXX XXXX about what a reasonable insurance premium would have been.
Product: Credit card

On XX/XX/year> I called in to Chase Disputes and Spoke with XXXX. XXXX said to me that the reason that the dispute was closed was because there wasnt a description of the services, which is false, its right at the beginning. XXXX also provided me other erroenous infromation as to why my dispute was declined.
Product: Debt collection

I was sued by Hunt and Henriques Attorney firm and they got a judgement to levy my bank accounts. I have never received anything from this company before. The original creditor is XXXX  XXXX/XXXX   credit card. Then XXXX XXXX bought the debt and hired Hunt and Henriques to collect the debt. I received the judgement in the mail on XX/XX/XXXX. It states it was mailed on XX/XX/XXXX. The amount of the debt is {$2000.00}. The Statute of Limitations applies to this case. This account is Time Barred. The account was opened in XX/XX/XXXX. The last payment was received by the company on XX/XX/XXXX.
Product: Credit card or prepaid card

My reliacard was frozen 3 weeks ago because of a fraud check. I called the company and was told to verify my information on their website which I did. They never made my card active. I called back and they told me to fax a copy of my license over and resend my license picture through the website which I did. I keep calling to find out why my card remains inactive and they can't give me an answer. I need to pay my rent or else I'm getting evicted. They said it should take 7 business days but it has been 3 weeks.
Product: Credit card or prepaid card

Purchase securespend prepaid card for {$500.00} on XX/XX/XXXX, went to check the balance of the card and received an error. Called the phone number on the card and was told that card was marked for fraud as a transaction for {$500.00} had been made. Transaction was not me clearly. Expect a refund, or new card with same amount. Filed a dispute case with agent over the phone, and signed it online. 
Has been over 30 days that I have not received my money back or a new card .... ridiculous to wait this long for my {$500.00} which was stolen. 
XXXX
Product: Debt collection

In XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. I contacted the company XXXX XXXX XXXX XXXX and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. 

In response I received the statement attached from XXXX XXXX along with details of the sale of this account to XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX, I re addressed a copy of my letter sent to XXXX XXXX  and mailed it delivery certification ( see attached ) on XXXX XX/XX/2018. 

I have not received a reply. It is over the 30 days time frame and out of compliance. Under advise, I wish to informed XXXX XXXX XXXX that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and deleted on my credit file. 
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: Mortgage

Truhome Solutions has my mortgage, they offered me a forbearance during covid. They told me that for however many months that I take the forbearance that's how many months at the end that I will extend my loan. Now they're telling me that at the end I will have a balloon payment. That is not what they told me in that is not what I agreed on! They can't change the rules after the fact.
Product: Credit reporting or other personal consumer reports

I have sent certified dispute to XXXX, which came back as refusing to pick up. I know its the address I sent it to because this is the sixth dispute that I have submitted now theyre refusing to pick up my certified letter.
Product: Credit reporting or other personal consumer reports

On my credit report, there is a late payment from XXXX XXXX. This late payment should be deleted due to the following violation : Additionally, my rights have been violated under 15 U.S. Code 1666b, which mandates that creditors must provide a billing statement at least 21 days before the payment due date. This law explicitly states : " A creditor may not treat a payment as late for any purpose unless the creditor has transmitted a statement to the consumer at least 21 days before the payment due date. '' I never received such a notification from XXXX XXXX, and as a result, the late payment reported on my account is inaccurate and must be deleted immediately. Since I did not receive the proper notice, any negative reporting based on this late payment is unlawful and should be rectified without delay. 
Failure to comply with this request will leave me with no choice but to pursue legal action against your company for violating federal consumer protection laws. Under the law, noncompliance can result in substantial penalties, and I am prepared to enforce my rights through all available legal avenues if necessary. If XXXX claims that they provided me with such a statement, then they have to provide viable proof of this, such as a tracking number. A failure to provide this information that they complied with the law before reporting this alledged late payment is crucial. Since they didnt comply with this law, then this late payment must be updated to pay as agreed. The law clearly states that this statement must be physically delivered to me.
Product: Mortgage

We have several issues with our purchase several relating to the bank we were originally working with and several, including what appears to be fraud by the builder on behalf of the bank. 

Bank Fifth Third home mortgage : We were directed, steered, towards this lender as the " preferred lender for this housing development '' in XX/XX/2023. We reached out and were contacted by a loan XXXX about our potential loan, he indicated we would receive a 12 month rate lock and within 60 days of our closing the closing we would proceed with any needed documentation. We began the application process sending in requested documents and received no further response, no request for more information no NOI letter, no email requesting any additional items. We believed the application process was completed. As we progressed into the fall we still had no words and reached out to the loan XXXX on multiple occasions and received no response. We finally received correspondence from the loan XXXX in mid XX/XX/2023 and were given a loan estimate that reflected significantly higher rates then we had been told we were lock in at for 12 months. When we questioned this we were given the response that we failed to complete the application and then that our XXXX XXXX had changed, of course as soon as the hard pull hit our credit our scores dropped nearly XXXX points and we were never advised we failed to complete the application, a direct Reg B violation. So we moved onto another lender to complete the purchase. 

XXXX XXXX XXXX : As we reach the conclusion of the building process, less than XXXX hours prior to our close our lender received notification we were being required to escrow {$3500.00} for sod and grading of our property due to the fact sod could not be laid until XXXX or XXXX, even though in the purchase agreement it states a graded fully sodded home is a standard option in the price of the home. We were advised that because we failed to use their " preferred lender '' we would be required to escrow and pay for our sod and grading of the property we purchased with our home. This has all appearances of a bait and switch, a penalty for not using the lender they intentionally steered us to, and outright fraud. The XXXX XXXX of sales indicated it had been a policy for several years meaning they have likely defrauded many people with this over that time.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX- {$1200.00} This account was created unauthorized and fraudulently 15-1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

After freezing my credit report through my online Equifax account, my account was deactivated without explanation and I kept getting a message to contact customer service when I logged in. I contacted Equifax on XX/XX/XXXX and was informed the only way to activate my account was to fax my ID to them and they would resolve the issue. I immediately faxed my ID and kept checking whether the account was activated. Several months later there was no resolution. I called back on XX/XX/XXXX and was informed they did not have any recored of my fax ( even though I had a fax transaction confirmation ). They told me to fax it again and it would be resolved in 5-7 days. I immediately faxed the information and called them back on XX/XX/XXXX. I was again informed they did not have a record of the fax and there was nothing they could do. 

I have been denied my right to lift the freeze on my credit report and apply for credit. I am currently applying for mortgages as I have an upcoming closing date on a previously booked condo. Failure to unfreeze my report can result in hundreds of thousands of dollars in damages as my down payment may be at risk. I also believe there should be punitive damages assessed against Equifax for denying me the right to unfreeze my credit report.
Product: Consumer Loan

My complaint is against Wells Fargo Bank. In a letter ( see enclosed ) that I submitted to the Office of the Comptroller, the response from Wells Fargo was that they had difficulty with 3 payments in the course of two years. It states that XX/XX/2015 the monthly payment of {$210.00} was returned due to the wrong routing number provided. All three payments have been made, however, Wells continues to " pyramid late fee payments. '' Each payment is {$39.00}. They are now stating that I owe {$600.00} in late fees because they keep adding as they go along. I only owe XXXX late fees, totaling {$110.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent four certified letters to Equifax - Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX One for every 30 days since XXXX. I have asked to verify all XXXX Accounts with names and update all accounts with corrected dates. I have yet to be successful. All they responded with is the same thing that is being reported. All these accounts are outdated and showing incorrect dates of last payment and its restarting the statue of limitations of 7 years. They are not giving me absolutely no updates and 4 of these 7 accounts of XXXX have been deleted from my spouse 's account that have the same account numbers and balances since I was joint on her account. Amounts that have been deleted on my spouse account are {$6300.00}, {$4700.00}, {$4700.00} & {$6200.00} on XXXX. I have called numerous of times XXXX  starts a dispute and I wait the time limit and they give me no updates on any of my accounts. I feel this is all an injustice on my reputation of an old account that I am being held accountable and XXXX is not reporting my account correctly. All seven accounts should have been deleted years ago. It's showing a last payment in XXXX and XXXX so it resets it's time and that is inaccurate. On one report it showed a payment of {$1.00} and that is not accurate. Re-setting the time on all these XXXX Accounts is such an injustice. I have sent them proof of deletion from other credit bureaus ( Certified Tracking # XXXX )
Product: Credit reporting or other personal consumer reports

I opened this account in XXXX, XXXX. The first payment was due in XXXX & paid as agreed. There is no congruency between Equifax, XXXX XXXX XXXX. Per 15 USC 1681 ( FCRA ) states there must be pure accuracy in what is being reported. In my case, there is not. It is causing inaccuracies across all XXXX of my report scores. I contacted XXXX XXXX  at the same time via mail on XX/XX/XXXX but have not received any correspondence to date.
Product: Checking or savings account

I wrote check XXXX. XXXX on XX/XX/XXXX, in XXXX, on my American Bank Account with Peoples United Bank -- Now M & T Bank -- in the amount of US {$2500.00} to the order of the XXXX for XXXX XXXX XXXX. Finally, after not seeing this amount taken from my account, I called the XXXX, who had still not received the donation. I gave them the equilvalent in XXXX, as their XXXX Bank was desperately in need of funding. Months went by and they still did not have the money from the check in their account. Sometime last year, I think in XXXX of XXXX, I called the bank to " stop payment ''. The person who assisted me told me that since the check was for a charity, he would not charge me a " stop payment charge ''. The bank has a recording of this call. Then on XX/XX/XXXX, the {$2500.00} was taken out of my checking account ( No. XXXX ). When the XXXX was asked, they said they had not received the money. I called M & T Bank and asked them to tell me to whom the money went. They could not tell me! The back of the check has three bank stamps on it ( but it was not indorsed ) -- XXXX XXXX, XXXX XXXX XXXX XXXX, and M & T Bank. I contacted the M & T Branch in XXXX, CT, and spoke to XXXX XXXX ( XXXX  ) at XXXX. I continued to follow up, but they had no information for me, and I was told I had to send them a copy of both sides of the check, which I got from their web site! On XX/XX/XXXX, I sent a copy, plus a photo of my bank statement showing the money was withdrawn. On XX/XX/XXXX XXXX XXXX sent me an email with an attachment of an affidavit that I had to complete, and get notarized, which I did ASAP. After that I was unable to speak to XXXX XXXX who was always " with a customer '', the last call being XX/XX/XXXX, so I asked for a call-back which I did not get. Yesterday ( XX/XX/XXXX ) I called twice. The second time a gentleman gave me a number to call ( XXXX ) at the direction of XXXX XXXX, and they would handle the matter. I called, and it was a number for their " Contact Center '', and I was told by a supervisor, " XXXX '', that they could not help but that I should contact my " branch ''. Yesterday I wrote an email to XXXX XXXX telling her I wanted to hear from her by today or that I would file a complaint with the CFPB. It is my belief that the bank should put the money back into my account, and then try to trace it. Instead, I have been waiting nine months for an answer and refund! Can you please help me to get my money back? Thank you very much, in advance, for your assistance. FYI, my principal residence is in XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX. I maintain a home in XXXX, XXXX, so I can have a place to stay when I visit my XXXX grandson. My XXXX cell number is XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX, but my XXXX phone ( XXXX ) can be answered XXXX XXXX, where I will be returning XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

First National Bank of Omaha, allowed a person to open a secured credit card, with the deposit from another a 3rd persons checking account. Without verifying where the deposit was coming from, never requesting a copy of my DL, SS Card, or banking records. At that time of my life, I didn't even have a Checking Account or Savings Account. I have sent them in a affidavit, police report yet they will not remove if from my records. Yet on XX/XX/XXXX they removed/deleted from my XXXX  FILE and on XX/XX/XXXX removed/deleted from XXXX FILE, yet want to allow XXXX  and XXXX to keep it on file. So it seems like a 50/50 draw. 50 percent there saying its mine, 50 % its not mine.
Product: Mortgage

XXXX  XXXX XXXX ( XXXX XXXX XXXX ) sold my loan to Specialized Loan Servicing ( SLS ) without my knowledge in XX/XX/2019. I was not informed by either company that this had occurred. The only reason I found out it happened was by going to a XXXX  XXXX XXXX branch office. Although XXXX  XXXX XXXX has my current mailing address, both of these companies claim they mailed this notification to the address where the loan was taken out, which I haven't lived at for 13 years. Not only that, SLS filed a complaint against my credit report saying I was delinquent in XXXX when, as I said before, I didn't even know they had my loan so how could I make a payment? They placed an insurance policy on my house without my knowledge. I have informed them that I have insurance ( sent copy and had my insurance company FAX them the policy ( XX/XX/XXXX ) ) and pay my own property taxes and yet they still have an escrow account for me they want me to pay into. I paid them {$1300.00} on XX/XX/XXXX to bring my account current. My payments were {$460.00} per month with XXXX XXXX XXXX ( fixed rate ) and yet my payment for XXXX was {$740.00} on XX/XX/XXXX. A representative of this company informed my payments were to go up to {$810.00} in XXXX. According to a lawyer my payments should remain the same. I have no access to my account online and have been given the run around as to why this is so. They send no paper documentation to show what is happening with my account. I believe Specialized Loan Servicing is run by criminals who use fraud to steal people 's homes.
Product: Credit reporting or other personal consumer reports

My information was exposed during a data breach. The following accounts are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( Experian, XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, ( Experian , XXXX  ) XXXX XXXX  /XXXX Account Number : XXXX, ( XXXX ) XXXX XXXX Account Number : XXXX, ( experian, XXXX, XXXX ) XXXX XXXX  Account Number : XXXX, ( Experian ) XXXX XXXX XXXX Account Number : XXXX, ( XXXX ) XXXX XXXX Account Number:4PUR87XXX
Product: Prepaid card

On XX/XX/XXXX I received two American Express XXXX XXXX, one for {$100.00} and one for {$50.00}. I visited the website on the back of the card ( AmexRewardCard.com ) to verify the balances and see if I had to activate the cards. The website showed the cards as activated and the balances were correct. I read the reward card tips for how to use the cards and went to an online merchant, XXXX, to make a purchase. At checkout I used the {$50.00} card for a {$40.00} order and received the message that the " issuing bank declined the charge ''. I tried to use the {$100.00} card in case the problem was the amount but I received the same message. 
I called the American Express Customer Service number listed on the back of the card and on the website. I explained what happened and the representative said the reason was a " security issue '' and I should order from another merchant. I was annoyed but I waited until I needed to place an order somewhere else to use the card. I tried to place an order on XXXX and was declined again. I called customer service again and they said the same thing as before. I said that wasn't acceptable since there shouldn't be any security issues at XXXX. The representative just kept repeating the same thing with no further information. 
Again I waited and on XX/XX/XXXX I tried to make purchases at XXXX and XXXX and the purchases seemed to go through. I went to the card website and saw that the purchases were " pending transactions '' but then a couple of days later I was informed by the merchants that the card issuer declined the charge. I again called customer service and got the same answer as the other times. I told her that there wasn't any way that the problem was on all the merchants end. I was told she had no other information. I asked for a supervisor and was told there wasn't any. I asked for another phone number and wasn't given one either. I searched online and couldn't find any other numbers to call so I searched for who I could complain to and was directed here. Both of these cards totaling {$150.00} have expiration dates of XX/XX/XXXX and I stand to be gypped out of this money. I have attached copies of the pages from the Amex reward card website showing these transaction on XX/XX/XXXX, XX/XX/XXXX and XXXX. I also have the email from XXXX telling me the card was declined.
Product: Debt collection

I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX For XXXX XXXX from citizens bank n.a. , I returned their form starting this is fraudulent.