23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was contacted by 5/3 bank as the President of our HOA demanding that we provide the bank with all applicable insurance information and also requiring for us to disclose PII of the officers of the HOA. The HOA was involved as part of a refinance obligation of a resident. After we had declined the bank told us it was against Federal Law to block this. As a private entity, we are being harassed by the bank and also they are stepping out of line in regards to demanding information and PII of officers in regards to third-party transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In this complaint there are accounts listed on my credit file that are NOT mine. Those that are mine have late payments and not once have they been late. Unauthorized hard inquiries I did not sign or give permission to pull my credit. All I require to be removed. No one including the credit reporting agencies were giving my permission or signed consent to list any of it on my credit. 

Permanently remove : 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 Take off late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries to remove 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: Debt collection

Due to being a victim of identity theft resulted with a collection account with my credit report.
Product: Mortgage

I was in a COVID deferment and spoke to someone in XXXX XXXX and indicated the hardship was over and that I would like the loan reinstated. I was instructed to start making my regular monthly payment in XX/XX/XXXX. I made that payment and a payment in XXXX, XXXX and XX/XX/XXXX. None of those payments have been applied to my account and there is no record of where those payments have gone. My account is still showing as past due. I have inquired several times why this was and was told the loan was waiting approval for loss mitigation. Each month I call and I get the same answer. I am not sure why or how it could take four plus months to work through the loss mitigation process and reinstate the loan but it is excessive and no one can tell me when it will actually be completed. There are also escrow concerns as the escrow amount being computed was incorrect as it was set at a higher rate based on the property being a secondary home rather than a primary. Because of this the escrow balance was positive for almost the entire hardship period so whatever lump sum payment ends up being deferred needs to account for the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've asked XXXX to ensure the information on my report to verified, accurate or otherwise removed from my report under the Fair Credit Reporting Act. 1st attempt was via email in which no removal was made only " Updated '', confirming there information was indeed incorrect. Next letters was sent through register mail, which a result of " Verified '' to account which they updated in previous dispute. I has asked for original copy contracts which XXXX must have on file and received nothing to day. Last correspondence stated XXXX will no longer investigate any further on the specific accounts I have already disputed. These oversights have cost me to be decline for credit. I have also at XXXX request reached out to Debtor citing " Debt Collection Practice Act '', Section XXXX, and as of today never received a response. Which bring to question XXXX XXXX verification process. Information has been duplicated with same account number with different variations of Debtor company name.
Product: Debt collection

Hello, I made several attempts to request a debt validation letter and supporting signed documentation via the midlandmanagement.com website and when I called to request a debt validation letter and supporting signed documentation I was refused. The company is refusing to provide me with a debt validation letter. They are instead forcing me to tell them that I will not get an attorney involved in order for them to do so. This is fraud as they can not prove the debt. 

They won't allow you to do anything to understand if the debt is valid and they ask you for a lot of identifying information up front including a social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called to move my payment out because with COVID, I knew I was going to be late because unemployment hadn't kicked in yet and I was laid off due to the Pandemic. 
I have since made my payments and everything is now current but I had explained this to XXXX and there should have been an agreement and leniency due to what is going on in the world. 
I do not feel that this should have hit my credit this way as I explained and tried to make arrangements.
Product: Checking or savings account

On XX/XX/XXXX Citibank closed my account for unknown reasons. 
They were supposed to disburse all the money in my account to to me by check. 
When I got my check the amount of {$2500.00} & {$1400.00} that were deposited into my account by XXXX were missing from the check. 
I have called Citibank & went to Citibank branches over the course of 8 months to get ahold of this money. They have told me numerous times that they would send it to me or send it back to XXXX & they have never done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contrary to Nationstar/Mr Cooper bank response IN CFPB XXXX regarding XXXX XXXX  and the transferring of Nationstar acct.XXXXxxx it appears according to CFPB bank examiner documents that are attached : NATIONSTAR IS REQUIRED TO REMEDY FOR THE FRAUD OF XXXX XXXX  and furthermore was required to receive substantive elements of the conversations between XXXX XXXX AND XXXX, AURORAS REP at the time of transfer to NATIONWIDE. 

SEE ATTACHMENTS PG4 AND 5 OF CFPB DOCUMENT
Product: Credit reporting or other personal consumer reports

I have 2 inquires from XXXX  XXXX XXXX and XXXX XXXX which I never authorized
Product: Checking or savings account

I have a checking account and on XX/XX/XXXX I had bal of {$760.00} with transactions pending of {$230.00} and $ XXXXbut were already subtracted leaving the bal at {$760.00}. I cashed out my XXXX earnings at midnight on XX/XX/XXXX of {$220.00} and it gave me a balance of {$980.00}. At XXXX checked my bal and showed same status I mentioned above. At XXXX I checked bal and it showed chk for {$1200.00} being paid, but the put check through over pending transaction in order to charge me two additional overdraft fees at {$34.00} apiece when I should only had been charged for overdraft on check only.
Product: Checking or savings account

I have a fraud alert on my account all my information was stolen
Product: Credit card

Issues with payments and have been reported unfairly on my credit report. With previous issues of bill payments I started to use there system to make payments. It takes days to come out and other things comes out so they blocked me from using payment system without giving me notification that I couldn't use it anymore. Bill pay takes over a week to be received and that was beyond my control. If I knew I couldn't use system I would have processed it sooner. This was an unfair practice and should be avoided not being allowed to use a system should be given a notice
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX disputed XXXX accounts with Experian a consumer reporting agency and have requested pursuant to 15 U.S.C 1681i paragraph ( 6 ) ( B ) ( iii ) all documentation obtained through reinvestigation attempting to verify the information. I have included a copy of the dispute and request below
Product: Checking or savings account

Wont give me access to attach my account to XXXX, to help me with finances this week
Product: Credit reporting, credit repair services, 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. 
Account Name XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name XXXXXXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXXXXXX XXXX Account Number 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven 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: Debt collection

On XX/XX/2023 I contacted Hunter Warfield , Inc. to discuss a settlement option in order to resolve my debt. I was able to come to an agreement with the agency and which point I was told that no such proof of the agreed upon settlement offer could be provided nor would any receipts of payments made toward their agency be provided. To my knowledge, this a direct violation of XXXX. Additionally, during a follow up conversation with collector, XXXX, did not read the mini XXXX disclosure. To my knowledge, this a direct violation of FDCPA. I would like to resolve my debt with the creditor via Hunter Warfield, but their communication tactics have been unhelpful, unprofessional, and seemingly deceitful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Checking or savings account

I deposited a check with my friends name and it was bounced, my account was closed, then I came to branch they told me they need signatures of my friends to be able to legally deposit. Then I let them signed it, went to branch located at below address. 
XXXX XXXX XXXX XXXX, MA XXXX United States The lady who works there doesnt know that a check cant be deposited twice even if its legal but she still deposited it and told me it was fine. After 2 weeks I was told the check was bounced and I have to get a new check or they need both of my friends came to branch in person, however, they have left the country for a while and wont be back for years. 

They knew it cant be deposited twice and now my fund is still at somewhere I dont know and nobody is being responsible for this. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that my information was hacked after reading about it in the XXXX XXXX XXXX. Equifax made no effort to notify me and I still have n't been contacted directly. I 've tried to find out via Equifax 's website the extent of the hack, but could not find out any useful information. 

I 've put fraud alerts on my credit with each agency, and will continue to renew.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request assistance with obtaining my credit report and credit score. Despite my efforts to access this information through the usual channels, I have been unable to do so. As a consumer entitled to view my credit information, I kindly ask that you investigate this issue and provide the necessary assistance to resolve it. 

Please advise me on any further steps I may need to take to obtain my credit report or if there are any specific issues that may be preventing access.

I look forward to your prompt response in resolving this matter.

Thank you for your attention to this issue.

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with chase. It was an amazon card. For whatever reason Chase decided to close this account. The account had a {$170.00} balance. Chase took me out of their system. I was unable to sign in online to pay. They sent me a notice so I called their phone #. The system would not let me talk to a person unless I had my account number. I did not have it. ( this was an amazon card that is all I used it for ) So after they sent me another notice, I went to a local branch. I explained my problem, and they gave me the right number to call as well as my account number which I did not have. I called it, and paid the balance in full. Now they are reporting me for a late payment on my credit that I have been working very hard on to get great. Not fair. They removed me from their system and left me no way to pay. I took the initiative to find a way to reach them and paid in full. They then waited XXXX weeks and are reporting me late now. I called them to dispute this. Twice. They said that there is nothing they can do to change it. I disputed with XXXX, XXXX, and XXXX and they all just put a little note stating that the customer disputes. Again- not fair. Doesnt help the impact on my score which is down like XXXX points for this one ding. Also, Chase has refunded me the entire late fee. I think that fact by itself is enough to prove that Chase recognizes that the late payment was their fault and not mine. PLEASE help!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am writing you as well as sending mail for the violations you are committing from my personal research. 

Account : XXXX To whom it may concern, I am writing to you again concerning account XXXX. Under the FCRA that you say you abide by here are some violations, you have committed after I have already informed you about them and you choose to ignore the LAWS I had provided so I will repeat them.

Pursuant to 15 U.S.C 1681 ( a ) ( 4 ), You are to respect my right to privacy as a consumer, which you have not because you are furnishing my personal information without my direct consent. You are infringing on my privacy.

Pursuant to 15 U.S.C 1681 ( a ) ( 1 ), You are reporting inaccurate information after I have provided you the inaccuracy in the name in the alleged debt which is an unfair credit reporting method.

Pursuant to 15 U.S.C 1681 ( b ) You are in violation with regard to confidentiality and accuracy since the name is an incorrect name which I have provided proof and made you aware and you choose to ignore this violation.

Pursuant to 15 U.S.C 1681 ( a ) ( 2 ) ( B ) Any approval of a specific extension of credit directly or indirectly is to be excluded from a consumer report, this alleged debt would not have been made if it wasnt due to an extension of the consumers credit.

Pursuant to 15 U.S.C 1681 ( a ) ( 2 ) ( A ) ( i ) any report containing transaction or experiences is to be EXCLUDED from the consumer report, and this alleged debt was a transaction and experience.

These are a few of the violations amongst many you have/are committing I have researched. Ignoring these will result in actual damages from willful violations and negligence.

Please address ALL violations in a 30-day period and failure to do so will be considered discharged and will need to be discharged in full and removed from all consumer credit reporting agencies. Not limited to XXXX, XXXX, and XXXX. 


XXXX XXXX Account : XXXX Thanks for your cooperation, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} Account Name : XXXX Account : XXXX PAST DUE BALANCE : {$1100.00} This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Product: Debt collection

Today : XX/XX/18 I tried to call and resolve my debt and the debt collector was rude, antagonized, and belittled me, and when I said I would review my finances and call back in a couple of days he told me they would mark the account as a refusal to pay and hung up on me. I proceeded to call back and insist that I did NOT want a cease and desist placed on my account, that I wanted to pay it, but needed a couple of days to review my finances to which he responded reviewing finances does not take a few days, the debt is delinquent, and if I was serious about paying it I would pay it now, he then proceeded to tell me not to call back, and hung up on me a second time. I reached out in good faith to resolve this, and was insulted, belittled, and told that I would not be able to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

X/XX/2017 X/XX/2017 I 've contacted all 3 credit agencies in regards to validating the U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Court mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, Equifax and XXXX Credit Bureaus has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Product: Debt collection

To whom it may concern : I original applied for a Bank of America XXXX University card sometime around 2012. I had this credit card in great standing and as time went by kept my account always up to date paying more than the required payment due and in advance. Upon having other personal credit cards when I would call in they would always ask would you like to consolidate we are running a promotion to which I always said no. Then one day thy started saying well we see here where you owe XXXX XXXX $ yada yada, and you owe this card and that card and would read off my credit card names without me telling them and apparently even had the account numbers so they could send the payments direct. Troubled by this I would say no I would think about it. This happened quite often almost on a monthly basis until one time I bit. After which although I had kept ALL my accounts in order and paid they CANCELLED every card with NO warning!! I wrote to them and received no reply so I immediately called and they said you have too many cards and debt and cut me off. But all my debts were paid on time! Credit Rating was 730-740! Now after all this time I am struggling to pay them. I have repeatedly called to request help with paying it off and they would not help. I have still contacted to make payments and make payments but {$500.00} is the payment and {$490.00} goes to the interest!!! Please help I know I am NOT the only one who was duped by this consolidation trap!!
Product: Checking or savings account

I am a XXXX XXXX  client of JP Morgan Chase. However, I am blocked from withdrawing my funds for no reason. According to XXXX, they blocked me from linking my Chase checking account with XXXX so I can not transfer my fund to XXXX. They also blocked me from getting a cashier 's check that is less than 1 % of my savings. Their machines XXXX XXXX show an F alert that can not be overwritten even by their manager so they could not issue the check to me. I was there for over 3 hours and their manager called Chase for me but none of them knew how to resolve it. Please let me get my cashier 's check immediately. This is against the law. Otherwise, I will have to withdraw all of my funds out of JP Morgan. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I notified Experian before I XXXX XXXX am a victim of identity theft and i did go on my computer to send this dispute myself