23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Client Name : XXXX XXXX XXXX Client A/C Number : XXXX ABA/Routing Number : XXXX A/C Type : Checking Bank : CHARLES SCHWAB BANK I, XXXX XXXX XXXX ; a USA law-abiding citizen maintain a checking account with Charles Schwab Bank as detailed above with a running balance of {$250.00} currently. 

The Bank, so named, has without reason continued to place restrictions on the said account and continue to return unpaid checks validly issued on the account by me. 

Prior to this complaint, I have provided to the bank all requested documents and have via telephone answered all their concerns. 

I have no other option as a minority XXXX man living in a racially decimated XXXX XXXX XXXX than to approach CFPB to resolve this and get Charles Schwab Bank to release my funds immediately.
Product: Credit card

A fraud account was opened in my name without my knowledge from XXXX at XXXX XXXX on XX/XX/year>
Product: Mortgage

I noticed my mortgage payment increased from {$1500.00} to {$1600.00}. This is nearly $ 120/month or $ XXXX/year increase. I called my insurance company and confirmed my insurance premium had not increased by that amount and it had not. I went online to confirm my property taxes had not increased by that amount and noticed that the XX/XX/XXXX tax bill for the city of XXXX had not yet been issued. Last year the amount paid was {$3300.00}. I confirmed this amount on the escrow summary I viewed on my mortgage companies ( Loan Depot XXXX # XXXX ) website. When I finally reached someone at Loan Depot to help me understand what was the cause of this increase in my monthly mortgage payment, I was told it was due to an escrow study that was completed in XX/XX/XXXX that projected a negative amount in my escrow account because of a tax payment that was scheduled for XX/XX/XXXXin the amount of {$3300.00}. This is the amount that I paid last year in atlanta city taxes but it was not paid until XX/XX/XXXX. Loan Depot has moved my expected tax payment date ahead by 5 months and as a result my escrow account monthly installments has increased to cover the alleged {$1500.00} shortage. I confirmed with the customer service representative that the funds had not been taken out of my account because i was concerned what was done with them because the county tax website shows that no amount is due nor does it even have an amount that will be due for XX/XX/XXXX. I asked Loan Depots customer service representative ( XXXX at ext XXXX ) to reverse the impact of this change to my monthly mortgage payment and return me to the amount that was previously being paid. HE said he would authorize my account to allow short payments until another escrow study could be completed. The time frame he indicated to complete that study was atleast 30 days. I expressed frustration with the time frame as well as the idea of short-paying my mortgage when they were not able to articulate to me why the projection had the payment being applied in XX/XX/XXXX for a bill that is always due in XX/XX/XXXX. This is the second time I have had an issues with this company and my escrow account. They failed to an installment between XX/XX/XXXX and XX/XX/XXXX and I subsequently incurred over {$100.00} in late fees which Loan Depot just paid out of my escrow account without notifying me. When i discovered this a year later it took filing a complaint with the CFPT to persuade them to reimburse me for the amount of lates fees that were paid from my escrow account because of their error. Please investigate this matter to the fullest because I can not help but think this is a predatory tactic they use to increase monthly mortgage payments on customers in an effort to charge fees and potentially foreclose on homes as a results of undue increase to peoples monthly mortgage payments.
Product: Checking or savings account

Someone fraudulently was trying to deposit fraudulent checks into my bank accounts. I dont know these people and I dont know how they got access to my account
Product: Student loan

I have private student loan with XXXX XXXX XXXX XXXX. As of last XX/XX/XXXX it was with XXXX a collection agency. I was paying on it every month. I Called XXXX to continue my scheduled payments and they said XXXX had taken it back. I have not heard from XXXX. I have called XXXX they couldn't find my account, they sent me to XXXX XXXX XXXX, they couldn't find my account. Next they sent me Recovery Specialist Cognition Lending. This company could not find my account.So inXX/XX/XXXX I received 2 tax forms, a XXXX  with the Interest on my loan and a XXXX, Cancellation of Dept. Well there is still a balance of XXXX  on the loan. This is not a good thing. I am still responsible for this dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian is required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MO XXXX XX/XX/2019 XXXX If Experian feels there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian does not provide any records & claims the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

-- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XX/XX/XXXX  Equifax XXXX XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute for Account Opened Fraudulently Dear Equifax Dispute Department, I am writing to dispute an item on my credit report that reflects negatively on my credit history. The account in question was fraudulently opened, and I believe this information is inaccurate. 

- Name : XXXX XXXX XXXX - Account : XXXX XXXX XXXX XXXX - Account Number : XXXX I recently obtained a copy of my credit report from Equifax and noticed an account that I did not open or authorize. This account is negatively affecting my credit score, and I have reason to believe that it was opened fraudulently without my consent. 

I am formally requesting an investigation into this matter to correct the inaccuracies on my credit report. I kindly request that you : 1. Conduct a thorough investigation to determine the validity of this account. 
2. Provide me with any information related to the account, including the date of account opening, the name and contact details of the account holder, and any supporting documentation. 
3. Remove this account from my credit report immediately as it is a result of fraudulent activity. 

I have attached copies of supporting documents that may assist in your investigation. 

Please inform me of the results of your investigation once it is completed. You can reach me at ( XXXX ) XXXX or via email at XXXX to provide updates or request further information. 

I appreciate your prompt attention to this matter and your assistance in resolving this issue. I am committed to ensuring the accuracy and integrity of my credit report. 

Sincerely, XXXX XXXX XXXX ---
Product: Credit card or prepaid card

Contacted Comenity regarding an application status. Spoke to a representative that was very rude. As a current Comenity/XXXX  cardholder, this is very disappointing.
Product: Debt collection

XX/XX/XXXX - My daughter attempted to rent an apartment from XXXX XXXX. Unbeknownst to her at the time of signing, she was assigned an inhabitable unit. She returned the keys to the leasing agent in the first 24 hours. We made contacted the XXXX in writing ( email ) same day as signing, advising the unit was inhabitable and we were unable to move in. In the lease and under Alabama law, this was grounds for lease termination. I also spoke with the XXXX over the phone to reiterate she was not moving in, and that the keys had been turned in and accepted by the leasing agent within the first 24 hours. 
XX/XX/XXXX - I received an automated email from XXXX XXXX, stating I owe a balance. I emailed the XXXX to dispute the claim. I had no prior contact or information regarding this matter. 
XX/XX/XXXX - I am made aware via credit monitoring report, that Carter-Young INC ( a collection agency ) reported a collection account on my credit reports, and my daughters. The amount is {$9000.00} and was opened in XX/XX/XXXX. I disputed this account with the credit bureaus, and merchant & collection agency. I requested the merchant verify the validity of the account and cease collection activities until verification was received. The merchant stated they do not have any information to verify the validity of this account. I have no information from anyone on this matter and am now at risk of being homeless because I can not be approved for housing with this new collection account ; This Collection contributed to the negative Rental History Evaluation for me. 

My daughter is also disputing this account as well.
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. Below are the details of the accounts in question : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Mortgage

In 2014 i was laid off work and have still not found full time work. I have been trying to get an many hours on as needed bases. Still not able to make ends meet my husband was in a accident in XXXX XXXX and off work XXXX mths. We really fell behind. Discussed with Stongate mortgage our situation and inability to make payments. They recommend we fill out a borrower assistance form. I did XXXX in XXXX of 2014 and I was told I had to send another XXXX cause the XXXX XXXX expired. The XXXX XXXX sent XXXX XXXX. I sent a hardship letter, expense form, pay stubs ( multiple times ), and bank stamens ( multiple times ). Every time I call them I ca n't get any information. Now they tell me I 'm in foreclosure after I have sent all these papers in. They tell me that someone has tried to contact me but I have no voice mails from them. This has been going on for about a year and no resolution. Please Help.
Product: Student loan

Urgent Complaint Regarding Unresolved Loan Refund and Discharge I hope this email finds you well. I am writing to express my deep frustration and disappointment regarding the handling of my loan refund and discharge request. Despite numerous attempts to resolve this matter, I have yet to receive any satisfactory resolution from Edfinancial.

To provide some background, I paid off my loan both before and during the Covid-19 pandemic and requested a refund for the amount I paid during that time and that because president Biden announced will forgive up XXXX to student loan borrowers. I have not received the refund check as promised, so I requested loan to be discharged as I asked to get it cancel since I didnt received, but it seems that no action has been taken on this front either.

I have diligently reached out to Edfinancial representatives through phone calls and online chats, but I have consistently received the same response of " waiting '' without any clear timeline or progress updates. I was initially informed that the process would take approximately four weeks, but it has now been more than four weeks, and there is still no resolution in sight. To add to my concerns, loan payments will start in XXXX and I have not yet received the promised refund check or discharge from account since I canceled. This situation is causing undue financial stress and uncertainty. 
The lack of progress and communication on this matter is highly concerning and unacceptable. I have even contacted the Department of Education and the Treasury, and they have confirmed that there is no record or request under my name, which raises further doubts about the efficiency and effectiveness of Edfinancial procedures.
Product: Credit reporting

I responded on XXXX/XXXX/15 for reinvestigation and have not received response back from TransUnion case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry is being reported on my credit report and I did not apply for credit with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX after checking my credit report I noticed that several files were not mine. Experian was reporting XXXX, XXXX, and XXXX XXXX. None of these accounts belonged to me. I disputed with Experian. The said that the accounts were verified. I began gathering information and disputing with the companies all of which agreed that the respective accounts in question were not mine ( Certified copies of letters that I received from each company are attached ). The companies agreed to request removal of the items with the latest coming in XXXX. I contacted Experian several times and as of date they still have these accounts on my credit file damaging my credit. They state that the account was verified, however as you can see it could not possibly be verified. Experian is deliberately violating my rights under the FCRA by reporting invalid unverified information and alleging it is having investigated this which obviously it had not. Please see attached proof.
Product: Credit reporting or other personal consumer reports

TransUnion, has failed to forward me any information on said accounts that they state have been verified. There are XXXX accounts : XXXX account # XXXX amount {$14000.00} XXXX XXXXXXXX XXXX account # XXXX I have explained to them that these accounts are fraudulant and to provide me with proof of how its beening verified and nothing
Product: Credit card or prepaid card

The company raised my interest rate from 17.49 % to 29.24 % with no notice. The rate shows as " as of XX/XX/2019 '', but on the Statement from XX/XX/-XX/XX/ the rate remains as it previously was. I was given no notice or alert to the interest rate rising so substantially. All attempts to contact the company have gotten nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an unauthorized inquiry reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for this item : XXXX XXXX Date of inquiry XX/XX/2020
Product: Checking or savings account

I received a letter from Chase informing me that they were transferring my funds from both checking/savings accounts to the state the last week of XXXX, 2017. Since the letter had to be sent via airmail, I had a very little time to stop them. My accounts had been inactivated so I had to make an international call to spoke to their customer rep. Although that phone call stopped them from transferring my funds to the state, my accounts were remained inactive despite their promise to reactivate within 2-3 business days. I told them I would rather close my accounts than reactivating them since it was getting harder for me to maintain my accounts from overseas, which they told me to file a request from their website after they reactivated my accounts. But apparently, they had deleted my ID and password, and I could n't log in. Each customer rep told something different, some of which sounded rather questionable and knowledgeable.
My accounts had remained inactive for 4 months, then out of the blue I was told that my accounts have been reactivated AFTER I had been trying to CLOSE XXXX my accounts. I even sent my notarized request via fax just like what they told me to do in order to close my accounts. I chose to fax it instead of mail it due to their lousy service ; I had to take a trip to the US embassy in XXXX and paid {$50.00} to have my request notarized. I did n't want them lose it ; I had no more trust in their ability to do their job. I would NOT want to take another trip to the embassy and pay another {$50.00} to have another request notarized, which is I think is the likely scenario considering.
Now, they are telling me I must " mail '' my notarized request, that faxing wo n't do, which is the first time I heard. They said I could either fax it or mail it. And I chose to fax it because their words can not be trusted, NOT ANYMORE after all this. I do n't want to spend any more money trying to close my accounts. I did tell them I would be contacting CFPB as my patience was wearing thin.
Product: Debt collection

On Friday, XX/XX/2018 a woman named XXXX XXXX ( Local Data Recovery/XXXX XXXX, not sure which one she works for she says one thing and then it shows on my bank as another name ) contacted my mother and told her that her company was going to be filing a legal suit against me for defrauding a bank and that if I didn't contact her by XXXX she was going downtown. My mom texted me her number, and I called. She was calling to collect on a valid account I do owe, she told me the sum was $ 900+ dollars and they were willing to settle, however if I didn't pay ASAP she would be going downtown. I paid {$190.00} on Friday and agreed to pay another {$190.00} in a couple weeks. On Sunday I decided to run my credit report, because I regularly run my report because I'm trying to fix my credit to buy my mom and me a house. Over the summer I had talked to another company, XXXX XXXX, about the same account for XXXX XXXX, and I know debt companies often sell the debt to other companies, but the company I talked to over the summer was still reporting the account, and I thought that was odd. I called them on Monday and asked them if they'd sold my debt to another company and they told me no, that in fact it was still valid with them and that XXXX might have been running a scam. I canceled my debit card to make sure that no money would be taken out without my permission, especially if this was a scam -- which I believe it to be. I called them Monday ( XXXX-18/yesterday ) and spent an hour on the phone with them, trying to figure out why they were reporting the same account for almost triple the amount, the woman was rude telling me that companies buy and sell debt all the time, which I already knew. I mentioned to her that I believe her company to be a possible scam and she replied 'a scam is something you don't know about, you know about this debt '. I would like this company to stop all further contact with me and refund the money they stole. My bank is already disputing the transaction with the company to refund my money. I find it unbelievable that two companies would report two the exact same debt at different amounts. I've never been in this situation so I really have no idea what to do. 

I do have a document I signed, however I am unable to currently attach it ( using my work computer to submit this and we can't use XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Transunion and XXXX has Violated my rights by Having Late payments on my Credit report and a charge off account. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC Section 1681a- Definitions ; rules of constructions- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

15 USC Section 1681- congressional findings and statement of purpose ( A ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

15 U.S. Code 1681n. Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, T.D. Bank N.A. has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 ( a ). 15 U.S.C 1681 Sect. 602 ( a ) states I have the right to privacy. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) also states that a consumer reporting agency may not furnish an account without my written instructions. I am hereby exercising my rights to privacy and request for the referenced account # XXXX to be immediately removed from all credit bureaus and agencies. 

I am also requesting the minimum violation amount that I am legally entitled to of {$1000.00} for such violation..
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent credit inquiries from my consumer report. 

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