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

On XX/XX/2022 an ACH in the amount of {$48000.00} was sent from my account in Fifth Third bank to an individul account with XXXX XXXX. This ACH was sent in error, and recalled within 24 hours and on XX/XX/XXXX. I was advised by 5/3 that the ACH was not reversed in-time, and the funds were not available to be recalled. Myaccount was deducted {$48000.00}. 

I filed a police report. The police invetigation revealed through subpoena to XXXX bank that in fact the ACH was reversed and no funds were disbursed to XXXX customer. However, I never received the funds back into my account. When I ask Fifth Third they are telling me that XXXX is not responding. When I ask XXXX, they tell me that they can't tell me anything as I am not their customer. I have been out of {$48000.00} for almost a year, and neither bank is doing anything about it. Please help!
Product: Mortgage

On XX/XX/2023, I discussed with our loan officer at XXXX  ( XXXX XXXX XXXX XXXX XXXX ) that " locking the rate '' wasn't actually locking a specific rate but rather a " rate sheet '' that is a combination of rates that you can get with points. She confirmed that in an email that same day. After the email, I called her to tell her that I'd like to lock the rate sheet but that later that evening I'd be discussing which combination of rate-points we wanted to go with from the rate sheet. I confirmed that to lock the point I needed to give her my payment info to order an appraisal, which I did on the call. 

Later that night, as committed, my wife and I decided which rate combo we wanted and I emailed the loan officer. The rate combination was XXXX % by paying {$10000.00} in points. 

On XX/XX/2023, the loan officer told us she locked the rate but that the points were now {$13000.00} because she did not lock the loan yesterday. I tried to have her honor the commitment from XX/XX/XXXX but she asserted that I never told her to lock the rate. She said it was in a recorded call but refused to share that call.
Product: Credit card or prepaid card

It should be illegal. I havent use my credit card for months and the credit card company itself put me over my limit and for the last five months they keep charging me finance fees and late fees and I can not catch up and my record show that Ive been paying every month they say Im six months behind and I owe {$680.00} over my Credit card limit. If I havent use my card for eight months they shouldnt keep charging me over and over again for finance fees and late fees I am having a very difficult time paying this down especially a big lump sum like they want. I got behind one month back in XXXX and Im still trying to catch up can you please help me and stop all of these nonsense charges
Product: Credit card or prepaid card

On XX/XX/XXXX there was an unauthorised transaction ( {$2000.00} ) on my credit card with a merchant ( XXXX  XXXX XXXX ) in XXXX. I gave the card to the merchant to check if it could be used as it is a USA card but the transaction was not authorised. I disputed this transaction and the credit card company resolved it against me ( on XX/XX/XXXX and again on XX/XX/XXXX ). I made the payment in XX/XX/XXXX.

I went to the merchant recently ( XX/XX/XXXX ) to resolve the dispute but to my surprise learnt that the merchant did not receive my payment. The merchant shared documents which clearly state that the merchant bank issued a permanent debit to their account for lack of sufficient proof. 
When I checked with the merchant bank, they are saying they issued a permanent debit to the merchant. They want my credit company to raise a second charge back request and then they would credit me but my credit company is saying they had already resolved the dispute and can not help anymore ( letter dated XX/XX/XXXX ). They want me to resolve with the merchant but the fact is the merchant doesn't have my payment as it was permanently debited by the merchant bank. 

To summarise, my credit card company resolved the dispute against me and I made the payment. 
The merchant bank issued a permanent debit to the merchant and ruled that the transaction is invalid.
Product: Mortgage

I inherited three home equity loans from my father, XXXX XXXX XXXX, when he died on XX/XX/XXXX. I am amicably setting loans with two banks, XXXX XXXX XXXX and XXXX XXXX. But I have repeatedly hit a wall with Fay Servicing, which holds a home equity loan on my parents ' house at XXXX XXXX XXXX, XXXX, XXXX XXXX, loan number XXXX. Fay did grant me several loan forbearances, the last of which expired in XX/XX/XXXX. I have been in touch with Fay regularly since my father died, apprising them of my efforts to meet the loan obligation. I was being treated for XXXX XXXX XXXX in XXXX during the period my father got sick and died and for some time thereafter. Because the treatment made me very ill, I had to stop XXXX  at XXXX XXXX  The XXXX  kept me on to XXXX XXXX XXXX but my income declined to about {$1000.00} monthly, so there was no way I could make monthly payments to Fay. I informed Fay of my original plan to sell my house in XXXX, Ma. in the spring of XXXX and pay off the loan in its entirety around the time the COVID forbearance expired. I subsequently became ill with XXXX XXXX, for which I was treated during a three-month stay at XXXX XXXXXXXX XXXX. Subseqent to that, I came to my parents ' house in XXXX, XXXX, intending to prepare it for sale, at which point I intended to pay off the Fay Loan. I wound up in the hospital in XXXX XXXXXXXX, XXXX for my XXXX again, and a XXXX  was installed. I was in regular contact with Fay during this period, explaining the situation and requesting patience. I am now at my parents ' house, readying it for sale. But Fay has informed me that the home equity loan is now in excess of {$430000.00}. I found a Fay bill in my father 's papers from XXXX XXXX, XXXX showing the total amount of the loan outstanding then was {$330000.00}. The principal must have been even lower when he died, as he made regularly monthly payments between XXXX and XX/XX/XXXX. I called Fay dozens of times this spring to try to negotiate on the amount due and request a payoff document, but got nowhere. I finally wrote the lawyer for Fay and subsequently received a phone call from a vice president, XXXX XXXX, who said Fay would send a payoff document but would not budge on the amount due nor explain why the amount due has risen by about {$100000.00} since XXXX. I believe I acted in good faith with Fay over the past two years while dealing with extraordinary circumstances - my illnesses, my father 's death and the death of my mother on XXXX XXXX. I feel Fay should also act in good faith, taking into account my efforts to maintain communication and my good intentions regarding settling the loan. For the first time since my father 's death, I am no longer dealing with XXXX for a XXXX  XXXX and am preparing to be able to pay off the Fay Loan entirely. I believe Fay should adjust the loan to the $ XXXX-plus figure. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX collections agency and asked for a 1099-c form they refused to give it to me. They are still reporting the credit card on my credit report and its been closed since 2018. I would like for you to investigate this or if you can eliminate this from my credit.
Product: Credit card

I, the consumer and natural person, applied for a line of credit on XX/XX/XXXX. I was wrongfully denied credit by Citibank N.A. when I applied for Costco Credit Card. 
I, ( lowercase name )  Agent here on behalf of ( upper case name ) Principal hereby accept all titles, rights, credit, interest and equity owed to the ( uppercase name ) Principal. 

Regardless of the reason for denial, I have the RIGHT to credit. 15 USC 1691 ( D ) ( E ) Withholding my access to my securities is securities FRAUD. Federal Reserve Act section 16 ( 1 ) & ( 2 ) I have recorded multiple Citibank supervisors & managers from the consumer credit department admitting to violating the Equal Credit Opportunity Act by way of Discrimination. Without Equality there is Discrimination! 

Meaning a person with a XXXX credit score shall be given equal opportunity to credit as another person with a XXXX credit score. 

Citi bank is in violation of Equal Credit Opportunity Act and Consumer Credit Protection Act. Since you are denying me access to my credit. 

Other Violations Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1692k.

You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by Citibank due to the response I received.

Citibank is in violation of 15 U.S.C. 1642, U.S.C. 1681m and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used on an application, turning it into SECURED COLLATERAL which is PREPAYMENT of credit and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Citibank N.A. Which is also SECURITIES FRAUD I am demanding Citibank release my collateral security for Best Buy & Costco cards in the amount of {$15000.00} each! And mail out my credit cards to me within 7 business days. Also provide Costco the approval code for my immediate use.

If Citibank fails to make any reasonable procedures to resolve this matter within 5 days of receiving this letter and approve me for the use of my credit card I will indeed make Citigroup N.A. criminally and civilly liable for ALL actual damages pursue it to 15 USC 1681n and 15 USC 1681o.

Including REVOKING ALL SECURITY INTEREST FROM CITIBANK N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute with this company to notify them that they did not comply with federal law and I also notified them that I would be submitting a complaint to the CFPB, FTC, and attorney general in their state to my understanding this company had 15 day to respond to my CFPB complaint and this company has still failed to respond. This matter is not fair and It is causing me to be denied credit. Portfolio Recovery is liable for any actual damages under 15 U.S. Code 1692k - Civil liability ( a ) Amount of damagesExcept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
Product: Credit reporting or other personal consumer reports

Equifax reporting account inaccurately. 
This account is closed and paid off. 
Remove this account from my credit report. 

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

1 : XXXX submitted a hard inquiry on my credit reports, without my permission to do a hard inquiry. 
2 : Factual Data. I instructed the lender that I don't want a hard pull.
Product: Mortgage

I am facing foreclosure due to negligence by Freedom Mortgage. 
My husband and I refinanced our original mortgage on our home with Freedom in XXXX, XXXX. We both signed the new mortgage as borrowers. 
In XXXX, my husband and I divorced. In XXXX, XXXX, my ex-husband quit claimed the house to me. 
In XXXX, my ex-husband discharged his personal liability for the mortgage through a bankruptcy filing. 
In XXXX, XXXX, I entered a loan modification trial period with Freedom. I made all payments through XXXX, XXXX. In that month, Freedom sent me a final agreement packet that was in my ex-husbands name. 
Freedom acknowledged my status as the successor in interest to my ex-husband via a letter in XXXX, XXXX. However, they have consistently refused to work or communicate with me about the loan, insisting that they can only speak to my ex-husband as the borrower. This is incorrect. Under RESPA, I am to be considered the borrower because of my status as successor in interest. 
I have attempted to submit an application for a new loan modification, but Freedom only returns an offer in my ex-husbands name. Because they will not work with me on a loan modification agreement, I have been unable to make payments. Freedom filed for foreclosure in XXXX, shortly after the property was quit claimed to me. At that time, the past due amount was approximately {$6200.00}. That was when I started the first loan modification, resulting in the trial period beginning in XX/XX/XXXX. Now Freedom claims that there is over {$81000.00} owing on the loan. They have been adding interest and late fees while also not working with me as the borrower to develop a loan modification plan. 
I have applied for HAF funding to cover up to {$40000.00} of the amount owed. But Freedom is refusing to provide me with a loan modification application in my name to address the remaining amount owed. Instead they keep sending an application in my ex-husbands name, with a request that he reaffirm the debt. 
In communications with Freedom, I am told conflicting things about my account. Some representatives tell me that I do not need to assume the mortgage, others tell me that I do need to. Some representatives tell me that my ex-husband is the only person they can talk to about the mortgage, others will talk with me but then send me documents in his name only. Freedom is inconsistent in mailing information - sometimes it arrives addressed to me, sometimes addressed to my ex-husband. I can not get them to commit to communicating and working with me as the borrower.
Product: Debt collection

XXXX {$2600.00} ive tried disputing with them explaining to them that I am a victim of identity theft XXXX XXXX - XXXX {$1500.00} ive disputed this account several times, XXXX, I have no knowledge of this account XXXX XXXX XXXX XXXX Last updated XX/XX/2023 Balance {$110.00}
Product: Credit reporting or other personal consumer reports

FCRA & 605B ( 15 U.S.C. & 1681c-2 ) the Equifax and XXXX and XXXX credit reporting agency , block information reporting on my consumer report that result in identity theft and fraud within 4 daysof receiving this complaint.The fraudulent inaccurate account is XXXXXXXX XXXX account number XXXXThis account account appearing on my consumer report i do not recognize the aforementioned account.I have attached my FTC IDENTITY THEFT CRIMINAL COMPLAINT case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly XXXX XXXX XXXX days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Product: Credit reporting or other personal consumer reports

These accounts are fraudulent, and I believe it was opened without my knowledge or consent. I have taken the necessary steps to report this fraud to the appropriate authorities and have filed an identity theft report. A copy of the identity theft report is enclosed for your reference. 

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C . 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency c
an not furnish an 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: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notwithstanding allegations of fraudulent charges regarding XXXX XXXX XXXX XXXX  account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the XXXX, Experian and XXXX  consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring.
Product: Credit reporting or other personal consumer reports

This is my XXXX request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/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 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 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 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 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

A wire was sent to HSBC on XX/XX/2020 for the amount of {$77000.00}. The beneficiary did not receive the payment. We, XXXX XXXX ' XXXX XXXX XXXX, sent 4 messages to HSBC and only received 1 response asking for additional information, which we provided the same day on XX/XX/2020. As of today, XX/XX/2020, we have not received a response or the funds. In addition, we have had several phone conversations with HSBC to no avail.
Product: Debt collection

RAUSCH STRUM LLP on behalf of XXXX XXXX has filed a lawsuit with XXXX XXXX Justice of The Peace. Without properly communicating with me. 

I sent a letter in response Denying the debt owed XX/XX/XXXX and the company sent a response XX/XX/XXXX. XX/XX/XXXX the firm filed a lawsuit without notifying me and before my legal 30 days to respond. 

XXXX XXXX was notified during the pandemic of my financial situation. No relief was offered after several attempts telling them I was unemployed. No payment reduction or any payment arrangements offered. 
This firm has a history with filing lawsuit illegal. 
All my calls have went unanswered. 
Please look into this firm past and XXXX  REVIEWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, in reviewing my credit on XXXX XXXX, I noticed 6 hard inquiries that I did not recognize. They are on my TransUnion report and are dated XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017. Additionally they were all tied to National Credit Cards/Airlines. I called TransUnion and they said they were from XXXX XXXX and I would need to call them and provided me the phone number of XXXX. I called and spoke with a representative and explained the situation. He stated the National Credit Cards/Airlines was indicative of an issue with XXXX XXXX and this was a known problem and I would need to contact them to have it removed. Not fully understanding, I asked to speak with a supervisor and was connected to another supervisor and she stated the same thing. She stated several years ago, XXXX XXXX placed thousands of hard inquiries ( manifesting through National Credit Cards/Airlines ) on credit reports and had to go back and fix it. She stated they have begun to do this again. When I reached out to XXXX XXXX, I was redirected to TransUnion who again redirected me to XXXX XXXX who again sent me to XXXX XXXX. It's a never ending and vicious cycle and meanwhile, I am suffering, because these hard inquiries affect my credit adversely. I am in the process of trying to end a toxic relationship and get into a new living situation either through buying or renting a house and this is going to make things really difficult for me. I did some research on the situation and understand this has definitely been happening and people have reached out to the CFPB for help. I am desperately reaching out.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and XXXX was asked to get debt validation, signed contract to support the claims as I have no knowledge of this XXXX debts with DEPT OF ED/XXXX  Never late with Illiana and capital one auto. lates need be verified or deleted