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

Earlier this year, around XXXX I believe, my husband ( soon to be ex-husband ) went to First Merchants Bank and had my name removed from both our joint checking and savings accounts. When I found out and called and questioned the bank about this procedure they told me that they could do that. I then took it upon myself to research the matter further and determined that the accounts should have been closed and reopened under his name, but that they can not take my name off of the account without my written permission. I called back and informed them that they could not do what they did legally. They did not correct the situation. I have been humiliated and embarrassed several times now as when I have gone to the bank to deposit his check and and take money from the deposit as he instructed only to be told that they can not give me the money because my name was not on the account, even though I provided them with my ID and my name should not have been removed from the account. I have had to change my accounts that were being directly withdrawn and been very inconvenienced. I feel that this is a great injustice that they have done, let alone a very scary that someone can just go and take all of your money and take your name off of your accounts. I feel that the bank not only had a liability to notify me, which they did not. Please do not let this happen to anyone else. There should be someone protecting the consumer from them doing what they have done!!
Product: Debt collection

I had gotten 3 calls from 3 different numbers all claiming to be XXXX, none of the phone numbers were associated with XXXX and were all previously reported as scams, claiming I owed $ XXXX {$990.00}, it changed each call, and I told them I would pay it when XXXX sends me a bill. I never got a bill in the mail or a call from a legitimate phone number. Then a couple weeks later I received a letter from " Professional Account Services Inc '' with a very vague description, the wrong name, and the wrong address. Then a few days later I received a call from a woman, who had a clearly fake " southern '' accent, claiming to be from the company and saying she was in Tennessee. I told her I was unable to talk as I had to take my daughter to therapy, but she refused to let me off the phone politely. She claimed to have my social security number, which is a threat, and I gave her my email so she would let me hang up. I never received an email. I looked into the phone number because it had a XXXX area code. Turns out this company " from Tennessee '' is using a landline registered in XXXX XXXX, Florida. After that I called the real XXXX  service and they looked at my account and said there was no {$990.00} bill ever and they had no idea where that number was coming from. So I called the " debt collectors '' back. A lady without an accent answered and then after hearing me changed to having an accent, then when I said I spoke to XXXX  she dropped the short-lived accent and started screaming that " XXXX knows who we are '' and when I said okay but I spoke to them she screamed that I am " a liar '' and starting having what sounded like a mental breakdown and I just hung up. Why would XXXX not send me a bill and immediately send it to a debt collector? I am tired of the harassment and threats and want these people shut down. One of the phone numbers they called me from was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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
Product: Mortgage

On XX/XX/2020 we refinanced our home mortgage.The new mortgage company paid off the previous mortgage with Bank of America on XX/XX/XXXX. We have not received the $ XXXX balance refund from our BofA escrow account. I have called numerous times and waited on hold for approximately 7 hours in total. The last person I spoke with said they had mailed the check  on XXXX XXXX. We have not received it. I asked if the money could be sent to our Bank of America checking account instead but was told it had to be a mailed check. Our mail has been unreliable lately and it seems we will never get the money we are owed. Bank of America does not return calls they promise to return nor have they responded to the emails I have sent through their online site other than to say someone will be back in touch within a few days. They never are. I tried to set up an appointment to go into a branch or have someone to call me but their system will not allow me to make either type of appointment.
Product: Mortgage

In XX/XX/2023 My insurance company XXXX sent out letters to their " Wind '' policy holders in Florida that their insurance was being cancelled. 
I immediately called my insurance broker and they said oh just ignore that, it was a mistake on XXXX part. 
Consequently a letter from XXXX was also sent to my mortgage company concerning my mortgage escrow. Rocket Mortgage paid my flood and homeowners insurance on the due date of XX/XX/23but not my wind insurance insurance based on a bogus letter from struggling XXXX XXXX. My wind insurance policy lapsed because of their lacking fiduciary components and they then placed me with one of Rocket Mortgages affiliate companies XXXX XXXX ( double the premium ) .I again called my broker and asked what was going on. They said Rocket paid my other policies on time but not wind insurance resulting in a cancellation of my policy which I then had to have a new one written by them for reinstatement. By the time I was reinstated Rocket charged me over {$1000.00} for their replacement Wind policy from XXXX. I was livid and called them ( Rocket ) with my complaint and they said my agent had to call XXXX to back date policy. 
My agent called XXXX and they said they DO NOT back date policies. 
I returned frustrated to Rocket and they said sorry you must pay then for the coverage from XX/XX/2023 until I was reinstated by XXXX on XX/XX/2023. 
They added it into my escrow! 
If this isn't a total ack of their fiduciary responsibility to me to pay my escrow bills then please explain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in copies of proof of IDENTITY more than 12 times this year alone for me and my XXXX  kids. I sent ID for me and daughter, our social security cards, both certificates, court order showing proof of guardianship shot records and school records. Alone with a notarized letter on what to remove and why with 7 Police Reports from. XX/XX/XXXXthat I have had to file due to stolen wallets, etc. I never get a response in the mail. When I do they state I need to be verified when I already sent in enough proof ... more than what they've asked for. I got a copy of my XXXX  data that have gathered and 65 % has nothing to do with me. My information is being sold, traded, etc. I sent out mail with trackers recently and still haven't heard back from neither credit reporting
Product: Credit card

Dear Sir/Madam, I had a Citi Diamond Preferred credit card probably since XX/XX/XXXX approx. I went into financial problems in XX/XX/XXXX, and my debt at that time was for $ XXXX- {$15000.00} approx. Citi and I went into an arrangement where I have to pay the total of the debt with no interest for the entire term of the debt. We arranged a payment of {$250.00} per month with automatic withdrawal on the XXXX of each month. Even though I went over financial difficulties, I paid the credit card on time every single month for {$250.00} on every XXXX-XXXX of the month. XX/XX/XXXX, I changed my bank account ( XXXX accounts are XXXX XXXX XXXX ), and I forgot to inform Citi about this change, so when they withdrew the funds on XX/XX/XXXX, there were insufficient funds. Citi called me on XX/XX/XXXX, and I provided to them immediately my new bank information, and they were able to withdraw the funds ( {$250.00} ). After few weeks, I received a letter from City dated XX/XX/XXXX, where they informed that the payment arrangement has ended. Later I received my statement and noticed that Citi charged 27.99 % ( APR ) on this debt ( today the balance is only {$3000.00} - as of XX/XX/XXXX ). 

I called Citi today XX/XX/XXXX and Citi confirmed that the arrangement has ended and there is nothing they can do to reinstate the arrangement, and instead they will charge on this credit card 27.99 % APR. The employee that I spoke to was XXXX, Account Manager of Citi located in XXXX, Florida. As a courtesy she credited {$78.00} for one time ; however Citi will continue charging on this account 27.99 % APR. 

My complaint is based that Citi can not consider an arrangement breached because of a delay in the payment for 10 days that was unintentional. 

Sincerely, PC
Product: Mortgage

Denial of F HA Jumbo Loan  and non-return of home deposit.     We have been proactive in pursuit of a refund since  XXXX / XXXX / 17 . FHA  Jumbo Loan Denied w  ith Hovnanian Homes due to loss of employmen t on  XXXX / XXXX / 2017 . Provided letter of separation from  XXXX   XXXX  to  Hovnanian Home M ortgage Department. A letter of denial of mortgage was issued  XXXX / XXXX / 17 . Called and spoke to  XXXX   XXXX   XXXX  estate agent/Broke r for Hovnanian Homes o n  XXXX / XXXX / 17  regarding job loss and refund.There was no follow- up via email or call to when the home deposit ( time- line ) will be mailed to us by  XXXX   XXXX   XXXX   XXXX  further escalated our complaint to  XXXX   XXXX   XXXX  several times via email. The response and result from  XXXX   XXXX   XXXX  was no response to time-line when the refund will be issued. The deposit was {$6000.00} toward a new construction town-home in  XXXX , New Jersey provided the approval of  FHA Jumbo  loan.  XXXX   XXXX  applicant and  XXXX   XXXX   co-applicant. Please investigate why there is a lack transparency with the refund and why there is a delay with the status of our refund.
Product: Credit reporting or other personal consumer reports

Unauthorized credit inquiries are listed on my report, violating 15 USC 16c-2. Please remove these incorrect entries.
Product: Checking or savings account

There was a check cashed by teller to XXXX XXXX, he walked in and cashed a XXXX check and it overdrawn my account and Bank of America refused to help and talk with teller that cashed the check. Then after I couldn't repay they closed my account. This check was to a contractor that made give a estimate of work to be done, work was not done correctly. I had this account overdrawn and contractor didn't complete the work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dovenmuehle Mortgage account was disputed and removed in XX/XX/XXXX from my XXXX  credit report. This was a mistake, at the time of the first reporting account was unfamiliar but in fact valid.This was due partly to the loan being transferred from my previous lender, which I was unaware of at the time of the dispute. Since then, the account has been reported by Dovenmuehle the lender as accurate and updated monthly. Yet, XXXX still continues to suppress this information and essentially blocking the tradeline. As of XX/XX/XXXX account was reporting creating a fico score of XXXX, as of XX/XX/XXXX this information went missing resulting in a lower fico score of XXXX. This is damaging to my credit score and worthiness as a consumer. Covid-19.
Product: Vehicle loan or lease

I am writing to formally lodge a complaint concerning inaccuracies in my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically, I would like to cite the following sections : 15 U.S.C. 1681c - Section 2 : This section outlines the requirements for the reporting of certain types of information in consumer reports and mandates that credit reporting agencies maintain accurate and complete information.

15 U.S.C. 1681e - Section 2 : This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy in the information they report.

15 U.S.C. 166b : This section pertains to the liability of creditors for violations of the FCRA and underscores the importance of maintaining accurate information in credit reports. 

While reviewing my credit report, I have identified, Ally Bank has listed payments ( XXXX, XXXX, XXXX, XXXX, and XX/XX/2024 ) as missed when they have been paid. They are reporting them as missed payements when they have paid. These discrepancies are not only misleading but XXXX also negatively impact my creditworthiness and ability to obtain credit.I request that you investigate these matters promptly and correct any inaccuracies in accordance with the laws cited above. Please provide me with a written response detailing the results of your investigation and any actions taken to rectify these issues.Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting

My name is not XXXX. 
I never lived at XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes around XX/XX/2023 I found some accounts on my credit files that I didn't open or authorize anyone to open these accounts .fraudulent accounts I contacted the company 's couldn't get information cause I don't have account information. Reported to all credit bureau. They did nothing just updated accounts as they were mine they are not accounts that I opened I want them remove immediately..I filed identity theft Affidavit sent in to all credit bureaus along with identification and credit reports showing fraudulent accounts they have not done anything to block or remove these accounts I want them removed
Product: Credit reporting

I attended a session because I want to purchase a home. The HUD certified counselor pulled my credit report and discovered that my father 's credit accounts were reported in my credit report. My father and I share the same name ( Father : XXXX XXXX XXXX. Son : XXXX XXXX XXXX ) but our date of birth are different as well as our social security number. The counselor assisted me with preparing the documents to dispute the accounts. I received a letter from Equifax stating that the accounts could not be deleted. I have uploaded my credit report and highlighter the incorrect information.
Product: Debt collection

I was contacted today by " XXXX '' from XXXX XXXX XXXX. " XXXX '' failed to provide a last name ; which is illegal. Without proper verification ( there was no request for personally identifying information other than the fact I verified my name ) I was advised that I had an outstanding balance on an Old Navy credit card and was requested to settle the balance in full or establish payment arrangements. 

I politely requested that the company no longer contact me at this number, at it is a work number and also advised that I wished for the company to cease and desist. " XXXX '' advised me that I would need to put the request in writing, which is understandable, as this is per the FDCPA. However, when I requested an e-mail address, XXXX advised me that the company would not accept my cease and desist request in this manner, as it had to be in " writing ''. 

After all of this, XXXX provided me with a previous address which I had lived and requested that I update this address. I advised XXXX that I would not update my address and I would contact them when I wanted to resolve the debt. 

XXXX advised me that the debt would remain in collections and that they would continue following up with me until it was resolved ; despite my request for them to cease calls to my number and to cease and desist completely. 

There were several violations of the FDCPA here. More than I care to waste time going into.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$9900.00} ; XXXX XXXX.
Product: Other financial service

I received a phone call from XXXX. The computer voice identified the company as " Check Into Cash ''. The voice thanked me for calling them. I never placed a phone call to them. They called me. The computer solicited me for a loan over the phone without any of the proper disclosures required by TRID or TILA. When finally connected to a human being, they refused to believe that I had n't called them to apply for a loan. They insisted that I dialed their number to apply for a loan and claimed that it was impossible for them to have called me. 

This is a deceptive practice.
Product: Checking or savings account

I was a victim of a devastating fraud where my device and XXXX account were compromised, resulting in unauthorized purchases on XXXX on XXXX using my debit car. The amount of XXXX was made entirely without my consent or authorization. I reached out to Chase Bank, providing all the documentation and evidence I could gather to prove the fraudulent activity. Yet, they chose to side with the merchants, ignoring my pleas and showing a blatant disregard for my situation. Additionally the merchant is no better as they ignore and only reply with automate answers. Additionally the merchant has denied to close the account in question. Instead of helping me recover the stolen funds, they have effectively supported the perpetrators by refusing to take action. It's deeply disheartening to see the bank I trusted prioritize profits over protecting their customers, making me feel abandoned and betrayed in my time of need.
Product: Debt collection

I had a credit card through XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. My husband and I used a debt consolidation loan from CitiFinancial to pay it off in XX/XX/XXXX. Now years later my bank account are being garnished and XXXX XXXX states they never received payment. The debt was sold to a debt collector about 2 years after the consolidation loan was taken out to pay it off. All other debts that were paid using the loan are paid, this is the only one that was not. We have paperwork from our loan that says that money was sent to XXXX XXXX XXXX. If it was not sent as the loan says then Citifinancial breached the contract. When we called to get copies of the paperwork they were unable to provide copies of the checks or account numbers associated, though we brought in our statements and they wrote the checks from those. They stated that since it was over 7 years ago they no longer have check copies and can not provide me with any proof that they were ever sent. We were never in possession of the checks and CitiFinancial dispersed all funds themselves. My bank account, as well as my children 's are wiped clean at least once a year for the past 7-8 years for a debt that we took all steps to pay in XX/XX/XXXX
Product: Debt collection

As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. 
The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ).
Product: Mortgage

On XXXX XXXX, 2015, Nationstar Mortgage executed and recorded a fraudulent instrument ( ASSIGNMENT OF DEED OF TRUST '' ) in XXXX County Texas Recorder 's office declaring they were assigning a deed of trust on behalf of Assignor-Countrywide Home Loans, defunct entity, as attorneyin-fact to XXXX Assignee. 

On XXXX XXXX, 2015, Nationstar responded to a QWR via a CFPB complaint declaring they were servicing the note on behalf of XXXX the assignee of the Assignment. The recorded instrument contradicts this reply and is fraudulent and false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they Violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts- XXXX XXXX XXXX XXXX XXXX XXXX  florida XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX, XXXX is a debt collection attempting to collect a debt in the amount of {$9200.00}. I have no knowledge of this account. I have repeated disputed this debt with all three credit bureaus to no avail. I think the next action I take if I can not get any resolve from consumer finance is to take legal action. Please remove this account from credit report. I have repeatedly said I was a victime of identiy theft annd it seems no one cares. I am consistentky receiving letters and calls for this account.
Product: Vehicle loan or lease

I previously filed a complaint with the CFPB ( XXXX ) approximately three weeks ago regarding an issue with Huntington Bank . I am current on my payments, yet Huntington Bank claims that I owe them an outstanding balance of {$6500.00} and has demanded payment in full by Friday, XX/XX/scrub>XXXX XXXX 

However, when I exercised my right under the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ) to request verification of this outstanding balance, Huntington Bank failed to provide the required documentation. Specifically, I requested : 1 ) A full amortization schedule, detailing how they arrived at the {$6500.00} balance. 2 ) Documentation for each and every deferral, forbearance, or modification applied to my loan. 

Despite my formal request, the bank has refused to verify or substantiate the balance they claim I owe. Instead, they continue to demand immediate payment and have threatened repossession of my vehicle if the amount is not received. 

Huntington Banks failure to provide accurate and timely debt validation, while simultaneously pursuing collection actions, is in violation of my rights under federal consumer protection laws. Their lack of transparency and refusal to verify the debt constitutes an unfair and deceptive business practice, placing undue stress and hardship on me as a consumer. 

I am requesting CFPB intervention to ensure that Huntington Bank provides the full documentation verifying the accuracy of their claims before they proceed with any further collection or repossession actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a collection account that reporting inaccurately on my report they are the only credit bureau listing this account which is inaccurate it shows a past due balance on a collection which is against the law the company is XXXX XXXX XXXX the account number is XXXX company XXXX XXXX XXXX this account should not be reporting in credit and I would like it removed immensely Experian report should match the reports of XXXX and XXXX they are the only bureau reporting account and its inaccurate and I want removed asap I attached proof showing only Experian reporting this collection