23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hunter warfield put a collection mark on my credit. They never tried to contact me. They admitted to sending the initial contact letter to their own client not me. I was the one to reach out to them after I noticed the mark on my credit and have Contacted them numerous times since requesting a signed lease from XXXX XXXX XXXX ( the said property they say I owe ) I have already expressed to them that this debt is not valid and they have tried to get in touch with XXXX properties to get this information and they have not been able to get a-response from them. They have even closed my dispute with them and I had to get them to reopen it. I should not have to go through all this trouble to get a mark off my credit that they have fraudulently put on there. All they have sent me as proof of debt is some types bill from XXXXXXXX XXXX. I have never had an agreement with any of these companies and I do not owe any money to them. I have asked for Hunter warfield to remove this from my credit and all I get is a bunch of fast talk and over talking.
Product: Checking or savings account

I went to Citizens Bank today in XXXX, Ohio. I asked them to close my account and I asked them to check if I was going to be able to keep the promotion. The teller then asked her manager. When the manager came back up to the window, she said that she was not sure. I asked her if she would be able to find out, expressing some confusion on why she would know the answer to such a basic question. In fact, I already knew I would be able to keep the promotion but I wanted to hear them say it so that there was no confusion. I was then asked to leave because I was being rude. I told them that this is XXXX because I did not swear them and I did not yell at them. I was a little irritated but this was because they were lying to me about not knowing or did not have the basic competence that even bank consumers have. I was very polite to them. And they started yelling at me. I felt humiliated when they handed me my driver 's license to them. I politely left and I went to the bank in XXXX where I was able to very easily close the account. Please ask them in XXXX if I was rude. I was not rude and they readily knew the answer to my question. What XXXX branch manager did not like about me was the XXXX of my skin. That is all she knew about me.
Product: Bank account or service

Hello everybody and thank you for your help. 
On or about XXXX XXXX I attempted to deposit {$1900.00} to my Santander Bank account via ATM at XXXX XXXX branch of Santander, XXXX, MA ( I used ATM that is furthest from the entrance ). ATM took the money but did not deposit any amount on my account, neither it gave it back to me, neither ATM provided receipt. At the spot I contacted customer service of the bank and representative assured me : that I can leave that location, money will go nowhere, they will deposit provisional credit while they are conducting an investigation. Reference number for the call and opened case is : XXXX As the result {$1900.00} were deposited as provisional credit. 

Yesterday ( XXXX XXXX ), I received a letter from the bank stating that there was NO error found on their side and they will take provisional credit back on XXXX/XXXX/2016 ( and they took it ). 

Today ( XXXX XXXX ) I called their Card Claims Contact Center. XXXX, a representative, and XXXX, her supervisor, told me that ATM team did not find any excess of cash in the ATM where I deposited my money. Therefore they closed the case and withdrew {$1900.00} back making my balance negative ( which causes a potential problem that bank will charge fee if I ever attempt to use my card ). 
As the result of the conversation the new claim and complaint about how case was handled by them was opened. Ref # XXXX, complaint # XXXX. I demanded a better investigation to be done. XXXX and XXXX assured me that Fraud Prevention team and Card Claims team both will be involved, as well as they will be using video recording from the cameras at the spot. 

Imagine yourself in my shoes, when bank took {$1900.00} and make you pay for it. This amount of money is not a needle in the haystack and if Santander bank has internal problem of theft, unprofessionalism, problem of audit or not properly working ATMs it must deal with it but not customers. 

I have some questions/suggestions if that will help : 1 ) why it took them more than a month to investigate? Is n't it supposed be under 30 days? 
2 ) what will they do differently during the reopened case.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2019 to XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$870.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$930.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

After receiving our loan estimate from XXXXXXXX XXXX XXXX and locking in our mortgage rate. The loan processor failed to disclose why the loan estimate for cash to close differed from the final notary closing documents cash to close. We were emailed three different funds to close letters all with contradicting numbers and dates. The evident difference was the interest estimate. We were charged one number shown in the loan estimate and an additional amount in the cash to close documents. After speaking with the loan officer we learned this was padding to protect the bank in case they underestimated their numbers.
Product: Credit reporting or other personal consumer reports

I received a late payment on my credit report from Fortiva. The issue is that I was paying via there portal and realized the portal was not working. I have sent them screen shots of the portal showing null when I attempt to pay. I have called and asked to speak to a supervisor and submit request to remove the late payment for XXXX weeks. Each request is supposed to be responded to within XXXX business days I have put in XXXX request to date with no answer. This was removed and they put right back on my credit report unjustly it doesn't make sense that paid in XXXX and its shows XXXX  days late in XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

On my credit report I saw that Nelnet, who was the loan agency who had my student loan transfer the debt to XXXX. They did not update my credit report and it stills shows that I have that student debt, This student debt was paid in full because I got a loan forgiveness.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX are reporting inaccurate information on my credit profile.
Product: Credit reporting

Listed below under Equifax , highlighted there is XXXX account that is still being reported incorrectly as of XXXX XXXX 2016 by XXXX. I have disputed this and they have yet to resolve. 

Listed below under XXXX, the accounts that are highlighted have been removed by XXXX, and all of these accounts are being reported incorrectly as of XXXX XXXX 2016 by Equifax. I have repeatedly disputed this, and they have not resolved.
Product: Checking or savings account

I deposited a XXXX check into a new checking account with chase Bank. It was a third party check endorsed to me by my fiance at the bank. They said that as long as the check cleared the funds would be available in about 10 days, that was the XXXX of XXXX, the check cleared but they then locked my account and told me that we needed to verify my fiances phone number to unlock my account even though the check cleared and the funds were available. We then proceeded to buy a new phone through XXXX XXXX and headed back into the bank to verify the number, which didn't happen because their phone number verification system said that the number wasn't hers even though they never tried to call her. It is now XX/XX/XXXX, and on the XXXX of this month the fraud department of chase called me and told me that my account was closed the day before and that I would be receiving the available balance from the account by mail in 7-10 business days. I have not received any check but a statement came that said that they debited the account for the whole amount of money on the day they closed the account. I have since tried contacting them to see what is happening and they keep telling me that my account is still open and I still need to verify my fiances phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

19 yrs of payments not showing in XXXX report vs XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Removal of Unauthorized Late Payments in Accordance with Applicable Laws Dear [ CFPB AND CREDIT BUREAUS ] Customer Service, I hope this letter finds you well. I am writing to bring to your attention a matter that requires immediate resolution. I have recently discovered unauthorized late payments on my account, which I believe are in violation of the four laws established to protect consumers ' rights. 

The unauthorized late payments in question occurred and I would like to request their immediate removal from my account in accordance with the following laws : 1. Fair Credit Reporting Act ( FCRA ) : This legislation ensures the accuracy, fairness, and privacy of information reported by credit reporting agencies. The unauthorized late payments are inaccurately reflecting on my credit report and must be rectified promptly. 

2. Fair Debt Collection Practices Act ( FDCPA ) : As a consumer, I am entitled to fair treatment by debt collectors. The unauthorized late payments were not authorized by me and should not have been reported to any credit bureaus.

3. Truth in Lending Act ( TILA ) : This act provides protection to consumers in credit transactions by requiring clear disclosure of terms and costs. The unauthorized late payments were not disclosed or agreed upon in any contractual agreement. 

4. Electronic Fund Transfer Act ( EFTA ) : This act safeguards consumers in electronic fund transfers, including unauthorized transactions. The late payments were not authorized by me and therefore should be considered unauthorized electronic transfers. 

I kindly request that you investigate this matter and take the necessary steps to remove the unauthorized late payments from my account and correct any negative impact on my credit score as a result of these inaccuracies. I expect a written confirmation of the actions taken to rectify this situation within 30 days of receiving this letter. 

If necessary, I am prepared to take further action to protect my rights under the aforementioned laws. I hope we can resolve this matter amicably and promptly. 

Please feel free to contact me at [ Phone Number ] or [ Email Address ] to discuss this matter further or to provide any additional information you may require. 

Thank you for your attention to this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

We have a first mortgage with BMO Harris bank. This mortgage was first issued in XX/XX/XXXX, and was acquired by BMO Harris bank through a series a bank mergers and acquisitions. 
As a side issue, my wife and I filed for bankruptcy in XX/XX/XXXX. We did not reaffirm the mortgage debt, but continued to make timely payments as our intention was to keep the property. 

Shortly after BMO Harris acquired our mortgage, they stopped sending us monthly mortgage statements. Because it is an adjustable rate mortgage with property taxes escrowed, the monthly amount due changes frequently, at least twice a year. We do not receive any notice of these changing amounts due. As a result, at times we continued to pay an older amount due that was no longer sufficient to cover the entire amount due. 
In these situations, BMO Harris will place the paid funds in a suspense account, again without notifying us of the shortfall. 

Needless to say, this soon results in a mortgage payment that is 30 days past due. BMO Harris is prompt on reporting the past due status of the account to the credit unions, before even giving us a chance to make up the shortfall. They also add on numerous late fees and penalties, again without notifying us of the existence of these fees and penalties, which increases the shortfall in the subsequent months. 

Over the last several years, we have made numerous requests, both by phone and in person, to have monthly mortgage statements again sent on a regular basis. BMO Harris has never complied with these requests, and has never provided an explanation for why they refuse provide monthly statements. 

It is unconscionable for a large bank such at BMO Harris to deliberately refuse to provide regular statements of the amounts that are due to avoid late fees, penalties, and adverse credit reports, yet promptly send adverse credit reports to the credit bureaus. The adverse credit reports have had a direct and negative effect on our financial dealing, more recently resulting a car loan being obtained at a much higher interest rate than was initially offered.
Product: Mortgage

We are XX/XX/XXXXXXXX XXXX XXXX veterans and on social security XXXX and are experiencing a hardship and have a servicing complaint against Bank of America regarding the review of my loan for mortgage assistance. I have been denied due to an erroneous reason : unable to verify income is what they are using. My income consists of Military XXXX and Social security XXXX. This is verified with current award letters and 2 months bank statements with the deposits circled. To claim to not be able to verify this is covered under the following : XXXXAIR HOUSING ACT VIOLATION FOR DISCRIMINATING IN THE TERMS AND CONDITIONS OF A MORTGAGE OR LOAN MODIFICATION BASED ON DISABLITY, RACE, COLOR, RELIGION, NATIONAL ORIGIN, SEX, OR FAMILIAL STATUS. 

They are also claiming that since in XXXX to XXXX of 2017 ( 2 years ago ) I received some self employment income there was a discrepancy and they will not review me no even though I had a change of circumstance over a year ago and I do not have any self employment income at all now and am not claiming it on my mortgage assistance application.
Product: Mortgage

I have a mortgage with Suntrust. I lost my job, and I can not reach Suntrust to request mortgage forbearance under the CARES Act. I believe that Suntrust may be avoiding and evading its obligations under the CARES Act to grant mortgage forbearance to borrowers by deliberately making it impossible to contact the bank. 

Suntrust has : 1 ) hidden all guidance about mortgage forbearance on its website so that it is impossible to navigate to within its website ( I had to find it through an external search engine ) ; 2 ) failed to post on its website ANY accurate information about borrower rights under the CARES Act ; 3 ) required mortgage customers to speak to a phone representative to request forbearance, and 4 )  understaffed or non-staffed its mortgage customer service phone line so that it is impossible to speak to a representative to request forbearance. 

Yesterday, XX/XX/2020, I waited on hold on Suntrusts customer service line for two hours and 28 minutes, at which time the line simply went dead. No one answered, and I did not hang up Suntrusts system just ended the call. After two hours and 28 minutes on hold. 

Feeling desperate, I tried the line again tonight, XX/XX/2020, when Suntrust *says* it staffs the line until XXXX XXXX. It is now XXXX XXXX and I have been waiting tonight for one hour and 15 minutes, with no end in sight. 

So here is my question : who is checking to make sure that Suntrust is making reasonable efforts, or indeed any efforts, to enable borrowers to request forbearance on their mortgages? What if they just dont answer the phone, ever? What if that works out better for their business and they just dont care? I have to wonder.
Product: Debt collection

I received my 1st letter ever from AFNI Collections on XX/XX/XXXX about an account I owed XXXX XXXX XXXX XXXX. The letter was dated XX/XX/XXXX. In the letter they wanted to offer a settlement and stated I had 30 days to call them to dispute the balance or validate the debt and if I didn't respond it would be placed on my credit report. 
I immediately contacted AFNI Collections. I was told by the representative that it was an account from XX/XX/XXXX that was from a address of XXXX XXXX XXXX XXXX, AL. I told them that I didn't owe XXXX XXXX XXXX anything and I can not even remember the account, but I do know XXXX XXXX XXXX was placed into Chapter XXXX Bankruptcy that was filed on XX/XX/XXXX and was not discharged until XX/XX/XXXX. I informed them that the home was put into Chapter XXXX and all debts for that address was placed into Chapter XXXX. The representative became aggressive and said they just received the account from XXXX XXXX XXXX XX/XX/XXXX. The representative took down my attorney name, XXXX XXXX who was my bankruptcy lawyer at the time, I gave them the information pertaining to my bankruptcy case in which XXXX  shouldve already had. There were violations that have now taken place by AFNI & XXXX XXXX XXXX. I was told by AFNI that they were returning the account back to XXXX XXXX XXXX on XX/XX/XXXX but as of today I received an alert from all 3 credit  bureaus that AFNI has reported this XXXX XXXX XXXX account as a collections of {$1100.00} to my credit report and I just disputed it on XX/XX/XXXX after I received my 1st letter which is not even past 30 days. I called AFNI and complained and the representative tried to refer me back to XXXX XXXX XXXX, but they were the ones who reported it after the fact I informed them I was protected under the Bankruptcy Law. I then asked for a supervisor whose name was XXXX who asked me to email XXXX and to tell my situation. She stated she would request an investigation as to why this was reported to my credit report and it had not even been 30 days. She too confirme that this was the 1st letter that they had sent me, and she wanted to know if their notes show I filed bankruptcy and they were suppose to investigate as of XX/XX/XXXX then why nothing was halted to prevent such measures and why report occurred before 30 days. This should never happen to anyone and AFNI collection tactics are aggressive and they are not following the 30 day law nor bankruptcy law when it comes to collection accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 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 permission
Product: Credit card or prepaid card

XX/XX/2020 - Wrote check for {$1200.00} to Citibank/Citicards for payment of bill XX/XX/2020 - Citbank/Citicards withdrew {$12000.00} from my checking account XX/XX/2020 - I called Citibank/Citicards to request return of {$11000.00} stolen from checking account. Citibank/Citicards stated that funds would be returned by XX/XX/2020 XX/XX/2020 - Stolen funds have not been returned XX/XX/2020 - I called Citibank/Citicards requesting immediate return of stolen funds. Citibank/Citicards acknowledged failure to return stolen funds. 
XX/XX/2020 - Stolen funds have not been returned
Product: Credit reporting or other personal consumer reports

I have XXXX unauthorized credit inquiries on my XXXX report as of XX/XX/2023 : XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX [ XXXX ] I called the respective above numbers as seen in my credit report to enquire the reason for the inquiry. However, they kept redirecting me to another department and they could not find this hard inquiry in their record checked using my SSN. Some of the creditors were unreachable as well despite I made multiple attempts to connect with them.
Product: Debt collection

I get calls from different people stating to call the plantiff. They have called my ex mother in law XXXX times stating they are looking for me to take me to jail. the latest they called my home and said they were going to my job between XXXX and XXXX yesterday. Stating I could call the attorney at XXXX to stop it. They have also called my elderly sick parent stating the same. They are calling for XXXX XXXX ( My former married name )
Product: Checking or savings account

Someone opened or tried to open a savings and checking account with Bank of America in my name. Apparently the scammer got my name and social security number. I got three email notifications from Bank of America that an account was created on XX/XX/XXXX. I called Bank of America on XX/XX/XXXX and asked if they could flag the account or close it as it's not mine. They said in order to confirm my identity I would have to visit a Bank of America branch with two forms of ID. There isn't a Bank of America anywhere near me, not in my state at least. So I have no claim number or ability to follow up with Bank of America since there isn't a branch location in my state. They sent me a link to schedule an appointment with a bank branch but again, there is no location near me and even if I wanted to schedule an appointment I can't because it requires an account number which I don't have because I don't bank with Bank of America. So now I have to call all the credit agencies and figure this out on my own because Bank of America can't figure out a system to prevent this or even help reconcile this.
Product: Money transfer, virtual currency, or money service

I transferred money to an account/card I had no access too. The card is still on my account but I have no access to it. I tried to have the money added back to my account but cash app says they can't. It was XXXX dollars. I have no clue who XXXX  is