23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are reflecting an inaccurate bankruptcy and that it will be reflecting on my report until XX/XX/XXXX. Beginning in XXXX of XXXX I began to contact Experian, XXXX and XXXX via certified mail disputing this information. I was informed by all XXXX companies in writing that this information was furnished to them by XXXX. I have even contacted each company by phone and told this information by representatives. When I contacted XXXX regarding this inaccurate information, they removed it from their database as it was found to not be correct and negatively impacting me. I have disputed this information on XXXX separate occasions with all XXXX bureaus through certified mail and on their websites only to be informed in writing that the bankruptcy is verified through XXXX and not being removed. I have even asked for them to take the time to contact XXXX on their own so that they can be advised that no bankruptcy is reflecting on my consumer file. I also took the liberty to contact XXXX again today on XX/XX/XXXX just to confirm yet again that they are not reporting a bankruptcy to these bureaus and was advised by XXXX ID # XXXX that again there is no bankruptcy on my consumer report and that they have not been contacted by either bureau to validate the information. This false reporting is damaging to my character and causing me to pay more in interest for accounts that I actually have. Also is preventing me from purchasing a home for myself and my family
Product: Checking or savings account

I am filing a formal complaint against Mariner Finance regarding the wrongful garnishment of my bank account, which has caused significant financial and reputational harm. 



On XXXX, I discovered that my joint bank account at XXXX XXXX XXXX XXXX was frozen due to a garnishment order related to a debt allegedly owed by my husband, XXXX XXXX. However, I am the primary account holder and the only one responsible for making transactions on this account. Under Maryland law ( Md. Code, Cts. & Jud. Proc. 11-603 ), a debtor portion of a joint account may be subject to garnishment only if the debtor contributes to the account. Since my husband does not contribute to or deposit funds into this account, his debt should not have led to my account being frozen. I was never notified by the bank nor Mariner Finance. I was only made aware when my mortgage payment was return because of my account been frozen. 



As a result of this wrongful garnishment, I have suffered the following financial damages : Returned mortgage and utility payments, which could jeopardize my home and essential services. 

Overdraft fees, which have placed an undue financial burden on me. 

Damage to my credit score, as missed payments have negatively impacted my credit history. 



I had no knowledge of or prior association with this debt, and Mariner Finance actions have caused me severe financial and reputational harm. I have already sent a formal demand letter to Mariner Finance requesting an immediate release of the garnishment and compensation for the damages caused. With no response. 



I request that the CFPB investigate this matter and hold Mariner Finance accountable for their wrongful actions. I also seek the following resolutions : 1. Immediate release of the wrongful garnishment on my bank account. 

2. Reimbursement for all financial damages, including overdraft fees and late payment penalties. 

3. Correction of any negative credit reporting resulting from this unlawful action. 

4. A formal response from Mariner Finance explaining their justification for this wrongful garnishment and outlining steps to prevent such errors in the future. 



I appreciate your attention to this matter and look forward to your prompt assistance. Please let me know if any additional information is required.
Product: Checking or savings account

My CITi Bank checking and savings account, was subjected to fraudulent activity, by someone gaining access to my account, transferring all the money out through XXXX, and creating an unauthorized loan account, which was also drained. I contacted Citi Bank fraud department immediately, they opened an investigation. Over a week passed, and now I have been informed that Citi Bank will not be refunding me the money, as they say it was my fault. Additional checking accounts were also creased by the fraudsters. CITi Bank has not fixed my account, refunded the stolen money, and has not removed the unauthorized loan account. CITi Bank does not seem to care or take responsibility for my money.
Product: Mortgage

My home equity line of credit was transferred from XXXX XXXX XXXX XXXX  on XXXX XXXX, XXXX to Select Portfolio Servicing. My first statement from Select Portfolio was dated XX/XX/XXXX how ever I did not receive the statement until Mid. XXXX XXXX. 
The payment requested is {$450.00} higher than my payments have been for the last nine years. I have made six calls to select servicing regarding this issue with no avail. Today I was informed they are " working on the issue ''. 

I am in the mortgage business myself. I am fully aware of the guidelines regarding loan transfers and servicing. XXXX XXXX will be the 60th which means they will be able to report me as delinquent. I value my credit an do not want their error to tarnish it! 
I am at a loss and hope you can help. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX Inquired onXX/XX/XXXXXXXX Inquired on XX/XX/XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX : {$0.00}XX/XX/XXXXXXXX XXXX XXXX XX/XX/XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, AL XXXXXX/XX/XXXX Inquired on XX/XX/XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XX/XX/XXXX Inquired on XX/XX/XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XX/XX/XXXXXXXX Inquired on XX/XX/XX/XX/XXXX
Product: Debt collection

Collection agency has called me at my place of employment three times and was told each time to stop calling me at work. I have told them each time they may call me on my cell/home number, but only XXXX time was that done. Today was the third time they have called me at work and the third time I have told them to stop calling me at work.
Product: Checking or savings account

XXXX XXXX XXXX XXXX is a XXXX homecare services based in Minnesota. We issued a payroll check to a staff. The staff deposited the check with TCF online into her account number and the check posted as paid by XXXX on XX/XX/18. TCF refused to credit the staff account on the ground that they were investigating the check, despite the fact that it had posted. A manager from healingtorch and the staff went to the TCF bank on XXXX XXXX XXXX XXXX in XXXX XXXX MN XXXX, and met with the Assistant Branch Manager on XX/XX/18 to clarify the authenticity of the check and payment. Evidence detailing the withdrawal from the business account and the check image received from XXXX that payment has been effected from XXXX were shown to them including the company 's online business account. Despite all effort, TCF refused to credit the staff account with the money posted to them from the XXXX business account of XXXX. This Bank 's action jeopardise our action to provide effective client service, diminishes our organization 's obligation integrity and put our staff in financial difficulty, and is unacceptable. See attached files for evidences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in 2 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed a collections account ( XXXX ) show up on my report. I've called several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been almost 2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on an account I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 2 months now.
Product: Debt collection

This company has failed to provide sufficient verification to the three credit bureaus as I requested to have verified this debt belongs to me as they say, and nothing has been sent to me as any proof therefore they have now again sold my information to yet another collection agency that is abusive on the phone please be aware of this scamming company the names are XXXX XXXX XXXX XXXX and Synergetic Communications, INC
Product: Money transfer, virtual currency, or money service

Hello, I was a victim of a scam, my bank is Bank Of America. I submitted my claim with my bank about this issue but they cant seem to help me. I lost my XXXX XXXX and theyre not able to retrieve my funds or approve my claim when I have given them all the information about the scammer, his email, the amount sent, etc. Its unfair that this scammer is able to keep my money with not consequences. I just want my money back because I really need it right now. Especially, with this economy. I really hope you can help me get my funds back. Thats all I care about, getting my XXXXXXXX XXXX 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$7.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i notified Experian that there was outdated information on my credit report the employee refused to dispute the information, which created a financial hardship for me, i have no other alternatives because of the timeline of this matter, Civil Rights are not optional you must treat all customers equally, this was absolute discrimination
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I'm getting threatening letters from Midland Credit Management there going to have the sheriff or police put me in jail.To personally file a lawsuit. I've been XXXX by the federal government since 2014 and still XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the Equifax Data breach and my social security number has been compromised. I am a victim of Identity theft. I have an abundance in fraudulent accounts on my credit report that are holding me back in life. I have filed an Identity theft report and have accompanied all my other documents such as my Identity and Bill as proof. Please help me! Credit is essential for life in the United States and I'm unable to move on with my life due to people opening accounts in my name.
Product: Mortgage

I have my property in short sale since XX/XX/XXXX PNC Bank National association is the lender of property XXXX XXXX XXXX is the realtor taking care of short sale ( XXXX ) XXXX The buyer is ready to buy even though PNC Bank raised the price two times and the buyer still willing to make the purchase. 
Since the bank has a sale date for XX/XX/XXXX On XX/XX/XXXX I filed an emergency motion to stop the sale with Circuit Court. 
Judge 's clerk scheduled me to appear in court on XX/XX/XXXX at XXXX On XX/XX/XXXX XXXX XXXX, XXXX represented PNC Bank in front of Judge XXXX XXXX XXXX from court room XXXX. XXXX XXXX explained me that PNC continue working with my case and currently it was being reviewed for Loss Mitigation. ( See copy attached ( XXXX ) Today XX/XX/XXXX I was working ( I am full time worker ) and my son send me an email ( XXXX XXXX asking me to call him " it is an emergency '' he stated. 
When I called him back he said that a man who identified himself as XXXX was drilling the locks of my basement because PNC Bank order him to do it. 
My son informed XXXX that I XXXX XXXX XXXX was still living in the property and having a short sale going on. XXXX said that he was only following PNC Bank orders and the most he can do is to come back tomorrow XX/XX/XXXX in the morning to change my house locks and perform on eviction which includes to bring a crew of men who are going to empty the house and damp all my belongings and valuables. 
I have never received a notice of vacating the property. 
I do not understand was going on please help me. 
The realtor 's attorney, who is conducting the short sale provided me with a list of actions he has been taking in a monthly basis towards the short sale. ( See attachment ( XXXX ) Please contact me or my housing counselor XXXX XXXX from XXXX XXXX XXXX XXXX ( A not for profit organization ) Home owner : XXXX XXXX XXXX XXXX XXXX Foreclosure Prevention housing counselor : XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

This is not a duplicate complaint. This company has been notified in writing to cease and desist from contacting me and they have continued to call. When I complain about a new violation that they have committed they simple say its a duplicate account. They also refuse to provide me with a debt validation letter.
Product: Mortgage

I am a single mother of XXXX and my mortgage is {$1500.00} monthly, I have little to nothing left over for after paying it. They will not work with me to refinance or lower my payments. Ive inquired with them for 6 months or more. I've tried and applied for any and every assistance program and grants via the government and our local XXXX XXXX XXXX. They also report me as being late if I pay after the XXXX on my credit file. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. "
Product: Credit reporting, credit repair services, or other personal consumer reports

During the FEDERAL MORATORIUM ON EVICTIONS I was leasing a house from XXXX XXXX XXXX XXXX. I am also a XXXX XXXX. My merchant processor and bank froze our accounts at the same time, and 7 days later XXXX XXXX XXXX XXXX taped an eviction letter with bright orange duct tape across my garage door. I tried contacting XXXX and explaining to him what was going on, and he was not hearing it. He sent the police to evict me out of the house during the Federal Moratorium On Evictions. He then proceeded to sue me and due to covid, I was not able to make it to the court hearing and received a judgement in the amount of {$4000.00} which is now affecting my credit report. They have additionally tried to seize my assets through my bank account once. I would like this removed from my credit report as well as information on suing this company for violating the Federal Moratorium on Evictions signed the President of the United States. I ended up living in my car for XXXX weeks due to this, and then came up with enough money to rent an XXXX XXXX for 3 months while saving more and the owner of that XXXX XXXX  leased me an apartment. But his company left me on the street during the hardest time of my life. Please provide information & help me remove this from my credit report, and make this company pay for the damages caused.
Product: Credit reporting or other personal consumer reports

I don't have an active account with Discover. However, they are improperly reporting account information on my credit, which I am refusing to pay. My credit report states the account was 30 days past due in XX/XX/XXXX. The account went from being 30 days late in XX/XX/XXXX to being closed in XXXX and XX/XX/XXXX. Then the account reports as being 30 days past due in XXXX, 60 days past due in XXXX and 90 days past due in XX/XX/XXXX. 

Aforementioned, I refused to pay the alleged debt and request that you cease and desist all further communication with me and any and ALL XXXX Parties in this regard, as required by the Fair Debt Collection Practices Act : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer Citation : 15 U.S.C. 1692c ( 2021 ) ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Product: Mortgage

Rocket Mortgage changed a fee that was disclosed on XX/XX/XXXX, which I signed, and raised it by over {$4500.00} on XX/XX/XXXX, which was XXXX weeks before my closing date. Also, our commitment was scheduled to expire on XX/XX/XXXX. How can you change a fee before a commitment expires? 

This was predatory because if I didn't pay the fee, we were to far into the process to get a different loan. We made a commitment on the XXXX to only use Rocket for financing. 

Mortgage rates were at all time lows when we applied and during the entire process. Both applicants on this mortgage had no changes in credit, income or any status, that would justify changing the fee. 

Please see the attached documents for dates and only the document on the XXXX was signed electronically.
Product: Debt collection

Letters and phone calls continue to be received from Harris & Harris of Illinois , Ltd, attempting to collect a debt of {$590.00} from XXXX. The debt has already been paid, yet we continue to receive letters & phone calls from Harris & Harris.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block that they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
I have a loan with XXXXXXXX XXXX XXXX XXXXXXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof, Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Ive disputed it with Transunion credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late.