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

On  XXXX / XXXX / 17  I deposited a check at the  Chase  atm in my town and recieved notice dated  XXXX / XXXX /   17  that the paying bank could not find the checking account number and that the amount would be subtracted from my account & that I would be charged a {$12.00} returned-check fee. When I went into the bank they told me the problem was that the copy of the check was not good, so that the other bank could not read the numbers properly. I asked for the check back so that I could hand it in to the bank & was told that I could not have it. They told me to contact the person that wrote the check, which is not an option for me. I called the phone number listed on the noti ce mulitple times (  speaking with  XXXX  for  48 min utes and  XXXX  at my branch  - Chase would not give me their last names ) and was told they could not contact the other bank again, that I could not have the orginal check back & that I should contact the check writer. I can plainly see from the notice that the computer read the account number wrong. Since I deposited this check in a Chase atm and Chase is my bank, it should be their responsibility to either depost the check correctly, or give me the check back.
Product: Checking or savings account

I did a mobile deposit for {$530.00} from XXXX XXXX XXXX XXXX  on XX/XX/year> to my truist bank business checking account which I have had for XXXX XXXX that is a sole proprietorship account which uses my name as the business name. After depositing the check thru the app there was a message stating that there would be a hold on the funds but it did not specify how long. I later received an email that stated the funds would not be available until XX/XX/year>. I called ( XXXX ) XXXX and the representative stated that the bank wanted to verify that the check would clear and the funds wouldnt be available until then and that I could contact a branch to speak with a manager in regards to seeing any funds could be released earlier. On XX/XX/year> I contacted the XXXX XXXX branch where I had opened my account at ( XXXX ) XXXX and spoke with XXXX who stated there was nothing she could do and that I could talk the client care XXXX to ask get more information on the hold on the check. She transferred to the client care and the representative hung up on me. I called back and spoke with XXXX who provided me with the same information that the check was on hold until XX/XX/year> and that there was nothing he could do but a branch manager would be able to assist with seeing if any funds could be made available. I attempted to call the branch back several times and was sent to voicemail. I now feel that I am getting the run around and my money is stuck in limbo without any justification.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I wired XXXX to a jp chase Morgan customer for a deposit on a vehicle. A few hours after the wire we figured out it was a scam and did a wire recall thru my XXXX XXXX account. I notified chase Bank as well and filed a fraud claim. Chase bank has refused to recall tge wire or help in the recovery of the funds. They refuse to give us any information to help recovery the funds.
Product: Credit reporting

Received my Equifax XXXX credit report and there was a credit card on my report that I did not apply for from XXXX. I called the fraud department of XXXX and they would not help me unless I agreed to a disclosure statement which I did not want to agree to. XXXX made several errors resulting in them issuing a credit card under my identity and would help me resolve it.
Product: Credit card or prepaid card

The credit report shows I have Maximum Delinquency of 30 days in XX/XX/2012 on my XXXX XXXX XXXX Credit Card. However, the lateness is due to the company 's error of NOT sending any statement to me. I called the credit card company after I found this problem back in 2012 and they admitted their problem and they refunded the late fee and said they would NOT report to credit bureau. However, they still reported it and it affected my credit score.
Product: Credit card or prepaid card

This credit card was applied for without my consent. 
Pentagon Fcu XXXX XX/XX/2023 Please remove this inquiry as soon as possible as it is negatively impacting my report
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction or removal of inaccurate information on my credit report. My personal information must be accurately reported in compliance with the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and the Consumer Data Industry Association 's ( CDIA ) Metro 2 compliance standards. 
Any misreported information that can not be verified must be deleted immediately. 
My correct address is XXXX XXXX XXXX, XXXX XXXX, California XXXX. The following personal information on my credit report is incorrect and should be removed : Incorrect Name - XXXX XXXX XXXXXXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXXXXXX XXXX XXXX Incorrect XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX, Nevada, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, California, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$4900.00} 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 XX/XX/XXXX
Product: Debt collection

I have reached out to Bullcity financial in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request proof that this debt is mine. I have requested the signed agreement showing I am the account holder liable for the debt. They do not respond and have yet to furnish the proof.
Product: Mortgage

In XXXX of XXXX I closed on a construction loan to build my home. I am a builder by profession and built this home for my personal use. The construction loan was a 5-year ARM in the amount of {$410000.00}, intended to be modified to a conventional 30-year mortgage at the end of one year. The appraised value to the property and proposed structure at that time was {$470000.00}. I put down approximate {$40000.00} in cash. Construction of the home was completed in XXXX of XXXX. In XXXX of XXXX the loan was modified to a 30-year loan in the amount of {$390000.00} ( I didn't use the full amount ). The servicing was then transferred to XXXX. 

In XXXX of XXXX, knowing that my principle balance was approaching 80 % LTV I contacted XXXX to request what date the PMI would automatically terminate. They responded in an official email that date to be XXXX of XXXX. 

XXXX then transferred the servicing of my mortgage to PHH Mortgage. I contacted PHH in XXXX of XXXX to confirm cancellation of my PMI on the aforementioned date. After much waiting and following up they told me my PMI would not be cancelled unless I went through the process of obtaining an appraisal or sending in a principle reduction payment of nearly {$50000.00}. After lengthy inquiry I was informed that the value of my home was assessed as the amount of the modified principle balance at the time of the mortgage being modified to a 30-year term ( {$390000.00} ).  Because the home was constructed for myself there was no sales price, therefore they arbitrarily took the mortgage amount as the value instead of the appraised value. 

I do not know why PHH insists on the value of my home being the original loan amount. I strongly disagree with their position as to the value of my property. A recent appraisal obtained for other purposes indicates the property is now worth {$530000.00}. Unless PHH is in possession of documents I do not have, I can find nowhere in my original closing documents or modification documents that indicate the change in value. 

Further, in response to my inquiry as to why PHH is not honoring the date given by XXXX, they point to a statement in the email sent by XXXX that if a modification happens the termination date will be recalculated. However, the modification occurred with the local bank in XXXX before the loan was ever sold or servicing transferred to XXXX or XXXX. And the letter from XXXX was in XXXX of XXXX. They point retroactively to that modification as to why they will not terminate PMI. I find this explanation fraudulent and deceptive in nature, hence my appeal to the CFPB for relief.
Product: Vehicle loan or lease

I financed my vehicle through American Honda Finance. I am now in the process of moving from Hawaii to the US Mainland ( California ). I need to ship my car to make this move. The state of Hawaii requires that I get authorization from Honda Finance ( as my lienholder ) to ship the vehicle. After waiting for hours on hold with their customer support, they told me I would need to submit insurance documentation ( confirming the vehicle would be insured in transit ) to a specific email address. I provided that documentation. After a week with no response, I called back and waited on hold for several hours. That representative said I need to email a different email address. They are not responding to either email address and I've been unable to get authorization to ship my car. I now may have to sell my car just to be able to move and risk not being able to even get a good price for it after all the time they've wasted. I feel that they have a responsibility as my lender to provide this to me. I've given them everything they asked for and tried numerous times over many different channels to follow up. I don't think they are acting in good faith to service my loan appropriately and feel that I was duped into accepting financing that wouldn't allow me to move with my car.
Product: Debt collection

I have a debt collection from midland credit management who claims I have a credit card account with XXXX  XXXX with a balance of {$420.00}. They say this was opened XXXX of 2019. I was not of age to open this account nor was this account made under my discretion. I tried disputing several times and called midland but they stated they would not remove it unless documented due to me having no form of documentation stating this was under identity theft.
Product: Debt collection

I get phone calls at home and on my cell as well as my wife 's cell sometimes hourly. I asked them to stop. They then call from another phone number.
Product: Mortgage

To whom it may concern, My name is XXXX XXXX and I am here to fight back, and make a stand against the gross injustice the SLS mortgage company has brought and continues to inflict on my family. 

Rather than finding a way to work with us / taking responsibility for their own sloppy mistakes ( no notice served / incorrect address, broken agreements too many to count ). 

Negligence is one thing, but Im afraid thats not the case here.. the degree of their misconduct is troubling and they should be held responsible for their behavior. 

They have gone after me, my family and my home with malicious intent. 

Not willing to even PRETEND to try and work with us / offer a reasonable solution at any point of this nightmare. SLS abused their power as a financial institution to bully us into a corner Not only have they refused to work with us, but whats worse is how theyve gone out of their way to perpetuate lies. unjustly attacking us and going all in on defending their fraud and criminally behavior. They are undoubtedly doing all they can to cover tracks and escape the liability which inevitably will track them down. They can say whatever they please, Im here to defend the truth and it will prevail. I have receipts/specific info which clearly shows the bombastic misconduct / borderline criminal activity dealing with them on too many occasions to count. 

Please, reach out / respond ASAP I never missed a payment until COVID The payoff was less than {$40000.00} after with more than {$200000.00} of equity in the home. 

stranglehold on our property. 

sabotage us they are trying to steal my home
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard credit inquiries from XXXX dated XXXX XXXX, XXXX and XXXX XXXX, XXXX. Neither should be present on my credit report. I was prequalified for their related credit card months prior to those inquiries which I did not authorize.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to bring to your attention significant inaccuracies in my credit reports that require immediate attention and correction. I have diligently disputed these discrepancies multiple times, yet they continue to be reported as verified, which is in direct violation of the Fair Credit Reporting Act that mandates accurate reporting. As per the law, you have 15 days from the receipt of this letter to investigate and rectify the discrepancies as outlined below : Account name : XXXX Account Number : XXXX ( Experian )/ XXXX ( XXXX ) Account Type : Revolving Account Type - Detail : Credit Card Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX ) XXXX : {$690.00} No. of Months ( terms ) : XXXX High Credit : {$840.00} ( Experian )/ {$0.00} ( XXXX XXXX XXXX XXXX : {$500.00} Past Due : {$690.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX ) XXXX Last Active : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX ) XXXX of Last Payment XX/XX/XXXX It is evident that the information being reported on my credit report is both inaccurate and damaging to my creditworthiness. I urge you to thoroughly investigate this matter, contact the creditor in question, and ensure that the information is corrected to accurately reflect the status of this account. I have attached supporting documents that validate my claims and demonstrate the discrepancies between the reported information and the accurate details. 
Furthermore, I request that you provide me with a written confirmation of the actions taken to rectify these inaccuracies once the investigation is complete I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to comply with the Fair Credit Reporting Act 's guidelines could result in legal action. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report and fraudulent accts that I do not recognize. I believe someone has my personal information and is posing as me to obtain credit 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. 

Hard Inquiries XXXX XXXX XXXX XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX  acct # XXXX Account name : XXXX XXXX XXXX Acct # XXXX 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 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. 

You may have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX  ( Mo ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt.
Product: Mortgage

Nationstar ( Mr. Cooper ) is putting my home at risk by not working my file in a timely manner. At issue is a value dispute we submitted on XX/XX/XXXX as Nationstar has my property over valued and I am trying to sell my home. As of XX/XX/XXXX we still do not have an answer on that value dispute. That value dispute should take no more than 10 days to respond to and we are going now on a month. They have set a sale date on XX/XX/XXXX which is against dual tracking laws since my property is under review for a short sale. This is a violation of CAHBOR.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding my consumer credit report. It has come to my attention that my personal information was exposed in a recent national data breach. Upon reviewing my credit report, I discovered several accounts that I do not recognize or recall authorizing. I understand that Congress states that consumer reporting agencies have a grave duty to report complete and accurate information in regard to a consumer report. 

To ensure the accuracy and legitimacy of the reported information, I have previously requested validation of the debts associated with these accounts from the credit reporting agencies ( CRAs ). However, to date, I have not received the required documentation or verification substantiating these accounts. 

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], specifically : Section 609 ( Disclosure of Information to Consumers ) : I am entitled to all documentation related to the disputed accounts, including the original creditor 's name and verification details.

Section 611 ( Procedure in Case of Disputed Accuracy ) : The CRAs are required to reinvestigate disputed information and remove or correct any unverifiable or inaccurate data within 30 days of my dispute.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692g ( b ) ], I have the right to request debt validation, including evidence that these debts are legitimate and that the reporting entities have the authority to collect or report them. The lack of sufficient validation violates this statute. 
As my information has been compromised, I have taken the following steps to protect my identity and resolve this matter : XXXX. Filed a complaint with the Federal Trade Commission ( FTC ), reference number XXXX. 
XXXX. Attached is a copy of the XXXX XXXX XXXX notification report for your review. 
XXXX. Submitted a certified debt validation request, including proof of delivery # XXXX. 
I urge you to comply with your obligations under the FCRA and FDCPA by : Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the immediate investigation and removal of any unverifiable, inaccurate, or unauthorized information from my consumer credit file.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 These companies listed below, used mis-match information to open an account fraudulently, with incorrect information, I have since disputed and proven the personal information and it has been removed from some but not all credit bureaus. However the fraudulent accounts associated with the personal information have not been removed. XXXX account showing opened XX/XX/XXXX This account shows closed however this account does not belong to me. Kikoff Lending LLC showing opened XX/XX/ ( Account # : XXXX ) with late payments. I have never been affiliated with this business.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Attached to this letter is all necessary victim determination documentation needed to remove this adverse information on my report. According to section 605B, The Transunion reporting agency must remove this negative information within 4 business days of my written notice. All adverse information in my consumer FICO report has been attached to this letter in a PDF attachment, listing all accounts.
Product: Mortgage

Insurmountable attorneys fees were applied to my mortgage in addition to fraudulent other fees, with refusal to specify these fees individually. Monthly mortgage payments for at least 3 months collected twice but deducted from my mortgage once.
Product: Prepaid card

I have received a Cash App visa debit card on XX/XX/year> and I didn't open the account with cash app. Tried to call customer service of cash app on XX/XX/year> and sent my name and the photo of the card ( front and back ) through the email that customer service sent. However, I couldn't get the confirmation of closing this account. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam a vcitim of identity theft and someone used my information to obtain credit card with XXXX XXXX. I have contacted XXXX XXXX  and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from XXXX, Transunion and XXXX. I have contacted these 3 bureaus and summited my fraud affidavit and police report for removal. The account reports as XXXX XXXX date opened XX/XX/2021 partial account # XXXX as individual and charged off.
Product: Debt collection

About a year ago I acquired a debt with XXXX credit card of XXXX the agreement was XXXX a month, but a month after I suffered a pay cut of 32 hours less a month, I tried over the phone multiple times to change the agreement with no success at all they did not even tried, few months after they closed my account and sent it to collections with True accord and after contacting them over email I explained that if I was not able to pay XXXX a month much less a settlement of XXXX, but no success I still continue to pay through the XXXX website because they do not seem to understand that I cant afford to pay XXXX or XXXX a month