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

On XX/XX/2023 my XXXX checking account was compromised with a check that was stolen from my mailbox washed and cashed from my acct. police report filed I contacted bank and blocked acct. 
On this day a scheduled transfer of funds was set up to my Marcus by Goldman Sachs acct. 
Unfortunately it could NOT go through do to the block on my checking acct attached to my Marcus acct. 
2 days later I closed the compromised checking acct and opened a new one. My bank replaced the stolen funds of XXXX XXXX I then transferred to my new acct and CLOSED old checking acct. 
I went to my MARCUS acct to remove old checking and add new one and found out its was locked. I called Marcus and they told me it was closed and no reason given. I tried to explain what happened and they gave me the run around that no one can explain to me why. 
I now have no access to my funds. There is an old checking acct attached that does not exist and there is no way they can transfer my funds back to me! I asked them to reopen so u can transfer funds out of this acct and they would not! I have no access to my funds and they will have to send me a CHECK in order to get my funds out of MARCUS savings and CD. I have read on line that they do this often! This is a terrible business practice and they LEGALLY CAN NOT HOLD MY FUNDS. Please help me. Appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to refinance my loan for a few months now, and recently I was trying with Regions bank which I have a HELOC with. While Regions mortgage pulled my credit for the refinance, my credit report shows an open balance and delinquent of {$880.00} from my HELOC. However I have never used my HELOC since the day I received it. Regions also is aware that I have never used the HELOC yet they say they do not have access to see why it is reporting a balance. This issue not only hindered my refinance with Regions mortgage, but at the same time it hindered my ability to refinance with two other lenders as well because when the other lenders pulled my credit, Regions still shows the {$880.00} balance and delinquent. I have statements to prove that I have never used any funds from my HELOC account. I have called and emailed regions about this and they do nothing to help. I have suffered a loss not only form the upfront cost to do a refinance, but also lost on a low interest rate as the rates jumped up as time passed on. I would like them to compensate me back for my appraisal fee and any other fees that I had to pay. And I would like them to honor my estimate and get me refinanced. I am a parent struggling to keep things going for his family and I am in XXXX need of real assistance. I need to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted DataX to apply a security freeze due to a payday loan application and they refused to do a verbal security freeze and want me to mail in my SS card and Drivers License to process a security freeze.
Product: Debt collection

Account opened on XX/XX/2021 for {$470.00}. I reached out and to XXXX XXXX [ XXXX XXXX  ] about an account opened in my name. I never applied for this credit card. This a fraudulent account. 

In Accordance with fair credit reporting XXXX XXXX  has violated my rights. 

1. 15 U.S. Code 1681 Section 602A States : I have a right to privacy.

2. 15 U.S. Code 1681 Section 602A States : A consumer reporting agency can not furnish a account without written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XX/XX/2023, XXXX, XXXX, XXXXXXXX XXXX  XX/XX/2023
Product: Vehicle loan or lease

Credit acceptance used predatory loan practices and I believe it was due to my race, inexperience, and age at the time of purchase. To start the the loan interest on the contract was not what I told it would be at the time of purchase, I was told that I would have a 13 % interest based on my credit at the time. Once I got the contract the interest rate was much higher at 22.99 %, I couldnt believe what I was seeing. After a week in the vehicle, I tried to return the car to the dealership and was told I couldnt return the car because they couldnt verify my mothers address. She had purchased her vehicle from them as well, they lied. After trying to do voluntary repossession, I learned that I had 60 days to return to return the vehicle but that option was taken from me by the dealership XXXX XXXX XXXX. I have been trying to get the company Credit Acceptance to get the car but they have said multiple reasons why they can not, we dont have the phone number of the company, I provided the phone number ; we need the address, I provided the address ; we might consider getting the vehicle if the company calls us, I asked the tow truck company owner to call them, he did. After jumping through their hoops, I was emailed a payoff request for {$22000.00} on XX/XX/XXXX. The vehicle was repossessed in XXXX of XXXX, I borrowed from my grandmother to get it and the paper on the car said inoperable. Why would you ask for {$22000.00} for a car that you said has no value? I have not received notice of lower payment options or any information about the voluntary repossession. This process has been stressful and horrible since I started it on XX/XX/XXXX. During the COVID 19 pandemic, I was unemployed and told them I could not afford the payments and would have to return the car, they said not to worry they were offering lower payment arrangements and no late fees, this was also a lie. I just want this five year battle to end but they have been sending me in circles for years and it is affecting my life, renting places to live has been made difficult by their credit reporting and the option to try to rebuild and move forward seems like a pipe dream. If this helps one person avoid falling into their traps, I would be grateful. I was XXXX years old at the time and I am XXXX years old now and I wouldnt want anyone to have to deal with this for years to come like me. Be cautious and avoid them at all costs.
Product: Checking or savings account

I previously submitted a complaint on USAA because their ATM did not disburse my money ( {$300.00} ) on XX/XX/ I was in contact with a representative name XXXX up until XXXX trying to find a resolution to get my money back, then the communication stopped I've made multiple calls and no response
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transunion have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the XXXX breach destroy my credit
Product: Debt collection

The company calls and states where they are calling from, they asked my name and i conformed, they then proceeded to ask if i reside in ***** address, which i did not so I said no, I then inquired on behalf of what company they were working for like whose debt are they trying to collect and the refused to divulge this information, just stood quiet, I continued to ask, " who is this debt on behave of? what company is it coming form etc etc and then i got hung up on. Upon calling them back i get a gentle man, i believe his name was XXXX XXXX and he was just as obnoxious and only wanted to get info from me, asking me my name, phone number, dob, and address as well, I provided everything but a current address and he too refused to explain this debt and hung up. This is a trash company obviously and they need to work on their customer service they assume that because they are a debt collector they can treat you how ever and not true.
Product: Mortgage

This complaint is in reference to PHH Mortgage handling of escrow account funds ; including the failure to adhere to the Maryland Code Commercial Law XXXX Interest on escrow accounts as well as the mishandling of Maryland XXXX XXXX XXXX XXXX to PHH ( due to tax credits ) on XX/XX/XXXX. 
XX/XX/XXXX - Annual escrow statement [ Attachment 1 ] Reveal escrow shortage of {$230.00} with a new mortgage payment in XXXX of {$1400.00}. I utilized Option 1 ) Do Nothing and added 12 months of {$19.00} that began in XX/XX/XXXX. Document supported no evidence of adherence to Maryland Code ; interest on escrow account XX/XX/XXXX XXXX disbursed remaining balance of tax assessment - {$1600.00} [ A ] XX/XX/XXXX The taxes paid on XX/XX/XXXX were refunded in its entirety {$1600.00} [ B ] due to MD Maryland XXXX tax credit program. 
XX/XX/XXXX Called XXXX XXXX. to inquire of the refunded escrow dollars and was advised that an additional escrow analysis was required. See OFF-Scheduled Escrow statement dated XX/XX/XXXX. This document also does not include evidence of adherence to the Maryland code. However, a refund was issued to me in the amount of {$1400.00} [ C ]. However this refund was NOT received until XX/XX/XXXX. This was ( XXXX ) days are they received the refund. 
On numerous occasions I have inquired as to my escrow account and why this account was not eligible for the accrued interest along with supporting documented law that suggest this action. See attachments for evidence of previous request along with their response letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information ( name, social security, date of birth, etc ) was part of the data breach by Equifax. They have confirmed that my information was affected. I believe that a company that holds such important documentation for many people should be much more secure in their work.
Product: Credit reporting or other personal consumer reports

I am a contractor to the Federal Government, My Husband, XXXX XXXX is a Mortgage Banker and we use a credit monitoring app to insure there are no issues as we are required to report any issues. There has been no change just increase XXXX XXXX until XX/XX/XXXX when Wells Fargo reported our credit card Closed as of XX/XX/XXXX, which was news to us. All mail received is scanned and I went back to XX/XX/XXXX and there was no letter received from Wells Fargo. This reporting cause nearly a XXXX pt drop to XXXX and XXXX pt drop to myself. 

The delay to report from XX/XX/XXXX to XX/XX/XXXX is of concern, as had it been reported as Mandated I could have addressed this when the closure actually occurred since notice was never received as they claimed they sent out, however ; it was not received. 

I have attached XXXX and my credit report where it shows date of reporting and decrease in credit.
Product: Debt collection

I sent letters to the Collection Agency : ALLIED INTERSTATE LLC over 30 days ago and they still have not replied. The company has sent a letter to the Credit Bureaus alleging verification that I was delinquent with a collection debt that I owed to you! This allegation may be in error. I would like you to send me the PROOF, assuming it exists in accordance with the FDCPA sections 809a & b.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against NET CREDIT for violations of my consumer rights. 

NET CREDIT did not allow me to opt-out before sharing my personally identifiable financial information with third parties, including other financial institutions and consumer reporting agencies. This action violates my federal rights under the Gramm-Leach-Bliley Act ( GLBA ) and New Jersey state laws on consumer privacy and data protection. 

Despite notifying NET CREDIT that I did not consent to the sharing of my information, they claimed they had the right to do so according to their Privacy Policy. This contradicts the GLBA 's intent to protect consumer financial information and uphold the principle of consumer consent.

I requested a complete accounting of my account, including signed documentation detailing who funded it and the true amount owed. NET CREDIT only provided a copy of the Promissory Note, failing to clarify the account 's funding and evidencing multiple violations of the Truth in Lending Act ( TILA ).

Additionally, I informed NET CREDIT in my last two communications that all correspondence should be sent to a specific address. They have continued to send mail to an alternative address, which I consider an invasion of privacy. 

By sharing my financial information without consent, NET CREDIT is committing identity theft, as defined by federal law ( 15 USC 1681a ( q ) ( 3 ) ). Their actions aim to undermine my rights and collect on credit extensions through coercive means. In New Jersey, any contracts designed to commit fraud or exempt parties from their responsibilities are deemed void and unenforceable, aligning with the state 's strong consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct 3 credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX 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/2022
Product: Debt collection

On XX/XX/2022, I went to a clinic to receive a free advertised assessment of the medical treatment offered by the clinic. I was told my condition qualified, and the treatment was not covered by my insurance, XXXX. Prior to scheduling a treatment their " Patient Release and Wavier of Liability Form '' and Consent to Treatment forms were presented to me, as two separate forms. I read them and took issue with the level of total indemnity they require. I was told I would not get any treatment unless I signed both forms. Then I refused to sign either and requested to speak to an administrator. After an hour waiting at the clinic no one came to speak with me, so I left without signing either form. Copies of the intake forms to register in the clinic, I have in my possession, state I was entitled to a full refund since no treatment was rendered. The next day I started receiving notices from a finance company informing me {$6200.00} was financed in my name at twenty-three percent ( 23 % ) interest and awarded to the clinic. I ignored the emails since I had not consented for any treatment at this clinic and did not receive any treatment at this clinic, thinking it was a clerical error and the emails would soon stop. Emails requesting my response to set up payment arrangements followed daily. On XX/XX/2022, I emailed the finance company 's customer service department and informed them not to make payment to the clinic since I did not consent to any treatment and no treatment was rendered and I had contacted the clinic about their emails. The director of the finance company 's Customer Service Department sent me an email acknowledgement indicating understanding of the situation and they would hold off further credit bureau notifications, if I would make interest payment of {$150.00} a month until the issue was resolved. I have not made any such payments and do not intend to ; because I did not consent to any treatment or receive any treatment. On XX/XX/2022, I sent a XXXX  delivered letter to the clinic demanding a refund payment to the finance company and removal of the debt from my name on the major credit bureaus. To date no such action has occurred and my credit rating has plummeted XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my auto loan with XXXX XXXX XXXX in the amount of {$9300.00} on XX/XX/XXXX. I have received my title and lease of lien for the vehicle I paid off from XXXX. This account should be reporting a {$0.00} balance and paid satisfactory. As of today XX/XX/XXXX, 38 days later, my account is still reporting as open with a balance of {$9200.00} on my XXXX and TransUnion credit reports.
Product: Credit card

KeyBank Credit Card My father passed away XX/XX/XXXX. He had a KeyBank credit card with an approximate balance of {$2000.00}. I called KeyBank Customer Service days after his passing and was instructed to bring a death certificate to the local branch where we live in XXXX, NY. On XX/XX/XXXX I received death certificates and brought one to the branch as instructed. The representative said we were all set. I was instructed by my attorney not to pay bills until things from the estate are sold to pay debts. KeyBank has not sent any correspondence addressed to the estate acknowledging his death. They continue to send monthly billing statements addressed to my deceased father with a {$40.00} late fee assessed in XXXX and a {$40.00} late fee in XXXX. After seeing the late charge in XXXX I called Customer Service again. This time I was told they can't do anything until I have a court document stating I can act. On XX/XX/XXXX I received my Letters Testamentary and again as instructed brought a copy to the local branch. I was told there was nothing they could do about the late fees because the account was being sent to Collections ....??? The representative called their back office and submitted some sort of research request that would take time and someone would call me. I received a call from the branch manager the next day, she stated that there was nothing that can be done and the late fees are valid.
Product: Debt collection

I opened a XXXX account on XX/XX/2013 and made XXXX purchase. The first bill was deliberately sent late so that I was required to pay a late fee. I wrote XXXX a letter pointing out that the invoice was sent After the due date paid them the amount of the merchandise and cancelled the card. The company has continued to rack up finance charges and has hired Portfolio Recovery to harass me relentlessly by calling. I made a mistake of writing a check to Portfolio Recovery ( XXXX ) thinking that it was an investment account which made the situation worse and amped up the harassment. The charges are all conquered finance penalties that were wrongly charged from the beginning. 

Thank you for any assistance in this matter. 
XXXX XXXX
Product: Mortgage

This complaint is about the SPS mortgage and is based on the denial of a loan modification without any financial documentation being requested as to the amount of mortgage payment that could be afforded based on the income, as well as the appraisal value as per SPS own appraisal of {$190000.00} for the past two years, and the current mortgage payment of of {$1800.00}, based on the loan amount of {$460000.00}. Instead they approved a repayment plan which is much higher than the current mortgage. 

I was behind on monthly payments and to avoid foreclosure I applied for a loan modification on property.In XX/XX/2016 under the Dodd Frank Home Affordable Program. SPS modified the loan and increased the mortgage new principal with a total of {$460000.00} with a new principal balance. I am having some difficulty in paying the mortgage of {$1800.00}. 

I recently requested a loan modification due to the past due mortgage payments and was instead given a higher payment {$2400.00} of a repayment plan and not a loan modification. 

SPS did not request any employment or financial information in order to qualify for a modification. However, a repayment plan was offered which I rejected, as it increased the monthly payment from {$1800.00} to {$2400.00}. The banks recent appraisal provided the value of the home at {$190000.00} which has been the same for the past three years of SPS appraisal. The mortgage loan for SPS is currently {$460000.00}, proving a significantly under water mortgage. 

I am unable to refinance this mortgage and there is a second mortgage of {$85000.00}. No one will refinance this underwater property. In SPS repayment with the terms, states the investor ( I dont know who it is ) will  not consider a loan modification. I now owe more than the original loan as prior to my modification in XX/XX/2016 and is facing foreclosure. I've tried to keep up with these payments, but is struggling to pay this mortgage on an underwater property with negative equity, that cant be refinanced, or sold due to it being severely under water. 

SPS has their appraisals and is quite aware of the lack of equity in the home and that they will not get more than their appraisal of {$190000.00}, but much less. It needs a roof, as its leaking and now creating moisture and mold throughout the home. 

The house also has a second mortgage of {$85000.00} plus SPS mortgage of {$460000.00} for a total of {$550000.00} with SPS BPO of {$190000.00} and with a shortsale of {$190000.00} has a {$350000.00} negative equity. However, with a roof and mold issue, makes it less than the appraised value of {$190000.00}. The mortgage is unaffordable and the property has a negative value and is underwater.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XX/XX/XXXX bankruptcy entry that was placed on my credit report and I have been trying for over 10 months to get this entry removed. I have spoken with numbers of representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX I called once again to speak with a representative and inquired how Transunion verifies their public records. I want to know this information because the public record keeps coming back as mine. I has 3 representatives that told me that thr request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advises that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. Contacted the court and they advised me that they do not disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Transunion back, spoke with another rep this time an they advised me that the information is verified by the runner who goes to the courthouse. I asked what information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they sen over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify and information with the bureaus. Transunion refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.