23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied in XX/XX/year> and received a preliminary acceptance. Unfortunately I had difficulty with XXXXXXXX XXXX  that required XXXX XXXX and missed the first deadline. I resubmitted in XXXX but ran into a roadblock concerning assessment of my land. Per the information they sent if they were not satisfied they would arrange an assessment at my expense which they never set up. After numerous phone calls were not returned except as email with same instructions I finally spoke to someone at the company who informed me I had again timed out the day before and would have to start again. Since it was not 90 days from my second submission I felt they were not cooperating with me and submitted a request to another company. That company told the seller that they Had not received the request and anyway this lender wouldnt generally grant it for anyone over XXXX. At that point I was stymied since I am XXXX and my spouse is XXXX. She works and I am on a XXXX pension. Our manufactured home was ready for delivery this XXXX  and the builder was available. We have 10 acres of land that we own outright. During this time our county has added regulations that will cost us another {$12000.00}.
Product: Mortgage

On XX/XX/2023 I caught the mistake Loancare XXXX XXXX made. They purchased a XXXX XXXX on my behalf even though I provided them my current insurance policy through my HOA. They disregarded this information and purchased a XXXX policy insurance on my behalf and they took XXXX from my escrow account. It took over XXXX XXXX  for me to get a refund. 
Now that I received the funds and I want to make payment, their system is down. My state property taxes are due and my escrow account is in the negative. I have contacted consumer protection attorneys over this matter and I was told to file a report. Furthermore, I can't make my monthly mortgage payment either, which I am afraid can hurt my XXXX XXXX and my cause additional late penalties on my property. This is completely outrageous and illegal.
Product: Checking or savings account

Multiple deposits have been made to my checking account from a Merchant with the description of CA DIR ACH. I have tried for well over a year to get the correct information for these deposits that have been made over a span of multiple years ranging amounts from {$100.00} to over {$6000.00} and are deposited sporadically. When we have spoken on the phone with their call center they give us the Merchant information and contact and it is INCORRECT. They said it was California Direct Access Program, XXXX XXXX XXXX and the said it has nothing to do with them. When we go into the office they say it is XXXX and said to complete an outreach form. I did that with no response. I found their number and they said they do not make any deposits to any accounts from their office. BofA just keeps giving us the wrong information and said they have limited information on the Merchant. They have to know their Merchants and how to contact them but will not assist in getting the answers. 

Can you please assist me in getting BofA to give me the detailed information on these deposits that are over {$26000.00} over the years. 

Merchant ID on the report shows XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report on experian, I see they are reporting inaccurate information about me on my report. There is a collection report by XXXX XXXX. this alleged account listed as collection with a past due balance reporting. This is a violation of the FCRA and is is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations. Experian results from my last disputes came back as updated. Which is a violation because the continue to report inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX, XXXX ( XXXX creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXnder Dispute XXXX XXXXUnder Dispute XXXX XXXX  XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX   # XXXXUnder DisputXXXX XXXX XXXX XXXX IDispute XXXX   XXXX XXXXUnder Dispute all were filed to ftc
Product: Debt collection

XXXX claims I owe an amount however this amount due is the sole responsibility of the shipper in this instance, not me. 

Debt was sent to TSI TRANSWORLD SYSTEMS to collect.
Product: Money transfer, virtual currency, or money service

On XXXX I made a money transfer using PayPal to XXXX XXXX of {$1000.00}. I entered his name and the amount ; the transfer was completed. Upon reviewing the details I found that my money had been sent to a XXXX XXXX using an email I had not supplied to PayPal. I was told I could not cancel the transaction because it has been sent as a gift, not a payment ; I could not have a refund because the transaction had been completed. As PayPal suggested I filed a request the next day at my bank since I used a XXXX debit card linked to my checking account to have the money refunded. The bank refused since they had not authorized the transaction. I sent an email to XXXX XXXX asking for the money to be returned buy got no response. At PayPal 's suggestion I filed a complaint with the FBI 's Cyber Crime Unit but have had no response. My money was sent to the wrong person. I learned after the fact that XXXX XXXX does not have a PayPal account so could not have received the money ; why therefore did PayPal complete the transaction to someone I had not designated as the recipient? The PayPal transaction number for this transfer is : XXXX. I have talked with numerous PayPal customer care representatives but get no where with resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be the 3rd attempt to stop Experian from reporting ten closed accounts for the US Department of EducationXXXX and ten closed accounts XXXXDept of Education on my credit report XXXX These accounts have been closed since XX/XX/2020 and XX/XX/2020, respectively. They do not show as open accounts on XXXX and XXXX which I also explained to them on the forms and in a letter. The impact of having this information displayed on my account as open has kept me from being able to rent/lease a place to live because my credit score is too low ( XXXX ) and it shows reason code : 11 - The total of your delinquent or derogatory account balances is too high. We currently live in a hotel. 
Secondly, I have asked more than 3 times for a duplicate account from XXXX XXXX XXXX XXXX XXXX XXXX to be removed from my credit report. The company charged me twice for the same day of service and the bill was paid in full by my insurance company. They never send any documentation to my email address, they only tell me " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account #. Where is the proof? I have even written XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and neither of them have emailed any verification documents or proof either. 
The information contained on one credit reports should be exact or at least similar in content and Experian is always different and the worst when it comes to depicting someone's owed or owned debt. I am disputing these items every 3 months, if necessary, until they remove it or until I contact the Office of the Attorney General. I don't want to live in a hotel forever but until they remove the closed accounts for US Department of Education and XXXXDept . of Ed, and the duplicate account for XXXX XXXX XXXX, we will continue to live here because my credit score will never be high enough to rent or lease a place outside of here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the 3 signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed accounts that I am not liable for the debt and do not have contract with these credit agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a loan with servicing company, Loan Care ( account # XXXX ). I previously put a request for a credit dispute of a late payment that was reported to the credit agencies. Since XXXX XXXX, 2015, I received a letter stating that my loan is " current and that the late payments were to be removed for XXXX and XXXX 2015 '' on my credit report. I am requesting for another letter to have my wife 's name on it as well ( as she is on my mortgage account too ) ; also requesting to have LoanCare notify the credit reporting agencies that my wife 's credit account is " Current and to remove the late payments reported in XXXX and XXXX 2015 ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 I had my card stolen, and some charges were made. When I contacted XXXX XXXX XXXX to alert them of the charges they told me NOT TO MAKE A PAYMENT since I had a XXXX balance on my card before the fraudulent charges. XXXX XXXX XXXX proceeded to report the card as having been 30, 60, and 90 days past due in XXXX, XXXX and XXXX of 2017. 

In XXXX of 2017 I contacted XXXX XXXX XXXX after the disputed charges had been settle. I asked them to take the incorrect past due reports off my credit file. They agreed that they were mistakenly report and that they would take them off. However, they did not. 

Again in XXXX of 2017 I contacted XXXX XXXXXXXX XXXX for a final time asking them to delete the reports from my credit file. They agreed that they would. Again, they have not.
Product: Student loan

My original student loan in XX/XX/XXXX was {$35000.00}. Over the years I made payments and also had my taxes garnished but the total just kept getting higher. In XX/XX/XXXX I got a call from XXXX XXXX of XXXX XXXX Ext. XXXX. She told me that I since I was a single mother and that my loan was so old, I was eligible to reduce the interest rate of 9 % and to have all the penalties and interest removed after I made 5 payment in a row. XXXX XXXX at XXXX # XXXX XXXX walked me through all the paperwork and told me not to worry about all the legal speak and that before I knew it this would all be behind me. My loan is now at {$130000.00} still at 9 % and I just got an email that if I don't sign a new document my payment will be {$1600.00} per month and a everything will capitalize on top of the old amounts. When I called to ask what was going on the customer service person told me that I should be careful of what I sign. She told me to call my senator or contact the department of education. That I should pay {$5.00} a month. Meanwhile, I am devastated and don't know how to even begin to tackle this debt. I feel I was defrauded by XXXX/ Navient and I met others where the exact situation took place. I feel so foolish.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a dispute letter via certified mail to XXXX, Transunion and XXXX asking to have all Billing Errors removed under 15 U.S Code 1666b and 15 U.S code 1681b. These errors are currently causing me hardship.

The companies are as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX and I am submitting this complaint on my own behalf, and there is no third party involved. I am requesting that the recent denial of extension of my own credit via Chase Bank be approved & remedy be provided, as this is my own credit that Chase Bank is extending back to me- not the other way around. 

Pursuant to 12 U.S. Code 1431 : " Each Federal Home Loan Bank shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. '' So we can clearly see from this that Banks are not even allowed to " extend credit '', yet are making fraudulent claims that they are the creditor and have the power to approve/deny a natural person credit.

This is outright fraudulent and is discrimination against me as a Federally Protected Consumer. It is my God-Given right to access as many open ended credit plans as I desire ( 15 U.S. Code 1602 ( g ) ), and it is unlawful discrimination for Chase Bank to refuse to extend my credit back to me ( the original creditor ) for simply exercising my rights- pursuant to 15 U.S. Code 1691 ( a ) ( 3 ).

I would like to inform you that in case your corporation continues to make fraudulent claims in regards to my reputation, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any future refusal or denial to extend me my own credit is made by your corporation, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property Lastly, I would like to further inform you that if any action is taken during or after the investigation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.
Product: Checking or savings account

On XX/XX/2017 At XXXX XXXX capital one blocked me from accessing my account via the XXXX  mobile app
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer asked for the XXXX XXXX XXXX to verify the information that they claim is accurate by providing proof of evidence ; documentation from the creditor claiming that I owe an alleged debt. The XXXX XXXX XXXX has failed to send me proof of documentation as required by the Fair Credit Reporting act. Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) which comprehensibly states that the only permissible purpose of consumer reports by any consumer reporting agency XXXX furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer who it relates. I, the consumer gave written instructions as to what I wanted removed from my report due to fraud, inaccurate information and violations of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one credit froze the account based on bogus allegations. I have been using the same 2 accounts for over 8 months to pay them before a bill even generates. I've never paid a minimum balance and have always paid in full. they refuse to accept legitimate documents supporting sole ownership of the accounts with no one ever being on the account but me since opening it they refuse to accept original signature card it's almost like they are forcing me to accept allegations with legitimate proof, and it is now affecting my credit score and reputation as well as my future business with other companies which is defamation. please close the account and warn others of their faulty practices. this is a terrible business practice and it's abusive to people that have done everything they were supposed to do. PLEASE FORCE CLOSE OF MY ACCOUNT TO PROTECT MY CREDIT REPUTATION AND PEACE AND RETURN MY DEPOSIT. I do not wish to continue to do business with an abusive company that violates civil rights to make money off others.
Product: Checking or savings account

I had a previous debt with bank of America, I paid debt which was over a year or so ago. I have a letter stating debt was paid, but I'm still getting denied by XXXX which I would like to open a new account. I have called on a few occations but they keep saying they will look into it! I paid the debt so it shouldn't be no issue removing me from the XXXX!
Product: Vehicle loan or lease

On XXXX, 2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Debt collection

Dynamic Recovery Solutions is the latest in a series of companies who 've apparently " bought '' very Action Card accounts. I 've told them repeatedly I 've not had an Action card since XX/XX/XXXX, which I paid off both ; I 've noted there was nothing about Action Card in my credit records when I bought a house in XX/XX/XXXX ; I 've demanded they send some sort of proof that I owe them anything, which they have not done ; I 've asked them to stop the daily calls at all times of the day, at home and work. Dynamic Recovery Solutions is the current company hassling me - their latest " offer '' says the " current owner '' of the alleged debt is XXXX. I want these people stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized hard inquiry from a company named " XXXX XXXX '' on my Equifax credit report from XX/XX/2018. I called the telecommunication company XXXX and their credit department insisted that they did not make the inquiry. Equifax declined to provide any contact information of this company and refused to remove this inquiry from my credit report.
Product: Credit reporting

My husband and I are very perplexed as to how Transunion continues to report the collection as verified with no changes each time it is disputed as fraudulent and no record of address for us at XXXX XXXX with the information they received from fidelity creditors and the fact the both XXXX and XXXX have deleted the fraudulent collection from our credit reports with them! We would like Transunion to explain this and how they verified anything and did due diligence in researching and validating anything regarding this case as it obvious Transunion did not do so and is thus libel and will be prosecuted.
Product: Student loan

I have a XXXX XXXX account that handles all of my student loans. 

I had financial hardship was forced to put my account in forbearance. 

The most recent time was in XX/XX/XXXX and I had made payments in XX/XX/XXXXand XX/XX/XXXX - however in XX/XX/XXXX, after the forbearance period ended and I made immediate payments, XXXX still dinged my credit report which dropped my credit score drastically ( near 100 points ) - My account is in good standing - last time I talked to a XXXX rep I was told that I just had to dispute it. 

Please help. I know I had been behind on some payments in the past and these are student loans to a degree a never got. Im still in my late 20 ' and finally learning about credit, I am finally making a better income and just want to get my financial life on track.
Product: Checking or savings account

I had a commercial / business account with TD bank at XXXX XXXX XXXX, XXXX, NY XXXX for almost 10 years. I had a break in at my office in XX/XX/2018 and had to change the account details to avoid fraud. I was not made aware at the time, but this change meant my account was subject to new regulations Today, XX/XX/XXXX, I discovered my account was closed and close to {$12000.00} was " missing ''. I thought it was fraud and went to a local branch. Instead, I was told that I had not filled out a form that was required and so TD bank closed the account. They seemed unsure where my money was! 

The more I dug into this, the more I determined that TD Bank had not acted responsibly and it was their fault. 

The new form that I was required to fill out existed when I opened this account. The new form began XX/XX/2018 and I opened the account XX/XX/2018. They could have asked me to fill out the form the same day, but failed to do so This is per a supervisor named XXXX. XXXX also said the person who opened the account for me left a week after they opened my account and the local branch had a lot of problems because they had not done their job. To which I pointed out that a TD employee failing to do their job had nothing to do with me and I should not be penalized They had FIVE MONTHS to ask me to fill out this form. They could not explain why five months went by without asking me fill out the form but suddenly my account was closed due to it not being filled out? 

They stated that XXXX XXXX had contacted me regarding this form. I let them know the following First, XXXX XXXX had called me on a Tuesday. She did NOT state the nature of the matter, just left a message. I called back, she was " on the other line '' and I asked the person who answered to have her call me back The call was not returned the same day. It was returned on a Friday. XXXX XXXX did not indicate it was an urgent manner. She in fact stated she could mail me the form, but I said she could send it by email. She sent it on a Friday afternoon. 

Having left the office due to a family emergency, I did not receive the email until Monday morning. It was followed by a call from XXXX XXXX. I told her ( 1 ) that I had received it, ( 2 ) that I was dealing with a family situation and was about to get it done and ( 3 ) that as soon as possible I would fill it out By my guesstimation, they closed the account within an hour of that conversation Bank managers at XXXX XXXX have thus far not returned my calls. XXXX tried to walk back what he had told me ; 1. That their employee failed to have me fill out the form when the account was opened 2. That they had not in a timely manner reached out to me to get the form signed and 3. That despite the supposed urgent nature of this form, why XXXX XXXX waited FOUR DAYS to return my call. 

I can not pay my rent, I can not pay my employee, I have no idea where my money is and finally they have the nerve to charge me an overdraft fee when a regularly scheduled item came in