23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have a personal checking account with a small overdraft protection credit line with TD Bank. I've had this account for close to 30 years. It was set up to autopay every month on time and has never been a problem until recently. I recently learned that TD Bank had erroneously reported to the credit bureaus that there was a late payment in XX/XX/ that was more than 30 days late. First, that shouldn't be possible since it autopays each month. Second, that is absolutely false, because I checked the account statement and confirmed that the account WAS, in fact paid every month on time. During, before, and after the time in question, the following payments were made on time and in amounts equal to or exceeding the minimum payment due : {$36.00} on XX/XX/ ; {$35.00} on XX/XX/ ; {$34.00} on XX/XX/ ; {$950.00} on XX/XX/ ( to pay the total balance in full ). 

Clearly, there was some error on TD Bank 's end. Again, the account was set to automatically make the minimum payment on time, and that had not previously been a problem. Moreover, TD 's own records and statements show that the account actually WAS paid on time, so their reports to the credit bureaus were wrong. Please see the attached activity report of my TD Bank account that shows monthly payments have been consistently made and none were missed. 
This has caused me financial hardship. 

TD Bank should make sure that ALL of my credit reports are repaired and that the account is reported as current, good standing, and paid in time with all bureaus ( XXXX, XXXX, XXXX, etc. ). TD Bank should make sure that the account does not have any late payment or other potentially negative information. TD Bank should also credit all fees, late charges, interest, transfer charges, etc. and provide me with some sort of compensation for my wasted time and for recent credit applications being rejected ( their error caused my credit score to drop from over XXXX to XXXX ). I had applied for a credit line increase and a refinance, which were rejected.
Product: Debt collection

Sequium Asset Solution Acc # XXXX trying to collect account is been paid I'll talk to companies representative and they didn't find the account assuming its a mistake XXXX   XXXX stills providing me service Please delete this account out of my credit bureaus
Product: Debt collection

I don't have XXXX XXXX for 9 years They send {$240.00} bill i called them they can not give the answer i went to office i can not get the answers they put in my credit i talk i call i did not get enough answers thanks
Product: Debt collection

I have told them to stop contacting me all communication shoud be thru mail a " cerified letter '' and thee con tinue to call me according to 15 USC 1692 ( d ) DA debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.15 U.S. Code 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;
Product: Mortgage

Vanderbilt Mortgage and Finance INC keeps listing a fee of {$15.00} and refuses to tell me why. Email responses have been vague. They copy and paste the late fee description from the website or deny that my email is associated with my account ( where they send email notifications when my statement is ready ). My payments draft and clear well before being late. Their late fee ( as listed on the monthly statement in the breakdown of fees, in the event that a payment is late ) is listed as {$20.00}, not {$15.00}. But still they ignore my requests for explanation of the charges. While we were trying to recover from the debt that losing our jobs to XXXX XXXX, they emailed and called me almost every day, but now all of a sudden they don't know who I am. I have been current and on time with my payments for months, a month has passed since my last email and I just got another statement with a XXXX {$15.00} charge. The email where they ask for my account information is a response to an email I sent via my online account where I pay my mortgage. They have access to all my information. When I responded directly they changed from calling my by my name ( Primary on the loan, the one who pays every month since the begining of the loan ) and started calling me by the cosigners name. At this point they copied and pasted the late fee statement from their website. But if you look at the statements it is not a late fee, it is a past due balance despite no late payments at all and no other reason for this fee. In some statements it says copy of contract, but I have never requested a copy of any contract, and they did not reference that when I reached out, just copy pasted a late fee text.
Product: Debt collection

Initially  XXXX  forced me into default by delaying the processing of my valid renewal application for income based repayment, which I had qualified for in previous years.   Overnight, my required payment ballooned from {$120.00} to {$800.00}, which I could not afford, as I was still unemployed, having been the victim of a fraudulent school  (   XXXX   XXXX   ).  Once my student loans were in default, I was no longer able to negotiate an affordable payment, nor am I able to consolidate any of my loans or lower the interest rates. As a result, I now have multiple student loans in the amount of over {$100000.00}, which is more than double the amount I originally borrowed, with interest rates ranging from  11 to 6 perce nt.     Recently,  XXXX  notified me after the fact, that they had intercepted my state tax refund, without providing any information about how to recuperate the refund while the debt is being disputed.  XXXX  has kept my loans broken up into at least  XXXX  different loans, each at a different interest rate, and I have no control over which loan the intercepted tax refund will go to pay, which means that  XXXX  can put the intercepted funds to their advantage by applying it to whichever of the loans they prefer, to extend the term and amount of my debt.  XXXX  has also sent letters to me indicating that any failure to reply in writing within 30 days constitutes a waiver of my opportunity to contest their claims, which violates the  The Fair Deb t Collection Practices Act prohibition against construing the failure of a consumer to dispute the validity of a debt as an admission of liability in section  809 c.      For the past few years,  Allied Interstate , Inc. acting as  a debt collection agency for  XXXX , has repeatedly violated my rights under The Fair Debt Collection Practices Act. I have been harassed with daily phone calls from  Allied Interstate Inc.  at all hours in the early morning and late at night which is a violation of section  805 a. 1. I have been contacted by Allied Interstate from the same phone numbers with which Allied Interstate has contacted me legitimately, wher  e the caller refuses to identify themselves and refuses to identify their employer, which is a violation of section 804, part 1. These phone calls have involved the caller illegally communicating to the unidentified person receiving the call that I owe a debt, using my name, which is a violation of section 804, part 2. These phone calls also involve disclosing the existence of my debt with third parties, including my friends and family, a violation of section 805 b. These phone calls have disclosed my personal information to the unidentified recipient of calls, including my full name, my home address, the name of my bank, my date of birth, and the school I attended, which could easily lead to the theft of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex systems have me in their system as having some form of misconduct. I've never bound a check in my life. 

I have tried calling them with no success, they simply won't pick up. I've faxed them, email them and sent a letter US Postal service, they have been totally unresponsive.
Product: Checking or savings account

I've disconnected my phone service. Nothing in my account agreement nor the online agreement requires me to have a phone number to access online services. MidFirst sometimes wants to call a phone number as a sanity check. That's not possible for me anymore. One day my online access will be stopped or I'll get a new computer and won't be able to get it restarted.

I've complained about the online calls, and I've asked 8 times for them to remove my disconnected phone number, and they have the idiocy to tell me that I have to " call. '' Seriously, I don't have a phone anymore, and the request was sent while I was logged in securely. My user ID and password are enough to send a billpay to get money out of the building, but I can't get my disconnected phone number removed. What about when they try to call " me '' with that number, and get someone else. They'll expose that I have an account there after I told them the number is no good. 

I think this is unintentional XXXX discrimination, and it must be corrected. I'm willing to bet that more XXXX and XXXX are less likely to have phones and MidFirst 's  policies won't accommodate alternatives.
Product: Mortgage

In Bank of Americas response of XXXX/XXXX/XXXX submitted to CFPB, they stated that my DTI was at 70.37 %. I asked Bank of America ( BOA ) the breakdown of the how this percentage was arrived at. The representative did not have that information and said they would get it from their underwriter. 

When they called me back a few days later they provided me with the following line items used to calculate DTI : DEBT : {$6200.00} : {$3000.00} Bank of America mortgage based on 15-year loan term for {$400000.00} {$25.00} one XXXX credit card {$31.00} second XXXX credit card {$13.00} XXXX XXXX {$25.00} Bank of America credit card {$370.00} XXXX XXXX {$2600.00} XXXX XXXX  consisting of {$2100.00} mortgage + {$520.00} estimated taxes + {$47.00} Homeowners insurance Total : Current monthly debt as calculated by bank {$6200.00}. 

INCOME : {$8800.00} No line items were provided. 


In the DEBT calculation I asked for an explanation of {$3000.00} and why they had calculated debt based on a 15-year mortgage term instead of a 30y term what I had applied for. They stated it was their mistake and could not provide me with an answer. 

In the DEBT calculation of XXXX XXXX {$2100.00} I explained that the monthly payment is {$1200.00} not {$2100.00}. No satisfactory explanation was provided. 

In the INCOME calculation I informed them that my monthly income was {$13000.00} not what they stated. They said they will have someone else look at it more closely. 

BOA stated they could not now alter any numbers nor use the hitherto submitted figures since more than two months had elapsed since my application. They asked me to apply again. 

Since XXXX XXXX, XXXX I have been trying to apply to refinance with BOAs recommended representative but they have failed to return my calls nor answer my emails. 

EXPLANATION REQUIRED FROM BOA : I fail to understand the logic of risk assumption based on {$3400.00} a month on their loan against the more secure {$1800.00} a month. 

Please explain to me why BOA is accepting a higher current DTI based on my monthly payment of {$3400.00}. 

And also why choose to ignore the dependability of a $ XXXX monthly payment against the same loan.
Product: Debt collection

On XX/XX/XXXX I contacted IQ Data International and spoke with XXXX in reference to this collection and trying to find out what it is from, I am aware of the company but not the charges, I have no bills or detailed statements, etc. that explain this amount or anything to that nature, in turn I offered what funds I have/had available to try and correct this matter, This XXXX has been unhelpful and aggressive telling me to " get a grasp on the reality of the situation and to take it or leave it. When I asked to speak with another person that would be able to handle this matter in a more civil and professional manner she out right refused to transfer me or let me speak to another professional that would be able to refrain from the unprofessional verbiage. 
With this happening once again when I called again today XX/XX/XXXX to try and find out what this charge is from and to try and find a resolution to the matter. 
Again, I was refused to be transferred to another individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is refusing to remove two revolving accounts that have reached their Statute of Limitations. 
XXXX  and XXXX are no longer by law in NYS to proceed with collections regarding these accounts. There is nothing that the consumer is able to do other than file a court document vacating the two accounts from Trans Union. These accounts are no longer legally enforceable. I have checked with my state attorney general and confirmed that the statute of limitations on this type of debt has expired.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received a notification about a new inquiry on my Equifax credit report on XX/XX/2023. 
The inquiry was from XXXX XXXX, XXXX. 
I contacted Equifax by phone to report that I didnt recognize the inquiry and did not apply for this credit. I was told to contact XXXX which I did. I was told by XXXX that they didnt have any records showing where I had applied for credit and they couldnt do anything. 
I called Equifax again and this representative told me to mail them a letter along with a copy of my license requesting the removal. 
After a few months I called Equifax again and that representative told me they would be removing it and would take up to a few weeks. 
I then received a letter from equifax stating that the inquiry investigation was complete and that it had been removed and that they would take measures to make sure it didnt reappear. 
I kept checking my credit report every day for over 2 months and it was never removed. 
I called Equifax again last night and was told that they mustve verified the information and they couldnt remove it. 
I have been calling back and forth between Equifax and XXXX since XX/XX/2023 and every time Im jumping through hoops and on hold for anywhere from 30 minutes to hours. As somebody who is XXXX this is very difficult. 
If this inquiry was truly mine I would be fine but it is not mine. 
I did not apply for credit with XXXX XXXX, XXXX on XX/XX/2023 and I would greatly appreciate any help you can provide. 
Thank you
Product: Mortgage

First, I have XXXX mortgages, a XXXX with XXXX and a XXXX with CitiMortage. In XXXX, I requested a mortgage modification for both mortgages due to a fraudulent appraisal by XXXX XXXX in XXXX. In XXXX, XXXX Mortgage reduced our XXXX mortgage by {$220000.00} due to this over appraisal by XXXX. XXXX XXXX sent us a XXXX form XXXX, Cancellation of Debt in this same amount ( this form is available for review ). In XXXX, I contacted CitiMortgage to request the same percentage amount reduction of our XXXX mortgage for the same reason and never heard a word from CitiMortgage. CitiMortgae did reduce the interest on the loan. However, on XX/XX/XXXX, CitiMortgage wrote a letter outlining their increase in the interest from 1 % to 4.5 % and a payment increase from {$190.00} to {$270.00}. On XXXX XXXX, I sent CitiMortgage, by Certified Mail, a letter outlining that we are both retired and living of social security and a small state employee pension and would be unable to make this increase. I also attached a copy of the XXXX form XXXX, Cancellation of Debt from XXXX XXXX in the amount of {$220000.00} on the XXXX mortgage and requested the same percentage reduction of the CitiMortgage XXXX mortgage, due to XXXX 's over appraisal when the sold CitiMortgage the loan. In that letter, I ask CitiMortgage to please respond to our request within 10 days from the Certified Mail letter dated XXXX XXXX, XXXX. That letter is also available for review at any time, with Certified Mail Receipt. Here 's my complaint ; If XXXX Mortgage consented to reduce their XXXX mortgage by {$220000.00} due to the property being over appraised by XXXX XXXX, then CitiMortgage should be responsible to make the same percentage reduction for their XXXX mortgage. In the XXXX lawsuit against XXXX Mortgage, they were convicted for fraudulent appraisals and lending practices and our over appraised mortgage was sold to CitiMortgage. At XXXX years old and unable to work, we have listed the home to sale twice and real estate agents the home will not sell for the over appraised mortgage amount. Please advise and we look forward to your response. Thanks is advance for your consideration in this matter.
Product: Student loan

I submitted an Income Driven Repayment Plan Application for my federal student loans on XX/XX/XXXX. My loan servicer, FedLoan ( PHEAA ), sent me a letter regarding my application on XX/XX/XXXX stating " We are unable to recalculate your repayment plan using your most recent 1040 Federal tax return. We have already approved your plan using your most recent proof of income documentation. '' I submitted my tax return to recalculate my payments as FedLoan has incorrectly recalculated my monthly payment 2 times already ( once on XX/XX/XXXX and again on XX/XX/XXXX ). My XXXX tax return is the most accurate record of my annual income, as it takes into account all of my finances unlike my paystub.
Product: Debt collection

COMPANY CONTINUE TO DEMAND PAYMENT ON OUTDATED (XXXX)ACCOUNT, NOT MINES AND PAST STATE(GA) STATUE OF LIMITATION OCGA 9-3-24, OCGA 9-3-25 ; (4) YRS ON OPEN END ACCOUNTS, VIOLATED FCBA, FCRA AND FDCPA...NOTE: ID FRAUD AFFIDAVIT WAS FILED WITH FTC# XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Professional Account Services continues to report an account that I have previous disputed and sent police reports as well as identity theft packets. This account was previously removed in 2020 when XXXX XXXX XXXX was the collector o behalf of XXXX XXXX XXXX ( also attached ) however it is being repeatedly bought by new debt collection companies even though it is fraudulent. XXXX has been given this information on several occasions yet they have refused to remove this collection after being sent supporting documents showing that this was a result of fraud. I would like to now only file this dispute against both companies for legal documentation but to also get the support of the federal trade commission to help me resolve this issue.
Product: Debt collection

On XX/XX/2022 I submitted a formal complaint asking for the account in question to be validated via written contract or agreement, to which no response was received to date.
Product: Debt collection

I was using a month to month gym membership at a gym called XXXXXXXX XXXX XXXX at my seasonal home in XXXX XXXX Maryland. Started in XXXX and I called to cancel several times in XXXX through XXXX of XXXX due to Covid. Their voicemail simply just said they were closed due to Covid but I still left several messages saying I was canceling my month to month. They never got back to me and in XXXX I received an email from a company called XXXX XXXX out of XXXXXXXX MD saying that they were open and they started charging my visa. I disputed the charges and finally had to block them and called them to tell the I canceled my month to month with XXXXXXXX XXXX in XXXX but they told me I now have a 2 year contract with them and I can not cancel it. Its now at a collection agency who posted it on my credit report which Ive also disputed. I also called them and told them there is no contract, its not my account and I filed a formal complaint with the State Attorney General of Maryland. This looks like extortion considering I never signed anything with this mysterious company that I never heard of and Im curious how many other people theyre trying to pull this scam with. How are they allowed to attach it to my credit report without any proof of me being legally bound with a contract? I am very involved with my credit and have an exceptional credit history. Please advise. Thank you
Product: Credit reporting or other personal consumer reports

I have identified these items on my credit report that are a result of identity theft. These items are not related to any transactions completed by me. 
The items are as follows : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as well as the Hard Inquiry listed from : XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Product: Credit reporting or other personal consumer reports

Southern Auto Finance Company, XXXX access my credit file without my authorization. Southern Auto Finance Company, XXXX Place a fraudulent hard inquiry on my credit file. I do not do business with Southern Auto Finance Company, XXXX. I have not done business in the past with Southern Auto Finance Company XXXX XXXX. This hard inquiry is fraudulent.
Product: Credit reporting or other personal consumer reports

As a consumer I Am a victim of fraud. I review my credit report and came across unauthorized accounts and information on my credit report from Experian, XXXX, & XXXX. I am submitting a complaint to fix this issue so I can continue with my life. 

I uploaded proof and evidence to support this complaint. Please help
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased 2 pairs of XXXX running shoes representing {$160.00} from XXXX XXXX XXXX XXXX website. PayPal was used as the payment method ( Transaction ID  XXXX XXXX. 

On XX/XX/XXXX, I received one pair shoes and immediately saw that the product was product was counterfeit. Within 24 hours of the receipt, I notified the seller requesting a return for my money back. Despite 2 emails to the seller and a customer service email request at XXXX XXXX XXXX XXXX, there was no response. I then opened a case with PayPal requesting assistance. I entered the case information as directed and reached out to several people to ask about reimbursement for shipping. There was no response despite emails and my attempt to message PayPal via XXXX. I then posed the question when prompted to enter the shipping information. 

Because I posed this question instead of entering the shipping tracking number, PayPal declined my case. I had only received one of two pairs of shoes and therefore wanted to wait until the second pair had arrived. Further, I wanted a response to my question  regarding reimbursement for shipping costs. 

Three weeks ago, In XX/XX/XXXX, I just received teh second pair of shoes. Paypal is still unwilling to help me and stand by their flawed process despite my explanation of the issue. 

I am seeking repayment of my funds by Paypal. The seller never responded and closed the website shortly after my purchase.