23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

TD Bank charged me a {$370.00} appraisal fee on my loan number XXXX. TD initially sent me a letter/notice dated from XX/XX/. After several phone contacts and their inability to provide information backing up the appraisal fee, the fee was reversed and confirmed to me by phone by XXXX, a TD Bank Supervisor at the Loan Servicing Department, on XX/XX/ XXXX 
However, a few days later, I received another letter/notice from TD Bank dated from XX/XX/XXXX  ( same day I was told the fee was reversed ) signed by XXXX, XXXX customer experience, finally providing an explanation : the bank was contacted by the XXXX XXXX about my property and decided to order an appraisal.

The bank failed to mention that i ) it never contacted me, the property owner, about the need for the appraisal, ii ) that my HELOC has never been used since its inception, more than 7 years ago ( {$0.00} outstanding ) ; iii ) the XXXX XXXX issue was withdrawn by the plaintiff in the next few days after being submitted because it was based on wrong information. 
Now, TD is trying bill me the {$370.00} appraisal fee to make up for their administrative error of ordering an appraisal.
Product: Checking or savings account

On XX/XX/2019 I discovered online that VIO Bank ( based in Oklahoma ) was offering 2.52 % APY for its high yield online savings account. I did some research and even called its customer service ( XXXX ) to ask a few questions. After my questions were answered, I decided to open a joint savings account, but was instructed by the operator to complete the application online. On the same day, I completed the application for a joint account using personal information. The application also contained some questions for identification after the personal information was entered. I completed all the questions and submitted the application. As a result, I received a message indicating Unfortunately, we can not process your application. I tried reapplying for the account for three times afterwards, but received the same results. My application was rejected. I called the customer service number ( XXXX ) on XX/XX/2019 to inquire about the rejection. The lady operator asked for my SSN. After looking at the application, she mentioned she could not reveal the reason why my application was rejected and instructed me to reapply online at a later time. I asked to speak to a manager but was informed no additional information would be provided by the manager also. I  expressed my concern that VIO bank collected my personal information, failed to explain the reason for rejecting my application, and may possibly divulge it. It wasn't fair for them to hold my personal information without providing any service. I have an excellent credit score, and there wasn't any reason for a rejection. But the operator couldn't provide any further assistance. I reapplied later on XX/XX/2019 for one last time, but was rejected again. I am not satisfied with Vio Bank. They're hoarding my personal information and not providing any resolutions. On their website, I discovered other people also had the same ordeal and voiced their experiences. Neither its website nor its live customer service were useful. VIO Bank needs to be held accountable for their shady business practices. I'm demanding some action be filed against them. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Twice in XX/XX/2021 ( on XX/XX/XXXX AND XX/XX/XXXX ), XXXX  reported my auto loan with GM Financial as being closed. This caused my credit score to drop not once, but TWICE this month. They now corrected the issue, but failed to correct my credit points that dropped as a result of their incorrect reporting. I contacted GM Financial on two occasions and they stated that my auto loan has been reported as open with all 3 credit bureaus monthly and this mistake was not on their end, but on XXXX end. When I called XXXX to get this matter resolved, the rep said " Im so sorry for your trouble. Let me get you the necessary information to remove a hard inquiry ''. I said " Sir, this isn't a hard inquiry. As I stated, this is an open report that is being inaccurately reported as closed! ". I need XXXX to correct their mistake and adjust my credit points that was taken away from me due to their error! This is very unfair as I am working extremely hard on keeping my credit score above XXXX. My score is now a XXXX! I'm attaching each days of the discrepancy to show how they removed and added on two occasions causing my score to drop on multiple occasions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ocwen is TERRIBLE!!! My previous complaint # XXXX regarding my XXXX mortgage was FINALLY taken care of, but NOW I have a new problem with them and my XXXX Mortgage!!! I get my XXXX XXXX statement for my XXXX mortgage in the mail yesterday, which shows my previous balance of {$12000.00} of which I made a PAYMENT of {$180.00}, which would bring my NEW balance to {$12000.00}!!! But instead of CREDITING my account ... .Ocwen ADDED the {$180.00} payment and now my NEW BALANCE is {$12000.00}????!!!! Only Ocwen would ADD a credit to a balance and not DEDUCT it from the balance!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I have continued to try to have Equifax delete the inaccurate information that the companies are reporting. This has to be the fourth round of letters and some of the information remains unchanged. Charge offs are listed as open and carrying balances. Collection agencies are listed as open and I never had verification of the debts that are appearing.
Product: Credit card

On XX/XX/2022 my Apple Card was charge {$620.00}, the merchant who charged me was XXXX, I tried contacting XXXX with no success then I proceeded to contact Apple Card Goldman Sachs and dispute the amount since I think I got my identity and/or my credit card stolen. I told the bank the problem then the dispute transaction was initiated, the dispute was resolved in my favor then I tried again and I told them all the details again and since then I have constantly dispute the charge and still have not resolved in my favor is been almost XXXX years disputing the charge.
Product: Credit card or prepaid card

I called Discover to get a debt settled, the statue of limitation had already passed for this debt so I was not obligated to pay this debt per Discover because they can't sue me for the debt. I called Discover because I received a 1099C for debt forgiveness which I had to file with my XXXX  taxes for the year ending XXXX. I called Discover to ask them about credit reporting and was told that debt will reflect charged off until it has fallen off. I then asked why if they had forgiven the debt and reported this as a loss for their tax year, why is it still reported as charged off with a balance. I told that if I needed to have my credit report updated I would need to pay on the account. I offered to pay {$300.00} and they refused and countered at {$1000.00}. I went as far and told them I would settled the acct for {$500.00} just so I can have my credit report updated as settled, they refused my offer and told me lowest they could settle for was {$970.00} at {$100.00} per month. I then called them back and asked them why they are refusing to take what I offered as a settlement if I am not obligated to pay due to statue of limitations. I also asked them if they were going to revise the 1099c form that they sent me for {$3200.00} being that they are telling me I have to pay {$970.00} to get my debt settled and have my credit updated. This is unfair debt collections practice because how is Discover refusing what I can settle for even though I got a 1099c for the debt and had to pay taxes on it and they wont update my credit report reflecting that debt was forgiven.
Product: Debt collection

Reference XXXX Investigation Account # XXXX : This alleged debt to XXXX dating back to 2009 has been passed around among collection agencies. Their technique has been to send XXXX letter and when I do n't respond, they report it to the credit bureau. This latest is about the fourth or fifth attempt by different companies. Each time, their report has resulted in a reduction of my XXXX score, which is what alerted me to a problem. After resolution of this last complaint, my XXXX score went from XXXX to XXXX. This is a racket that needs to be stopped.
Product: Checking or savings account

I am trying to link my account and it is not letting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to which is reported erroneously. I am in desperate need of these items to be INSPECTED and blocked. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Checking or savings account

I have banked with Wells Fargo for approximately XXXX. During the course of time I've experienced fraud in my account on numerous occasion. I reached out to the bank making them aware of the fraud, unexplained errors e.g. ( errors stated I sent funds to someone I hadn't ), charges from unknown vendors, double charges from purchases. it was through these means that funds were syphoned out of my account over the course of years. Complaints filed were mishandled, and ignored by bank employees. I was told that the situation would be investigated only to have nothing done in the end.I received a lump sum from life insurance proceeds, which was meant for my family to survive on. I have a XXXX XXXX  which makes working a regular job difficult. When my husband passed away these funds were meant to assist my family with daily living expenses. The theft of these funds have theft of these funds has disadvantaged my family greatly. My Wells Fargo Bank account records does not reflect accurately the amount of funds deposited into the account. Wells Fargo have refused assist with this situation for some time now. Approximately XX/XX/2021 I spoke with someone in corporate who denoted the theft and hung up the phone on me. I would like a thorough investigation concerning the whereabouts of funds missing from my account. 

XXXX XXXX
Product: Credit card or prepaid card

Incomplete Documentation. I had XXXX loans on XXXX different XXXX. The XXXX payment was {$330.00} on XX/XX/2020. Also they show {$1100.00} was applied to the principal on XXXX XXXXXXXX XXXX the XXXX which does not show it has applied. Need all payments dating back to XXXX on both the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on SYNCB/CARE CREDIT XXXX Balance {$10000.00}. Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately.
Product: Credit reporting

To Credit dispute department : XX/XX/XXXX - Contacted Chase Services about account {$8300.00}, was informed that they would be sending me a XXXX form for balance on account. 
XX/XX/XXXX taxes, filed XXXX XXXX, XXXX {$8300.00} Reported as income from form XXXX from Chase Card Services, included as income reported for the year, and paid taxes for same. 
XX/XX/XXXX - Attempting to qualify for a mortgage, contacted Chase services again, to request that the amount of {$8300.00} be removed from my credit file, after having received XXXX and reported amount as income XX/XX/XXXX. 
XX/XX/XXXX - Am told by Chase Services that the only way the amount will be removed from credit report is if {$8300.00} is paid to them to XXXX the balance on the account. Have spoken with various entities at Chase, provided the XXXX form they sent me, but they refuse to XXXX the balance on my credit report. Can anything be done? '' XXXX has XXXX out the balance but XXXX and XXXX has not changed it. I have the XXXX form if needed provide me with fax or email to copy and send. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have written letters ( first one dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX and recently on XXXX XX/XX/year> XXXX XXXX XXXX XXXX to help remove a late payment reported on my credit report in XX/XX/year> regarding my Loan Number : XXXX. 

I have previously contacted XXXX XXXX XXXX XXXX via phone, email, and written correspondence to explain and provide documentation regarding a medical condition that resulted in a single 30-day late payment in XX/XX/year>. This situation coincided with the servicing transfer of my loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unfortunately, the transfer did not include the correct contact details, despite my reliance on auto-payment and notification features to ensure timely payments. 

In XX/XX/year>, despite having autopay configured, I missed a payment due to my health issues. I was only made aware of this oversight on XX/XX/year>, when I received a notification about a significant drop in my credit score. I immediately rectified the missed payment and sought assistance to address the late payment mark with all three credit bureaus. However, my repeated efforts since XX/XX/year> to communicate with XXXX XXXX XXXX XXXX have thus far resulted only in acknowledgments of receipt, without any substantive response or resolution. 

The agents who have answered my calls have been unable to effectuate any changes due to limitations in their authority. It appears that these agents lack the means to escalate issues to their supervisors or the appropriate decision-makers within their credit department. Given the urgent nature of my situationrequiring a loan for essential repairs to my home, which is severely affected by mold and termite damageI respectfully request your offices help in this matter. 

Your assistance in facilitating communication with XXXX XXXX XXXX XXXX and resolving this matter would be greatly appreciated. 

Thank you for your understanding and cooperation in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I contacted Credit Acceptance on several occasions to voluntarily surrender a vehicle they are financing for me and I was told it would be picked up 3 days later I receive a call from the company saying they will not be picking up the vehicle and their reasoning didn't make sense at all.I have been having issues with the vehicle since I got it in XXXX XXXX kept asking how much was the car and the payments and I didn't find any of those answers out until after signing the paperwork that they was charging me over {$31000.00} on a XXXX  XXXX XXXXCredit Acceptance is a complete rip off that preys on consumers who Credit isn't the best
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, American Education Services ( AES ) reported to the credit reporting agencies that I am a joint owner and have joint contractual liability for five student loan accounts. AES has misrepresented the ownership of these student loans accounts on my credit reports. The accounts were open by a sole owner on the following dates with the original loan amounts : XX/XX/XXXX {$26000.00} ; XX/XX/XXXX {$5300.00} ; XX/XX/XXXX {$20000.00} ; XX/XX/XXXX {$10000.00} ; and XX/XX/XXXX {$10000.00}. I did not agree with AES to borrow money from their financial institution for student loans. I agreed to cosign the loans but I did not sign as a joint owner or joint borrower. The legal status of these titles make a tremoundous difference. I co-signed for the sole account holder and owner of the accounts who borrowed the money. At some date, which I am not sure, AES changed Responsibility to Joint Account impling that I borrowed these funds. This change impacted my credit report with adverse transactions and more importantly causing my credit score to decrease by 45 points or more. I discovered this drastic decline when I checked my XXXX XXXX XXXX account for my free FICO score. 
In legal terms a joint account or co-borrower is an account with two or more individuals borrowing funds or property and the joint owners agreeing to repay in accordance with the terms for payments. In legal terms a co-signer is responsible to pay if and when the borrower/owner fails to pay but has not borrowed the funds and has not agreed to pay on the terms that the owner agreed. Over the course of the repayment, I have complied with the co-signer terms and paid when the borrower/owner was unable to repay the monthly loan amounts. However, this action does not make me a joint owner. AES continual seeks to undermine my credit standing and score, calling and stating that they will report nonpayment should I not pay. They call me even before they check with the borrower for payment or arrangements for payment. AES ' action is a violation of my consumer rights, reporting me as an owner when I am not.
Product: Credit reporting or other personal consumer reports

Nelnet keeps reporting to the 3 credit bureaus that I have open accounts with them that all have balances on them. This is incorrect. All of my accounts with Nelent were transferred/consolidated/paid off by XXXX in XXXX. I disputed these accounts with the XXXX on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All of the disputes came back with results saying that Nelnet reviewed the account and they are all correct. My debt to income ratio is suffering drastically because my credit shows 10 Nelnet loans that shouldn't be there. When I spoke with Nelnet after each dispute the representatives tell me they can not legally remove them from my credit report and it can take years for it to show that it's been closed. This is incorrect because my XXXX accounts were also transferred to XXXX and they are already showing closed with a {$0.00} balance.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulations E. These action have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX XXXX- XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Mortgage

I have been trying to get a payoff balance to pay the balance on loan XXXX with Planet Home Lending , LLC off of XXXX, Florida since XX/XX/XXXX. Original request was dated XXXX XXXX and amended 4 times at Planet Home Lending 's request. The last amendment was on XXXX XXXX. I literally wrote : " To whom it may concern : I am requesting the payoff balance of loan # XXXX linked to the property located at XXXX XXXX XXXX XXXX XXXX XXXX , XXXX. There is a buyer interested and we need this payoff balance to finalize the transaction as soon as posible to take advantage of a tax amnesty in XXXX XXXX. 
The payoff balance can be sent to XXXX. 
Thanks. 
Signed by XXXX XXXX XXXX, whose name is erroneously written as XXXX XXXX XXXX in bank documents but not in the documents evidencing title, such as the Mortgage Deed nor in the XXXX XXXX XXXX XXXX, and whose signature is the same today as it was in the Note dated XXXX and as it appears in my driver 's license sent to you earlier. '' I am being harmed and I am suffering damages by the institution 's unreasonable refusal to give me a payoff balance to pay alleging I am not the person they are trying to collect the debt from even though I have established my identity and signature.
Product: Credit reporting or other personal consumer reports

remove all accounts that dont belong to me immediately under The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system