23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent dozens of hours and many months trying to resolve a very simple inaccuracy on my Equifax credit report. Today I got an email saying that my dispute had been resolved. I clicked the link to go to their website, but every time I enter the information to verify my identity, I am told that it does n't match their records. ( I 'm 100 % sure that the information is correct. It 's very basic information, just name, ssn, date of birth, and current address How could that not match their records? ) So, I decided to call them. After remaining on hold for about 10 minutes, my call was disconnected. 

I have been around and around this same process literally dozens of times in the last year. I refuse to sit on the phone yet again, waiting to talk to someone only to have my call disconnected again. 

Consumers like myself are at the complete mercy of big companies like this and their lack of reasonable customer service causes major life-changing upheaval such as not being able to qualify for a mortgage to purchase a home. 

Please help me get this resolved!
Product: Mortgage

I bought my first home on XXXX XXXX with Newrez mortgage, this company is owned by Shellpoint Partners LLC. On XXXX XXXX Newrez withdrew from the escrow account {$6000.00} to pay the first quarter of my property taxes. From XXXX until XXXX my mortgage payment was {$2000.00}, of which {$800.00} went to the escrow account to pay for taxes and insurance. As of XX/XX/XXXX, the balance on the escrow account was approximately {$3200.00}. On XX/XX/XXXX {$6000.00} were withdrawn from my escrow account leaving my account negative - {$4300.00}. My quarterly property taxes are {$1700.00}. My problem is that when I call the city of XXXX, they said that they havent received my tax payment yet and they were also surprised about the amount. The mortgage company gives me a different story every time I call, they have no proof they can provide me for the payment because the payment was made electronic and the city of XXXX can not help me until I get the proof. This problem has caused my monthly mortgage payment to increase by almost {$840.00}.
Product: Mortgage

TD Bank is alleged to engage in misleading conduct vis -- vis the bank regulator. The initial paragraph of the communication dated XX/XX/2023, purports that the bank possesses the discretionary authority to close accounts, among other prerogatives, as articulated in the provision entitled " XXXXr Right to Refuse/Close Accounts. '' This provision states, " The Bank reserves the right to refuse to open any Account and to terminate any Account at any time, and for any reason, or no reason without notice to you ( unless notice is required under applicable law ). '' However, it is contended that this provision pertains exclusively to the banking relationship. The undersigned expresses a reluctance to perpetuate said banking relationship should the bank exhibit a disinterest in facilitating business transactions.

The focal issue pertains to the mortgage and loan agreements, constituting a contractual nexus between TD Bank, the lender, and the undersigned, the borrower. The undersigned avers continued adherence to the stipulated obligations within the loan agreement, remitting timely payments as required. Notwithstanding, it is alleged that the lender is engaging in discriminatory practices by impeding online mortgage payments, ostensibly motivated by the unfavorable status of the banking relationship.

It is underscored that the loan agreement executed by the undersigned does not confer upon TD Bank the unilateral authority to modify the terms of the loan, a standard feature in XXXX XXXX XXXX XXXX XXXX loan agreements. The undersigned asserts a lack of proper channels for communication with the lender, encountering redirection to the demarketing department when attempting to engage with the loan servicing department. The perceived discriminatory treatment is vehemently contested, as the undersigned claims innocence of any wrongdoing.

Furthermore, the undersigned contends an inability to receive correspondence through mail, highlighting a deficiency in the delivery method, specifically citing the absence of proof of delivery in the case of prior statements dispatched via regular first-class mail. The undersigned disputes having consented to exclusive notice delivery through first-class mail. The lender 's representations at the loan agreement 's inception purported that online payment and viewing facilities would be accessible.

In light of the alleged inadequate servicing of loans and efforts to position the loan in default, the undersigned respectfully implores the Consumer Financial Protection Bureau  ( CFPB ) to intervene. The request is for the CFPB to compel TD Bank to transfer the loan to an alternative servicer, premised on the asserted animus towards the undersigned as a customer, deemed to contravene the Fair Housing Act.
Product: Debt collection

XXXX XX/XX/XXXX I contacted XXXX XXXX XXXX  of my financial hardship and couldn't afford the payments any more I did make an agreement to pay but in XXXX of XXXX I couldn't afford the payments again due to substantial loss of income in XXXX their attorneys filed a small claim lawsuit. On XX/XX/XXXX, I was supposed to call in to the court system which I did. according to the courts I was not on their list to call in, so I ended up making a deal with their attorneys Turke and Strauss in XXXX, Wi which did not follow any federal and state collection laws. These attorneys also know I filed bankruptcy and still refuse to follow any laws on XXXX I received a letter stating that I have a court date for this debt. Mind you that this is after the fact I never seen or talked to a judge on this issue not to mention they had a judge sign off on a judgement to garnish my check which never heard my side of this situation. Like I said Turke and Strauss are not following collection laws
Product: Student loan

I have been paying on this loan for about 10 years. And every month I receive late fees of totally random amounts. From {$130.00} to over {$360.00} I receive a late fee every month. This month the late fee is {$270.00}. I have called a hundred times and talked to many people and some say that I haven't been charged that late fee and some say its accurate. But here is why I feel they are lying to me. Early on I tried working with Wells Fargo, I changed my due date with them. Then they told me I was paying my loan too early and the the amount I was paying was tacking on to the previous month and not the current month. Frustrated I asked them to pick the date to avoid this problem, so they did. They picked a date that would not penalize me for being late ( When I never was ) or for paying too early. The late fees keep coming. Here 's the best part, My payment is automatically deducted every month from my bank account. There is no problem with me forgetting because I don't have to remember! Its automatic!! Still I receive late fees from them. I have asked Wells Fargo many time if they can explain why I am getting these charges and most of the time they can't tell my why. They also raise my monthly exponentially, currently my payment is {$670.00} and it started around {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute against the company XXXX for a collection for {$240.00} was started XX/XX/XXXX. The  company reported to the bureaus to delete the collection from my reports XX/XX/XXXX. XXXX was updated showing as deleted. Originally filed a complaint with the BBB after 50 days from the original dispute, they stated that Equifax has 0-90 days to delete the collection from my reports. Making XX/XX/XXXX 90 days. My XXXX XXXX was updated this morning, showing that collection has not been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX indicated loan was on deferment, then reinstated it without telling our son. As a co-borrower, XXXX payments were listed as late and this has effected credit rating. When my son found out the loan was reinstated, he tried to pay, but their electronic system was down, and they issued another late payment on our credit report.
Product: Checking or savings account

XXXX {$1500.00} on XX/XX/year>. Made XXXX transactions XXXX for the amount of {$65.00} from XXXX and the other for the amount of {$400.00} which was an XXXX to XXXX. However on XX/XX/XXXX recieved call from Chase about the balance of $ XXXX. At first didnt realize they was talking about my Chase XXXX however I later discover its was my Chase which should have a balance on {$1000.00}. XXXX Chase to explain I didnt make any of the charges to the account they told me they were going to file a XXXX on the charges made. Check account following day the balance is now $ XXXX and was informed I will be responsible to pay account off and my XXXX was close I was so confuse that they would do this to a consumer that is a XXXX of XXXX
Product: Credit reporting or other personal consumer reports

CONSUMER HAS BASIC MEMBERSHIP WITH EQUIFAX VIA MYEQUIFAX.COM, MEMBERSHIP PROMISSED ABILITY TO SEE ADD AND OR REMOVE SECURITY FREEZEZ, FRAUD ALERTS AND XXXX XXXX ALERTS VIA THE WEBSITE. IT ALSO PROMISES OPTION TO SUBMIT DISPUTES. CONSUMER HAS NOT BEEN ABLE TO SEE THEIR FREEZE AND ALERT STATUS VIA THE WEBSITE FOR THE LAST XXXX YEARS. EQUIFAX STATES THIS IS BECAUSE OF A " GLITCH '' IN THE SYSTEM AND SUGGEST CONSUMER SEND IDENITITY VERIFICATION DOCUMENTS IN THE MAIL. CONSUMER HAS CONTINUOSLY SENT THE REQUESTED INFORMATION INCLUDING GOVNERMENT ISSUED IDS AND COPY OF SSN CARD. CONSUMER HAS NO PERMANENT RESIDENCE AT THIS TIME SO ROOF OF RESIDENCE/ UTILITES ARE NOT AVAILABLE. GOVERNMENT ISSUED ID AND COPY OF SSN CARD IS SUFFICE. EQUIFAX HAS FAILED TO RESPOND AND UPDATE/FIX CONSUMER 'S MYEQUIFAX ACCOUNT ALONG WITH UPDATING THE CREDIT FILE DISCLOSURE BECAUSE CONSUMER HAS SUBMITTED REQUEST AND DISPUTE VIA MAIL AND MYEQUIFAX.COM.
Product: Money transfer, virtual currency, or money service

Square, a subsidiary of Block , Inc, has seized control of my personal funds and is refusing to release them in compliance with 15 U.S.C. 1693.

I have been using the Square platform to handle business transactions for my small business, and Square has taken it upon themselves to deactivate my business, refuse to allow me to refund my customers, and deny me the money that was paid to me by my customers, as well as having made threats to remove funds from my personal bank account if they decide to do so, with no recourse. 

Attempts to contact them have been rejected, and they have claimed that they have the legal right to do whatever they want with my personal funds. and that neither I nor my customer have the right to access the money that is legally mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE erroneous inquiries reporting to my file
Product: Money transfer, virtual currency, or money service

I added XXXX to my Cash App, run by XXXX XXXX  and Square Cash App. 
After Adding the XXXX I unlocked my card to use it for spending like I usually do. 
Upon making the purchase the merchant said he received an odd error code that never happened before. I went back to the app and did this 5 times. The App declined the purchase 5 times. I had been using the app frequently throughout the entire month and this never occurred. They were not only trying to block my transaction but did it intentionally. I uploaded the funds 10 minutes prior to swiping the card online while on the phone with the merchant. They denied me my purchase and never fixed the app even after reporting it 5 times by email and by contact on the app. I deleted the app and then downloaded it 2 times and it still did not work. They intentionally blocked my purchase. If you look at the image attached while on the app, it shows I added XXXX then immediately after they declined my purchase repeatedly.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify TransUnion regarding the presence of inaccurate and unverified information on the consumer report of XXXX XXXX XXXX, identified by Report Number : XXXX. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ) and are causing significant harm to her financial standing and personal reputation.
Product: Student loan

XXXX XXXX : I reached out to you & filed a complaint with the obudsman group for the following : When my loan switched servicers I was in the process of consolidation and was on forbearance. The consolidation completed but somehow in the switch it marked my loans before consolidation over XXXX days late, I have called in several times & sent letters because this negatively affects my credit score and was told they can not find where this is being reported though it is on all XXXX credit bureaus and i have sent copies to you. I have given up and accepted my lower score as a result of fedloans error. 
XXXX XXXX : I also called in over a year ago because I could n't afford my payment and I wanted to be put on a payment plan that counted towards forgiveness because I work for a non profit. I have been making sacrifices and paying the amount. 
XXXX XXXX : Recently, in my yearly statement the documentation showed that none of my payments counted toward forgiveness. I contacted fed loan and advised of the issue. I also advised I was facing undue hardship because of my XXXX a month payment. 
XXXX XXXX-Without my authorization/consent my XXXX XXXX payment of XXXX was deferred and now my XXXX XXXX payment was changed to XXXX and no one called/advised me. If I am having trouble paying XXXX How can I pay XXXX? XXXX is negatively impacting my credit and without legal authority from me, deferred & changed my payment. I can not afford this payment need these issues escalated and corrected ASAP.
Product: Mortgage

I 'm trying to keep my existing home and I am currently requesting a home loan modification from Bank Of America. The house is currently worth about {$120000.00} less than what I paid for it back in XXXX. My wife and I went through a financial hardship from XXXX thru XXXX, lost of employment and a dramatic decrease in income. After having a forensic loan audit review done on my original loan documents, the findings were alarming, to say the least. To start, the income stated on the application was falsified, location of closing was also incorrect, there 's to much innacurate information to include on this complaint. I currently have been employed for the last XXXX + years in the same job industry, they keep denying my loan modification claiming, I do n't qualify based on the guidelines of their existing modification programs. I should have never been approved to buy this house to begin with, but because of the falsified information included on the original loan application, THAT WAS NOT PROVIDED BY ME, they were able to approve my loan. This also has caused unwanted stress, ruined my credit history, damage to my reputation, and uncertanty to my family. All I want is for the loan to be adjusted to current market value so I can continue making my payments. I almost forgot to mention that they refuse to accept my monthly payment. My current income is more than enough to qualify for this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the attached records, on XX/XX/2018, Zwicker and Associates PC, placed an inquiry on my credit report. Then on XX/XX/2018, Zwicker and Associates, a debt collector, filed a collections lawsuit against me, in violation of the Fair Credit Reporting Acts.
Product: Prepaid card

I received a {$100.00} American Express gift card at work in XX/XX/2023. I got the receipt and everything from where it was purchased and have attempted to use it various times in several different places. For amounts much smaller than what is on the gift card. American Express advertises that it can be used virtually anywhere they accept AmEx but I am unable to make any sort of purchase - online or in person. When I go online to check the balance it will not let me log in to see it and keeps asking for XXXX verification over and over again. However my numbers match - I can not check my balance. I tried to call American Express and the wait time was long - I never received an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I.Q. Data International attempted to fraudulently collect a debt of XXXX. Not only did they attempt to collect, but they also caused damage of my GOOD NAME by reporting false signatures and fraudulent information to XXXX, XXXX, and XXXX XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violating Consumer laws 15 U.S. CODE 1692 ( d ) & amp ; ( e ), 15 U.S. CODE 1681 ( b ) & amp ; ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorial misconduct ; revoke my signature for all unauthorized usage. I have my own dividends to shield and will strongly do so.
Product: Credit reporting

There are tax lien 's on my report. I have always paid ALL my taxes on everything. Was never notified by anyone that there was an issue until I looked at this report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the information listed on my account. Specifically, the address associated with a XXXX XXXX is incorrect. The current address on file does not accurately reflect my true residence, which is XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. This inaccuracy violates the provisions outlined in Section 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ).

As per Section 1681e ( b ), consumer reporting agencies are required to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The inclusion of an incorrect address on my account clearly indicates a failure to comply with this mandate, resulting in a breach of my rights under the FCRA.

Due to this violation, I respectfully request that the this account be removed or deleted from your records to prevent any further inaccuracies or issues.

Please confirm in writing that the necessary corrections have been made and that the erroneous information has been removed from my account.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Charge-Off Dispute Dear XXXX I am writing to formally dispute the charge-off listed on my credit report under account number ALLI Financial Acct # XXXX. Upon reviewing my credit report, I have found inaccurate or incomplete information regarding this account, and I am requesting a thorough investigation into this matter under the Fair Credit Reporting Act ( FCRA ). 

The details of the dispute are as follows : Creditor Name : Ally Financial Account Number : XXXX Reason for Dispute : Section 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers ( creditors ) from reporting inaccurate information and requires them to correct or delete inaccurate information. 

FCRA Section 604 ( 15 U.S.C. 1681b ) outlines permissible purposes for accessing credit reports, which do not include direct reporting of a consumers income. 
Creditors are not allowed to report income and I have asked for the company to send mea1099 so that I can file with IRS. This account is not accurate and is has many errors. 

As required by the FCRA, I request that you provide written confirmation of your findings and update my credit report to reflect accurate information. If you are unable to verify the accuracy of the charge-off, I request that it be removed from my credit file entirely. 

Please acknowledge receipt of this letter within XXXX  days and provide a resolution as soon as possible. If you need additional information or documents to resolve this dispute, you may contact me at XXXX XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 XXXX Equifax and XXXX delayed by months to update score causing my score to be under there not reporting accurately or timely. Fico score not updating causing a financial hardship in my financial status please help in this situation thanks Also a car that was paid in Full in XX/XX/2020 is coming up as a charge off by XXXX financial i called and they will not remove they say its accurate charge off is incomplete collections vehicle was paid in full. During Covid 2 Companies went out of business closing XXXX  XXXX closing there credit cards although paid in full causing it to reflect on my credit even through hardship paid. I was not at fault they dissolve company it should not reflect on me XXXX XXXX not allowing any late pays or hardships to be over looked charged everything i paid and reported negative on my score XXXX XXXX offering credit card upgrade not explain its a new card and hit in there store on line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting at XXXX these accounts have violated my rights 15 U.SC 1681 section 6028 states I have the right to privacy 15 U.S.C 6081 section 604 a it also states of consumer report agency can not furnish an account without my written instructions Accounts that need to be rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Thank you once again for the concern
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft, which constantly entered my credit, and I see that they have put some accounts in my credit that do not belong to me. I want them to be removed because the information is incorrect. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls Capital One is reporting a late on XX/XX/21. Due to Covid and the unforseen events surround this entire pandemic my life has been super hectic. I have been really financially and mentally impacted by this pandemic. This has just been such a let down as a long time customer during such a hard time you would not show any leniency. This current situation with Kohls has been so detrimental to my former great credit I had going and my plans to buy a home. I would like to ask, to the honest errors that Kohl 's would be willing to forgive and remove this late payment reporting as a courtesy and goodwill adjustment with a promise to pay all payments on time in the future. I am a loyal and long-time Kohl 's Customer.
Product: Checking or savings account

On multiple occasions I have received overdraft fees when it shows the money available in my account. This would happen when I transferred in from XXXX XXXX and when anyone tried to send money to me. They also do it after I make a purchase. It shows the money still being in my account. I have been charged on multiple occasions.This has happened in my personal and business account. My business account was closed because of it.