23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying for years to get a loan modification on my mortgage with TD Bank. They always claimed that they did not receive my application when I sent it back to them. So I am consistently behind on payments that are hard for me to afford on a fixed income as a retired person. I recently obtained a lawyer to help me try to get a loan modification and try to communicate with TD Bank. Through her fax line and email, I have submitted a loan modification application packet to TD Bank to the fax number and email that they provide. I have submitted this application 6 times : XX/XX/XXXX via email, XX/XX/XXXX via email and fax, XX/XX/XXXX via email and fax, XX/XX/XXXX via email and fax, XX/XX/XXXX via email and fax, and XX/XX/XXXX via fax. I have never received any acknowledgement that the fax or email was received or is being reviewed. The only response I got was once to receive a form letter and a brand new application packet in the mail, with no indication that I had already sent them my income proof, my bank statements and a signed and completed application. I am sending everything to the fax number and email that is provided on their application. I have gotten confirmation that the faxes and emails were successfully delivered. I believe there is a federal regulation that states that if I ask for a modification, TD is supposed to respond within 10 days with further instructions or review. They have clearly ignored this requirement. I feel trapped and totally ignored.
Product: Credit reporting or other personal consumer reports

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit card limit was {$500.00} they told me someone took about {$1500.00} from credit card how is that posiable when the limit is {$500.00} they autherized {$1500.00} when i contacted them they wasn't helpful such as they can't take the complain over the phone has to be summited by mail hours if hon on the phone this credit card company known to give hard time to consumer they don't even take online payment you have to call them and give them checking account with additional payment fee to process the payment. 
i tried everything to resolve this matter but i failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

For some reason this company XXXX XXXX XXXX is on my credit report. Its reporting a loan. I never applied for this loan. I tried to contact this company. No response. When I called their customer service. It goes straight to voice mail. This seems like a scam. Someone got my person information and is getting credit. I have a fraud alert on file. No one called me to tell me someone applied for a loan. I was never notified. This is fraud and identity theft. This needs to come off my credit report. Its reading 30 days pass due, collections, Delinquents. This is not my account. XXXX.2019. This is not my account never Authorize anyone for this company to request a loan. There is not even an inquiry on my credit report from this company. I have no idea how they got my information and how they are reporting like they are.
Product: Mortgage

I would like to file a complaint against Chase Bank. I held a mortgage with Chase and unfortunately due to unforeseen circumstances I had a dramatic loss of income and was unable to make my payments. I approached Chase about a loan modification and began the process. Chase granted me a total of XXXX loan modifications and after a couple years of continuous stress accepted the last XXXX. We met every criteria they had for us regarding each and every modification but at the completion of each threatened foreclosure and the process began again. At the time of the final modification we were over XXXX in arrears. As part of the loan modification agreement Chase stated they would remove ALL late payments from my history and to the credit bureaus. This has not happened and am looking for them to hold good on their promise of removing the lates off my payment history and with the credit bureaus! This should have been done and needs to be done as soon as possible so I can obtain reasonable financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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

These hard inquiries were not authorized and are as a result of identity theft. 
Please delete hard inquiries from credit file. 

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

XXXX atls aspire shows that XXXX has reported this again after it was removed from other bureaus police report was submitted and its past the 30 days they can not put back this disputed I'd theft iteam
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year>, I opened a new account with your bank to take advantage of a promotional bonus offer, which promised a {$300.00} bonus if I received two direct deposits of at least {$500.00} each. 
On XX/XX/year>, I received a direct deposit from my employer. 
On XX/XX/year>, I attempted to use my debit card to purchase money orders for my rent payment. The transaction was not authorized. 

I immediately called the bank and spoke with a representative. They asked me to verify if I had tried to add my debit card to XXXX XXXX, which I had, but entered the CVV code incorrectly multiple times. I admitted to this mistake. The representative then inquired about the amount I was attempting to use for the money orders. After providing this information, they informed me that my account was under review and would be unblocked within 24 hours. During this time, I was unable to access my funds. 

Understanding the urgency of my situation, I expressed my need to access the funds immediately to pay my rent, emphasizing the risk of eviction. The representative appeared indifferent to my predicament. 
The following day, I called the bank multiple times to check the status of my account. It remained blocked. 
During subsequent calls, I was informed that an outbound call would be necessary to verify my identity. Despite my phone being fully functional and capable of receiving all calls, including spam, no such call was ever made. This appears to be a common issue based on similar complaints I have found online. 
Ultimately, I was told that a letter would be sent to me within five days containing a reference number. This process is unacceptable, leaving me without access to my funds, unable to pay bills, or provide for my family. 
The withholding of my funds has put my livelihood in jeopardy. I urgently need my account unblocked to retrieve my funds and close my account. I am highly dissatisfied with the handling of this situation and the lack of urgency and empathy shown by their representatives. 

I request immediate resolution of this issue. Should this matter not be resolved promptly, I will proceed with filing a complaint with the appropriate regulatory bodies and will share my experience publicly to warn others.
Product: Checking or savings account

I went to the XXXX/XXXX branch of Chase Bank in XXXX today ( XX/XX/2018 ) hoping to open an account. I explained that I had just sold my house and was about to move back to Oregon and that my current bank ( XXXX XXXX ) doesn't exist in Oregon, hence I thought it best to get an account in a national bank, because the wire transfer I'm about to receive is quite large ( 6 figures ). I showed my ID, provided proof of address ( home I own ), and my SS number. Suddenly I was asked to provide my residency card, since I had innocently mentioned that I was from XXXX. I don't carry my residency card with me, because it's expensive ( {$450.00} ) and really hard to renew if lost. I even showed my debit card from my other bank as proof that I'm clearly here legally and have been for the past 15 years, but it wasn't enough. No other bank has ever asked me to show my residency card when opening an account. Unless Chase asks for birth certificates from applicants who are citizens, this is a discriminatory practice.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

I opened a checking account with BMO Harris Bank on XX/XX/2023 ending in XXXX with {$100.00} in initial funds. 

I deposited my payroll check of XXXX on XX/XX/2023 after a failed ACH payment via mobile deposit. I received a deposit received and deposit approved message on XX/XX/2023. 

I received a voicemail from an XXXX, supposedly from the fraud department, ( XXXX ( XXXX ) XXXX ) on Friday, XX/XX/2023 at XXXX XXXX Central advising me to call him back in regards to the account. I tried calling back at XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX the same day and it goes straight to voicemail. On XX/XX/2023 I learned my debit card and online banking access had been disabled. I called the number on the card and was advised to wait and call on Monday by the rep so I can talk to the fraud department. Due to one missed phone call, I can not access my account for over 3 days. 

On Monday XX/XX/2023, I left XXXX a voicemail at XXXXXXXX XXXX Central. I also called the XXXX number on the card to see if I can talk to someone in the fraud department. I was on hold for over 45 minutes and when I called the XXXX number and refused to be transferred, I was told they can not contact XXXX. I was told I can go to the branch to close my account. 

I went to the branch located on XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and spoke with XXXX XXXX and was told she can not contact the fraud department and she can not close the account so I can get my paycheck. I asked to submit a formal complaint and after some time was told feedback had been submitted. A copy was not provided to me, therefore I doubt if anything was actually submitted. 

In response I am hoping the CFPB can get a hold of someone at the bank who can resolve the 'fraud ' issue and release my account. I will then likely close my account out of frustration. There is a clear sense of incompetency and red tape that will tie up the consumer out of their hard earned money and I advise consumers to avoid banking with BMO Harris Bank.
Product: Debt collection

I filed Identity Theft on XX/XX/XXXX for noticing after receiving my credit report in XX/XX/XXXX that I have a charge for Hunter Warfield ( XXXX XXXX ) for the amount of {$1900.00} on XXXX. 


I also see a charge from XXXX XXXX XXXX ( XXXX ) on XXXX XXXX for {$1300.00} that I also have no aware of making. 

Thank you I will send credit report on attachment
Product: Debt collection

This debt is relating to a balance owed to XXXX XXXX College in the ammount of XXXX. I contacted XXXX XXXX College on XXXX/XXXX/XXXX in reference to this account and they let me know that it had been placed With S & S RECOVERY , INC . I CONTACTED THEM THE VERY SAME day regarding the account they stated that they did not have any information regarding the account and I had not recieved any letters or communication from them regarding the balance. So here I am trying to get my official college transcript to enroll in school but im getting the run around about my account. Then I recieved a letter from S & S stating that I was previously notified that my account was placed for collections, which i had not been notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft in that I did not receive any benefit, money, goods or services as a result of the events described in this report. I responded to a XXXX ad for temporary work and the employer sent me a payroll check with a letter of instructions. On XX/XX/2017 I deposited the check {$1300.00} in my account. With the help of an employee at the bank {$100.00} of the funds were available immediately. XXXX held the check for XXXX days prior to releasing the funds. XXXX performed the necessary security measures and confirmed the funds were available for withdrawal. On XX/XX/2017 I did what the letter from the scam employer and made a withdraw and sent {$600.00} to another coworker via XXXX XXXX. On XX/XX/2017 the bank recalled the check, closed the account and left it overdrawn {$630.00}. Reported the events to the local Police Department, and the FBI IC3, XXXX, FTC, XXXX, XXXX XXXX and have had no progress and no assistance. The bank XXXX, is reporting inaccurate information to TransUnion. They report the type of account is a Credit Card and my monthly payments are {$630.00} and delinquent. 
This is not true. The account is a checking account, not a credit card. I understand there is NO safeguard for victims of an Employment Scam, check fraud. Why isn't the check writer and his bank responsible for the debt?
Product: Checking or savings account

On XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX we had used our bank PNC to XXXX over a total of {$3000.00} to purchase farm equipment for our nonprofit the XXXX XXXX XXXX The scam started on XXXX with a family that we knew. They were selling items and we purchased, two items for the total price of {$3000.00}. We signed a contract and then XXXX over the money with a pick up date at the address for XX/XX/XXXX. When we went to pick up the items, the owners of the house had no idea what we were talking about. we realize that someone had hacked into their XXXX account and impersonating them. We did not know as we thought we knew them so we XXXX  the money believing that we knew the people. PNC will not reimburse us this money, even though we have heard of other banks that have reimbursed others and similar situations. We can not pay our rent, we are financially in a very tough spot and were hoping that our bank would be able to reimburse this money.
Product: Debt collection

I have information on my credit that I'm not aware I have become a victim of identity theft an they have multiple thing in my name
Product: Mortgage

Ocwen mortgage tried to complete a modification with me for over 1 year. I was told not to make payments, or to make lowered payments for that timeframe. I completed paperwork over and over again, only to have the dates pushed back or them state paperwork was not complete, or still in review. Then, once the modification was completed, my mortgage was sold to XXXX and I started the loan with them " 2 months behind '' which I was not. I can not get either company to resolve the 2 months behind issue and my credit score has dropped to the lowest level. I can not check my account online with XXXX because they wo n't give me the security code to access my own account. I have fought this for 7 months with no resolutions. I paid a XXXX payment last month and still show 2 months behind. Escgrow account has gone negative and with no notice, they took money from my insurance company for my auto insurance. I can receive no help on the phone from either company and need resolution of the initial modification with Ocwen and the subsequent issues with XXXX.
Product: Checking or savings account

I deposited a check for {$8600.00} at a Chase ATM on XX/XX/2019. The check was a reimbursement from my insurer for damage to my home. The deposit was credited to my account and then on XX/XX/2019 the entry was reversed. On XX/XX/XXXX Chase sent a message that the check deposit was rejected. Chase did not provide any steps on what I should do next to receive the funds. 

The check was made out to three individuals : ( 1 ) Me, ( 2 ) a public insurance adjusters, and ( 3 ) the holder of the note on my mortgage. After spending 40 minutes on a call with Chase, they told me that I could not deposit the check because the check had to be endorsed by both me and the public adjuster. But the check was endorsed by me and the public adjuster. It was only after I insisted for 40 minutes that Chase accept the check did the representative check with her supervisor, who pointed out that a third entity -- XXXX XXXX didn't endorse. She said they would send a legal copy of the check which could then be endorsed at a Chase branch. 

Then I asked, " So do I have to take this to XXXX XXXX? '' " No, '' she replied This is a stupid conclusion if you think about it : if XXXX XXXX doesn't have to endorse the check now, why did XXXX XXXX need to endorse it then? 

On the next business day I take the check to a Chase branch. Guess the response : " You have to take this to XXXX XXXX. '' Because of Chase 's delay, my checking account was low and I nearly bounced checks. If I didn't maintain sufficient funds and bounced checks, who do you think is going to be responsible for that? Is Chase going to reimburse me because their misinformation delayed the deposit of the funds that I urgently needed? I bet they wouldn't. 

If I didn't affirmatively reach out to Chase to ask what the next steps would be to deposit the funds, was Chase going to call me and tell me what to do? Doesn't look like it. 

Chase should have to implement a training policy on cashing checks related to insurance claims and communicating with their customers. It's not fair to consumers who need funds immediately to repair their homes that were damaged. Currently my home is missing large sections of its floor, the air is full of dust and I have to live there without being able to move forward with repairs due to Chase 's idleness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over about 60 days ago to this bureau and they are disregarding a regular consumer dispute. I'm stressed and have been sending letters before this and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX account listed on my credit report erroneously. Each bureau reports a different date last active. 

XXXX is reporting acitivity under the payment history while reporting it charged-off and they also report the date last active as current ( XX/XX/XXXX ) which means it's illegally re-aged Transunion reports the the date last active as XX/XX/XXXX. That means the account is illegally re-aged. XXXX reports hte date last active as XX/XX/XXXX. 

if this account has really been verified they would all be reporting the same information and also be reporting the correct way but it's completely not correct and it's violating the FCRA on every level.
Product: Credit reporting or other personal consumer reports

I found below inquiries on my credit report which are not associated with any of my open account, I did not authorized these inquiries to credit report. Hence these inquiries should be removed from my credit report : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX CORELOGIC CREDCO XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDCO ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX CORELOGIC CREDCO LLC ( XXXX XXXXXXXX XXXX  ) XX/XX/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