23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

TD Bank is the holder of my second and third mortgages since XXXX. I have tried to deal with this bank in the past, several times, over the last past three years for a similar matter, and a year ago had reported this to the CFPB. Since my last complaint, I have had a major change in circumstance. When I last applied to this bank for a mortgage modification, we were struggling to pay these mortgages and had been for a few years. Since then we went back to paying for over a year and a half as we had no choice, the bank was taking serious steps towards foreclosure. However, this past XXXX, I lost my long time job, thrusting my family into a serious decline in income. I appealed to this bank again, only about two months ago, filling out a hardship application for both loans. It took a while but I received a letter from the bank for each loan, stating that according to them, we can afford to make these payments. No other explanation was given. That was all the reply I was to expect? No further investigation into our financials? I experienced frustration beyond belief. Who are they to tell us we can afford it? What are they even looking at or considering? Just one submitted proof of income? I fail to understand. We lost a XXXX steady part time income in our household and I am now off of unemployment as well after six months. We lost an good supplemental income that allowed us to pay our major monthly debts and obligations and had enough after to put food on our table, pay medical expenses and our other pressing obligations. Now we are struggling to pay simple things like our phone and gas bill and to put food on our table. If one of our cars should break down we would n't even be able to pay for a repair at this point. I find it hard to believe that a major bank like this has no program to lower interest rates on mortgages. We are paying very high interest rates on both of these loans making them absolutely unaffordable. We are at the point that if I dont ' find employment very soon we may have to go back to not making the payments by XXXX and ruin our credit which is fairly good at this point. It is also very unlikely that I will be able to obtain the type of employment which can support these loans as I due to health concerns can not work full time. We are besides ourselves with this bank. they are simply impossible to deal with and known to be a " very difficult bank '' in the debt relief industry. Futhermore, I have health issues and may be filing for XXXX next month. If awarded XXXX, I will have a very modest income at best for the rest of my life if I do n't return to work but not an income which can support payments such as this. It 's either pay the full payments or lose our house? There are no other options. Let me state, that the only modification that this bank offered me in the past and I had no choice but to accept, was to bring me current or give us a " recast '' which is the same thing. I am current right now only barely and not for long. A recast is not lowering interest rates as everyone knows and should never be considered a form of modification.
Product: Credit reporting or other personal consumer reports

Hello, I have recently discovered that I have been the victim of Identity theft in which such person [ s ] used my credit multiple times over the years. It wasnt very much money at first, thats probably why it was never noticed, but here recently I been trying to purchase a home so I started looking at my credit report more closely. 

In XX/XX/XXXX I discovered that the following Accounts have been opened Fraudulently : XXXX XXXX XXXX {$9600.00} Acct # XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  {$1200.00} Acct # XXXX Opened XX/XX/XXXX XXXX {$0.00} Acct # XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$2400.00} Acct # XXXX Opened XX/XX/XXXX These are the XXXX Accounts that are referenced on the Fraud report that has been attached with Equifax!
Product: Checking or savings account

When a third partys error has caused my account to go negative, Prosperity Bank resists disputing the charges, then the bank refuses to refund any negative balance fees that were not due to bank error ( instead, they ask YOU, the customer, to do the legwork and call and argue with the company/request that the company refund negative balance fees ). After escalating the issue, they have now agreed to refund two of the four. But that is not good enough. If its not my error, its not my responsibility to pay the fees. This has now happened twice in two months. I have also been told to take responsibility for actions that are not even mine ( fraudulent charges ). Customer service is deplorable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$4700.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I have dealt with NavientXXXX for the last 6 years and have always had so many issues. Not only have I been harassed with phone calls on payments, my family has been harassed as well. I have also never been advised to seek XXXXhouse income based programs for any of my student loans ( private, education or federal ) and have always been told that I can only apply for their programs, most of which I can not afford the payments based on my income. I understand there is a current investigation on this loan provider and I ca n't seem to find information on how to get involved with this investigation to see if I have been overcharged or scammed. Any information on this would be very helpful and much appreciated.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX always has payment website down when trying to make payment. When I call to make a payment I am told that they charge a fee to collect payment over the phone. 
This company requires an additional {$1000.00} to be held in escrow at all times to make sure the escrow is not short. Without providing explanation as to why
Product: Checking or savings account

Some time ago, I received a letter from City National Bank indicating that they had {$2600.00} of my money that I should request be sent to me. I made the request that the funds be sent to me and received nothing. The CA State Controller recently sent a letter indicating that if I did not respond by XX/XX/24 the funds would be sent to the State of CA. I sent an additional email and letter to City National bank and I would like my funds sent to me immediately.
Product: Checking or savings account

I opened the Bread savings account with {$100.00}. All I did was try to link my XXXX account so I could transfer funds. 

Next thing I know, the account was restricted. I sent in everything they requested, but they still would not unlock my account. I made MANY requests. 

I finally told them, in very simple tetms, that I want to close the account and get my very much needed {$100.00} back. No one will do this for me. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Equifax is in violation of 15-USC-1681 b ( a ) 2 which states a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. 
I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. I demand that Equifax remove these inaccuracies off my consumer report. They are hurting my consumer report .Keeping me from extending my credit. If they are not removed. I will not extend my credit to anyone or allow Equifax to furnish a report for me. Persuit to 15-usc- 1681 ( a ) 1 states that the Banking system is dependent upon fair and accurate consumer reports. 

XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX JPMCB/CARD XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Account # XXXX Notice to agent is notice to principal notice to principal is notice to agent { JPMCB # XXXX } I sent in a dispute to your company regarding some inaccurate and incomplete information that is being furnished on my consumer report at { XXXX, XXXX, XXXX } You received my dispute letter on { XX/XX/XXXX } by certified mail tracking number # { XXXX XXXX XXXX XXXX XXXX XXXX } It has been well over 30 days and you have not responded. This information by law must be deleted. 
15 USC 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true. Id. at 1303. If the furnisher does not already have such evidence, it must seek out and obtain it before reporting that the information is verified. Id. at 1303 ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
You not responding to my dispute within the 30 day period allotted by law proves you can not validate or verify this account. 
Delete this account { JPMCB # XXXX } from my consumer reports. 

XXXX XXXX _________________________________ Without Recourse UCC 1-308 Tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to Experian, informing them that my account contains unauthorized and incorrect information. Despite exceeding their response time limit, I have yet to receive any information addressing my concerns. 

These are the accounts at which I am stating. 

Account : XXXX XXXX XXXX  XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX I have no knowledge of these accounts, and have stated that in letters several time. Ive yet to get a response or resolution for these issues.
Product: Vehicle loan or lease

On XX/XX/XXXX I XXXX XXXX XXXX I was starting a new job on XXXX XXXX XXXX, I fell behind on payments due to XXXX mechanic issues I payed out of my pocket. On XX/XX/XXXX I made a payment of XXXX. XX/XX/XXXX a XXXX payment and XX/XX/XXXX XXXX payment all while being in communication that I will pay off the balance of XXXX as soon as possible I start a new job on XX/XX/XXXX and my first paycheck is the XXXX Also for the record I had not missed a payment prior to XXXX when XXXX XXXX XXXX XXXX. They have threatened to repossess my vehicle tomorrow XX/XX/XXXX and there's nothing I can do about it. Even though I was willing to pay XXXX today XX/XX/XXXX .And my remaining balance Wednesday XX/XX/XXXX XXXX am very upset because I have children and have to get to and from my work, it's been over XXXX dollars of payments I calculated it!! that have just went towards APR interest!!!! Unacceptable!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single hardworking mother to XXXX kids trying to buy a safe home for us to live to get out of the shelter. I realized that I had damages on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report as a result this is major defamation to my character. I have disputed all fraudulent accounts and inquiries with all 3 credit bureaus dispute center. Nothing is being done. I am in dire need to get these items removed to be able to secure a safe home for me and my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I was speaking to an agent in regards to disputing a couple items on my credit report the agent showed me how to view and read my report online I then discovered up to XXXX inquiries that I have no recollection of Never even heard of most of the companies
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. ( XXXX XXXX XXXX ) ( XXXX ) ( XXXX XXXX  ) ( XXXX XXXX  ) ( XXXX XXXX XXXX )
Product: Debt collection

I am receiving calls from Total Visa at XXXX XXXX XXXX weekends nights holidays even on a Saturday night demanding money but my bank refused to pay them last XXXX. He never made a demand for money but just calls. I do not know what he is talking about. 
He says Total Visa told him to call me at XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, New York XXXX but I am on XXXX which is exempt from lawsuit and garnishment but he says that is only the law and he does not have to obey it. 

He issued nothing in writing just threatening abusive phone calls.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX, XXXX, Experian for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX, XXXX, and Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation for Account XXXX This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX, XXXX, and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX, and Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I already paid the amount by check XXXX weeks ago and they still dont resolved my issue, I paid XXXX to XXXX XXXX they didnt send any notice to XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX {$37.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Equifax is allowing an inaccurate reporting on the  XXXX  account in my credit file. The balance on this account is {$3400.00}. This account was charged off. This account also was cancelled/forgiven by sending the IRS and myself a  XXXX  in  XXXX  with an identifiable event code G, the decision or policy to discontinue collection. Equifax allowing  XXXX  to verify this balance on my report is a form of "  Collection  ''. After cancelling/forgiving this debt the balance should be then updated to {$0.00}. This is a failure to timely update the credit report required under FCR A 623 ( a ) ( 2 ).  Included a have a formal copy of my    XXXX   XXXX   from   XXXX  with all supporting info that this debt was cancelled/ forgiven/ extinguished. Also included is a copy of my drivers license and social security card for identity verification. This was last disputed with Equifax on  XXXX / XXXX / XXXX  via case number  XXXX .
Product: Debt collection

On XX/XX/year>, I received XXXX text messages with attachments and links between XXXX XXXX and XXXX XXXX from H & R Accounts , Inc . 

This was the first notification I had of this debt being in collections. 

I made them aware I was disputing the debit and that their number of messages in the short time span was harassment.
Product: Bank account or service

Wells Fargo bank is reordering payments to increase amount of overdraft fees they can charge. I wrote a check for XXXX to pay for the rent and deposit on a new place that was written on XXXX/XXXX/15 but was n't deposited until XXXX. I had XXXX payments that cleared before the overdraft hit my account that processed on XXXX and XXXX. Wells Fargo reordered the checks so the check was processed before the payments increasing my over draft fees from XXXX to XXXX plus the amounts of the payments they had already processed.
Product: Prepaid card

Pandemic hit and bank of America had the edd payments, my card had gotten compromised and I had XXXX XXXX of dollars of charges I had not made, I have called and called for well over the time the dispute process takes and as of today is a pending payment over 2 years old
Product: Credit reporting or other personal consumer reports

I have no knowledge of these hard inquiries. The hard inquiries are result of identity theft and must be removed no later than four business days as per 15 U.S Code and 1681 c -2.
Product: Credit reporting or other personal consumer reports

It has come to my attention that both XXXX XXXX XXXX and XXXX XXXX XXXX are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed.
Product: Debt collection

Went to view my credit and saw this collection on my credit report. I asked for a correspondence via mail showing any debt owed to this company and over 3 months in I have yet to receive anything. Called and was told it does not matter it will just affect me negatively on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries from the following companies were not authorized by me and or anyone representing. 

Companies : XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX