23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced a mortgage loan ( Loan No. XXXX ) with Ditech Financial llc in XXXX 2016. I made my correct monthly payment of {$670.00} on XXXX XXXX, 2016. This payment reflected my previous payment of {$310.00} to cover an escrow shortage as requested in Ditech Escrow Account Disclosure Statement dated XXXX/XXXX/2016. As part of the refinancing process, I received an email from XXXX XXXX at the Originations Operations, located in XXXX, CA, instructing me to submit {$26.00} for an escrow adjustment. I sent that payment on XXXX XXXX, 2016. Ditech for some reason applied {$19.00} of this amount as a late fee. I contacted Ditech ( XXXX in South Dakota ) who said she would correct this transaction. I also notified XXXX XXXX and informed her of this error. XXXX replied to me in an email dated XXXX XXXX, 2016 ( XXXX ) : " For your information, you do not have late fees on your account and {$26.00} was not applied towards late fees, it was applied to your XXXX mortgage payment ... and were applied towards escrow account ''. After this correspondence I also contacted XXXX ( XXXX XXXX, MO ), XXXX ( South Dakota ), and XXXX ( XXXX XXXX, MO ) regarding getting this error corrected. All replied that they would involve their supervisors in correcting this error. I was also advised to contact Ditech via email to further emphasize the need for action. Today ( XXXX XXXX, 2016 ) a letter from Ditech explaining that my payment of {$26.00} was considered " late '' and therefore a late fee of {$19.00} was properly assessed. 

So after all these months Ditech is still unable to correctly understand the issue, nor are they able to correct the inappropriately applied funds. I am frustrated that Ditech personnel appear to be unable to make corrections in their system. Each person I have spoken to agrees that the funds were misapplied, but it appears the customer service reps are located in remote areas and have little or no contact with the main organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a Victim Of Identity Theft. My Identity was stolen, I did not Authorize these Fraudulent Accounts
Product: Debt collection

I was diagnosed with XXXX and my health was quickly deteriorating so, unfortunately, I could no longer work. Around XX/XX/2014, I reached out to a church for assistance with paying my rent which they agreed to pay for half. I made my payment and the church mailed their payment in. According to the office manager, whom I may add, did not like me, they did not receive payment. I reached out to the church and was told the check had been cashed. I received an eviction notice and had to move out. I then asked them to give me a document showing the payments they received for my apartment and they did. I noticed they did receive payment and applied the payment to the account the same day they filed an eviction. I reported this to all 3 credit bureaus and 2 of them  removed the debt. However, Experian refuses to do so. I have spoken to many supervisors and submitted the proof showing payment was received and applied to the account but they refuse to remove it. They told me to contact the collections agency that has my account so I did. I asked for verifiable proof showing the eviction was filed before they received and applied the payment but they don't have any documentation showing that. They have no knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Consumer solutions Is still negatively reporting XXXX XXXX And XXXX XXXX on my credit Report. These two Account need to be removed from transunion Credit report immediately I have sent numerous letters They never provide me the original contract, Credit disclosure, balance history, Credit insurance
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) XXXX XXXX XXXX  1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to Investigate disputed questionable inquiries that have been disputed online and by mail. Equifax simply sends a notice stating the inquiries are a factual record of my credit report.Equifax states contact the creditor if the inquiry is unauthoruzed. The credit bureaus have a duty to investigate any inaccurate reported information. Equifax is intentionally ignoring the law by failing to dispute the inquiries, failing to provide proof of any credit applications verifying my social security number, date of birth, and my signature, no verification of method of verification or name of the person whom they verified the inquiry is accurate or verified. Equifax is simply refusing to abide by FCRA law.
Product: Credit card

I have contacted the Bank of America XXXX XXXX agent XX/XX/XXXXXXXX many times but did not get any replies nor am I able to reach him by the number he gave me
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried reconcile with the credit bureaus but no one wants to help me out. I have hard inquiries on my account that I do not recognize at all. I am currently still not looking to apply for anything so I dont understand why are they there. Ive gave them evidence stating I did not give these companies to check my credit at all. 
Inquires are : XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have been going around in circles with eqifax with not being able to log into my account. Keep being told theres a problem with system and try in 24 hours well, that started 2 weeks ago. Call back, wait in hold, pass security checks to get the SAME CANNED RESPONSES. 

eqifax is reporting WRONG information, I can not dispute online, I can not log into eqifax and customer service does nothing. 

I need real action, eqifax is reporting scores much lower than the other two, and I cant fix it because I cant get past try to religious in 24 hours.
Product: Prepaid card

Hi my name is XXXX XXXX XXXX XXXX short term Back in XXXX someone took about XXXX dollars out of my north carolina bank of america prepaid account. Im a victim of identity theft and was impacted the hardest in XXXX and was XXXX XXXX XXXX XXXX. It has caused me to be homeless and a hardship with my babies.im a single father. I filed the 3 claims with bank of america prepaid. 2 of em in XXXX and XXXX in XXXX. Ive been going through this for 2 years .claim numbers are XXXX i gave them everything they needed to prove i didnt authorize anyone to do this to me.i took the steps to get this right and they kept denying me! I was telling them to check cameras.i never gave someone authorization to use my social. I was begging them at a point before i got evicted. In XX/XX/XXXX my mother had paid rent and deposit for me and my babies due to my XXXX XXXX XXXX I had a incident that happened in XXXX due to a XXXX XXXX And i feel like if i can get this handled i can catch this evition notice so i wont be homeless. I dont wan na be homless with my babies anymore thats why this has been a priority to get this handled. I provided Them MY- FTC IDENTITY THEFT REPORT -POLICE REPORT -FINANCIAL HARSHIP STATING HOMELESS AND -MORE DOCUMENTS PROVING I WASNT THE ONE AND VICTIM OF IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

According to experian this account was charged off with inaccurate dates reporting. Since then the date, High Balance, Last Verified, Date of Last Activity, Date Opened, Last Payment, and Credit Limit has been inconsistently updated. On XXXX the date last active is ( XX/XX/year> ), on Transunion it's ( XX/XX/year> ), on XXXX the date last active is ( XX/XX/year> ). If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Data Reporter Name : XXXX XXXXXXXX Account Name Number : XXXX
Product: Credit card or prepaid card

At approximately XX/XX/2018 XXXX an online purchase was made from my account in the amount of XXXX to XXXX, XXXX XXXX, IL. I Immediately called the company ( approx. six hours after the charge was made ) to cancel my card. Told them there was a fraudulent charge and I'd like to dispute it. They told me to call back in 5 days. I called back in 5 days, 3x that day couldn't get through twice ( was effectively hung up on ) The third try yielded " I'm sorry our systems are down ''. The following evening I finally spoke to a supervisor after countless hours of trying to who asked me a litany of questions regarding my card. They then stated I could wait until they mail me the paperwork or I could fax my own dispute in writing, which I did in triplicate within the hour. Couldn't get a hold of the company for another two days. When I did they told me they had received the fax and everything appears to be in order and the investigation was ongoing. This was 12 days ago when this all started. I have not been able to contact anyone further at the company that can tell me anything and they have not provisionally credited my account, money which they know that I need.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX 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 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.

TransUnion 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: Money transfer, virtual currency, or money service

i was contacted XXXX told i have a claim at Wells fargo XXXX on XXXX i was told the case was closed due to my not responding to their contact. on XXXX, no call had been made. no phone number on record as having been called. 
i had responded on XXXX the case was reopened XXXX XXXX told to wait 10 days. when i called back i was told the case had never been reopened and i had been lied to by the girl who told me someone had tried to cash cashiers checks written to me. i was raged on while i was standing in the bank in XXXX on XXXX laughed at. asked my mothers name. not asked her maiden name. teller told me i needed to give that. the case was only reopened after i said i was calling the police. 
XXXX. new case openedXXXX. it went from mother buying me a cashiers check to mother buying herself a cashiers check 12yrs after she passed. I called the XXXX police XXXX reported everything, identity theft i have been raged on and told just to walk away non stop. laughed at. told i can not prove i was left anything. raged on. i only got a case worker after i requested an Attorney contact them thru social media. called pd a week ago, officer said they had the info from investigating. i asked them to call the bank on Monday and speak with XXXX XXXX went thru 5 case workers. told by management no one had done anything XXXX got XXXX as case worker. they claim they are doing research, which they claimed before. they still have not done anything. today i called to check. was told new case worker called me, that i did not respond. no phone call came in. none. no message left. they had my number on record. I am being called a liar. told to provide my mothers death certificate and proof that i have the right to handle her affairs. the check was bought for me. some one tried to cash it and was stopped by law. i am being verbally and mentally abused by them. they will do nothing even with law stepping in. I can not tell you how many times the case was closed, this after they were told i did not know what i was left. they demanded i show them proof, raging on me.
Product: Mortgage

Lender not willing to postpond sheriff sale even with complete short sale packet. We have a buyer, HUD, listing, financials, everything they are requesting
Product: Checking or savings account

TD Bank has been a good bank at times at my location. Lately I requested mint new bills of {$1.00} and {$100.00} for traveling. I was issued new {$5.00} dollar bills instead but the {$100.00} and {$1.00} was not there. Prior to this I had always requested new bills and was never an issue with XXXX XXXX. But as of the past month XXXX XXXX at TD Bank a Vice President stopped responding and refused to honor the requests. I got tired of writing him for my request and he just stopped responding. I think that is a shady character and terrible customer service skills. Please see email attached conversation. This is where this bank is lacking and I have seen employees come and go at this branch. Some decide to do a good job while others don't care as is the example of XXXX XXXX. He feels that he is too important and that he should not have to be responding to customers requesting new bills or something small. It is not important to him I guess. A bank is only good as it's customer service. I don't see why is so difficult to do a search for new bills. Is just a task that XXXX does not feel like doing but is a bank duty. At least he should respond and say something to the emails. Well now I guess he will be responding to this complaint and get coached for a better bank experience and treating customers with respect regardless of the transaction. Some customer service reps go the extra mile but others like XXXX XXXX just don't feel like taking a step forward.
Product: Payday loan, title loan, or personal loan

I got behind on the loan and they had me served with civil court documents. I called and talked with them and was working out a different payment arrangement. I was making smaller payments to them. I was told the process of being sued would be placed on hold. I kept making the smaller payments then about 2 months into makeing the smaller payments i was notified that they proceeded with the lawsuit with no notice i was found in default because i did not appear. Resulting in a lien being placed on my house and they are refusing to subordinate the lien. This company is a snake in the grass. I am willing to work out a repayment plan as long as they subordinate the lien or remove it. I am checking into my options to counter sue because they are going to cause me to loose my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been consolidated in XX/XX/XXXX. At no time was I contacted in writing by Texas XXXX XXXX XXXX XXXX about my multiple accounts being delinquent or sent to collections. Texas is currently reporting this as a collection account. This is not only inaccurate, but it is placing my military clearance in jeopardy. 

XXXX XXXX XXXX is reporting multiple accounts as XXXX days past due, all having a zero balance, and all in excess of XXXX years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX. 

XXXX XXXX is also reporting that I had student loan accounts with them in excess of XXXX days past due, many of which are greater than XXXX years old. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans. 

Another student loan creditor, XXXX/XXXX XXXX XXXX, is also reporting multiple loans as XXXX days past due and these loans are older than XXXX years. 

The United States Department of Education/XXXXt is also reporting XXXX old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OF OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions My account with XXXX XXXX is paid in full, falls under the status of Charge Off
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues. As stated in the CFPB lawsuit, Experian does not take sufficient steps to intake, process and investigate disputes. Experian routinely and uncritically accepts the original furnishers response to the disputed information. As proven by the lawsuit, Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. These failures directly align with my personal experience. This failure is causing inaccurate or unverifiable accounts to be unresolved yet remain on my report. Experian only says that the disputed accounts are " verified and updated '' or " we will not reinvestigate the same dispute again at this time ''. However, Experian has never provided me with ANY PROOF of how the XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX account was allegedly verified, the method of verification or PROOF that the company trying to collect on the disputed account even has the LEGAL RIGHT to collect. Experian is wrongfully causing ongoing harm to my credit standing as well as violating federal law and my rights as a consumer. I therefore request that immediate corrective action is taken and for Experian to permanently delete XXXX XXXX XXXX XXXXXX/XX/XXXX from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to both XXXX and XXXX ; I have also filed something with CFPB recently. I'd like to add to this : The account 's original Creditor is XXXX and this shows on XXXX  as XXXX, and this shows on Experian as XXXX XXXX - they both have the same account no. XXXX. However, the date of this account shows Opened as XX/XX/19 on both XXXX  and Experian -- but shows as reported to the Credit Bureau of XXXX  on XX/XX/19 and Experian on XX/XX/19. According the Fair Credit Reporting act, it is illegal to report inaccurate data -- I certainly did not open any XXXX acccounts on XX/XX/19 - for I was in the process of moving to Texas and I have XXXX  not XXXX. This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is erroneously reporting a fraudulent inquiry on my credit report. The inquiry shows as XXXX XXXX XXXX, and after several attempts to resolve this issue via phone conversations, disputes, and documentation being sent. The account still appears active as of XX/XX/XXXX. The account has been reporting since XX/XX/XXXX and having been done as identity theft, I would expect Transunion to safeguard my personal security but has failed tremendously.
Product: Money transfer, virtual currency, or money service

My PayPal account can not be linked to the bank and withdraw cash. I have called the PayPal customer service representative many times, but the problem has not been resolved. Please " CFBP '' help me! thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX and on XXXX I submitted a dispute on this bankruptcy that is on my credit report with the proper documentation. Both times it was sent back as accurate. it is not accurate at all. I have the docket to prove it isn't me and it still remains on my credit report.