23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started a refinance for my investment property on XX/XX/2020. The company is Caliber Home Loans in XXXX, Texas. 
They told me the refinance would take XXXX days. 
It has now been almost 5 months!! 
They keep transferring the file to different processors, changing the loan estimate, changing appraisal costs. They request documents, I diligently send them and then they don't file them. Then they change loan processors again and no one has any idea what is happening with the file! 
Then they won't contact me back when I call for an update. 
They are financially holding me XXXX! 
Unwilling to close the refinance loan and unwilling to refund me the costs for the XXXX XXXX and appraisal and cancel the refi. 

Their behavior is unprofessional, unethical. 

DO NOT USE THIS COMPANY FOR HOME FINANCING!!
Product: Checking or savings account

TD Bank completely misled me into opening a checking account with them and depositing money into their bank. 

In XX/XX/2018, TD Bank advertised the following requirements to earn a {$300.00} dollar bonus : 1. New customers open a TD Premier checking account online 2. Receive direct deposits of {$2500.00} within 60 days of account opening 3. Earn  {$300.00} posted to the account within 95 days I met the above requirements for the {$300.00} bonus, yet TD Bank has not posted the bonus to my account. After I complained that the bonus should have been posted by XX/XX/2018, a TD bank representative said the bonus should post during the next fulfillment cycle no later than XX/XX/2018. To date and 148 days later, no bonus has been posted to my account. 

Attachments are provided showing : ( 1 ) Terms of the offer ( 2 ) That I opened a TD Premier checking account on XX/XX/2018 ( 3 ) That I posted more than {$2500.00} in direct deposits within 60 days of account opening ( 4 ) That I was told by XXXX XXXX, a CSR for TD Bank, that my bonus would post during the next fulfillment cycle in 2-3 weeks.
Product: Credit card

I have the care credit card through synchrony bank. They increased my spending limit. Then I receive an email stating that they decreased my limit. I talked to a representative on XX/XX/XXXX. He stated that XXXX sent my credit report to them and that is why decreased my spending limit. I said what is wrong with my credit. I've been paying all my creditors on time and I pay extra each month. The representative said it was for lack of real-estate. They told me they have no control over this that its XXXX decision to send them my credit information, and I need to contact them and ask what lack of real-estate means. The representative said they can do whatever they want. He said its in the disclosure. I said you dropped my credit score significantly by decreasing my limit. He said then cancel your card. That was his answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX  Balance : {$6600.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The account needs to be removed as it is fraudulent : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am writing to dispute the accuracy of information that's on my credit report, According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Debt collection

I am writing to formally dispute an entry on my credit report from Columbia Debt Recovery, account number XXXX. I initially sent a debt validation letter to Columbia Debt Recovery within the required 30-day period, requesting verification of the debt. Despite my request, they failed to respond within the 30-day timeframe. I have attached the return receipt as proof that they received my initial request.

I sent another letter asking for validation of the debt, and only then did they provide a response. However, I have already attempted multiple times to dispute this debt directly with your agency, but the item remains unresolved on my credit report, and no investigation has been conducted. Additionally, Columbia Debt Recovery continues to harass me with frequent phone calls at all hours of the day, including as early as XXXX AM, from various phone numbers. 

Given the lack of proper validation from Columbia Debt Recovery and the repeated failure to resolve my dispute, I am requesting that you immediately remove this debt from my credit report. I believe I do not owe this debt and have made every effort to resolve this matter in accordance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

Please investigate this issue promptly and remove the erroneous entry from my credit report. I appreciate your timely attention to this matter.
Product: Bank account or service

I have been charged over {$1400.00} by bank of America in less than XXXX months for overdraft fees. All the overdraft fees are directly related to XXXX, which they have classified on my account as a " recurring '' purchase, which is why it has been paying it out. The over drafts are all less than {$5.00}, and I have requested Bank of America to return XXXX to a normal status on my account, and not the recurring characteristic that they have changed the designation to, in order to prevent the fees from being payed out. The account is a bank account set up to allow a younger sibling to take a specific amount of XXXX 's each month instead of the bus, and when he reached his dollar threshold previously, it would force him to take the bus. Now, the account overdrafts and charges me massive amounts of fees, defeating the entire purpose and set up. This is absolutely outrageous to have been charged {$1400.00} in overdraft fees in less than XXXX months for a designation BOA decided to change with no notice to me, and now will not change back.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX - XXXX ; XXXX XXXX XXXX XXXX ; XXXX - XXXX ; XXXX - XXXX XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX XXXX NOT CAPTURED - XXXX XXXX XXXX - XXXX ; and XXXX XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Debt collection

Debt collection company has committed identity theft in contacting me without permissable purpose. 
Debt collector company has brought a suit on a debt that has been satisfied and charged off ( Fabricating a debt obligation of a third party private court bypassing federal law in connection with collection of a debt without a court of commpetent jurisdiction and without written express consent. ) Debt collector company has used the mail to send false and misleading communications thru the US mail using US zip codes to solicit money in a debt collection scheme by an attorney, clerk or judge.

Debt Collector company violates 15 USC 1692 i ( b ) by bringing suit without standing.
Product: Credit reporting or other personal consumer reports

XXXX Credit Bureau is repeatedly reporting late payments and charge offs from Capitol One. I have disputed this account multiple times with XXXX and they will not correct my credit report.
Product: Mortgage

KeyBank and XXXX XXXX have completely mishandled my loan application process. They have given me countless pieces of FALSE information regarding a MAJOR financial decision. They are misleading and never explained to me that KeyBank and XXXX XXXX are actually the same company. XXXX XXXX even made claims that their loans were better and that the process is completely different with XXXX. Not until late in the closing period did they tell me they wouldnt be able to help me since I already had an application in process with Key. Additional false information given to me by XXXX XXXX XXXX was : 1. Husband and wife applying together holds the same financial liability as one spouse applying separately ( my wife has XXXX XXXX  ) 2. A new application cant be opened easily if I want to remove my wife from the application 3. XXXX XXXX and Key are not the same bank and have entirely different teams and processes. Appraisal can not be transferred from one to the other. 
4. A bad appraisal can not warrant a new one being ordered. 

Ill be hiring a lawyer. See you in court. Havent had this issue with other lenders. I wonder if XXXX XXXX has anything to do with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

I received an Email notice of change in account terms from XXXX. They did y specify what account and gave me a deadline to agree or disagree. They are charging sky high interest and monthly accounts maintenance fees. Its almost like bait and switch too
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account due to fraud with Equifax and they claim that a thorough investigation was completed, however, they do not have any substantial proof of validation. The account still remains and is causing financial disparities in my life. Three representatives ( two supervisors ) confirmed that since they do not have substantial proof of validation that the account has to be removed under 15 USC 1681 e ( b ), but did not remove the account and told me that I need to submit a police report. I am aware that I do not need to submit a police report to have any accounts removed and am demanding that they are investigated for fraud and tampering with consumer files. The four calls made were on XX/XX/2022 and I was yelled at, interrupted and lied to.
Product: Mortgage

I am extremely disturbed with Bank of America. They refused to review my loan for a modification review. I provided all the documents so I can be review, however ; they are just prolonging my loan so I can keep falling more behind. I tried to offer a settlement but unfortunate Bank of America stop offering settlements since XXXX 2016. Bank of America requested proof that my loan was not eligible to refinance before I can be offer a modification.Bank of America does not want to used the information I provided which is proof that my loan was not eligible for a refinance. This is not acceptable because I have tried to negotiate many times with Bank of America and they keep turning me down. I really dont want to end homeless specially at my age. As a homeowner I have my rights and I honestly I believe Bank of America is doing all they can to deny my loan for any assistance.
Product: Debt collection

Synchrony Bank defaulted my CareCredit account using unfair and deceptive practices by failing to deliver billing statements, failing to notify me of an issue, and not providing any notice of late payments or account delinquency. In speaking with Synchrony Bank, they claimed my initial statement was returned to sender. I have verified with them that they have had my correct address on file the entire time. They made no attempt to contact me via mail, email, or phone to resolve the issue or confirm my correct address. CareCredit also made no attempt to contact me about issues with my address or account. My account was then sent to collection with XXXX XXXX  without notification. XXXX XXXX  was able to send me the debt collection notice to the address Synchrony Bank and CareCredit had on file. I have not received one statement, late payment notice, or account delinquency notice from Synchrony Bank or CareCredit. This account delinquency has had a major negative impact on my credit score. The account I was very willing to pay, is now in debt collection because of Synchrony Bank 's and CareCredit 's actions.
Product: Credit card or prepaid card

I was an XXXX card holder who paid for the debt protection service and credit monitoring service for ( 15 ) years or more ( gold card ). I loss my job and contacted XXXX to use the service until got a job. My request for was denied. During this time, I learned XXXX was being sued ( American express enforcement act ). The terms of the suit stated XXXX would credit accounts the monies. American express was to credit monies to the account of card holders or issue checks to individuals without accounts. I never received any monies from the settlement. Now XXXX is suing me for the outstanding balance on my account along interest, lawyers fees, and etc. I want like XXXX to to have deducts the monies owed me settlements. I need to know the amounts that should have been credited my account ; so I can have leverage when dealing with lawyers Thank You,
Product: Credit reporting or other personal consumer reports

Please see attachments for XXXX XXXX XXXX letter signed by my Anti XXXX  Case worker, and victim letter listing credit inquiry to be deleted. I forgot to put it on my previous complaint. Also attached are documents for proof of identity. The items you requested to provide via the letter you sent me. 1. Self attestation letter signed by agency 2. Proof of identity ( Drivers License ) | also provided a copy of my bank statement to help with proof of identification.
Product: Checking or savings account

My account overdraft fees are turned off so that I don't get my account overdraft still i get overdrawn by the bank every time I use my XXXX. Suntrust now truist is not willing to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I the consumer notified Equifax through the CFPB portal of the two negative accounts that was furnished fraudulently on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. The two accounts read ( DEPT. OF HUMAN SERVI ). Equifax failed to Investigate the first time and now they're performing a re-investigation witch is a violation of the FCRA because pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax failed to Investigate both times according to federal law ( FCRA ), Equifax haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Equifax and the DEPT. OF HUMAN SERVI are committing Fraud and Identity theft. I the consumer never got an update nor anything in writing from Equifax, the CFPB can not locate or contact the company ( DEPT. OF HUMAN SERVI ) that Equifax furnished to my consumer report fraudulently. I demand these accounts be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance.
Product: Consumer Loan

Wells Fargo made a mistake in my account and is incorrectly charging late fees and sending me wrong statements. Inspite of assurances provided by their representatives that since this is a system mistake a manual adjustment will be need to be made, nothing has been done for the last 2 months and harassing me with phone calls continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA / 15 U.S.C 1681, I have certain rights as a consumer. Upon reviewing and comparing my current credit reports, I have discovered more than 20 violations of my rights across 15 different accounts. These violations span multiple sections of the FCRA including, but not limited to sections 602, 605, 607, 609 I attempted to file a dispute online with Equifax, however, their online system rejected my request.

Listed below are the accounts that ALL have discrepancies regarding " Date Last Active ''. None of these accounts have consistent dates across the credit bureaus for the same account. ( Please see attached documents that show the discrepancies ) Also, I do not agree with the dates listed as some accounts should be " aged out '' >>>Inconsistent and Inaccurate regarding Date Last Active for 12 accounts ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, some of these accounts have additional violations which are also highlighted below. 
>> [ Fraud : The following accounts do not belong to me. ] See attachment - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX L ) Account # XXXXAfter a previous dispute of this account, XXXX XXXX said that the account was " verified '' but did not provide any additional details. Because this is a fraudulent account, it essentially impossible to verify this account. This account should NOT be on my report. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # XXXX never opened an account with XXXX  in XXXX of XXXX. This account should NOT be on my report >> [ SAME ACCOUNT NUMBERS LISTED MULTIPLE TIMES WITH DIFFERENT BALANCE AMOUNTS ( See attached ) ] - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ... also ... XXXX XXXX Account # XXXX Account is being listed by the original creditor and a collection agency each listing has a different balance for the same account number - XXXX XXXXAccount # XXXX ( listed twice ) This Account is being listed twice. Each listing has a different balance for the same account number XXXX Accounts Older than 7 years and have not had activity within that time : ( see attached ) - XXXX XXXX XXXX  Account # : XXXX ( XXXX occurrences ) Statute has expired and should not be on my report any longer. 

XXXX XXXX XXXX accounts with no Creditor information listed ( see attached ) - CREDITOR UNKNOWN ACCOUNT # : XXXX - CREDITOR UNKNOWN ACCOUNT # : XXXX
Product: Debt collection

I got a new phone number and apparently that person owes money who had the phone number before. I've placed myself on the XXXX XXXX XXXX XXXX and they still call daily. Tired of it it should be obvious I'm not the person they are looking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saks Off Fifth is reporting fraudulent charges on my credit account. The fraudulent charges in question were reported to the XXXX and as a result the charges were refunded. As of today, the fraudulent charges have now been reversed and SAKS is now reporting my account being over the credit limit I have been extended by their company. I ask that you intervene and remedy this erroneous, fraudulent and defamatory information from my credit account. I am putting you on notice that if this matter is not corrected in the next fifteen ( 15 ) days, I will be for to seek damages. Saks blames Capital One and vice versa. I dont have the patience to fight with both companies. So, I am leaving it in the hands of the CFBP.
Product: Prepaid card

I receive American Express gift cards from my boss as a holiday gift every year and I don't know what happened, but this year it became problematic to use the card. I've searched and searched online for an answer on what I could be doing wrong and it seems like a lot of other people are facing this issue and I've read its mostly due to fraud protection. This feels like a great problem for American Express because now they have an added income stream of essentially free money. Most people aren't going to complain to whoever gave them the gift and instead will just never use it. What really saddens me is that I will probably be receiving another large gift card in a few months and it will be unusable. This almost feels like a class action lawsuit is brewing.
Product: Money transfer, virtual currency, or money service

I received two texts, two different debit amounts that are trying to post to an account PNC. I do not have PNC account. The phone numbers used XXXX and phone XXXX. Urging to call and verify if transaction is okay to process.