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

TD bank/Target is reporting account as unpaid and charge off when in reality the account has been paid since XX/XX/XXXX. The law firm of XXXX XXXX XXXX has notified TD of the payment both electronically and verbally via a conference call that took place on XX/XX/XXXX between the clien, Target/TD and the law firm. TD need to update the account as settled
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the failure of your agency to remove certain items from my credit report, despite my previous dispute letter dated XX/XX/year>. In my letter, which is dated, and time stamped, I provided evidence and requested the removal of specific items from my credit report. To date, these items have not been removed, which is in direct violation of my rights under the ( FCRA ). Furthermore, under 15 U.S. Code 1681b, Permissible Purposes of Consumer Reports, I must reiterate that I have never provided written consent to your agency to report any information on my consumer report. No consent is Identity Theft. As such, these accounts must be deleted immediately. Please find attached a copy of the true bill due to your negligence to resolve this issue in a timely manner. Payment is to be remitted to the address provided on the invoice.
Product: Credit reporting or other personal consumer reports

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past,
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to an annual escrow analysis, it was determined that my escrow was falling behind Freedom Morgage 's minimum required buffer amount of {$600.00}. They notified me in XXXX ( during a pandemic and nationwide shut down ) via letter that I could pay in full, or, the balance owed would be added to my monthly payment. I reached out to them via email, phone and their website with no return engagements from any avenue. Proof of those attempts can be provided. 

My payment is on autopay via electronic check from my bank and I have paid an extra {$100.00} per month for years. 

They received my payment of {$1500.00} ( my required payment was {$1400.00} ) on XX/XX/XXXX. On XX/XX/XXXX, they added the additional amount to my total due to account for the escrow imbalance for a total due on XX/XX/XXXX of {$1600.00}, leaving a balance on my XXXX payment of {$39.00}. 

I caught it, added that to my XX/XX/XXXX payment and submitted the payment early. The funds were taken from my account on XX/XX/XXXX. Proof can be provided of that. 

They chose not to apply my payment of {$1500.00} on XX/XX/XXXX as well as my payment for the remaining {$39.00} received on XX/XX/XXXX until XX/XX/XXXX despite receiving it days/weeks earlier. Two weeks after applying my paymentsfor XXXX and XXXX on XX/XX/XXXX, they submitted a report to the credit bureaus that I was more than 30 days late for my XX/XX/XXXX payment and listed it as being the full amount late ( {$1600.00} ) Despite my providing Freedom Morgage proof that they received payment on XX/XX/XXXX and their claiming in a letter to me that funds are applied as they are received ( the XX/XX/XXXX funds were NOT applied when received ) they have refused to correct the error on my credit report. The result of their actions was a drop in over 100 points to my credit score based on a presumed {$39.00} shortfall. That money was received PRIOR to XX/XX/XXXX. 

It is my opinion this could be an intentional act on their part to drive up my interest rate for a refinance. They were aware that I was trying to refinance with them and had been working with them since XXXX on that. But even if I give them the benefit of the doubt, they are not acting in good faith with me, who in my almost 4 year history as a customer of Freedom Mortgage has NEVER paid them, or anyone else I have an account with, late. That information can also be verified via my credit report on all three agencies.
Product: Student loan

I have been trying to consolidate my loans to enter an income based repayment plan. However, the National Student Loan Database ca n't find my loans. We *think* this is because my information has not been corrected since I got married and changed my name ( 8 years ago ). For months I have been fervently trying to correct this, but NSLDS keeps sending me back to my servicer ( who swears up and down my name has been changed ) who keeps sending me back to NSLDS ( who swears up and down the information is still incorrect ). I 'm so frustrated I want to cry. 

Also, my servicer, without any prompting on my part or any clear reason why, suddenly changed my loan with only 8-years left of payments on it to a new 20 year term. I only received a generic form letter telling me my loan terms had changed with absolutely no explanation as to why this had happened. When I called my servicer I had to try XXXX different representatives before I finally found one who could vaguely explain the issue. ( Apparently they did a review and discovered that my I unsubsidized loan and my subsidized loan had different terms, so that triggered some sort of reset ). These types of things make me very nervous. Federal loans are complicated enough as they are. How can I trust that my loans are being handled properly?
Product: Credit reporting or other personal consumer reports

I sent into XXXX, Experian and XXXX letters for accounts on my report for debt validation. Per 15 USC 1692 C I have not received a response in over 30 days now.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX with a balance of {$10000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I no longer live in America and I havent lived there for some time. I noticed inquires and accounts on my report today that I didnt recognize and believe that I have been a victim of identty theft. I need for these to be removed immediately. I have detailed the following list please remove. 
I have already contacted all of the different agencies, and basically they are on their own timelines. Takes months toget back to me and when they do they just say it was verified. How is this possible. How do you verifiy something that is fraud. No one contacted me, they couldnt have went to my address because I dont live there anymore. It just says verified. Now I need it removed. It is stopping me from being able to aquire housing. 

XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Please remove I have filed identity theft through the authorities and now need this removed. I have taken all the steps they said I needed to take. Now they are just making excuses.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I received calls from the debt collector and the debt collector changes the number they are calling from. In addition to XXXX, there is also XXXX, XXXX. 

This is related to previous cfpb complaint numbers : XXXX XXXX I am unemployed and can not make payments. This is a temporary situation and was explained to Hyundai and the creditor both on the phone and in writing. Two letters were sent requesting a payment plan so that I can make minimal good faith payments somehow. 

When I spoke to the creditor on XX/XX/13, the creditor said they receive my first letter requesting a payment plan, but I would not receive any payment plan in writing, that it would not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 


Equifax Account US Department of Education XXXX XXXX XXXX XXXX, TX XXXX acct * XXXX XXXX Department of Education XXXX XXXX XXXX XXXX, TX XXXX acct * XXXX XXXX U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX WAS LISTED ON OUR BK XX/XX/XXXX- XX/XX/XXXX AND IS STILL APPEARING ON OUR XXXX   CREDIT REPORTS.SEE ATTACHED, MANUALLY NOTIFY XXXX THAT OUR CREDIT FILES ARE SUPPRESSED AND MUST REMOVE VIA DELETION LETTERS.
Product: Debt collection

I have sent a letter to Jefferson to send me evidence this account even belongs to me. No responses. They can not validate this debt belongs to me. 

THEY ARE REPORTING TO XXXX  THE PAYMENT STATUS IS " 120 DAYS LATE '' ..This is not possible on a collections. 

THEY ARE REPORTING TO XXXX  " DATE OF LAST PAYMENT IN 2017 '' ... Not Accurate ... .They are re-aging the account and VIOLATING the FCRA.
Product: Checking or savings account

Great day hope all is well! 

My bank Citibank charged me {$130.00} in overdraft fees along with {$12.00} monthly fees. I am experiencing financial challenges at the moment, with this information I am requesting my {$130.00} to be returned to me because I can not afford to pay the bank this fee and not sure why some of the fees were assessed to the account.
Product: Mortgage

I have two mortgages ... the first mortgage is up to date and the 2nd mortgage is in bankruptcy, Citizens Bank is taking my first mortgage payment and applying it to my 2nd mortgage that is in bankruptcy and I have made them aware several times. Now they are holding over {$3000.00} as Unapplied.
Product: Mortgage

my father left me life estate in XXXX texas. my father XXXX XXXX onXX/XX/XXXX I keep paying the notes on time to citimortgageinc loan number XXXX in my father name XXXX XXXX onXX/XX/XXXX I revived a letter from citimortgage inc that said they no longer can except payment and that they close my father account due to him being XXXX  and they going default forclouser and they ask for full payment of XXXX dollars. they hired attorney and he file probate of beneficiary in XXXX county texas court in XXXX texas I called the court ask them why they did probate of my dad estate when I was name in court before my dad XXXX XXXX.the court did transfer the deed in my name upon XXXX of my father.the mortgage company told me I could n't get remodifaction loan or make payments they told me they was going sue me over my mortgage loan and forclouser they told me this onXX/XX/XXXX the the mortgage company give my dad bad loan they commiteethe acts of threaten me with lawsuits and closing his account due to XXXX and not letting me make my payments.I want them fine again and there banks shut done from doing mortgage loans.they are doing mortgage fraud practices.
Product: Vehicle loan or lease

I had a XXXX XXXX XXXX on lease which was traded off to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX. 

XXXX XXXX XXXX has provided the paperwork for vehicle trade-off and release of liability to me and the payoff amount was sent to Mazda Financial ServicesXXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX, The receipt of the payoff has been confirmed by XXXX as well. 

Since the end of XX/XX/XXXX, I have been getting repeated calls from XXXX regarding payment default as they are unable to close the account due to a pending dealer certificate from XXXX. 

This has been frustrating and mentally harassing as I don't own the vehicle or any liability and it is also impacting my credit. 

The complaint is against Mazda Financial Services as they have to work with the dealer to get the account closed and not harass the end consumer.
Product: Credit card or prepaid card

On XX/XX/2022 there was a charge made fraudulently to my Direct Express card where I receive my monthly XXXX benefits in the amount of {$56.00}. 

I immediately disputed this charge and completed their customer statement of disputed transaction the card in question was closed and a new card mailed. 
A refund was issued XX/XX/2022. 

I received an email XX/XX/2022 advising me they were charging me back the {$56.00} putting me in a negative balance and was told their decision was final. 

I have never received any merchandise for this fraudulent charge. 

Now Direct Express has put a block on the card my child receives her monthly XXXX XXXX 

This outrageous and I need immediate help resolving this matter. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX illegally reinserted accounts on my credit report that should not be reporting as begative. The 4 accounts have been iincluded on my credit report today XX/XX/24. 
All 4 accounts are appearing with no lderogatory information yet they appear under the derogatory column. These accounts should appear as older accounts under the column accounts that are positive. 
Additionally, all ( 3 ) of these accounts are in violation of my privacy under 15 USC Section 604 ( a ) ( 2 ) and 15 USC 1681 ( a ) ( 2 ) which states a credit reporting agency can not furnisher can furnish an account without my written instructions. 
All the accounts placed on my report today with inaccurate information showing these good accounts are not negative should be deleted immediately or placed back with my good acvounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am supposed to receive a {$400.00} bonus points after opening a new checking and saving account between XX/XX/18 - XX/XX/18. I opened a checking and saving account on XX/XX/2018 and funded the account on XX/XX/18. I have satisfied all the terms and conditions per the promotion. 

The terms and conditions say : " If you are an Eligible Customer, enroll in the {$400.00} Checking and Savings Offer, and fulll required activities ( see required activities below ), you can earn a {$400.00} Cash Bonus which will be credited to your new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all required activities. '' Based on the terms and conditions, I should have received my {$400.00} bonus long time ago. I reached out to different bankers ( over the phone and in the branch ) for almost a month. They all said I should have received my money, they have set up the case, but there is nothing they can do. When I reached out to the first and second bankers, they told me to wait, the bonus is coming. The third banker finally set up a case for me and told me to wait. The fourth banker said my bonus has been approved and I should have received my bonus in the week of XX/XX/2018. However, my bonus never came. Then I reached out to the fifth banker, and I was told that there were nothing they can do about it because the case has been set up, the bonus has been approved. Yet, they don't know why I have not received my money yet. They said their hands are tied. I was shocked when I heard that. 

It appears to me that Citibank is lying about their promotion and they don't keep their promises. Citibank even failed to do proper follow up for my complaints, despite I have reached out to different department several times in the past month. I sincerely hope that CFPB can take enforcement actions to Citibank for this dishonest practice and compensate me for this. 

Attachment : Citibank promotion information
Product: Mortgage

I have been calling all day trying to make a payment, and the representitives continue to ask me personal questions that I should not have to answer and explain every time I call, I had a serious automobile accident in XXXX and have been behind on my payments evry since, it was 3 months, now Im down to just XXXX payment behind, I am asked XXXX personal questions every time I call and the represetitives act like debt collectors, very rude, will no transfer me to a supervisor, disconnect my call, etc, this is not professional, and I have spent over an hour trying to make a singke payment which should be a simple process, this is not acceptable
Product: Debt collection

This company contacted me by phone we ended with payment agreement paying {$62.00} dollars monthly they never told me they were a collection agency i thought i was paying the XXXX XXXX XXXX, after rweviwing my credit i foun it was a collection by then i called and the amount due was {$140.00} paid in full onXX/XX/XXXX by credit card XXXX XXXX Confirmation number XXXX they never send the letter paid in full as agree, i send a dispute to all three bureus to remove this information from my credit
Product: Checking or savings account

On XX/XX/year>, I went to the ATM and tried to make a withdrawal and the funds I was requesting was in my account. This bank denied me access to my funds offering absolutely no reasoning denying me the funds. So, I went home and called the bank by use of their XXXX number, to inquire about their refusal to provide me with the funds requested. After about XXXX hours, and being transferred to every department of this bank, someone indicated to me that there was an issue relative to fraudulent transactions being made on my account, wjich was a surprise to me. They also forced me to close my account and the use of my debit card and even instructed me that I could not open another account with this bank. So, I closed this account and asked for a bank statement to hopefully show me the fraudulent transactions. After review of this bank statement, I saw NO evidence indicating that fraudulent transactions were being made, in fact, after review of the statement, I found absolutely no fraudulent transactions being made. The only thing that may raise a concern is that several of the transactions occurred outside of the United States ( XXXX ), but they were NOT fraudulent. A fair resolution would be to provide punitive damages ( {$300000.00} ), a letter of apology, and a cease and desist this type of business behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX just responded MY PREVIOUS CFPB COMPLAINT and said due to my XXXX  impact they would remove all negate reporting and late fees and my best payment would be due XX/XX/11. Well, my reporting for Transition just reported out 90 days late while XXXX reported current!!! My husband died from this XXXX  and I can not get a loan to pay for his fureral because of my credit!! Also - they 100 % failed to acknowledge the fact I am one person who no job because of COVID with XXXX kids. I do not have {$190.00} by XX/XX/11. I can not not even do Christmas for my kids. I asked for XXXX to settle this account with me at a reasonable amount! Most of what I owe is interest anyways! I am waiting on unemployment which who knows when that comes in and that is going to hardly cover my bills let alone leave extra to take care of my family. I hope to be able to afford {$50.00} per month which is what I was paying before loss of job and COVID. XXXX is the only company that has worked out this sort of arrangement with me! They took my interest to XXXX and settled my account! THE CFPB needs to take action and make these companies help was people are have no control over what happened! These companies only care their income and not about the people!
Product: Credit reporting or other personal consumer reports

I was charged for 2 semesters. I was only enrolled for one semester and transferred to another school before second semester start in XXXX, Texas where I completed XXXX  school.