23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

TDBank offers a bill payment service with its checking accounts. On XX/XX/XXXX, an authorized transaction payment of {$100.00} was sent to XXXX XXXX XXXX via bill pay. On XX/XX/XXXX my checking account showed a pending payment of {$100.00} to XXXX XXXX XXXX  I immediately called TDBank and a male the CSR told by me that XXXX XXXX XXXX pulled the {$100.00} from my account. XXXX XXXX at XXXX informed me that they did not and could not access my account. I again called TDBank and XXXX offered that there was a problem with bill pay system duplicating payments already made. I told her that is my reason for calling and she required i complete a dispute form and that it would only take a few days. Three days later, XXXX at TDBank told me I must wait 8 days for a response and on XX/XX/XXXX {$100.00} was deposited into my account. An XX/XX/XXXX email fromTDBank confirmed the deposit, advised that my XXXX XXXX was suspended, unable to recall the XX/XX/XXXX XXXX & XXXX payment I had to repay {$100.00} to XXXX, their XXXX XXXX XXXX XXXX finally, they threatened me with Collections. Tuesday XXXX I visited my TDBank branch and XXXX was left holding for 20 minutes and told to call XXXX. Today, XXXX I called XXXX and told XXXX that I live on a fixed income and could not pay until XXXX she abruptly told me to call back then and that my account would remain suspended until then, no matter that my creditors would not be paid and now payment info needed is not available. Then I called TDBank and was told they could not unrestrict my access to XXXX XXXX. I was referred to CFPB by Federal Reserve CSR.
Product: Student loan

I have been enrolled in Autopay with Navient. I joined because Navient promised .25 % saving on interest. However, the system is unable to readjust itself after overpayments.

Navient has a repayment schedule of a certain amount per month for ( example ) 24 months, and then it boosts the amount to pay for the next 12 months.

I have been overpaying to shorten my loan, and I payed the amount to cover the first 24 months early. But Navient did not figure this out and start me on the new payments.

Left unattended, there would have been no payments on this loan for a year.

Multiply this by four loans. Right now I have my overpayment set to pay down the largest loan, which is the {$670.00} payment shown on XXXX, following no payment on XXXX. 

In addition, I now have Parent Plus Loans on my daughter 's schooling that are accruing interest. I already owe $ XXXX at 7.9 %. The total is increasing bc of interest, but it is not shown anywhere when it is added or how much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my current credit report and I am showing incorrect information on my file. I attempt to dispute and have not received any results. I current student loan ( s ) are reporting incorrect. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting thisXXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am a victum of XXXXXXXX XXXX XXXX, there has been fraudulent accounts on my consumer report, please see attatched documents below
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a payment of {$5500.00} was made through XXXX  XXXX XXXX on line bill pay. This payment was meant to make a payment to my XXXX Visa credit card. The payment was never credited to my Visa card. I called XXXX on XX/XX/XXXX and sent several on-line inquiries to XXXX. Their customer service said that the payment was actually not made to XXXX, instead it was made to SLS Mortgage Servicing on XX/XX/XXXX. Their customer service claims that even though the on-line banking name shows " XXXX '' the actual account # and information was for the recipient of SLS Mortgage. XXXX said they opened an investigation and faxed proof of payment of {$5500.00} from XXXX to SLS mortgage on XX/XX/XXXX and refaxed again on XX/XX/XXXX. Per XXXX at SLS Mortgage, they said it was never received. During a conference call with XXXX XXXX of XXXX and XXXX from SLS mortgage, XXXX refaxed proof of payment to SLS on XX/XX/XXXX. These proof of payment faxes included the SLS account # ( which is a closed account. ), the trace # and the case #. XXXX advised that she put in for a request for someone from SLS to call me back which no one ever called back. XXXX XXXX from XXXX also sent a qualified written request to SLS via regular mail on XX/XX/XXXX or shortly thereafter requesting a refund and provided proof of payment. I requested for XXXX to refund my money during their investigation on XX/XX/XXXX but have not heard any respond from them,
Product: Money transfer, virtual currency, or money service

I did an international wire transfer in the amount {$2800.00} from my Citi bank checking account to XXXX XXXX XXXX XXXX Bank, .located at XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. 

On XX/XX/2021, money was posted and removed from my account. 
Up till today the recipient XXXX did not receive the amount {$2800.00} over one month and half now and the money has not been returned back to my account as I requested. 

Please I want them to pay my money back or return it from wherever they sent it to because my supposed recipient did not receive the money
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and 143 million others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing parties ( that THEY have injured ) up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach as well as paying restitution to those injured by this event. The negligent loss of personal information of hundreds of millions of consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Credit reporting or other personal consumer reports

There are XXXX collections account on my credit report from accounts that do not belong to me. XXXX of them is from a storage called XXXX XXXX XXXX, and the other one called XXXX XXXX  These accounts were not opened by me and ended up being sent to collections, having a negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, TransUnion, and XXXX and have noted following discrepancies : XXXX XXXX XXXX  XXXX Inq date : XXXX/XXXX/XXXX Phone number : XXXX XXXX XXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX  Inq date : XX/XX/XXXX There is also an open and accurate account from XXXX XXXX  that is accurate it is NOT apart of this dispute its current and active from XX/XX/XXXX so that that open account as is. I am just requesting inquiry that I do not have knowledge on be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi : I have leased two SUV from XXXX XXXX of XXXX XXXX on XX/XX/XXXX with Financing with XXXX XXXX XXXX XXXX. 
I have paid all the payments on time since it was on " Automatic Payment '' directly from my Bank Account. On XXXX or XX/XX/XXXX and due to their system failure, I was kicked off from " Automatic Payment '' program, backed to " Manual Payment '' without my consent or even without informing me about this change! 
Consequently I was late for more than 30 days on one of my monthly payments and until on XX/XX/XXXX I got a phone call from XXXX XXXX XXXX to discuss this issue with me! 
I told them I didn't ask for any changes on my payment system and want to get back to automatic payment again. They said they are sorry for not notifying me earlier, because I was on " Paperless '' list so they didn't send me any notifications! But they said I can make a payment over the phone and then everything will get back to normal and I will be on " Automatic Payment ''  again. Which I did and got back to their " Automatic Payment ''. 
But next week and while I was checking my credit score I realized that my credit score has dropped XXXX points due to the " XXXX XXXX XXXX XXXX '' report on me and because of " Late Payment for more than 30 Days ''! 
I called the company and talked to one of their reps and explained the case, she said they will investigate the case and will get back to me shortly, but have not heard from them since XX/XX/XXXX. 
Now I am planning to apply for a very crucial business loan for my business but because of having low credit score ( XXXX ) it seems impossible, just because of the wrongful report from XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$750.00} XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

I have been working on a modification with Bank of America for almost 5 years. I have been submitting documents time and time again. Most recently, I believed I was getting a Modification after filing a complaint. I received some time sensitive documents that appeared to me as if they were the modification documents. I saw that there was a breakdown of payments so I was happy! It was different than I expected, so I called the Bank of America modification department and I was advised that I needed to send my first payment of {$670.00}, the amount that showed on the document by XXXX XXXX, so we rushed to have the money in the account to send it to the bank. I confirmed with the representative from Bank of America that my payments would be {$670.00} each month and would change as per the letter I received, and she said yes. I called on XXXX and again on XXXX to confirm that my payment of {$670.00} and she confirmed. I was about to send the next payment, when XXXX XXXX, my third party representative, the person who is assisting me advised that I was sent a reinstatement letter. XXXX XXXX then called Bank of America, and she was told that they apologized, that they could see how there could be a confusion however that the letter advised that I needed to send in over {$30000.00} to satisfy the debt, and bring it current! This call happened on XXXX/XXXX/16, she was also advised that there was no sale date, but in ongoing foreclosure. XXXX, from Bank of America notated the account that the person who advised me when I called had to advise the bank that I had made the payment in XXXX, did not properly advise me that you I needed to make the $ XXXX by XXXX/XXXX/016 nor that it was not a modification!! I was shocked and terrified that I am going to lose my home after all of this time of trying to work with the bank!! This is misleading and wrong. I spoke with the bank representative before sending my {$670.00} check in good faith. She advised the amount I needed to pay which was {$670.00} as notated in the letter, only to now find out that she was wrong and now I may lose my home on the XXXX of XXXX because Bank of America sent me a forbearance knowing full well that I would not be able to pay {$37000.00}!! If I could do that, I would have long paid off my home! I am now sick and stressed beyond belief, and unfortunately creating a lot of stress for my children and elderly father who lives with me. I was again asked to submit another package for modification. I have most recently submitted the documentation once again requested for review but as I mentioned now have a foreclosure sale date of XXXX XXXX. I need your assistance to prevent me from losing my home. There is some equity in the home so perhaps now Bank of America just wants to foreclose on my home and take my equity as well. I believe that Bank of America is not acting in good faith and violating the homeowner 's bill of rights by trying to foreclose while I am in a workout. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent hours on the phone with Equifax trying to resolve this issue, to no avail. 

Their Dispute resolution system does not have sufficient functionality to address this issue, and the support agents are unable to address the issue, effectively putting me into a circular event loop where resolution is impossible. 

Equifax is reporting a past address as current, and a current address as past, offering no possible method to resolve the issue. The address listed as current in over 4 yours out of date.
Product: Debt collection

Sent debt validation letter via certified mail on XX/XX/XXXX. Letter was delivered on XX/XX/XXXX. Company has not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Acct # XXXX Inaccurate information on my credit report. 

by provisions of the Fair reporting act and per the standards of implemented with XXXX enacted XXXX XXXX XXXX COMPLIANCE REGULATIONS, I demand that the above mentioned derogatoryitems be investigated and permanently remove from my report. It's my understand that you will recheck with the creditor who. has posted them. please remove the inaccurate information that the creditor can not verify. I understand under 15 USC Sec1681 ( a ) you must complete within 30 days. WHY is this creditor reporting 2 different dates of last activity two different dates of the account being opened two different dates being last reported INaccordance with FCRA SEC 611 I'm requesting this information be investigated for completeness and accuracy.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I paid an invoice of {$1400.00} for my clothing business using my Navy Federal account PER XXXX XXXX Upon completing the invoice the seller never sent my merchandise and told me that they would issue a refund that never came through. I decided to dispute this charge through Navy Federal however they told me that since the transaction was paid through XXXX XXXX they were unable to look into it. As a Navy Federal customer I'm highly disappointed as the point of the bank is to help protect my money. I have provided Navy Federal receipts of my conversation with the merchant as well as receipts of payment to no avail. XXXX XXXX  has also denied my claim.
Product: Debt collection

Re : illegal billing fraud and collections practices by XXXX and Amsher Collection Services 1 . A XXXX Collections Agency in Alabama contacted me about an unfamiliar account under my name and my business name. I explained that I have a longstanding account with XXXX and that I have had tis account for 22 years and that is paid in full monthly with a XXXX balance. I explained that I have not received any letters, emails. or texts from XXXX regarding any account in collections. I stated the account was Fraud. I asked that they immediately send me all details related to this account and how they obtained my personal contact information. Amsher Collection Services refused to provide any details about the account they claimed was in Collections.

2. I requested that XXXX  business department and Amsher Collection Services give me all the information regarding the debt they were contacting me about, but I have not received any communication from them. 
XXXX. Both XXXX  and their Collection Agency failed to provide any billing details or evidence of the debt, which is illegal. 
XXXX. I have filed a Police Report in XXXX, Louisiana regarding identity theft and XXXX XXXX XXXX activity at my company. The false debt on my credit report needs to be removed immediately. 
XXXX. The involvement of Amsher Collection Services and XXXX in placing this fraudulent business account on my personal credit report without due process is a violation of the Fair Credit Reporting Act and must be resolved promptly. XXXX contacted me and advised that Amser Collection Agency is reporting the fraudulent XXXX account as Delinquent to Credit Reporting Agencies . Again, this is illegal.
Product: Credit reporting or other personal consumer reports

These disputed accounts were open fraudulently : XXXX XXXX XXXX XXXX {$4000.00}, SELF XXXX XXXX {$120.00}, XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX Direct TV {$510.00} XXXX XXXX XXXX Bank XXXX not XXXX XXXX but this account is reporting twice. I have filed an ID Theft report with the FTC, disputed these accounts with the credit bureaus and added security freezes with : Equifax, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX and XXXX, to prevent further fraud. I received no response from my disputes sent to Equifax, XXXX XXXX and XXXX XX/XX/2023. I sent a follow up dispute to the credit bureaus again XX/XX/2023, this time I received only an online " dispute results '' from XXXX and said these accounts were " Verified as accurate, '' with no consumer contract or evidence that under the FCRA that this account was open by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to comply with FCRA laws for wilfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Equifax that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I submitted the identity theft reports, provided a report circle the fraudulent account. Equifax has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly contacted all companies and agencies concerning these matters with absolutely no help or resolution. This problem has been ongoing for the past few years.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX Date Last Active Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX and there is no reporting at all for XXXX. 

Actions taken by me : Sent several disputes. 

Actions taken by Company : None XXXX XXXX DATE LAST ACTIVE Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

Action taken by me : Sent several disputes Actions taken by company : None
Product: Credit card or prepaid card

I called Bank of America to freeze my card, basically from any use during the covid crisis. Im XXXX XXXX  and want to incur no debt on this card. To keep myself from using it, most importantly, but also to prevent anyone else from using it. 
They told me they dont have a freeze policy. I told them my other credit card companies have agreed to my request. I dont want to close the account due to negative effect on my credit score. 
They said Id be protected against fraudulent use by anyone, but Im More concerned with an auto renew charge that occurs only every year or maybe two. Like computer firewall protection, or domaine name renewal. 
My only option, from BofA, Is to tear up my card, which doesnt stop unknowing activity, then get a new card when Im ready. 
I feel cornered and unprotected against them gathering charges that Im trying to prevent. 
Do I have any options?