23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I bought a new construction townhome in XXXX of XXXX. At closing, I received all of my closing documents i.e. warrenty deed and title documents. On those documents, my name, home address and permanent tax number ( PIN ) were listed. Since XX/XX/XXXX, I was paying on my initial PIN. I started noticing that my mortgage monthly payments were increasing roughly around XX/XX/XXXX. I contacted Loan Depot to see what the reason was. They told me it was because my taxes had increased and that my escow account was in the negative. They said once the escrow was back to the correct amount, then my monthly payments would decrease. However, my monthly payments never decreased and only continued to increase. Every time I noticed an increase in my monthly payments, I called Loan Depot for a reason. They told me the same information as before. I called over four times. Then in XXXX of XXXX, I noticed a huge increase and called Loan depot again. This time I received a different response from the customer service representative and she transferred me to their tax department. The tax department informed me that I had been paying on the wrong PIN. They stated that they would conduct an investigation to find out what my PIN was. Approximately ten days went pass and they told me that they contacted the XXXX XXXX assessors office and they reached a resolution and that my correct PIN was discovered. The PIN they gave me was NOT the PIN on my initial documents ( deed or title documents ). I informed them on what my original documents stated and they said they would launch another investigation. While they did their investigation I went to the XXXX XXXX assessors office to do my own research. The assessors office assured me that my original PIN on my documents were correct. I reached back out to Load Depot to relay this information and they told me it would be corrected. It has NOT been corrected. It is now XXXX of XXXX and I am still having the same problem. I have given Loan Depot multiple documents showing what my correct PIN is. They keep launching investigations saying that they are reaching out to the county and the county is giving them the PIN that they have on file. I have visited the XXXX XXXX assessors office four times and every time I make an in-person-visit they assure me my correct PIN is the original. I have called Loan Depot at least three to five times a week for constant updates about my account. I have begged for call backs from supervisors or anyone who could help me. I spoke to one supervisor who said she would look into the case and help me, I never heard back from her and that was over two months ago. I have called in to speak with their mortgage assistance department because I am no longer able to afford my monthly payments. No assistance. Because of this situation my monthly payments have largely increased. I am paying another persons taxes. I Initially started out paying XXXX for my monthly payments and now I am paying XXXX. I do not believe Loan Depot is effectively communicating with my county to resolve this issue.
Product: Checking or savings account

I initiated an ACH transfer of {$2500.00} from my TD Bank checking account to my XXXXXXXX XXXX checking account on or about XXXX XX/XX/2022. I got a " Transaction Complete '' message right away. However, I found out on or about the XXXX of XXXX that my online account was locked when I tried logging in. I contacted TD customer care on the XXXX, and a customer care representative told me that the transfer was marked suspicious and had led to my account being locked. 

After verifying my personal details as well as transfer related details, I was told that the account would be unlocked the next business day. 
I waited until XXXX XX/XX/2022, and my account was still locked. I contacted customer service again and after verifying my identity once more, I was told that the account would be unlocked the next business day and the transfer would go through. 

I waited until XXXX XXXX and still, nothing happened. I called customer service once more and expressed my frustration. After verifying my identity and other details one more time, I was told that the freeze on online banking would be lifted in a matter of 30 minutes and the transfer would be received on the other side in 2-3 business days. 

After waiting for ~7 hours, I called again and this time, I was told that I would have to walk into a TD branch to verify my identity for them to unlock online account. The representative told me that the nearest one was in XXXX XXXX, MD. This was physically impossible as I reside in XXXX, MN. The representative advised me to contact the branch directly to see if they could make an exception. 

I called the branch on XXXX XX/XX/2022 and the branch " supervisor '' was just as condescending. He told me that the only way to get the account unlocked was to walk into a branch. I was willing to send them copies of my documents in the mail and even provide additional verification over phone and email, but he did not accept any of it. 

It is a shame that TD continues to have such needless verification requirements of having to come into a branch when they don't have any branches in over half the country. My funds ( ~ {$5000.00} ) is stuck with TD and this is causing me great amounts of XXXX and XXXX 

I would like to request the CFPB to do whatever is necessary to help resolve this issue at the earliest and take action against TD Bank for causing great inconvenience to its customers.
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees o ha XXXX incurred. Despite having sufficient fund when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent XXXX findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, My last day in my office was XX/XX/XXXX due to the pandemic. I returned and had no choice but to accept a demotion position on XX/XX/XXXX making approximately $ XXXX less. during the pandemic I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed or late on a payment. I contacted Barclays letting them know my situation and to make payment arrangement base on what I can afford at the time, and they refuse to work with me. They offered me a settlement instead and I accept it. I paid them in full. I contacted them and explained to them The Govt passed The Corona Virus Aid Relief Economic Security Act which was enacted in XX/XX/XXXX and that late payments should not be reported on my account. Even though I settled with them in XXXX of XXXX, they are still reporting the account is in collection which is incorrect. ( Dates on my credit report - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Late Payments ). I want the late payments remove from my credit report. I'm trying to refinance my home so I can pay off my credit cards and the late payments are messing up my credit score and it is hindering me from doing so. 
Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Dept of Ed/XXXX  accounts XXXX XXXX
Product: Debt collection

Under the law 15 U.S.C 1681, 1682, 1691, under 1691 this is unlawful and I have not given my consent nor have I been given information about this account, will need it removed within 14 days.
Product: Credit card or prepaid card

TD Bank reduced the credit line without sending prior notice, a letter arrived explaining the action they took afterwards, the credit limit was XXXX they reduced it to XXXX in this way the card appeared completely full, this affected my credit, the payments for this card have always been on time, we could not go online to see the statement because we are XXXX  and we were XXXX, the amount of the card for that month had changed, we did not notice it, we paid the same amount from the card previous month, the TD Bank system said that there was no payment received, we tried to call but the call system was not very accessible, immediately we noticed what happened we sent the money that completed the payment plus the late fee, all this happened because it is more favorable for us to receive the statement in the mail, when we explained the situation to TD Bank in writing, they did nothing to resolve this situation.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, my mom XXXX XXXX XXXX made an international wire transfer from XXXX to USA for the amount of {$10000.00} usd. On XX/XX/XXXX, I called my bank XXXX XXXX XXXX XXXX and I was told that they didnt receive anything yet. That sometimes it takes a little longer. So I waited. 

On XX/XX/XXXX, We were able to speak to an agent from XXXX ( my moms bank ) and she advised us that they were able to communicate with the third party bank which is Wells Fargo and that Wells Fargo claimed that the money has been credited to the beneficiary, obviously not me! 
I dont have an account with Wells Fargo, I tried to communicate with them on XX/XX/XXXX via XXXX and the replied was that You will need to contact the bank where the transfer was sent to initiate a trace on the transfer. Thank you. -XXXX and every time I tried the same response is given or that they cant help me because Im not an account holder with them. 

On XX/XX/XXXX, my mother filed a complaint to the XXXX in XXXX and the response from XXXX lawyers was that Wells Fargo was responsible for that money because they deposited it into someone with the same account number as me within Wells Fargo. And that they needed to retrieve the money. 
I requested XXXX XXXX XXXX to trace the wired transfer and I have it in writing that Wells Fargo deposited the money to one of its clients that have the same account number as me. 
I have made several efforts to retrieve it with Wells Fargo and they kept sending me to XXXX. This last Thursday, XX/XX/XXXX, I received an email from XXXX stating that Wells Fargo once again.. said that they deposited the funds and cant find the beneficiary It has been 8 months and Wells Fargo hasnt give the money back or deposit it into my account. My elderly mothers health is deteriorating because of this, the amount of XXXX she is dealing with not knowing if she will ever recover the money. And Wells Fargo simply doesnt care for fixing it. 
Please, I need that money to be retrieved and to be deposit correctly. Whats the point of asking for so much information for the transaction if Wells Fargo doesnt verify it! Who is the beneficiary that Wells Fargo keeps stating in the internal messages that sent? 
This is fraud from Wells Fargo. 
I really want a solution. 
Thank You.
Product: Debt collection

Received a Debt Collection letter for Harris & Harris LTD. I made a payment after being threatened. I do not owe XXXX XXXX or Harris & Harris. I only paid to stop the harassment. Then when I made the payment and paid in full I was advised that it would be 30 days before a receipt or a paid in full letter will be sent to me. Harris & Harris Debt Collection threatened me and took my money. Please help me. I have called and requested a receipt and Paid In full letter and have been told that I will get a receipt in 30 days. Unfair and Deceptive practices.
Product: Vehicle loan or lease

On the day I purchased my car from Huyndai dealership in XXXX XXXX, Ca on XXXX XXXX I had already been pre-approved by my bank for a car loan. The financial Manager, XXXX XXXX, promised me a lower payment and interest rate, he was very pushy and would not let up until I went with his institution. He did not provide me with any person copies at the time of signing and just pushed me to sign without explaining what I was signing. He stated that I would get an email with a copy of the agreement because his dealership no longer provided paper copies. I did not receive any email and I even checked my spam folder. It was until a month later that I received anything. The agreement showed that I had a larger payment and much higher interest rate. I attempted to solved the issue with the Huyndia dealership and with XXXX XXXX but he was very rude and raised his voice while I was attempting solve my issue and even made fun of how I spoke English which is not my first language.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumers are entitled to a free credit report from the 3 Credit Reporting Agencies each year. Once a consumers identity has been verified, they should have no problems easily securing their report. However, with intent, TransUnion and XXXX make it exceptionally difficult to access your report. TransUnion gave me varying reasons at different attempts why they were unable to give me my report. I tried several times to get my reports from TransUnion and XXXX through annualcreditreport.com. The only report I was able to get was my XXXX. It is important to note that TransUnion and XXXX are closely aligned on their individual sites, and with XXXX XXXX. TransUnion initially said they were having technical difficulties. When I tried later, they gave me another error message. And I never got my report from XXXX even though they said they had already given it to me. Now, the only way I can get a report from TransUnion and XXXX is to take out a membership for a fee, and then pay an additional amount to get a report. I am arguing that TransUnion and XXXX intentionally make it difficult to get a free credit report to force consumers to buy a membership with them and then pay for a credit report that should be free. At annualcreditreport.com, accessibility and verification to all three credit reporting agencies should be consistent. Each CRA has a different ID verification process. The verification procedure should have identification rigors yet simple enough for consumers who have limitations can get their reports as long as their ID can be verified. CRAs should give consumers a choice of getting a report in PDF format that can be stored on the computer device of their choice. They should be able to direct the file/folder where they want the file downloaded.
Product: Checking or savings account

Approx. several weeks to today XX/XX/22 I used Bill Pay on my Bank of America Checking account to pay my end of the year IRS and De State taxes. Bank of America still shows the one payment to the IRS not done and the money still in my Bank of America Checking account. I am forced to pay IRS interest on this money to the De state and the IRS because Bank of America has very poor service to transfer my funds to my accountant for payment. Bank of America feed- back on their performance has again cost me interest of non-payment. CFPB should be charging or taking legal action against Bank of America for harassing US Consumers and causing them interest to the IRS and DE state.
Product: Debt collection

I received a letter dated XX/XX/XXXX from IC System demanding a debt in the amount of {$60.00} on behalf of a doctor 's office. On XX/XX/XXXX, I responded in writing and provided information ( credit card payment approval/confirmation code and date payment was made ) which may prove the debt to be invalid. I further requested verification of the debt, such as date of service and type of service. 

Before the end of XX/XX/XXXX, I called their office to provide the information verbally and to request verification of the debt. I was told that that the account is scheduled to be reported to the credit bureau in XX/XX/XXXX ( a specific date was not provided ). The lady I spoke to advised that the creditor will be informed of my dispute and no action will be taken until such time after the debt is verify. 

Since I have received no response, a later dated XX/XX/XXXX was sent certified mail to reiterate my conversation with their staff and my dispute. On Saturday, XX/XX/XXXX, I received an email from my credit monitoring service, that IC System reported the debt to the credit bureau on Sunday, XX/XX/XXXX. 

On XX/XX/XXXX, I called IC System. The gentleman I spoke to said that the system shows the account as being on hold due to a dispute and he is not sure what happened or why it was reported to the credit bureau. 

IC System has violated my rights under the Fair Debt Act, by failing to investigate and to provide verification of the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off on My Credit Report Under XXXX XXXX XXXXXXXX Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with XXXX XXXX. XXXX. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : XXXX XXXX XXXX XXXX : Protection of personal information. 
XXXX XXXX XXXX XXXX : Obligations regarding the disclosure of personal information. 
XXXX XXXX XXXX XXXX : Disclosure of privacy policies. 
XXXX XXXX XXXX XXXX ( b ) : Accuracy of credit reports. 
XXXX XXXX XXXX XXXX ( d ) ( 2 ) : Exclusion of certain transactions from credit reports. 
XXXX XXXX XXXX XXXX : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : XXXXXXXX XXXX XXXXXXXX This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

CitiBank and XXXX XXXX XXXX according to 15 USC 1692E false misleading representation the threat to take action that can not legally be taken or that is not intended to be taken The false representation of implication that cell referral or other transfer of any interest in a debt shall cause to consumer to lose any claim or defense to payment or the debt or become subject to a practice prohibited. 14 the use of any business company or organization name other than the true name of the debt collector 's business company or organization. 16 The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681A f of this title. According to 1692F on fair practices two it states the acceptance by a debt collector from any person of a check or other payment instrument posted by more than 5 days unless such person is notified in writing of the debt collectors intent to deposit such tech or instrument not more than 10 or less than three business days prior to such deposit. Also the collection of any amount including any interest fee charge or expense incidental to principal obligation unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Number six ( 6 ) taking or threatening to take any non-judicial action to affect disposition or disablement of property. Notice provisions The sending of or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by the title 16 title v of gram leech Bailey act 15 USC 6801 or any provision of federal or state law related to notice of data security breach or privacy or any regulation prescribed under any such provision of law shall not be treated as an initial communication in connection with a debt collection for purpose of this section. According to 15 USC 1692 I legal action by debt collectors in case of an action to enforce any interest in real property secured the consumers obligation bring such action only in a judicial district or similar legal entity in which such real property. It has been brought to my attention according to 15 USC 1692 ( J ) furnishing creation deceptive forms a it is unlawful to design compile and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor or such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owe such credit tour when in fact such person is not so participating. It is also true any person who violates is section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692K of this title for failure to compile with a provision of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following inaccurate, information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma advertised Pre-approved cards on my account that were false
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account : Bankruptcy XXXX XXXX, as per Report ID : XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions