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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This bill was paid and shut off before we moved I had a XXXX balance when closed I dont believe its fair to me to have to fight to remove this off my credit as I do not owe them money I would like to ask for removal from my credit thank you in advance
Product: Credit card or prepaid card

I worked with TD Bank for months to resolve a disputed transaction dating back to XX/XX/XXXX. It required countless calls, faxes, and follow-ups to them to get the situation resolved. On XX/XX/XXXX, they issued a provisional credit to my account in the amount of {$58.00} labeled XXXX XXXX. This is shown in the attached statement for period ending XX/XX/XXXX. On XX/XX/XXXX, TD Bank mailed a letter ( attached ) indicating the review of the dispute had been finalized, and the provisional credit previously issued was to be final. On the statement for period ending XX/XX/XXXX ( attached ), there was a charge on XX/XX/XXXX for {$58.00} labeled XXXX XXXX. On XX/XX/XXXX, I called their customer service department to inquire about the charge. The representative confirmed that the dispute had been resolved in my favor and there was no reason for a reversal to be processed. She indicated that I would be re-credited the {$58.00}, and it should hit my account within five days. As of XX/XX/XXXX, the credit has not been issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act my rights have violated. 

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 united accounts- {$4100.00} XXXX XXXXXXXX XXXX {$2000.00} XXXXXXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXXXXXX capital XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing back and forth with credit reporting agencies in reference to inaccurate information causing damage to my credit profile due to improper reporting causing my score and creditability as a consumer damage. This company has reported SEVERAL ERRORS on my behalf causing me hardship in obtaining credit. I would like for a PROPER INVESTIGATION TO BE COMPLETED ON THE LAST DATE ACTIVE, CREDIT LIMITS AND AMOUNTS DUE, DATES ACCOUNT WAS OPENED AND CLOSED AND A PROPER REASON AS TO WHY I DONT HAVE A FULL REPORTING STATUS FOR EACH MONTH IN WHICH I HAD POSITIVE PAYMENTS.
Product: Student loan

I have asked Navient several times for an income driven repayment plan as I do not have a high income. I was told that they do n't have options for income driven and that my only option was to place my loan in forbearance. I felt pressured into forbearance and was told it was my only option for payment if I could n't afford my high payments. I was never told that I could pay portions during forbearance or that I could put certain loans into forbearance and not others. Forbearance has only made my debt worse and I had to take out a loan from a family member to cover the debt caused by forbearance.
Product: Credit card or prepaid card

Made a payment with a telephone customer service rep, who could not resolve the access problem I was having with the online account. She could not understand why the online account was still locked after she made a password change. ACH payment was taken on  XX/XX/XXXX  and subsequently rejected for insufficient funds on  XX/XX/XXXX . Target did not resubmit to the bank for second attempt at payment and held the pending payment until  XX/XX/XXXX  before cancelling payment and charging account for late and returned check fees. Calls to and from Target card services, CS reps could not give any details as to what happened and why. My bank stated that ACH was submitted only once.
Apparently, this is a Target policy to collect more fees from customers by only submitting an ACH once.
 XXXX  complaint only got a response from Target that said to call   XXXX   number which can only get to a live person after about 10-15 different attempts at getting out of voice jail. Attempt to get to a supervisor was not possible.
Product: Mortgage

Wells Fargo Home Mortgage services my loan. XXXX # XXXX. At their prompting I began to set up online access to my loan for information and payments. While reviewing the terms and conditions I found language that would give Wells Fargo permission to disregard some of the benefits granted by the VA loan guarantee. In particular, VA loans require that lenders allow early payoff without penalties and fees. If I had agreed to the terms and conditions I would be giving Wells Fargo the right to decide whether they wanted to allow early payoff or not. I clicked that I did not agree with the Terms and Conditions and stopped trying to access Wells Fargo online. I received numerous emails requesting that I finish setting up the online account. I spoke to Wells Fargo Home Mortgage on the phone to stop the harassment. I was informed that I would continue to receive emails because they were automated. They said if I wanted to stop them I would need to finish setting up an online account and go through the notification preferences. I explained that was not an option because I was unwilling to sign away the benefits of my VA guaranteed loan. They lied and said that I would not be doing that. I informed the customer service rep that the language was indeed in the terms and conditions they said that Wells Fargo would never exercise that condition. I requested that I be mailed a paper copy of their online terms and conditions. My request was refused because I had chosen to not participate in their online services. I wonder how many Vets have unwittingly signed away their protections just for the privilege of making online payments?
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates.

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses- remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching account # incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Product: Credit card or prepaid card

Bank of America has mis-handled the depositing of their balance transfer check, advised a XXXX XXXX to a Bank Account after they mis-handled the balance transfer and misapplied a {$8400.00} payment to the lowest interest rate ( two balance transfer with 0 % interest ending XX/XX/XXXX and XX/XX/XXXX ) rather than the XX/XX/XXXX purchases of {$8200.00} and {$160.00}. This has resulted in Bank of America charging me {$80.00} which is 21.49 % of a {$4800.00} purchase balance. This is all reflected on the XX/XX/XXXX - XX/XX/XXXX statement. I don't know how the recent {$8000.00} Balance Transfer is being classified or if the 0 % promotion was done correctly. This was not reflected on the most recent statement. In addition, the representative at Bank of America could not see how the most recent Balance Transfer is classified. I have many may phone calls to Bank of America over the past month and they refuse to admit wrongdoing, refund the {$20.00} bad check fee from XXXX XXXX  and violating how payments in excess of the minimum payment should be applied. I believe Bank of America believe I am ignorant regarding their illegal actions which violate the Credit Card XXXX of XXXX. Please reference the chronological order of my transactions with Bank of America : XXXX {$200.00} payment that for fill the minimum payment XXXX {$8200.00} Purchase XXXX {$160.00} Purchase XXXX Payment of {$8400.00} XXXX {$8000.00} Bank of America Check was deposited into XXXX XXXX  checking account. 
XXXX I returned a phone call to Bank of America Fraud Department before the XXXX deadline to verify the {$8000.00} check. 
XXXX Bank of America rejected the {$8000.00} check payment request to XXXX XXXX XXXX The previous Bank of America employee never release the Fraud hold so the check could be paid. 
XXXX Bank of America refused to pay the {$20.00} bad check fee charged by XXXX XXXX XXXX The employee advised us to call back after the {$8000.00} hold that was placed on the credit card. The employee suggested a Bank Direct Deposit to avoid the same type of problem. 
XXXX Bank of America did a Direct Deposit Balance Transfer of {$8000.00} to the XXXX XXXX  checking account. A fee of {$320.00} was charged for a direct deposit fee. 
XXXX Statement Credit of {$88.00}??? 
XXXX {$300.00} Payment XXXX Phone call to Bank of America concerning how they misapply my XX/XX/XXXX {$8400.00} payment. I told them they misapply of {$8400.00} payment leaving me with a {$4800.00} purchase balance which was accessed {$80.00} in interest charges. I ask them to reapply the payment to the total {$8400.00} purchases, they refused. I ask them to forgive the {$80.00} interest charge, they refused. Bank of America they have the right to apply anything beyond the minimum payment to any existing balance transfers. I am wary that they even apply the {$8400.00} payment to my most recent balance transfer of {$8000.00} on XX/XX/XXXX.
Product: Checking or savings account

In May of 2023 my account had strady deposits from my paycheck ( Bi-weekly ) and XXXX XXXXXXXX depositing money in my account monthly. Bu the ens of XX/XX/ my bank statements reflected that my account was overdrawn by {$190.00}. In XXXX the company I worked for experienced a dilemma with Pay roll and had to givw us checks instead of the normal Bi-weekly Payroll. This caused me to leave my account overdrawn because I had to quickly pay bills because I usually pay threw my account. In XXXX my company Payroll was fixed and when I tried to have my direct deposit resumed, I was told my account was closed due to being overdrawn by {$97.00}. {$130.00} deposits into my account monthly so I had no worries to deposit any money onto my account. I feel like the reason for my account being closed was not my fault and I would like to continue to have my account due to no fault from myself but due to the payroll issues with my job. I currently still employed and would like to continue to have my direct deposits sent to Capital One because they are a great bank.
Product: Mortgage

On XX/XX/year>, I contacted Pennymac about accessing some of my equity to do some repairs on my XXXX manufactured home with XXXX acres of property. Pennymac holds my current loan. I spoke with XXXX XXXX throughout the whole loan process. They charged {$650.00} for an appraisal. Many weeks later, I get a call. There is a delay on the loan until XXXX. A few days later she calls and Oh, I am sorry to tell you the loan was declined. It was declined because they don't do conventional loans on XXXX XXXX manufactured homes. So, now you have to apply again, submit all new current documents and we will try for an FHA loan. and that takes another appraisal. So, a different day, I speak with someone different at Pennymac. I talk to someone to help with this. She says .... let me check something. oh! Pennymac doesn't finance XXXX manufactured homes at all! Tough luck! Meanwhile, because I was assured my loan was going well, I scheduled some work done on my home. {$4000.00} + I paid it with my credit card, Maxing it out, knowing it would be paid off in XXXX! Now that my loan is not available, to pay off the bill. Now, my credit score has tanked XXXX points!! Who will finance me now? 
They finally refunded my {$650.00} for the appraisal! But what recourse do I have for my credit score? Pennymac needs to address my credit score problem they created with all the credit reporting agencies and make this right with me somehow. They are the subject matter experts about loans and they screwed me over royally with their ignorance of their own loan process! Now, not one person will return my calls from Pennymac. Hence this complaint!
Product: Debt collection

This debt collector contacted my sister about my debt. They said they were trying to get in touch with me. I have talked to these people before and they will not give me the information about the debt, and I do not see it on my credit report.A debt collector recently contacted my sister regarding an outstanding debt owed to me. They indicated their intention to establish communication with me. However, I have previously encountered similar debt collectors who have failed to provide me with the necessary information about the debt, and it has not been reflected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I SENT A LETTER TO EXPERIAN WITH THE TRACKING NUMBER XXXX RECEIVED ON XX/XX/2022 AND RECEIVED A SECOND LETTER ON XX/XX/2022 WITH THE TRACKING NUMBER XXXX. LISTED TO REMOVED THOSE CHARGE OFF OF MY CONSUMER REPORT. ACCORDING TO THE IRS A CANCEL DEBT MUST BE REPORTED TO THE IRS AND THE CONSUMER MUST SENT A FORM 1099-C TO THE CONSUMER. IRS DEFINES A A CANCEL DEBT AS A INCOME. AND A INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORT. 
HOWEVER YOU RECEIVED BOTH OF MY CERTIFIED LETTER AND SIGNED, YOU ARE STILL REPORTING IT TO MY CONSUMER REPORT, THIS CLEAR A VIOLATION AGAINST THE LAW. 

THIS IS HAVE HARM DAMAGED ME AND MY FAMILY. 

15 USC 1681q OBTAINING INFORMATION UNDER FALSE PRETENSES 18 USC 1028 FRAUD AND RELATED ACTIVITY IN CONNECTION WITH IDENTIFICATION DELETE ACCOUNT THOSE ACCOUNT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FAILURE TO RESPOND TO THIS FACTORY WILL FORCED ME TO TAKE LEGAL ACTION.
Product: Mortgage

On XX/XX/2023 Select Portfolio Services DBA " SPS '' purchased the mortgage servicing of my loan from XXXX XXXX XXXX XXXX " XXXX XXXX ''. Since that time, SPS has sent me incorrect statements, incorrect collection letters, and threatened/started foreclosure proceedings ( Validation of Debt Notice dated XX/XX/2023 ). SPS has been notified of their errors ; however, they forced me to pay the incorrect amount on XX/XX/2023. 

The errors stem from a gross lack of due care and due diligence by SPS ' acquisition department. My previous servicer, XXXX XXXX, processed a Covid forberance program and loan modification - SPS did not take those into account in their statements or collection actions- and have not corrected their online or voice response unit for my account. 

SPS should process my loan modification, stop collection actions, and pay for the defensive responses I have made due to their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX. I PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I paid {$29.00} to my credit monitoring account to review all three credit bureaus and became aware that there were significant fraudulent accounts on my credit reports. After reading my rights as a consumer in the Fair Credit Reporting Act, I typed and signed a dispute letter accompanied with an Identity Theft Affidavit by the XXXX XXXX XXXX  as well. I sent all three letters and their contents to all credit bureaus, XXXX, Equifax and XXXX XXXX onXX/XX/19and I confirmed all three bureaus received them on : XXXX   Tracking : XXXX DeliveredXX/XX/19 XXXX XXXX Tracking : XXXX Delivered XX/XX/19and Equifax tracking : XXXX XXXX  delivered. I know I have to give the credit bureaus legally 30 days to investigate and process, however it is nowXX/XX/19( 40 days since the credit bureaus received my packages ) and I paid another {$29.00} to my credit monitoring accounts only to discover that NONE of the disputed accounts have been removed from my credit. I am writing to the Consumer financial protection bureau to assist me on this issue and correct it as soon as possible.
Product: Credit reporting or other personal consumer reports

Please delete this account I sent my letter a month a ago untill now I never recieved any response. Please verified it now Please XXXX XXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$230.00} 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 XXXXXXXX, XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the elimination of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Debt collection

This evening, XX/XX/XXXX, I checked my credit score and noticed it was XXXX points lower than it usually is. I had not opened any new accounts or had any inquiries since XX/XX/XXXX, when I refinanced my house. 

I did a full credit report and saw that I had a collections account for {$1300.00} from " SEQUIUM ASSET SOLUTION '' stating that the original creditor is XXXX XXXX. I had not made an account with either company nor purchased anything for {$1300.00} that I had not paid back. 

It says that the collection account was opened XX/XX/XXXX. 

Since it's the weekend that I am just finding this out, I can't call to dispute the account through XXXX until Monday.
Product: Mortgage

On XX/XX/2023 we had an appointment for a home appraisal. Our XXXX said he's been in the business for over 25 years. 

He said he'd get the appraisal back to us in XXXX days. 

XXXX days later we received the appraisal report from our lender and I found so many inaccuracies and errors! Due to the low valuation, our lender said we would need to bring {$28000.00} to the closing table! 

Before we renovated the home, XXXX estimated the XXXX to be {$200000.00} but the XXXX gave us a value of {$160000.00}!!! Almost {$60000.00} less!! 

I knew something was wrong so I looked at all of the comp homes used in the report and there were homes on the XXXX XXXX as our home, but not used in the comp! He used homes that weren't even finished yet, homes with an incorrect address and just on a different renovation level for ours. 

I wrote up a report and asked for an ROV. They reappraised the home at {$190000.00} which meant we still had to bring money to the closing table..about {$7000.00}. 

However, I believe the home would have appraised for the amount they agreed to {$200000.00} which would have meant our equity would have covered our closing costs. 

I'd like someone to investigate this company because it cost us about {$7000.00}.
Product: Credit card or prepaid card

Someone set up a Debit Express Card in the beginning of XXXX with my name on it. 
They notified Social Security to send my check to the card instead of the direct deposit that was always in place. 
When the money was sent they took it. 
I reported this to the FTC on XX/XX/XXXX. Report # XXXX. 
I contacted SSI when I found out my check wasn't deposited in my account and they told me about the Debit Express Account. 
I contacted Debit Express and they said someone established a account in my name and had the card sent to them. {$2100.00} was withdrawn. 
Direct Express sent me a card minus fees. {$57.00} was on the card. XXXX XXXX at Social Security told me to see what the balance was and to send back the card, which I did. 
Now in XXXX I get another card from Direct Express. 
I did not order one and have no intention of ever using anything from Direct Express. 
I tried to call the number on the card to cancel this and called the Fraud Line number which I had from before. There is no way speak to anyone in Customer Service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander has been in violation and its getting worse everyday. This business has some shady business practices. Ive been in default since XXXX and never even knew about the lawsuit and when I asked I was told that it didnt matter. But it does because I had to get my payment deferred a few times due to loss of job during pandemic. XXXX of XXXX I fell behind on my payment again due to being sick and out of work.. I made arrangements to pay my bill and was told I had time but a few days later I come outside to my car being gone. No notice no nothing even with my payment arrangements in place was then told I had to pay Over {$2000.00} plus repossession fees ( + {$400.00} ) all before my next due day was even due I paid get my car back then I check my credit and santander closed and charged of my account due too natural disaster. Then they changed it to closed and charged off as bad debt profit and loss write-off and its charged off every 3 weeks just about. Santander is in violation with FCRA with more than one error on my credit report. Ive had the loan for two years and santander doesnt update my balance in fact all of my payments only go to interest never to my balance also my actual online account doesnt show anything but they call me everyday asking for different payment amounts. My loan term was for 6 years 72 months but they report 6 years 82 months. They report my last payment was XX/XX/XXXX and XX/XX/XXXX I received a call back in XXXX saying I paying {$2000.00} more than needed and my balance went down.. then a week later I get a call at work demanding I owe {$700.00} from the repossession. I feel like Im being robbed and they still want me to give them money Im not even sure if they still have the debt or if they sold it. I dont trust giving them my money if they arent going to actually put it on my payments its like they are stealing it and as a consumer this is not the place to do real business. I have over a years worth of proof please help! I have way more documents if needed I can get the organized and have a folder sent by certified mail in the morning.