23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

TD Bank Charged me the payments three times in XXXX, 2016. I had called them several times to let them know their mistake and the consumer service of TD bank told me they would send me a check with the refund. So far, after 4 month I have not received any available check from them. I believe TD Bank never send out the check. They are liar.
Product: Mortgage

I started a refinance process of my existing loan back in XX/XX/2019. I wanted the lowest interest rate, lowest monthly payment, no closing costs, 30 year fixed mortgage, I am not taking any money out, and I wanted to pay the fewest points possible. I have great credit, very little debt ( 1 home, 1 car, 1 credit card that I pay off every month ) and should have been an easy in and out refinance job. 
My existing mortgage provider ( XXXX ) called me and pleaded with me to stay with them. They were in bankruptcy restructuring and did not disclose they had been sold to NewRez. I agreed to stay with XXXX to make the process quick and easy. Needless to say, it is now XX/XX/2019 and my loan still has not closed and is now with NewRez. 
My credit has been pulled multiple times and I have incurred a 31 point drop in my credit score from XXXX ( I was told multiple times that refinancing to a lower my interest rate would only impact my credit score by 1 to 2 points - this is far from what happened! ). 
My loan has unlocked at least once, the person that I was working with quit and NewRez did not move the loan to a new processor to actively work. 
After repeated emails and phone calls I finally found out my loan fell into a black hole as a result of the person leaving the company. Due to all of the missteps on NewRez 's part they PROMISED they would give me a great rate and a great deal as a result of all the hassle. This was hardly the case ... they lied to me, tried to pass thousands of dollars worth of costs to me and then pretend like they didn't ( they were shocked when I would ask, where are these costs suddenly coming from ... and pretend as if I must be mistaken, there were no costs being passed to me! They aren't the only ones that can compare multiple documents and add! Had I taken them on face value, I would have paid money to line their pockets with commission. We still have not closed, I have called their corporate office and am waiting a call back from their General Manager. 

The lies, the manipulation, and the lack of respect for people is unconscionable. There needs to be tools that guide consumers with facts about rates, closing costs, points, etc. I know I am being lied to and manipulated but I have no idea to what extent! I simply want a fair refinance, but to date this has not occurred.
Product: Debt collection

Caine and Weiner gave me the amount I actually owe XXXX and XXXX and I wanted to make payments ( 3 in total for both but had to split it in two because of separate accounts for a total of 6 payments ) and are charging me an additional {$7.00} per payment for a convenience fee. So XXXX XXXX in total conscience fees.
Product: Credit card

Accounts for Sears Matercard and Sears Credit card were paid off in full in the amount of {$9900.00} account nos. ending in # XXXX and # XXXX payment in full was sent to Sears Credit Cards payment address XXXX XXXX XXXX & XXXX XXXX, AZ XXXX XXXX date of check XX/XX/XXXX loan pay-off to SEARS/CBNA Check nos. XXXX & XXXX, they issued replacement cards that were never received it was reported lost/stolen to USPS location in XXXX, Ca XXXX and to Sears MC and Sears Credit card Customer Service only a credit limit of {$200.00} was issued on Sears MC and {$2500.00} on Sears Credit Card Another letter was sent from Sears Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX stating that on XX/XX/XXXX, will be closed there is no valid reasoning after they received. 
additional money for the fraudulent overcharges for Sears Home Services Deductible of {$100.00} using this card nos. and there failure to complete the service calls under the Sears Protect plan. All they did was complicate all their errors made but still extorted more money.
Product: Debt collection

Jefferson Capital Capital System ( XXXX XXXX ) has repeatedly called me stating I owe {$3200.00}. I explained that I never had a XXXX account and XXXX XXXX Investigative Team advised this would be removed after I have disputed this account online several times. Jefferson Capital has started calling me repeatedly and I have blocked their number. This company has reported this inaccurate information on my credit report. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are once more requesting to have our closed XXXX XXXX XXXX account corrected. 

This has been an ongoing problem, in that our closed ( XX/XX/XXXX ) car account has been used to suppress our credit score. 

The closed account has been updated many times now and it seems to always return to being a problem. The account shows it being closed XX/XX/XXXX, yet it has payment history going on to XX/XX/XXXX. The " TERMS '' used or should be showing Terms : 48 but is now blank. The CLOSED ( XX/XX/XXXX ) account is now showing : NEW ACCOUNT. 

Can this be address and locked as to prevent known further suppressing of my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX sent a letter regarding inaccurate and unknown things on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.
Product: Mortgage

I refinanced my mortgage with Freedom mortgage. The closing was done on XX/XX/2021. The paperwork stated e loan will be disbursed on XX/XX/2021. I checked on XX/XX/2021 with my existing mortgage servicer and I was informed the loan had not been paid off. 
I called freedom mortgage and I was told the loan would be disbursed on XX/XX/2021. I kept asking for an explanation of why I was not informed of this delay and none gives me an explanation. 
I checked today XX/XX/2021 and my existing mortgage servicer tells me the loan has not been paid off. Freedom mortgage tells me they have paid off the loan. I asked freedom mortgage for proof and they say that they can't provide me that information. 
I am worried since today is the XX/XX/2021 and I am past due on this mortgage for no fault of mine because freedom mortgage did not take care of funding the loan in time after closing.
Product: Credit reporting or other personal consumer reports

Equifax I am reaching out to you due to the difficult time I am having right now. I don't quite understand how someone can have so much power over your credit. I never gave consent to anyone to open these accounts or to apply for anything in my name. These items isn't mines and needs to be removed from my report.
Product: Credit reporting or other personal consumer reports

Ally financial shows late for XXXX, XXXX and XXXX on all 3 credit bureaus but it was not late in those months
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not consent to this UNFAIR and INACCURATE information to be reported to MY consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer
Product: Credit reporting or other personal consumer reports

I KINDLY REQUEST YOU BLOCK THIS INFORMATION FROM MY CREDIT REPORT, PURSUANT TO SECTIONS 605C OF THE FAIR CREDIT REPORTING ACT.I AM A VICTIM OF XXXX XXXX XXXX XXXXXXXX AD WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry that appears on my credit report. I did not authorize this inquiry and believe it may be a result of identity theft or an error. 

Details of the Fraudulent Accounts : Inquiry 1. Date : XX/XX/year>. Source. XXXX XXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

XXXX store card issued by Synchrony Bank was closed with no notice written or otherwise in XX/XX/2020 in violation of current banking regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXXXXXX  Date of inquiry : XX/XX/2022 Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.
Product: Debt collection

I have never heard of Midwest Recovery. Last week, I saw XXXX collection accounts on my credit report ... XXXX for {$720.00} and XXXX for {$720.00}. I have NEVER had any dealings with these people, and they failed to provide me with the letter that is required by law before reporting to the credit bureaus - therefore denying me the right to 30 days to dispute the debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bunch of errors was being stated in my XXXX XXXX XXXXXXXX, I have sent out letters to both Bureaus and Creditors about the erroneous information but they have neglected my request of submitting to my address any proof or documents to validate the accuracy of their investigation. They failed to meet the XXXX XXXX requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the car dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. I contacted the police and FTC. These are the items : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX employer XXXX : Self employed Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within XXXX  days.
Product: Checking or savings account

I own a XXXX business and signed up with chase bank to be able to accept credit cards. The first credit card transaction I accepted roughly a month ago was flagged by chase and put on hold for almost a week and was ultimately deposited into my account. Fast forward to yesterday I accepted my second credit card transaction from my customer and chase flagged it again and said I have to wait a week before its deposited. They claim this is all for customer safety but it is just tying up my liquidity for my business. 

Branch manager called back office executive office and made them aware so I assumed it would be sorted out but the money is still tied up and frozen by chase and I have received no call from them. Not the branches fault at all it is back office corporate side that is absurdly tying up and freezing my money. This is two for two this has happened it is happening 100 % of the time when I accept a credit card payment. I suspect its because I am a XXXX veteran I am being discriminated against. This is very stressful for me and hurting my XXXX XXXXXXXX business-please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. This account is fraud. Please delete it immediately. I have never even owned an account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX XXXX XXXX on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. This inquiry is also over 24 months old, which is a violation of the FCRA to continue to post to my credit report. Please help me to get this business to delete the inacurrate and unverifiable inquiry from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$2600.00} & XXXX XXXX Balance : {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not got a response from them and its been over 7 weeks. It is my understanding that they are to block fraudulent items in 4 days. they now have multiple violations. See attachments
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX are reporting the account listed as XXXX  account number XXXX incorrectly. There are several inconsistencies within the account that means they have not done a reasonable investigation into this account. 

Account Status : Derogatory Derogatory Closed Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$450.00} {$0.00} {$0.00} High Credit : {$740.00} {$740.00} {$0.00} Credit Limit : {$400.00} {$400.00} {$0.00} Past Due : {$450.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Product: Bank account or service

XXXX XXXX does not honor their over draft policy and bank of America co horsed and did n't give me my overdraft services like my banking contact says. Then they give me a low daily limit so i cant get all my money at once.
Product: Mortgage

We have had significant damage to our home from rain and hail. This occurred XXXX XXXX, 2016. The insurance company responded promptly to inspect the damage and issue an initial check payable to us and Ditech Mortgage ( a XXXX XXXX ). The first check was issued XXXX/XXXX/2016, After receiving the WRONG information from Ditech, the check was sent to them for endorsement. They sent it back for us to endorse first. We did not receive a check from Ditech until XXXX/XXXX/2016 after providing receipts and bids to complete the work. 
Ditech withheld 5 % of the funds at that time, which they can not give me a satisfactory reason why. The processing time is suppose to be XXXX to 10 days. I am told they are busy. The customer service is rude and they repeatedly hang up or take 20 minutes to transfer me to claims. 
A second check was issued on XXXX/XXXX/16 and overnighted to Ditech for processing. On XXXX/XXXX/16 the requested progress pictures which were sent immediately. Bids, XXXX ; s, lien waivers have been faxed. Windows and garage doors are custom made and can not be ordered without partial payment. Still Ditech is dancing around with sending the funds and as of today they can not tell me how much and when they will send the funds. They just send a new letter with some other required document and delay processing. The roof was completed on XXXX/XXXX/16 and funds have not been sent to complete payment. Windows leak the garage doors do n't work right and they tell me they are busy. This is XXXX. Everyone in our neighborhood has had damage from this storm in XXXX. No other mortgage company has been as hard to work with than Ditech.
Product: Credit reporting or other personal consumer reports

The company recently sent me a letter stating my balance owed is {$0.00} but the account is reflecting that I owe {$15000.00} on my consumer report. There is obviously a discrepancy between the company and the reporting agencies which appears to result in erroneous/inaccurate information being reported on my consumer report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report. within four business days, pursuant to section 605C of the fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no cerdit scores, the credit bureau has me as deceased. I have contacted Experian with no reslove. I am not sure what to do now. Hopefully you can help Thank you
Product: Debt collection

A collection agency listed a debt on my credit report. In early XX/XX/2019I asked for information in writing regarding this debt. It has been six weeks so far and I have not heard from them. I want this debt taken off of my credit report but I need to know what it is and if it's even true but there's nothing I can do if nobody will contact me. This should not be allowed to happen.
Product: Credit card

I received a notice on XX/XX/2023 from XXXX XXXX that my account was going to be closed due to " Unsatisfactory credit and/or derogatory public record references ''. But they didn't how they determined this. No credit bureau information was listed. 

I have credit scores from all XXXX companies in the high XXXX, and I have never paid a credit card or loan late, so this is a complete shock to me. I tried to call their number but they said I had to do it in writing. So I wrote them a letter. This week it was reported on my XXXX credit report that XXXX had closed my account. But they never bothered to get back to me. 

I got a notice today saying they needed to get in touch with me. So I called the number on the notice, but there was no way to talk to a human being. 

I don't care about my credit card since I don't really use it, but it really disturbs me that they are saying I have bad credit when I don't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I am filing this report for my self. I do not need any assistance to contact your company about my rights and the violations that have been committed against me by your company. I am disputing an account that is appearing as a charge off on my consumer report. XXXX XXXX XXXX is reporting the account [ account # : XXXX ] with an inaccurate late payment. Delete this account Because Experian is reporting XX/XX/2020 as 30 days late, XXXX and XXXX are reporting as paid on time. This is a violation of XXXX XXXX standards as Experian claims to have already investigated the accuracy of this account. Delete for violation of section 623