23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2021 my husband and I did a loan modification with a previous company, after the modification was approved but before my payment was due they sold our loan to BSI Financial. My payment was due on XX/XX/2021. I contacted BSI as soon as I had their information, and was told that the process could take up to 10 days to get transferred over and to not make a payment until they had the loan documents. I explained that we had just been approved for the modification and they assumed me that I had nothing to worry about that it would be honored and my payment amount would be the new modified amount. I waited the 10 days, but I did keep checking online to see if I had an account yet, I called them back after 10 days. Still had no information, again I was assured everything would be fine and that this was not uncommon and there was a 60 day period before they would charge any late fees or report me to credit agencies for non payment. Finally in XXXX, they finally had my information and had created an online account for me. However they did not have the modified information, when I asked about it I was told that they had just gotten the documents from the other company and it was in the process of being updated and again was assured that everything would be fine and to make the modified payment, which I did. After that I called them twice a week to check the status, each time I was given a different reason as to why the information was not updated. I was assigned a point of contact whom I reached out to but could not get in touch with and could not get a return call. Each time I called customer service, I was told I needed to speak to the POC and each time I explained that I had been trying. Finally it got to the point that I called everyday. I was even told at one point that they had not received my modification package from the previous company so I told them I would reach out my self and ask them to resubmit it to them and I also sent copies to them my self. The rep that I spoke with stayed on the line to make sure they came through and once they did she told me she would get it to the appropriate department. Fast forward to just short of one year, and my account it still not reflecting the modification, I still can not make payments online, I have to call it in each month and go through the whole process as to why I am not going to pay a fee to make my payment. I still can not get in touch with my POC after multiple phone calls and messages left. If I log into my account I can see my payments that I have made but it says they are unapplied. I don't know what is happening with my money at this point. I am extremely frustrated!!
Product: Checking or savings account

I'm sorry if this is long winded. All events happened in XX/XX/2021. I'm filling this out without all my documentation with me, but I can provide dates at a later time. 

So it all started when I ran out of checks and couldn't pay my rent. I went and bought two money orders one for {$1000.00} and the other for {$440.00}. I put my landlord 's name on them and gave them to him. A couple of days later, the super returned the money orders to me and explained that he couldn't deposit the money orders via his bank because they didn't accept mobile money order deposits. So he endorsed the money orders and gave them back to me. 

I have XXXX XXXX  and I also am not able to deposit money orders on their mobile app. So I went to Chase Bank, who I have a credit card with, and opened a checking account using the money orders and additional cash that I have. I made sure to confirm that I would be able to deposit the money orders with the employee assisting me. 

About a week later I received an email stating that my new checking account was being closed due to suspected fraud. I went to a branch to figure out the issue and they said that due to a credit freeze that I had put on, due to a previous identity theft earlier in the year that the opening of the account was fraudulent. I replied that I had shown them three IDs while opening the account. They did not have a response. They then explained that the cash I had deposited will be mailed back to me, but that the money orders I had deposited would have to be claimed by the person whose name was on them and that they would have to come in with the ID and speak to bank staff. 

I speak to my landlord to convince him to go with me to the bank and he then explains to me that the name he goes by is not actually his name because he is an XXXX and his name is too confusing for Americans and that's why he goes by XXXX. 

I call Chase bank and try to explain to them that the situation and that the name on the money orders is for someone that does not exist. They are also not money orders anymore as they have been cashed by Chase. I've spoken on three or four different occasions and unable to find a resolution to this. I keep being told that the person who the money orders were originally made out to has to come in and speak to someone at a branch. But this person doesn't exist. It was even suggested I wait seven years when the money goes to unclaimed property. 

Is there anything you can do to help me?
Product: Debt collection

Complaint is against TD Bank Credit Card Division ( phone XXXX ) Context : - I bought a Proform Treadmill using TD Card Financing in XX/XX/year>. 
- TD Card account number XXXX- I made the initial payment of around {$180.00}. I set up auto-pay for the other installments. 
- The auto-pay apparently never worked. I did not receive notification from TD Bank for the same - I received a physical letter from TD Bank on XX/XX/year> stating my account is overdue - Since then ( TD Bank has all the records of the conversations as confirmed by them ), I have been calling TD Bank to make the payment with no avail. 
- In XXXX, I was told my account has been given to Collections. 
- I was told account is with collection agency called XXXX ( phone - XXXX ). I have been repeatedly calling XXXX. For nearly a month I was told they don't have my account- In XXXX, XXXX told my account is with another collection agency called XXXX XXXX. When I called XXXX XXXX ( XXXX ) XXXX ), they confirmed they do NOT have my account - To convince TD Bank that my account is not with collections, I had a conference call with the representative of XXXX XXXXy and TD Bank ( XX/XX/XXXX ). This call is recorded by TD Bank - Finally, TD Bank agreed to their missteps and said they will rehaul the account, that is claim is back from collections and bring it back to TD Bank. today is XX/XX/XXXX, I want to make the payment, have called multiple times and I still do not have a way to make the payment. 
- Additionally, they gave me the website links to experion and asked me to write to these agencies directly to fight the impact it had on my credit score Impact - TD Bank reported to credit bureau and my credit rating has been severely affected. My credit score was never below XXXX before this. 
- TD Bank increased the amount I owe them to over {$4000.00}. The cost of the brand new equipment is {$1800.00}.
Product: Credit card or prepaid card

I initiated a balance transfer to receive 0 % interest on a large balance that XXXX of my authorized users racked up. I pay all of my bills in full monthly, but once I saw that he no longer could, I moved the balance to this card. I understood this balance transfer to be separate from my other charges, which I pay in full every month prior to the transfer and did so once the balance was transferred. Unbeknownst to me, because I had transferred a balance to this card, and was still having other charges, the promotional apr of 0 % was nullified and then I got interest charges. I called asking why and they reversed the charge. I called again asking how much I need to pay to avoid any future interest charge, thinking it came because of the transfer fee and they said I have to pay in full now since I had purchases. Huh??? I never heard of this in my life. If the transferred balance is 0 % until XXXX, why is it now due in full because I made a purchase? I assumed that my transferred balance was separate from any new charges as those were eligible for interest if not paid in full, however since I always pay them in full, why did it nullify the balance transfer terms. The call was so frustrating. The XXXX rep continued to say I missed a payment when I had a XXXX balance in XX/XX/XXXX. After finally getting her to understand I had no balance, she then transferred me to someone who told me I will get charged for interest as long as the card is being used. I would have never accepted this offer if I knew that. I think it's crazy that the promotional balance is mixed in with the standard purchases. They basically sucked me in to bring over a high balance to then nickel and dime me on my regular purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with a collection that is reporting as open which is illegal and a collection can not be an open account, they continue to change it to closed and then they change it back to open this is illegal and there are unauthorized inquiries I have sent in multiple times and they do not do anything about them
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax to remove inquires off my account that I did not recognize. Their response was that I had to submit supporting documents to remove the inquires. I stated to the Equifax representative that I would have not supporting documents since the inquires were not authorized by me. Unfortunately, they kept saying I need supporting documents. 
The Inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a debt collection account that I did not authorize, which has been reported on my credit report. This account has caused significant harm to my credit standing and has negatively impacted my financial well-being.
Product: Consumer Loan

You stated that it was not assigned to a different lender, so give me the EIN numbers of XXXX XXXX XXXX and also the EIN number of XXXX before they changed their names to Wells Fargo Dealer Services. And the last XXXX numbers of Wells Fargo Dealer Services 's EIN number as of todays date.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX XXXX  that does not even contain my reasons for the dispute is by no ones measure reasonable XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC attached a SECOND TIME Experian claimed to not have received my FTC and identification and ss,, I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX My social security number is XXXX and my date of birth is XX/XX/XXXX address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX there a collection account on mycredit report from XXXX XXXX  the account is fraudulent experian supposed to block it from my report I also filed a federal trade commissions report please have experian removed this item
Product: Credit reporting or other personal consumer reports

Under the FCRA U.S.C. 15 1681i, transition has not updated or deleted my credit profile in the 30 days allotted by this law. I have requested directly and indirectly through the cfpb, to have them remove the errors on my report. They have taken no action and therefore I would like the cfpb to take action.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I tried to contact the companies explaining the situation, I also sent in a copy of my id, so they could see my identity, but they refuse to remove & told me I needed to make a police report for identity theft, but a police officer told me I could n't make a report because it was over XXXX years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

When I came to this country my friend co-signed on a private student loan through  Discover i n which I make on time automatic payments each month for. He fell on hard times and filed bankruptcy.   XXXX   is reporting on my credit that the account was included in bankruptcy which is not correct for my status and is completely ruining my credit and inhibiting me from using it. In the attached document it is very apparent that  XXXX  and  XXXX  are reporting correctly and  XXXX  is not and the score on  XXXX  is  XXXX  points lower. If I had filed bankruptcy do you really think my scores would be in the high  XXXX  's. I have perfect credit and expect this to be addressed and corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. Account Name : XXXX XXXX XXXXXXXX ( ). Acct # XXXX Please update the account as Paid in full and closed/Current. My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help with this matter,
Product: Student loan

My first student loan payment to Sallie Mae was due on XX/XX/2021 in the amount of {$310.00}. I can not afford this amount per month as I am in my first job since i graduated college. I have tried to get ahold of sallie mae on many different occasions and by many different ways of communication. Every time I call, I can not get to an agent because they are always " busy '', even when i stay on the hold line for XXXX minutes. when I tried to communicate with them via their online chat system I went through the automated message system before choosing the option to speak with an agent and again was told that all agents were busy and I should try again at a later time/date. Additionally, in my time chatting with the automated message system, i was told that sallie mae does not offer any type of income based repayment options and only offer deferment for those participating in an internship or residency. This causes concern that I will not have another option, especially considering they are almost impossible to get ahold of regardless of how much they preach that they are there for work with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX LexisNexis Consumer Center Attn : Escalations XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX : XX/XX/XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. 
This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. 
Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA. ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violaitons
Product: Checking or savings account

I placed an order for an item on XXXX website on XX/XX/2021. I spoke into a person via chat on XXXX website the persons name is XXXX. He explained that the order was already processed and there was nothing he could do on his end. He explained that I needed to contact the bank and to to do a dispute form that there was an error on their side of the end. And I am sending you guys documentation. TD bank says there is no error. That I needed to contact the merchant which I already did twice. And I sent them TD Bank the dispute department documentation I am sending you more documentation which you should have. I would like to get my money back which was {$75.00} that I tried to place an order and I didnt get the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being a victim of identity theft I'm disputing the unknown, unauthorized accounts that's reporting on my file, and the data is currently being updated as if the fraudulent illusion was accurate. However, I'm demanding that these accounts be blocked immediately and the data reporting be stopped and removed, unless the credit reporting agencies can produce a legal certified tangible document that binds me is such signed contract, until then I'm loudly demanding that the following accounts be removed, ( # 1 ) XXXX XXXX XXXX {$1500.00}, ( # 2 )  XXXX XXXX XXXX {$130.00}, ( # 3 ) XXXX XXXX {$13000.00}, ( # 4 ) XXXX   XXXX XXXX, ( # 5 ) XXXX  XXXX  c {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/XXXX, but didn't have any luck. I also filled out a Identity Theft Report ( FTC Report Number XXXX ) Delete Hard Inquiries New American from XX/XX/XXXX XXXX  from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX
Product: Credit card

I transferred $ XXXX, they charged me a 4 % transfer fee they have a fixed apr of XXXX per year, but they charge you a 3 % on your remaining balance every month. This is not a deal!!!! 
I thought I was just getting 5.99 % per year, NOT in addition they charge 3 % on $ XXXX or less each month that you have this card. 
FirstBank Credit Card
Product: Credit reporting or other personal consumer reports

One morning, I checked my credit report and there it was. Inaccurate accounts. Inaccurate accounts that I have no idea about. I don't know why it got there. I also don't know why it is reporting as mine but I know that IT IS NOT MINE. Which is why I want my documents to be checked thoroughly.
Product: Credit reporting or other personal consumer reports

I have been told on numerous occasions from XXXX XXXX XXXXE that my credit card account XXXX was sent over too all three credit agencies XXXX XXXX XXXX XXXX and Experian to report my credit card account. I only see my credit card account reports to only XXXX. And doesnt report too the other two credit bureaus.
Product: Checking or savings account

I have called Ally bank several times waiting an hour each timeAnd have not received a response. They apparently do not answer the phone or have enough personnel to answer therefore I can not have my mature CD sent to me by direct deposit.
Product: Mortgage

House inherited to me by my father. House payments too big for me to pay. Requested loan modification in XX/XX/XXXX. Loan modification trial started for 3 months ( XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX for XXXX. Documents sent me in XX/XX/XXXX requiring my signature and one of the papers required notary public emblem. Required papers was sent before XX/XX/XXXX. which was the deadline. Mortgage company stated they had received all of my 3 trial payments but did not received any of the documents that I was required to signed and returned to them, so they dropped me. They made 2 more Loan modifications, but they were over {$900.00}. I could not afford to pay I sent them a letter of appeal request them to reduce the amount to {$450.00} -- which was due before XX/XX/XXXX. -- received letter from them 30 days later informing me they have rejected my request for a reduced loan modification. Loan company and then proceeded to place my home on foreclosure.. I did not retain copies of the required documents nor due I have the tracking number.