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

XX/XX/XXXX of XXXX TD BANK PUT A HOLD ON MY ACCOUNT I HAVE ON BALANCE {$2100.00} THAT WAS DEPOSIT FROM MY EMPLOYER AND ALSO A CHECK FROM XXXX XXXX TAXES THAT GOVERNMENT WAS GIVING EVERY MONTH, I CALLED TD BANK AND ALSO WENT TO THE BRANCH AND ALL THEY TELL ME IS THAT MY ACCOUNT IS BEEN CHECKED AND THAT SOMEONE WILL CALL ME AND UNTIL NOW I HAVENT GOT A CALL BACK OR NOTHING I CALLED ON XX/XX/XXXX AND TD BANK CUSTOMER SERVICE SAID THAT THEY WILL INFORM THE PERSON IN CHARGE OF THE CASE AND I SHOULD RECEIVE A CALL WITH IN 5 BUSINESS DAYS AND I STILL HAVE RECEIVE A CALL THEY STILL HAVE MY MONEY ON HOLD AND NO ONE FROM TD BANK HAS AN ANSWER FOR ME OR EXPLAIN TO ME WHAT IS GOING ON. PLEASE HELP ME SOLVE THIS ISSUE BECAUSE IM HAVING REALLY BAD FINNANCIAL PROBLEMS AND I NEED THE MONEY. THANK YOU SO MUCH HAVE A GREAT DAY.
Product: Debt collection

On XXXX XX/XX/XXXX I received a demand payment notice regarding account number XXXX dated XXXX XX/XX/XXXX from XXXX collections agency for an unpaid XXXX XXXX debt of {$1800.00}. 
When calling the company, the female debt collector stated the account was attached to my social security number. I demanded to know how did XXXX gain access to it and personal information since there was a security freeze put on my credit files in XXXX, and another one put into place in XXXX after reporting identity theft in XXXX of that year. I stated that someone had used my personal information to open a XXXX account and then created a bill in spite of the security freeze placed with all three credit reporting agencies.
Product: Credit card

I submitted payment on XXXX XXXX credit card payment app, on XX/XX/XXXX, the app said it would post XX/XX/XXXX, they posted it XX/XX/XXXX and charged me a late fee. This does not seem like fair business practices
Product: Credit reporting, credit repair services, or other personal consumer reports

This is infuriating! Despite the mane dispute letters and CFPB complaints I have been submitting, the Experian and XXXX Credit Bureaus have been doing nothing! I have been requesting that the Credit Reporting Agencies stop their erroneous reporting by removing the disputed accounts completely from my Credit File. I recently sent the Credit Bureaus a dispute letter complaining and requesting that the Disputed accounts immediately removed however, the Credit Bureaus have become negligent and stubborn. For the past months, I have been requesting that the Credit Bureaus send me copies of verification supporting the Credit Bureaus claims that the disputed accounts are verified. I took the liberty to investigate my own Credit File, since the Credit Bureaus are not doing their job, and took notes of the following : a ) there is an address that is till appearing to my Experian Credit File which I classified as inaccurate address and needs to be removed ; b ) the reported charge off account still indicated a balance despite the fact that it is a charge off account ; c ) the reported repossession account is an erroneous account and must be deleted as soon as possible ; and d ) there are information and accounts that are already deleted from the other Credit Bureaus but are still reporting on my Credit File, if the Credit Bureaus took the same action to verify the disputed accounts, why is it that some Credit Bureaus still indicate these accounts on my Credit File? Under the Fair Credit Reporting Act, Credit Reporting must be accurate! I need the Credit Bureaus to remove the following accounts completely from my Credit File : XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX XXXXXXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Checking or savings account

The bank accused me of being a collaboration with " Scammers '' which I was not. Closed my account with not time to give me to apply for an account at another institution. Considering half of my funds went to that bank and at the time my son 's also. After all was said and done Wells Fargo hit me with over {$10000.00} in fees and charges. Which I still have not paid to this day. Caused me undue stress and anxiety. Yet the account I opened to send funds to was compromised before I even got 1st deposit. No one knew of this account. It was only opened for 2 weeks before someone tried to steal $ XXXX from it which wasn't even in account because just opened. I only found thus by an article. So if there is further information you need that I couldn't provide at the time of this complaint filed please feel free to contact me at phone number or email
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX this law firm XXXXXXXX XXXX XXXX is in direct violation of the Fair Credit Reporting Act ( XXXX XXXX acct number XXXX ) and has violated several of my rights. 

15 U.S.C section 602A .Clearly states I have the right to privacy 15 U.S.C section 604 A section 2 : it also states a consumer report can not an account without my written instructions 15 U.S.C exclusions state transactions can not be listed on consumer reports per Experian report number XXXX prepared on XXXX XXXX for XXXX XXXX XXXX XXXX XXXX / XXXXXXXX XXXX XXXX is listing type of loan note : unsecured : date opened XX/XX/XXXX : address id as XXXX : which is not my address credit limit or original amount of {$8900.00}. terms 60 months recent balance of XXXX balance wrong payment history from XX/XX/XXXX to XX/XX/XXXX. It also says loan modified if the loan was modified I would have to agree to terms that were never presented a modification not showing a payment history of XXXX XXXX XXXX XXXX 180 days past due in the comment section it says loan modified XX/XX/XXXX- XX/XX/XXXX all these are transaction records which is a violation please remove from credit report and provide updated information showing deletion on usc codes thank you also the previous response to my complaint from Rolfe and Lobello was they don't report to the credit bureau that means i am a victim of fraud since this account i s no longer being handled by XXXXXXXX XXXX XXXX. The first payment of $ was XXXX directly from my XXXX XXXXXXXX checking acct on XX/XX/XXXX this company said I never made a payment last response they said they only received a payment on the XXXX of XXXX and the XXXX of XXXX inaccurate info. Payment dates are as XXXX {$250.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$240.00}, {$230.00}, XXXX XXXX {$250.00}, XXXX XXXX {$220.00}, XXXX XXXX $ XXXX XXXX {$200.00}, XX/XX/XXXX, XXXX. XX/XX/XXXX {$220.00}, XX/XX/XXXX, {$210.00}, XXXX XXXX {$230.00}, XXXX XXXX, {$220.00} XX/XX/XXXX {$230.00}, XX/XX/XXXX {$220.00} US CODE 1681 S-2 STATES YOU CAN NOT REPORT INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. please delete it from my credit report XX/XX/XXXX {$230.00}, XXXX XXXX {$220.00}
Product: Credit card or prepaid card

Bank of America hit my credit for a new credit card I received it in the mail, then later received a letter that it was locked due to suspicious activity. I never actived it or anything.
Product: Credit reporting or other personal consumer reports

I made my mortgage payment on time however it had a small shortage due to an escrow amount change. The bank impounded my monies, did not apply them, did not return them Rather they held them with full use of the funds and did not compensate me interest. 
The amount that was sent in on time easily covered the principal and interest on the payment as well as 90 % of the escrow. The remaining shortage was already in escrow reserve so I had enough personal funds to meet the commitment. The bank also did not use my full contact information to notify me of the issue, e mail mobile numbers for myself and my wife were ignored. A letter was sent out and a message was left on an old work number. At the least horrible customer service but truly a deceptive business practice. They gather this information leaving the customer secure in the knowledge that the bank can contact you in the event an issue arises. Since amble monies were present to make the payment in full. A payment was never received by the bank late, and the fact they just sat on my funds is a great abuse of the relationship. When I complained to the bank they said they could not help me because XXXXXXXX XXXX is required to report all accounts fairly and accurately per the Fair Credit Reporting Act. Well if this is the case where is the fairness and accurate information. The report should say on time payment short a small amount. The late payment leads creditors to believe the payment was not made at all. This is a very big difference. I submit that the bank is in direct violation of the fair credit reporting act by not reporting ACCURATE information of the situation. This situation has caused me to be denied credit and dropped my score XXXX pts for my wife and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have alot of inaccurate acoounts on my credit report that does not belong to me i feel really upset about this matter and willing to file a lawsuit i reach out to XXXX  /equifax/and XXXX about theses issues its stop me from getting a mortage from fha please help me resolve these problems thank you
Product: Credit reporting or other personal consumer reports

I recently purchased a copy of my credit reports, and noticed a few violation 's. Please use this additional letter as confirmation that I hereby am now opting out of any and all authorizations, I the Consumer may have given you written unwritten verbal and nonverbal as per 15 USC 6802. ( XXXX, Experian, or XXXX ) ( Furnisher of information to credit agencies ) the XXXX XXXX and the Consumer reporting agencies XXXX, Experian, or XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, or XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' For the record on a fourth attempt I am opting out of your reporting services. ( XXXX, Experian, or XXXX ) interactive service agreement. Thank you for noting my account
Product: Student loan

I am eligible for loan discharge through the PSLF program. I sent messages to Mohela on XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> Requested that my 2 loans be placed in administrative forbearance while the PSLF discharge is processing. This has not been done. I have another payment due XX/XX/scrub>XXXX  that I should not have to make since I have requested this administrative forbearance. 

The payment I have made to Mohela are also not reflecting correctly. The payments I have made are as follows : XX/XX/scrub>XXXX  {$170.00} XX/XX/scrub>XXXX XXXX$170.00} XX/XX/year> {$170.00} The Mohela system is only relfecting the payments made XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>. It is missing the XX/XX/scrub>XXXX  payment of {$170.00}.
Product: Vehicle loan or lease

My employment was impacted by COVID-19 when my prior employer had a reduction in force of approximately 75 % of the staff including me in the second quarter of XXXX. Unfortunately, I have been unable to find employment, however I have continued to make my lease payments. I attempted to make my XXXX installment, but was informed that my lease had matured and was threatened with having my vehicle forcibly taken. I have been a longtime Nissan/Infiniti customer, owning or leasing 4 prior vehicles. I shared with the representative that due to the pandemic affect on me financially, I can not purchase this vehicle nor purchase another vehicle, however I can continue to make lease payments. My lease had in fact already been extended by 3 months and my prior Infiniti leased vehicle was extended by 12 months. The rep stated they could only provide additional extension if I purchased or leased another Infiniti vehicle and that they would not provide any additional COVID related assistance and stated that if I did not return the vehicle by XXXX, the vehicle would be subject to picked up. It is extremely unfair that Infiniti will extend my lease if I purchase or lease a new vehicle, but is unwilling to provide a short term extension of the lease otherwise. Considering the unprecedented pandemic we are dealing with the fact that I will continue to make lease payments and that Infiniti previously extending my prior lease by more than 12 months simply by me making a request, it makes no sense that they are unwilling to do the same here and it feels like they are targeting COVID-19 affected consumers. Their action will cause me considerable harm and I am asking that they extend my lease by 3 to 4 months to allow me time to either purchase the vehicle or end the lease and return the vehicle
Product: Mortgage

I was advised when trying to refinance my house that my last an modification was not explained to me correctly. I was giving a 40 year amortization without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the response that I received from Equifax concerning my dispute on complaint # XXXX : The identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX. 

The original complaint was : I contacted Equifax to dispute inaccuracies on. my credit report with the following inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX- This inquiry was solicted as a soft pull by XXXX  XXXX to see which Business credit card I quailifed for. The social security number was requested as a means to identify me and for the XXXX XXXX  which was not factual! XXXX - Card Service XX/XX/XXXX -This inquiry was solicted as a soft pull by XXXX XXXX to see which Business credit card I quailifed for. The social security number was requested as a means to identify me and for the XXXX XXXX which was not factual XXXX XXXX  XX/XX/XXXX - This inquiry was solicted as a soft pull by XXXX  XXXX to see which Business credit card I quailifed for. The social security number was requested as a means to identify me and for the XXXX XXXX which was not factual
Product: Debt collection

Reached out to PHH Mortgage regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account with a balance due. Please provide proof of the account was 30 days late and update the balance to { {$0.00} } or delete the negative payment status on this account. PHH MORTGAGE SERVICES XXXX.
Product: Credit reporting or other personal consumer reports

According to my records of previously submitted disputes/documents via USPS, CFPB, and/or your online portal, you were in receipt of my prior communications and were obligated by law to take investigate my claim for action within 30 days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information. Additionally, you have not communicated any probable error that would prevent you from completing this as everything that is NEEDED to fulfill my request was included in my initial dispute. There was no cause for you to stall or reason for you to stall, procrastinate, or refuse your duties.

Therefore, I am now demanding the immediate removal of the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in 15 U.S.C. 1681n-1681o. In addition to removing the disputed information, you are required to issue a payment of {$1000.00}, made payable to my name as indicated in the letterhead above. For your convenience, I have included a completed IRS XXXX XXXX XXXX assist with your accounting or legal tax obligations. 

I want to be explicitly clear that this is not a notice or attempt to start a new dispute. Ive already tried to rectify this affair with you. By law, you are only allowed 30 days from day of receipt to dispute, and that time has since elapsed.
Product: Money transfer, virtual currency, or money service

My Paypal account is suddenly permanently limited on XXXX XX/XX/2022 without any valid reason and I am unable to get help from the customer service team. I have already provided all the information as asked by the PayPal team. But they are not ready to provide me any help and suddenly closed my account and blocked my money for 180 days. A few months ago, my account was temporarily limited and PayPal asked for some documents. I submitted them and my account was restored. But again when I received more orders and payments, my account was temporarily limited and asked for documents. I submitted them again but this time they permanently limited my account. I understand how important it is to review accounts timely to keep PayPal a safe environment for both buyers and sellers. As I am well aware of the PayPal policies and user agreement, I always work in good faith. I have not broken any of the user agreements or done anything wrong that my account has been made permanently limited. I would request you to please re-investigate the matter and help me reinstate my account back. The email id associated with my PayPal account is : XXXX XXXX
Product: Mortgage

1. Wellsfargo refuses to provide the {$5000.00} to my Equity account that was from the Frank Dodd program, the month after the 6th Anniversary. 

Wellsfargo sent me the letter & when it's time for me to get the funds credited to my account, the response was, they did not offer what I just shared. 

My proof shows their employee XXXX sent me the information, & I returned the Frank Dodd document with my signature per XXXX who is an employee at that time & I believe she still works for Wellsfargo.

2. I'd also would like to know what the various codes pertaining to my Equity account.

I'd like to know what the following codes are & how it's affecting my account.

Codes used : 46 R, 46 P, 46 2, 30P, 36P, 36R, 3. I still feel that Wellsfargo has not truthfully serviced my Equity account in the manner it should be carried out.
Product: Checking or savings account

On XX/XX/XXXX, I went to a chase bank to open a saving and checking account under my name only with my two forms of ID. I used my drivers licenses and my chase credit card ( that I had since XXXX ). On XX/XX/XXXX I went shopping and my chase debit card got decline so I immediately call the number on the back of my card then a customer services representative told me that chase decide to end the relationship with me and my saving and checking account were under investigation and my money is froze but my credit cars are active. they didn't tell why, I told them the only money I had in there is my direct deposit from a well known hospital everything is legit. So I went to the bank to see if they can explain to me what is going on. I meet XXXX who the manager of the branch asked him to help me. I told him everything he ask me for my two forms of ID which I gave him then he access my account were a phone number was assign for further questions. He was transfer to different departments then he ask me if the account was open online o by person. I told him by person because in XXXX someone stole my identity and I have to give a password that I used to verify that is me, but if they needed I was having my social security card and my USA passport at that point I thought everything was getting fix because they unlock my online account, set up a questioner that I only know the answers and XXXX got transfer to another department to suppose to unfree my account but he was told that a decision was already made to end business with me, so my accounts were still under investigation. He told them I got transfer to this department to unfree her account her online banking got unlock, a questioner was set up for her protection, she only needs her accounts restriction lift. she has her two forms of ID but he was told there is nothing to do a decision was already made to end business with me and I was ban from chase banking. I am in shock and upset
Product: Debt collection

On XXXX XXXX, I received a letter from Cavalry dates XXXX XXXX reading Cavalry is in receipt of a letter of dispute on the above-referenced accountBased on the investigation of the dispute, it is our position that the information we are reporting to the consumer reporting agencies regarding to the account is accurateWe are treating the dispute letter as a request for validation. We will write to you again within 150 days from the date of this letter. Prior to receiving this letter, requested for Validaiton of the debt in XX/XX/XXXX. 
On XX/XX/XXXX, I mailed 2 letters to the company via priority mail with tracking numbers. The first letter asked that Cavalry provide actual verification of the debt including details about the debt, the last billing statement, the date the original creditor claims this debt became delinquent, whether the debt is within the stature of limitations and how that was determined, and etc. which all follows under Fair Debt Collections Practices Act, 15 USC 1692g 809 ( a ). 
The 2nd letter was advising Cavalry that the debt related to the account number is expired and is passed the statute of limitations. This item was requested to be deleted from the account. 
On XXXX XXXX, I received another letter from Cavalry dated XXXX XXXX reading, We have reviewed the dispute and find the dispute lacking in any specific facts or information information which would allow us to conduct an investigationPlease provide us with the specific information that is being disputed and an explanation of the basis of the dispute. 
As of this date, the Agency fail to show proof the debt is valid,