23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Almost 1 year ago I purchased furniture on credit card XXXX ( TD Bank NA ) .Account number is XXXX. XXXX/XXXX/2016 I made the last payment XXXX , after this payment my account balance became XXXX . At XXXX/XXXX/2016 I called to costumer service by number XXXX, spoke with representative XXXX at XXXX and closed account. 
After, I received e-mail that informed me that I have to pay {$700.00} interest at XXXX/XXXX/2016. But at that time my account was fully paid off and closed, and I did not have to pay any interest, because I had no interest charge for this account for 1 year. 
This is attachment from what I see for today : Trans. Date Post Date Ref. Number Description Plan ID Amount XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX BILLED DEFERRED INTEREST CHARGES ON PURC XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with my Mother 's CD accounts, The Bank is not willing to correct the Interest amount when they matured, the amounts were XXXX XXXX XXXX XXXX, XXXX, Dates were XXXX and extend back to prior years the agency in question is Regions Bank, XXXX Florida on 9 mile rd the XXXX  XXXX  they present a CD rate of 2.15 percent but when it matured they paid 0.01 percent when I brought it to their attention they contend that I needed a Checking account to qualify for that rate. Well it was not brought to my attention that I Needed a Checking account. My mother is Very old and so am I with Serious XXXX  Issues and I know we were taken advantage of, I just want what is due it is Most of the Saving she has. 

I will upload the verifying Documents at a later time.
Product: Checking or savings account

On XXXX the XXXX, and XXXX Capitol One Bank received 3 IRS tax refund payment to a closed account ending in XXXX. There was a negative balance of {$550.00} dollars. After the deduction the remaining balance was {$2600.00} dollars. I never received the remaining balance due to me. Called Capitol One Bank customer service was told to filed a affidavit for lost checks. I followed those steps by filing with the branch in XXXX Va. on XX/XX/2020. The affidavit was sent from the Capitol One Bank location by XXXX XXXX XXXX notary and agent at the Branch location. I have spoken with several representative from Capitol One Bank, and havnt received a positive resolution to the matter. I, ve sent copies of the affidavit to XXXX with the ATTN to XXXX. Never responded to the two emails that were sent. Hopefully Ill have a better outcome with the help of Consumer Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is inaccurate from credit bureau. Report is stating closed from TransUnion and XXXX but XXXX is stating open. 
Invalid open dates from all three credit bureaus.Showing a passed due amount when account is reporting as closed. 

Past due stating XXXX XXXX date TransUnion XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

I am filing this greivance as I've exhausted all forms of communcation with XXXX regarding a sum billed for equipment that was turned in. I used to have cable and internet with XXXX XXXX XXXX XXXX XXXX I eventually stopped using the service and returned all requested equipment to a return store they have at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. The company states they never received it and I have a collection of {$320.00} for none return of the equipment. I can't say why it was not updated accordingly on their side as I am not employed by XXXX to understand or have knowledge of how they process their updates. I do know that the equipment was in fact turned in and any sums owed were paid.
Product: Mortgage

Home owners insurance not paid out of escrow account by lender. It is now XXXX the insurance premium was due XXXX. My mortgage is being serviced by Lakeview loan servicing company. I have contacted them numerous times by phone and text and have not been able to resolve the issue. On XX/XX/XXXX lakeview asked me to contact XXXX XXXX owners insurance and have them fax a copy of policy renewal. I did this. I was then contacted by XXXX XXXX by text stating it was taken care of. I contacted XXXX on XXXX. Still not paid. On XXXX lakeview said they paid. XXXX XXXX not paid. On XXXX XXXX called me said my insurance was cancelled due to lack of payment. XXXX Stated they were going to try to help me out by writing a new policy and resending bill to Lakeview and give them another 30 days to pay. We discussed that under the Respa law that lakeview is responsible for making timely payments from funds that are in my escrow account. Lakeview told me I need to pay XXXX directly to avoid cancellation but they also told me it was paid on XXXX way after due date. I do not have funds to pay directly that is why I have an escrow account. Lakeview has been paying XXXX My home owners insurance since XXXX and I have not had any changes to my mortgage or home owners insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute letter to remove hard inquires that were not authorized by me. Below is the list of Hard inquires on my report. 

1. XXXX  XXXX  XX/XX/XXXX 2. XXXX  XXXX  XXXX  XX/XX/XXXX 3. XXXX/XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX  XXXX  XXXX XX/XX/XXXX 5. XXXX  XXXX  XXXX  XX/XX/XXXX 6. XXXX  XXXX  XX/XX/XXXX I also have a medical bill that have been removed on other Bureaus account but one 1. account # XXXX  XX/XX/XXXX FOR {$68.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my credit report that do not belong to me
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to make a complaint about several TransUnion violations. 

According to : 15 USC 6801 states ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

All that is listed below is in violation of the above code : 1 ) XXXX account is in violation because it was originally opened in 2003. This account was charged off and taken to court. It has surpassed the 7 year limitation of reporting. 

According to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

2 ) There is a name ( XXXX  ) associated with my credit profile that I have NEVER USED. There are discrepancies between my credit profile & my credit report. Please see attached docs. 

3 ) There is a discrepancy with XXXX  loan account for {$12000.00}. It is reporting open on my profile but not my report. Please see attached. 

4 ) I am requesting that ALL inquires be removed immediately. Most of those compaines I do not recongize and I suspect idenity theft and fraud. 

5 ) I am also requesting that the below accounts be removed : XXXXXXXX XXXX XXXXXXXX ALL 4 of the DPT EDXXXX accounts The items on my credit report is causing me significant harm. It is making it difficult for me to obtain a loan and is preventing me from purchasing my first home at a lower interest rate. I am also concerned that this is damaging my reputation. 

I am reserving my rights to privacy and I have never gave written consent for my info to report to Transunion ( FCRA 15 USC 1691 Section 604 ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ) Because of this, ALL of these items are in violation of 15 USC 1681c-2 ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of... 

I am requesting that the CFPB investigate this matter and help me get these items removed from TransUnion immediately. I have attached supporting documentation. 

Thank you for your time and attention to this matter.
Product: Checking or savings account

I am filing a complaint due to over draft fees that navy federal has posted to my account. Despite having appropriate funds when transactions were made, navy federal did not due their due diligence in posting transactions, which led to discrepancies in my account balances. This aligns with with the CFPBs recent findings that Navy Federal has been using these practices which violate their consumers protections.
Product: Mortgage

My current mortgage company is CALIBER LOAN, during the closing of the loan, it was never mentioned nor is it in the legal paperwork that I am not able to make regular monthly payments ahead of schedule. At this time, the maximum payments ahead of scheduled I can make would cover XXXX months in advance. This feels like an unfair practice, because I should be able to make payments, lets say, in XXXX for the rest of the the calendar year without any issues. This practice seems to be predatory because it prevents me from paying my mortgage down in a most efficient format, saving me the interest.
Product: Credit reporting or other personal consumer reports

I am in process of purchasing a home. My credit was ran & a balance owing was reflecting on my account with Lendingpoint that had previously been paid in full. 

The account was reporting a balance owed of {$650.00} with no lates on my report on XX/XX/XXXX. A request was made to rescore my credit report to reflect correct balances for the creditors I paid off & requested for the reported information to reflect the balance paid in full. 

Upon that request my credit report dated XX/XX/XXXX reflects lates were then added to the credit report after the fact. I requested removal of the lates and was told I would receive a letter to confirm the lates were added in error and the creditor send a paid in full letter not addressing the lates.
Product: Student loan

After over a year of trying to get information about why my loans were not forgiven under the limited PLSF, I filed a complaint with the CFPB. Yesterday, I finally received a response, which stated " Please note, the PSLF limited waiver ended on XX/XX/XXXX. In order to be eligible for the PSLF limited waiver, you must have applied for PSLF while having eligible loans. If you did not have any eligible loan types at the time of the submission of your application, you must have applied for a Direct Consolidation Loan on or before XX/XX/XXXX, to be eligible for qualifying payment count evaluation under the PSLF limited waiver. As a result of your XX/XX/XXXX consolidation, your qualifying payment periods have temporarily reset as FSA evaluates your underlying loan history under the above criteria for PSLF. '' This information is inaccurate -- I filed for a direct consolidation loan on XX/XX/XXXX with Mohela ( please see email confirmation attached ). I submitted all of my qualifying employment before the XXXX XXXX ( see print screen of my DOE account page ) and received confirmation from Mohela that they were working on my PLSF request on XX/XX/XXXX, before the date at which they are claiming I filed for consolidation. They need to correct this error and evaluate me under limited PLSF.
Product: Debt collection

Credit Collection Service is STILL trying to collect a debt that was discharged in a bankruptcy!!!!
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as A consumer
Product: Checking or savings account

On XX/XX/XXXX from my PNC account I sent XXXX an amount of {$1900.00} through XXXX  XXXX. She then transferred it to her bank ( XXXX  ), where it sat for 2 weeks. Then PNC pulled it out of her account on XX/XX/XXXX without consent from me or the other authorized user on the PNC account. It was deposited back into the PNC account for roughly 2 hours then pulled back out. Now the money is no where to be found. We have been up to PNC and XXXX  bank multiple times and no one can help. XXXX  XXXX  has been made aware of the situation and sent over paperwork that shows the money is not with them. PNC provided a XXXX Trace number XXXX. We provided this number to XXXX  bank and they have made us aware that they do not have the money and that trace number is not attached to any amount of money. Before providing the trace number PNC told us that the money was in a median. Please help with this matter, this has been going on for over 4 months. We have already put in previous complaint and it has gotten us no where with this situation. The only thing we have now been told is the money was sent to XXXX XXXX which the sender or receiver of this money, DO NOT bank there. We have even went to XXXX XXXX to try and see what's going on even though we DO NOT bank there in hopes someone could help because no one is returning my call and only emailing that we need to call, which we have and just get a voicemail.
Product: Vehicle loan or lease

Paid off Boat loan account number XXXX for boat motor and trailer back in XX/XX/XXXX. After a few weeks they sent me copies of the payoff letter release of lien and 2 of the three titles. I received titles for the Boat and Trailer but did not receive the title for the motor. The registration for the motor with Texas XXXX is XXXX and still show a lien from US Bank NA, XXXX XXXX XXXX, XXXX, WT XXXX. Contacted US Bank on the XXXX of XXXX to discuss where my title is spoke with a bank agent to review all the available document and he was not able to explain where my title was. The agent would request a duplicate title and it would take 3 days to process. I called again on the XXXX of XXXX to get a status report on the title and when I could expect. The agent asked me to call back on Saturday to follow up. I call again on Monday the XXXX of XXXX and was told by another agent that it was processed and it should be sent to Texas XXXX to release the title and get a reprint. The title was electronic. I contacted the selling dealer just to check to see if the title was sent to them in error it was not. After speaking with XXXX the bank agent he assured me the team was working on getting me the title. I call again XX/XX/XXXX to discuss the process and there is no movement in getting me the title. I asked to speak with someone in supervision and was deferred to writing a letter. I have the vessel sold and unable to complete the transaction without the motor title. This would not be an issue if the boat was not sold.
Product: Debt collection

Good Morning, My complaint is against Absolute Credit Solutions ( XXXX ) who took a 10+ year old disputed debt with XXXX  XXXX and re-entered on my credit report with a new " Date Opened : XX/XX/year> ''. I spoke with them prior to this new entry and they performed the usual threat to ruin my credit etc. I attempted to reason with them and explain the FTC law and they said there is nothing the FTC can do for you. Well, I did not realize they entered this on my credit report until I attempted to buy a vehicle for my son to drive back and forth to college and the proposed interest rate on the auto loan was outrageous due to the new date for the old dispute. I filed a complaint with the Minnesota AG where this company is located and although they were kind enough to call me, they said because I am not a resident of Minnesota they can't help me and suggested I reach out to you because the rep said they do not work with out of state AG 's. I am now receiving the same mailings and threats from another company, XXXX XXXX XXXX XXXX XXXX in XXXX, Nevada ( XXXX ) Can you please help me and my family? Thank you kindly for all that you do. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX & XXXX 2020. I reached out to XXXX and Equifax with proof. The accounts were never updated nor deleted. 

XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Checking or savings account

I purchased an XXXX XXXX XXXX from XXXX on XXXX as a gift however it did not function properly, so I returned it to XXXX. Upon returning the watch they issued a refund in the amount of {$200.00} to my account. The card company refused the refund however did not return it to XXXX. They have no idea where the refund is, and suggested I file a dispute on the matter. I filed a dispute which was denied and they stated I received a refund in the amount of {$57.00} which covered this purchase. Actually, that was another item being refunded by XXXX. They sent the {$200.00} and can not reissue any amount as they have never received the refund back from this bank. They have provided a reference number for the transaction showing the bank did not return the refund at all. I have many refunds that were never issued to my card however this was a large amount I cant afford to lose at XXXX and a gift I have been unable to replace. I have provided everything they requested to solve the matter with no resolution, and no funds back. I have emailed proof of everything to this company and spoke to many representatives however it doesn't seem like they have any intention of solving the matter.
Product: Money transfer, virtual currency, or money service

After having my account used by someone else when my phone was stolen, I disputed quite a few transactions on my paypal account. I was refunded my money, but my account was permanently limited and none of the funds in my account are accessible to me for the next six months. I was also sent a message stating that I would be charged for every dispute that I filed after being a victim of fraud. Something called a high volume dispute fee. On XX/XX/16 I messaged through the app and emailed several departments trying to resolve the issue, as well as called PayPal and spoke to a supervisor who appealed the case. I have yet to hear back about my appeal and received a message the next day repeating the original account limitation information I originally received. I was never given a reason as to why my account was permanently limited by any representative and have hundreds of dollars locked in that account. PayPal has essentially stolen my money. I want access to my funds immediately.
Product: Mortgage

I was unemployed as of XX/XX/XXXX. I requested a forbearance due to Covid and have submitted all the paper work. I have applied for unemployment in the State of GA on XX/XX/XXXX and submitted my 1st claim on XX/XX/XXXX. After submitting the paperwork I was told that since I have not received an eligibility letter I would not qualify for forbearance. The GA Dept. of Labor has my status as pending for eligibility.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX Balance Owed : {$2200.00}
Product: Credit reporting or other personal consumer reports

I have been trying hard for a couple years now to have these frivolous, erroneous, inaccurate, and incorrect accounts investigated and corrected. Transunion keeps disregarding crucial legal regulations 15 USC 1681, 15 USC 1681i ( 5 ) ( B ) ( i ) ( 6 ) ( 7 ), 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681 ( 5 ), 15 USC 1681c ( c ), 15 USC 1692, 15 USC 1692c , and more. With the recent CFPB lawsuit against XXXX for their poor handling of credit report disputes, I believe this is a great time to address my problems. This process has been beyond stressful and detrimental to my livelihood. I am disputing the accuracy of the following items on my credit report, as permitted under the Fair Credit Reporting Act. 

XXXX. ) XXXX  [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX. ) XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX. ) XXXX XXXX  XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX. ) XXXXXXXX XXXX [ XXXX ] -LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX. ) XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX. ) XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, XXXX. ) XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX. ) XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS XXXX. ) XXXX XXXX  [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX. ) XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS XXXX. ) XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, FALSE Date of Last Activity XXXX. ) XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, FALSE Date of Last Activity XXXX. ) XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, FALSE Date of Last Activity XXXX. ) XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, FALSE Date of Last Activity
Product: Mortgage

My mortgage was with Green Tree who subsequently merged with Ditech. My payments are due XXXX of the month. In the past i have made the payments by the XXXX of the month and accepted the late payment charges. While with Green Tree this was seemingly never a problem, it is apparently a huge problem with Ditech. Inspite of me making arrangements and notifying them when my payment will be made I get no less than XXXX calls per day between my home and cell phone. The last call I received stated that my representative XXXX, who was ( is nasty on the phone ) would need to make a decision as to what she was going to do with my account come Wednesday XXXX XXXX. Really???? My account is not even 30 days late and I do not take kindly to underlying treats being made to me!! This is harassment and needs to stop, I had already advised them when the payments would be made, why are they continuing to even contact me let alone threatening me?