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

TD Bank is withholding interest income for tax purposes on my checking account ( they had also been doing the same for my savings account ). The interest income on the account is so small it is below the IRS reporting thresholds -- literally we are talking {$0.00} per month on my checking account. TD Bank previously advised that the withholding was as a result of there being an inconsistency in their system with my name and SSN. I first attempted to address this with the bank in XXXX of XXXX and was told it would be corrected. It was not. I have been a banking customer with TD for over 10 years. My social security number is the exact same number as it was when i originally opened my accounts at the Bank. In XXXX of XXXX, I went to my local branch, at TD Bank 's direction, and revised the name on my account -- reverting to my maiden name ( rather than maiden, plus married name ) and delivered to the bank a W-9 form. This is in addition to the two W-9 forms I had previously mailed to them. Notwithstanding this, TD Bank has not refunded the income interest previously withheld and as of XX/XX/XXXX they continue to withhold interest income. Now they are telling me that I need to provide a W-8 BEN form which is the IRS form for non-resident aliens. I was born in New Jersey. I brought my birth certificate and SSN card to the branch in XXXX XXXX, NY and provided them to the branch manager for evidence of my name and citizenship. Unless being born in NJ no longer makes me a US Citizen I do not understand why a W-8 BEN would be appropriate. TD Bank needs to cease withholding interest income and refund me the interest income withheld to date.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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 the identity theft. 
Please let me know if you need any other information from me to block this information from my credit report. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to XXXX, Transunion, and XXXX about errors on my credit. I did not receive any correspondence and i had tracking on my letters, and they were received on XX/XX/XXXX and XX/XX/XXXX. There are late payments on a loan with XXXX XXXX that is inaccurate. I was never late with them. There are late payments on a XXXX XXXX  XXXX account from XX/XX/XXXX that is also not accurate. They are reporting false late payments, which hurts me financially because my credit score is lower than it should be. Both of these creditors told me that I have to fix this incorrect information with the bureaus. However, I am being completely ignored.
Product: Vehicle loan or lease

On or about XX/XX/2020, my auto loan was purchased by Santander Consumer USA. With my previous lender, I had been submitting extra payments monthly by mail as principal only payments. 

A payment of this type was mailed to the original lender on XX/XX/2020. It was clearly marked as principal only and was forwarded to Santander. It was credited to my account on XX/XX/XXXX and back dated to XX/XX/XXXX. Instead of being applied to the principal, the payment to date shows as an additional monthly payment. 

As a result, I have been charged extra interest. Also, my auto pay shows no payment due until XX/XX/XXXX, even though the next payment was due today, XX/XX/XXXX. 

After numerous contacts via chat, email, phone and secure message over the past 2 weeks, the issues remain unresolved. Each time I make contact, I request to be escalated either to a supervisor or a decision maker. Each time, I am told that is not possible. 

To further complicate the issues, I have received contradictory information about making extra principal payments in the future. One representative told me I could make the payments online and another said they had to be mailed. The latter did not provide a mailing address. 

The fix is simple but the bank has made no effort to date to resolve the issues.
Product: Credit reporting

I have recently settled a debt in collection. I am trying to dispute the collection as already settled. I have tried submitted a dispute online but the verification information I gave was incorrect. Now, Equifax says I need to fax in my dispute. There is no fax machine available to me and this negative collection item is damaging my credit. I would like to dispute the item as settled but I can not move forward with the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a military Service Member currently serving XXXX. Nationstar Mortgage LLC damaged my credit profile with derogatory information while I was XXXX to the XXXX XXXX serving with the United States XXXX in XXXX and XXXX. The adverse information is reflected as 120-days late and prevents me from obtaining a home loan or credit card. Nationstar Mortgage LLC should not have entered derogatory information on me while XXXX. My credit profile was coded for XXXX XXXX   XXXX during this timeframe. This is covered under the Service member 's Civil Relief Act ( SCRA ). Service members have 90-days after their return from the XXXX XXXX to rectify mortgage accounts. Credit restoration should be applied to this account immediately. I have attached a statement certifying XXXX military service and also Department of Defense ( DOD ) XXXX orders.
Product: Mortgage

This Foreclosure Case has been going on for more than 10 years. 
Below are the reasons the FEDERAL and STATE COURTS were unable to FORECLOSE on the Property, ( 1 ) The Property being Foreclosed on is in a IRREVOCABLE TRUST not owned by me as a Citizen of the XXXX XXXX 

( 2 ) CASE XXXX is a Case that is out of Jurisdiction of the Texas XXXX because I do not own the House , the XXXX XXXX XXXX XXXX owns the House and have been owning it for more than 10 Years so this Case should not have been filed against me ever. 

( 3 ) The Court Illegally added my Ex-Wife to the Deed in Order to be able to Foreclose on this Case but once again the Court is out of Jurisdiction. 

( 4 ) I received a Foreclosure Notice on XXXX XXXX,2025 telling me they are Foreclosing on XXXX XXXX2025 which does'nt give me time to get a Constitutional Attorney or any kind of Legal Representation. This Case is also being forwarded to the Attorney General of the XXXX XXXX XXXX XXXX and the XXXX XXXX. 

( 5 ) I feel like my CONSTITUTIONAL RIGHTS HAVE BEEN VIOLATED BY THE COURTS AND US BANK ALSO ALL THE ATTORNEY 'S.

( 6 ) There was a US BANK verses XXXX XXXX XXXX Case that was Dismissed with Prejudice so all the other Cases are DOUBLE-JEOPARDY CASES which is against the Law. 10 years of fighting Court Cases is too much for anybody.
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX ) XXXX XXXX XXXXDisputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. XXXX removed account from Credit Report but Equifax and XXXX did not. ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by XXXX Consumer Relations )
Product: Checking or savings account

I opened a PNC Virtual Wallet with Performance Select account and funded the account on XX/XX/2019. PNC was running a promotional offer at the time where depositing {$5000.00} and peforming 10 debit card transaction would result in a {$300.00} bonus. The bonus was meant to be payed out 60-90 days after all conditions were met. 

On XX/XX/2019 after meeting all requirements I contacted PNC through secure message and asked them about when the bonus would post to my account. On the same day PNC responded saying funds would post in 60 days and to give them some more time.

On XX/XX/2019 I contacted them asking for the bonus. Again, I was told to wait a little more time for the bonus to post to my account.

On XX/XX/2019 I contacted them asking about the bonus. Now I was told the {$5000.00} deposit I had made does not qualify as it was not a direct deposit of the type they were expecting. 

At this point in time my money had been tied up with PNC for an extended period of time and PNC had committed fraud - stringing me along for months when they should have made their terms clear back on XX/XX/XXXX. They had access to my funds for half a year. 

I contacted PNC letting them know this was unacceptable and they brought in their retail escalation department. I had several conversations with a representative ( 'XXXX ' ). After reviewing my case the representative stated that PNC was going to pay the bonus despite not meeting their direct deposit requirement. Some paperwork had to be completed and she would get back to me in a couple of days. 

XXXX never contacted me again. I left several voicemails asking her to call me back and never received a callback. Finally months later I contact the retail escalation department and a different representative said he would look into the issue. His response after investigation was PNC was not going to pay out the bonus they had promised. PNC seems to have conveniently forgotten the conversation I had with XXXX. 

Additionally all my secure message correspondence showing PNC fraudulent behavior stringing me along for months has been deleted from my secure message account. Luckily I had the foresight to save the correspondence. I have attached it below.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 payment was made directly from my bank account for {$1000.00}. Comenity Bank there after adjusted my amount with my bank and only charged {$980.00}. Comenity Bank thereafter had their system down and many clients were having problems reaching them for almost a month. It could be the issue that they never sent information of my card paid in full. There shouldn't be a balance at all on my credit report. I contacted them explaining to clear the balance however its still there since XXXX. 3 months now and it's incorrect and my utilization should be XXXX. I received a letter from them paid in full but its supposed to be sent to the credit bureau. Please help me. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These accounts & information I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has repeatedly called My Son, and giving him my personal information about a debt that they are saying that I owed. I do not even live in the state anymore, and they refused to try to make a payment plan threatened to sue me sees my property to garnish my wages and hung up on me XXXX times when I asked to speak to a supervisor. They suggested that I paid the bill in full today when I asked him to make a payment plan because I was not working due to Covid. The supervisor supposedly got on the phone and then told me I should just file bankruptcy instead of making a payment plan with me. I told him that I was going to call the FTC because they were threatening me they hung up on Me and they threaten my personal property. Please shut these people down.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  , FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX CURRENT ADDRESS : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX ___________________
Product: Student loan

I am a co-signer on my son 's student loan. Both my son and I are under financial hardship and working hard to get out debt and find better employment. I have talked to Navient several times about this and yet they are rude and unhelpful. I have called them and told them that we are doing out best and yet today for example I have received 4 calls from them, XX/XX/XXXX I received calls at XXXX, XXXX, XXXX XXXX, and XXXX and it is XXXX. This feels like harassment. At the time of the loans and even now this entire process has been confusing and often times wonder if they are misleading us into more unreasonable outcomes. 

Today I tried to file a complaint with Navient and received this error message : " sorry an error has occurred, try again later. '' Also, if the loans were at a California school does that mean that we could be part of the California lawsuit though we no longer live there? 

XXXX
Product: Credit reporting or other personal consumer reports

I have been battling with this company for a while this address XXXX XXXX XXXX XXXX GA XXXX does not belong to me i have never heard of this address ever in my life i filed a ftc report also because i have not lived there. Please stop reporting inaccurate information
Product: Debt collection

On XXXX XXXX, 2017 I received a notice from Southwest Credit that I owed XXXX {$220.00}. Two things are wrong about this : 1 ) I have never had an account with XXXX 2 ) My name is spelled wrong on the letter that was sent to my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX/XXXX, XXXX, XXXX XXXX did a hard inquiry on my credit even though I don't know them and I am not applying for any credit.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, 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 these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this.Depending solely on your flawed e-Oscar system 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 TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, 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 creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

ON XX/XX/XXXX AND XX/XX/XXXX I reported that XXXX XXXX XXXX was falsely reporting 4 late payments on my consumer report. The date of the alleged late payments are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
I reported the error to XXXX and to the credit reporting agencies. I filed a dispute with Equifax about the late payment errors. XXXX never responded with any proof of the late payments. XXXX also reported that the none of the three consumer reporting agencies contacted them about the dispute. My information has been breached on multiple occasions by the credit reporting agencies and other federal institutions. The late payments were intentionally posted on my account to redline me from obtaining business funding. 
Equifax, stated that they investigated the late payments and the creditor verified the late payments. The credit stated they never verified any payments. 
The credit reporting agencies are simply not investing the errors. They are simply waiting 90 days and sending out form letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time in XX/XX/XXXX, XXXX XXXX sold my mortgage to XXXX. I did not authorize this, initiate or suggest this change. My mortgage was with XXXX XXXX since XXXX. When XXXX sold this mortgage, they closed my account. This caused my mortgage history to be eliminated with the credit bureaus, and showed up on XXXX, Transunion, and XXXX  as a closed account. I did not authorize nor request the account be closed. 

This change also resulted in a 69 point drop on all my credit reports. When I called to dispute this, Transunion said there was nothing they could do about this, and to keep paying on time as I have been doing, and the score would rebound. 

This is absolutely absurd. I work hard on paying my bills on time in an effort to keep an outstanding credit report. 

Please address this situation. It's devastating to see your credit score is in the 700 's, but a business takes this action, dropping your score to 600 's, and the consumer has no say in the matter.
Product: Debt collection

A new collection was put on my credit report by the Stevens Business Service which does not belong to me. The company originally put a collection on my XXXX  account and now they put one in XXXX. Both have been already disputed by me. I never received any details or information prior to them putting the collections in my credit reports. I also already sent a written mail to the company last XX/XX/2022 indicating that this debt in the amount of XXXX for an account number ending in XXXX is not mine and that this is because of identity theft and that they should remove all claims from all my credit reports- which they never did. I never lived in XXXX XXXX nor have I ever had an account in XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear CFPB, I am writing to formally submit a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion, XXXX, XXXX I recently reviewed my credit report and noticed that my positive credit card account with XXXX XXXX  has been deleted from my TransUnion credit report. Credit Card accounts stay on your credit report for 7 years. 

After contacting XXXX XXXX  customer service, I was informed that they reported to all three credit bureaus XXXX, XXXX, Transunion on XX/XX/year>. However, XXXX has failed to accurately reflect this information on my credit report. Instead they deleted it from my credit report. XXXX. 

Furthermore, XXXX has violated XXXX XXXX. XXXX ( a ), which pertains to the accuracy and fairness of reporting. I did not provide XXXX with oral or written consent to pull my credit report, and this action has adversely affected my credit history by shortening it. 

I kindly request that the CFPB intervene and compel XXXX to restore my XXXX XXXX account to my credit report. Thank you for your attention to this matter. 

Sincerely,
Product: Debt collection

XXXX XXXX XXXX believes I owe them {$7800.00} for terminating a lease in 2015. I gave them more than enough notice that I would have to leave the apartment due t the lack of affordability because of divorce. I paid my last months rent and moved out and forfeited my deposit.
Product: Debt collection

I owe a mobile phone bill with XXXX I made an arrangement with sequium asset solutions. They said they would do automatic withdrawal from my checking. They said they would not report this as a collection to credit bureau. I am rebuilding my credit and would like this removed. dated XX/XX/19 company is Sequiuim Asset Solutions address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GaXXXX. They started withdrawal last month and I want them to continue untildebt is paid but do not want this to show as unpaid collection.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX who represents Credit Acceptance filed a garnishment with XXXX XXXX Common Pleas court, the information was sent to an old address and I didn't receive it to way after which caused me to be unaware of an court hearing to contest to the garnishment or discuss options, this is for a vehicle that was repossessed that credit acceptance sold for a low amount at auction and sued me for the remaining balance, I spoke with XXXX to see if we can lower the garnishment because I am a XXXX XXXX and trying to maintain my current bills such as rent, utilities that I'm currently past due on due to the garnishment, XXXX sent me an agreement to sign back in XXXX to lower it from 25 % to 15 % and also on the agreement it said I would be refunded due to the adjustment % and nothing has been done, I even checked the court docket and they haven't received the update from XXXX, this has now caused me to be further behind on rent and is now facing eviction, which is goin to force me to file bankruptcy because I can't afford to pay rent due to the almost {$600.00} in garnishment every month, which is way more than my original term auto loan contract with credit acceptance, ive tried several times to contact XXXX and left message ans no return phone calls,
Product: Mortgage

On XX/XX/XXXX, I was charged {$4900.00} for homeowner 's insurance despite my proof that I already have coverage. In fact, they paid out the annual premium of {$910.00} on XX/XX/XXXX. 

I have provided them my proof of insurance over the internet ( XXXX ), mailed the entire policy three times, faxed it four times and have called about this specifically three times since XXXX of XXXX.