23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit file. I am concerned with some items you are reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am aware that under the FCRA 15 U.S. Code 1681 e, Compliance Procedures. B. ) Accuracy of reporting shall follow reasonable procedures to assure maximum possible accuracy. All three bureaus are reporting different account status, balances, payment history, closed dates, last activities, etc. Please correct these inaccuracies or remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX Formerly XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX $ Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$300.00} XXXX XXXX  XXXX Balance : {$30000.00} XXXX  XXXX Balance : - XXXX XXXX Balance : {$300.00} XXXX XXXX  XXXX XXXX XXXX : {$30000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX  XXXX  XXXX Balance XXXX {$30000.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

At the beginning of XX/XX/year>, I contacted TransUnion regarding a case of ID Theft on my TransUnion credit report. The ID Theft account was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt # XXXX ). The evidence of this ID Theft I provided to TransUnion was in the form of an Notarized ID Theft Affidavit, a XXXX, TN Sheriff 's police report on the ID Theft and an FTC ID Theft report ( the first two of these items are attached as well as the original letter to TransUnion ). This information was sent to TransUnion via certified mail ( # XXXX ) and was confirmed received by USPS and by a call I made to TransUnion. I was informed by the TransUnion representative at that time that the account would be immediately removed based upon the information that they received. When this didn't happen after two weeks, I recontacted TransUnion and was told by the representative that while they received the information she had " no idea what was being done with it nor would the account be removed regardless of what you ( I ) sent ''. This non-action by TransUnion on a proven ID theft account has severely damaged my credit and has prevented me from getting both an auto loan and a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and i am trying to figure out how this company Lexis Nexis is able to violate my right to privacy by sharing private information to companies like XXXX, XXXX  and XXXX. I contacted the courts and they stated that they don't report my information to any third parties. So how are they able to report it? I DID NOT GIVE THEM PERMISSION TO REPORT THIS. They are in violation of united states code 15 sec 1681 ( a ) ( 4 ) and they are causing me stress and hurting my credit.
Product: Credit card or prepaid card

Hello. 

I am writing to inform the CFPB about a potential violation and deceptive business practices at TD Bank who is the servicing institution for XXXX XXXX. 

Scope of the complaint : I have held an account with TD BankXXXX XXXX for over 5 years. On XX/XX/XXXX, I made a payment in the amount of {$1000.00} from my Checking account. TD Bank received the payment and posted it on the account on XX/XX/XXXX ( see attachment 1 ). In a phone conversation with TD Bank/XXXX  XXXX on XX/XX/XXXX, I was advised by customer service of the following ; 1. TD Bank/XXXX XXXX received the payment in the amount of {$1000.00} on XX/XX/XXXX 2. Subsequently, TD BankXXXX XXXX XXXX XXXX hold on the funds and categorized it as a ( Pending : Memo Post Debit {$1000.00} ) for a period of 15 business days. I was further advised on 2 separate phone calls, as to the payment posting dates of XX/XX/XXXX & XX/XX/XXXX. 
3. I was advised by TD BankXXXX XXXX customer service representative XXXX that though the payment was indeed received and applied to the account, however, it is the policy of TD Bank/XXXX  XXXX and is listed in their Terms & Conditions as listed on Online Banking, any payments over {$500.00} is subject to a hold, and it is a blanket policy not based on any risk based segmentation. In review of the Terms & Condition ( Please see 2nd attachment ). Nowhere in the terms & conditions, does TD BankXXXX XXXX disclose this hold policy. The terms & conditions as displayed on the Online Banking portal, states the policy was last updated in XXXX. 
4. This is potential of UDAAP Violation and deceptive business practices. In my case, the outstanding balance was on a promotional offer, hence no interest is charged. 
5. In the event a customer does not have a deferred payment option, and maintains a high balance. Any payment greater than {$500.00} will not be given credit, and TB BankXXXX XXXX continues to charge interest on a per diem basis, resulting in an unjust enrichment for TD Bank/XXXX  XXXX and collecting additional inter
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit score dropped 52 points due to a FALSE report from " Syncb National Credit Cards/Airlines '' as of XXXX. It has been falsely reported with this information XXXX, XXXX and XXXX. 

Syncb will not assist to remove or dispute the false report and I find no support from XXXX XXXX either. 

Please help me to dispute this and remove all record of this from my credit score as it has been FALSELY reported as of XXXX, XXXX and XXXX.
Product: Checking or savings account

On XX/XX/2022 I went into a local branch of Bank of America to deposit a check. Making it perfectly clear that I needed the funds available right away the teller assured me that the the {$3000.00} check would be released XX/XX/XXXX. ( {$220.00} would be released the XXXX ) ( the balance would be released by XXXX XXXX on the XXXX of XXXX. I received an email late that evening that they were extending the hold until the XXXX. The bank was provided proof of funds and there was zero reason to extend the hold an additional week. The email also stated that that any fees I occurred because of the extended hold would be reimbursed. I received 4 returned check charges because of the extended hold. After spending 90 minutes on the phone they reversed 2. Refusing to release the check even when provided proof the check had cleared the other bank. The refuse access to money in the account. Refuse to reverse charges occurred because Of an unnecessary hold.
Product: Debt collection

I had XXXX XXXX bills that with XXXX and at the time I was un-employed and actively seeking work. They could not work with me on payments and thus turned over to CMS ( credit management services ). 

CMS never contacted me properly and I contacted them after finding it on a credit report. I was willing to make payments but they would only take payment in full and nothing else. If I had the pymt in full it would have never went to collections, as I acknowledge I owe the debt. I tried a number of times to rectify the situation ; however, they continued to tell me pymt in full only. I was then subpoena 'd by mail ( with no date or time information ) at the end of XXXX 2014. I called them immediately and stated this was un-necessary as I am willing to make payments. Yet again, payment in full only. I then asked when was I to appear in court and they stated they could not give me legal advice. I stated this is not legal advice as I only want to appear to defend myself. The were of no help and quite deceptive. So I obviously missed my court date and then received a judgement against me at the beginning of XXXX. I called them the same day XXXX received the judgement and I found out that XXXX again the only thing they will take is payment in full and they already know where I bank and have a court order to garnish accounts. 

I really feel that this is highly un-professional as I am willing to pay, but I have not options to do this in full. They did give me a suggestion to borrow from family ; however, you see I can not do that as my family is small and on limited income. They also asked me to get a loan to rectify the situation, but you see I have no collateral do do a loan and do not have the credit to do an unsecured loan, either. This really puts me in a bad spot and I was willing all along to make pymts. 

I feel this company is extremely unfair, unreasonable, and quite un-professional in how they conduct their daily operations.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the items be investigated to correct the information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I initially submitted this complaint on XX/XX/2021, case # XXXX. The response from Discover was inadequate and did not address any of my concerns so I am resubmitting it. 

I signed up for automatic payments with my private loan servicer, Discover. During this process, I was able to make an " extra '' payment and was given the option of applying any extra payments to either the " principal balance '' or to the next month 's payment. I chose to apply extra payments to the principal, and have been making an extra {$50.00} each month for at least the last year. When I reviewed my statements for the past 4-5 months I noticed that all of my additional payments are being applied to " interest '' and not the principle balance as I request. 

Discover stated that " This payment and subsequent automatic payments, including any additional payments, have been applied to the principal and interest owing on your loan, in accordance with the payment hierarchy provided when you enrolled in automatic payments for the Minimum Payment Due plus the additional amount. You were informed that payments would be applied first to late fees ( if applicable ), then to the Minimum Payment Due amount and that the additional amount you designated would be applied to your highest interest rate loan in repayment ( or to the higher balance for loans with the same rate ). The additional {$50.00} monthly payment is being applied to your loan ending in 20 as this is the loan with the highest interest rate. '' Their own response does not make sense and they do not provide any evidence or support for their assertions. For example, it says that extra payments will first be applied to the Minimum Amount Due. However, this is a payment that is, in addition to, the Minimum Amount Due. So by their own description, the full {$50.00} extra payment should be being applied to the principal balance of the loan with the highest interest rate. Second, Discover 's response does not contain any evidence of how the extra payment was applied to " principal and interest ''. They say it went to both, but in fact, they are just applying the extra payment to the interest. This is not only counter to my clear instructions but also has the effect of extending the length of the loan period and unjustly enriching Discover.
Product: Credit card or prepaid card

Aspire calls 3-4 times per day or until i answer the phone. This is harassment. I have XXXX XXXXXXXX  and this is making me have XXXX XXXX. I want compensation for harassment.
Product: Checking or savings account

I recently locked my card Friday, XX/XX/XXXX of 2023, through online banking to prevent a charge from being processed on my account. The problem is when trying to unlock my card again Bank of America asks me to verify my identity as if I am not the one that just locked my card. Usually to verify they would give you other options like sending a gmail or text but I did not get these options, the only option I got was to call a number to get a code. I contacted the support number and they were trying to help but since I currently don't own a cell phone there is no way for me to receive a verification code or verify my identity which is absolutely crazy to me. Representatives all seemed helpful at first and then all told me the same thing which is there is nothing they can do to help. Even with my email being my preferred way of contact and me answering all my security questions I no longer have access to my checking and I cant order a new replacement card because I don't have a cell phone. I even stopped by my nearest branch and the manager could not help me, they tell me mobile is the only way to do so. As of today my account is locked and although I have access to my account through Online Banking I cant do anything such as withdrawal or card use without a verification code so my money is just sitting in an account, please help.
Product: Mortgage

It started in XX/XX/XXXX I filed for bankruptcy chapter XXXX. During that time that my servicer XXXX had transfer to CHASE with out informing me of the transfer. I had then contacted CHASE and requested to do a refinance because at the time my interest rate was at 4.875 % and my monthly payment was at {$1800.00} which I was not able to afford with only my social security income. In XX/XX/XXXX I received a denial letter from the lender stating that I was being denied for assistance due to not enough income. After receiving the letter I went to the office of for the Attorney General Office for Arizona and opened a case XXXXand filed a complaint towards CHASE and received a call back from them on XX/XX/XXXX from a point of contact XXXX XXXX and she advise me that they are able to review me for a modification. I received a loan modification package from the lender. I had prepped and submitted all my financial documents per the loan modification package to the lender by the end of XX/XX/XXXX. I received a call back from XXXX XXXX on XX/XX/XXXX that they had received all my documents and that I was currently in review. In XX/XX/XXXX I received a letter from the lender they they needed more time to research my request, and by XX/XX/XXXX I would have a decision. Also in the letter it stated that the executive decision of the review was XXXX XXXX. The lender then advised me that they would offer me assistance as long as I dropped my compliant with the Arizona Attorney General. I then received a loan modification from the lender on XX/XX/XXXX and the interest went down from 4.25 % which reduced my payment to {$1500.00} which I was fine and happy with. It was months later that I was advised that my loan term had been extended an extra 10 years. Which shocked me because it was never mentioned on my paperwork and I would have never agreed to paying an extra 10 years on my loan. I then tried to do a refinance to correct the matter and was once again reviewed for a modification and was offer a stream line which began in XX/XX/XXXX for the amount of {$1400.00} which is only reducing my payment to {$13.00} but yet still keeping my interest rate at 4.25 % I feel that the lender took advantage of me and placed 10 more years of payments which I am struggling due to only have set income from SSI and my Annuity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my Trans Union, XXXX and XXXX Credit report and saw two Student Loans reported on my credit file. one for {$4.00}, XXXX, and the other for {$1900.00} both reported on XX/XX/XXXX. I have never applied for any student loans. I left XXXX XXXX XXXX XXXX XXXX in XXXX and my tuition was paid by XXXX XXXX for the semesters I was enrolled. I currently have one semester credit for XXXX XXXX for me to use if I want to return to college. I was also awarded Scholarship by the XXXX of XXXX XXXXXXXX to assist me through college. 
I am not sure where this information came from, but they do not belong to me. I am aware that there are persons her in XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX with my exact name. I have had issues in the past regarding mail and scholarship award that was given to that person in XXXX XXXX in error. 

I have been the victim of identity theft XXXX different time here i XXXX. Once my pocket book with all my personal information, ss card, drivers license, credit cards, bank book and other documents were stolen. My bank account was hacked XXXX times and on one of those occasions, they cleaned out my account. They have also filed my tax fraudently and so each year the IRS have to assign me a security pin to file my return. Not sure if any of these incidents have played a role in this situation.
Product: Checking or savings account

The weekend of XX/XX/XXXX I was watching my account as I was spending my money and all of a sudden I was hit with so many overdraft fees that it was crazy! They garnished my whole check twice! I was supposed to have overdraft protection! This was the worst experience I have ever had with a bank!! I closed the account because they didnt want to give me back my money.
Product: Credit reporting or other personal consumer reports

DELETE THESE INQUIRIES. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Bayview Asset Management , LLC - Concur with Bayview Loan Servicing , LLC XX/XX/XXXX - I received the revised XXXX 1098 Year End Mortgage Int. Statement - The Revised statement as of XX/XX/XXXX states the principal balance was {$290000.00} and BLS is reporting total interest received was {$14000.00} showing a reduction of {$10000.00} BLS how did you derive at this amount? Your correspondence letter gave no explanation - BAYVIEW LOAN SERVICING EXPLAIN THE DESCREPENCY in detail. To help you figure it out ... I have attached the Payment History Excel file from the BLS Customer Web Portal - LOOK at row 58 and 60 highlighted in YELLOW. The report shows there was {$24000.00} in the suspense account on XX/XX/XXXX. On XX/XX/XXXX the Suspense account Balance decreased ( {$16000.00} ) and the principal balance was reported to be {$290000.00} - WHAT HAPPENED TO THE {$16000.00}??? There is no balance reported for XX/XX/XXXX in the report as stamped on XXXX 1098 Year End Mortgage Statement I have yet to receive the Revised XXXX 1098 Year End Mortgage Interest statement The payment History that is reported through BLS Web Portal shows in detail where payments were not being applied on a regular monthly basis. NO where on the report does it show where the Trustee partial payments were being applied. INACURATE PAYMENT REPORTING HAS CAUSED THIS PROBLEM. BLS Please report your response through the CFPB web portal so both sides to the story are revealed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry appeared on my credit report report without my consent