23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This XXXX refinance transaction is troubling. First of all, I specifically told the lender that I would like to refinance my payoff balance. Then I had a processor negotiating how much to refinance based off what I thought I owed US Bank. She first put {$94000.00} as I was n't sure. Then she put {$87000.00} when my payoff was around {$86000.00}. I do not understand. 

Another issue is that I had an escrow shortage of {$1100.00}, so I made an additional payment into escrow in the amount of {$1100.00}. I was advised last week by the processor that I would not need to bring any monies to closing. Then a closing manager contacted me on Friday telling me that I need to bring over {$1900.00} to closing. She also says my payoff has increased to over {$88000.00}. I do not understand. She told me that if I did n't agree, we would n't close until next year. I agreed as I would n't consent to this tactic. My loan officer was out of the office on XXXX XXXX. My closing was anticipated for XXXX XXXX. 

I find something unethical about this transaction. First of all, they waited until the last moment to drop the final number to pay. Why would I need to pay when I paid the escrow shortage? They also increased my interest rate from XXXX to 5 % to including my closing costs. I feel as if I 'm getting ripped off. 

The amount financed should not be negotiable. I 'm not requesting extra money. It seems as if the lender is trying to increase the amount finance and loan costs. 

Could you please investigate this transaction? I will attempt to obtain the documents I received last week showing the new numbers and the amount they are requiring. 

I also filed a complaint with the XXXX program requesting an investigation.
Product: Credit card or prepaid card

XX/XX/XXXX I received my money since then I've been in contact with bank of america I filed a complaint with them that my account security has been accessed by outside means the security questions have been changed even the emails and phone numbers but they weren't supposed to allow it I verified with plenty of people that I am the account owner yet again today on XXXX  XXXX XXXX my account is yet again inaccessible to me cause they failed to protect my identity I am requesting help to fix this if by any means they can I already had over XXXX dollars spent it of my account that was supposed to be refunded and now they are refusing to assist me
Product: Student loan

I am being charged principal and interest for a loan and I have not graduated yet. I am still in school and this loan should not come due until after I graduate. I talked with the Conduent people several times and they have my graduation date incorrect. They said it was the college that had the incorrect date. I spoke with the collage several times and this is not the case. My father has been making payments so I do not get charged late fees or get poor credit reported. 
This company seems very suspect in their practices.
Product: Debt collection

I RECEIVED TWO LETTERS in the mail from XXXX XXXX XXXX in regards to debt they claim I owe XXXX XXXX. Account numbers are XXXX AND XXXX. I contacted the collector and was promised that after each debt was settled, they would both be deleted from my report. 
I offered to pay {$650.00} XXXX and {$700.00} for XXXX. They verbally accepted the offer via phone and I am waiting for them to remit a written agreement stating the debt will be deleted via postal mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Carhop auto finance account opened XXXX with a balance reporting {$6800.00} on my credit. Im unaware of this account and any addresses associated with this account. Ive reached out to the company that I was not in XXXX XXXX during the time and that account does not belong to me. Please remove account immediately.
Product: Mortgage

My mortgage is serviced by XXXX XXXX PHH Mortgage Services. I have been attempting to make a payoff payment, but the practices of XXXX and/or PHH Mortgage Services is preventing me from doing so due to : 1 ) The online payoff payment statement functionality is broken, producing an error. There is no way for me to obtain this through the self-serve options online. 
2 ) I called the telephone servicing representative and informed them to send me the payoff payment statement. The representative has no capability to deliver this information directly over the phone ; it is only available via fax and postal mail. I requested the information both via fax and mail, but also experienced issues 3 ) The fax was never received 4 ) I informed the phone representative that the property address they had on file was incorrect due to a misspelling in my street address. That spelling mistake was never corrected. I believe that due to this, I have not and will not receive a payoff statement via mail The practices of these two companies result in continued interest compounding on my mortgage and I have no way to make a payoff payment.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

There is a FRAUDULENT item ( XXXXXXXX XXXX XXXXXXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 TransUnion received via USPs Certified mail a written request to update my credit file with them, ( see attached request ). Transunion responded without updating nor did they correct the requested information. I also included my Maryland State ID Card and my social security card as identifying proof.

Transunion is still reporting inaccurate information on my credit report which is a direct violation of FCRA.

Transunion is reporting inaccurate information such as WRONG DATE OF BIRTH, WRONG ADDRESES AND WRONG PHONE NUMBERS, when documented proof of the CORRECT date of birth and address has been summitted to them.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to delete some of the data on my credit report, but there are still some items that need to be deleted. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/202, I sent a letter to the credit bureaus in regards to inaccurate information being reported on my credit report. To this day 60 days later I have not received a response in regards to this dispute, to my understanding that have around 30 days to conduct a investigation to correct these inaccurate items or remove them from the report as stated in Section 611 ( A ) .. Since it has been 60 days to this date I demand that these accounts be removed from my credit report immediately or I will file for litigation due to the stress I have endured. My information was impacted by the XXXX  data breach.
Product: Bank account or service

I tried to open a checking account. They said i was red flagged i couldnt. I was told to talk to the XXXX when i contacted management. I got the report and they had never even checked that sysrem. Then i got a letter in the mail that they had run my credit score. I did not apply for credit nor agree to allow them to run my credit score. They them denied me a checking account even though i have never had a problem with abank account. This was at jp morgan chase
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX CALIFORNIA XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX CHECKING OR ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been multiple attempts to take action against the fraudulent accounts reported by the listed companies below. I have personally called and spoken with the companies to resolve this issue and no action has been taken. 

Please REMOVE all Unauthorized Accounts from my credit report : ACCOUNTS : XXXX XXXX XXXX ( XXXX ) -IQ DATA INTERNATIONAL ( XXXX ) -ORIGINAL CREDITOR ( XXXX ) THANK YOU FOR TAKING FORWARD ACTION ON THIS MATTER.
Product: Debt collection

I received a letter from George Brown Associates in XX/XX/2022. It stated in the letter they were collecting a medical debt of {$3.00}. The letter gave the options of paying the debt or disputing the debt. I disputed the debt on there form and I enclosed a letter which I asked for a debt validation letter to be sent to me if they could not validate this debt to not contact me further. I sent this letter and debt dispute insert via certified mail on XX/XX/2022 they received the letter since I have the tracking number. I did not receive a debt validation letter back from George Brown Associates, INC nor response to debt dispute In XX/XX/2022 George Brown Associates contacted me again with same letter for same supposed debt. I called them on XX/XX/2022 again disputing the debt. Since it was over 30 days without a debt validation letter and no response to dispute of the debt. I am asking for them to stop contacting me. I do not owe this debt.
Product: Payday loan, title loan, or personal loan

I could not pay loans during XXXX XXXX pandemic and company would not offer a extended payment plan
Product: Credit card or prepaid card

Chase has allowed merchants using cards that were closed for fraud to charge against my current account number. 

They failed to properly investigate fraudulent transactions. Made claims after getting statements in writing that there was nothing they could do as the window had expired. The reason the window of eligibility expired was due to their mishandling. 

I have submitted documents, spent well over 4 hours on the phone with completely inept personnel who simply repeated information in the face of overwhelming empirical data contradicting their statements. 

I have over {$2500.00} in charges that need to be removed from my account. These were made without my authorization on stolen cards or on cards that Chase had closed and replaced per their procedure. 

Their executive staff claims to investigate these issues, yet I have no way of contacting them. I am left with no recourse except for civil action.
Product: Checking or savings account

Executive Office Chase Bank Mail Code XXXX XXXX XXXX XXXX XXXX 
XXXX OH XXXX Thank you for your letter dated XX/XX/XXXX in response to my complain to Consumer Financial Protection Bureau on XX/XX/XXXX. 
On XX/XX/XXXX my account balance was {$15000.00} and I was very careful not to withdraw from this account because I would have lost my bank credit of {$200.00} if I did so before 90 days. 
On XX/XX/XXXX I went to the branch in XXXX XXXX and deposited enough cash to bring my son 's account ( ending in XXXX ) balance to {$15000.00} in order that he also receives {$200.00} credit. I received statements from the teller that both of us had {$15000.00} in our accounts ( see attachment ). My account was ending in XXXX Our account balances stayed at {$15000.00} until XX/XX/XXXX but all the sudden on XX/XX/XXXX there was a {$3800.00} withdrawal from my account ( ending in XXXX ) without my authorization. 
Your explanation on your letter dated XX/XX/XXXX is so complicated that I have problems understanding it but even if there was a withdrawal of {$3800.00} from my account on XX/XX/XXXX because your computer did not deduct from my account you are responsible for the confusion because otherwise I would have deposited the right amount on XX/XX/XXXX to bring my son 's account to {$15000.00}. However I have lost {$3800.00} due to your computer error. 
On page 2 of your response you are stating that " If you did not intend for the total amount of {$7300.00} to be posted to your son 's account, you may wish to resolve this matter directly with your son. '' My response to your above statement is : this is your responsibility not mine.
Sincerely Yours XXXX XXXX
Product: Mortgage

I have a mortgage with TD Bank and a TD Bank checking account, which I use to make my monthly mortgage payments via online banking. Each month, I pay more than my required payment to reduce my principal and send a secure message to TD Bank specifying how the extra funds should be applied. TD Bank confirms that my payments will be applied correctly, yet they frequently misapply my funds or process them on an untimely basis. 

I previously filed a CFPB complaint ( ID : XXXX ), but the issue remains unresolved. TD Bank continues to mishandle my payments despite my repeated efforts to follow their instructions. TD Bank has proposed impractical solutions, such as requiring me to visit a branch i
n person each month to make payments, which is unreasonable given my work schedule and the limited number of branch locations in my area. There is no reliable way to ensure my mortgage payments are processed accurately, which has caused me significant stress and anxiety every month for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax unsafely stored my data and as a result it was stolen.
Product: Checking or savings account

Capital one act # XXXX Capital one told me on or about XX/XX/year> that they were closing my account. As of today they have failed to send me the money from the closed account..
Product: Credit reporting

Equifax is listing fraudulent account information on my credit report. I have never signed any documents, agreements or contract with this company. I requested proof from Equifax, I requested copies of the original signed dated contract. No contracts or agreements exist with my signature that shows I allegedly owe XXXX XXXX XXXX XXXX. Account Number XXXX. I informed Equifax that this was a fraudulent account opened in my name. Equifax informed me to send an identity theft report and they would remove the XXXX XXXX XXXX XXXX. Account Number XXXX in 7 days. I sent Equifax the Identity Theft Report as instructed. Equifax still will not remove the account from my credit report. 

Equifax is knowingly and purposely violating the Fair Credit Reporting Act, which states once an Identity Theft Report is received, the fraudulent information is to be blocked from showing on the credit report in 4-7 business days. In addition, no documents, contracts or agreements exist with my signature. Please make Equifax remove, XXXX XXXX XXXX XXXX. Account Number XXXX from my credit report, for violating the FCRA
Product: Checking or savings account

On XX/XX/year>, I received an email from my bank, Bank of America, that my account balance was low. I had over {$2000.00} in my account and I was not expecting any withdrawals or payments to be made. I logged into my mobile banking app and noticed XXXX charges I did not make, totaling XXXX. I immediately contacted Bank of America to report this as fraud. Bank of America locked and cancelled my card and began an investigation. I asked for my money to be returned to me and they said I would have my money back by XX/XX/year>. I told them I have bills to pay, XXXX shopping to do and I would really appreciate it if the money could be placed back into my account but all they said was I would get it back sometime by XX/XX/year>. I also asked why XXXX fraudulent payments ( {$800.00}, {$800.00}, and {$500.00} ) were not stopped or even checked for fraud but Bank of America would not provide me an answer. I want my money back from Bank of America
Product: Checking or savings account

On XX/XX/2021 XXXX transactions of {$1600.00} ( XXXX XXXX XXXX XXXX XXXX  XXXX ) and {$890.00} ( company name XXXX XXXX XXXX : XXXX XXXX ) where done in our account in Bank of America, we call the bank immediately because we didn't approve them. We file a complaint because they took our money even though it was not approved by us. They sent us an email saying they received the forms with the complaint. Case Number : XXXX and XXXX On XX/XX/2021 a new transaction not approved by us was made by the same company of $ XXXX.And a new investigation was open with the bank. Even tough we don't know this company or approve any transaction with them. 
Today XX/XX/2021 we are checking the status of this dispute with the bank and they are saying it was closed because it was too late and it was more than 60 days. And when we called the first time in XXXX, they said we had to wait 90 days for an investigation to happen. 
We are not getting anywhere with them. We need our money bank that's it. 
We also went to the bank personally and no manager to give us an answer.
Product: Consumer Loan

I am having financial difficulty and trying to get a deferment and my lender is not allowing me to do so without paying them {$300.00} to do a deferment. A deferment does not cost money, it is a right as a consumer and they should not be charging me to do so. I have never missed a payment until recently and at a time when I most need help, they are not helping me. I received a letter from them about getting a deferment but when I called they said I could not do a deferment and the manager said I could and I received a letter. This is inconsistent and I believe they are causing further undue hardship.
Product: Student loan

I had my student loans via XXXX, then they were bought out by Navient. I started out with a total of about {$28000.00} total after graduation in XXXX. I had a hard time finding a job, so they advised to put it into forbearance without advising me of the interest that would accrue. This happened on a number of occasions. Summer of XXXX, my loan came due and the least they would make my payment was over {$400.00}. I could not afford to pay that much, so they approved me for a {$0.00} payment. AGAIN, they did not tell me interest would continue to accrue. I am now almost in the hole for double the amount I originally had borrowed. These people are crooked and will not help your situation.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the
guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TARGET/TD never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

CFPB - XXXX - active investigation has taken over 30 days to complete and yet no resolution has been found.