23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I opened an account with XXXX XXXX to take advantage of an interest-free term for a new phone, which was processed through TD Bank XXXX Previously, I had an account with TD Bank for another retailer and attempted to log in using my existing credentials. However, I was unable to locate the new account associated with my previous account until I received a notification about a late payment fee. 
Upon further investigation, I discovered that a second TD Bank account had been created with new login information. I was still unable to access this account, necessitating a call to customer support for assistance. They helped me log in, addressed the late fee, and I set up auto-pay. 
Initially, I believed that auto-pay had been successfully established. However, I later learned from TD Bank that auto-pay can not be set up within XXXX hours of making an online payment, which resulted in my account becoming past due again. 
When I contacted TD Bank customer service to resolve the situation, I was informed that they could not remove the additional fees that had accrued due to their inadequate communication and website architecture. I was advised to submit a written dispute form via mail to contest these charges. After doing so, I received a response stating that their records regarding late payments were accurate and that they would not remove the charges. 
Approximately a month later, I discovered that, in addition to the approximately {$140.00} in late fees, TD Bank reported my account as 30 days past due to credit agencies, which adversely affected my credit score by XXXX points. 
Despite multiple attempts to contact TD Bank, I was unable to reach a customer service representative. Additionally, their requirement for a written form to dispute charges complicates the resolution process.
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. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX CO : XXXX, XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus about the closed account reporting as being open when the original contract for the loan was misrepresented. The vehicle was financed through global lending services and repossessed four years. The sales man of the vehicle XXXX XXXX stole my {$5000.00} down payment and never factored into the direct loan. He has since been incarcerated  for doing this, also I never received any notice of defiency or redemption. Ive been arguing to have this removed from my credit score for years without the agencies properly investigating this even when I sent in proof.
Product: Credit card

I contacted Bloomingdales credit about charges on my account that were not by me ( fraudulent ). They responded on XXXX/XXXX/2015 with a letter asking me to fill out a fraud claim form. I did and have been given the run around ever since. The matter has still not been resolved and I have called every 2-3weeks. They have said they are still investigating, they said my claim fell through the cracks and they are working on it now, they have said I will take another 1-2 billing cycles to resolve it. Every time I call, it 's the same story. 
I contacted XXXX and they had me fill out a police report for Identity Theft and they would help me. However, Bloomingdale 's is giving them the same run around as they give me. 
In the meantime, I have bill collectors calling me and sending me threatening letters. I call every time and explain the situation and they promise the calls will stop, but they do n't. Most importantly, my credit score has dropped from XXXX to XXXX!! I am at my wits end and do n't know what to do next. Please help- however you can.
Product: Credit card

Chase Bank took out a large amount of money over {$5000.00} between XXXX XXXX. This was more than what the statement was for which was just over {$200.00}. They returned it after contacting them on the XXXX and on the XXXX took it out again. I did ask the Rep prior to getting off the phone if they payment will all be deducted once my money was return and was told yes. This has placed my bank account in the negative which is affecting me, my family and household in a drastic way. After speaking with a supervisor XXXX XXXX about the matter, he insists that there is nothing that he can do until the XXXX in which it should fall off. My question to him was what I am to do concerning my children and the automatic deductions which will be coming out of my account? and his recommendation was raising my credit limit higher. How is this supposed to help me by adding more depth to my accounts I asked him and all he can say is sorry, but he can not do anything to help. This is ridiculous that with a push of a button a company such as Chase Bank can remove a customer 's money, leaving it in the negative, but the customer must wait days before our money can be returned to our accounts?
Product: Credit reporting, credit repair services, or other personal consumer reports

Simple. Fraud credit card account was opened in my name at XXXX XXXX XXXX I got the account closed down. Now I have a hard inquiry on my credit report. I have called and called. They won't remove the hard inquiry on a fraudulent account. Frustrating.
Product: Money transfer, virtual currency, or money service

PayPal has held my funds again. They are holding my funds and not telling me what the reason is. We had an issue weeks back and now again, theyre holding my funds against my will. They are saying that my traveling has flagged my account and never told me that this would happen. I called and they said that they had to clear some errors. They cleared the errors and they said to try the attempt again. I did, and it didnt work. This then extended the time that i can try again to 48 hours. I have done nothing wrong other than travel which i told them. My funds are held and Im now stranded across the country without access to my funds. They keep pushing back the date in which i can access my funds, but theyre the reason it is extended further because they told me to attempt the transfer. Im just trying to make it home, and me and my XXXX kids are without access to our hard earned funds. AGAIN after they pulled this similar activity in XXXX. I knew i should have stopped using the service as their arbitrary rules are not designed for us to take advantage of. This is an intentional abuse of power. They released a transfer already, and now all of a sudden Im flagged because Im traveling. They didnt call me or email me to notify of an issue with my account. They say that due to me continuing to try and access my money, it locked my account and they have no way to assist. Although they told me to try to withdrawal while they were on the phone. I spoke with so many people and their suggestions have now rendered me helpless when it comes to the accessing of my funds. I never was notified because they didnt notify me. To say the activity is due to suspicious activity, but not once notify me is wrong on so many levels. What if someone really was trying to access my account? Now theyre saying they wont tell me when that happens? I find that hard to believe because the times in which there has been suspicious activity, i was notified. Now that i need my funds again, they wont notify not allow me to use my funds that were made via legal activity and business. With so much fraud happening, youd think theyd assist better with that, as opposed to ruining the businesses of hard working Americans DURING COVID!
Product: Mortgage

I, XXXX : XXXX, Original Creditor hereby rescind my consent to be liable or compelled to perform on the contract and agreement with closing with XXXX but transfer to Bank PENNYMAC LOAN SERVICES LLC. 

I entered into this contact agreement with XXXXPENNYMAC LOAN SERVICES LLC without : Full disclosure of my right to rescind 2.Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; 3. AS well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). 
I have reason to believe that XXXX PENNYMAC LOAN SERVICES LLC willing and knowingly took advantage of me and consumer credit. 
I was given false disclosure and deceptive information, as I was informed that a down payment of {$10000.00} was needed during closing which was fraudulent 15 U.S.C code 1635. Within blank days after receipt of a notice of rescission, the creditor shall return to the obligor and money or property as earnest money, down-payment. Pursuant to 15 USC 1605 ( a ) the amount of a finance charge in connection with any consumer credit transaction shall be determined as sum of all charges. So after reading the home closing I filed a 1099A and 1099C IRS Approved the file and send it to the company PENNYMAC LOAN SERVICES LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/18 at XXXX I tried to get my credit scores from trans union and XXXX.

trans union link directed me several " security questions '' and after that to a pay website where I need to give my credit card to get the score. I declined.

XXXX website link directed me several security questions that were vague and used wording like bank card instead of credit card to mislead. After that step the website just prompted that they can not give me the score online and that I can only do it via regular mail, where I need to fill out an attached form along with the Social Security card Pay stub with Social Security number, W2 Form, Driver 's License, Rental or lease agreement/house deed, Pay stub with address, Utility bill ( gas, electric, water, cable, residential telephone bills ).

it looks like these companies go to great lengths to get money from the customers that need their own credit score.
Product: Credit reporting

Experian has continued to report me as deceased after several inquiries for the past 6 years. Every inquiry made shows me as deceased and they have not corrected the mistake, no matter how many times I dispute it. I never get any answer back from them as the forms do n't have any option to dispute being deceased. I have to go to the upload document to be able to even enter the dispute. I know there is a national database that they can look in and determine I am not deceased, and other bureaus such as XXXX have never listed me as deceased. I have new items and continued reports being added to my report every month, which they process and other disputes which they have process, but they keep reporting me as deceased and will do nothing to change that.
Product: Credit card

I have noticed for a while that the statement is not refelcting the correct balances. I reviewed and calculated the following charges. 
NORMAL STATEMENT CALCULATION WOULD BE : PREVOUS STATEMENT BALANCE {$2500.00} PLUS INTEREST ACCUMULATED {$62.00} MINUS XXXXAYMT {$170.00} WHAT STMT BAL SHOULD BE {$2400.00} CURRENT STATMENT BALANCE {$2500.00} DIFFERANCE TO THEIR BENEFIT {$23.00} XXXX recognized this when entering into XXXX. Thier statements are not complete and hard to understand. To me they are misleading. 

I have provied my XXXX & XX/XX/year> statements as proof. This is not about not understanding the statement. When you look at them they should be easy to read, they are not.
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a XXXX XXXX XXXX theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Consumer Loan

I am in the process of paying an attorney for Chapter XXXX. I contacted XXXX different loan companies advising them of this and told them to cease all contact with me. The continue to attempt to call me on my cell phone and at my work.
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND CREDIT MANAGEMENT said they acquired this alleged debt from another company and that they contacted me via mail. I never received any certified mail or any documents from MIDLAND CREDIT MANAGEMENT at my place of abode. MIDLAND CREDIT MANAGEMENT must provide documentary proof that I RECEIVED any communication from them giving them permission to furnish anything on my consumer report or delete the account immediately. The GRAM LEACH BLILEY ACT clearly states I, the consumer, must receive an option to opt out of any of my non-public personal information being shared without my permission. In addition, the definition of communication of a debt when it comes to the FCRA is : communication directly or indirectly regarding an alleged debt across ANY medium. My consumer report is a medium and your reporting is communication. You are in direct violation and must cease or I will not hesitate to hire legal counsel and seek damages.
Product: Student loan

As of XX/XX/XXXX I have made the 120 payments to be eligible for XXXX. According to Mohela, I have to wait 90 business days for the certification form to be processed and another 90 business days after that for forgiveness to actually happen. 

Furthermore, one must be currently employed with the non-profit organization when forgiveness happens. These delays add almost another 6 months during which one can not seek alternative employment in the private sector, amounting to more than a 10 year commitment as the program advertises.
Product: Student loan

XX/XX/2019 - Paid off one of my student loans. Still had several outstanding loans. 
XX/XX/2019 - * Receive a confirmation that above stated loan was paid off. Simultaneously receive an email that I have new Loan Repayment Terms ( received a letter ). The letter has the following as justification - " Your terms have been re-calculated due to a change in status ''. 
* Looked up the items reasons they declare that could cause this and I do not fulfill any of the reasons. 
* Call XXXX XXXX and ask the customer service rep to provide the reason they changed my loan repayment terms. She replies it's caused by the previously stated loan that was paid off on XX/XX/2019. I inform her this makes no sense, why would this impact my other loans. I request a copy of my previous Loan Repayment Terms and she asks me to go on hold. She eventually comes back and says the information she provided is incorrect and that XXXX XXXX incorrectly changed my Loan Repayment Terms. 
* As a follow up, i'm waiting for a new set of Loan Repayment Terms and a copy of the original ones as well. 

Bottom line - How on earth can they just change my loan repayment terms? I'm fortunate in that I've worked with student loans extensively but had I taken her word immediately, I would have operated on totally incorrect information. Furthermore, the letter they published should provide the justification for the change as opposed to a generic " many things could have changed ''. Why doesn't XXXX XXXX   get any sort of reprimanding for this sort of behaviour?
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I leased a XXXX XXXX XXXX. At this time, I signed up for automatic payments. 

In XX/XX/XXXX, the lease amount changed due to from what I understand as taxes, without notification and XXXX XXXX unenrolled me from automatic payments. 

In XX/XX/XXXX, I called XXXX and paid the XXXX payment on XX/XX/XXXX and reenrolled in automatic payments. At this time, XXXX verified I was reenrolled in automatic payments. The next month, XXXX again unenrolled me from automatic payment without notification. On XX/XX/XXXX, I called XXXX and discovered they added late fees and late payments to my record. At this time, I paid off the entirety and again reenrolled in automatic payments. 

At the end of XXXX, XXXX submitted this to the credit bureau and my credit score significantly dropped, as well as my 100 % on-time payment. 

I contacted XXXX about this and submitted a dispute on XX/XX/XXXX. However, it went unanswered. 

Please help me.
Product: Mortgage

Wells Fargo Home Mortgage Acct # XXXX -I purchased the property in XXXX, keeping up with my payments even with the economic crash in XXXX which valued my home less than what I paid, and my severe reduction in income -Wells Fargo was handed cash by Federal Government to help homeowners affected by the recession, so I called on mortgage to try to refinance my loan at a lower rate since I was a 6 % - starting the process in XXXX -When I called, I was told by customer service that the only way to qualify for any assistance, I had to be in default in payments -When I did default, they had me apply for their Home Preservation Program -They proceeded to deny my application -They profited from my default fees and late charges -Later when tried to refi again, my credit score was ruined, and they denied my application -I was forced to sell my home after 11 1/2 years, since the 10-year interest only reverted to a conventional loan and the payment increased -I called Wells Fargo to be included their Fair Fund Claim -I still have not received an answer from them
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed the following unknown inquiries that I did not authorize that still havent been removed from my Experian credit report : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I mailed a certified letter to Equifax on XXXX XXXX, XXXX and XXXX XXXX, XXXX regarding the incorrect reporting of my XXXX student loans. Despite two written requests, including original documentation from XXXX XXXX to support my dispute that XXXX XXXX has changed their name to XXXX and the XXXX delinquent items listed on my Equifax report should be reporting CURRENT they still remain on my credit report in violation of Federal Law. 

In the results of the first investigation and subsequent re-investigation, Equifax ignored my dispute and did n't update the inaccurate items listed on my credit report. 
Furthermore Equifax has failed to provide a method of verification as required under Section 611 ( a ) ( 7 ). Under the FCRA, unverified accounts must be removed. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' MY XXXX XXXX LOANS ARE CURRENT - MY SUPPORTED DOCUMENTATION FROM XXXX XXXX CONFIRMS XXXX XXXX CHANGED THEIR NAME TO NAVIENT ON XXXX XXXX, XXXX AND MY FEDERAL AND DEPT. OF EDUCATION LOANS WERE NOT REPORTED PAST DUE OR LATE IN XXXX OR XXXX XXXX OR XXXX XXXX. 

This is my final attempt to resolve this issue. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding EQUIFAX continued willful and negligent noncompliance. The law is very clear as to the civil liability and the remedy available to me under Section 616 and Section 617. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please see the attached original document from XXXX XXXX. Please update the XXXX delinquent accounts to reflect " CURRENT ''. Please accept this final OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve EQUIFAX continued violation of the Fair Credit Reporting Act regarding your refusal to UPDATE information from my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not disputing the accuracy with these companies but thet did not follow proper protocol. 

These listed Accounts are under violation : XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX @ 15 USC 1681 ( a ) In General Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 
I DID NOT GIVE PERMISSION for this to be reported and this is also under Violation of 15 USC 1681c ( A ) ( 5 ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), NO consumer reporting agencymay make anyconsumer reportcontaining any of the following items of information : ( 5 ) ANY other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.

This means ANY POTENTIALLY NEGATIVE ITEMS UNLESS I COMITTED A CRIME IN WHICH I DID NOT.

I WANT THIS ACCOUNT " REMOVED '' from my credit report
Product: Credit card or prepaid card

HIGH 22 % interest rate Unable to effectively dispute transactions with Apple Pay since they only see it as a money transfer service when its a part of the XXXX XXXX XXXX restricted when I have available balance Always declining transactions Customer Service isnt too helpful Benefits not as useful as advertised
Product: Mortgage

I was in the process of purchasing a home with going thru Alterra home loans in XXXX Nj spoke with the loan guy XXXX XXXX several times and was giving a pre approval then an conditional approval. I gave them all documents needed on the approval even ones that was asked for twice by the underwriter. This company lead me up until time to close on the home which was on XX/XX/2020 with no link that this may not happen. My lawyer was emailing the company no response then the loan officer waited till the covid19 which happened after my closing date to then say the banks he could of went thru has pulled out while I was never told that it couldnt happen I myself gave notice to my landlord and now I have to find a new place to live cause he found new tenants for my place. The home owner of the home I was gon na purchase is now upset and trying to take my down payment of {$10000.00} cause the mortgage company XXXX   around. This have left me with a house full of stuff that was purchase for the home that cant be returned only cause as of XX/XX/2020 after speaking to XXXX and XXXX XXXX I was never told that it cant be done. I have all emails that lead up till then none say Im not gon na get my loan. Also I was to pay XXXX for home inspection then I payed XXXX for the home appraisal none of that money is being returned due to the mortgage company not finishing up my loan. Then he explains He was ready to close in XXXX a lie. He never told me lets close in XXXX. This have been very stressful and embarrassing and leaving me homeless.
Product: Debt collection

I worked as a manager for a cell phone store. The cell phone store issued me an american express card to purchase items for the store. The LLC should be responsible for the debt, not an employee.