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

While in XXXX XXXX during XXXX weekend, I had my Phone and Wallet stolen ( early Sunday morning ). When I realized my phone and wallet were stolen, I called ( with my sons work phone ) TD Monday ( XX/XX/XXXX ) morning to cancel card all my cards including TD bank. The Representative said she sees that someone went on a spending spree and that someone changed my PIN. She told me she would freeze my card, but I had to call again the next day to dispute the charges that were racked up because they were still pending. I called Tuesday ( XX/XX/XXXX ) and spoke with a XXXX. She submitted a fraud claim. A few days later I received a letter from TD bank stating an error did NOT occur because " the transactions appear to be authorized because a valid PIN was utilized at the time of the transaction ''. This does not make sense since I told them I had my Phone and Wallet stolen and the rep already stated they changed my pin. On XX/XX/XXXX I called and spoke with XXXX from TD bank. He thought it was very obvious these were fraud. I spend 45 minutes with him as he recorded my information in great detail. He stated it would be a good idea if I submitted a police report to XXXX XXXX police. He also stated that someone from the Fraud Dept. would be contacting me in a day or two. No one called me!. A few days later I received another denial letter with same exact reason. On XX/XX/XXXX I called TD bank and asked for a Supervisor. I spoke with an XXXX. XXXX told me to take the police report to my local TD bank in XXXX XXXX, NJ. I worked with XXXX and Branch Manager XXXX XXXX. They also said it seemed quite obvious someone used my card fraudulently, and that I should be reimbursed for these charges. They submitted another claim w/ police report. Today XXXX, I received a letter from TD bank, stating they declined claim because " Card was not utilized after you notified us to close the card '' This is nuts! I had {$4900.00} of fraudulent charges from TD bank. I also had my XXXX, XXXX and XXXX XXXX, used illegally. These other banks flagged transactions and/or reimbursed immediately. TD bank did not flag 1 transaction, nor did I receive any notification via email that my PIN was changed. I also have not received the transcripts of conversations with TD bank that I requested from XXXX ( TD bank Supervisor ). Also, as more supporting evidence : The people who stole my phone and wallet also hacked my XXXX account changed my address and ordered things to a XXXX XXXX address ( see Police report ). It is also quite obvious these charges are fraudulent considering many gasoline purchases in XXXX XXXX, considering I didn't have a car while down there.
Product: Credit reporting or other personal consumer reports

I appreciate the time taken to address the removal of certain items from my file due to fraudulent activity. However, there are still several remaining items requiring attention. According to FCRA section 605, it is mandatory to remove any items listed on FTC REPORT # XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report # XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : -- -- -- -- -- EXPERIAN : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be advised that you have four business days to remove the reporting of any fraudulent items from my credit file. I do not consent to E-OSCAR or any form of automated verification. Your prompt attention to this matter and a response within four business days are appreciated.
Product: Credit card or prepaid card

This bank chase has profiled me twice and dose not care about there customers at all they just want money that ; s it period this is unfair and uncalled for this bank needs to be investigated they assume people cant afford to pay bills so they close them with out calling them or working with them which they have not done with me at all the company treated me unfairly and rudeness also so I wanted solved now other wise I am filing complaint with American disability act against this bank for profiling me and treating me unfairly do to having autisim and ADHD I do not understand things very well at all and have had hard time in life so for this bank to advantage of me is uncalled for I will not give up until the bank either pays off the balance for me or is willing to compromise in a professional caring way in writing
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case Public Law 73-10 states all debts public and private are obligations of the government. 
In addition " And because you have my social security number, what is legally taking place is a trust action- with me as the beneficiary and with XXXX as the trustee. As the trustee, you are the authorized representative of XXXX that has the fiduciary obligation to act in a way that will benefit me, the beneficiary. However, your company is in violation of trust laws as your corporation is accepting my electronic funds transfers personal checks as payment while also redeeming the coupon which is receiving double the payment for the same obligation and that is a crime. This is malfeasance, a violation of trust law and may be reportable under the Sarbanes Oxley.I am indeed without a doubt the beneficiary of the social security XXXX XXXX XXXX XXXX XXXX XXXX XXXX and you the corporations and agencies involved are the trustee with a fiduciary responsibility/obligation to do whats best for me the beneficiary.The are also in violation of the FCRA and the FDCPA as well as other Uniform Commercial Codes.They also verified accounts and closed my previous disputes without a reasonable explanation.
Product: Debt collection

I have reached out to SIMONS AGENCY several times. Most of the correspondences were sent certified mail. Initially I asked for validation of debt. Simons Agency responded several weeks later outside of the allotted time allowed by law. I sent an invoice for this violation. Simons Agency sent for the second time copies of an alleged debt on XX/XX/21. A cease and desist was sent to Simons Agency. A notice of fault and opportunity to cure was sent on XX/XX/21. As of todays date Simons agency has not replied to these violations. Simons Agency is in violation of the cease and desist as they are still reporting to my credit reports. I have never contracted with this company and validation of debt was not permissible by law.
Product: Checking or savings account

Bank of America let a third party checking account steal XXXX XXXX from me via a transfer. I have filed a police report and would like you guys to work hand and hand with law informant as I am taking legal action apon the person who stole XXXX out of my account which bank of america allowed them to do so.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to withdraw {$19.00} from my withdrawable cash amount in Robinhood. Unfortunately, when I try to add a debit/credit card it gives me an error saying try again tomorrow. Unfortunately, this has been a problem for a year now and they won't let me withdraw the cash. So then I reached out to Robinhood support and they responded with saying " Unfortunately we don't know why this feature is happening on your account but we can't help. '' They then told me I could do a bank transfer. The problem with that is that dont do transfers with XXXX . So now I'm stuck with no option to get my XXXX out of my withdrawal amount. They won't give me any help or remove the lock on linking my debit with my account.
Product: Credit reporting or other personal consumer reports

Will not live freeze off my credit report. Ive made several complaints to no avail. Anywhere I apply for credit. Im getting an error message saying that my credit report is frozen. TransUnion refuses to look into the issue that it may be aWill not live freeze off my credit report. Ive made several complaints to no avail. Anywhere I apply for credit. Im getting a error message saying that my credit report is frozen. TransUnion refuses to look into the issue that it may be a technical one that I nor customer service Can take care of
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/2021, I sent communication to XXXX  and Experian asking for a collection account to be investigated. The account is with XXXX XXXX XXXX. I have requested from the creditor documents validating this debt several times, as I am not aware where this came from .I sent in proof several times that this creditor is not validating the debt because they are not informing me as to how it was obtained. They have sent me several communications stating that the original creditor believes it is valid. When asked to send me proof of this account. XXXX  on 3 occasions sent me a 2 page bill that displayed no information as to what the charges are for. Also XXXX was reporting conflicting information between the credit bureaus. I sent this information to the reporting agencies and they only updated the information to match. XXXX  and Experian both failed to properly validate this debt. I have not been informed by neither XXXX, XXXX, nor Experian on how this debt was obtained nor where it came from. When I called XXXX  I was told that they have just started my dispute on XX/XX/2021, that is one month after my certified mail receipt shows it was delivered. Once I advised the rep that I had proof it was received by them on XX/XX/2021, he then changed the story that the investigation was completed and that they updated the information. This information is damaging my character and causing me a great deal of stress. I am trying to purchase a home and this is stopping me.
Product: Credit reporting

i received a phone call stating that I owed a lot of money to the state and whenI looked more into it I noticed that there was a lot of information on my creditreport that was incorrect
Product: Credit reporting

I used to live at XXXX, XXXX XXXX, Tx XXXX and i XXXX on XX/XX/XXXX.I had to vacate my apartment and break my lease because i have to go for XXXX. My XXXX started XX/XX/XXXX and ended XX/XX/XXXX.I then proceeded to the XXXX. I got out of XXXX in XX/XX/XXXX.I relocated to XXXX, Texas XX/XX/XXXX.I got an apartment in XXXX, Texas and during background check, they discovered i was owing XXXX $ XXXX.I called the manager at XXXX and she told me that, I incurred a debt of {$110.00} because they spent it to clean my apartment unit after i moved out.I asked her about my security deposit and she told me that, i have forfeited that because i moved out without completing my lease agreement.I explained to her that i broke the lease because i had to go for my XXXX and i submitted all necessary papers.The apartment manager said she is aware of that but it was their policies to hold on to the security deposit.She then told me that my debt has been given to an external creditor.I called the external creditor instantly and paid the debt.The external creditor ; XXXX XXXX XXXX XXXX ( Phone Number XXXX XXXX XXXX ) closed my account after payment but the left it on my record.My problem is that this debt appears on my credit report anytime my rental history is pulled up and prevent me from getting an apartment unit.I was on a XXXX and i should not incur this debt in the first place.I will be grateful if this particular record is removed from my credit report.I dispute the validity of the debt and actions taken by the Management of the XXXX and National XXXX.Please find attached document showing details of my schedule and program for my XXXX.
Product: Credit reporting or other personal consumer reports

I legally asked Transunion Credit Bureau to refrain from allowing exploitation & internal employee obstruction of my personal credit report access for 3months I asked the Speciality handling department to handle an investigation into why the screen stalls when attempting access to submit Disputes online. It is my personal right to correct and request deletion of items that aren't mine & they keep ignoring my emails & callas like I won't put them on the news pur contact the Government regarding sabotage of my personal financial security. They have no ADA Compliance for phone & Relay support & I have asked for Directors & media staff to seek out a resolution before XXXX. Now they saying they can delete my account & create a new one but that isn't the solution for the issue. The resistance to reactivate my access leave my account alone from XXXX XXXX XXXX always trying to block & keep celebrities from their own profile access. This is Compliance fraud & I don't want my Dispute done XXXX XXXX XXXX representatives who are XXXX XXXX  relatable & never want to transfer to executives in XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 60 days 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. XXXX XXXX XXXX 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 8
Product: Credit reporting or other personal consumer reports

I have inquiries with XXXX credit bureau that I did not authorize and do not recognize. I need them removed immediately. 

Each unrecognized/unauthorized item that is on my XXXX report are listed below along with the inquiry dates : US BANK XXXX BANK ) - INQUIRY DATE ( XX/XX/year> )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Product: Mortgage

Hello, I would like to issue a complaint on " Mr. Cooper '' XXXX XXXX XXXX XXXX. XXXX, TX, XXXX my previous mortgage servicer. 

I recently closed on a new loan with XXXX XXXX XXXX  for my existing home on XX/XX/XXXX and it was funded to " Mr . Cooper. '' on the XX/XX/XXXX. Just yesterday on XX/XX/XXXX, Mr. Cooper called my XXXX closing attorney, XXXX XXXX and said that I owed over {$2000.00} in escrow money. 

I find this to be unethical. Mr. Cooper never alerted me of this when I was their client and XXXX said they've never seen such poor management of a mortgage before ( they worked with Mr. Cooper to get the final amounts etc. ) owed. I feel strongly that this is Mr. Cooper 's problem and not mine. I am not longer their client and they never alerted me or my new loan organization, XXXX of this $ XXXX + escrow. 

I called Mr. Cooper today and they claim that when they bought my loan in XX/XX/XXXX I came over with only {$140.00} in escrow. They missed my XX/XX/XXXX tax payment to the city and the payment they made in XX/XX/XXXX was for XX/XX/XXXX. My question for them was who has my previous escrow money. Mr. Cooper or my previous loan, XXXX XXXX? Theyve admitted that theyve made many mistakes and said they failed to alert me that the XX/XX/XXXX payment was an advance. 

I am concerned that they will try to strong arm me in making this payment. I would like your assistance and for your help with this complaint. In addition, I'd like to ensure this does not happen to anyone else. 

Regards, XXXX XXXX
Product: Debt collection

i had call them back in XXXX when i found out i was on credit report and i told them it was me than i ask where and how didn't want to get them
Product: Mortgage

My payment history shows that Ditech had received a payment for {$1000.00} which was to be XX/XX/XXXX  mortgage payment with the extra amount going to principal. They show the entire amount going to principal and that I have n't made a XX/XX/XXXX payment yet. I wrote them about this on XX/XX/XXXX and got a response on XX/XX/XXXX that reads : " Your request is being reviewed for appropriate processing, '' yet the account shows no mortgage payment for XXXX 2017, according to them. Given all of the problems with Ditech/Greentree that I 've had, I honestly believe this is an attempt by them to claim a late payment by me. I also wrote to them indicating that I was sending in XX/XX/XXXX payment early and that this, too, should be applied to XX/XX/XXXX mortgage payment. I have not seen that payment as posted, yet. I also asked ditech for a new security question from among the three they give me. The answers must be exact with cases correct and I ca n't remember one of the answers. I have been locked out of my account a few times because of this. Once is happenstance. Twice is coincidence. Three times is enemy action ... .XXXX XXXX . This is well beyond the third such issue with Ditech.
Product: Credit reporting or other personal consumer reports

These hard inquiries are not authorized XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

IQ Data International, INC Account : XXXX I never had any contracts, businesses or anything to do with this company, They claim that I owe them {$9800.00} and that they validated the account which is 100 % a BIG lie. Show me that I had a legal contract with YOUR company otherwise by law you have to delete this from my credit report. I know that you can't prove it because you know very well that I've never had an account or any legal contracts with you. Therefore you have 20 days to delete this from my credit reports that you ILLEGALLY and without my consent had reported to my report.
Product: Student loan

Account duplicated multiple times. 
Department of Ed/ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX All are dated XXXX/XXXX/2010