23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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.

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 co
nvictions 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

In the month of XX/XX/2020, I discovered that there was fraudulent information/accounts on my personal credit report and I researched how to correct this information to move forward. I submitted to each credit bureau my dispute letter signed and dated, my identity theft affidavit and I sent each package to each credit bureau, Experian, XXXX XXXX and XXXX via certified mail with tracking numbers which cost me approximately {$37.00} to do this. Experian Certified Tracking Number : XXXX, XXXX XXXX Certified Tracking Number XXXX and XXXX Certified Tracking XXXX. I paid in addition to review my credit reports with my credit monitoring website {$29.00}. On XX/XX/2020, I received confirmation that each credit bureau received my dispute packages and I know my rights with in the Fair Credit Reporting Act section 611. Today is XX/XX/2020 and to date, I have not received ANY letters from the credit bureaus advising anything of their investigation to my dispute, nor has there been anything deleted from my credit reports. The credit bureaus have 30 days from the receipt of my dispute package ( XX/XX/2020 ) to investigate and/or delete disputed items. Today, XXXX XXXX makes this well over the 30 day mark and it is now 59 days since they received my dispute packages. I am filing a complaint due to my rights have been violated as a consumer and will be seeking legal council if this is not expedited immediately. I have paid a total of {$110.00} approximately for mailing dispute packages and paying for an ongoing credit monitoring service since discovering this fraudulent activity on my credit report. Please help me take care of this immediately as it is causing severe distress along with having to stay home during this pandemic.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation into discrepancies found in my recent credit report. Upon reviewing an updated copy of my credit report, I discovered that certain credit references, which have been reported and verified, are not included in the report. 

The missing credit references are crucial for accurately reflecting my creditworthiness and financial standing. Therefore, it is imperative that they are properly documented and included in my credit report. I am asking for immediate correction fot late open account and remove the charge off account in question : XXXX XXXX Balance Owed : {$4300.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

I trust that you will conduct a thorough reinvestigation into this matter and ensure that my credit report is corrected accordingly. If there are any additional steps or documentation required from my end to facilitate this process, please do not hesitate to inform me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It was a data breach, and my information was leaked due to the major data breach, and I would like for you to fix and protect my credit due to the leakage of my personal information such as my name, my raise my gender, my sex, my Social Security number, and my date of birthIt has been leaked on a black web, and Im demanding my credit to be fixed due to the big credit companieswere leaking my information and now my credit and identity is in jeopardy and Ive seen my information come up on the Black web. Which led to me being a victim of identity, theft a many of times even with getting my state ID someone had my information and lived as me for about two years.

The amendments expand the definition of breach of security to include unauthorized access to personal information regardless of whether it can be shown that the bad actor acquired the information. Prior to the amendments, Pennsylvania law required notification if personal information was accessed and acquired. The new, broader definition of a breach of security ( similar to many other states ) requires organizations to notify affected individuals and authorities even when data is only accessed. This change acknowledges the pervasive threat of ransomware attacks and other cybersecurity threats : data can be compromised without being exfiltrated and threat actors have sophisticated means to conceal technical evidence of their actions. This change heightens compliance and liability considerations, emphasizing the need for organizations to adopt robust cybersecurity measures and a comprehensive incident response plan to address the complexities of unauthorized data access.
Product: Checking or savings account

Summary = TD Bank is refusing to close my checking account and is holding all of my funds hostage without letting me withdraw, transfer, or XXXX my funds out. As per their procedures a written notarized request was sent almost a month ago and the account is still open and the funds have been held hostage for three months now without letting me access or transfer them.

Detailed : I've been having issues with TD Bank since late 2022 as I wanted to transfer funds into my Roth IRA from my checking account. However, upon attempting to do this TD Bank blocked my ability to transfer money from bank account to any other external account and the online portal for the last three months has a persisting error message ( proofs attached ) which upon even endlessly calling TD Bank reps ( customer service, IT, call center manager, local branches ) remains unresolved as the reps keep transferring from one rep to another without actually helping the customer. Furthermore, my ability to XXXX money in and out of account is also locked and TD Bank is refusing to unlock if after repeated calls for months ( proof attached ). When I call the national customer service they tell me to call the local branch where account was opened and vice versa. They refuse to offer any legitimate help and keep re-routing calls. The local branch also tells me to call either national helpline, or tells me to come into the office in Pennsylvania which is difficult for me as I live in Texas. Majority of the times, no one at the local TD Bank branch even answers their phone during normal business hours and if by chance they do, they hang up mid call. I've even submitted a complain about them to TD Bank manager using national customer service but to no avail. The address of this branch is XXXX XXXX XXXX, XXXX, PA XXXX. The local branch rep once answered the phone and said I could close my account and they would send me a cashiers check for my funds in account if I got a notarized letter through XXXX and sent a written request. After making me jump through many hoops and even after I sent the written notarized letter on XX/XX/XXXX ( proof attached ) they still have not closed my account and are holding my funds hostage. I need my funds to pay rent and bills every month and now I am having to borrow from friends, family, and take on credit card debt because my money is being held hostage and I have no other way to meet my financial obligations. When I call national customer care, they tell me account with funds in it can not be closed however on TD Bank website itself it says written request is a legitimate way to close account ( proof attached ). I have also attached the most up to date balance from my checking account as I no longer trust TD Bank and want CFPB to also know the amount in case TD Bank causes me any further issues by sending me a wrong amount. I am just very frustrated and stressed after more than three months of back and forth without a resolution. Every TD customer care rep I speak with tells me something different but no one is helping me. This has cost me countless hours of time, stress, and financial issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company used 25 year old negative criminal background info and sent to employer that resulted in not being hired. Info was clearly outdated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Account - XXXX XXXX XXXX This account is reported as 2 entries in Transunion. One entry stated open account. The second stated this account as a collection. No report of this account in XXXX or XXXX. I have no knowledge of this account. Please delete as this violates the FCRA in reporting. see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  XXXX Bankruptcy ( Date Filed/Reported : XX/XX/XXXX, Reference # : XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act, XXXX  accounts : XXXX, XXXXXXXX XXXX and XXXXXXXX have violated my rights. I have made repeated phone calls and sent out letters concerning any and all late payments.

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I disputed items on my credit report with wishes to have disputed items verified as debt. I was never sent a confirmation that the investigation was complete or any materials from debt collectors that showed account ownership.
Product: Debt collection

According to the IRS & law 15 USC 1681, canceled debit ( charge off ) is ordinary income that should not get reported on my consumer report. With that being said Ive never received 1099 c forms from the company on my consumer report. 
Santander consumer U to discharge and remove this inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account with XXXX Mortgage has been reported late in XX/XX/2020 and in XXXX 2020. Both months were paid on time. I have repeatedly asked XXXX to address these inaccuracies and they have not. We paid off this loan in XX/XX/2020 and XXXX continues to report inaccurate and late payment information to the credit bureaus. My requests have gone unanswered. My credit score continues to drop with their inaccurate reporting.
Product: Debt collection

MIDLAND FUNDING Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$4300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$6300.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$4300.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount midland funding removed themselves from XXXX but NOT XXXX need explanation why they removed from one but not all others? the orginal credit was XXXX XXXX XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Staff, My name is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX staff 's mistakes and lies have severely damaged my credit scores which is hindering my ability to improve my living situation. 

I made a payment on my credit card with their Phone Support Staff last month in XX/XX/2022. I did this with their staff on the phone going through the entire process going through their staff telling me their terms of service and if I agreed. I did agree. However, even though their staff told me they processed my payment their staff never did. This has resulted in an unjust and fraudulent Late Payment on my Credit Report with all the major Credit Bureaus. 

I called again last week when I discovered there was something wrong. I paid my entire bill and was informed that this fraudulent Late Payment would be removed from my report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX staff 's staff along with my unjust late fees return. XXXX XXXX has just notified me this employee lied.
Product: Debt collection

I disputed  four  accounts wit h Capital One  with the  3  major credit reporting agencies. The results of the dispute was that the accounts from  Capital One w ere removed  XXXX  file number  XXXX ,   XXXX   #  XXXX  and  XXXX  #  XXXX . The  Capital One  accounts were removed. However, beginning in   XXXX   XXXX     a new company called  XXXX   XXXX ,  XXXX  began collections on the removed accounts. The accounts were already removed by  Capital One  and should not be reflected by a different company.
Product: Student loan

I submitted for a refund of all payment made during covid. I submitted a lump sum payment of XXXX and I've requested the entire balance paid refunded to me. I am still awaiting that refund. It took aidvantage less than a week to cash my payment check, but now it's taking them 6 or more months to give me back my refund. That's ridiculous.
Product: Credit reporting

I am in the process to applying for an apartment and was denied. As per my experian credit report I have negative items, however when I pulled the report there was no negative items of it. Due to a false report I was denied the apartment and have to appeal the decision. It 's frustrating because I just realized that someone have been applying for credit in my name, even though I have an alert on my credit report. Experian need to remove the negative items off my report, some of them are past 7 years.
Product: Checking or savings account

On XX/XX/XXXX I went to the XXXX XXXX branch of chase bank located at XXXX XXXX XXXX XXXX, XXXX XXXX ga.XXXX, to handle my mounthly banking business..I went to cashbox # 6 and was taken care of by a cashier named XXXX.there were two transations that took place.first I transferred {$2100.00} from one account ( XXXX ) to account # XXXX, the second transation was a cash deposit of $ XXXX.on the XX/XX/XXXX I received notification from the bank of checks being returned for insufficient funds.On the XX/XX/XXXX I met with the branch manager,  XXXX XXXX where it was discovered that the {$280.00} was not deposited The manager made several calls after whuch she informed me of the procedures which had to be followed i.e tracking deposit slips etc ... I was recently informed that no further actions have been taken to rectify the mistake.in reviewing the receipts it was found that the cashier deposited {$20.00} instead of the {$280.00} ( which I am attaching to this compliant.In order to cover their mistake I had to deposit additional funds to cover the checks and fines
Product: Debt collection

Good time of the day! 

I got an alert that my debt went into collections. 
I do not recognize the original creditor, I never received any bills. 
My credit score immediately dropped 86 points due to collection. 

The original creditor is XXXXXXXX XXXX XXXX XXXX  The collection agency is M LEONARD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX This seems like an identity fraud to me. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for years to help TRANSUNION to report correct addresses on my file. I have sent numerous occasions via certified mail of copy of Driver 's License of both the former and current address as proof of residence addresses. To date, TRANSUNION refuses to comply! Please remove the following address from my Credit File at once : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Should be : Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX and Transunion, asking them to remove a collection that doesn't belong to me. XXXX and Transunion did not remove the collection after the investigation, nor did XXXX or Transunion provide evidence of the debt per my request. The collection reflected in my credit report is not my collection.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Debt collection

I, XXXX XXXX, am a natural person and I do not have a relationship with Hunter Warfield. I do not know why they are reporting this erroneous information.
Product: Consumer Loan

In 2007 I took out an equity loan with Bank of America for {$25.00}, XXXX. The original documents for the loan have been misplaced and after 9 years I inquired on the loan because it had been so long and figured I was almost done paying the loan off. I am a senior and currently on XXXX so I live on a very limited income. When I inquired on the loan I was informed that the loan would not be paid off until the year XXXX and it is my belief that I am being scammed. I was informed by the agent that out of my monthly payments only cents are going towards the principle of the loan. I asked for copies of all documentation to be sent to me because I wanted to see how much I have paid and how much has gone to the principle. I was not sent the information. I was sent what looks like an agreement that has my signature on a back page that is not attached to the agreement. I will not be alive in XXXX and this loan will continue to exist. I believe Bank of America purposely preys on senior citizens and I do not believe I have not paid anything towards this loan in the last 9 years.
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, 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. 

2.

In accordance with the Fair Credit Reporting act XXXX Account 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. 

In accordance with the Fair Credit Reporting act XXXX Account 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.

In accordance with the Fair Credit Reporting act XXXX  Account 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.
Product: Mortgage

Loan officer XXXX XXXX quoted me a rate of 2.5 % APR prior to the application but having all pertinent information for a refinance. ( My loan is already with HomePoint ) He asked that I fill out the application, and upload all my information.

After one day he called back saying he misquoted me because he ran the scenario as SFR vs. my condo. Although he had this information prior quoting me the rate.

After uploading all docs and review and many conversations and emails. We agreed to 2.625 % {$1700.00} in fees.

They quoted and said they locked in a rate of 2.625 % {$1700.00} in fees. One day later they said they cant honor it and will price the loan at 2.75 and {$1700.00} in fees. 

Classic example of bait and switch.