23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Currently my TD Checking account automatically transfers my monthly payment to my TD XXXX. Per TD, I can not set up any automatic transfer, within TD, with a direction, ie : payment to go specifically to the principle. 

That said, I set up " Bill Pay '', bi-monthly ( electronic Checks ) to go to TD - XXXX  account with a MEMO : **Payment to go to Principle only**. I do this with several loans and in all my years of early pay offs, it has never been an issue. 

TD is knowingly and willfully taking this additional principal payment and applying it to next due payment. 

I have had countless calls with multiple levels of staff. They constantly over talk me and will not address the issue. I've asked for this to be escalated and have specifically been told, " this will not be escalated to a VP '' per XXXX XXXX on XXXX at XXXX. 
They state, " the system can not read a memo on a check ''. I've asked for IT to be included, they respond with " This is not an IT issue ''. 

TD suggests I take a trip to the bank every time I make an additional principle payment., or call each time. It is not my job to call or visit TD and tell them to " READ THE MEMO '' because of their deficiency. 

TD is intentionally not supporting additional principle payments. There deliberate and intentional ( by design ) practice to ignore a direction in the MEMO, is a fraudulent practice!
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 15USC 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 informationAny adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax put the wrong information on my credit report. 
XXXX ). account or personal information that was incorrect information not mine.
Product: Credit card

I am a victim of identity theft and someone stole my identity and personal information to open up a Visa credit card account with Bank of America. The following Bank of America Visa credit card account do not belong to me : XXXX.
Product: Mortgage

My property address is XXXX XXXX XXXX XXXX, XXXX, TN XXXX. I closed on this property in XX/XX/2019. I went through XXXX ( XXXX XXXX XXXX XXXX ) for my mortgage. XXXX uses a regular bank ( XXXX XXXX ) to process the paperwork and approve the mortgage. My first mortgage payment of {$1100.00} was paid by phone on XX/XX/2019 to XXXX XXXX, phone number # XXXX, confirmation number # XXXX for Account number # XXXX. I received correspondence that all my subsequent mortgage payments for XXXX should be paid to Volunteer Mortgage Loan Servicing ( VMLS ), phone number # XXXX and my new account number will be Account # XXXX. On XX/XX/2019 my next payment of {$1100.00} was paid by phone to VMLS, confirmation # XXXX ( I spoke to XXXX XXXX and XXXX at VMLS in the processing of this payment ). My current credit report reflects that I was 30 days late in making my XX/XX/2019 payment. This is ABSOLUTELY erroneous! Therefore I am asking that you PLEASE contact XXXX  via Volunteer Mortgage Loan Servicing at phone number # XXXX to verify that account # XXXX was paid on time in the amount of {$1100.00} and that the 30 day past due reflected on my credit report for XX/XX/2019 be deleted and/or corrected. ( Please note that I have also paid VMLS on time for my XX/XX/2019 payment and am scheduled to pay my upcoming XXXX payment on time ). I have never missed or been late on any of my mortgage payments. I truly appreciate your assistance in this matter. If you need additional information regarding this dispute please contact XXXX XXXX at XXXX or XXXX. 
Thanks in advance, XXXX XXXX XXXX
Product: Mortgage

My loan was sold from Specialized Loan Servicing to Shellpoint. Shellpoint sent me the first statement for XX/XX/XXXX 's mortgage payment and it was correct. It allowed me to pay the Principal, interest, taxes and insurance. The second statement for XX/XX/XXXX is NOT allowing me to pay XXXX and it's mandating that I only pay interest, taxes and insurance. It's NOT allowing me to pay principal and it's not telling me what the principal payment is. This is significant because my loan 's interest rate fluctuates monthly, so I never know from one month to the next what my payment is, so I need to know from them what my payment ( XXXX ) is every month. 

I also do not know if they are calculating my interest rate correctly. Interest rates have gone down and mine has gone up, so I need to know how this interest rate is calculated and whether a 8 % interest rate is correct since interest rates now are under 6.5 %. 

When I called the first time, they said the second statement which only gives me the interest, taxes and insurance, is correct and they can't help me. When I called the second time, they also could not help me and said they would get back to me within 7 to 10 days, but If I wait, it may cause me to have an issue with my payment which could affect my credit and this is unacceptable. 

I believe the way they are mandating I pay my loan is illegal and this needs to be changed immediately.
Product: Credit card or prepaid card

I received a letter from HSBC on XX/XX/XXXX stating they were reducing my credit limit stating it was due to a low credit score, missed payments, high balance and more. 
None of which were based on reality as I have always paid on time, every account outside of HSBC has been paid on time, my Fico score was XXXX, my utilization ratio was at about 25 % of the card 's total limit. 

The cut reduced my limit by 74 % which will make my overall credit utilization sky rocket and severely affect my overall credit score. 

I called immediately after opening the letter on XX/XX/XXXX asking for answers thinking it must be a mistake. They said they would look into it and give me a call back by the end of the next day. 
On XX/XX/XXXX I did not recieve a call. 
I called back on XX/XX/XXXX and asked if they could pull up the issue and they informed me there were no notes of any conversation. After being transferred several times I spoke with someone who said the only way I could submit a complaint is to write a letter. I asked if there was any other way to fix this sooner by email/phone etc. And they said no. 

I wrote my letter with attached full credit report and mailed it via certified mail on XX/XX/XXXX. 

I recieved a call in response to an email I had sent out on XX/XX/XXXX. The call was at XXXX, they left a message and told me to call them back. I did and unfortunately it was just the main number so I didn't reach anyone. I left a voicemail saying I was returning the call. I have never received a call back. 
I emailed the representative that left a voicemail on XX/XX/XXXX informing her that it was XXXX on the west coast, but I was available anytime between XXXX PST 7 days a week. 
On XX/XX/XXXX I recieved an email dismissing my complaint and ignoring my request for phone communication. The email stated " We regularly conduct reviews of customer accounts and may make changes as a result. A decision was made to decrease the credit limit using a combination of credit bureau reporting and existing banking relationship. Ive included a current copy of the Cardmember Agreement provided when you applied for the account. Credit Limits, and our right to change the limit, is discussed on page 2. '' Which was the exact letter I recieved in the first place and the same response I kept getting from calling the customer service line.

I responded to the email 12 minutes after it was recieved asking if she received the letter I mailed and know was given to the office because I sent it certified mail. 
There was no response. 
The letter contained my complaint, my full credit report and payment history with every account I have showing a flawless record. 

I was not listened to, it was near impossible to get someone to talk to, I was still given false reasons as to why this happened and this is going to severely impact my credit despite doing nothing wrong.
Product: Money transfer, virtual currency, or money service

Around XX/XX/XXXX or XXXX I filed a complaint with my bank XXXX  which is who I have zelle through about a fraudulent travel agent. I sent about {$200.00} for a flight and the " travel agent was not able to book my flight and eventually they stopped replying. I was told by XXXX to contact zelle and was later told that there was nothing that can be done tht I lost my money. when I go back to my zelle activity I don't see other transaction except that one.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received notifications of unauthorized activity on my XXXX XXXX Credit Card account # XXXX while serving in the XXXX. I contacted a representative at the bank regarding the matter and was told my account had been locked. I then asked to open a dispute and was told i would have to call back at a later time and do so. Upon calling back multiple times the matter was never handled causing inaccurate debt to be placed on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient Removed me from the Income Driven Repayment Program ( " IDR '' ), Without notice or full disclosure as to why, While I am disable. Then reported that I was delinquent on repayment 120 days. I contacted Navient, they said It was reporting that way because I failed to renew or re-certify for the IDR program. I provided all the Emails and facts proven that I was never given notice or full disclosure as to any failed payments or that the IDR had expired nor that it was time to re-certify. 

I was placed on hold, then a representative named XXXX returned to my call admitting that she couldn't find anything explaining why the contact status was changed ; and that she didn't see where I had ever requested that my previous means of contact that I provided, be changed. Then she went on to inform me '' but it was changed from email and phone to contact by mail ( Letter in the Mail ) ; and I don't know how. '' I sent numerous written request as directed to the credit reporting division, at Navient, for the information on my credit report be corrected and that the false, incorrect and inaccurate misinformation be removed. Still over 1 year later the information is showing on my credit report making me financially indigent. Moreover, the loan is paid off.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 



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

Around XX/XX/2023 I received a call from a police officer of Louisiana, informing me of a vehicle under my name that was picked up during an arrest. I then filed a FTC report and filed a police report for identity theft. After checking my credit, I began disputing the unauthorized vehicles on XX/XX/2023. The first round of disputes to the bureaus no contact was made to me however, I contacted the auto credit union filed on my credit to also inform them, this was not my vehicle. They then stated they could not give me any information due to the vehicle being under my name and social but the phone number and address I can not confirm. XXXX informed me to dispute with bureaus and once disputed, they can file a remove. However, I have now gone through two rounds of disputes for each bureau and XXXX is still deeming the vehicles as accurate. I did not purchase or cosign a vehicle with XXXX in Louisiana, I do not even live there. XXXX is not helpful and are aware of this fraudulent account. I informed the officers I may know who the individual is that is opening the accounts.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX & XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Mortgage

Talked to NEWREZ customer service ( XXXX ) today about form Initial Interest XXXX XXXX Notice sent to me XXXX XXXX. The estimated new rate and mortgage payment will be {$980.00}. The new payment due on XX/XX/XXXX is based the XXXX index, my margin, my loan balance of {$100000.00} and the remaining loan term of 276 months. My CURRENT LOAN BALANCE is {$100000.00} ( +/- ). I inquired what would be my new monthly payment with the lower loan balance. They said they only prepare XXXX form a year and I received it on XX/XX/XXXX. I question why I wouldnt receive a new form which would be updated with the new rate. I would like an explanation from Newrez.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/year> Date of Birth : XX/XX/year> SSN : XXXX - XXXX - XXXX To whom it may concern DEBT VALIDATION Your company said I allegedly owe you money. I will " PAY '' under one condition if you can provide me with : 1. The original contract from the original creditor with my signature on it guaranteeing that I will pay this creditor.

2. The payment history made by me to the original creditors 3. Proof of debt assignment or chain title assigned to you to collect this dept.

4. Also has any insurance claim file on this debt If not, then here by requesting that you REMOVE these collections below immediately from reporting on my credit report : Collection account from XXXX XXXX  with account # XXXX and a balance of {$1900.00}. The original creditor is XXXX XXXX XXXX - XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 1. The original contract from the original creditor with my signature on it guaranteeing that I will pay this creditor.

2. The payment history made by me to the original creditors 3. Proof of debt assignment or chain title assigned to you to collect this dept.

4. Also has any insurance claim file on this debt Collection account from XXXX XXXX with account # XXXX and a balance of {$11000.00}. The original creditor is XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 1. The original contract from the original creditor with my signature on it guaranteeing that I will pay this creditor.

2. The payment history made by me to the original creditors 3. Proof of debt assignment or chain title assigned to you to collect this dept. 
XXXX. Also has any insurance claim file on this debt Collection account from XXXX XXXX with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 1. The original contract from the original creditor with my signature on it guaranteeing that I will pay this creditor.

2. The payment history made by me to the original creditors 3. Proof of debt assignment or chain title assigned to you to collect this dept.

4. Also has any insurance claim file on this debt And provide me with written confirmation of the results of your investigation within 30 days, as required by the 15 USC 1692 g. If the information is found to be inaccurate or unverifiable, it must be removed from my credit report immediately.

Please be advised that under the FCRA, you are obligated to conduct a reasonable reinvestigation of the disputed items. Failure to do so may result in legal action. 

Kind Regards, XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute the validity and reporting of the alleged debt referenced in my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], I have identified serious discrepancies and potential violations of federal law regarding the handling of this debt.

According to my credit report, your company has marked this debt as " written off, '' yet you continue to attempt collection and re-report the debt. If this debt has indeed been written off, then it is no longer collectible, and under IRS regulations ( 26 U.S. Code 6050P ), your company is required to issue a 1099-C Cancellation of Debt form for tax purposes. To date, I have not received this form, indicating either an improper classification of the debt or an attempt to unlawfully collect on a previously discharged obligation.

Under FTC regulations, continuing collection efforts on a debt that has been written off without issuing a 1099-C constitutes deceptive and unfair practices, which may be considered fraud. Additionally, re-aging or re-reporting the debt in an attempt to extend the statute of limitations is a violation of the FCRA and the FDCPA. If this practice continues, I will have no choice but to file complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and the Internal Revenue Service ( IRS ) for potential tax fraud and consumer rights violations.

I demand that you : 1. Cease all collection efforts immediately.

2. Confirm in writing whether this debt has been written off and, if so, issue a 1099-C was required by IRS law . Which you failed to provide in a timely manner.

3. Remove any inaccurate or re-aged reporting from all credit bureaus immediately.

Failure to comply with this request within 05 days will result in formal complaints being filed with the FTC, CFPB, IRS, and my State Attorney Generals office.

Please respond in writing to the address provided above.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off a loan of {$910.00} in XX/XX/XXXX. Speedycash said XXXX XXXX  retraction was done on XX/XX/XXXX. My bank said that didn't happen. Now Speedycash has the loan in default status. I've emailed XXXX times show bank statements loan was paid and no retraction. I've spoken with customer service and collections department over 30 times. They tell me emails not received or attachments not received. I need help getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE XXXX MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED. I ALWAYS PAID ON TIME AND IM RESPONSIBLE FOR ALL MY PAYMENTS
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting

I received the results of the Transunion investigation about XXXX XXXX 2016. Today, a few minutes ago, I contacted TU customer service because the results notice had no phone number for me to call to find out how I can request a description of how investigation was conducted with business name, address, and number of source of info. Also I have no idea how to add a XXXX word statement to my credit report. The TU customer rep said TU has no info about the investigation and I should call the CFPB.