23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

TD Retail Card Services Headquarters Attention Head of Department I have been trying very hard to reach someone who will understand my situation with my referenced as several different names including Home Inspiration, TD Bank, Online Account Management, and Renovate. For those of us who appreciate and take advantage of these purchase programs and who have worked tirelessly to make payments on personal debt, this variable reference to this program causes so much confusion especially when not receiving statementsor at least I did not recognize that this was referred to all of these names. 

I did have it noted on my personal calendar the promotion was coming to an end in XXXX of 2023. A personal tragedy made me panic when XXXX was coming to an end that I hadnt heard or seen a notice that this would be ending. I have participated in these programs many times as I would not be able to afford to purchase new furniture otherwise. In speaking with XXXX XXXX they were apologetic that I misunderstood the end date of the promotion as they knew that I had utilized this many times as their customer. XXXX felt strongly that TD Bank would see that I have been a repetitive customer and at a minimum come to some reasonable settlement based on the confusion with reference and not receiving a statement. 

I can not tell you how upset this has made me which is why I can not feel okay that I am being charged with over {$1600.00} of interest because of a misunderstanding. All payments were being made timely/automatically, and I even had gone in several times and tried to make a payment because I wasnt seeing any communication and thought I had missed. It was a very confusing portal and ultimately it did indicate that it was a duplicate payment. 

{$1600.00} could help me pay down plenty of other debt/bills, and if I have to see this go to a futile effort in having someone understand the reason behind my misunderstanding it would be devastating. My intentions were there and I understand that in many cases people might completely ignore and realize that they can not make payments. The minute that I called and found that I had missed this promotion ending I paid the balance of the original loan in full. I was certain that I was not at fault and immediately contacted the appropriate department and the person indicated that if I had reached at least in XXXX they would have been able to accommodate my situation. This is so upsetting because I was sure that the end date was in XXXX. I someone could listen to and understand my situation I can not believe that they wouldnt work with me. I work two jobs and this will set me back so far on my financial situation. 

Please help me out and bring this to the attention of the head of this department.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' DEPT OF EDUCATION/XXXX  Balance details XXXX  % paid off Balance {$4600.00} Balance updated XXXX XXXX, XXXX Original balance {$5200.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XXXX XXXX Original balance {$5200.00} Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, NE XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE

15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT
EN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

Hi My Father asked me to promise him that I would sell his property while in XXXX Soon after he passed. I have the Paid in Full Letter from Dovenmeuhle Mortgage Company. 
After almost 2 years of back and forth they can't find the letter, now investigation going on. They didn't know I knew Hud helped him to pay it off. they said it was sent to XXXX. They denied it. I then sent them an email XX/XX/2022, about the Loan Modification application with the help of the Hud office, that they had finally approved that the Loan had been Paid In Full, from them. I have been receiving citations because the property is really fallen apart. 
I just want them to give me the Release of the Property so I can go to settlement. 
please help me Thank you
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/Transunion was XX/XX/2022, 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 items listed below are still reporting on my Credit Reports and need to delete immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

IC Systems account # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account. 



This company sent me a letter informing me that I have two accounts that was placed with their company for collection. I informed this company that I have no knowledge on either account and I asked for copies of the contracts I signed. I was informed that they have nothing and its currently being reported that to the credit agencies which is damaging my credit and I was informed that it will remain their until I pay on two accounts I have no knowledge of.
Product: Debt collection

Complaint In XXXX XXXX  XXXX I had XXXX  XXXX. Several months later, in XXXX I received a bill from XXXX XXXX XXXX for {$950.00}. The bill did not indicate what this was for so I tried multiple times to contact them by phone to get more information. I left several messages, asked each time for a return call but never heard from anyone at XXXX. I threw the bill away and forgot about it. Several months later, I received another bill from XXXX. I tried to call them multiple times again, leaving multiple messages with my final message saying something to the effect that it was a rather large sum of money and that I didn't feel comfortable paying until I fully understood what I was paying for and that I hoped to hear from them to resolve the matter. On XX/XX/XXXX, I received notice from Assured XXXX, LLC that they would attempt collection of {$950.00} on behalf of XXXX XXXX XXXX. I tried to call XXXX XXXX XXXX via two different numbers obtained from the internet ( XXXX and XXXX ), both of which are no longer in use. I then called Assured XXXX, LLC at the number listed on the bill ( XXXX ) and spoke with a woman. I explained to her my situation and in the process of asking her to have the company contact me, she began talking over me by repeating " ma'am '' loudly and after several minutes of this she hung up on me. After this interaction, I contacted the XXXX XXXX XXXX XXXX and spoke with XXXX XXXX. As a result of that conversation I filed a complaint with the XXXX, filed a complaint with the state Attorney General 's office, filed a complaint with the FTC and have contacted the credit report agencies as well.
Product: Credit reporting or other personal consumer reports

am writing to dispute the following information that your company supplied to Experian, XXXX and XXXX ]. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item [ for instance : retailer account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX is inaccurate [ or incomplete ] because [ describe in detail what is inaccurate or incomplete and why ] I am requesting that Experian, XXXX and XXXX have the item removed or request another specific change to correct the information. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete [ or correct ] the disputed item ( s ) as soon as possible. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, So I spoke to my bank Navy Federal Credit Union, and XXXX about an issue with a credit account that was removed from my credit report without my consent. 

I spoke to XXXX on XX/XX/2021 via phone and online about a remark on my account that dropped my credit score by 88 points. I asked transunion over the phone and online about the drop, saying there might be an issue with my NFCU credit card. XXXX spoke to me and said over the phone they removed the remark. 

About a month later I noticed how my account for XXXX was back to my usual credit score, but my XXXX account had not returned to normal. I noticed that my credit card account was removed for some reason. I have been speaking to both XXXX and NFCU about this, and have messages from NFCU on their app. Navy has stated they reached out to XXXX and were told I needed to provide some type of reinsertion letter with my signature and other information on it, I am not doing that and making myself liable if there is some fault on one of these parties here. I spoke to XXXX about this, and they stated that navy never reached out to them and started whatever reinsertion process. 

I have never told any of these parties to remove any account in my name, I still have my credit card and the account is open. I want a 3rd party to mediate communication amongst these two and please get this handled, that is it. I am not doing another round XXXX involved with this, because someone probably just made an error somewhere because I was concerned about a sudden credit drop. 

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

I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent lawsuit filed by the CFPB, which highlights serious issues with the platform. Despite using Zelle numerous times and reporting discrepancies, both my financial institution and Zelle have failed to properly investigate my claims. I was told that recovering the lost funds was impossible and that tracking the transactions was not feasible. The CFPB 's findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users at risk of scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account consisted of 3 Loans as follow : My Primary Federal Student Loan : reporting at XXXX // {$72000.00} XXXX PARENT PLUS LOANS : reporting at : {$4700.00} and {$11000.00} In XX/XX/XXXX, I requested to consolidate my XXXX plus loans from XXXX XXXX I received approval to consolidate the loans in XX/XX/XXXX, However, the consolidated payment was higher than my XXXX loan payments, prior to consolidation, I then requested for XXXX XXXX  unconsolidate my loans, and XXXX approved to do so, However ; XXXX started reporting XXXX additional loans to my credit report : XXXX AND the $ {$16000.00} loan amounts, After about XXXX of calls to XXXX and XXXX, the XXXX XXXX XXXX was removed from my credit report, However ; XXXX refuses to remove the XXXX Parent Plus loans or the {$16000.00} loan ( XXXX ). 
I have also complained to XXXX re : the extreme interest that has accrued on my original loan show an amount of {$52000.00} which is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I was the victim of a scam. The money I sent to the scammer where sent through my checking account in Bank of America via a wire transfer ( 1 payment ) and ACH ( 2 payments ). The scam was an imposter scam, where the scammer was posing as a top tennis player, XXXX XXXX. As soon as I realized it was a scam, I contacted my bank, Bank of America to request to recover the funds. The funds were sent to a XXXXXXXX XXXX account. I reported the scam to Bank of America on XX/XX/XXXX, and they sent me documentation to sign a Scam Victim Acknowledgement document on XX/XX/XXXX. I have not heard anything from Bank of America since then. I contacted them in late XXXX, XX/XX/XXXX, to ask for progress on the situation, and they said they have contacted XXXXXXXX XXXX  but have not received a response yet. Time to resolve the issue is running out, and I would like to make sure the banks are working on recovering the funds.
Product: Checking or savings account

Using debit card Transactions when I had money in bank n was processed later which costed me overdraft fees. This happened several times over a period of months
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian makes obtaining credit report or requesting a freeze on credit intentionally difficult and obtuse. The web site is not intuitive or helpful. Even with accurate input of my information I can do -nothing- online and have to call. When I call the number I can not reach a live person but instead receive only a few options which require me to manually prepare a document with a lot of PII to mail to them. This is not only a high risk of exposing my PII, but also makes requesting information or services unnecessarily complicated. They are the only credit reporting agency I have worked with who has made their services difficult to access and use. I feel this is in an attempt to prevent or discourage person 's taking control of their personal credit reporting.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed in dispute letters for the XXXX time this year, and a full investigation havent been done and my request for proof havent been sent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice.

Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

An account was opened fraudulently in my name in XXXX. I was unaware of the account being opened until recently ( XX/XX/XXXX ) as a result of applying to re-finance my mortgage. I immediately  reported it to the issuer ( Synchrony ) and was just told they are denying my dispute. I did not open this account and my credit score is now being affected adversely.
Product: Payday loan

I received a phone call at a friends house looking for me and they wanted me to call so I did. They state I have a pay day loan and made two payments, but have a balance. I told them that I have paid it back and they continued to haras me verbly. Then I told them that I have just filed chapter XXXX bankruptcy on XXXX XXXX XXXX and they said not dischargable, breach of contract. So I called my lawyer and was informed all was discharged and all contracts null and voided.Bankruptcy super seeds it was chapter XXXX federal bankruptcy. Some one needs to stop these crooks fell for it once and lost over four hundred dollars also did a search on them they are loacated in XXXX ma shows some ones house. this says fraud all the way.
Product: Credit reporting or other personal consumer reports

DELETE FRAUD ALERT AND EXTENDED FRAUD ALERT Experian XXXX XXXX  XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Mortgage

During the year 2009 we suffered financial hardship when the company my Husband worked for had a major lay off. We had been buying our home for nine years, it was an FHA backed loan. We pleaded with Wells fargo and provided them with all of the many documents and info they requested in order to apply for some type of loan modification on payments in order for us to save our home. There were many phone calls and several of the Bank employees made promises on the phone which were never kept! We had had a history of always making our house payments. We had a young Son still at home during this time and live stock. On XXXX XXXX, 2009 we received notification from Wells fargo Bank XXXX XXXX XXXX XXXX, Iowa XXXX for our loan # XXXX client 708. A letter which stipulates a loan repayment arrangement to help us get back on our feet. Wells Fargo rec ended on their agreement causing us the loss of our home. Locking us out of our home and causing us to loos our personal property. We had to give the livestock away and were displaced having to find rental housing. This property was five acres. We were not allowed back on the property to retrieve or belongings and loss 75 percent of it. I filed a complaint with the Montana consumer protection bureau. Wells Fargo Bank denied doing any wrong. I still maintain that Wells fargo was in fact the catalist for our loosing our home. They were dishonest and offered a plan they did not honor forcing us into Bankruptcy and foreclosure on our home. I attempted to find aid through the FHA and HUD and other entities with no success. I have the documentation of the rec ended agreement I filed a complaint to Wells fargo and I have that paper work.I also have the record of filing to the consumer affairs for Montana.
Product: Mortgage

Our escrow provider failed to renew our homeowners insurance with the current provider. They are now threatening to insure our property on our behalf at a rate four times Higher despite them failing to make the insurance payment.

Sun trust mortgage has not been able to resolve this for us despite many calls.
Product: Credit reporting or other personal consumer reports

Credit Karma has not updated the credit reports from XXXX and XXXX in over 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a dispute to Experian in regards to them furnishing information on my credit report without my consent that is XXXX XXXX XXXX XXXX XXXX The letter was delivered to them on XX/XX/2022, I also attached a return receipt requesting a valid response. I am aware that they have 4 days to respond by law in which today is now XX/XX/2022 and I am yet to receive a response. My original documents were all notarized as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The GM financial account is being falsely reported in an attempt to re-age the account. 
Ive disputed this account numerous times with no change. The account should be deleted immediately for false reporting. 
They are reporting the last payment date as XX/XX/XXXX but charge off/DOFD date as XX/XX/XXXX. 
This should have been noticed if there was really an investigation into my complaints.