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

I am a victim of a data breach injury due to TD Banks inability to keep my information safe in the company.. I am filing a complaint for negligence and the inability to keep the information safe in the company. The damage this data breach has caused was my social online banking and social security being compromised. This also includes them demonstrating the lack of appropriate security measures. 

Recently my bank TD Bank called me through their typical number that has been posted on their webpage and banking app on XX/XX/XXXX. I answered this call and they told me that it was the TD bank fraud department. I handled this like I would handle any fraud case and gave TD Bank the information they requested because these people had all the information my bank would usually had including my name, my address, my online banking password and more. 
In the same session my online banking password was changed and I was locked out of my account. TD Bank tells me this was protocall and that they would give me a password soon. then the call ended. The next time they called me was on a monday XX/XX/XXXX and they say it was another fraud attempt on my account. They then ask for my social security. I gave them it because this is TD Bank 's company number. 
Then they hang up randomly. I then called TD Bank back to figure out what was going on and they told me that they had no calls from me on their system regarding a fraud case. They also informed me that they have been having alot of situations like this with hackers. hacking their customers ' systems and calling customers through their company number. 

TD Bank told me they are aware of these hacking situations and they did not inform their customers or do what they had to do to prevent this from happening. I have taken a few actions to prevent further injury but the bank is liable for this data breach and injury. 


I have proof of the Calls from TD Bank from the hacker and texts that can prove negligence and lack of action. And now I have the actual recorded call through TD bank admitting that they were arew of these breaches but decided to do nothing.
Product: Credit reporting or other personal consumer reports

As noted on my credit report, I am a victim of identity theft as a result of a data breach. Someone is applying for multiple loans in my name, and my spouses. The inquiries must be removed as they are damaging both of our credit. My wife has made complaints as well. 

FRAUDULENT INQUIRIES ARE : XXXX  ( Finance ) XXXX ( Finance )
Product: Mortgage

re wells fargo bank mortgages, XXXX CFPB casses against, re wells fargo partial responce letter yet again i can not open? numerouse complaints for the same actions what is the piont sending something i can not open? so i have desputed on them grounds, Please explane why wells fargo bank can not email me they have served documants to case on me why dont they want to EMAIL
Product: Credit reporting or other personal consumer reports

I am distressed that TransUnion has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated and deleted : 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 or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 MONTHS REPORTING LATE 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. 

This company 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
Product: Vehicle loan or lease

Westlake financial Purchase used vehicle almost 3 years ago, out XXXX down and somehow owed more than I purchased the vehicle for until my uncle paid it off for me XXXX days ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX serv {$150.00} These a XXXX account showing on my credit profile I have no knowledge of this account XXXX XXXX XXXX also XXXX is showing on my credit report as collection for {$380.00} I have no knowledge of this account This account was not opened by me at no point
Product: Debt collection

I have been receiving robocalls from Harris and Harris Ltd ( based in XXXX ) for months that I had assumed were a scam. They began calling my work number as soon as I started working ( around XX/XX/XXXX ). Last week on XX/XX/XXXX I finally called them to ask them who they believe they are contacting and they told me someone named XXXX. I am not XXXX. I told them that I am not XXXX. The man I spoke with agreed to take my number off of XXXX 's account. Today, XX/XX/XXXX, I received another call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX-2017 Not my account Fraud account identity theft
Product: Money transfer, virtual currency, or money service

The third round of stimulus checks was sent to me on a Money Network credit card. The amount that I received was {$7000.00}. I was limited to transferring {$6000.00} to my checking account because that was apparently the daily maximum. I have now waited two days and when I tried to transfer the final {$1000.00}, I'm told that I have reached the monthly maximum. It is now XX/XX/XXXX, so that means I have to wait until XX/XX/XXXX to get the rest of my stimulus money. I don't think that that was the intent of congress and I suspect that Money Network is pocketing a good chunk of interest on money that is due to citizens. I would hope that my final {$1000.00} comes with interest when I finally receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Line of Credit with Suntrust for many years. After moving to a state where Suntrust is not located, I quit using the account but maintained it as open paying a {$15.00} annual fee. I had never missed a payment. 

This year, I tried to make that payment but had no record of the account number. I called Suntrust for help, but the person receiving the call could not help me find the account. If I had received a paper bill, I would have paid it again. 

Unknown to me, the bill went past due and Suntrust ruined my credit score ( XXXX to XXXX ) by sending in credit info that says it " was seriously past due ''. They made no attempt to remind me of it being due. It was a {$15.00} annual fee, not credit extended to me. 

I filed complaints with XXXX, XXXX and XXXX with no satisfaction. I have copied and a certified letter reciept where I sent payment and asked to close the account. They closed the account under the " closed by lender '' classification. 

My complaint is that I reached out to Suntrust to pay the bill when I was finally notified of it. Their Customer Service department could not help me. If I had been notified earlier, or by mail, it would have been paid. I never missed a payment for more than 10 years. This type of late payment should not ruin my credit, no distinction is made on my credit report that this is an annual fee or that they didn't notifiy me, or that I called to get help paying it after I was notified. 

I want my credit report to be corrected to Pays as Agreed and closed by account holder. I will not let it go as it ruined a credit score I spent years developing and will cost me interest in new loans going forward. Advise them I am planning a lawsuit for damages incurred. 

See attached. Even at my written request to close the account, I am still getting statements.
Product: Credit reporting or other personal consumer reports

I'm writing to XXXX  my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Product: Mortgage

Let me first disclose I work in the XXXX XXXX  and XX/XX/XXXX for a super regional bank. Therefore, I understand how this process should work and I honestly have lost my patience. 

XX/XX/XXXX logged in to the Freedom Mortgage website and entered a request for the rules to recast a mortgage. 
XX/XX/XXXX receive an acknowledgement in the message center the message has been forwarded to the appropriate department. 
XX/XX/XXXX I receive a letter from Freedom Mortgage that included the recast rules. 
XX/XX/XXXX per the instructions in the letter I sent a written request to Freedom Mortgage XXXX. XXXX XXXX XXXX, IN XXXX to recast my mortgage along with two separate checks. One {$50000.00} cashiers check for the curtailment portion of the recast and a {$250.00} recast fee check. 
XXXX XXXX I check my pay history on-line and I see the recast fee and the curtailment were posted to my mortgage account effective XX/XX/XXXX. 
XX/XX/XXXX around midday I called in to check on the status of the recast. A gentleman answered the phone and during the authentication process asked me if I was the primary borrower? I told him I was the only borrower to which he replied " A strong independent woman I love it '' along with additional comments about girl power. That's my first issue. Second he told me it would take approximately 30 days to complete but other than that not helpful. 
XX/XX/XXXX XXXX I called Freedom Mortgage, the hold time disclosed was 21 minutes. I held and the call was answered in approximately that timeframe. I spoke with XXXX, agent # XXXX I explained about the recast and told her I had not received any recast modification documentation. She seemed to understand and put me hold, a few minutes later a completely different gentleman answered and asked how he could help me. I explained I was in the middle of speaking with XXXX who put me on hold, I'm not sure how I got to him. He asked me if I called Servicing or was I sent there (? ). I explained I called Servicing and I was getting help on my recast. He apologized and said he'd get me back to that team. At which point he transferred me I was put at the back of the queue and had to hold all over again. Then agent XXXX XXXX answered I asked her to please not put me on hold and I went through the recast question again. I could not understand why I had not received an acknowledgement letter ( which I believe is required 5 days after receipt of my request ) and/or the recast modification. XXXX then is half talking to me and herself, that I need to be assigned to a SPOC. I questioned why a SPOC which is usually reserved for Loss Mitigation customers. XXXX said that's what needed to happen but nobody had opened a request and basically the gist of it is nothing was happening on my recast. She told me a recast actually took 45 days ( different timeline that I was first told ) and for me to call back on Friday ( XX/XX/XXXX ) or Monday ( XX/XX/XXXX ) to see if my request had been answered. At which point the call ended which all in took an hour and 8 minutes ( per the timer on my work phone ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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: Checking or savings account

This complaint is against JPMorgan Chase Bank. 
I opened an account around XX/XX/21 made a deposit of {$1200.00} on XX/XX/21 account restricted called loss prevention several time had to verify my identity, did that still restricted, went to institution asked why my account has been restricted, All representative of JPMorgan Chase Bank stated " back office restricted and they don't tell us why ''. Following day I Called loss prevention agian, the restriction was lifted, account then restricted agian on XX/XX/21 after an unauthorised transfer was attempted by JPMorgan Chase bank on XX/XX/21 that was scheduled for XX/XX/21 costing me {$15.00} NSF fee from my account atXXXX XXXX XXXX my account has been restricted since XX/XX/21, I have not had access to do any transactions to the present date of filling this complaint. My present balance was {$1300.00}. On XX/XX/21 I called to check my balance and was informed by automation my account balance was {$950.00} I had no pending transaction nor was I able to perform any transactions. 
On XX/XX/21 an XXXX XXXX " branch complaint escalation group '' contacted me and said they closed my account and would be mailing me a check in 7 to 10 business days. As of the date of this complaint, I have received nothing with no communication from JP MORGAN CHASE BANK. 

Please see list of contacts and dates documentation.
Product: Checking or savings account

Bank account was emptied by fraudulent debits. Chase is not being responsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I called XXXX XXXX XXXX to ask if I paid the account I dont think I am responsible for if itll be deleted from my credit report the agent said no. I then asked if XXXX XXXX XXXX would sue me in court for the {$810.00} they claim I owe. The agent said she doesnt know what XXXX XXXX do. I asked if XXXX Account XXXX owned the account. The agent said no, XXXX owns the account, and we are a XXXX party collecting on their behalf. My credit report show XXXX as the original creditor, implying XXXX XXXX XXXX is now the creditor. The agent began to say hello as if she couldnt hear me and ended the call.
Product: Money transfer, virtual currency, or money service

On XXXX the XXXX @ XXXX XXXX, I received a text notification informing me that there was an addition of a contact to my XXXX. Immediately, in fact so quickly that I suspect that this was all automated, they sent themselves {$1000.00}. I immediately began the process of cancelling XXXX on my account. Then I called the USAA, my bank, and reported the fraudulent charge. They began an investigation the same day ( XXXX XXXX ). I worked with them to secure my account again, and they led me to the fact that they had compromised my email due to the fact that they were allowed access via an emailed code. I never found said email, but did notice that there was suspicious activity on my email. I changed the password, and have not had problems since. Furthermore, I have two factor authentication enabled on my account, but primarily through text. To my knowledge most ways of logging in prompt USAA to send me a text message. I received no texted code from USAA any time near that transaction. I called today and was told by a representative that they had found me liable for the charge. She said the reason was for multiple returned deposits, and frankly that didn't make any sense. I have not had a returned deposit anytime this year. Furthermore, I hardly use XXXX, and have never had a XXXX deposit. I have only ever sent money, a grand total of 2 times. One was a year ago, and the other was a transfer the week before for {$45.00}. Either way, what do returned deposits have to do with a fraudulent XXXX transfer out of the account for XXXX. I asked her to clarify, she put me on hold, and seemed to end the call. I called again and spoke to a more knowledgeable representative. She told me that the investigation showed as finished, but there was no liability determination made just yet. She asked me to call back on Monday, and was generally more helpful. I looked at similar cases of this happening to others, and there seems to be a trend of banks finding the victims liable. I also read that XXXX is covered by regulation e protections from other victims.
Product: Mortgage

Regardless of the multiple written requests, the JPMCB HOME accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( JPMCB HOME XXXX, JPMCB HOME XXXX )
Product: Debt collection

XX/XX/XXXX Received collections letter for {$890.00} from Jefferson Capital Systems LLC from a XXXX account. I called the number on the statement and was asked to verify my name, last 4 of ssn, account number, and address. The only information they could provide was they acquired the acct in XXXX of XXXX and that it was from a XXXX incident in XXXX. 

The same day I called XXXX collections at XXXX. I verified that my account was in good standing with a XXXX balance. I never was sent to collections. 

This is a debt that does not belong to me.
Product: Debt collection

Debt has be settled and documentation signed by creditors legal representation confirms. Creditor reporting inaccurate & false information contrary to settlement.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Credit report I found items that does not belong there. This will be my 3rd time writing the credit bureaus about these harmful accounts that are not Mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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: Credit reporting or other personal consumer reports

I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. Please find below the details of the fraudulent accounts : XXXX XXXX  XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.