23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Approximately XXXX years ago I canceled my credit card with td cardservices through TD bank. Since then they have continued to authorize payments to yearly renewals that were connected to that card rather then just deny the payment since the account is closed. I no longer have a TD bank account or a TD credit card account ( since I canceled it 2 years ago!! ) so I can not log in to see what the charge is from? I can not log in to pay it. And frankly I shouldnt have to deal with this I find it criminal that they can authorize a payment on something I canceled years ago! They should deny the request from whatever yearly service is requesting payment and then when I lose that service I can reach out to that service and re subscribe with a different payment method if I choose to do so. In addition to this they charge me late fees if I dont pay these unauthorized charges on time even though I can not login to pay them since I no longer have an account! They have been doing this to me for the past two years and I have to jump through hoops to make the payments with them and I constantly complain and tell them that what they are doing is criminal. If they are doing it to me Im sure they are doing it to other people as well. I can not provide you with a card number because I haven had a card or account In Over 2 years all I can determine from their emails is that the card ends In XXXX. They send me emails telling me I have a balance and to log in to get my statement but I can log In To anything because I dont have a card or account anymore. Its the XXXX XXXX XXXX XXXX I have ever seen from a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, XXXX XXXX  I account # XXXX, and XXXX XXXX XXXX account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A States that I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

never recieved anything from them my phone emails and ssn was taking control of i didnt have acess
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Checking or savings account

I Open the Capital one XXXX  saving account in XXXX. It was marked as a high-yielding savings account. Capital one advertised in XX/XX/XXXX that they would be giving XXXX percent. Which was false. It was done as an entry then they changed it to a XXXX percent. Which in their description was not brought up when signing up for the savings account. The name was then changed from XXXX savining to XXXX performance savings without informing the customers. Which them leading the account getting way less interest then what was advertised.
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX
Product: Mortgage

Re : Payoff interest refund for loan # XXXX. 

This home mortgage was formerly held by XXXX XXXX XXXX and transferred to Selene Finance on XX/XX/year>. The house was sold on XX/XX/year>, and Selene Finance was unable to produce a payoff statement until XX/XX/year>. As such, the title company held the payoff in escrow until Selene could produce the payoff statement. Based on the payoff provided, a final payment was sent to Selene Finance on XX/XX/year> in the amount of {$590000.00}. The principal balance was {$590000.00}, with the rest being interest. We should only be charged interest up to XX/XX/year> as it was Selene 's inability to ingest us as a customer ( transfer ) expeditiously that led to the payoff being completed on XX/XX/XXXX. We have called them on a weekly basis since XX/XX/year> ( requesting status updates on the refund ) and were verbally told by a representative on XX/XX/year> that the company feels they don't owe us a refund of the interest. We sent them an email on XX/XX/year>, detailing the issue, and have yet to receive a reply. This is absolutely an unacceptable and unfair practice. We have requested the refund of the overage of interest and are seeking resolution in the form of the appropriate refund. This is a VA loan and we are due any overages, which are important to our family income.
Product: Checking or savings account

We issued a check on XXXX XXXX in the amount of {$12000.00} drawn on Comerica Bank and issued City of XXXX XXXX for the summer 2023 real estate taxes. 
The check was altered and cashed remotely in XXXX. 
Upon notice from the City that our taxes were delinquent we immediately filed a report with Comerica concerning this fraud. 
We also filed a police report with the City of XXXX XXXX on this matter. 
They suspect that the check was stolen from the post office or at the City offices. 
They contacted their counterparts in the City of XXXX to advise them of the fraud. 
They also reached out to Comerica to a little more investigation on this matter, such as who cashed this fraudulent check and received no reply from Comerica. 
We have exhausted all avenues to get reimbursed from Comerica for this fraudulent check. 
We have had a banking relationship with Comerica for over 40 years and have never had this type of incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX, XXXX XXXX and XXXX back in XX/XX/2023 and XX/XX/2023 let them know that this acct is no longer being disputed, and to remove it and delete it from reporting on my credit report. this is fraud as this account have already been paid, and by reporting it on my credit report hurting my credit score.it is now XX/XX/2023 and this negative items are negative impacting me directly with my credit score and causing me to be denied loans.
Product: Credit card or prepaid card

About two years ago an American Express Card was opened in my name after I lost my wallet, and my identity was stolen. I only found this out recently, due to the fact I was checking my credit report and it shows closed by credit grantor. Why did I not ever receive this card? The address you have on file per your customer service I have not ever lived at in my life. I would like to request this account to be removed from my credit file. Per your agent American Express has me in their internal reporting as a bad customer for disputes. I never filed a dispute because I never got the card or billing statements. I want this internal reporting removed and the account removed from my credit report as I cant apply for an American Express because of this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong.
Product: Mortgage

I 'm on monthly payments under Bankruptcy Chapter XXXX to stop the foreclosure, my Attorney try to get Loan Modification and the Bank denied all the time, which I 'm paying very high APR XXXX since XX/XX/XXXX.XXXX on XX/XX/XXXX sold the mortgage to Seterus. I would like to know if qualify about the high interest or some thing else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in detailed letter referencing federal laws that bureaus must abide by, based on their lack of responding in the time frame and their investigation and their results they have not abused by these laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Experian to investigate my accounts. Here is my tracking XXXX. It has been over 30 days now going on 3 months. 


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. 
Account name : XXXXXXXX XXXXl Account Number XXXX Account Name XXXX XXXX Account number XXXX Account Name XXXX XXXX XXXX XXXX Account number XXXX Account Name XXXX XXXX  Account number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account Name XXXX XXXX Account Number XXXX ( Original Creditor ) Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account number XXXX Account Name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account Number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
If it come back verified please send me a wet copy of the contract with my signature on it, AND PLEASE EXPLAIN TO ME WHAT METHOD WAS TAKEN FOR THIS INVESTIGATION. because I know that my signature will not be please resolved and Delete from consumer profile
Product: Credit card

I applied to open a credit card with Wells Fargo due to an advertisement with their partner, XXXX. I contacted Wells Fargo to close the account by phone call later that day, because the partner did not offer the services advertised, and I was not notified of XXXX not providing the offered services until I had already opened the credit card. When I contacted Wells Fargo, they refused to close the account because it was too new, and they needed 5-7 business days before they were willing to close the account. They refused to close the account when they were first able to, and instead insisted that I call back and close the account, rather than them closing the now unauthorized account. Their customer service was belligerent and rude after XXXX escalations, and refused to close the account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer
Product: Mortgage

NewRez appears to have made appropriate disclosure with CFPB that issue is still has not been resolved and we as consumer is at fault. 

Attached is NewRez e-mail announcement that the problem was resolved on XX/XX/2020. 

Previous complaint reference no. XXXX - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for these items, they are not mine. I have a fraud alert on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to fix this with the company. I sent a letter describing the situation to their complaint department on XX/XX/2021, I am waiting to hear back from them. My credit report has recently shown that I owe the amount of {$450.00} to XXXX XXXX. I do not. I have an account with them but it is not nor has it been delinquent. I would like to state that I believe my email address has been leaked on the dark web along with my name ( information my credit card company shared with me ) and I believe this is another person using my name.
Product: Credit card or prepaid card

Synchrony Bank closed EVERY single account i had with them XXXX XXXX XXXX accounts. Synchrony stated i was a high credit risk even though I have perfect credit with them. as a matter of fact synchrony owed me money. My credit and score are perfect. The XXXX laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The XXXX  XXXX XXXX XXXX administers compliance with this law. THIS LAW HAS BEEN BROKEN. Synchrony had no right to close my accounts. THEY CLOSED EVERY ACCOUNT NOT JUST ONE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/1967
Product: Debt collection

The person ( XXXX XXXX ) called and identified herself as an attorney. She demanded personal information from me, such as birth-date, phone number, address, etc. but would not tell me why she was calling. I asked man times for her to tell me but she said that because this was a lawsuit she had to verify personal information. She was very rude and harassing. She intimidated me into giving her personal information and them identified herself as a debt collector. At this time she told me she was recording the call. She told me that I need to pay in full at this time. I told her I was n't sure about this debt and did n't know if it was mine. She demanded it to be paid in full. 
I believe that she can not represent herself as an attorney and that she must let me know the call is being reordered. She was threatening about what would happen if the debt was not paid in full. The company she is with is called Berman-Rabin and the phone number is XXXX.
Product: Checking or savings account

I am filing a complaint against capital one regarding the deceptive practices related to their 360 high interest savings account. Capital one misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify accountholders about the superior rates offer about a 360 performance savings account. This deliberate obscurity and lack of transparency violated, consumer, trust, and resulted in significant financial losses for many, reaching the consumer financial protection act, and the truth in Savings Act.I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX SS # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am formally disputing the validity of a collection account currently reported by Harris & Harris on my credit report. I recently reviewed my credit reports in preparation for purchasing a home and was shocked to discover this collection account. I previously had an account with XXXX XXXX ; however, I requested its cancellation and received confirmation via email that my request had been honored and that my balance was {$0.00}. Per XXXX XXXX 's instructions, I also returned all required equipment. Since that time, I have never received any calls, texts, or emails indicating that there was an outstanding balance on my account. This collection account is negatively impacting my credit and preventing me from securing a home loan. As I believe this collection has been erroneously reported,
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello my name is XXXX, my credit is really new with having under 2 years of credit. Never having any financial direction, i've made a newbie mistake to credit by applying for tons of credit without knowing the consequences. I have checked all three bureaus and noticed this something that prevents me from getting my score higher to apply for more credit. I've tried to get my hard inquires removed by contacting the bank but they never heard me out & treated me harshly by simply justing asking if this was possible. They were silly mistakes which won't happen again now knowing more about credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XXXX of 2018, I sent a certified letter to XXXX  XXXX XXXX   explaining that I was disputing the amount they said I still owed on the leased vehicle I turned back in to them. I awaited a response in the mail but never received one. I sent additional letters over the next couple months without any written response other than a bill. They then started to mark my account as past due and eventually marked it as " charged off ''. All the while, I was making every attempt to get this resolved with them directly. They continued to ignore my requests and unfairly marked it as charged off. I have since made additional attempts to get the matter resolved but to no avail.