23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Requested bureau remove account as it was not verified. Spoke with collection agency and was informed the account was requested to be removed however, the bureau has not removed it.
Product: Checking or savings account

Ive had a TD bank checking account nearly 5 years. In that 5 years I have ( voluntarily ) accumulated over {$7000.00} in overdraft fees. Its a problem. I know of my actions that caused this ridiculous cost. I am working hard to stop this viscous cycle but its a XXXX hard trap door to fall into. 
TD calibrates the amount that I can potentially overdraw on my checking at any given point. It is 100 % based on my weekly recurring payroll direct deposit. My issue would always start on a week that Id pay my rent and other XXXX of month bills. This often left me with little or nothing left to live ( eat ) on for the following XXXX days. Thus I would make it a point to hit an ATM and withdraw a {$300.00} draft that would ultimately cost {$330.00} by the next time I got paid. Then Id not use my debt card until my next deposit. This was common practice and very helpful ( though annoying. ) That {$300.00} draft would sometimes cost {$370.00} if I used the wrong ATM- I learned this the hardway. I also learned that despite my account being in the negative every possible auto or robo or one time charge and fee would abruptly start processing. Thus racketing additional {$35.00} fees for absolutely random charges. XXXX XXXX XXXX XXXX XXXX right at the last minute. Even charges that were declined would still cost me another {$35.00} fee. 
It became such a problem that every month now I was in the same cycle of trying to hault the overdraft service and still be able to come out above the negative when my weekly paycheck arrived. TDS system really seemed to have that same goal- which made sense. Though at some point it took me well beyond my incoming pay amount and after that week I knew I could never catch up. I had to jump ship and switch my direct deposit of to a new bank and one that only offers 1 times {$20.00} max overdrafts. XXXX XXXX with my full paycheck actually arriving instead of first filling the previous weeks accumulated fees- I have not dipped below {$0.00} once. Heres where I need outside help : do I continue to pay down that massive TD balance due or is there any way they could reverse some or any of the over {$1000.00} of individual {$35.00} fees. I can honestly say that the majority of them are indeed the result of only 1 or 2 original and consciously made overdrafts. There are recurring bill payments still being drafted from the account but I cant deactivate them because I myself can not access the account until my balance has been brought back above {$0.00}. 
I dont know what to do or where to call. Every representative from TD in person and on the phone recites the same unhelpful information. 
This overdraft service by TD bank is nothing more than a high interest payday load program when I stop and think about it. Pay day lending is illegal in XXXX XXXX XXXXXXXX. Why can banks get away with it? 

Please help.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and XXXX XXXX I wrote letters to the bureaus requesting to update my accounts with late payments to be updated as PAID NEVER LATE. According to FRCA law 15 USC 1681 Sec 604a Sec 2 a consumer reporting agency can not furnish an account without my written instructions. I believe other FRCA laws were broken such as 15 USC 1681 Sec 602 which states I have the right to privacy and 15 USC 1666B that states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

RESOLUTION : I am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed. 

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per 15 U.S. Code 1681c-2, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) 1XXXXBalance : {$180.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance XXXX {$440.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance XXXX {$1200.00} XXXX XXXXBalance : {$2500.00}
Product: Mortgage

This is a complaint against XXXX, acting on behalf of Lakeview Loan Servicing. I made extra principal payments on my mortgage on three occasions in XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They applied part of the amount each time as regular mortgage payments, with a portion going to interest instead of all of the payments going to principal. 

I called them on XX/XX/XXXX to have them apply the amounts to principal only. They said they would and I got off the phone with them. A day or two later, I had an alert on my bank 's credit monitoring that my credit score had dropped. XXXX had reverted XXXX months of payments, XXXX through XXXX. They did not refund the payments, but told me they had put the amount ( {$21000.00} + {$8100.00} + {$97.00}, totaling {$29000.00} ) into a special holding account. My credit score went from XXXX to XXXX. They never told me they would do that and obviously that is not something I would authorize. They never called me to tell me, I had to call them to fix it. 

After over an hour on the phone with them and talking to two different representatives including their " fixer '' from a completely different department, they re-applied the payments from the holding account to my mortgage account. But they did not correct the credit reporting. I paid off the mortgage loan completely ( payoff amount {$32000.00} ), because of this inexcusable and outrageous treatment. They reported the account as current after fixing the problem, and my report shows that the loan is paid off, but they should have issued a correction instead of reporting the account as current.
Product: Mortgage

All completed documents and approved for mortgage XX/XX/XXXX ready for closing. XXXX I received notice that property was not available due to fraud. I received notification from lender on XX/XX/XXXX that my application was denied due to my credit history.
Product: Credit reporting or other personal consumer reports

It is for a bank account I had I was evicted from my apartment and my personal items were discord I have no idea what happened to my account after that
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

XXXX XXXX stated once current on payments, all late payments would be removed from credit file. Company continue to furnish improper information on credit file according to FCRA Guidelines.
Product: Vehicle loan or lease

Chase deny me wrongfully for an auto loan. Ive been with Chase for years ran hundreds and hundreds and hundreds of thousands through their accounts my business account made over XXXX in the last XXXX years Chase have never offered me a credit card or auto loan or any sort. Chase is my main bank thats who I run all my business account through majority of my money come through. Ive asked for several auto loans through Chase and always was denied. Not sure why not sure why they dont value their customers. Not sure if they even care about their customers and I have hundreds and hundreds of thousands coming through there Banks and they use our money to lend to other people but I cant get a auto loan through them and Ive been loyal to them for years. Im just at the point that everybody needs to be held accountable for their actions Chase you need to do better all these years that I have bank accounts with you guys. I had thousands of dollars running through it. Theres no way I should be denied any type of credit if you can clearly see that I have money coming in and I can afford a auto loan and Im pretty sure you see my credit report shows all of the auto loans Ive had in the past and paid off. I juggle multiple vehicles at a time paying call and never be late. I just dont understand like, what is the problem? Are you guys discriminating against me but you want my loyalty to you? I just think its so crazy that they never even offer me anything knowing that they saw money come through my banks and I have two business accounts with them now when I used to have three with them and I have personal bank accounts I think Im going to close my bank account with them and try using some other sort of banks because this is not gon na work for me. What do I need to be with you guys for what benefits do I have?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been challenging accounts XXXX and XXXX on my credit report with experian because there agency is reporting inaccurate information. when they sent my results XX/XX/2022 I had noticed there before and after results showed experian illegally re-aged these accounts without updating the payment history supporting their update. XX/XX/2022 I put them on notice based on those same errors. XX/XX/2022 there results stated they updated these accounts. when I looked at the before and after nothing was updated and experian didn't even properly notate that a investigation was done in the comments section on neither accounts. XX/XX/2022 I wrote them a letter for the reasons I just specified. finally XX/XX/2022 I got back results and again they state they updated these accounts and NOTHING was updated. Nothing was changed. im tired of going back and fourth experian Is obviously in non compliance. they are generating false results to me wasting my time and causing damages to my credit report. with all that being said, I did not give these furnishers written instruction to furnish information on my consumer report under 15 u s c 1681b ( a ) ( 2 ) and under 15 u.s.c 1681 ( a ) ( 4 ) these furnishers are violating my right to privacy by reporting inaccurate information, treating my consumer report unfairly by generating me with false results still with errors and furnishing information on my confidential consumer report without my authorization. included are all paperwork to support this complaint.
Product: Mortgage

On or about XX/XX/XXXX my clients mortgage loan was transferred from XXXX ( XXXX ) to Bayview financial. My client was advised no to make the XX/XX/XXXX mortgage payment to XXXX, but to make the payment to Bayview. 
On XX/XX/XXXX, my client called Bayview financial and advised that she wanted to make the mortgage payment for XX/XX/XXXX and XX/XX/XXXX. On this day my client agreed to make two payment, through a Bayview Financial Check-by-Phone system which totaled {$4300.00}, and was written on check number XXXX. During this telephone conversation my client provided her bank routing number and checking account number from her XXXX checking account which ended in XXXX. 
On XX/XX/XXXX, my client again called Bayview financial to make a payment for XX/XX/XXXX. Although my client asked for the Bayview representative specific question regarding her loan, the representative would not release information to my client. On this day my client again completed a check-by-phone for the XX/XX/XXXX mortgage payment in the amount of {$2100.00}. My client used the same bank information that was previously used. 
Again on XX/XX/XXXX, my client called to make a mortgage payment in the amount of {$2100.00}, which was for the XX/XX/XXXX mortgage payment. During this conversation the Bayview representative did not inform my client that a check had been returned or not honored by her bank. My client specifically asked if there was a problem with the check by phone, and was advised during this conversation that there was not issue with the previous payments. My client utilized the same XXXX bank account, and the payment was withdrawn XX/XX/XXXX. 
On XX/XX/XXXX, my client and I spoke with Bayview financial and were advised that the mortgage payment completed on XX/XX/XXXX, and XX/XX/XXXX, had been returned as " unable to locate ''. During this conversation we requested that a research be completed regarding the check-by-phone, and the representative declined to open an investigation into this issue. 
Enclosed please find a copy of my clients complete bank statement for XX/XX/XXXX through XX/XX/XXXX. These statements confirm that my client had the funds available to make each mortgage payment at the time she provided the bank information. We request that Bayview review the call recorded for each transaction and validate that my client provided the corrected information for each payment, and that the Bayview representative failed to accurately input the bank information for each transaction. Also, if in the investigation, it is confirmed that Bayview committed an error when taking the bank information, I request that all late charges and negative credit reporting be removed from my client loan. Once this review is completed my client would like to make all of the payments on her loan to bring her loan current.
Product: Credit reporting or other personal consumer reports

I got a membership with Experian XXXX. They were supposed to use my paid on time utility bills and other bills to improve my credit score. When I loaded the bills, my credit score dropped significantly despite every bill being paid on time for the last 10 years. I tried to call, suddenly all the bills dropped off and I could not get them back. The person I got told me to unload the account and reload it, I did, the bills returned but dropped again. I tried to call again and could not get through to anyone, just a computer that was giving me the same lines that the person did and referring me to a Q & A. None of this is helpful and I have posted these questions to XXXX and gotten no response from them. What is the use of this service if it just messes things up. My credit didn't need to be dropped lower than it was. I am trying to rebuild it. This is just ridiculous and I don't know what is going on but it worries me that these people have full access to my credit information.
Product: Mortgage

I submitted a complaint almost 1 year ago for the illegal foreclosure nationstar did on my home in XXXX after I became XXXX from XXXX XXXX in XXXX. They violated federal regulation code XXXX exclusion and did not offer any foreclosure alternatives. They took over {$3000.00} for a reinstatement in XXXX that was never applied or accounted for. They did not serve any documents legally or correctly and did not sell the home but instead took it back, locked me out and then sold it for nearly {$40000.00} more than I owed. They claimed incorrect balances owed and did all of this while I was under modification. All these agencies just say there is nothing they can do and that's after they let nationstar investigate their own misconduct which of course they found to be correct. None of this helps anyone because the CFPB and THE D.F.I. side with the ones doing this to people who can really say " there's nothing we can do ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX DOB : XX/XX/XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX BANK XXXX XXXX {$2000.00} Paid, closed Account Info Account numberXXXX Account status Closed Date opened XX/XX/XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$0.00} Paid, closed Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type XXXX XXXX Balance Loan Amount {$0.00} {$26000.00} XXXX XXXX XXXX {$2800.00} Paid, closed Account Info Account numberXXXX  Account status Closed Date openedXXXX XXXX, XXXX Account type XXXX XXXX Balance Loan Amount {$2800.00} {$16000.00} XXXX XXXX   OPENED XX/XX/XXXX XXXX {$960.00} XXXX XXXX XXXX   {$4600.00} 0 % paid off Account Info Account numberXXXX Date openedXXXX XXXX, XXXX Account type Education Loan Balance Loan Amount {$4600.00} XXXX XXXX XXXX {$1700.00} 0 % paid off 6 late payments Account Info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Balance Loan Amount {$1700.00} {$1100.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Lease Balance Loan Amount {$3800.00} {$5100.00} Payment Info Status Charge-off Past due amount {$2200.00} XXXX XXXX   XXXX {$12000.00} Paid, closed 1 charge-off Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type XXXX XXXX Balance Loan Amount {$12000.00} XXXX XXXX XXXX {$0.00} Paid, closed Account Info Hover over labels for more details Account numberXXXX Account status Closed Date openedXXXX XXXX, XXXX Account type XXXX XXXX   Balance Loan Amount XXXX XXXXunavailable XXXX XXXX Original creditor : XXXX {$1500.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$1500.00} {$1500.00} Payment Info Original loan amount {$1500.00} XXXX   XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
{$960.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Balance Loan Amount {$960.00} {$960.00} Payment Info Original loan amount {$960.00} XXXX XXXX XXXX XXXX XXXX Bankruptcy chapter XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX Court XXXX BKPT XXXX XXXX   XXXX.
Product: Money transfer, virtual currency, or money service

I had an account with Wells Fargo and XXXX XXXX XXXX. I lost at least {$500.00} from XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I logged into my XXXX XXXX XXXX XXXX app to see my credit reporting. I saw an inquiry posted on XX/XX/year> about an inquiry at Barclays Bank in XXXX Delaware posted on XX/XX/year> to my credit history. I have never been to Delaware and I knew immediately it was fraud. I tried to call the bank but the first immediate question asked was, Whats your credit card number? I immediately hung up without saying anything. The banks address is allegedly po box XXXX XXXX, Delaware XXXX and their phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters sa

ying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with The Fair Credit Reporting Act the United States Bankruptcy XXXX Ohio District Case Number XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to Transunion was dated on XX/XX/2022, but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX