23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

TD Bank is horrible! I have a mortgage with TD Bank that I have been trying to refinance but they do not give or the refinance company the requested info i.e. 12 month pymt history and the pay off letter. I have been asking for it at least 3 times by phone and through online inquiry service. I need to refinance to get my rate lower, get rid of the mortgage insurance, and get funds to get needed work done on my house. They are going to cause me to lose my low rate and miss the closing date. Please help me! This is my 2nd complaint to CFPB about TD Bank. I did get a resolution on the 1st complaint of them putting me in forbearance on my credit report without telling me and not removing it when i asked and they agreed to remove 3 times. 
In my 45 yrs of banking I have never dealt with such an incompetent and non responsive bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX reported XX/XX/17 on my inquiry which I did not authorize reported on XXXX also I was in the breach. No amount was given called the company and ask them to remove them and they would not. Has caused my credit score to lose 25 point. Someone has been trying to obtain credit in my name. I have no contracts, photo 's, documents, letters or receipts for I did not apply to any of these companies for credit. 

XXXX XXXX XXXX XXXX company reported XX/XX/17 on my inquiry which I did not authorize reported on XXXX   also same as the above complaint. 

XXXX XXXX XXXX XXXX XXXX reported on XX/XX/17 which I did not authorize reported also on XXXX same as the above complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 Is the same as it is under 15 USC 1620 ( 1 ) Which is The term credit card means any card plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit. Notice Congress said any card. The credit card is my Social Security card. This is the credit card I used to originate every consumer credit transaction below. Pursuant 15 USC 1681a ( 2 ) ( A ) ( i ) Any report containing information solleey as the transactions or experiences between the consumer and the person making the report should be excluded. Person is defined in 15 USC 1681a ( b ) Any individual partnership corporation trust etc. I am the consumer and XXXX XXXX is the corporation in this case Which puts you in violation reporting late payments. You are also using criminal means to harm my consumer reputation by reporting late payments on these accounts violation 15 USC 1692d ( 1 ). I am demanding that you remove the late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my consumer report immediately as it is is a violation of my rights as a federally protected consumer under title 15 Chapter 41 and a violation to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Also pursuant 15 USC 1640 I demand that you pay the attached invoice for violating my federally protected consumer rights and damages caused by check and also labeled as exhibit a is proof of the violations. Also attached is the the invoice along with the certified mail receipt that was sent.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and  U.N.C.I.T.R.A.L Conventions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score on XX/XX/2022 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX 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 XXXX XXXX XXXX. 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 those account 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Date Opened : XXXX XXXX XXXX  Balance : {$320.00}, XXXX XXXXXXXX Date Opened : XXXX XXXX XXXX  Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX Open Date : XXXX XXXX XXXX  Balance : {$12000.00}.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Debt collection

I do not recognize this alleged debt. I have sent a debt validation letter to this company and have been ignored. Please remove this account from my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report is XXXX I have a credit application to XXXX XXXX  XXXX  looked at on XX/XX/2022
It affects my credit score and it was fraud by XXXX or experian. Either one looks bad on my credit report. I have a freeze on my credit report. So I have no idea how it got there. It doesn't matter how it got there it needs to be taken off my experian credit report. Take off the hard inquiry on experian report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. 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. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

On XX/XX/XXXX I sent a letter of Debt Validation pursuant to 15 USC 1692g to Capital Management Services , LP for the alleged debt they are attempting to collect from me as an alleged debt collector for XXXX XXXX. I already submitted a complaint against XXXXXXXX XXXX  for attempting to collect an alleged debt I do not owe as to get a secure card you have to give the money upfront to receive " credit '' back. Also, I am the original creditor, so how can I owe this alleged debt. I paid this alleged debt regardless and now there are 2 companies trying to collect a debt NOT OWED! They are also furnishing false and deceptive information to my consumer reports which is a violation of my rights! I sent this debt validation letter XX/XX/XXXX in which Capital Management Services , LP received through certified mail on XX/XX/XXXX. This company has not responded to my request and is still attempting to collect on the alleged debt. They are claiming I owe {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two " hard inquiries '' on my credit reports. They are from : XXXX XXXX XXXX dated XXXX XXXX and XXXX about the same date. 
Someone is trying to get credit cards in my name. 
I have not applied for these cards. 
The hard inquiries have lowered my crdit scores. 
They will stay on my credit reports for two years. 
I am trying to buy a new vehicle and these inquiries have lowered my score to where I now may not qualify.
Product: Credit card or prepaid card

I spoke to a lady i forgot her name but at the usbank branch and she would not give me help, and when i asked to speak to her superviser she cold transferred me to the closed fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be updated or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reporting Experian because I have reason to believe that my score is being targeted. I pay my reporting accounts on time and never late, I have one late payment reported from a fraudulent account that I tried to dispute but they refuse to delete it, which is from a credit card company XXXX XXXX Bank. The late payment is over six years old. There are no other delinquencies on my credit report but for some reason my score will randomly go down drastically, and Experian can't justify why. I called Experian to get an explanation of why and they could not find a reason and told me to contact XXXX. I work so hard to keep a good score I pay everything on time and they decreased my score by XXXX points with no explanation. This is the third time this has happened.
Product: Debt collection

this is an addendum to COMPLAINT ID XXXX I found emails that I saved with the final bill sent to me in XXXX, the payment confirmation for the portion that I paid, and confirmation that service was disconnected on XXXX XXXX The bill covered the entire month of XXXX despite disconnection of service on XX/XX/XXXX. After the chat I referenced in my previous complaint in which the XXXX  rep gave me the prorated amount to cover XX/XX/XXXX - XXXX. I paid that amount. I found a confirmation of payment email from XX/XX/XXXX, showing I paid {$22.00} to cover the service I received from XX/XX/XXXX XXXX. The bill they sent on XX/XX/XXXX was for {$48.00}. The remaining amount of the bill {$25.00} covers XX/XX/XXXX - XX/XX/XXXX. XXXX did not provide service to my residence during those days and therefore has no business charging me and sending a bill for services not rendered to collections.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that an account was not reporting accurately. I had some late payments on XXXX that was in fact paid on time. The consumer reporting agencies have to report all information with complete and 100 % accuracy the account has not been late. I've attached a copy of my report to this complaint on the following dates XX/XX/2018, XX/XX/2018, XX/XX/2018 ) I'm now requesting that this account be investigated and provide verifiable proof with records showing that I had late payments. If this information can not be verified and I demand these late payments be updated to paid on time immediately, Thanks for understanding and prompt action.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX XXXX XXXX, 2016 Ref # : XXXX To Whom It May Concern : XXXX I would like to dispute the following item on my credit reports : XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX Partial account number : XXXX. 
Opened XXXX, my credit report shows a late payment in the amount of {$92.00}. As of now CHARGE OFF XXXX/XXXX/2016 However, I have enclosed copies of my cashier check purchased on XXXX/XXXX/2016 and forward via USPS overnight as payment on XXXX XXXX 2016. Payment was made in full amount of {$93.00} when the balance was {$91.00} at that time. 
See attached clearly show my payment ( Cashier Check ) for XXXX XXXX, 2016. The XXXX XXXX XXXX XXXX has verified the Check was posted for Payment Additionally, it appears that the same matter is being reported twice as a double/damaging. I say strongly state again the full amount was forward ( PD ) to Lowes of {$600.00} as payment as Lowes requested. There was not notice by either party at that time the account was sold or transferred. XXXX placed additional charges on the Lowes Balance placing demands after payment was made and forward to LOWES. I contacted XXXX and made inquiries / concerns there was no notices or request for payment stating the matter had been sold or transferred to them was forward to me at XXXX XXXX XXXX XXXX, LA XXXX. I was told that they do n't send them out. Then I was transferred to a XXXX manager who attempted to clean that statement up. After that conversation and it being placed on my credit reports notices was forward via the mail to my address. 
I dispute the most recent change to Charge Off being report by XXXX. It 's a paid matter in Full as of XXXX XXXX, 2016 payment was made overnight and received checking the tracking number given by the Post Office. Also the Credit Union states the Cashier Check shows payment / cashing by XXXX 1. Lowes : Charge Off : # XXXX ( Reporting ) Not PAID 2. XXXX : Charge Off / Dispute payment was made prior to reporting being made to the XXXX Bureaus : XXXX, XXXX and XXXX under # XXXX Please correct and I am requesting updating this as soon as possible as it 's incorrect reporting via the Bureaus. Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan account with AES/XXXX  was opened on XXXX XXXX and the account became active for repayment on XX/XX/XXXX. 

The account is closed and was paid in full on XX/XX/XXXX. This bank has been inconsistent in their reporting of this account, particularly by reporting it in good standing only after I filed a dispute and even then, they only updated 1 of the 2 credit bureaus with the accurate information. There are several months over several years where the data for payment and other account information has been reported as 'Unknown ' or not at all. 

Further, the first date of delinquency on this account was XX/XX/XXXX which is over 7 years ago yet this bank has failed to remove this account from the credit bureaus. All three credit bureaus have stated to me that the accounts should be removed. I contacted this bank, both by phone and mail, requesting that they update my credit reports. Instead of removing the accounts, they cherry pick a payment date and confirm it, keeping the accounts on the credit file. I spoke with this bank today, XX/XX/XXXX, and they attempted to do the same thing. 

They have failed to take the appropriate and lawful action to correct my credit profile. I have suffered as a result of this negligence in higher interest rates and credit denial. As a statement of fact, I have 13 other accounts on my credit file, all with exceptional payment histories. AES/XXXX  is the only adverse account on my credit file. This bank has been so negligent in their reporting that they reported the status of my payment for XXXX and XX/XX/XXXX as OK but then reported the status of my account for XX/XX/XXXX as 90 days past due. How is it possible to be 90 days past due in a month where the previous two months were reported as OK/Paid? This is but one example of the gross negligence of AES/XXXX  regarding my account. 

This gross negligence and neglect to my account in the credit bureaus appears to have been intentional as I have made this known to this bank numerous times. I am requesting that this account be removed from all three credit bureaus immediately and not reported to them again, as it has been over 7 years since the first date of reported delinquency. My next step will be to take legal action. I am also reporting this matter to the State Attorney General 's office.
Product: Credit card or prepaid card

i opened a credit card account with capital one back in XXXX of this year to try and fix my credit score and for some unknown reason they closed my account on me in XXXX and keep took money out of my bank account when there was no money in there to take out causing me to go in to an overdraft im struggling as it is and for capital one to do that is unacceptable im working with my bank to return the funds but capital ones actions need to be dealt with thats why im going to CFPB because you guys help with this sort of thing