23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXX XXXX XXXX status

. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA! I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX XXXX  notice to me as mandated by reporting regulations that you MUST comply with. As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX - XXXX
Product: Debt collection

I signed up with XXXX XXXX XXXX about 3 years ago to pay off my Bank America credit card. They took {$210.00} a month out of my checking a/c for 30 months - which is what they told me would satisfy my account. I have paid all of that six months or so ago. Bank America has given my {$12000.00} balance to a debt collection agency. They have sent me a notice to go to court XXXX. I have been trying for several months to speak with someone at XXXX. I have not been able to speak with a real person. I do n't know what their plans are for my {$6500.00}.
Product: Credit reporting or other personal consumer reports

Dispute of inaccurate information failure to investigate and violation of FCRA 605B and 611 Dear Experian serves as a formal dispute regarding in accurate and unverifiable information on my credit report despite multiple attempts to address this matter Experian has fell to conduct proper investigation and continues to report inaccurate information. In violation of the of the fair, credit report act as supported by the consumer financial protection bureau ( CFPB ) lawsuit against Experian for sham investigations. Please see the attached documents.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some items still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries that appear on my transunion credit report. I recently retrieved my credit report and it showed four unauthorized credit inquiries that I have no knowledge of ever authorizing at any given point. I believe these unauthorized hard inquiries are a result of identity theft. I have never seeked any type of credit from the companies down below nor did I ever give them the authorization to pull my credit report. I am writing to dispute the following inquiries and asking for their removal from my credit report immediately as it is illegal to report inaccuracies to a consumer credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year>, XX/XX/year> Please have these unapproved inquiries removed from my credit report within 30 days as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this is resolved. Attached you will find a copy of my ID and social security card for verification along with a filed FTC report on behalf of the authorized inquiries. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

. I am a single mother of XXXX including my XXXX daughter ( XXXX. ) I have a XXXX and XXXX year old daughter, and my mother who XXXX also live with me. I have a loan with XXXX. I had some financial trouble, and the loan was modified in 2015. At the time of the modification we ( XXXX and myself ) were attempting to have the loan balance that was in default helped by Keep Your Home California. It was going well, XXXX agreed to be a part of the program. In XXXX of 2015 I was informed that the new service provider Amerinational was not interested in the program. That meant that although XXXX had already modified my loan with thought that the overdue part would be assisted by keep your home California, that delinquent portion was carried with me to the new servicer. I have since that time always been 90 days behind because I cant make up the money. I am now facing foreclosure for a total of {$3600.00} although I fully qualify for Keep Your Home California, I am going to lose my home because a servicer that I have no control of wont participate. How is this fair?? 
I can afford my mortgage, I just cant afford the extra overdue amount. How do I get around this? I 'm being disqualified from a program that I qualify for because, a company that has no interest in my well being does n't want to participate. I understand that they cant be forced, but why not have another option? How do I take a XXXX person to a homeless shelter? How do I protect her, my teen daughters, my mom, and myself in a homeless shelter? How do I leave my XXXX daughter to look for a job during the day at a homeless shelter ... that if they have room for a family of XXXX. What if they do n't? Who sleeps on the street? How do I make my kids know that this is there new reality? Why is this okay? I have lived in my home for 10 years. My XXXX does n't remember any other place ... How is this okay?
Product: Checking or savings account

Sent a notice to TD Bank on XX/XX/2020 that a checking account through their institution was fraudulently opened in my name. Sent this notice after my parents received the first account statement from TD Bank at their home address ( my previous address ). This was the XX/XX/2020 account statement that made me aware an account was opened fraudulently in my name. Requested that TD Bank close the unauthorized account and take steps to remove information about the account from my credit files. Requested a written correspondence explaining their findings and confirming the account was closed. 

Never received response from TD Bank. 

My parents received another account statement from TD Bank XXXX XX/XX/2020 account statement ) suggesting TD Bank has not taken any action after I initially notified them of the unauthorized account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter of Complaint : Refuse to Validate Debt Beginning in 2019, Ive disputed the debt with the major credit bureaus, as well as Bank of America. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, XXXX  or XXXX, no longer responds, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). 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. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, XXXX  and XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX Oscar System to input codes is not sufficient verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy. 
XXXX ) Account name : XXXX # XXXX XXXX ) Account name : XXXX XXXX # XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX  # XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX  # XXXX XXXX 
15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 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. c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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 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 accurate.
Product: Mortgage

I ended up getting incarcerated and lost my job and my house, I mean I couldnt make the payments due to where I was
Product: Money transfer, virtual currency, or money service

I have a boyfriend overseas, who I met online. Hes told me he trying to come back to Ohio and he needs to get things done before he arrives back. He told me that he would deposit money into my account from a company that he has people working for him in and wanted me to help him send this money to certain places and people to help him get a place to stay, car, furniture etc for when he arrives back. The deposit came through on XX/XX/XXXX from a company named XXXX XXXX. He asked me to go to the bank on XX/XX/XXXX, XXXX, XXXX to withdraw large amounts of money and send it to certain people. I didnt think anything of it because he sold me on a dream that he was preparing to come home to me and my children, hes spoken about marriage and has even sent me gifts to my home for XXXX XXXX and my past birthday in XXXX and he said he was trying to get things together for us before he arrives. He then asks me to go to the bank again on XX/XX/XXXX. The day of XX/XX/XXXX I attempt to go to the bank and withdraw the amount he asked me to withdraw and it was not approved and thats when I was told they are now looking into the account for fraud. I had no idea all this was going on. I truly believed what the guy I called my boyfriend was saying to me, seeing as I have been talking to him since the beginning of 2020 in XXXX. He was telling me because of covid pandemic he can not leave right now and he has to send his funds over now to get things ready for us before his return and I was just oblivious enough to believe it. On XX/XX/XXXX after I called the fraud department to see what was going on and they told me it was being investigated, I became scared and upset because I did not know what was going on and I immediately called the attorney generals office and told them I suspected I had unknowingly been involved in a scam and fraud. The lady I spoke with took my information and advised me to file a police report and get copies of it and file a complaint with consumer finance bureau because she suspects I was apart of a Relationship Scam. I then called the police and had them come out to my home so that I can provide a police report of what was going on. I honestly had no idea that this was going on and I was unknowingly involved in something I would never in my life do! Im a full time XXXX with 3 jobs and XXXX kids. I would never put my children in jeopardy like that! Ive called today to request a copy of the police report to add it to this but they said since it was given last night ( XX/XX/XXXX ) it will not be finished until XX/XX/XXXX and thats when I will be able to forward it to everyone.
Product: Credit card

I contacted my key bank latitude fraud and disputes and filed a dispute as I never authorized any such charge and never agreed to any such terms and conditions of the company that was charging me. As well as some sort of invoice statement which i never participated in any such auction, I don't typically do business with the company that the invoice was from ( XXXX XXXX  ), and never signed anything authorizing my card number to be used for any deposit or any other charge, and they only relied on the bogus info that the company sent them and after asking them back in XXXX for the info that was provided by peak I never received anything. Key advertises XXXX XXXX XXXX XXXX but then doesn't provide that and allows unauthorized charges without any protection as evidenced by their reversal of the credit issued initially.
Product: Mortgage

Received a letter from TD Bank on XX/XX/XXXXstating that I was {$34.00} short in my XXXX payment, and needed to pay by XX/XX/XXXX to avoid late fees.

I called TD on XX/XX/XXXX and paid the {$34.00} over the phone. I also told the TD Rep, XXXX XXXX, that the letter had arrived after the payment was already due. Furthermore, I pointed out that every other mortgage company I've ever dealt with has sent a letter to let customers know when the monthly payment changes, and has done so once per year, at most. TD has now twice changed the monthly amount due within a 12 month period, and did not send a letter either time. I have automatic payments set up, and I don't change them until I receive a letter that the amount due has changed. I asked that Mr. XXXX put in a request that the late fee be waived.

Received a statement in XX/XX/XXXX showing that I now owed over $ 10K because my late fee made my payment inadequate, so that 2 months of payments were in unapplied funds now. I called TD and in the course of the conversation, it became clear that the {$34.00} I had paid was not applied until XX/XX/XXXX, even though TD claims payments are applied in one business day and I had paid on XX/XX/XXXX, a Tuesday. We were told that the fee of {$190.00} had been waived, and everything should be OK now.

Received at letter dated XX/XX/XXXX stating that we still had not paid {$34.00}.

Called again and were told that everything was ok and that there would be no more fees.

Received a statement saying that we owe {$5200.00} including a new fee of {$190.00}. Furthermore, the unapplied funds were seemingly due to this newest late fee.

Called TD Bank today ( XX/XX/XXXX ) and spoke to XXXX XXXX who says that different systems are showing different information for our account and she will send the matter to research. She offered to update us next week.

In short, TD Bank continues to delay applying funds and then to charge late fees, which then cause the next month 's payment to be considered a " partial payment '' which results in funds not being applied yet again, and more fees. It is a vicious circle that benefits TD and swindles the customer. Trying to resolve this with TD only results in long wait times on the phone, more conversations that lead us to believe everything is settled, and then additional letters and statements telling us that our payments are deficient.
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX North XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following charge off accounts on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe these accounts are reporting incorrectly on my credit report. [ Add any additional information here, such as if you've paid off the account or if you don't recognize the account. ] As such, I am requesting that you investigate these accounts and remove them from my credit report if they are found to be inaccurate. 

Please provide me with written confirmation once this dispute has been resolved. 

Thank you for your attention to this matter. 

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

I have reached out to Equifax multiple times to notify them they are reporting inaccurate items on my consumer report. In addition, I have advised them I have NEVER given written consent to them or any other agency or third party agency to report any items on my consumer report. I also provided them with the FCRA laws that they are violating and advised that they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

ACCOUNT NAME : XXXX XXXX XXXX/HEAR DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED ACCOUNT ACCOUNT NAME : XXXXCOLLECTION ACCOUNT DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED ACCOUNT ACCOUNT NAME : XXXX XXXX XXXX/HEAR DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED INQUIRY ACCOUNT NAME : XXXX XXXX UP DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED INQUIRY ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED INQUIRY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ; XXXX XXXX ( XX/XX/XXXX ) ; XXXX XXXX ( XXXX ) ( XX/XX/XXXX ) ALL ON EXPERIAN/XXXX/XXXX   and disputed. 

I recently attempted to dispute them and informed " I can not dispute as I already have done so ''. Yet, these items remain on my report though disputed and XXXX XXXX and XXXX XXXX ( XXXX ) was included in my ch. XXXX ( discharged/paid in full ) XX/XX/XXXX ; remain as negative items on my report. Experian is not removing the items and say I can not dispute them, though they list nothing stating included in Ch XXXX and discharged. Since that is the case, I have been trying to get them removed as they are all over 7 years old to no avail.
Product: Bank account or service

I have several complaints with Paypal and its company policy and procedure in regards to releasing funds and its fees on transactions. 
1. paypal company policy ... paperless statements being standard. I do understand the need for environmental conservation but when relating to financial records i demand a copy that has a better chance of it not being altered to support whatever excuse this financial insutution may have at the moment ... Due to the possiblity of a counter lawsuit i have been avised by an obtain legal representative to refrain and omit my previous complaint of fraud and criminal acts of using funds to pay recently Parted Ebay without some type of document stating that this act was implemented. Please also note copies of corresponding oral dialog were also discovered ( an app that rec all conversations and msg and stores via cloud ) unknowingly to both parties ( paypal rep and I ) stating and unknowing contridicting previous Paypal representive Statements on company policy and reasons excuses. Also advised to not include due to the non disclosure of record but also know of a link that is public to hear the recordings. Note i am not accusing Paypal of the criminal act and policy, but because this conversation with paypal represitive and i is publicly avavlible anyone wishing to hear can ... .i just wish the recording was admissible... 
2. Paypal policy on not releasing Seller ( funds ) due to Sellers Relations with Ebay. Im not too familiar but isnt it unortdox and unethical proceedure to take actions on client ( I ) based on issues relations with other ( recently parted ) party. Its basiclly giving and saying i dont like you and i can keep your funds till i feel that you have acted properly to release it to you. but noting and stating that due to late shipments to buyer ( my customer ) that they have adopted this new policy... Also would like to include that i am being penalized with fees by Paypal for their own policy. 
3. Paypal proceedure on charging a fee on all transactions after the initial fee. Including refunds to customers from disputes and double charges to same clients do the fact that once a complaint has been made by buyer paypal has the attority to release funds and make a desesion on faulty party ... without checking validity of statements. Basically, making judgement without facts and purely base on its views ( i assume not based on facts ) on client ( i ) previous issues. In stead of a etically position of making a finding of judgement on fault based on present complaint. 
4. paypal policy on advising the client ( i ) to recharge the buyer after it has made a mistake on judgement. and stating that they do not have the authority to retract the erroneous judgment. I am not sure on this act if it is a criminal act or an ethical concern and wasnt counceled on it with attorney but taking my chances and making this statement because i do have the email corresconding dialog with client buyer on it ... in additon also being charged a fee for this XXXX transaction.