23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

This letter is to inform of the fraud that was committed on Friday, XX/XX/XXXX at approximately XXXX to XXXX PM. I received a call from TD Bank with the phone number XXXX, as I picked up the phone the woman who I thought was a representative asked if I was XXXX XXXX, & informed me that there have been some fraudulent charges on my debit card. She informed me that there was a charge of {$130.00} to XXXX, {$56.00} to a gas station, and various other charges that I did not recognize. At that time she thanked me for using TDs Voice recognition. She also asked me to verify my online banking username, which I gave her not knowing that my online banking would be locked. She informed me that the banking would be locked so that she can look into these fraudulent charges, she also asked me about charges that were actual at that time. Her demeanor and the way she articulated everything was exactly as other TD representatives lol have spoken to me in the past. After she said she was looking into these fraudulent charges she asked me if I authorized a pending transaction through XXXX of {$900.00} to which I said no. She sent me a text message ( that came through XXXX number XXXX ) with a verification passcode of six digits which I gave her at that time, after I gave her the verification number I was sent an email from XXXX ( please refer to screenshots ). When I received the email I said no I did not authorize this charge she then said that this charge would temporarily go through so that TD Bank can dispute it, she asked if I was OK with the charge going through so that the dispute can be processed to which I agreed as I was not aware of how the process of disputes go as far as XXXX, so I didnt know that at that time the money was taken out of my account, the whole time I was on the phone with her I did not have access to my online banking I also received an email saying that my username was being changed. Before getting off the phone I asked her for a case number which she gave me but of course it wasnt an actual case number, and when I was finally able to log into my online banking after resetting my password several times, I saw that the {$900.00} was taking out of my account. I called TD back to make sure that the case number was filed and the dispute was filed to which I was informed that the case number did not exist and that no one from TD had actually called me. 
At that time I filed my first dispute, the next day I submitted proof of the emails and text messages that were sent to me while I was on the phone with the hacker/scammer TD representative. 
My first dispute was denied and I submitted a second dispute with this letter as well as even more proof of the fraudulent phone call and scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not applied for these accounts are fraudulent.
Product: Credit reporting or other personal consumer reports

I DID NOT SIGN ANY AGREEMENT THAT XXXX XXXX XXXX COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF XXXX ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.
Product: Mortgage

Per Planet Home Lending in their response to my complaint filed with the Consumer Financial Protection Bureau : Planets investigation revealed that you initially submitted an online portal inquiry on XX/XX/XXXX. The submission was partially completed, however, did not indicate whether the disaster hardship was resolved or ongoing. Planet issued both acknowledgement and missing items letters ( enclosed ) on that same date. To proceed with a Disaster Modification, Planet must verify that the hardship was resolved, the borrower returned to work and with no negative long-term change in the household income occurring. Despite numerous attempts, we did not receive the required information. Therefore, on XX/XX/XXXX, a loss mitigation denial letter ( enclosed ) was issued. 

My Response : The M26-4 5.06 ( 3 ) states The event, or circumstances that caused the default has been, or will be resolved, and is not expected to re-occur, so is Planet Home Lending seriously trying to say you were unsure if the hurricane had dissipated 3 months later?

Per Planet Home Lending in their response to my complaint filed with the Consumer Financial Protection Bureau : On XX/XX/XXXX, upon receipt of an online request from you, you were approved for an extension of the COVID-19 forbearance plan, which was good through XX/XX/XXXX. As an additional courtesy, Planet backdated the forbearance plan to XX/XX/XXXX, waived your late fees and ensured no negative credit reporting was furnished to the three major agencies pursuant to the CARES Act while you were on a forbearance. Therefore, you were provided with a COVID-19 forbearance plan for a total of 18 months, which is the maximum number permitted by the VA for loans with a COVID-19 hardship on or prior to XX/XX/XXXX. 

My Response : 1. The company has in effect detailed another violation of the CARES ACT and VA Circular 26-21-04, as neither imply or expressly provide a mortgage servicer the authority to retroactively apply/backdate the application of a CARES ACT COVID-19 forbearance. 
2. The document provided by the company on XX/XX/XXXX allowing a one month extension of forbearance makes no mention of a retroactive/backdated forbearance. See forbearanceml.pdf.

3. Whatever they do regarding the forbearance has to be requested by me per the CARES ACT and VA Circular 26-21-04. I never requested they retroactively apply the two months of remaining eligibility. It makes no sense. Why not apply it for XXXX and XXXX? Whatever alleged benefit ( lates fees and credit bureau reporting ) would of applied to XXXX and XXXX. 


Ive called and emailed regarding the name, address, and phone number of the owner of my mortgage to no avail. Please provide the previously mentioned information for the owner of my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've worked really hard over the past year to clear up my debts and improve my credit scores with Experian, XXXX, and XXXX. Apparently, they don't respond in kind on their end. It's been extremely difficult trying to make contact with them either by phone or online. It is vitally important to can get things in order so that when a lender is checking my credit score it will be accurate. No matter how many times I've tried to contact them about my current financial record about no late payments, no loan debt, no late accounts, no collections, wrong addresses on their end, and exceptional open accounts ... they don't make the proper changes so I can move forward. I find that to be not only unfair, but negligent. Some of the agents prove to be unresponsive, sloppy, slow to respond, and inaccurate. I've had lenders turn me down even for the simplest of things recently. It's like I'm being punished by the 'Credit Bureau 's ' now. I'm proud of how far I've come, and I'd like to ask for your support. I went through a very painful period monetarily, and now that I'm on my feet again I deserve to be treated with dignity and respect by those who have little or no compassion for others. Respectfully yours!
Product: Mortgage

Nationstar mortgage is charging me hundreds of dollars over the amount needed in my escrow account. I am currently in a chapter 13 and I currently have over {$2000.00} in escrow overage. I am aware that this will have to stay in the account until my chapter 13 is finished but it seems they are intentionally charging me way over the escrow amount needed and why would anyone have this amount in overage, in the past with ocwen before they sold my loan to nationstar I never had over XXXX bucks in escrow overage. after reading other complaints online apparently they do this and keep the money. This is a horrible company and they are really rude people and refuse to help with anything. I hope you can help me with this problem.
Product: Checking or savings account

Wells Fargo sent an email out today on XX/XX/2022, around XXXX pm sent a notice of reversal of temporary credits to accounts that received stimulus payment through the child tax credit. Now because I receive SSDI I automatically pay every overdraft fee as soon as the deposit hits... so now Wells Fargo is basically trying to double dip in payments and claim that they paid all the overdraft fees when I have the evidence through my statements that I paid every overdraft with my direct deposit. 

Now as I am trying to get myself finances together now you see that I am going to be hit with a huge overdraft fee that will then consume all my benefits. I have all my bank statements and am looking for assistance now for a class action case because I know I am not the only one.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used improperly. I did not give permission for these companies to use my information.
Product: Credit reporting 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. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$28000.00}.
Product: Credit reporting

I have contacted the XXXX about the debt ( {$75.00} ) in order to pay it off ( attempted 5 times and leaving voicemail ). They never called me back to verify debt or anything. So I take it as this debt is no longer liable by me.
Product: Credit reporting or other personal consumer reports

After talking to eqifax in XX/XX/XXXX XXXX told me that i have 9 address that didnt disclosed to me i also disputed the inaccurate address that were on my file which is XXXX XXXX XXXX XXXX that will not removed the address I have disputed .i disputed the non mailing address with cfpb which was XXXX XXXX XXXX Michigan XXXX they send me a letter in responds to my dispute an address that is not on my file which you all have records of me disputing.i called equifax on XX/XX/year> and spoke with XXXX who lied to me and said that they only have one address my file which is my current address, and they have removed the address but they have never sent me any notification on the deleted addresses.because I have us total service that notify me of the upcoming mail.when I asked to speak with the manager she hung up on me i have the letter that they have responded to from the cfpb complaint which is not anything I have disputed.i belived they were misleading and non professional to me.i am demanding to removed the non mailing address XXXX XXXX XXXX XXXX XXXX and the other nine addresses that they would not tell me about that I have on my consumer report
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, Experian, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX about fraudulent accounts that does not belong to me, multiple times. And they have yet to remove these fraudulent items from my credit report. I have filed a report with the police agency and FTC. All the accounts that needs to removed are as follows XXXX XXXX XXXXXXXX XX/XX/XXXX {$720.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX {$350.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX  have overused their power of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other without my consent is unfair according to Congress Law. I have attached letters that I've previously sent via mail. These credit bureaus are not operating with the boundaries of FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. Im reaching out to request your help with a situation on my credit report that I believe involves some inaccuracies, specifically with a charge-off account reported by XXXX and Experian. These errors are affecting my credit score, and Id like to ensure that my report accurately reflects my account history. 

Here are the details of the account in question : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX I believe theres been an error in the reportingsome of the details listed arent correct based on my records, and its creating an incomplete and potentially misleading impression of my credit profile. 

I would be so grateful if you could look into this for me and help make sure my report is accurate. If it turns out that the information cant be verified, I would request its removal from my report. 

Thank you so much for your time and assistance with this. I look forward to hearing from you soon and am hopeful we can get this resolved promptly. 

Warm regards, XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received an email notification from a credit monitoring service which is set up through my banking institution. I was notified that my Transunion credit score had dropped by many points. I then contacted Transunion several times, only to speak with reps who could not give me an explanation as to why my credit score had dropped. Each representative I spoke with, disconnected the call after I insisted that Transunion provide me with documentation explaining why my credit score dropped. I was told by a representative that the decrease in my score could be due to credit reporting from my banking institution which I have a credit card. I contacted my bank and was informed that no recent negative information had been reported to the credit bureaus since XXXX. I then called Transunion again, and no representative could explain to me why my credit score decreased. This is unethical business practices and has affected my livelihood. Credit Reporting Agencies have a duty by law to uphold but in this case, they are ignoring the laws. The explanation provided to me regarding the decrease to my credit score was " late payments reported by my banking institution. '' ... That reporting from my banking institution happened in XXXX. If this is the true cause of the decrease in my credit score, why did Transunion take 2 years to place the negative information on my report. I am asking that Transunion provide me with written explanation which gives details about any recent activity that was placed on my credit report in XXXX which caused a decrease to my score.
Product: Credit card

Dear Customer Service, I am writing to express my dissatisfaction with the handling of a recent dispute by Chase Bank. On [ date ], I contacted Chase Banks customer service department via telephone to report an unauthorized charge of {$11.00} on my account. Despite providing all necessary information and details regarding the transaction, the issue remains unresolved. 

I have patiently awaited a resolution, expecting Chase Bank to investigate the matter thoroughly and provide me with a prompt and satisfactory outcome. However, to my dismay, no action has been taken to rectify this situation. 

As a loyal customer of Chase Bank, I am disappointed by the lack of attention and urgency given to my case. I trust that Chase Bank takes customer disputes seriously and is committed to ensuring the security and satisfaction of its customers. 

I kindly request that Chase Bank promptly investigate this matter and take appropriate action to credit the disputed amount of {$11.00} back to my account. Additionally, I urge Chase Bank to review its dispute resolution process to prevent similar instances from occurring in the future. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. 

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

I am writing to dispute the accuracy of several accounts on my credit report under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681c-2 ) due to the widespread cybersecurity breaches affecting the U.S. government and other organizations. As a verified victim of XXXX XXXX, a private citizen and various unconfirmed members of the Department of Government Efficiency breach of the Department of Education, According to public reporting XXXX XXXX XXXX XXXX XXXX  a handful of XXXX engineers linked to XXXX companies, with unclear titles, could be bypassing regular security protocols during DOGEs infiltration of federal agencies. I am disputing the following accounts as inaccurate, unverifiable, or potentially fraudulent : DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/AIDVANTAGE XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i ''
Product: Credit reporting

I made a compliant to Equifax about a dispute I did not open. I did make a compliant to Equifax that when you do file a dispute they pull your credit score down during the investigation XXXX points making it hard to apply for credit during the time of an investigation that can take 30 -60 days. Instead of taking in the compliant to let them know they need to change that system because it is not fair to the customer. Equifax did a dispute without my consent during a time I am looking for funding. Because of what they did I can not apply to until they update the system because it pull my score down making it to low for me to get funding. I was at XXXX before the did the dispute and now it is at XXXX. I ask them to cancel dispute on XXXX XXXX, when I notice the change in my account I have with Equifax membership they told me it would update in 24 hours that would have been on XXXX, XXXX and it was not updated or cancel. I waited until after the XXXX holiday on XXXX XXXX, hoping it would have been updated still nothing. I called and spoke to a supervisor and ask why did n't my dispute get cancel and she said it was done wrong and she will do it the right way and it will take 24 hours to update. So on the XXXX XXXX, it should be update and still no change. I call in again on the XXXX XXXX, and they told me dispute was cancel but there is no change in my report or score. It is now the XXXX XXXX, and I still do not see any update on my credit showing the dispute was cancel or the score was changed. This is complely destroying my business and my life. I can not get the funding because of it. All I ask was to stop the dispute so it can go back to XXXX instead of XXXX. And they will not do it. They keep on blaming the machine but soon as they did a dispute my score changed right away. Soon as they cancel a dispute 9 days later still no changes. This is so one sided I am so stress out from this is destroying my life. All I ask was to cancel a dispute that I did not ask Equifax to do in the first place but I am the one suffering from it. I attach proof of score change, alerts with dates attached to it proving what I am saying. Please tell them to update my report showing the dispute was cancel or I going to go out of business without funding. I feel like they are punishing me from filing a compliant against there system. 
Before dispute XXXX, After XXXX and now still XXXX XXXX still XXXX. And the alert showing when and what account that got disputed by them.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation.I would like this item immediately re-investigated.The inaccuracies are highly injurious to my credit score Account name XXXX Account number XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit card or prepaid card

I filed a dispute claim on XX/XX/2022, regarding the merchant XXXX XXXX XXXX XXXX. The management made an unauthorized charge on my Barclays Visa Card without my knowledge or consent for guests that I did not authorize. I called and emailed the manager regarding the charges but he did not provide a resolution. The total amount of the unauthorized charges is approximately {$1100.00}. 

I filed a complaint with Barclays Credit Card on XX/XX/2022. I received a letter on XX/XX/2022, which stated, " Unfortunately, we're unable to pursue credit on your behalf for this particular transaction ( s ) for the following reason : We were not provided with proof of paid by other means. I do not understand ( paid by other means ). 

I provided Barclays with emails regarding how I was paying for the rooms for my XXXX XXXX and XXXX Celebration. I did everything within my control to reach out to the hotel several times regarding what I authorized on my Barclays Credit card. A Barclays representative told me I should have not given them my card number. If you asking for service from an establishment it is required to give your credit card to hold the rooms. 

Seven of my guests ' rooms were charged to my credit card. I had approximately 43 guests from several states who paid for their rooms with their credit cards. I book 10 rooms for my guests. Five of the rooms were booked for my brothers and, I authorized my card to be charged.

I want Barclays to remove the {$1100.00} from my account. XXXX XXXX XXXX XXXX is charging me for their incompetence.