23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Don't trust TD Bank. 

I will keep this concise. 
I applied for the forbearance program at the start of the pandemic seeing as I had a new job and I didn't know how the company would handle the transition. I never used it. I kept up with all my payments. 

Sitting at 5 % I apply to another bank for a lower rate. Once they were ready they were not able to buy the mortgage because of my forbearance status. 

I call TD Bank around late XXXX/XXXX. And they remove me from the program. Reporting it will take 30 days to have it report properly on my credit. 

For 3 to 4 months the other bank was unable to buy the mortgage because TD bank did not update my reporting with the credit bearau properly. 

They even mailed me an apology letter stating that " Sorry we messed up on your credit ''. 

This cost me a XXXX dollar appraisal fee because it only lasts 3 months and now I need to pay for another and there is the difference of XXXX dollar monthly payments so I am out XXXX  of dollars. 
During this time something happened where my dad was forced to retire and we needed to wait months for a new mortgage with his retirement funds. 

So I am sitting here paying thousands in Interest on a mortgage I was unable to have at another institution because TD miss reported my credit. I've been trying to solve this for a year and no one calls me back despite them ADMITTING they messed up and they will resend the policy letter. 

They entrapped me to a mortgage and made me unable to transition to another bank locking me in higher payments.
Product: Debt collection

I noticed a debt on my credit report, so I contacted the company and wrote a letter disputing the debt as not a valid debt. I waited the 45 days they stated it could take to resolve or investigate the debt, but never received any media from the company and has now taken almost XXXX as long as they company stated and still have not received any letters nor have they removed this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXXXXXX Balance : {$65.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX.
Product: Mortgage

SunWest Mortgage is receiving XXXX loan # XXXX and not reporting to XXXX, XXXX & XXXX as well SunWest refuses to send me my monthly Mortgage Statement and without my permission enrolling me in paperless billing and making it difficult for me to send in my payment they are taking ever avenue to direct me in auto-pay I REFUSE TO GIVE THEM PERMISSION TO AUTO WITHDRAWAL FROM MY ACCOUNT in lieu of my refusal there making it difficult to manage my payments and there not reporting history.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 



XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " LVNV Funding LLC '' under account number xxxxxxxxxxXXXX. LVNV Funding has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date LVNV has failed to provide the information requested. LVNV is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately. LVNV Funding has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that LVNV Funding has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that LVNV currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, under 15 USC 1692 C, the law clearly states Consumer notifies a debt collector, the consumer refuses to pay a debt, the debt collector must cease all communication
Product: Debt collection

I received an update from my credit report that alerted me a new debt was now on my credit report. The debt says it is from Pmab , LLC from a XXXX XXXX XXXX XXXX for {$280.00}. I never received anything from XXXX XXXX XXXX XXXX   disclosing any information about a debt, I also never received anything from Pmab LLC disclosing any information concerning a debt associated with XXXX XXXX. I tried to call Pmab LLC on XX/XX/XXXX, I let them know this was not a debt I owed, they kept telling me who it was from and I stated I haven't been to a XXXX XXXX XXXX XXXX. That got me no where! I've attempted to have this information sent to me via email or mail with no results. Even IF I had ever went to an emergency room or Dr visit, my insurance has a copay, I pay the copay that is on my insurance card and nothing more ( unless it's a prescription ), this {$280.00} doesn't add up to any copay or visits. They say it is from XX/XX/XXXX, why have I never received anything until it alerted on my credit with false information?! It sounds to me as if they're trying to just get money which is not owed to them.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

expehrian not corrected balances on 5 of my credit cards, and will not except a dispute
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Identity Theft and Failure to Remove Fraudulent Accounts Dear CFPB Representative, I am filing this formal complaint against [ Collection Agency/Credit Bureau ] for failing to block and remove fraudulent information from my credit report, despite multiple requests and supporting documentation proving that I am a victim of identity theft. 

Details of the Complaint : Consumer Name : XXXX XXXX XXXX XXXX Number : * -- XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Identity Theft Report Number : XXXX Report Number : XXXX I have been a victim of identity theft and data breaches that resulted in unauthorized accounts being opened in my name. Despite multiple attempts to rectify these fraudulent accounts, the credit reporting agencies and creditors have failed to comply with federal laws protecting consumers from identity theft. The following violations have occurred : Failure to Block Fraudulent Accounts ( Violation of 15 U.S.C. 1681c-2 ) Failure to Provide Method of Verification ( Violation of 15 U.S.C. 1681i ( a ) ( 6 ) ) Failure to Safeguard Personal Data ( Violation of 15 U.S.C. 1681b ( g ) ) Failure to Ensure Accuracy in Reporting ( Violation of 15 U.S.C. 1681s-2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like for these accounts to please be removed because these are not my accounts.. 
Remove all fraudulent accounts immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX for XXXX Collections USA for {$6100.00} XXXX for {$530.00} and {$390.00} XXXX XXXX  for {$110.00} Please remove accounts these accounts are not mine.
Product: Debt collection

Mountain Land Collection Agency, " XXXX, UT '', has garnished my wages for a medical bill and now they have sent a collection notice for the same bill that I have been garnished for. I have called this agency and asked if there was any more dept, they said they could not find any. This agency has a reputation for trying to collect on a debt twice. Being dishonest. Please help.
Product: Credit reporting or other personal consumer reports

I disputed a item on my Chexsystems report and it was denied by the XXXX XXXX and I dont owe this amount and paid off the balance in full on XX/XX/scrub> 2025 and I need to have the dispute reopen again and I have the receipt to prove I dont owe this balance on my Chexsystems report XXXX And I called the XXXX XXXX but they are giving me a hard time and its been almost month and the payment has clear. I will take legal actions if this aint fix by two complaints. We send this payment to there law firm for us XXXX Chexsystems id XXXX
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Where is my sign hippa release form? Also my sign financial responsibility form for the medical practice? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Debt collection

On XX/XX/XXXX, I mailed a Certified Letter to Jefferson Capital Systems , LLC, to the address listed on my credit report. The Certified Letter was returned to me on XX/XX/XXXX, with insufficient address. 
As defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesnt belong on a credit report, so this information is not accurate! By IRS rules, any debt or charge-off is classified as income. Reporting reporting this is incorrect. According to 15 USC 1681 s-2, Account Name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate information. I am requesting that you delete this inaccurate information from my report right away. **15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** A person shall not furnish information related to a consumer to any consumer reporting agency, if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. In summary, Ive shown you that this information is wrong, and you have been notified. Keeping this inaccurate information on my report violates the Fair Credit Reporting Act and your role as a credit reporting agency. Please delete this incorrect information from my report immediately. Thank You.
Product: Mortgage

when you are deliquent with Flagstar they make it difficult to make payments as you are not allowed to use online payment services or make it through the by phone without talking to someone. However they keep you on hold and if you have to get to work for fear of losing your job you are not able to stay on the phone. I did request assistance prior to this in 2020 and was told while i was in bankruptcy that there was nothing they could do as they had to speak to my bk attorney which is not what my bankruptcy attorney handle. I had to file bk the last time and as my employment has reduced my income due to the job maket i am trying to do the best that i can to keep my house but Flagstar makes it increadible difficult.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Recently my  XXXX   XXXX   XXXX  mother fell and   XXXX   her   XXXX   in three places, while she was in the hospital her tax refund cam e ( she is still in the hospital ), she signed it over to me and told me to pay her rent with it. I endorsed it and deposited it in my Chase account. Several days later I get a letter from Chase telling me that they have restricted my account and  plan to close it because they were unable to verify my mother 's signature. WHY would this problem warrant shutting down my account that I have had for over 20 years? My mother is in the hospital and they could easily call the hospital to speak with her but they insist on me getting a letter from the hospital stating that she is there AND on top of it I have to pay for a notary to go to the hospital and have it notarized then take it to a branch. I am beside myself that I need to do this, I have been given no reasonable options and I am dealing with some very emotional issues regarding my mother 's future. Their solution is unreasonable and causing me a tremendous amount of distress at a difficult time.
Product: Checking or savings account

I was forced to use an ATM in a rather rough part of the city that I reside in one day back in XXXX of last year. It was only a few days after the XXXX holiday. The date in question is XX/XX/2021 to be exact. I was unsuccessful in withdrawing funds due to internal atm error, and I have the receipt to prove it. I contacted my bank and informed that funds that I attempted to withdraw were never dispersed, yet the funds that I attempted to withdraw were still subtracted from account as though funds were dispersed. I was totally shocked that this happed and the Bank was quick to reimberse my account. A few weeks after my bank ( Chase ) subtracted the funds following a more thorough investigation. Again, I had to suffer being violated of having money stolen from, once from the sketchy atm and a 2nd time by the bank that was supposed to protect me. I have lost all trust in storing my money in banks. I didn't know where to turn, so I just decided to start here.
Product: Mortgage

Deed/Title issue fraud alert = release of mortgage doc found i am the heir of this property Loan No : XXXX XXXX XXXX XXXX XXXX ) Prepared by XXXX XXXX First American Mortgage Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ph : XXXX Parcel No= XXXX Address : XXXX XXXX XXXX XXXX Property Type = XXXX This is fraud. The owner deceased as of XX/XX/XXXX and I am the heir ( XXXX XXXX XXXX ) XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting this also to the courts as well. Probate court date set for XX/XX/XXXX. 
Work info above I can be reached at this address. This XXXX XXXX XXXX XXXX is a scam and fraud. 

From : Heir of estate XXXX XXXX XXXX
Product: Checking or savings account

I signed up for MoneyLion ( XXXX XXXX XXXX ). I was informed that my bank card was mailed to me on the XX/XX/18. 
via email. On the XX/XX/18, the Moneylion team sent me an email promotion about 12 days of Giving. The email stated/advertised the following. 

Hi XXXX, Want up to 2,500 points and 12 ways to win {$5000.00}? 

Then you'll love our 12 Days of Giving! Each day, we'll offer a new way to get points and enter to win a {$5000.00} gift card. Make sure your MoneyLion Visa Debit Card is activated and funded, because 12 Days of Giving starts soon! 

Learn more about MoneyLions 12 Days of Giving here. 

I was like this is a very cool promotion and very excited to be an member of this new and upcoming bank. So I waiting and waiting, checking the mail everyday. Then, I realized my bank card never came, so I couldnt activate my card and participate in the promotion they advertise. I sent Moneylion an email, letting them know I never received my card. Its XX/XX/2018. I still dont have my card til this day. I missed the promotion and I dont even know if this is a real bank or if they advertise this promotion to just get my information. I requested to speak to a supervisor and still waiting for a supervisor to email me back.
Product: Checking or savings account

My Apple Saving account ( by XXXX XXXX ) was under review since XXXX, today is XXXX. I provided all information the bank requested and today I just figured out my account was locked instead of under review. I can no long withdraw or see past transactions.
Product: Checking or savings account

On XX/XX/20 I went to the XXXX XXXX Wells Fargo ATM machine in XXXX CA and requested {$200.00} cash withdraw. As I arrived I noticed a XXXX truck servicing the ATM machines, this site is at a former bank location and now is ATM only. Not knowing if the machines would be in service I proceeded to make my transaction and the machine appeared normal, no " not available at this time '' notices. I inserted my card, entered my pin and made a selection from the normal prompts. In this case I requested {$200.00} cash withdraw. As I took the cash out I though " this feels like more than {$200.00} '' when I counted the cash it was in fact {$400.00}. I though the machine malfunctioned as a result of something the XXXX people were doing. I have never taken more than {$300.00} and though {$300.00} was the maximum withdraw per day. As I was on my way to work and there is no actual bank at this location I figured I would access my account online after work and see if {$200.00} or {$400.00} was deducted from my account, to my dismay I discovered the bank claimed I had withdrawn {$700.00}. This is 100 % not true!!!!! I called the bank and told them the story, they said they would look into it and gave me a temporary credit of {$300.00} while they did there research. They then notified me there was no error on there end and took my {$300.00} back. So I tried to get some help from my local branch XXXX XX/XX/20 XXXX who requested to reopen my claim, then I was contacted by phone XX/XX/20 and told the claim was denied and it would not be investigated any further.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$98.00} XXXX XXXX XXXX XXXX Balance XXXX {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$2400.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I was a loyal Chase credit card customer for almost a decade. In XX/XX/2016 I left my job and it took me two months to find a new one. Chase has been repeatedly calling me - I find several messages on my caller ID every day. 
When I landed a new job, I spoke with Chase on XX/XX/2016 and informed them I was starting a new position and I would be able to catch up XX/XX/2016. The person on the phone said he 'd note this, and the calls would stop. 
The calls did not stop : on XX/XX/2016 I answered the phone and was again told I was late. When I asked the person on the phone if there was a record of my previous conversation, she said there was but " company policy is to call every five to seven days to see if anything has changed. '' This is absurd : I informed them when I could pay them, there 's no reason for them to be constantly calling me when the date has not passed yet. 
Chase needs to follow through on what they promise : if I 'm told the calls are going to stop, they need to stop until the date payment was promised has passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting two credit cards on my account. I did not give these companies my social security number or permission to use and share my information. They have violated my rights under XXXX5 Y.S. code 1681 ( A ) PLEASE NOTE THAT THE COMPLAINTS NUMBERS : XXXX, XXXX, XXXX, BELONG TO ME. THE SYSTEM BOUNCED MY NAME TO XXXX XXXX BUT WITH ALL MY OTHER INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to Equifax and XXXX a collection/chargeoff in the amount of {$1200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I ever in the past had an account with XXXX. This account is fraudulent and needs to immediately be removed from my credit report. I have attached a copy of the Fraud Affidavit I filed for reference. I have contacted XXXX as well as the bureaus to dispute this and get this line item removed however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.