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

Transunion had to addresses I never used or lived in and reported numerous items I disputed it and want to ensure that the correct information is reflected on my report. Thank you.
Product: Checking or savings account

This problem is with TD Bank. They advertised that I would receive a {$300.00} promotion bonus for doing direct deposits of {$2500.00} in the first 60 days which was done. I opened the bank account on XX/XX/XXXX. The qualifying direct deposits were completed on XX/XX/XXXX. 

The transaction types were described in their statements as DIRECTDEP. Now TD Bank claims that these do not classify claiming that they were bank transfers. I think TD Bank is not honoring its advertisement promises. 

Please make sure that TD Bank honors its commitments and that other customers are not ripped off. 

Thanks XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received many pre-approval offers from this company so I decided to apply to increase my already credit score of XXXX, On XX/XX/2021, I applied on-line and received a pre-approval for {$7500.00}. It asked me to upload a driver 's license ; front and back and a headshot. However, I could not do so from my computer using my iphone so I called customer service for their assistance. They told me that I could email those documents and use my landline number for identification as my new cell phone number was not on file. No problem! Upon request, I supplied my last 4 of my SSN, birthdate and full name before any discussion began. 

It became necessary to upgrade my XXXX because it had no available storage and was malfunctioning so I ordered a new XXXX XXXX which was received on XX/XX/2021 and I submitted requested documents as stated above. 

On XXXX, XXXXXX/XX/XXXX, a call was received by their agent on my landline to inform me that my application was being declined because my cell phone number on file does not match the cell phone number on my credit report. I was completely taken aback. Before our conversation proceeded, I provided my full name, last 4 numbers of my SSN and birthdate. I already have a consolidation loan with them which is in good standing. I informed her that she just called me on my landline. I was pre-approved based on my credit score and income. What is really going on here? It seems as soon as they see my picture ID of a XXXX woman, everything changes. But, I wanted to give them the benefit of the doubt, so I logged on to XXXX XXXX and changed my cell phone number on record and reapplied that date ; XX/XX/2021. I spoke to a consultant named XXXX over the phone after I sent documents to make sure they were received and asked if my phone number situation was a problem and she replied I don't see anything wrong with your phone numbers. I said " Thank you '' and we hung up the phone. 

On XX/XX/2021, I called because I had not heard anything from them about the new application of XX/XX/2021. I was switched around, treated disrespectfully by one consultant in particular and, after waiting at each station at least 15 minutes on hold, I was finally told that I am being declined again because of my cell phone number. 

I reminded them again that I already have a loan with you in good standing, I have a XXXX credit score, I have stable retirement income, I sent appropriate up to date identification to include facial and, every time I speak with anyone, I am able to provide my last 4 of my SSN, date of birth and full name, etc. You contacted me last time on my landline so you know who I am and I have been identified in every way possible. It seems my photos are what changes things from pre-approval to declined. Please look into this for me please! I feel I am being discriminated against because of my race.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX DC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than XXXX years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Checking or savings account

I have sent in a police report and and and my company prove that date i have work but they not response the metter
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Subject : Dispute Regarding Willful Non-Compliance with Compliance Standards Dear Experian, I am writing to formally dispute information on my credit report regarding willful non-compliance with compliance standards. Upon reviewing my credit report, I discovered inaccuracies and discrepancies that are negatively impacting my creditworthiness and financial standing. 

These inaccuracies are not only damaging my credit score but also potentially violating consumer protection laws and compliance standards. I request that you conduct a thorough investigation into these matters and provide a prompt resolution. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. Therefore, I expect you to take immediate action to rectify these errors and update my credit report accordingly. 

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to address my concerns. You may contact me at the above-listed contact information if you require any further clarification or documentation. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

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

DEAR, EQUIFAX I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME )... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights : - XXXX XXXX  Acct # XXXX - XXXX XXXX XXXXk Acct # XXXX - XXXX XXXX  Acct # XXXX - XXXX Acct # XXXX - XXXX  Acct # XXXX - XXXX  Acct # XXXX - XXXX Acct # XXXX - XXXX  Acct # XXXX - XXXX  XXXX Bank Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX - XXXX XXXX Acct # XXXX 15 U.S.C. 1681 Section 602A states, I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Dear Barclaycard I received two letters from your company dated XX/XX/XXXX claiming that you never got my payments Those payments was mail Two weeks ago I enclosed a check from my XXXX XXXX checking account Check Numbers XXXX and XXXX I enclosed the account Number XXXX and account # XXXX I'm not sure as to why you saying you haven't got them! Since the account was closed I do not have a way to make payments On Lines could you please check your records and verify that I enclosed the correct account numbers for the accounts also if you could please send me a copy of the full account numbers for both card as I know longer have the cards to verify the account number I'm sorry for any inconvenience this may have caused I will be more than happy to call into your payment line and submit another payment But I know it was mailed 2 weeks ago today
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
1. XXXX XXXX L 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following items as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I purchased a XXXX garage door through XXXX. The installer XXXX XXXX XXXX installed damaged panels instead of alerting me to this and installing non-damaged door panels. Furthermore, even by their 3rd visit they still did not install the door hardware or even use the proper bolts, and they damaged the framing of my house too. 
Some how XXXX, my credit card issuer, has ruled in XXXX 's favour even though XXXX never even sent in any documents! I though sent in 2 letters with photos of the damage and lack of door lock, handle and kickplate! I was told by USAA that I can have the case re-examined by receiving a phone call from the Disputes Analysts assigned to my case ; I said fine as long as they do not call my on my XXXX ( sun down Friday to sundown Saturday ). Lo and behol they call me on my XXXX ( Friday XX/XX/XXXX at XXXX )! The Disputes analyst left me a vm with her call back number and extension. BUT the phone number she left has a system that can take extensions of only XXXX numbers! I called the regular USAA ph number and that rep gave me the direct number to the disputes department. Calling this number I was indeed able to put inthe whole XXXX digit extenson number but every time i call i get her VM and no return phone call!!! 
XXXX | XXXX | XXXX My current call log : XX/XX/2017 - left vm @ XXXX XX/XX/2017 - left vm @ XXXX XX/XX/XXXX - left vm @ XXXX & with general VM too USAA is constructivly ignoring me and enying my my contractual rights.
Product: Debt collection

Ability recovery services reported to my XXXX account. I was never notified of debt owed prior. It was reported on XX/XX/2023
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

So on XX/XX/XXXX I made a payment for {$290.00} on Aidvantage my username is XXXX. I got a confirmation email and everything for that payment right after I paid. Days after that " payment '' I still made sure I had more than XXXX in my account in case the payment didn't go through straight away. Today I login to my Aidvantage to see the same day XX/XX/, my payment for the loan was reversed. I never requested for a refund or a reversal as that makes no sense. Also, the " payment reversed '' statement was never loaded onto the site in the last couple of days as I logged in each day to see if my payment went through. Today on XX/XX/ is when I finally seen the " payment reversed ''. Sure enough, I searched this problem up on XXXX and I see many people facing the same issue. Now when I'm on Aidvantage my payment is for $ XXXX instead of my usual XXXX thanks to this issue within the site.
Product: Debt collection

An affidavit has been provided, all three credit bureaus have removed, the original creditor has let it go, when cavalry bought the debt it was going through a fraud claim, yet they continue. They continue to send some bills stating its verified. You cant verify fraud that has been released by all the credit bureaus, the FTC has report of, cavalry has acknowledged it was under fraud investigation, and the original debtor knew about fraud. Cavalry was reported for harassment by the phone call method in attempting to collect this fraudulent debt. They refused to listen when I told them it was under investigation but insisted I pay now that everyone has let it go they still are attempting to collect on a fraudulent debt. They are sending bills attempting to validate fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewed my files, I notice a XXXX Checking and Credit Account open under my information without authorization and permission, I notice there is predatory practice by the institution to incurred a large amount of transaction in the balance of {$1600.00} and keep incurred hidden fees without my permission and acknowledgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I own a house in XXXX that is my primary residence. In the fall of XXXX, my mortgage servicer at the time XXXX XXXX XXXX called me unsolicited and offered me a 6 month forbearance on my mortgage payments due to a hurricane that had just come though. They said that they were offering this deal to ALL Florida customers. I specifically verified that this would have no adverse effect on my credit report. I also specifically verified that at the end of the 6 months XXXX would recalculate things to put the 6 payments on the end of the loan. I can only assume that XXXX recorded that phone call. 

XXXX sent me a Forbearance Agreement to sign. Before I signed it, I called them back about the verbiage that says All payments postponed during the Payment Break Period must be repaid. They said that all payments would need to be repaid but that they would be repaid at the end of the loan. Although I found the verbiage somewhat ambiguous, I trusted that what they were telling me would be accurate. 

Fast forward 6 months to XX/XX/XXXX when I called XXXX to see what my new payment would be with 6 months of interest added to my principal balance. They told me that I would have to apply for a loan modification. I told them that this was NOT what they had described to me 6 months prior. They told me something to the effect of yeah, we screwed up when we told you that, but dont worry about it and just apply for the loan modification. Even though I am paraphrasing, I am 95 % sure that they used the EXACT phrase we screwed up. I again confirmed that this would have no ill effect on my credit, and they concurred. I can only assume that XXXX recorded this call as well. 

Fast forward to a few weeks ago, and I ran my credit just to make sure there was no fraudulent activity of any type, and I see that XXXX was reporting me 4 months late on my mortgage payments in XXXX XXXX once my forbearance period ended. This is making my credit score significantly lower than what it would otherwise be, and has caused me to financial harm. 

XXXX has since transferred the servicing of my loan to XXXX who then later transferred it to XXXX XXXX / XXXX. I called XXXX and my phone conversation was unnecessarily adversarial on their part and went nowhere.
Product: Mortgage

XX/XX/XXXX XXXX XXXX  sold out loan to XXXX XXXX, their loan servicer, bayveiw, was to start servicing after XX/XX/XXXX. Our loan payment was {$280.00}. On XX/XX/XXXX we received a letter from Bayview stating we owed {$860.00}. We didn't. XX/XX/XXXX a letter asking for completed financial statment. Confusing! XX/XX/XXXX letter says we owe {$570.00}, formal demand, notice of default, intent to accelerate! This went on through out XXXX. XX/XX/XXXX XXXX XXXX XXXX a bill collector for bayview, said we owe full amount of loan, {$16000.00}, or foreclosure. XXXX we received a money order back, {$600.00}, that payment put us over what we owed!! I did not understand, we received letters from Bayview several times a month, every month! They put us in foreclosure court, we answered. We filed modification, they foreclosed! The same thing through modification. Then second chance. I mean, we couldn't get a break from them. They couldn't even do automatic withdrawal. I sent a complaint, answer, XX/XX/XXXX, and still no reply what they are doing. My wife is on meds for XXXX and XXXX, and I am pulling my hair out. Not many problems until Bayview took over. We took out the loan in XXXX, 15 year loan for {$25000.00}, with interest and loan costs, almost {$52000.00}. 11.3 % interest, don't want to lose our home to these incompetent home stealers, I'm XXXX, my wife is having XXXX XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I did a mortgage refinance with XXXX and the loan would be serviced by The Money Source, starting from XX/XX/2021. I transferred {$3600.00} to The Money Source on XX/XX/2021, immediately after the loan close, to pay down the principal. 

I got a letter from The Money Source, dated on XX/XX/2021, stating the loan would be transferred to another servicing company, effective XX/XX/2021. I checked my loan information with the other company, it turned out that The Money Source had not transferred my principal payment. 

I called them several times, trying to resolve the issue. They told me the fund would be transferred by XX/XX/XXXX, and when that didn't happen, they told me it would take another 60 days, from XX/XX/XXXX, to transfer the fund.