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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 by 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 inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

My comp any has a Small Business Acc ount with  TD  Bank and I believe their banking practices are deceptive.     Pag e ( 1 ) On  X/XX/17  a  deposit of {$1500.00} was put in the " CASH '' column and ALL the funds were shown as " Available '' in the " BALANCE COLUMN ''.   Page (  2 )  On the morning of   X/XX/17     I personally cashed check #  XXXX  for {$500.00} at the  TD  branch in  XXXX   XXXX , FL and the teller never indicated the funds were not available.     On   X/XX/17  I  logged on to my TD account and noted the overdraft of {$140.00} ( date   X/XX/17     ) and my check #  XXXX  for {$500.00} clearing on   X/XX/17     with a balance of {$740.00} ( balance was {$1200.00} BEFORE  TD  took the {$140.00} overdraft ).     I called  TD  's  XXXX  number on   X/XX/17  a nd initially spoke with the first person that picked up, then after an extensive conversation was switched to a manager. I do not recall their names. I told the Manager I believed they way TD reports funds is a fraud and why do they not list all deposits ( except cash ) as " Pending ''. She gave me the 'typical ' answer about only giving {$100.00} credit and that all checks need a day or more to clear. I already knew that ... but if it had been a cash deposit funds would be available immediately.     There were no 'brackets ' around the overdrawn items ... {$140.0 0} (  {$35.00} per item.  ) Page ( 3 )  O n  X/XX/17  (  my printout of   X/X/17     ) the  TD Manger agree d to refund the {$140.00} charge. Note that on   X/XX/17   there was another deposit of {$1700.00} put in the " CREDIT '' column, but again it 's really not a full credit because the deposit was a check. However their printout shows that ALL of the funds were available.     I believe this is a very deceptive practice on the part of  TD  Bank to print the fact that the funds are available when they are not. Any funds deposited, with the exception of cash, should be indicated as " PENDING '' and not make their clients guess when deposits will actually clear. Now I am forced to add up all of my charges and make sure something has been added to the " Todays ' Beginning Balance '' page.     Each time my  Manager  deposits a check I now need to call him to see if it 's cash or a check. I do not operate in our  XXXX  office and my Manager many times is on a job and unable to take calls.     How difficult can it be to say "  PENDING  '' ... in my opinion ... very deceptive and of course more funds for TD.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXXXXXX XXXX, Reporting {$870.00} Charge off XXXX XXXX XXXX {$1000.00} Collection XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$20.00} Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX  Experian and XXXX  several times dealing with this issue. I asked for each Bureau to do an internal investigation which takes only 3-5 days but it seem that the only thing that they all decided to do was send me a letter stating the inquiries were verified. There is no possible way any errors can be found as verified. I asked for validation and also any documents bearing my signature 30-60 days ago and there was no change to my credit and no documents sent to me but a bogus verified paper. Experian XXXX and XXXX   has blocked my credit file without my consent several times and used my credit profile to place errors on my credit file making it difficult for me to apply for a home loan. I mentioned this to the rep and she disregarded every word I said to her so now Im forced to take legal actions which I have filed a lawsuit against all three credit bureau and its in process. I have attached the inquiries that are reporting on my credit report as an error and I demand that the inquiries listed and the error addresses be removed by the weekend, if not Ill go back down to XXXX XXXX County Courthouse and file another lawsuit seeking {$10000.00} for damages. I was suppose to purchase a home but my credit file was locked and blocked from creditors seeing my score and information so I have to wait for a few months. Im just sick and tired of the bs and I will definitely make sure that all three bureaus receive this message.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020, I received a copy of my credit history report from Experian. That report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Fl XXXX
Product: Bank account or service

This past XXXX 2015 I opened a checking/savings account at Bank of America XXXX XXXX branch ... the representative who opened the acct told me I could just use my checking acct and I would be safeguarded w/overdraft protection as well. During the next few months I noticed the bank kept transferring some $ fr checking to savings seemingly at random which they called " keep the change '' which I was not told about nor did I want. In XXXX XXXX debited my acct right after I enrolled online w/my acct info when I did not have the funds, a few days later a cash advance company debited my acct for a loan after I spoke with them and asked not to as the funds were not in the acct yet ... the bank allowed these transactions causing my bank acct to overdraft {$300.00} + adding XXXX overdraft fees of {$35.00} each. I spoke with a rep to dispute the transactions and have them reversed including XXXX overdraft fee. I stated I would refuse to cover anything but XXXX overdraft fee as I was informed when it was opened I signed up for protection. They have kept the acct open now since then charging additional fees I get an email stating the acct is overdrawn at {$280.00}??? This is ridiculous ... this bank obviously has no ethical obligation or regard for its customers by ruining their credit history for their misinformation and total disregard. And I will not close this acct without them reversing all these bogus charges. I need assistance in this matter and how to proceed. I need to end this abuse on the part of this banking institution. Thank you.
Product: Mortgage

My complaint is regarding the misapplication of my mortgage payment thereby causing late payments being reflected on my record and harassing telephone calls in an attempt to collect payments and late fees. 
Upon closing my home purchase I received preaddressed mortgage payment slips. The slips were made out to Mortgage Research Center , LLC dba Veterans United Home Loans. My mortgage payments were sent via XXXX XXXX bill pay system and shows the below listed information. Payments were cashed or acknowledged by Mortgage Research Center. 

a. Sent XX/XX/2021 expected delivery XX/XX/2021 cleared XX/XX/2021 b. Sent XX/XX/2021 expected delivery XX/XX/2021 cleared XX/XX/2021 c. Sent XX/XX/2021 expected delivery XX/XX/2021 cleared XX/XX/2021 XXXX XXXX has payments received : XX/XX/XXXX, XX/XX/XXXX and XXXX not received as of XX/XX/2021. 

Approximately XX/XX/2021 I received a letter from XXXX XXXX aka XXXX XXXX that indicated future payments should be made to them. I telephoned XXXX XXXX to confirm the authenticity of the letter and was immediately confronted with questions regarding late payments and penalty fees. I began making inquiries with Veterans United and XXXX XXXX to ascertain why I should be penalized for late payments and have it reflected on my pay history. 

After a number of telephone calls and answering redundant repetitive questions from recordings and reception people I was referred to someone from Customer Service. I was advised by Veterans United Customer Service representatives that " everything '' was taken care of and my pay record would be reflected as timely. For the last couple weeks I received daily telephone calls and messages from XXXX XXXX in their attempt to collect XX/XX/2021 payment which was yet to be received ( XX/XX/2021 ). Thus far I am charged with {$92.00} in late fees and have 3 months late mortgage payments. As of that date they advised me that my record stills show the late payment and no payment for XX/XX/2021. 

NOTE : I have bank statements that show the itemized information above. The documents could not be attached to this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine 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 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 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 XXXXXXXX.
Product: Debt collection

Credit Collection Services in XXXX, MA keeps sending me letters to me address saying I have an outstanding payment with my electricity company ( XXXX ). I have always paid my bills on time, I checked my account still and I have nothing due, and I even called customer service representative at XXXX to confirm there is nothing due for my account. This Fake collection service keeps sending me these letters saying I owe {XXXX} and are asking to mail them a check or pay through their website ( not XXXX website ). I XXXX this place and there are multiple XXXX reviews saying it was a scam.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was concerned to find several inquiries from your company that I do not recognize or recall authorizing. These unauthorized inquiries have caused me considerable stress, as they are negatively impacting my credit score.
Product: Mortgage

We were on the forbearance program due to being severely impacted by XXXX including multiple battles with XXXX and deaths in our family. We applied for assistance from the Haf program to help get us back on track. The mortgage company kept saying that this was new to them and was working things out on the back end to be honest there is over a year and a half of back and forth and miscommunication from the mortgage company. The mortgage company continued to stall and so much time went by that amount had exceeded what the haf program was able to pay in full. Haf was able to put us on a partial payment of XXXX and the mortgage company told us that they would take the rest and put it to the end of the loan once Haf paid as they did do a partial claim but told us not to sign it because it was wrong because they didnt include the XXXX from Haf that has not been paid yet and told us that once haf paid that they would update the paperwork and we would be good to go. That did not happen. They put our house on auction and didn't even give us a notice. We just so happened to find out when we called again to check on the status. We have been calling them and they have been stalling on fixing their mistake and giving us the run around and whole time they still have our home up for auction.
Product: Debt collection

Upon reviewing my credit report I discovered an account by Transworld in Collections. 


I have mailed them XXXX letters requesting to send me proof of an originial contract for the alleged debt. I have not been provided the original contract. 

I am not liable for this debt with Transworld Systems Inc. I do not have a contract with Transworld Systems , Inc, they did not provide me with the original contract as requested.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute several unauthorized hard inquiries that appear on my Experian credit report. These inquiries were not authorized by me, and they are negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure only authorized and accurate information is reflected on my credit report. 

Below is a list of unauthorized inquiries I am requesting be removed from my Experian credit report : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

There was a point where I lost my wallet. My wallet had a lot of valuable and personal information in it. I started to notice accounts that were negative reflect in my credit report that I had no idea and that do not belong to me. Since I have lost my wallet, I have also been in my personal information and data Were involved in various data breaches with XXXX and XXXX. I am not aware of this debt nor where it came from. The debt is listed below ( Colombia debt recovery LLC DBA Genesis ) Amount {$3800.00} Date assigned XX/XX/year> This debt is a result of identity theft. Please provide any and all and all proof that this is 100 % accurate beyond a shadow of doubt. I need receipts and signatures and full statements because I am not aware of this debt
Product: Debt collection

To whom it may concern : I had a problem with XXXX. I had family members on an account and we had trouble understanding each other when it came to the responsibility of paying the bill. I decided to cancel The account after not having the & to pay the bill monthly. Some phones were still under leased which made the bill super high. Intent phones were paid already. By the time the account was canceled the company sent me to the corporate office to return the phones still under leased. Thats where all began. No one was able to find my account and I had a HUGE bill. I went to three corporate offices and the account was nowhere to be found therefore they couldnt take the phones to credit the account. Few weeks after that I received notification XXXX sold my account to XXXX and they became my debt collector. After many interactions with them, they also sd they couldnt take the leased phones to credit the account and after scary talks about how this situation was going to harm me in the long run credit I worked a payment plan. I agreed to pay them the attached receipts. It wasnt until They took $ out of my bank without one of the agreed dates that I called and sd I no longer can trust them and no longer had $ to pay them. If they wanted to agreed on a last amount which I was going to do at that moment and thats it. The representative sd thank you and she was going to note the account. 
Them I started working with a credit repair company which is helping me with my negative items on my account and after I thought this situation was settled it happens that another company has the account. I Settled this account at whatever I was able to pay. Now this company is hurting my possibility of restarting my credit. Just bc XXXX did me wrong after being a customer for over 18 years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX [ XXXX, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Consumer Financial Protection Bureau XXXX I am writing to formally dispute inaccurate information reported on my credit report related to an account with GM Financial XXXX After carefully reviewing my credit report, I have identified several inaccuracies that I believe should be corrected, resulting in completely removing this debt from my credit report. Below are the specific details : XXXX. Account Information : Creditor Name : GM Financial Account Number : XXXX Date Opened : XX/XX/XXXX Charge-Off Amount : {$23000.00} XXXX. Inaccuracies : Reported Balance : The current balance is listed as {$10000.00} as of XX/XX/XXXX, which conflicts with the account being charged off as stated in the remarks ( Profit and Loss Write-Off ). Once an account is charged off, there should not be a remaining balance reported unless updated appropriately. 

Payment History : The payment history reflects inaccuracies, showing missed payments after the account was closed on XX/XX/XXXX. It is not possible to report payments as missed after closure. 

Remarks : The remarks indicate a Profit and Loss Write-Off, yet the balance and payment activity are inconsistent with this status. 

XXXX. Request for Action : Delete the account off of credit completely for the account was already written off and paid as a profit loss charge off by the company therefore the company was already paid for this debt. 

Verify the profit loss charge-off information with GM Financial and delete the record from my credit report completely. 



I have attached supporting documentation, including screenshots from my account records, for your reference. Please investigate this matter promptly under the Fair Credit Reporting Act ( FCRA ) and provide me with an updated credit report reflecting these corrections. 



Thank you for your time and attention. I look forward to your response within XXXX days, as required by the FCRA. Should you require additional information to process this dispute, please contact me at XXXX or XXXX. 



Sincerely, XXXX XXXX
Product: Student loan

I got a   XXXX   XXXX    (  now Navient ) loan to attend  XXXX  College in   XXXX  . I attended about have the sessions required as the  Professor  was not perfessional and the student assistance they claimed they offered was false & they would do nothing each time I need something. I decided to cut my losses & end the program as they were useless. I want to have my loan for over {$3500.00} forgiven & deleted. The school closed as it made false promises to students deseperate for an education to be come employed. I refuse to pay for something I got no benefit from. I have called   XXXX   XXXX    &  now Navient many times as this loan has put me in debt & the interest keeps accumulating. I can not afford to pay it.
Product: Credit card or prepaid card

My wife and I have been subject to family credit card abuse. In   XXXX    2016 my wife allowed our daughter to use our Discover card for 2 rent payments. Our daughter and our estranged son-in-law used that card for other purposes, and when my wife canceled it, they originated a Discover card of their own with my wifes info and had it mailed to themselves and then they made thousands of dollars of   XXXX   XXXX    purchases, cash advances, etc. We have cancelled the Discover card at least 3 times to stop this abuse. We have filed the required Police report. We have talked to Discover over 20 times, for probably over 30 hours and they have found 'no fraud ' because of my wifes earlier allowance of the use of the card info for 2 rents.   XXXX   XXXX  ,   XXXX   XXXX     XXXX    XXXX   XXXX   have all found and substantiated 'Fraud ', yet Discover has n't. We have provided them all of the fraud transactions, and have sent them a 4 page letter detailing all of this. Every time we call the Disc. fraud dept. we get a different person, and they say they will not investigate further. 2 withdrawals totaling {$11000.00} thru   XXXX   XXXX  ,  XXXX  Pa, in  XXXX  still have n't been investigated by them, and we are fearful that pertinent information about those may be lost due to Discovers inaction. Discover disregards the fact that we canx 'd at least   XXXX   cards in a period of a few months to stop this abuse. Without this getting resolved we ca n't get our relationship back with our daughter and that is killing us emotionally!
Product: Credit reporting, credit repair services, or other personal consumer reports

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 I filed a report before and companies were suppose to freeze my credit when an application was submitted but XXXX inquiry which is new still showed up