23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a letter from TD Bank titled " Information regarding your application for credit. '' The letter states : 'We received your application for credit and appreciate your interest in TD. After careful consideration, we regret to inform you that we are unable to grant your request for credit for the following reason ( s ) : YOUR INCOME IS NOT SUFFICIENT IN RELATION TO YOUR AMOUNT OF DEBT. 

I DID NOT apply for this credit. I informed TD Bank ( they are looking into it ) as well as XXXX who are also looking into it. XXXX recommended that I also file a complaint with you.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card or prepaid card

My personal email account was hacked on XXXX, 2022. I received a notification that my tax return was accessed on XXXX XXXX the same date. I was aware my email account was hacked because I received over two dozen emails from various companies thanking me for my inquiry addressed to a weird name. At this point I changed the password on my email address. 

On XX/XX/XXXX, I received a notification through my XXXX app that someone submitted a credit card application for a Synchrony/Amazon credit card. I called XXXX and Synchrony on XX/XX/XXXX to dispute the application on the basis of identity theft. I also received notifications this person ordered an XXXX on my Amazon account with a delivery address of XXXX, AR. I was able to cancel this order. I received another notification that XXXX cancelled an order on the basis of fraud with the same delivery address of XXXX, AR. I'm receiving more emails from various companies thanking me for my inquiry addressed to a weird name still. 

Later on XX/XX/XXXX, I received another notification from XXXX that someone submitted another credit card applications to Synchrony/Sam 's Club . I called XXXX and Synchrony to dispute the application on the basis of identity theft.
Product: Debt collection

I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State. 
This is my last warning before I proceed to bringing legal action against them.
Product: Debt collection

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Consumer Loan

On XXXX, 2016, I obtained a consumer form XXXX which is being serviced by System & Services Technologies Inc ( SST ). I am unable to obtain any monthly statements that will indicate payments made toward this loan. Their website only provides basic info, such as : date & amount of loan and monthly due date for payments. Why is this company obligated to provide regular statements to it 's customers?
Product: Vehicle loan or lease

Bank Of America Auto loan # XXXX I had called Bank of America XXXX 3 times to make sure the private party purchase loan would be seamless and i was able to purchase a vehicle out of state via private party loan. I was assured all 3 times from the recorded line that the bank would handle the loan process between me and the seller. After I was assured the process would be seamless because there was nothign posted online i began with lean docs and was approved instantly because I have superb excellent credit I had seller go to bank in North Carolina XXXX XXXX XXXX XXXX XXXX  NC XXXX ( XXXX XXXX ) the representative at the bank was very Rude to Mr XXXX XXXX the seller. She took the title and faxed over the title and began to tell me the sellers English was very broken, I told her that his broken English should have nothing to do with the fact that she should simply fax the title and she began giving me attitude and told me in a very rude tone its been done and she does not have any more time for me or seller. 

I then called the XXXX # to see if the loan officer ( XXXX XXXX ) Extension # XXXX had received the fax, she began to tell me the process was completely different from what I was told over the phone 3 times before I applied, I got upset and asked to speak to her supervisor and she told me her supervisor XXXX XXXX ( XXXX ) -XXXX-XXXX would call me by end of the day. I had left several voicemails to his supervisor an his assistant dynese henderson ( XXXX ) -XXXX-XXXX and i never received a single phone call. 

End of the day saturday XX/XX/XXXX I called the XXXX # again to see status of the loan because none of the reps were returning my call and i was told that the loan was canceled. XXXX put on her notes to cancel the loan wehen i never requested for the cancellation and i told the rep that's not the case and the rep told me i needed to uplaod the title and registration. I went ahead and ask seller to provide the title and registration again digitally for me to upload the files for Bank of America to process the document. So I uploaded docs Monday XX/XX/XXXX I called the bank again since XXXX, XXXX, XXXX have not returned any of my phone calls and spoke to you XXXX XXXX and asked again what is the status and you told me the files I uploaded the registration is not legible, i almost at this point felt that there are notes now to retaliate against me and seller because I went ahead and emailed you the same exact file I uploaded and then you told me oh now we have what is needed. It was the same exact document I uploaded. I have asked when i would get the Edoc and you stated soon. Its now close to EOD and I have not still received any docs. I am going to lose out on a good deal because Bank of America is somehow retaliating and not processing something that should have been done on Sat XX/XX/XXXX. I asked to reply to this email with status since no one in the organization is wanting to give me procedures timelines when I am a platinum member and perfect XXXXredit score but i am beign ignored for notes and retaliation from Bank of America and going to lose on this car purchase.
Product: Checking or savings account

On XX/XX/XXXX, a person who had stolen my husbands identity walked into a branch of the BMO Harris Bank somewhere in the XXXX XXXX area. He tried to cash a very dicey looking check ( my husband and I have seen a copy of this check ), and was told that he couldnt have the checked cashed, but that he could deposit it into the joint account checking account belonging to my husband and me and then make a withdrawal. He then made two withdrawals totaling {$8000.00}. In other words, the bank assisted with the theft. When my husband and I learned of this illegal activity on the account, we reported it to Harris Bank. They filed a fraud charge with their department and set up a new account for us with a fraud alert on the new account. Then on XX/XX/XXXX, a person walked into a branch of BMO Harris in Indiana and cashed two fraudulent checks totalling {$7900.00}, using my identity ( despite the fact that there was fraud alert on the account ). We were actually out of the country in XXXX when this occurred. However, we found out about it when we returned, reported the theft to Harris bank, and were told that our checking account would be frozen. They assured us that no money could be taken out of the account. This was on XX/XX/XXXX. However, on XX/XX/XXXX, someone walked into a branch of Harris ( Harris did not tell us of the location of this branch ), and cashed a fraudulent check for {$2900.00} using my husbands, XXXX XXXX, identity. Mind you, this is after we had been assured that our checking account would be frozen. ( No money could be withdrawn by anyone. ) Since then, on XX/XX/XXXX, we withdrew most of our money ( all but {$200.00} ) from Harris Bank. Now, we realize that BMO Harris is not responsible for all identity theft. ( Although we do wonder if they have had a data breach that they are not telling us about. How else was our bank account information stolen? We have had no problems with other accounts or credit cards. ) But the bottom line is that they have been appalling lax about securing our accounts. A fraud alert and even a frozen account were all ignored by the personnel at the bank, as the criminals walked out the door with our money. Isnt the very essence of banking to keep the consumers money safe? Harris tells us that within six months they will complete their fraud investigation. In the meantime, though, we have lost this money, even if it proves temporary, and we are appalled at Harris Bank 's sloppiness and feel the need to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not reporting if this account is open or closed. 

That is rediculous!.
Product: Credit reporting or other personal consumer reports

This is my fiest request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$330.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$560.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXXXXXX 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 or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

Signed up for a care credit card in XX/XX/XXXX and was deceptively enrolled in " card security '' without my permission or knowledge. Could not view my account up until two months ago. Was charged an additional $ 73+/- per month for the subsequent 15 months without my knowledge. Called card security upon review of my statements who then advised me they will only refund 12 months of fees. Claiming they can not refund first 3 months of fees - XXXX XXXX, XXXX XXXX, XXXX XXXX claiming that I did not cancel within the first 90 days. I did not sign up or have knowledge of this enrollment so would not know to cancel. 

Also have been charged interest on the fees by synchrony bank, who additionally keeps closing or lowering my credit limit on every account I have with them despite the fact I have continued to make on-time payments. This has severely impacted my credit score and put me much further into debt while allowing them to raise my interest rates on all of my cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report for accuracy, I noticed some fraudulent items on my credit report. I found that I am a victim of identity theft. Someone used my personal information to obtain a student loan and to obtain a XXXX  XXXX credit card. I have tried tirelessly to get the banks to act to remove these items from my credit report but with no success. I am extremely frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are reporting an inaccurate account. The account XXXX XXXXXXXX is being reported as 60 days late when I was never late in XXXX or XXXX of 2019. I am demanding that this account is updated and the lates removed from my credit report. The credit reporting agencies are also reporting inconsistent information. How is different information reporting when all data furnished should be the same? It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Lastly, this account was transferred, and I was never late with this new company, so you need to remove the lates from my credit report. Please see the attached inaccurate report showing the different information you are reporting for the same account number. Also see the dispute letter that is dated, and time stamped. The account that I am disputing is highlighted. Update this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Dear Experian, My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 

XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

Sincerely, XXXX XXXX
Product: Student loan

I participate in the Revised Pay As You Earn payment plan for my student loans serviced by FedLoan Servicing. On XX/XX/XXXX, I received notification that I was required to re-certify my annual income and I filed a timely recertification using studentloans.gov the same day. Nearly 60 days later on XX/XX/XXXX, I received notice that my re-certified payments were calculated at {$69.00} per month. I immediately realized that FedLoan Servicing incorrectly calculated my payment and I contacted Fedloan Servicing in writing by using the form on the Fedloan Servicing website on XX/XX/XXXX. I received no response from Fedloan Servicing based on my written complaint. On XX/XX/XXXX, I called Fedloan Servicing to complain my payment had been incorrectly calculated. FedLoan servicing acknowledged that my payment was incorrectly calculated because a FedLoan Servicing employee erroneously processed my application with a family size of one rather than two, and ignored my husband 's student loans when calculating my payment. FedLoan Servicing acknowledged the correct payment amount was {$10.00} per month and agreed to correct the error. I followed up by phone three more times and on each occasion was told my payment would be reprocessed within 7-10 days. Today, XX/XX/XXXX I called again to inquire as to whether my payments had been correctly re-calculated. FedLoan Servicing indicated my payments had not been re-calculated and was told that FedLoan Servicing could not re-calculate my payment scheduled for XX/XX/XXXX because I contacted them too close to the due date and was told the issue would be corrected effective in XXXX. I repeatedly requested I be billed the correct payment of {$10.00} for the month of XXXX as required by Federal Law and FedLoan Servicing refused. FedLoan Servicing 's refusal was never based on the premise that the {$69.00} payment was correct but rather that they could not or would not fix the payment in their computer system. I still have not received written confirmation that my payments have been corrected going forward and I suspect they have not been corrected.
Product: Debt collection

I recently discovered a derogatory mark on my credit report from XXXX XXXX XXXX XXXX, which claims that I owe a debt of {$1800.00} related to my previous apartment lease at XXXXXXXX XXXX XXXX XXXXXXXX. The debt, according to the collection agency, was reported after I moved out of the apartment in XX/XX/year>. 

However, I dispute this debt, as I was never notified about any outstanding charges or provided with any move-out documentation. Despite my efforts to contact the apartment complex, including emails and phone calls, I received no response from their office. The last communication I had was via phone after I moved out, when I called the apartment XXXX to inquire about any outstanding balance. The XXXX informed me that there was no balance due and assured me they would inform me if anything else was owed. 

I forwarded the communication between myself and the apartment complex to XXXX XXXX & XXXX, showing that I had attempted to resolve the matter. In their response, XXXX XXXX XXXX XXXX stated that they would contact the creditor and investigate the issue, promising to inform me of the outcome. However, I did not receive any follow-up or results from the investigation, and despite their promise, they still reported the derogatory mark on my credit report without providing any validation or evidence of the debt, such as the original lease agreement or any move-out inspection report. 

I am requesting that this derogatory mark be investigated and removed from my credit report due to a lack of evidence and proper notification.
Product: Mortgage

re : Case number : XXXX The company is stalling and refusing to provide a SIMPLE, ONE SENTENCE LETTER, that documents the FACT ( per federal court records and VERBAL statements by the lender ) that my mortgage is NOT IN DEFAULT and that ALL PAYMENTS ARE CURRENT. 

It should not require another FEDERAL complaint to satisfy this absurdly simple request for a one sentence letter documenting my payments. 

The mortgage company is DELIBERATELY being unresponsive and uncooperative. They do n't want me to have the documentation. If they did, they would n't be making such a big deal about it. AND STALLING STALLING STALLING or flat out REFUSING to provide even a simple, one page print out -- -- like they have done every time I have asked for anything from them.
Product: Mortgage

In XXXX I applied for a modification with Mr. Cooper and instead my payments went higher. Instead of helping me they put me further in. During Covid I was hospitalized and out of work for over a year and on XXXX. I go so sick that I had to resign and applied for a forbearance for the 18 months. Ended in XXXX, XXXX. Without my request they went ahead and submitted another modification which was rejected. I then requested a deferred and I've been waiting only to be told that it has been rejected but never informed. This company continues to violates my rights and others based on all readying I've done. I need help. Thank you and god bless.
Product: Credit reporting or other personal consumer reports

Account XXXX Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. [ Identify item ( s ) resulting from XXXX  that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). It may also be helpful to include XX/XX/year> and XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit. while logging into my account i discovered XXXX accounts that i did not open XXXX XXXX opened XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXXk XXXX XXXX XX/XX/XXXX