23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2020 I refinanced my home loan with XXXX XXXX XXXX XXXX. My refinance closed on XX/XX/20 and my first mortgage was paid off on XX/XX/20. As of this date I understand that my mortgage servicer, roundpoint mortgage servicing corporation, has 30 days to refund the balance of my escrow account to me.

As of XX/XX/20, 21 business days later, I have still not received my escrow balance of my first mortgage. I called roundpoint and was told they processed my money from my escrow account on XX/XX/20 and that it will be a minimum of 20 business days for me to receive my money which they are holding. This is well beyond the 20 business days set forth by regulation 1024.34b they are legally allowed to hold my money.
Product: Checking or savings account

My husband and I opened this joint personal savings account # XXXX on XX/XX/year>. We specified that we are a legally married man and woman and want a joint marital savings. TD Banks XXXX XXXX did not listen to our instructions or want to recognize our marriage as our legal relationship and proceeded to create the account treating us as two separate adults. She placed my husband in the first position on the account. We asked the reason for the TD hierarchical structure policy of positioning a married couple on a joint account? We were told : the first position is recognized for IRS tax liability and interest reporting We would like TD Bank to identify the specific IRS tax codes and US Federal/NY State Banking regulations that authorizes TD to induce a hierarchical order on a personal joint savings account? In addition, we want TD to identify the US Federal and NYS State Domestic relation laws that authorize TD to impose their patriarchal ideology by creating a ranking order ( 1 male, 2 female ) upon married joint account owners?

We want answers to our questions the TD staff at the local branches do not want to answer.

1. Why are we receiving quarterly statements in the mail for our personal savings account instead of normal monthly statements?

Details about source of funds deposited 2. Identify the 1st bank and their account number for the XXXX XX/XX/year> ACH deposit of {$980.00}. Whos name ( s ) on our account did the 1st bank issue the XXXX refund to? 
3. Identify the 1st bank and their account number for the XXXX XX/XX/year> ACH deposit of {$4.00}, XXXX Whos name ( s ) on our account did the 1st Bank issue the IRS TREAS 310 TAX REFXXXX  AS ACH DEPOSIT to?
Product: Vehicle loan or lease

My wife was in an accident XXXX XXXX and we purchased her new vehicle XX/XX/XXXX. I traded my XXXX XXXX XXXX in on the purchase. XXXX XXXX XXXX stated they sent the payoff to US Bank shortly after the purchase. US Bank called stating my payment was late when it was not even a week late. I told them that the car had been traded in and they should have payment any day. They called again a week later stating payment was two weeks late. Again advised them of the trade and XXXX XXXX XXXX confirmed sending the payoff. Third call from US Bank and I went to XXXX XXXX personally and they sent overnight payment. US Bank got the payment then showed me 60 days late and closed account causing a XXXX point drop in my credit score which I am NOT happy about at all and want the 60 day late removed from the account and my score restored to what it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting each inquiry listed as a separate line item on my credit report for XXXX and XXXX. These multiple inquiries in are well within the shopping window that is typically allowed to check different lenders and find the best loans. Each one of these inquiries listed are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see pages attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. Please update to report only one line item for each. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces was unfair and deceptive, as they did not + comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I tried to dispute all of the hard inquiries because regardless if I had looked up something that didn't mean that everybody else could just look at my credit and now I have no credit or bad credit and I can't figure out how to get a credit score so that I may refinance something or be able to get credit I'm just having a hard time getting them to understand that I need help with my credit report and my credit score trying to fix it and no one wants to help me
Product: Credit reporting or other personal consumer reports

i did a pre approval with gravity autos in XX/XX/year> and the representative kept running my credit without consent thru the end of XXXX. i have a freeze on my credit so he kept running it to get an approval without my consent. he was later fired from the company as stated by gravity autos when contacted about the inquiries.
Product: Debt collection

On XX/XX/2021 at XXXX a representative from RMP Services LLC by the name of XXXX XXXX called a number associated with my account associated with a medical bill, failed to verify through any of legal identifiers ... date of birth ... ssn .... address ... if I was the correct party and began disclosing personal and private information to a third party before confirming if it was Same name Jr or Senior situation. When I informed him he became aggressive and his collection tactics became intimidating I asked for his manager and he transferred me to the voicemail. When I called back to get the names and address the rep XXXX XXXX was equally as rude and evasive
Product: Debt collection

XXXX XXXX is a federally registered service mark of XXXX XXXX and is used by Department Stores National Bank pursuant to a license. The Macys XXXX XXXX Card program is issued and administered by Department Stores National Bank. 

Macy 's Credit Card has taken away all access to my credit card statement and removed the ability to make payments online. They have called me several times a day during my work hours after being told not to contact me during work. When I called their customer support number # XXXX, I was told the department that can resolve the issue is only open during my work hours and the only way they can resolve the issue it to contact me during my work hours. It is against Federal law for me to use my phone at work. I can not pay off my debt online as part of the agreement Macy 's made when I opened the account. I am being contacted by their debt department during my work hours when I requested not contact to be contacted during work hours. Macy 's has taken away my ability to view my electric fund transfers from their online portal. Macys.com lists no information on the FCRA, FCBA, EFTA, FDCPA and list no contact information for disputes. 

The last attempt at reaching their customer service XXXX XXXX XXXX XXXX at XXXX XXXX  XX/XX/2020. I directly asked for their legal departments contact information to file a formal dispute and was told " they are not allowed to give that information out. '' When asked for any contact information to file a formal dispute I was given the number for the same branch only open during my working hours. It is against Federal law for me to use my phone when working. As I told their customer service center before, I can not use my phone during work hours.
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax XXXX XXXX in XXXX and since have sent several letters to creditors when inaccurate information appeared on my credit report. However, creditors listed below did not oblige to my repeated request. Now, I am demanding my legal right to have the inaccurate information removed, as it has caused me great hardship financially and emotionally. Below are hard inquires that are inaccurate and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I was going to buy a house and they pulled my credit report and it showed my credit score went way down and it showed it was because I was charged interest on my student loans during the pandemic which it was supposed to be 0 % interest. I found this information out after my loans had been transferred to a different loan servicer. I have tried to contact XXXX to no avail. When I call MyFed Loans they originally said I had to call XXXX. I requested a report from MyFed Loans to see if they could tell when I was charged interest, it took over 8 months to get this information and then they did not want to assist me to get this corrected. 
I have contacted MyFed Loans at least 4 different times and no response back from them. Now I understand that MyFed Loans will no longer be my servicer so now I don't have any way to have this corrected. It is really upsetting that this made my credit score go down and it hurt my house hunting. 

What/who can I contact to get this corrected? 
Dates in question are on all my loans between XXXX to XXXX. 
The hardest thing to get anyone to understand is that XXXX charged the interest but my servicer is not MyFed Loans, so who do I report ( BOTH? ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act : Section : 15 U.S.C 1681 Section 602A States I have the right to Privacy 15 U.S.C 1681 Section 604A Section 2 Also states a Consumer Reporting Agengy can not furnish an account without instructions. 

These accounts have Violated my rights. based on the fair credit act sections. 

XXXX acct # XXXX XXXX XXXX and XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX  acct XXXX XXXX XXXX XXXX acct # XXXX Also I have uploaded documentation of the XXXX XXXX bankruptcy stated by experian that is was verified by XXXX XXXX. This Information was disputed by XXXX XXXX which they removed this from the account it was unverified. 

Bankruptcy XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This serves as my follow-up regarding my previous complaint dated XX/XX/XXXX, emphasizing the necessity to promptly delete the specified items from my credit reports. For your convenience, please refer to my recent FTC report with # XXXX, which I have reattached to this complaint. The items I wish to have removed from my credit file are outlined per bureau : -- -- -- -- -- -- -- -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reiterate that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expunge any items in the consumer 's file identified by the consumer as information resulting from alleged identity theft within 4 business days of receipt.
Product: Debt collection

This is XXXX XXXX I talked to my XXXX company XXXX and XXXX they said that bill was paid do not worry about it so I did not worry about it until a year later I started getting letters and next thing you know it popped up on my credit report and I called and talked to him and I received the letter through my XXXX stating that that bill was paid and XXXX balance and why is that still receiving collection letters in the mail stating that I owe {$1500.00} for XXXX XXXX XXXX XXXX in XXXX XXXX XXXX here in XXXX XXXXXXXX XXXX  I do not have that type of money to pay anyone because I pay rent I pay XXXX XXXX I buy food and I had to pay utilities which I received XXXX a month I don't have anything left to pay anything I receive XXXX and I have XXXX and XXXX part a and b
Product: Credit reporting or other personal consumer reports

Dispute Of Inaccurate Reporting of Late Payment on my credit report relate to the following account : XXXX XXXX. ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXXXXXX XXXX Subject : Request for Incorrect Late Payments under the FCRA, specifically 15 USC 1681.

I am writing to dispute an incorrect late payment report on my credit report, specifically in regards to the accounts referenced with XXXX XXXX XXXX XXXX # XXXX. 
Upon thorough review of my credit report, I have identified discrepancies in the reporting of these accounts. To the best of my knowledge and records, I have consistently paid these accounts on time and in accordance with the agreed-upon terms. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between myself and your company. Payment history, particularly late payments, negatively impacts my consumer report and constitutes a part of such transactions and experiences.

Additionally, under 15 U.S.C. 1666 ( b ), I request documentation of the reasonable procedures you have in place to ensure that periodic statements are mailed to me no later than 21 days before the payment due date. This documentation should include all information required by 15 U.S.C. 1637 ( b ) regarding the contents of such statements.

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have consistently been adhered to. Therefore, the account should be reported with a status of " Paid As Agreed Never Late '' to accurately reflect my timely payments. Any deviation from this status misrepresents my financial responsibility and commitment to fulfilling my payment obligations.

Request for Proof : To validate the reporting of late payments on these accounts, I request the following : Documented proof supporting the claims of late payments, including dates, amounts, and any relevant communication.

In the absence of valid proof, I demand that these accounts be promptly updated to reflect their accurate status as " Paid As Agreed Never Late. '' Request for Timely Investigation : In accordance with the ( FCRA ), I request a thorough investigation of this matter and a written response within 30 days of your receipt of this letter. Failure to adhere to this timeline will be considered a violation of the ( FCRA ).

Please treat this as a formal dispute under the ( FCRA ). If the inaccurate reporting is not corrected or a satisfactory resolution is not provided, I may escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to ensure compliance.

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide a written response with the results of your investigation. If you require additional information, I can be reached at XXXX Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Td bank cashed approximately {$98000.00} of counterfeit checks in my account and is refusing to reimburse me saying that per their agreement we had only 30 days to let them know I missed the first few checks and therefore it was closer to 60 days before we were fully aware of the issue. 

I think they should have picked up the activity because it was an account that had very little activity until this and they did nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company directedly and went through you all and they have resolved the issue 100 %. However on my report TransUnion refuses to remove the inaccurate debt on there and it is hurting my score and causing me stress. How can they still report it when the company explained that it was a mistake and to remove it from my file. I contacted transunion too but they still are reporting it falsely
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through the student loan rehabilitation program. After my 9 months of payment and my loan being sold, the agreement was that the derogatory marks regarding the student loan would be removed ... in fact the contract explained that the original credit line would be removed entirely. I submitted online dispute with TransUnion ( X/XX/17 ) and the results came back of which did not include deletion of the credit line. Please review the last line of the document submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have challenged several inaccurate and false accounts on my TransUnion credit report. However, they have failed to properly, legally, and transparently investigate these accounts which are damaging to my reputation. I hereby ask the CFPB to ensure TransUnion deletes these accounts after any re-investigation which must be completed within 30 days or less. Below I have attached the most recent challenge letter I sent to TransUnion about these accounts to aid their deletion.
Product: Debt collection

Over the last XXXX  years this company has contacted multiple of my family members and my previous employer and disclosed very sensitive private financial information about me. They told my family and employer how much money I owe and who I owe it to and then continued to harass them several times after that. I know of XXXX family members plus my old employer who has been contacted and told all about my debts. I do not appreciate this and I firmly believe this is defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ordered Free Credit Report ( been doing this since XX/XX/XXXX ) I get Free Report from different Credit Reporting every 4 months. Total 1X per year from each agency. 
On XX/XX/XXXX I contacted automated line as usual XXXX and gave my choice as EQUIFAX. On XX/XX/XXXX I still had NOT received Report. I contacted Equifax and after lengthy questions ( 27 MINUTES ), I was informed " Verified '' and that Equifax had NOT received Request. ( NOT TRUE ). 
I became concerned about what happened and who had my Credit Report after waiting for almost a month, thus I made this inquiry to Equifax. It seemed like I was talking to someone in a Foreign Country as we had problem ( s ) understanding each other. 
I asked for explanation of why I did not receive and was told other customers are experiencing same issue. 
YOUR SYSTEM DOES NOT WORK, at least with EQUIFAX. 
This entire issue has been a nightmare and time consuming.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT SIMM ASSOCIATES To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. This account and any other account associated with my social Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent  evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX Law Firm, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX..

Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I informed Opploans that I was being represented by an attorney regarding this debt. I gave them the name and address of the attorney via phone and email. I was told by Opploans that I needed to get power of attorney for them to speak with my attorney regarding this debt. My attorney informed me that according to FDCPA 15 USC 1692 c 804 ( 6 ) and 805 ( 2 ) and Florida Statute 559.72 ( 18 ) that all I need to do is provide them the attorney information. This is not a bankruptcy attorney nor a debt consolidation attorney. This is a personal consumer rights attorney. They must direct further collections to him.