23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I lost my employment XX/XX/2024. 
My checking account is overdrawn. 
I have explained my situation to TD bank. 
Funds will be deposited as soon as possible. They are calling me 3 times a day asking to bring account current. The calls are now playing in my mental health., they start calling at XXXX XXXX XXXX up to XXXX. I am looking for work and stalled harassed by TD bank wearing on my mental health. I ask TD bank and was transparent with TD bank regarding my financial situation. The calls are distressing. I do not have a job. I am trying to obtain employment
Product: Credit reporting or other personal consumer reports

On XX/XX/2020 with a copy of my DL and SSN and mail sent with. I have been disputing this since than and have gotten no where with Experian. Yet it has been corrected with the other reporting agencies.There are names and addresses on my report that do not pertain to me including my birth name that I no longer use and have not used in over 7 years. Address that I have never lived at any address that I cant receive mail at or be contacted at.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed the attached enclosures to the three major credit reporting agencies disputing the negative report on my credit record. XXXX and XXXX received my mail and quickly deleted the debt from their record. 
Equifax failed to follow their footsteps. Without stating a reason only stated " We have verified that this item has been reported correctly '' ( See the enclosed Equifax response ). 
Not sure what they saw or read that the other two reporting companies missed. The only thing I can think of is that they never bothered to read my submission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with a fraudulent account and fraudulent inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX funding is the collector the amount they say owe is XXXX it shows it was open XX/XX/XXXX and its a debt from XXXX XXXX that was open on XX/XX/XXXX for a balance of XXXX and also Im a man I dont shop at XXXX XXXX Ive never been there to open the account but it was also open fraudulently I did not open this account or any account associated with this account nor do I have any knowledge of this Ive disputed this contacted the collector to tell them it isnt me who open this account and did not authorize this account or any account associated with this collector they are violating the fair credit reporting act by leaving these fraudulent accounts on my credit report I didnt authorize and trying to get money out of me for a fraudulent account Ive reported and disputed as fraud i would like this removed from my credit report unless they can find the original copy of the agreement with my signature I know they dont have because this isnt my account I wasnt even using my credit in XXXX I just recently started to build credit in XXXX so there is no possibility that I open this account because Im just establishing credit so it could not have been me it wasnt me and I just want these account removed from my report unless these companies can prove without a doubt that I open these accounts and Im sure they can not provide those things there are no payments made to these accounts so whoever open these accounts had no intentions on paying because it wasnt link to them it only affected me
Product: Prepaid card

I bought a NetSpend card to pay a bill. There were no warnings that I wouldn't be able to access my funds. There is not immediate use to the card which is false advertising. Due to me having an account before, I had to verify my identity using a state issued identification card and my demographics. They said the account is still in fraud and they are unable to activate the card or give me back my funds for immediate use. The bill had to still be paid taking the last of my funds for my son 's XXXX birthday today. They are saying I have to receive a check that takes 15 days and I can't be refunded the {$2.00} I paid for the card. This was fraud, theft, and false pretenses. I tried to get a refund from XXXX where I bought and loaded the card. They stated it was nothing they could do. They are funneling people 's money for their own benefits without delivering the service and goods. This was an unfair practice that honestly gave me no resolve.
Product: Credit reporting or other personal consumer reports

I Found fraudulent inquires in my credit report.Please remove thatXXXX XXXX XXXX XXXX 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

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I tried to use my cc in XXXX. It was declined twice. I called customer service and they said they thought it was fraud. They wanted permission to rerun my credit info. I obliged not understanding what that had to do with fraud. I was declined. Called back later to inquire and wasnt given a specific answer. Just run your credit again to see if you get access to your credit line. Declined. Called recently and was finally told my credit score dropped so I gotten cancelled from my credit line. No email/letter/phone call. How is this legal?!
Product: Credit card or prepaid card

My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/2020 I went an evaluation at Smart Shape body clinic located in XXXX, Florida. 
I was evaluated by XXXX and at the end of the conversation she asked me if I want to see if I qualify to finance the procedure. I agree she went and filled the qualification forms for me. She never said my account will be charged right away and not after the procedure and I did not expect that either. 
I made an appointment but unfortunately, I could not go forward and have the procedure done due to family matters. 
I contacted the company Comenty Bank and I explained I have no procedure done and been told me I have to contact the office and talk with them first. 
So, I did. I talked with XXXX and she said she will solve the issue but will take up to week before she can investigate, and she will contact me and let me know.She did not returned to me.I concatenated again Comenty Bank after to contest the charge .They said i am charged because I didn't show up for appointment and they had me scheduled. 
In order to have a procedure done you need to have XXXX XXXX   done and for a XXXX XXXX  patient need to have a XXXX   .Few day before I got the phone call I called the office as I had a question about the testing. 
The office manager did the application for me to see if I get the amount needed to have the procedure. I didnt expect to be charged when no work was done. If I have to use any credit card, I pay for a service reentered. NO credit card will charge and deliver the goods 3 months after. 
I was out of the country and have no international plan in my phone. This day who needs it when we can talk international using other methods that are free, such as XXXX, messenger etc. This been said I have been able to get any phone calls from the US I  had been to XXXX  clinics before and been charged for an appointment a deposit of {$50.00} not {$10000.00}
Product: Mortgage

Refinanced mortgage with Amerisave Mortgage Company. Loan application with Amerisave was to pay off both loans at XXXX. The larger loan ( XXXX ) was paid off but for some reason the smaller loan ( XXXX ) didn't get paid off. I have contacted Amerisave and got the run around and that I need to call the Title company XXXX XXXX XXXX XXXX XXXX. Called XXXX XXXX phone lines constantly busy. Emailed and spoke with XXXX XXXX at Amerisave several times and was told the issue has been escalated up their chain, so far no resolve. I have been dealing with this for over a month. I am currently paying on the new mortgage and still having to pay on one of the old mortgage loans. Why is it taking the companies this long to find where the money went? What happened to the loan money and why can't they find it now. Why can't they reissue the check to payoff my mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Mortgage

Caliber Home Loans has taken a total of {$52000.00} out of my XXXX checking account between the months of XX/XX/XXXX and XX/XX/XXXX. The Caliber Home Loans online payment portal and shows that Caliber Home Loans has only deducted {$37000.00} from the total original debt. That is a difference of {$15000.00}. 

When I call customer service, they tell me that the funds were returned to my bank account, but I called my bank and they said that my bank statements are correct and no money has been returned ( Caliber Home Loans has not refunded any money to my account ). When I brought this to the attention of Caliber Home Loans Customer Service, they informed me that it can take several days. This descrepancy has been an issue since XX/XX/XXXX. 

On Caliber Home Loans website, it shows " misapplied funds '' and " return payment reversals '' in seemingly random amounts on several dates. I was told that at one point Caliber Home Loans had incorrect bank account information for me but, despite that, as of XX/XX/XXXX, a total of {$52000.00} has been removed from my checking account by Caliber Home Loans, {$0.00} has been refunded to my checking account, and only {$37000.00} has been applied to my loan. 

I have bank statements showing that Caliber Home Loans has not refunded any money. They have not applied the correct amount to my loan. 

When I call customer service it is a new person every time and they have no record of the conversations I've had with other customer services reps so I have to repeat the entire situation again. There is no option to escolate or to talk to a supervisor. I wrote a letter and sent it snail mail to their headquarters which resulted in them responding with an apology letter on XX/XX/XXXX. They said that they would apply the funds and refund the late fees they had charged me because I have never been late in making a payent. To this date they have not applied my {$18000.00} payment to my load and they have not returned it to y bank account.
Product: Credit reporting or other personal consumer reports

THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA 605 B THAT YOU THE EQUIFAX REPORTING AGENCY BLOCK INFORMATION THAT IS APPEARING ON MY CONSUMER CREDIT REPORT THAT IS A RESULT OF ID THEFT. [ ASK THAT YOU BLOCK THE FRAUDULENT INFORMATION WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS COMPLAINT.THIS FRAUDULENT AND INACCURATE INFORMATION CONSISTS OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE FRAUDULENT OPENED ACCOUNTS HAS RESULTED IN SEVERAL COLLECTIONS APPEARING ON MY FICO CONSUMER CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian for validation of the creditor. I have requested for all paperwork from the original creditor to be sent to me. Section 609 states I have the right to ask for the information that was received by the Bureau Experian has yet to send me this information.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX Late Date XXXX
Product: Debt collection

Hello, I got an email today on XX/XX/2021 stating there was debt that needed to be collected ; total of {$710.00} and from Dynamic Recovery Solutions , LLC. The original creditor is XXXX and current creditor is XXXX XXXX XXXX. I have never used XXXX or XXXX funding and I find it odd that the email is dated on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following account that I see on my credit report : XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 2 hard inquires were made with out my permission and I want them removed from the credit reporting agency. 

Equifax XX/XX/17 XXXX XXXX - XXXX Equifax XX/XX/17 XXXX XXXX XXXX
Product: Credit card or prepaid card

I have 2 American Express credit cards. I downgraded these credit cards on XX/XX/2022. While downgrading, I contacted the bank over instant chat. I asked the customer care professional if there is any impact to the rewards or a penalty if I downgrade the cards. The customer care professional confirmed that there would not be any impact to the rewards. I then gave my consent to downgrade the cards. After a couple of days, AMEX put a bonus reversal charge of {$150.00} each on both the credit cards. I have tried to get in touch with AMEX several times for this. They mentioned that since I downgraded the card within 1 year that is why the bonus was reverted. At that same time they have also accepted the fact that their customer care professional provided incorrect information that the rewards are not affected with the downgrade. I requested them to rollback the entire thing, that is upgrade the cards back to what they were and also put the bonus back. They have opened an internal case on XX/XX/2022 but till today there is no update. Each time I follow up for an update, they ask me to come back after 6-8 weeks.
Product: Student loan

I attended XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX from XXXX to XXXX. The federal government determined that the school acted fraudulently and cleared all of my federal loans recently. I requested that AES review my private loans with them for similar action, submitting my request on XX/XX/XXXX via their file upload service, which they reference as an option on the form they sent me. It's been over 30 days and I have not received any correspondence, not even an acknowledgement that they've received my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, ( XXXX  XXXX # XXXX ) and ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Also the credit bureaus took more than 30 days to complete my investigation.
Product: Debt collection

The agency keeps harassing me about some debt I have no knowledge of. Ive asked for some type of verification, but they never provided anything. They just say its an auto dealer. Thats it. No contract, no actual details of anything at all. I filed a motion against them and while in court the judge asked him what exactly the debt was for and he responded I dont know. Afterwards my motion was granted and eventually the judge released me from the writ of garnishment, but yesterday I got an email from the guy again! Demanding I tell him things and send him documents and I dont know what hes talking about. I am tired of going to court. He just wont stop bothering me.
Product: Debt collection

Lazega & Johanson and XXXX XXXX XXXX impersonate being attorneys to using false affidavits to coerce me into paying a debt that was never validated and that I due not owe. 
I never contracted with Lazega & Johanson and XXXX XXXX XXXX to be sued. Lazega & Johanson along with XXXX XXXX XXXX violated both the Fair Debt Collection Practice Act and also The Truth In Lending Act. Lazega & Johanson and XXXX XXXX XXXX also violated The XXXX ( Filing Number XXXX ) they were not first in line.
Product: Mortgage

Statebridge acquired servicing of our loan 14 months ago in XX/XX/XXXX.  We have consistently made clearly identified principal curtailment payments each month.  However, Statebridge has misapplied 8 out of the 14 principal curtailment payments.  Our payments have either been placed in an "unapplied funds" account or split between future payments not yet due and a reduced amount to principal.XXXX XXXX, Collections Lead, became my contact in XX/XX/XXXX, after the first misapplication was not resolved with numerous phone calls and emails to Statebridge.  XXXX  was initially non-responsive but eventually told me- on XX/XX/XXXX - Statebridge had 60 days to properly board and verify my account.  Despite this alleged 60 day window, my payments for XXXX, XXXX, XXXX and XXXX, XXXX were all misapplied, requiring me to constantly email and make phone calls to demand the funds be properly applied.Our payments for XXXX  and XXXX, XXXX  and XXXX through XXXX, XXXX were properly applied without issue. But then our XX/XX/XXXX payment was again misapplied.   XXXX XXXX became unresponsive to my emails.  On XX/XX/XXXX, I received an email from XXXX XXXX, AVP of Servicing, who assured me he would monitor the account and "ensure accuracy in the postings."  Despite this assurance, our XXXX, XXXX, XXXX  and XXXX, XXXX principal payments have been misapplied.  After numerous emails and phone calls, all but the XX/XX/XXXX payment were fixed.  The XX/XX/XXXX payment remains in an "unapplied funds" account, resulting in Statebridge accruing unearned interest.  XXXX XXXX is now being unresponsive.Moreover, despite having no escrow account, Statebridge made a disbursement for voluntary insurance and our account now shows an "escrow shortage".  Attempts to have this fixed have been met with silence.Statebridge has shown a distinct pattern of misapplying funds in both the loan account and in an imaginary escrow account.  I need them to cease and desist these practices and honor the terms of our contract.  The extensive email chain of all the time taken to have our account properly serviced is beyond the pale.  The is no way to treat a disabled veteran and a senior citizen.Docs attached:  (1)  Loan history; (2) Letter re not collecting insurance funds; (3) Escrow analysis showing -0- escrow; (4) email chain over 14 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX, XXXX # XXXX  XXXX, or XXXX, has violated my rights. 

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 an account without my written instructions I have not given written instructions for this account to be furnished on my credit file.
Product: Checking or savings account

I was overcharged on my bank account from cash app in it put my Bank of America in the negative