23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is an additional complaint in connection to a previous complaint # XXXX about TD Bank. Since the previous complaint, more issues have arisen with lack of communication and professional responsibility. In XXXX of 2019, we faxed the required forms and supporting documents to TDBank for probably the third or fourth time. Then they sent us a letter once again saying we were missing a form for XXXX   XXXX. Thus, we completed and faxed that form with another set of copies of the supporting documents. XX/XX/2019 we received a letter from XXXX XXXX ext. XXXX of TDBank 's Loss Mitigation Dept. stating that they had everything and would be reviewing our loan modification. Then, THREE TIMES after, we received letters from TDBank stating that they still needed our tax forms and my husband 's P and L from his business that we had already given to them. We kept resending them to no avail. By the third letter, which included a letter from their lawyers, XXXX XXXX, on XX/XX/XXXX, I decided to call their paralegal XXXX XXXX to find out what was going on. She clarified that TDBank needed XXXX to complete their P and L form, because they couldn't understand his. If this had been clearly communicated before, we wouldn't have had to send the same things out multiple times. ( If you refer to our past complaint, this is an example of a constant issue. ) XXXX got everything over to XXXX through an email, and she clarified that she received it and would let us know if anything else was necessary. We have waited since XXXX to hear the outcome. In the process, on XX/XX/XXXX, we received a packet stating how much we were in arrears and that we would be perfect candidates to apply for a loan modification within 60 days!! Which made absolutely no sense, whereas we were currently waiting to hear about the results of our application already. XXXX XXXX, our HUD Advisor at XXXX XXXX XXXX attempted to call TDBank at the beginning of XXXX to get some clarification, but was not able to get through to anyone. ( This is another example of the issues that have constantly been occurring. ) I finally called on XX/XX/2019 since we hadn't heard anything. I spoke with XXXX XXXX XXXX # XXXX. She stated that we were denied, because XXXX  XXXX felt the payments would be too high. She couldn't explain why we didn't receive notification, or why we got the packet on XX/XX/XXXX. I explained to her that if this had been solved 5 years ago, and if TDBank would accept payments from us this entire time, it would not be this extreme and the amount would not be so high. On paper, it looks like we haven't tried to pay anything and are at least {$90000.00} in arrears. TDBank refuses to take any payments unless it is the entire amount, and they have set us up to fail over the past 5 to 6 years. We just want to pay our mortgage, and eventually own our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed my credit score for a rental application in XX/XX/2018. I went to XXXX but needed to pay XXXX dollar to receive the actual score from TransUnion. I noticed that this signed you up for a recurring monthly charge but that you could cancel immediately. As soon as I got the score I went to TransUnions website and canceled the credit monitoring service - or so I thought. When I saw a XXXX charge on my card the following month I mistakingly thought it was a bank fee because my bank uses TransUnion and I knew I canceled the credit monitoring service. Recently the charge went up to XXXX and I was looking for information on what the fee was for. This is when I realized I had been being charged monthly for a credit monitoring service that I had attempted to cancel over a year ago. I never received a single email from TransUnion saying I signed up for the service nor did I get a monthly report sent to me, they simply charged a monthly fee as silently as possible. I was able to cancel the service over the phone but they offered no recompense for the {$330.00} they had charged me over the previous months while providing no services or communication even after I had attempted to cancel.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  {$1300.00} XX/XX/XXXX XXXX XXXX XXXX  {$290.00} XX/XX/XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$950.00} XX/XX/XXXXXXXX XXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX {$8500.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2019, I disputed an item billed to my account in the amount of {$910.00} based on the quality of services I received. I had purchased entry into an establishment which had falsely advertised a XX/XX/XXXX show. Due to the amount of money involved and because our special occasion had been ruined, I contacted the merchant to advise of my problem. The merchant was initially unresponsive, but then slow to come around and try to help me. I called the credit card company to ask how much time I had to file a billing dispute since I was trying to work with the merchant. They told me that I had no time limit to file it. When the merchant finally admitted to wrongdoing, it attempted to comp me another night at the establishment. I advised the merchant that I did not live in the area, that I was only there for a special occasion, that this special occasion had in fact been ruined due to their false advertisement, with guests who had flown across the country to be there, and I asked for a credit back to my account. The merchant again became unresponsive. This time I called the credit card company back to initiate the billing dispute. The merchant had gone back and forth with me, but in the end had resolved nothing and became unresponsive. The credit card company began an investigation and issued a temporary credit. I sent in all email correspondence to them with documentation of the false advertisement. In XX/XX/2019, I received the results of the credit card company told me that the results of the investigation told me that they could not help me because 1. ) the time had elapsed in which they could take back the money from the merchant ; 2. ) that I needed to have something in writing from the merchant agreeing to credit my account. I told the credit card company that I was given the wrong information by the representative when I initially called, that they had in fact told me there was no time limit to file a dispute. Second, the credit card told me that the merchant 's offer to comp me was not enough for them to protect my account and give me a credit. I let the credit card company know that this is why I was turning to them for help, because I was unsuccessful in getting the merchant to do it. If I had to get the merchant to agree to a credit or refund, then what protections is my credit card offering me? Why would I need to seek their help if part of the requirements are that the merchant must agree to a refund or credit in a dispute? This defeats the purpose of a dispute. I called in recently wanting to pay off my card and sought to again speak to someone about this, because it seems like an unfair practice what happened. I was given the same information. The credit card company is unable to help me.
Product: Mortgage

I have been trying to a modification of my mortgage with chase. this loan was finance by XXXX and services by first washington Mutual and was moved to chase went washington mutual went under. 
Its has been a night with chase since taking over the servicing of my loan. i felt behind due to illness and my job moving oversea and have been try to modified this loan for the past four year with chase. 
First the gave me a balloon payment option with was accepted after i was pressured by chase with treat of foreclosure. 
I have being in this residence in the past 17 years, and for the past four years have been making successful trier payment and without a modification at the end of it. 
Chase is attempting to modified my loan at a 3.5 % for 40 years with a payment of {$1700.00} above all other payment ever made for this property after 17 years. How just is this modification. I need help reviewing this documentations and the right decision made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have been having the problem with identity theft for quite some time now and took every step to report it freeze account replace everything. Just over the summer of the year XXXX I changed to my married name i report to the credit Bureau, all 3, sent in copies of driver 's license, marriage license, and other documentation they ask for. Now im aware of the data breach that took place in XXXX and was part of it and still waiting for the outcome of it because I still haven't heard anything about it. For 3 years now, almost 4 I have been having problems with my credit like never before. I couldn't get a bank account open a small pay day loan, nothing..Thats when it was brought to my attention that my identity was stolen from me and I thought that the credit Bureau was taking care of it. Not at all. I submitted my name change and it still isn't change with you guys. MY NAME I HAVE BEEN USING IS NOW XXXX XXXX. IM ASKING FOR YOU TO PLEASE REMOVE MY MAIDEN NAME AND REPLACE WITH MY MARRIED NAME PLEASE.
Product: Credit card or prepaid card

Trouble reaching somebody at PayPal for the online account password recovery and reset and update information also there's a number on the back of a card which I can not reach a live person and I want to close this a card..
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, Bills of exchange Act, Federal reserve act, 18 use XXXX, Truth & lending act, XXXX XXXX, XXXX ( Equal credit opportunity Act ). 

The list of accounts from 2 credit BUREAUS : Reported on ( XX/XX/year> ) Account Name : XXXX  Account # : XXXX Has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal reserve act ( Section16 part 2 ), and Bill of exchange act. They also knowingly and willingly conspired to deprive me of human rights under color law title 18 use XXXX, while committing securities fraud, FACT : 15 USC 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. There are inaccuracies and discrepancies in the PAYMENT HISTORY, ACCOUNT NAME, OPEN & CLOSED ACCOUNT BALANCE UPDATED, OPEN AND CLOSED DATES, INCORRECT VERIFIED INFORMATION AND DATES, CREDIT LIMIIT, CONTACT INFO, DATE LAST ACTIVE AND PAYMENT STATUS. I demand that you immediately delete this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Credit Management LP has an account on my credit report that doesnt belong to me. Enclosed is a copy of the complaint I sent to Credit Management LP.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. CXXXXe 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe XXXXb ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX all make freezing and thawing my credit extraordinarily difficult. Even in times of obvious and publicized hacks of their databases -- putting my and millions of other American 's secure information in the hands of criminals -- they are making the act of freezing and thawing my credit nearly impossible and re-directing me to PURCHASE products from them to prevent my information from being stolen. HELLO!? 

The U.S. government needs to step up and take the keys to the castle away from these fraudsters. It 's time to take control and start saying no to the companies that are acting no better than the petty thieves and hacks corrupting their databases.
Product: Debt collection

1 ) Notice of foreclosure from XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) dated XX/XX/XXXX states the Creditor to whom the debt is owed as XXXX XXXX XXXX, XXXX. s/b/m/ to XXXX XXXX XXXX  XXXX. ( enclosed ) 2 ) The true secured creditor was revealed by XXXX as being XXXX XXXX XXXX XXXX XXXX, based on a qualified written request. ( enclosed ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) became the secured creditor and owner on XX/XX/XXXX. This fact was confirmed by both XXXX XXXX and by a Declaration and Affidavit of an expert witness. ( enclosed ) 4 ) We recently received Notice of sale for XX/XX/XXXX from XXXX XXXX  XXXX on behalf of XXXX XXXX XXXX. ( enclosed ) The action against us was initiated in XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX as Owner of Note as shown in the letter from XXXX XXXX XXXX XXXX, XXXX. Clearly XXXX XXXX XXXX XXXX XXXX has been the owner of the Note since XX/XX/XXXX. This home was erroneously foreclosed by the improper party.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX Balanced {$1300.00} XXXX  XXXX Balanced {$720.00} XXXX XXXX  XXXX Balanced : {$4300.00} XXXX XXXX XXXX Balanced {$0.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity theft. Below are fraudulent Inquiries on my consumer report that need to be removed 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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTAGE SER XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Macys account reporting on credit report. Macys charged off account and did not provide a cancellation of debt and is reporting the account past due which violates the 15 usc 1681 eb fair reporting act. 

Account balance {$2100.00}
Product: Credit card

We purchased hardwood flooring from the XXXX XXXX store in XXXX XXXX  XXXX, PA on XX/XX/year> based upon a sample piece of floor that the manufacturer provided. And we financed the purchase through a new Synchrony Bank Mohawk Flooring account that we opened. 
When the actual flooring was received at the XXXX store, we went to see it & the XXXX was quite different than the sample piece that we saw. Thus, we told XXXX that this was not what we ordered. XXXX issued a partial credit to Synchrony Bank but withheld {$3100.00} for a restocking fee. And Synchrony Bank credited our account but left a balance of this same amount ( we already paid XXXX {$2000.00} & they show a balance due of {$1100.00} ). 
We disputed this with Synchrony Bank several times but they denied our dispute each time without providing a reason ( s ), which we requested.

Thus, we have 3 major issues with this transaction : 1 ) The flooring was not the same color as

we ordered. 2 ) The contract with XXXX XXXX says that all disputes must be settled in small claims court. It does NOT say that the credit card company can make the decision. 
3 ) And we requested a letter from Synchrony Bank detailing the reason ( s ) for denying our dispute but they never sent this as required by law.
Product: Credit card

Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. Pursuant to XXXX. XXXX, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be set off on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning WELLS FARGO BANK , N.A . and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action
Product: Debt collection

American Coradius International LLC sent me a debt collection notice for their client XXXX. I do not have a XXXX account, never did, and never buy anything that would offer an option of XXXX. The amount is {$110.00}. There is no date of transaction or description of item purchased. This is the first notice I have of this " debt '', having never received a phone call or bill from XXXX. It went directly to a debt collector. " If I act before XX/XX/2020, they will accept {$88.00}. '' I tried calling XXXX, but they have no phone customer service " because of the corona virus ''. I went to their website, but can not get past the first screen which asks for the member 's account No. and password. I have no account number. That is the problem. When I XXXX ACI debt collection company I saw similar complaints about this debt collector and XXXX. The address of ACI is XXXX XXXX XXXX, XXXX, TX XXXX. XXXX was started by XXXX XXXX of course. I have reported this problem to U.S. Senator XXXX and state senator XXXX.