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

To Whom It May Concern, I am submitting this complaint regarding the sudden and unexplained closure of my business accounts with U.S. Bank. I have been a loyal customer for five years, operating a XXXX XXXX XXXX XXXX with multiple accounts under the bank. 

Recently, without any prior notice or explanation, all XXXX of my business accounts were abruptly closed. Despite numerous attempts to obtain information, I have been met with vague responses, with representatives stating they have no clue or no idea what happened. 

As a result of these closures : My payroll was delayed, severely impacting my employees. 
U.S. Bank has not sent me a check for the remaining account balance, which is close to {$50000.00}. 
I have received no clear explanation, and no one at the bank seems to take responsibility for the situation. 

This treatment is extremely unfair and demonstrates a complete disregard for consumer rights and business operations. The lack of transparency and failure to release my funds in a timely manner has put my business in a severe financial bind. 

I request immediate action from the Consumer Financial Protection Bureau ( CFPB ) to : 1. Investigate U.S. Banks practices regarding account closures without notice or explanation.

2. Ensure the immediate release of my funds. 
3. Hold the bank accountable for any damages caused by their failure to properly communicate or act in good faith. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX.
Product: Mortgage

My cousin passed and I became the Successor In Interest on the mortgage. The house was deeded over to me about XX/XX/XXXX, or one year ago. 

Since XX/XX/XXXX, about three weeks ago, I and my title company have been trying to get Rushmore Loan Management Services LLC to send a Mortgage Payoff Estimate. Rushmore has lied and dragged their feet about creating this loan payoff estimate. Most other mortgage servicers accept a borrowers telephone request for the Mortgage Payoff. The other mortgage services do not require anything in writing to get the Payoff Estimate. It is time critical that Rushmore respond immediately with the Loan Payoff, good to XX/XX/XXXX. This must occur today and with no more delays!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a formal dispute letter to Equifax via USPS certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ). According to USPS tracking information, the letter was delivered and received by Equifax on XX/XX/year>. 
In my dispute letter, I requested an investigation into an inaccurately reported XXXX  and incorrect personal information listed on my credit report. I included all required documentation to verify my identity, including a copy of my government-issued ID, my Social Security card XXXX and proof of my current address. Despite fulfilling all legal requirements, I have yet to receive any response from Equifax, and the XXXX timeframe mandated by the Fair Credit Reporting Act ( FCRA ) has now expired. 
In the dispute, I specifically highlighted that the XXXX  reporting on my credit report is both inaccurate and incomplete. Important details, such as the XXXX XXXX name and other critical information, are missing. The report only lists the filing date and a reference number, which is insufficient and misleading. Additionally, I disputed several incorrect personal information entries that Equifax has failed to address or investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes as well as an FTC report for this fraudulent account. 

- XXXX XXXX ( listed on XXXX, Transunion, and XXXX )
Product: Credit reporting or other personal consumer reports

Ref case # XXXX Companies response says 60 days to investigate. Unacceptable. It's been over 60 days. Both companies has had ample time to provide the requirements of this complaint and correct this matter violating FCRA Section 623 ( a ) ( 1 ) ( B ) and 15 USC 1681 ( A ) ( i )
Product: Debt collection

I received a letter in the mail from FirstCredit Inc, which stated I owed a debt for lab services from XXXX of this year. The amount is what I usually pay for lab services, but I had no outstanding balances in the patient payment portal. 
I contacted customer support for the clinic, and they had records for that amount from XXXX and XXXX, both paid, and no charges in XXXX. The clinic 's customer service recommended that I contact the collection agency to ask who is the client they are billing for. However, I attempted to call both phone numbers printed on the debt collection letter, and neither phone number is in service. 
I can only conclude that this supposed debt collection is a scam, and I am concerned how they got my contact information. I want to know how this company got my information, as this specific debt does not exist, but the amount is the amount I have been billed at other times. I am concerned, especially as this is related to medical care, so I want to know that my personal medical information is safe. 
The amount of the supposed debt is small, only around {$45.00}, so I'm more concerned with the potential breach of my information that this represents.
Product: Debt collection

My social security was used to open fraudulent accounts and as an result its showing I owe money for accounts Ive never owned.
Product: Checking or savings account

For XXXX months Citizens bank has put an hold onto my funds. They released the hold but now put a hold onto my card so I can not withdraw the funds. This has been very detrimental to me and my family. They have given no recourse or reasoning behind this. Im currently in the process of being XXXX and my car has been XXXX  because of Citizens. I need help and legal advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is nearly impossible to work with.They have different portals for each product, passwords NEVER stick and then when I try to reset to gain access to MY OWN CREDIT INFORMATION their website errors. 

I literally have to reset my password every single time I log in. I never have this problem with XXXX or XXXX  and it is extremely frustrating how hard to is to access my own credit information with their products. 

What's more ... is when I can get in, the try to charge you for access to your own information.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was sold to another Mortgage company. Account is still showing as open and delinquent which in not accurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Transunion : [ XXXX ] XXXX
Product: Credit reporting or other personal consumer reports

I requested that XXXX, XXXX, and Equifax to remove unmailable addresses and unreachable phone numbers and improper names off my consumer credit report that was not done. There should only be XXXX name XXXX mailable address and XXXX phone number and employment on file. 
Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Privacy Act of 1974, 5 U.S.C. 552a, I am formally requesting the removal of all unmailable addresses and personal names from my credit report. Additionally, I am invoking my rights under applicable Code of Federal Regulations ( CFR ) provisions to ensure that my private information is not improperly retained or disseminated.

According to 39 CFR 111.5 and 39 U.S.C. 3001, unmailable addresses should not be maintained in records that affect consumer reporting. Please ensure the immediate deletion of any such entries from my credit file.

Under the Privacy Act of 1974 ( 5 U.S.C. 552a ( e ) ( 7 ) ), federal agencies and entities handling personal data must ensure the accuracy, relevance, timeliness, and completeness of records. The maintenance of outdated or incorrect addresses constitutes a violation of these principles.

16 CFR Part 601 mandates credit reporting agencies to take reasonable steps to ensure consumer reports are accurate and up to date. Failure to do so exposes the agency to potential civil liabilities.

As per 15 U.S.C. 1681c, obsolete information must be excluded from consumer reports. Any name variations or incorrect names should be immediately deleted to prevent inaccuracies and fraudulent misuse.

The Fair and Accurate Credit Transactions Act ( FACTA ), which amends the FCRA, grants consumers the right to request the removal of incomplete or incorrect personal data ( 15 U.S.C. 1681i ( a ) ).
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Fraud Complaint Regarding Unauthorized Transactions on XXXX XXXX XXXX Account at TD Bank Dear Sir/Madam, I am writing to formally lodge a complaint regarding fraudulent activities that occurred on the business checking account of XXXX XXXXXXXX XXXX at TD Bank ( Account # : XXXX ) between XXXX and XX/XX/2022. During this period, multiple unauthorized transactions were conducted on the account without the consent or knowledge of any member or employee of XXXX XXXX XXXX. 

The origin of this fraud is linked to a prior identity theft incident involving XXXX, the owner of XXXX XXXX XXXX. His personal information was leaked on the dark web due to a data breach from XXXX. Despite XXXX efforts to secure his information, the unauthorized transactions continued on the business account. Upon noticing these irregularities, XXXX promptly contacted TD Banks customer support to report the unrecognized transactions and confirmed that he did not authorize them. 

Unfortunately, TD Bank failed to stop these transactions in a timely manner. The account remained active and continued to accrue unauthorized transactions until it was eventually closed at the beginning of XX/XX/2022 with an overdraft balance of {$430.00}. This account was subsequently sent to collections, which was an unfair outcome given the circumstances of the fraud. 

Recently, when TD Bank reopened the account for business purposes, a member at the XXXX XXXX in XXXX XXXX, PA confirmed that XXXX had indeed called to report irregularities on the account. Despite this confirmation, the negative balance and collection record still remain, reflecting poorly on the companys profile. 

XXXX, as the owner of XXXX XXXX XXXX, respectfully requests that the negative balance and collection record be removed from the companys profile. This fraudulent activity and the subsequent mishandling by TD Bank have resulted in a detrimental outcome for the business, which we believe is unjust given the circumstances. 

We would appreciate your prompt attention to this matter and your assistance in rectifying this situation. Please feel free to contact me if you require any additional information or documentation regarding this complaint. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

: -- - [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX  XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] COMPLIANCE DEPARTMENT XXXX  [ XXXX 's Address ] [ City, State, Zip Code ] Subject : Formal Complaint Regarding Inaccurate Reporting and Demand for Correction Dear XXXX Customer Service, I am writing to formally address a serious issue regarding the inaccurate reporting of my account with WORLD FINANCE CORPORATION, which has persisted for over six years. Despite my efforts to rectify this situation, I have seen no substantial action from your agency to correct these inaccuracies. As a consumer, I feel that I have been adversely impacted by this erroneous reporting, resulting from what can only be described as the improper application of a deferment code and subsequent false reporting of a monthly accruing balance. 

1. **Account Overview : ** - **Account Name : ** WORLD FINANCE CORPORATION - **Account Number : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Charged-Off Amount : ** {$180.00} - **Current Balance : ** {$290.00} ( as of XX/XX/XXXX ) 2. **Nature of the Complaint : ** For more than six years, I have been attempting to address the following discrepancies in my credit report : - The deferment code applied to my alleged account appears to be misplaced, leading to an inaccurate monthly accruing balance despite the account being charged off at {$180.00}. The current balance of {$290.00} is unjust and misrepresents my financial history. 
- This false reporting has negatively affected my credit score and has led to unwarranted financial and emotional distress. 

3. **Legal Standpoint : ** Under the Fair Credit Reporting Act, consumers are entitled to accurate and fair reporting of their financial history. The intentional or negligent reporting of erroneous information can be deemed a violation of these rights. As such, I demand immediate action to rectify this situation. 

4. **Demand for Compensation : ** I believe that as a result of this incorrect reporting, I have experienced financial damage. Therefore, I request compensation commensurate with the distress and financial impact I have suffered due to your agencys failure to report accurately and promptly correct these errors. 

5. **Immediate Actions Required : ** - Conduct a thorough investigation into the reporting inaccuracies of the WORLD FINANCE CORPORATION account. 
- Remove the false deferment code and correct the account balance to reflect the accurate status of the account. 
- Provide written confirmation of the corrections made and a copy of the updated credit report reflecting these changes. 

Please consider this letter as a formal complaint, and I expect a prompt response within 14 days as mandated by law. Should I not receive a satisfactory response, I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau and seek legal advice. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX ] ---
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

They threaten that they will come to our residence or business to " serve '' us. Numerous empty threats many of which I have saved voicemails on my phone.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Freedom Mortgage or companies like them are like leeches. In my case they bought over my loan from north round point without my knowledge and consent and without reading the terms of my loan, they are making duplicate payments for taxes and insurance which is my responsibility as per original term and condition. I have been calling them from last 3 years since they took over my loan from north round point that my responsibility towards the lender is ONLY mortgage payments, Insurance and property taxes are MY responsibility and have been paying it without exception since day 1. Last year they paid my insurance premium without my knowledge and extorted money from me in the name of insurance premium and this year they paid the property taxes after I already paid it and now like last year they created escrow account and again asking ransom money to pay for their mistakes. I would like to sue them as it is a mal practice and fraud and when I read online about them, it seems I'm not the only one suffering but many of the customers have the same issue. They have also reported to the credit agency as my account being delinquent which is completely wrong and unfair.
Product: Mortgage

When I applied to cash out my recently acquired investment properties at Athas Capital Group, XXXX XXXX told me that they would approve the cash out loan based on the actual market value at appraisal, not the purchase price because we acquired the properties at very low prices. However, after Athas Capital Group checked my credit score, they told me that they could only approve the loan based on the purchase price. XXXX XXXX cheated me to submit my application and business checked the credit score, now this business must remove this credit check from my profile as soon as possible. If XXXX XXXX did not promise to approve the cash out loan based on the actual market value, I would not submit the application.
Product: Credit reporting

On XXXX XXXX, I checked my credit on XXXX XXXX and had only XXXX inquiry listed on my report ... XXXX had been removed. I checked my account again on XXXX and all XXXX had been reinserted without sending me a reinsertion letter as required by FCRA section 611. I have called to have it corrected and was told that I " was n't affected by the glitch ''. I then spoke to the special handling department who told me to fax a copy of the inquiry section of my report dated XXXX to TransUnion and upon receipt they would delete them. That was done a week ago and I still have these enquiries on my report. Some agents told me that they know what happened but it 's just " too bad '' and some have been downright rude.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XX/XX/year> To : XXXX, XXXX, and TransUnion Subject : Formal Complaint Regarding Violation of Consumer Rights 15 U.S.C. 1692g Dear Credit Reporting Agencies, I am writing for the second time regarding a serious violation of my rights under 15 U.S.C. 1692g, as you have collectively failed to address my previous complaint in a timely and proper manner. My initial complaint, which dates back over 60 days, has not been resolved. I am certain that 60 days is more than enough time to request and review the information I have already provided and can provide yet again, if you deem it absolutely necessary. 

It seems that the first 60 days was spent asking me to verify my identity, as if the extensive documentation I already provided was insufficient. How shocking, given that a simple look into your own records would have confirmed the information. But I suppose we must go through the rigmarole of further verification for your peace of mind. 

Please be advised that this delay is unacceptable and constitutes a clear violation of my rights as a consumer. Under 15 U.S.C. 1692g, you are obligated to act within a reasonable time frame. I urge you to address this complaint promptly. If further proof of my identity is required, please let me know exactly how many times I need to confirm that I am indeed XXXX XXXX XXXX. 

Thank you for your anticipated cooperation. I look forward to seeing how long it will take to address this simple matter this time around. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXXXXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : Rent Debt Automated Collections Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, and Account Name : XXXX  Account # 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.