23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is in reference to Case number : XXXX. I have been monitoring when my mortgage statements arrive, and find they arrive, for the following month, prior to the XXXX of the current month. According to TD 's response stating payments made can be credited at their discretion, they are evidently running a scam operation here. If the prior month has been paid, they can at any point prior to the first of the next month, they can direct it to the end of the loan. How can they send a bill you are unable to pay on its arrival for fear of disaster? 
In addition, I suggest requesting the phone records at TD which will show we addressed the issue immediately! and they failed to act. We have been borrowing from our future to get by and to restore our credit over the last nearly 2 yrs. We have put countless hours into this. Ridiculous that the bank ruined us financially and shrugs it off. Nothing in our contract gives them that right. 
Yes, it has taken a long time to address this ; in part because we now spend our lives trying to get by and continue work back to where we were prior to TD Bank 's error. 
In addition, if they are going to continue their insistence it was not an error, again, the phone records and emails will suggest otherwise. And if it was not an " error '', then why did every one of the at least XXXX people we spoke with address it as such? Do they allow false information to be passed to consumers? Or do they train personnel to respond falsely? Do they not monitor these things? 
For our sake and more so the sake of those yet to come, these practices need investigation and resolution! Our health, our financial stability and our future have been negatively impacted.
Product: Bank account or service

I 'M A VET, I HAVE BEEN DISCRIMINATED BY BANK OF AMERICA AT XXXX SEPARATE BRANCH LOCATIONS. THE XXXX BRANCH IN XXXX XXXX WOULD NOT LET ME OPEN A BANK ACCOUNT AND DENIED THAT MY CHECK WAS MINE, EVEN THOUGH IT HAD MY NAME ON IT AND I HAD PROPER ID, IT WAS FROM MY LAWYER OFFICE THAT BANKS WITH THAT BANK. I WENT OUT OF TOWN AND CAME BACK TO A CLOSED CHECKING ACCOUNT {$9.00} OVER FEE, WHICH I PAID AND WENT TO THE XXXX AT XXXX XXXX XXXX XXXX BRANCH TO REOPEN MY NEW CHECKING ACCOUNT. I SHOWED THE PROPER ID I USED TO OPEN MY ACCOUNT AT THE XXXX BRANCH, AND THEY DENIED ME THE OPPORTUNITY TO OPEN AN ACCOUNT AGAIN EVEN THOUGH I HAD AN EXISTING SAVINGS ACCOUNT OPEN AT THE TIME. I EVEN HAD THE PACKET THEY GAVE ME AND THEY STILL WOULD NOT ALLOW ME TO OPEN A CHECKING ACCOUNT WITH MY IDS. I BECAME SO FRUSTRATED, I CLOSED THE SAVINGS ACCOUNT. THE XXXX AT XXXX XXXX XXXX BRANCH DENIED CASHING MY CHECK FROM MY LAWYERS OFFICE FROM THE SAME BANK WITH PROPER IDS, STATING XXXX NO PROPER ID THERE SAYING I HAVE NO ACCOUNT EVEN THOUGH THE CHECK IS FROM THERE BANK. I WEN T BACK TO THE XXXX XXXX XXXX BRANCH TO CASH MY CHECK AGAIN IN MY NEW OPEN ACCOUNT FROM ANOTHER BRANCH, I WAS TOLD BY THE MAGR THAT NOW MY CHECK WAS A ISSUED ... I BELIEVE I WAS RACIALLY DISCRIMINATED AGAINST BECAUSE OF HOW I WAS TREATED, FOR DEALING ME ACCOUNT EVEN WITH PROPER IDS, AND DENYING CASHING A CHECK ISSUED BY THEIR BANK. MILITARY IDS CAN BE USED AS PRIMARY ID
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX  Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX  Account XXXX Account name : XXXX  XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX  Account XXXX Account name : Account number : 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: Debt collection

XX/XX/XXXX I sent this company a certified letter requesting validation of debt paperwork. I received no paperwork validating the debt Allstate Credit Bureau , Inc. is reporting to all 3 major credit bureaus. On XX/XX/XXXX I sent a certified letter no response. On XX/XX/XXXX I sent a certified notarized letter with a signature recipient card attached. I received the card back from the post office showing Allstate Credit Bureau received the letter. However, I still didnt receive validation of debt documentation. I filed a complaint with CFPB on XX/XX/XXXX & XX/XX/XXXX however I still received no documentation. In addition, I filed a dispute with XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The Furnisher has an obligation to ensure accuracy of information and to correct all errors. However, The Furnisher for  Allstate Credit Bureau is continuously breaking the laws of the FRCA and violating my rights. Lastly, I filed a complaint with the FTC on XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX is negatively reporting me as owing {$120.00} when I do not owe them this debt.
Product: Checking or savings account

The company called MoneyLion. I was trying to create me an account to see do I qualify for instant cash on XX/XX/24. Thats when I found out that i already had an account with them under a email that I didnt recognize. I called them and reported it to them they closed the account and told me since my SSN was already used I couldnt used them anymore. I told them it isnt fair because I didnt opened an account with them. I wanted to know who used my information and I also wanted to be able to use them for instant cash if I need them.
Product: Money transfer, virtual currency, or money service

I am writing regarding Zelle transactions conducted prior to their implementation of fraud warning systems. During this period, Zelle and partnering financial institutions failed to provide adequate consumer protections or warnings about potential fraud risks. This systemic failure to protect consumers is now acknowledged in the CFPB 's lawsuit against Zelle. Despite multiple attempts to dispute fraudulent transactions from this period, both my financial institution and Zelle have consistently denied responsibility, claiming they can not investigate or recover funds. This blanket denial of investigation violates Regulation E requirements for electronic fund transfers. The recent CFPB findings confirm that Zelle 's practices during this period were inadequate and left consumers vulnerable to widespread fraud. I am seeking a review of all disputed transactions from this period and appropriate compensation under consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602, states I have the right to privacy. 15 USC 168 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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. 

XXXX XXXX credit cards : late payments reported XXXX XXXXXXXX : Late Payments reported XXXX : Late Payments Reported
Product: Debt collection

I been In contact with company regarding a refund and I have not recieve it. They took a payment on XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX and on XX/XX/XXXX for XXXX. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct or remove the following inaccurate items in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I tried to obtain a cashiers check. The employee called someone and I was denied access to the funds from my account. And they ended my 10 year banking relationship, saying that its under investigation, suggesting I am committing fraud and she told me inaccurate information. They placed a hard restriction on my account and it has caused a major hardship for me and my family. This restriction has left my account at a {$0.00} balance and the funds were from a loan I received on XX/XX/XXXX. Due to the restriction, I now may have my utilities shut off, me and my family can be evicted and many other factors. They also gave me no indication as to when this will be resolved.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my consumer report which caused severe XXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant 15 USC 1681b. Without my consent this is reporting fraudulently. The credit reporting agencies is committing XXXX!!! Please remove these fraud accounts and fraud inquiries from my consumer report!
Product: Credit card

On XX/XX/year>, I received an email from Home Depot stating that I had a minimal payment due on my credit card. Since I had not made a purchase with that card for over XXXX months, I logged into my account. Upon logging in, I noticed over XXXX charges that I did not make, all from a different state and all related to Home Depot purchases.

I immediately contacted Home Depot ( Citi ) to report this issue. When I inquired about the payment due, they confirmed that I needed to make it, despite the fact that I was not responsible for the charges. Feeling this was unjust, I made the payment, only to be later charged a late fee when I was not actually late. 

I requested confirmation of the investigation into my claim, but they informed me that they could not provide a confirmation number or send an email verifying that the investigation was underway. The next day, XX/XX/year>, I called again to see if I could reach someone else. I was told not to make any further payments and that the investigation was still in process. I asked for proof of this investigation, but once again, they said that they could not provide any. 

I also inquired about the late fee and was advised not to worry, as security would call me within 30 days. I explained that by that time, I would have a 30-day late mark on my credit report, but the representative reassured me not to be concerned. I asked again for something in writing, and they refused to provide it.

Home Depot ( Citi Cards ) has denied my request for any proof of an investigation, disregarded my concerns about unauthorized access to my personal information, and neglected the potential impact on my credit score. This is why I am seeking help with this matter.
Product: Mortgage

I was granted a trial period of 3 months, but they didn't lower the payments so was still struggling to get the last payment in. On the last day of being able to make a payment I was unable to pay online and was on hold for 45 minutes so unable to make a phone payment. At the time I didn't know it was the last day they would accept payment. 

Ever since I have been trying to work through another loan modification and I have been sending so much paperwork in, and when I talk to the people on the phone they tell me everything is fine and that they have everything. 

But I don't always get the same answers and I never know who to believe. Recently I called 4 times in 2 weeks a Thursday and then Tues, Wed, Thurs the next week and everyone I talked to said I had all my paperwork in. 

But when the Attorney General received my paperwork and tried helping me out they started to say that one of my papers was outdated and they closed my account. They told him that they tried contacting me and they sent me letters but, I would like proof because I never received the letter saying I needed an update date, and why didn't the people on the phone inform me? 

I haven't heard from them in what seems to like a year until the other day, That is what prompted my call to them the first Thursday mentioned earlier the person I spoke with worker XXXX around XXXX central time said he didn't know why I got a phone call because everything looked fine. 

How can I turn in something I didn't know they needed. This keeps going on, I keep getting mixed messages, and they drag things out so long that I have to resubmit everything I already submitted but with new dates. I have re-dated this from " hardship '' at least 3 times. 

Please help us save our house I have XXXX grandkids living with us along with my daughter, son-in-law and boyfriend who also owns the house.
Product: Credit reporting or other personal consumer reports

I did not give XXXX XXXX on XX/XX/year> to pull my credit report. This is a fraud inquiry on my Equifax Credit Report.
Product: Credit card or prepaid card

I paid for a cruise with my TD visa card. 
The cruise was interrupted and returned to original port ( XXXX ) I had additional cost {$7400.00} for airline back to XXXX  as the cruise was to end in XXXX and our tickets from XXXX to XXXX were unrefundable. 
Paid with TD visa {$6500.00} XXXX XXXX Visa paid me {$5500.00} on XXXX XXXX and retrieved from my Credit card account {$5500.00} on XXXX XXXX I called to find out how they did this without my consent, they advised that I did not respond to information requested. 
We moved back to XXXX because of the Covid 19 and did not get the mail or telephone calls, as they left all messages in my XXXX  home. 
When I called to explain, they said the case was closed. 
I immediately faxed all the information I thought they would need and asked for them to open this case as I never received any request. 
I have thusfar faxed 4 other times asking to repay my claim with no success. 
my claim was for {$6500.00}, but now am questioning if I should also claim the additional {$7400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : 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

XXXXXXXX is reporting that I owe {$440.00} on my credit reports. I HAVE NEVER RECEIVED ON BROUGHT ANY ITEMS FROM XXXX/XXXX THIS OS NOT MY ACCOUNT
Product: Debt collection

Company is reporting to my Credit report yet has never provided me proof of Debt. I have asked for this numerous times
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a regular inquiry on my XXXX  Credit report from Firstmark Services XXXX that I didn't authorize. 

After contacting Firstmark they reported that I never did the inquiry but requested additional information ( subscriber code ) that is not available in the XXXX credit report. 

Since I can't provide this information. XXXX guided me to file a FTC complain and report the complain number back to them to take further actions. 

Here is the information about the regular inquiry on my XXXX credit report : FirstMark Service XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested on : XX/XX/2021 Inquiry Type : Individual
Product: Mortgage

The company that services my mortgage is Mr. Cooper. This company has proven to be incompetent, unreliable, and untrustworthy regarding the servicing of my mortgage. Here are some of the issues I have had with them : My XXXX homeowners insurance premium of {$2800.00} was due by XX/XX/XXXX. Mr. Cooper did not pay that premium in a timely manner and my homeowners insurance policy was cancelled due to nonpayment. ( I had to contact my insurance agency to work on my behalf and eventually the policy was reinstated. ) In XXXX of XXXX, after an Escrow analysis showed there was a shortage of {$3700.00} in the account, I called Mr. Cooper and asked if I could pay the difference for that Escrow shortage so that my mortgage payment would not increase. The agent advised me I could do that, so I paid that {$3700.00} over the phone to her, and I specified that that money was to be applied to the Escrow account. However, that money was mishandled and incorrectly applied as XXXX separate mortgage payments -- XXXX in the amount of {$1900.00} as a " monthly payment '' and XXXX in the amount of {$1800.00} as an " additional principal '' payment. When I called Mr. Cooper to have them correct the error, I was told that they could not fix it because it was too late. After speaking with different people over the course of several days and pushing for them to correct their error, they finally corrected the error and applied that {$3700.00} appropriately to the Escrow account. 
My XXXX homeowners insurance premium of {$4100.00} was due by XX/XX/XXXX. Mr. Cooper did not pay that premium and my homeowners insurance policy was cancelled due to nonpayment. I called Mr. Cooper and an agent apologized and advised they would overnight the check to my homeowners insurance company. 
When Mr. Cooper paid that late XXXX homeowners insurance premium, it did so XXXXpaying {$4100.00} on XX/XX/XXXX and then paying {$4100.00} again on XX/XX/XXXX. As a result of their overpayment, there is now a negative balance in my Escrow account. 
On XX/XX/XXXX, I received a check from my homeowners insurance company for the {$4100.00} overpayment mentioned above. I called Mr. Cooper and was advised that I should cash the check, make an Escrow payment in that amount on the website, and then call them to advise I did so. I am not at all confident that when I make that payment as an Escrow deposit it will be correctly applied to the Escrow account. Instead, I am afraid it will once again be applied incorrectly.
Product: Credit card or prepaid card

I purchased an American Express gift card in the amount of {$340.00} ( I paid {$340.00} total including the fee ) at the XXXX store in XXXX XXXX, CA, on XX/XX/XXXX. Then somebody fraudulently used my card ( even though the physical card had always been with me in my wallet ) in the city of XXXX, CA, at XXXX. The purchase amount was {$320.00}, it was made on XX/XX/XXXX, at XXXX XXXX. Pacific time. 
Transaction reference # is XXXX The store transaction number is XXXX I contacted both the Merchant and the card issuer. The merchant was NOT willing to help me at all. American Express representatives kept sending me back to the merchant. So it was a vicious circle for me. Amex rep gave a me a transaction reference #, and suspended my card with the remaining balance of {$16.00} I talked to AMEX representative named XXXX, his ID # is XXXX a few times on XX/XX/XXXX. And once again, he confirmed that American Express can not initiate a dispute with a merchant on my behalf, since a gift card was involved. 
So as a consumer I do not feel protected at all. I paid my money, American express received it, the merchant did, but it was NOT me who received a service or product. I just paid for some fraudster.
Product: Debt collection

I am corresponding with you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with a document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report. I did not receive any validation/verification documents which is a violation of FDCPA.
Product: Debt collection

There are 2 pending collections on my credit report for approximately {$2500.00} each from Deville asset management in XXXX XXXX Texas. These debts are currently being tried in a court of law under the workers compensation act. During my workers compensation case ( still currently pending ) i did a vocational rehab program to get back to work after my injury. These bills are private loans from the school that are part of the workers compensation case and by law can not be collected. I have asked them to remove these from the credit bureaus over a year ago. My lawyer has sent them a letter in XXXX of 2019 and i have filed a dispute with the credit bureaus. They have ignored the letter from my lawyer and responded to the credit bureaus saying their claim was filed correctly. 
If they do not remove this from my credit report within 30 days, i will pursue legal action.