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

I opened a new saving account with TD Bank on XX/XX/XXXX. At the time, TD bank was running a {$200.00} promotion, and the requirements were 1 ) deposit {$20000.00} or more in new money within 20 days 2 ) maintain a balance of at least {$20000.00} for 90 days. 

I deposited {$20000.00} on XX/XX/XXXX and keep the balance till now ( XX/XX/XXXX ). It has been more than 150 day, I haven't received the bonus yet. I contacted the TD bank in XXXX and XXXX, the bank told me the case is under the review. 

TD bank never follow up with me. I have no idea why it take so long. Given that I hit a wall and tried to resolve the issue with the bank, I decided to file a CFPB complaint.
Product: Mortgage

I have communicated with  XXXX  from bayview loan servicing on  XXXX / XXXX /   2017  and told her that bayview loan servicing is doing fraud by charging me for insurance and not paying  XXXX  insurance.     In  XXXX   2017  I got a call from my insurance agents office stating that they havent received a payment for the insurance in the sum amount of  XXXX   XXXX .     Consequently I made a payment of  XXXX  and this is reflected on my credit card statement.     I have asked bayview loan servicing to please pay my money back plus the interest that they have charged me.     But the attitude of bayview loan servicing is like of a  XXXX . They are stubborn and they dont want to resolve their mistakes
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/2020 I Initiated a XXXX $ transfer from cashapp to my bank account ( chime ). Cashapp told me my funds would arrive on Tuesday XX/XX/2020. Cashapp took the XXXX $ from my cashapp & never deposited in my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed below are fraudulent accounts and doesn't belong to me. 
They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX RECEIVABLES PERFORMANCE # XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$1500.00} I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX XXXX, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( 01 XXXX  XXXX  ) no contract existdebt can not be collected twice ; this against the law.

... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow.

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Money transfer, virtual currency, or money service

NOBODY ANSWER THE CONTACT INFORMATION NUMBER. 
NO CLEAR HOW YOU CAN CANCEL A TRANSFER IN PROGRESS. 
INFORMATION ABOUT CANCELING A TRANSFER NOT AVAILABLE IF AVAILABLE NOT CLEAR HOW TO DO IT. 
THEY MAKE IT DIFFICULT TO CONSUMERS HOW TO NAVIGATE TO CANCEL A TRANSFER. 
SENT MY TRANSFER ON XX/XX/2020 THEY PROMISED DELIVERY ON XX/XX/2020 TODAY DATE IS XX/XX/2020 MY TRANSFER STILL IN " PROGRESS " NOBODY TO ANSWER MY PHONE CALLS NO WAY TO CONTACT SOMEONE TO ANSWER ABOUT THIS PROBLEM. 
TRANSFER BEEN ON " PROGRESS '' FOR 5-6 DAYS. 
NO WAY TO CONTACT THEM AT ALL. 
I KNOW THEY COULD DO BETTER! 
ATTLY : XXXX XXXX
Product: Student loan

I have a student loan serviced through FedLoan Servicing Credit. The High Credit is reporting incorrectly. My balance is {$720000.00} and my High Credit should be equal to that as this is the amount I was approved for. Instead my High Credit is listed on my credit report for this account as {$590000.00}. It is causing a significant decline in my credit score because it looks as though I owe more than I was approved for.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX contacted equifax to correct issue with incorrect info on credit reporting of acct ending in XXXX and equifax refuse to correct issue. they where contacted by XXXX XXXX at XXXX XXXX XXXX. she is a senior executive resolution specialist within the corporate office of XXXX. but the will not correct info
Product: Mortgage

The mortgage was paid off XX/XX/20 and they have refused to return my escrow account money ( {$7000.00} ). I have repeatedly called and have been stalled and mislead. First they said they had already paid the county ( ~ 2 months early ), my new mortgage lender confirmed that the county had not received payment form the NewRez LLC / dba Shellpoint Mortgage Servicing or their agent. On XX/XX/20 I spoke with XXXX XXXX in the XXXX SC office and she told me I would have the money by XX/XX/20 -- I did not receive it. On XX/XX/20 I spoke with XXXX XXXX and she assured me they would have the balance transformed by ACH, on XX/XX/20 I spoke with XXXX XXXX and she told me that, in fact, the money was not sent through ACH rather, a check had been sent out on XX/XX/20. On XX/XX/20 I spoke with XXXX XXXX ( who said she is not in an office, she is " just a customer service rep '' ) and she told me she was going to void the check and promised me the money would be in my account XX/XX/20. On XX/XX/20 the money had not arrived so I called again and first spoke to " XXXX '' in Michigan and then was transferred to XXXX XXXX in XXXX who told me the money was supposed to be in my account but refused to do a wire transfer. I then sent notes to : XXXX XXXX, President at Shellpoint Mortgage Servicing XXXX XXXX, Executive Vice President at Shellpoint Mortgage Servicing XXXX XXXX, General Counsel at NewRez LLC XXXX XXXX, Senior Vice President Shellpoint Mortgage Servicing Informing them of the situation and sharing that my only recourse is to file a complaint with the CFPB. I have not received any response from any of them. My understanding is that they are obligated to return escrow payments and treatment of escrow account balances in a timely manner under 1024.17 ( k ). It appears that they do not feel a need to abide by this and instead kept the money well past the 20 days.
Product: Credit card or prepaid card

Signed up for an XXXX Credit Card with Chase. Met the spending the requirement to get the promotion miles bonus. Earned around XXXX miles which showed in credit card Statement. However, those miles never posted to my account. Called three times in XX/XX/2018. Sent secure message in XX/XX/2018. However, the problem is still not solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Consumer Finance complaint previously with XXXX XXXX regarding account XXXX. They responded and stated they would have the account removed from the credit bureaus, but when I check my Experian report the account is still showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I submitted a dispute to Experian for multiple hard inquiries on my report that I did not recognize nor authorize. Experian did not reply by mail so I was unable to see the results. When pulling my updated credit report, I show the unauthorized inquiries have not been removed. On XX/XX/22 I contacted each unauthorized inquiry creditor and was transferred to multiple departments each time with no representative able to find any record of my information, authorization for a credit application, or an application on file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date of birth XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Dear Experian : ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several frauds/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations. 
Warm Regards, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Bank, account XXXX. XXXX XXXX XXXX, account number : XXXX. And XXXX financial services, account number : XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$260.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXXBalance XXXX {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$380.00} XXXX XXXX XXXX  XXXXBalance : {$0.00} XXXX  XXXXBalance XXXX {$74.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a email to Experian stating a hard inquiry was not authorized. They contacted me back with a stall letter via email stating that they did not believe it was me, to send identification which was sent originally. I sent a follow up letter stating it was me with the identification with the report number. They have contacted me once again with the same email.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau I am disputing XXXX late payments on accounts XXXX and XXXX. I have filed a police report. Report number XXXX and take the necessary precautions. 

Under the Fair Credit Reporting Act ( FCRA ), inaccurate reporting is illegal. Please provide proof of your investigation, including all records of individuals contacted, their business addresses, names, and phone numbers, and documentation confirming the late payment status. 

If you can not provide this information within 15 days, please update the accounts to PAID/NEVER LATE and send me an updated credit report. 

Thank you for your prompt attention.
Product: Debt collection

I called to try to settled a debt collection with the agency. The first lady name was XXXX XXXX. She was extremely rude and would not let me make a payment. She talked down to me, had an attitude, talked over me while I was asking questions, and she also hung up in my faced. I called a second time and asked to speak to someone else. The XXXX lady was even more rude and had an attitude and also hung up in my face. I ended up calling a total of 7 times and still received horrible service and still did not get to make a payment. They would not give me a new agent to handle my account and basically thought it was funny. I 'm appalled and feel very disrespected because I sincerely was trying to make a payment to get it resolved and they refused to accept the amount I was willing and able to make today and told me that I could not pay anything under {$1000.00}. It was a horrible and frustrating experience that resulting in me not being helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed numerous accounts and a bankruptcy with XXXX  on XXXX and they reported that there was no bankruptcy and no negative accounts on my report. I disputed the same with XXXX, XXXX, and Equifax on XXXX. An investigation supposedly done and nothing changed. I even called XXXX and equifax. I spoke to XXXX XXXX a supervisor from XXXX which did not give me his ID and refused to give me anything else but his name. I asked him for the method of verification if there was in fact an investigation done and he had no information about the third party used and all he had was a phone number in which in fact wasnt even a third party number in which they use to verify. He said no information was on file about their method of verification. I called equifax and same scenario no third party information was given and just gave me the same number in which is not a third party. The number was from a court in which do not share nor provide any information to credit companies.

According to the law 15 us 1681 ( a ) consumer rights to privacy was infringed upon and 15 us 1681 ( b ) ( 2 ) I did not grant or give written instructions nor permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I sent a dispute to Barclays and XXXX to remove two ( 2 ) inquiries made by BARCLAYS BANK DELAWARE. Barclays sent me a letter in response stating they have completed their investigation and made the decision to remove the hard inquiries from my XXXX credit report and to allow up to 1 month for the change to reflect on the report, it's been almost 4 months and the inquiries still on the report. 

The inquiries are the followings : XX/XX/2023 BRCLYSBANKDE ( BARCLAYS BANK DELAWARE ) XX/XX/2023 BRCLYSBANKDE ( BARCLAYS BANK DELAWARE ) I will be attaching a copy of the letter sent from Barclays
Product: Credit reporting, credit repair services, or other personal consumer reports

The details of my complaint are as follows : XXXX XXXX, I am checking on your reaction response dated XX/XX/2017. 

Pursuant to the Fair Credit Reporting Act, you are notified as follows : XXXX XXXX specialists have victimized people with handicaps. 

Past undertakings to rent rental unit have failed or purpose behind Civil Court History have changed.

Common Court History query items ought not be utilized to dismiss applicants.
Product: Credit card or prepaid card

The card you send me is incorrect I didn't Unemployment benefits So I don't need it close Day account because I didn't apply for So I think this a fraud By somebody else Usin my name and so security account Oldest is a fraud on my name
Product: Credit reporting or other personal consumer reports

Account info Account name XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$630.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$630.00} Pertaining to Account XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXITS
Product: Debt collection

After recently reviewing my credit report, I found that there is a collection reported by XXXX that has a date opened on XXXX 2010 and no date of last activity is listed. The amount is for {$290.00} and the creditor is Lamont Hanley & Associates. This debt is over 4 years old and the date of last activity could very well be 4 years as well. The statue of limitations in the state of California for reporting debt is 4 years. This company is in violation of that statue. Also, since there is no date of last activity, I do not know if I owe this amount or if the debt is verifiable. Also, I do not know if this company is licensed to collect debt in my state ( California ). I am requesting that this debt be removed from my credit report immediately.
Product: Debt collection

XXXX XXXXXXXX XXXX Account Number XXXX Dear XXXX XXXX XXXX, I am writing to dispute the debt collection notice I received from your company dated XX/XX/2023. According to the notice, I owe {$630.00} to XXXX XXXX However, I am disputing this debt for the following reason ( XXXX ) : XXXX XXXX XXXX is violating your consumer rights by using false misleading, misrepresentation and deceptive means. XXXX XXXX XXXX has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was incarcerated at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of incarceration I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LAST YEAR I HAVE PULLED MY EQUIFAX CREDIT REPORT WHERE AN OLD ACCOUNT WAS SHOWING FROM XXXX WHICH HAD A NOTE WHICH SAID THIS ACCOUNT WILL BE REMOV ED FROM HYOUR REPORT IN XX/XX/XXXX. THE FIRST DELINQUENT ON THIS ACCOUNT WAS MADE IN XX/XX/XXXX. AFTER THAT THERE WAS MY PAYMENT EVER MADE ON THIS ACCOUNT AND IT WAS CHARGED OFF. IN XX/XX/XXXX EQUIFAX REMOVED THAT NOTE FROM MY ACCOUNT AND THEY DID NOT REMOVE THIS ACCOUNT FROM MY REPORT. 
THE SAME INFORMATION WAS REPORTING IN MY XXXX AND XXXX XXXX BUREAU WHICH THEY AUTOMATICALLY DELETED IN XX/XX/XXXX. BY CREDIT REPORTING ACT THEY HAVE NO RIGHT TO KEEP THIS ACCOUNT ON MY RECORD FOR MORE THAN 7 YEARS FROM THE FIRST DELINQUENT MONTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified item listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.