23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number Unavailable Charge Card XXXX Phone Number Unavailable Charge Card XXXX XXXX XXXX XXXX XXXX ) XXXX Secured Loan XXXX  ( XXXX ) XXXX Charge Card XXXX XXXX XXXX XXXX ) XXXX Debt Buyer XXXX XXXX XXXX Phone Number Unavailable Credit card XXXX XXXX ( XXXX ) XXXX Charge Card XXXXXXXX XXXX XXXX ( XXXX ) XXXX Credit card XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX WAY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX
Product: Mortgage

I AM ATTEMPTING TO AVOID A FORECLOSURE SALE AND I HAVE APPLIED FOR MORTGAGE ASSISTANCE. MY SERVICER, SELECT PORTFOLIO SERVICING ( SPS ), IS PROCESSING MY REQUEST FOR MORTGAGE ASSISTANCE. IN A LETTER DATED XXXX XXXX, 2015 SPS REQUESTS ADDITIONAL DOCUMENTS FROM ME AND IN THIS LETTER THEY PROVIDE A XXXX/XXXX/2015 DEADLINE. IN ANOTHER LETTER DATED XXXX/XXXX/2015, SPS NOTIFIES ME THAT THEY HAVE SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/2015. ON XXXX XXXX, 2015 IN A PHONE CONVERSATION WITH SPS, A REQUEST WAS MADE THAT SPS RETRACT THE LETTER NOTING THE SALE DATE IN WRITING VIA EMAIL. THAT EMAIL OR RETRACTION HAS NOT BEEN RECEIVED. SPS IS ENGAGED IN DUAL TRACKING AND PREFERS TO PROFIT FROM THIS METHOD. THEY PRESENT A FACADE OF HELPFULNESS SO THAT THEY CURE LURE HOMEOWNERS INTO FORECLOSURES.
Product: Debt collection

In 2019 of this year, I noticed a alleged debt was placed on my credit report ( s ) from named debt collector in the amount of {$1800.00} from XXXX. I never received proper information stating this debt was mine or that i signed anything. A copy of a phone bill isn't proof of ownership of debt.I know my rights as a consumer.I disputed this alleged debt to credit bureaus but haven't shown proper verification that this company is allowed to collect alleged debt.
Product: Debt collection

Name of Creditor : SECURITY FINANCE CORPORA Address : XXXX : XXXX, XXXX XXXX XXXX : SECURITY FINANCE CORPORA Amount : {$490.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 reported in those account to be removed.

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.

XXXX 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: Mortgage

NewRez ( a debt collector and who handles my mortgage payments ) received two payments on XX/XX/XXXX ( from a closed bank account - I will call XXXX XXXX for {$1100.00} and one on XX/XX/XXXX ( from a new bank account - I will call Bank B XXXX also for {$1100.00}. This was 2 weeks early for a XX/XX/XXXX due date. XXXX account was closed and had a XXXX balance, so the money came back as NSF by NewRez ( which is a XXXX error for not properly closing my account on XX/XX/XXXX in person, as I requested ). XXXX then accidently requested back {$1100.00} from XXXX. XXXX sent the money to XXXX that I had sent to them from Bank B. XXXX now shows a balance of {$1100.00} ( again which should have been closed with a XXXX balance ). 

NewRez knows which financial intuition they are receiving money from. If XXXX requested monies, they can not send monies from Bank B to XXXX. This is fraudulent. 

This has caused a snowball effect or errors, having no monies now for my XXXX payment to NewRez ( from Bank B ). They then applied {$1100.00} XXXX payment ( from Bank B ) to XXXX, {$1100.00} XXXX payment ( from Bank B ) to XXXX. I finally caught it in late XXXX. XXXX has admitted they made several mistakes and a letter stating their mistakes was submitted to Newrez on XX/XX/XXXX. 

I submitted to NewRez several copies of XXXX statements, a XXXX letter, Bank B statement, and an email stating all facts to NewRez. 

I have been to XXXX to correct issues in person and made more than six phone calls to discuss this situation. 

I asked that NewRez reverse all improper late fees and NSF fees that total {$100.00}. I also ask them to reverse the late payment/missed payment that was sent to all credit agencies. This XX/XX/XXXX payment was actually several weeks early ( paid on XX/XX/XXXX ), not late. They have not excepted any responsibility for fraudulently transferring my money to an account it didn't come from. A proper fine should be applied for an improper handling and fraudulent transfer of funds. 

I ask that XXXX also pay me some type of restitution for the hours and hours of work and time I have invested in a problem that was fraudulent and avoidable on their part. They need to cover the NSF fees and late fees that were accessed by NewRez. 
They also need to contact all credit bureaus to ensure this does not effect my credit with any credit reporting agency with improper late payments and missed payments. 

NewRez refuses to reverse any improper charges. And they refused to correct a " late '' payment ( s ) that was reported to all credit agencies. 

XXXX is waiting for NewRez to fix everything. They also have said they cannnot even call NewRez due to privacy laws.
Product: Credit reporting

I have multiple inquiries from he following companies - i did not authorize these requests for credit. I 'm attaching the identity theft report - i did not authorize these companies to pull my credit and a lot of the companies are listed as duplicates the companies are as followed : XXXX ( 2 ) XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX ( 5 ) XXXX ( 4 ) XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 ) XXXX ( 3 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) i would like them removed from my credit file
Product: Checking or savings account

Consumer Complaint Against TD Bank Complainant : XXXX XXXX Bank Name : TD Bank , N.A . 
Complaint Category : Account Issues, Estate Management, Fiduciary Duty Violations, Discrimination Summary of Complaint I am submitting a formal complaint against TD Bank for breach of fiduciary duty, negligence, deceptive business practices, and failure to accommodate a visually impaired customer. As the legally bonded administrator of my late mothers estate, I relied on TD Bank for secure and responsible handling of estate matters. Instead, the bank obstructed access to estate documents, misrepresented key account details, and pressured me into financial decisions that could have compromised my fiduciary duties. 

Details of Complaint Denial of Access to Estate Documents My late mother, XXXX XXXX XXXX, maintained Safety Deposit Box # XXXX at TD Banks XXXX, NJ XXXX. 

TD Bank delayed my access for months, falsely claiming I needed a locksmith while concealing a cheaper {$25.00} replacement key option.

Upon finally gaining access, the box was empty, except for promotional flyers, and vault logbooks showed irregularities. 

Failure to Investigate Missing Estate Documents Despite repeated complaints to TD Banks CEO and legal department, they failed to explain how the estate documents disappeared or address discrepancies in access records.

TD Bank refused to provide security footage or a clear response regarding vault activity.

Misrepresentation and Financial Coercion A TD Bank branch manager misrepresented my personal account balance, falsely claiming I had {$2000.00}.

He pressured me to use estate funds for personal debts, violating fiduciary standards. 
Discrimination Against a Visually Impaired Customer As a person with severe glaucoma, I required assistance, yet TD Bank failed to provide reasonable accommodations. Instead, the bank exploited my XXXX, creating unnecessary financial and legal obstacles. 

Laws and Regulations Violated New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-1 et seq. ) Prohibits deceptive business practices.

Americans with Disabilities Act ( ADA, 42 U.S.C. 12101 et seq. ) Requires reasonable accommodations for disabled customers.

New Jersey Law Against Discrimination ( NJLAD, N.J.S.A. 10:5-1 et seq. ) Prohibits discrimination against disabled individuals. 

New Jersey Banking Regulations ( N.J.A.C. 3:1-12.4 ) Requires banks to maintain accurate records.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am urgently filing this complaint against Experian and XXXX regarding the unauthorized sale of the XXXX XXXX XXXX account to XXXX XXXX XXXX XXXX XXXX, and the subsequent inaccuracies and challenges Ive faced in disputing this unauthorized transaction. 

Unauthorized Sale of XXXX XXXX XXXX Account : I recently discovered that the XXXX XXXX XXXX account was sold to XXXX XXXX XXXX XXXX XXXX without any proper notification. This unauthorized sale has significantly impacted my ability to address and dispute the accounts details accurately. 

Continuous Updating of Inaccurate Information : In addition to the unauthorized sale, there has been continuous updating of inaccurate information related to the XXXX XXXX XXXX account on my credit reports. Specifically : The reported last payment was inaccurately stated as XX/XX/XXXX, to XX/XX/XXXX, which is factually incorrect. 
The account status continues to be updated as a charge-off every month, which is inconsistent with the actual account status. 

Dispute Handling Challenges : Despite repeated attempts to dispute these inaccuracies through Experian and XXXX dispute processes, I have faced significant challenges. The disputes have not resulted in the necessary corrections, and the inaccuracies persist, adversely impacting my credit profile. 

Fair Credit Reporting Act ( FCRA ) Violations : I assert that the unauthorized sale of the XXXX XXXX XXXX account and the continuous updating of false information constitute a violation of the Fair Credit Reporting Act ( FCRA ). These actions have created unnecessary hurdles in my attempts to address and dispute the inaccuracies. 

Immediate Deletion Request : I urgently request the immediate deletion of the inaccuracies related to the XXXX XXXX XXXX account from my credit reports by Experian and XXXX. The unauthorized sale and continuous updating of false information are causing severe distress and adversely affecting my creditworthiness. Immediate deletion is imperative given the severity of the situation. 

Transparent Dispute Resolution : I urge the CFPB to ensure a transparent and effective dispute resolution process that guarantees accurate reporting and immediate corrections. 

Compliance with FCRA : I request the CFPB to investigate and ensure that Experian and XXXX comply with the provisions outlined in the Fair Credit Reporting Act. 

The unauthorized sale of the XXXX XXXX XXXX account and the challenges in disputing this information are causing significant distress and negatively impacting my financial well-being. I seek a prompt and comprehensive resolution, including the immediate deletion of the inaccuracies. 

I appreciate the CFPBs urgent attention to this matter and anticipate a thorough investigation and resolution in accordance with regulatory requirements.
Product: Credit reporting or other personal consumer reports

I have contacted the credit reporting agencies XXXX, Experian, and XXXX on several occasions in attempts to correct the errors on my reports. However, there have been little effort in working with me to make the necessary corrections. I am a victim of identity theft and I have sent out the police reports to all of the credit reporting agencies through certified mail and no corrections have been made at all.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I opened an account with Binance.US they collected my personal data including SSN. I found they do not operate in state of Texas. I tried to delete my account but found no option to delete my account from web site https : //www.binance.us/en I contacted customer support to delete my account XX/XX/XXXX. 
support ticket # XXXX. Today XX/XX/XXXX account still not deleted. 

Company operates under XXXX ID : XXXX Problems with company : 1. Company do not respond to customer requests from web site 2. Company support chat takes hours to respond to the question " delete my account '' suggesting to create ticket ( which I already created ) 3. Company does not have customer support phone number available therefore no opportunity to contact it and delete customer sensitive personal account and data ( dob, address, phones, ssn ) -- - Financial companies with no support to request can cause harm to potential customers due to delays or inability to satisfy responses to customers requests could be causing significant financial losses and should not be allowed to operate in US.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Spring of 2018 I got a mortgage from Guaranteed Rate. I used a preapproval from XXXX. Guaranteed Rate performed another preapproval, and then another inquiry in order to process the loan. My conversations with XXXX and Guaranteed Rate led me to believe that all of this activity would only count on my credit report as 1 inquiry if they all happened within 45 days of each other. On my credit report, I have 3 hard inquiries from these approvals and they all occurred within 26 days of each other.
Product: Money transfer, virtual currency, or money service

The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.
Product: Debt collection

I would like to state that I am being harassed and threatened and sued by velo law firm in XXXX XXXX MI. I am being sued for a medical bill from XXXX XXXX fire department from XX/XX/XXXX. I provided my insurance information both primary and secondary to the hospital. the fire department never asked the hospital if I provided any insurance information so they decided to bill me directly. I tried giving them my insurance information so that the bill could be taken care of and they told me that they couldnt take my insurance information before they decided to send it over to collections.on XX/XX/XXXX I received a letter from velo law firm stating that they were going to garnish my checks even after I sent them my insurance information to get the bill take care of I am reporting this law firm because they are violating laws and that they are refusing to corporate with me when I am trying to get my medical bill taken care of. Also I would like to say that the representatives has been very rude to me and hung up in my face numerous of times when I would ask to speak to a supervisor velo law firm told me that my account was under review after giving them my insurance information and stated that they will garnish my checks even after they get the money from my insurance company. I than staked will I be refunded and the representative ignored me and told me that their is nothing that I can do. Also they didnt want to give any alternatives of removing the debt off my credit report, which is affecting my score.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to SAGESTREAM. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried fixing this problem with the company, and the sent me the paperwork to see what this was all about. It is for a bad check in California, which has a statue of limitation of 2 year it 's almost 4 years old. XXXX and Equifax have the account still open. On the invoice it has the check bad in XX/XX/XXXX and it 's been reaged to XX/XX/XXXX. XXXX, Equifax, and XXXX have it reaged.
Product: Mortgage

In XXXX of 2011, after numerous attempts, rejections and after reaching out to them numerous times ( XXXX XXXX ex XXXX ) I finally threatening to take the matter to court and was able to secure a MHA Loan Modification ( acct # XXXX ). At the time, I was in a negative amortization loan with Chase that was going to recalculate, the housing bubble popped and Chase had taken away my line of credit, so I was in fear of losing my home. The person who helped me with this loan ( a real estate broker ) assured me that there would be no deferred interest. It was unclear to me at the time that there would be a balloon payment ( deferred principal balance ) and interest thereon at 2 %. The " New Principal Balance '' and " Deferred Principal Balance '' were absolutely confusing and unfair. 
My business has fallen off greatly ( especially after the Thomas Fire ). I am XXXX years old and unable to work as I have done previously. So once again, I am in fear of losing my home.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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.