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

I am writing in reference to the 30 day late payment marks of XX/XX/XXXX - that TD Auto Finance supplied to the 3 national credit bureaus XXXX, XXXX and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to TD Auto Finance dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted TD Auto Finance via phone but to no avail. 

Finally on XX/XX/XXXX TD Auto Finance acknowledged receipt of payment but they only posted it as a payment received on that date. 

On XX/XX/XXXX I sent a letter with certified mail to TD Auto Finance requesting them to correct the erroneous reporting. ( See attached my letter to TD Auto Finance ) On XX/XX/XXXX TD Auto Finance sent me back a canned letter declining to make any changes. ( See attached the letter from TD Auto Finance ) On XX/XX/XXXX I disputed this late payment mark with XXXX but they seemingly only forwarded my dispute to TD Auto Finance. 

On XX/XX/XXXX I got a response from XXXX that TD Auto Finance once again refused to update my report. ( See attached dispute response from XXXX ) Attachment Summary : 1 ) Copy of my 3 bureaus credit reports circled the erroneous reporting 2 ) Copy of dated check sent for payment 3 ) Copy of Postal Receipt 4 ) Copy of my letter to TD Auto Finance 5 ) Copy of the response letter from TD Auto Finance 6 ) Copy of response letter from XXXX
Product: Checking or savings account

All possible Documentation of Unauthorized activity unauthorized purchases/transfers and identity theft Including Pdfs and images of the following Official records two emails accounts Including one belonging to chime account ( XXXX ) and the belonging password were both Officially involved in data breaches Security alerts of new logins to emails and cash app Same unauthorized transfers to two emails on both Chime and XXXX proving they were linked, the date those two email transfers on chime happened attempting to communicate to those emails and acknowledging I did not make those transfers and were completely unauthorized Monthly statements from XXXX showing unauthorized purchases and transfers and last 4 digits of my chime cards I had at the time Attempt at the date to reach out to cash app support that never investigated or refunded money despite providing all documentation asked Emails from XXXX support agent acknowledging he can't officially claim cash apps now proven illegal criminal activity Official Government site acknowledging XXXX data breaches and illegal activity As such after all the documentation from different sources I've given proving, that my phone emails and both XXXX XXXX and Chime were hacked were in Official data breaches you can see here and unauthorized purchases and transfers were made to email accounts I then messaged the unauthorized denying consent and authorization of those transfers And now as of XX/XX/XXXX the official government has factualized all my claims I made at the time of account hacks unauthorized purchases transfers data leaks XXXX XXXX and chime refususal to investigate and refund XXXX XXXX XXXX users who went through these things are now official government stated facts And to still Chime deny my claims saying no error was found would be illegal activity too. 
Most thefts were from XXXX XXXX XXXX XXXX XXXX money transfers to unknown emails while I was In the hospital in XXXX and XXXX, All information in the pdfs attached please read i spent hours getting all the info and please help make this right
Product: Debt collection

On XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I keep getting calls from the MCM Credit company for my Daughter. I told them I don't know anything about where she is, etc. I asked them to STOP Calling! Blocked the phone number and they keep calling at XXXXXXXX XXXX. Phone number : XXXX. He would not let me tell him that I was not her, and not to call me anymore. He kept talking over me, and called me XXXX XXXX 
PLEASE make them stop!
Product: Checking or savings account

XXXX processed a transaction for a total XXXX - I explained that transaction was not authorized- requested video documentation or any other material/proof. They have declined and not replied to my 3 emails. 
I disputed this with Navy Federal Credit Union. They reply with Information related to other transactions and have failed to provide the provisional credit that should be applied in accordance with Reg E. Over the counter electronic transaction
Product: Debt collection

I had a landlord insurance with XXXX from XXXX. My payment were on auto using my credit card so I don't miss payments. Back on XX/XX/year>, I canceled the policy. Please find the cancellation request. I received a call from CCS payment asking that I owe {$49.00} with XXXX. I thought it was those scam companies who collect money from people. I received a letter from CCS Payment XX/XX/year> that I owe a {$49.00} to XXXX. 

Point : XXXX XXXX could have used my payment file, which was an autopay, to recover if there was a due. I didn't receive clear notification ; at least an email from XXXX would have been enough to sort this. They violated federal law by not informing me correctly if there was a due. I was under the impression that if there was a due, they would have taken from my payment on file. They didn't, in fact, not send an email either. 

Now, CCS Payment is a credit collection agency, and before involving them, my credit history could have been affected. Not once in my life have I owed a single bill to anybody. This was not only an embarrassment but also violating my rights. XXXX should be informing me they are sending it for collection and a due which I was never aware about it. According to me, the cancellation was processed on XX/XX/year>, and if there was a due it would have been processed. They didn't inform me anything about this and simply sent my file to CCS for payment.
Product: Bank account or service

TD Bank has a TD GO Card. They started charging inactivity fees. They reversed the fees initially and said they would be charged within 12 months. XXXX the supervisor refused to fix the fee.
Product: Credit card

Someone in XXXX apparently contacted XXXX and used my credit card number to subscribe. I do not know how they got the number because the card was not out of my possession. 
Chase Bank contacted me via computer telephone message telling me that I owed about {$60.00} or some such amount. I then followed prompts to speak with someone at the bank. I told them I knew nothing about why I would have any balance because I had not used the card for years. They had also tacked on late charges -- since I never received a bill of course I had not idea that any money was owed. I contacted XXXX after being told that the charge for XXXX. They told me that someone in XXXX had given the number. They asked me if I knew anybody in XXXX. Never been there and never known anybody from XXXX. 
Finally at one point Chase admitted the charge was fraudulent but they had not removed the late charges for the unpaid bill, a bill I had never received and had no way of knowing that someone in XXXX had used the number. 
A couple more phone calls to Chase did not resolve the number. The last time I was switched to XXXX different people becuase nobody could remove the late fees on the fraudulent charge. I have spent several phone calls and many minutes, all because Chase is not willing to remove charges, even after they admit them to be illegitimate,. This organization is unlike XXXX XXXX or XXXX XXXX XXXX in dealing with fraud issues. Never have I been treated so shabbily because some merchant accepted my credit card number for a fraudulent charge. IThis company does not deserve my business but I have heard that closing an account such as this will lower my credit score.
Product: Checking or savings account

Hi there! 

Timeline : XX/XX/XXXX : A cheque for {$1200.00} was deposited into an Associated Bank account ( number XXXX ). 

XX/XX/XXXX : There was an issue with the cheque, and the account was closed. The amount for the cheque was withdrawn from my account via security case XXXX. Please see image 1, rejected cheque. 

In the meantime, representatives for Associated Bank assured me that the money would be returned to the original account. After verifying with the cheque 's maker, it was not returned. 

XX/XX/XXXX : Initial outreach email to resolve the issue. Please see exhibit 2, Associated Bank Email. 

XX/XX/XXXX : XXXX, the representative from Associated Bank, was initially helpful, and noted that they had reached out to XXXXXXXX XXXX XXXX  to return the cheque. 

XX/XX/XXXX/ XX/XX/XXXX : Multiple attempts to reach XXXX failed, as the maker noted the cheque was not returned. 

XX/XX/XXXX : XXXX XXXXXXXX XXXX noted that they did not receive any funds from Associated Bank based on the rejected cheque. Please see exhibit 3, XXXX XXXXXXXX XXXX Response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit, I am submitting this affidavit for inquiries, address and name and account that are being report to my credit report.
Product: Mortgage

We refinanced our VA loan that we had with Freedom Mortgage. We had an existing loan with them. In our Escrow account we had {$2100.00} at the time of refinance. We were told that balance would be transferred into the new loan. We were concerned because our taxes were due in XXXX, and we did this refinance in XXXX. I was assured by everyone we spoke to that the money would be transferred. Well, the loan closed, and the money was never transferred. I started calling in XXXX. Was told by numerous people the balance was in our account and would be transferred. They paid taxes our account the showed a negative {$1800.00}. We called several more times and sent emails. Never a answer always told someone would get back with. Freedom Mortgage has the worst customer service. No one ever gives you an answer. They transfer you to someone else or hang up on you. Also, very unprofessional when you hear babies crying and dogs barking in the background. That tells you the people you talk to do not know what they are doing. This process was supposed to save us money but will cost us more. We will have to pay the negative amount in the escrow account, or our payment will go up by several XXXX dollars. It has been a mess and continues to be. I would not recommend Freedom Mortgage to another veteran.
Product: Money transfer, virtual currency, or money service

To whom it may concern : My name is XXXX XXXX & my email address is XXXX - I am sure its aware that you had more dealings with me during the Obama admin. Speaking of him, I have to also be realistic as everyone from news to ppl on the street continue saying, if you do what you do how many people really know what you do. For myself, one day during Obama, I go on your site and it was the first one I ever seen that said an official site of the United States govt.. From my prior experience, I wrote to you regarding private companies and state governments. I think that so much of what I do, obviously I have no idea that my future consists of xyz. I still go through craziness but have to remind myself that not only dont I have one tattoo on my face saying XXXX - but even here in XXXX XXXX, where I think anyone walked right by me could be XXXX and Im sure a few were. But the thing neither you guys and others will never get is that in that oath that many take to protect from enemies far and within, you do get how no one having an inkling I am XXXX, treat me like as they treat everyone but when my agency uses its ability to control realities, to control mine and an experience that I experience whatever I do not even an inkling of having the Supreme Court rule if its constitutional or not. Post XXXX, anyone or any company that i complained to you about, you took care of the situation. Yes Im XXXX but in this world that I have to just understand that if what I experienced was XXXX up and as with Obama and others would say that I am as fair as it gets, for someone who is known to have no rules or laws to live by, why dont I just get this issue fixed? Here goes. 
You know coinbase.com / last week, I lost one of my XXXX  here in XXXX. I called coinbase to temp disable access to my account until I tell them further. For the past week, I changed my coinbase password some six times. Id go two days of their automatic messages saying since covid, theyve been getting massive amounts of phone calls and either tell me they will call me back and never do. The other option Ive received is just hanging up on me. Isnt their its not a right but its closest to a right, its us law. Isnt their a us law that states financial institutions that knowingly and wilingly holds a client from their funds then in my world, that financial institution has no place in our society. I literally have like XXXX in that account and it doesnt matter if its XXXX dollar or XXXX XXXX coinbase sent me an email that I attached to this and says, your acct recovery process is done, just change your password and youll be logging back into your account. Its been eight days that coinbase, knowingly and willingly held me from my funds. Its a national emergency with covid and its an emergency for. Me to gain access to my account again.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my life and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled a credit report from Equifax. No reported late payments. Then there was a negative information area. Says there are 4 negative items affecting my credit. Don't recall these items so I was going to dispute them for accuracy. On the negative information box, it states four accounts.

1. XXXXXXXX XXXX XXXXXXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4 . XXXX. XXXX XXXX. 

1. XXXX Account ending in # XXXX. Under payment status it states there were two ; thirty-day late payments. XX/XX/XXXX and XXXX XXXXWhen I try to file for a dispute it is not allowing me to click the box for that correct reason. It states there is, " no report data for this category. '' No sure what to do, I can not dispute it. 

2. XXXX XXXX XXXX Account ending in # XXXX. Under payment status it states there were two ; thirty-day late payments and a 60-day late payment. XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXXWhen I try to file for a dispute it is not allowing me to click the box for that correct reason. It states there is, " no report data for this category. '' 3. XXXX XXXX account ending in # XXXX. Under payment status it states there is one thirty-day late payment. XXXX XXXXWhen I try to file for a dispute it is not allowing me to click the box for that correct reason. It states there is, " no report data for this category. '' 4. XXXX. XXXX XXXX Account ending in # XXXX. Under payment status it states there is one thirty-day late payment ; XX/XX/XXXX and a sixty-day late payment ; XX/XX/XXXX. When I try to file for a dispute it is not allowing me to click the box for that correct reason. It states there is, " no report data for this category. '' That being said those are listed as negative. But on another part of my credit report is states 0 late payments for all these accounts listed above. I will provide attachments of what I see and the steps I take to resolved them with the credit bureau.

In accordance with the law, 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER PLAN AS LATE FOR ANY PURPOSE. 

15 USC 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

Also, In accordance with the fair credit reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX. 
have violated my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XXXX $ XXXX XX/XX/year> Used my credit report improperly and without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB and SSN in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called numerous times asking Trans Union to freeze my credit report. They have yet to do so even after 4 separate calls over the past month, starting in XX/XX/XXXX up until my most recent request on XX/XX/XXXX. They have an online method for freezing credit reports. Every time I try to access that it does not work. The online page states that this service is available TransUnion : Monday-Saturday, XXXX XXXX.-XXXX XXXX. CST Sunday, XXXX XXXX.-XXXX XXXX. CST I have tried multiple times and multiples points in the day and have tried multiple times during the past month. The online freeze request always comes back as not available at this time. I have a screenshot showing it stating " TEMPORARILY DOWN ''. It is always down. When I call to inquire about this, they just bounce me from person to person. I have no idea who to send a letter to in this regard. I could only find the Fraud Assistance Department mailing address, so I did send a letter there. No answer My score continues to go down and down because companies keep hitting my report. My only recourse is to block this / freeze the report and they do not seem capable of making that happen. I believe it is my right to have my report frozen and I should not have to ask for over a month and still be asking.
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 : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding to Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting Significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allow repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute and demand the immediate deletion of fraudulent accounts associated with my name and personal information XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Dear SageStream , LLC Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX
Product: Debt collection

This agency just added a new collection on my credit file. This is unknown, inaccurate and I did dispute and request validation and nothing again received.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I am of sound mind and competent to handle my own legal affairs. 
I am THE CREDITOR and given the right by god himself 15 usc 1635 i have the right of rescission of any and all contracts, anything undisclosed within the contract violates the contract, without proper understanding and full disclosure and a meeting of the minds. 

REMEDY REQUESTED : In short I am requesting that this account be deleted due to the fact that I rescinded my signature from any and all contracts with your company and 15 USC6802 gives me the right to opt out of any reporting. 
Anything after the acceptance of this letter is going to be considered 15USC 1602 ( p ) unauthorized use and i will be charging {$300.00} a day for the use of my private intellectual property ( My NAME and SS # ). 
If no remedy is provided then you accept the consideration i gave you to pay me {$300.00} a day and you stand in agreement that I will pursue action in small claims court for remaining balance. 
Time is of the essence : you have 30 days to remove and or pay damages for defamation, malicious negligence and these are going to be considered your agreement to pay me liquidated damages.