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

TD Bank made unauthorized transfer of {$1500.00} from Saving to Checking that caused my account below {$20000.00}. Then, disqualified me to receive the sign up {$200.00} bonus. When I saw that transaction and the {$15.00} maintenance fee, I send message through the portal. They fixed it by refunded the {$15.00} maintenance fee and assured me that I was still qualified for the {$200.00} bonus on their message dated XX/XX/2020 XXXX attached ). On XX/XX/2020 Saving Statement, there were NONE of the {$1500.00} transfer that recorded ( also attached ). 

Now, through CFPB previous complaint, XXXX XXXX used that unauthorized transfer to disqualify me to receive the {$200.00} bonus. 

On the previous complain with CFPB, TD Bank used the {$19000.00} transfer from Checking to Saving as a reason to disqualify me to get the bonus. They said it was not new money - while the money came from XXXX XXXX for TD Checking and Saving that were opened at the same time ). Finally when they realized it was a weak argument, now they used unauthorized fraudulent transfer. 

Please have TD Bank send proof that the {$1500.00} transfer was really made by the Account Holder. Earlier on, I thought it was just a technical glitch. Unfortunately, it has been used to disqualify me to get the bonus.
Product: Debt collection

XXXX/XXXX XXXX is reporting a claim on my credit report which is showing as a derogatory charge-off with {$0.00} balance- the debt has been paid in full and they continue to report it derogatory. 
I sent a certified letter to the company that was delivered on XX/XX/XXXX as formal notice the claim is disputed. 

First off, I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. In which I requested the " validation '' ; to be competent evidence bearing my signature, showing that I have ( or ever had ) some contractual agreement with the company ( which is my legal right as a consumer ). 

I also made the company aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if they can not validate the account, then they must request that all credit reporting agencies delete the entry. 

I included a second letter in the same certified envelope that was delivered XX/XX/XXXX-to advise the company that this was not a refusal to pay, but a notice that the claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the account they are reporting to the bureaus. And requested proof that I am indeed the party responsible for the derogatory account that they are reporting on, and that there is some contractual obligation that is binding on me to this account. 

In addition, I made clear that the letter is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

As of today, the account and derogatory marks are still being reported to the bureaus and no validation of the account being mine has been provided, sent, or followed up on. 

I have attached to this complaint the 2 certified letters I sent to the company, copy of the delivery confirmation receipt, information/account status being reported by the company to XXXX, XXXX & XXXX as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkers Incorrect information Against me To deny me employment And some of the items that they listed I seven years Old XXXX and other credit They shouldnt be shown
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account numberXXXX is fraudulently and inaccurately being reported on my EXPERIAN AND XXXX credit files. 
Here is my history of the card to the best of my recollection : I originally received the card with a {$300.00} limit.I used the card twice for about {$50.00} each time and I paid on time.About one or two months later there was a charge for XXXX XXXX or something like that in the amount of {$120.00}, charged in XXXX XXXX, somewhere I didn't go.The card had been '' skimmed. '' I cancelled the card and paid a {$100.00} " cancellation fee. '' I got a new card in XX/XX/2014 which I used and paid.When I got the bill, what was on it was not my charges.I called and cancelled in XX/XX/2014.
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute the charged-off status of my account with your company DISCOVER BANK XXXX opened XX/XX/year> with the balance amounting {$1000.00}. I recently reviewed my credit report and noticed that this account is marked as charged off, which is negatively impacting my credit standing. I would like to request the deletion of this account from my credit report, as I believe there may be an error or extenuating circumstances that justify this request. 

I am requesting the deletion of this account for the following reasons : Incorrect Reporting : I believe the account was reported inaccurately or that there may have been a misunderstanding regarding the status. [ Explain briefly if there was a dispute, settlement, or if the charge-off was reported incorrectly. ] Payment Made After Charge-Off : [ If applicable, mention that you paid off the account or reached a settlement after the charge-off. Include any relevant details or agreements you made. ] Attached are copies of payment receipts and any other documentation proving that the account has been settled or paid off.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

The debt collector begins to call me the day after a payment is late and calls me non stop every XXXX hours demanding I make a payment. This has been going on for months now of non stop abuse. As soon as I make the payment the calls stop.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by : 15 USC 6801- which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title.

According to the Fair Credit Reporting Act 15 USC 1681 section 602a - states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 1681 section 604a section ( 2 ) - states that " In general Subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) - states that " A financial institution may not disclose nonpublic personal Information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.

Not only that 15 USC 1681C ( a ) ( 5 ) - states Except as authorized under subsection ( b ), 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.

This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) - states " 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.

15 U.S. Code 1681e - states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX, XXXX and XXXX are not maintaining reasonable procedures.

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Privacy Act of 1974
Product: Credit reporting or other personal consumer reports

I recently have had credit cards and loans opened in my name without my permission. All of these are unauthorized by me and should be removed immediately. 
XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX 2023
Product: Debt collection

I cancelled service with XXXX due to poor customer service, poor phone coverage, and had a second user whom I did not know on the phone number XXXX which was supposed to be a unique number for me. In short, I received text messages from XXXX for sales pitches that I did not request and specifically requested by text and by mail that XXXX not contact me via text with any sales pitches due to the limited memory of my phone and my need for text messages due to hearing loss. I also received several pornographic pictures though it is not clear where those pictures were sent from as no phone number was attached. I informed XXXX that I would cancel my service if any more text messages were received and if they did not clear up the second user of that same phone number. I did NOT have a contract as my phone was my own and I paid for monthly service. I have now received a dunning notice for ERC claiming I owe {$160.00} for XXXX, and I also received a phone call from someone claiming to be from XXXX on XXXX XXXX at XXXX XXXX from XXXX requesting payment. I NEVER owed {$160.00} and this would be for multiple months after I cancelled service with XXXX. I am really pissed that this substandard company with documented complaints continues to harass me.
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX, XXXX OPENED ON XX/XX/XXXX, XX/XX/XXXX FOR {$1500.00} and XXXX ON TRANSUNION, XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX. XX/XX/XXXX FOR {$1500.00} AND XXXX ACCOUNT NUMBER : XXXX ON XXXX  ON XX/XX/XXXX FOR XXXX and XXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE MAY HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.
Product: Debt collection

This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports.  The item ( s ) listed below are as follow : XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX XXXX # - XXXX XX/XX/XXXX XXXX  ACCT # - XXXX XX/XX/XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXXXXXX ACCT # - XXXX XX/XX/XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX XXXXL ACCT # - XXXX XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX  ACCT # - XXXX XX/XX/XXXX XXXXXXXX XXXX ACCT # - xxxxxxxxxxxx XX/XX/XXXX XXXX XXXX ACCT # - xxxxxxxx XX/XX/XXXX XXXX XXXX  ACCT # - xxxxxxxx.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been fighting to remove these accounts that have been open without my permission its been removed off of my XXXX and experian but still showing on my XXXX XXXX, the account is from Account Name XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} i also have a problem with my experian report which is simular to my problem with XXXX report, its shown a negative account thats not mine or on other reports i dont own this account either XXXX XXXX XXXX {$660.00} Credit limit {$500.00} {$0.00} Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the results of your first investigation, Equifax stated in writing that they verified that the item is being reported correctly? Who verified the account? 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A )
Product: Student loan

XXXX XXXX, with National Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contacted me stating they received a private student loan collection account from a previous company. I asked them to provide the original debt documentation with my signature & all payments I paid to the previous company applied to the debt. They state they have that information to provide me but that I should charge the balance they have on file to a credit card account or borrower the money. XXXX is rude using forceful language using threat tones. He has called old employers ( I no longer work for ) and family member numbers XXXX  online using my name. I have the recordings. I will not be forced to pay a debt without proof I asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX2020 I received a letter from XXXX that said they have deleted a bankruptcy that they previously reported. I contacted XXXX  and transuion of this deletion letter and submitted a copy of the letter asking them for verication on XXXX XXXX2020. I also sent them a letter sent from the burueas stating XXXX is where they verified this information. along with a copy of the deletion letter from XXXX. XXXX  sent out response. Stating the item will remain. trans Union has yet to respond. I asked for both burueas to verfiy this item.
Product: Mortgage

I refinanced my XX/XX/XXXX ARM on XX/XX/XXXX because I understood the rate would reset for the first time on XX/XX/XXXX. When Mr. Cooper refunded the payoff overage, I found it short by more than {$550.00}. I determined that Mr. Cooper had reset the ARM interest rate on XX/XX/XXXX, despite Mr. Cooper 's continually stating in documents and phone calls that a ) the rate would reset on XX/XX/XXXX, and b ) since the payoff statement ran from XX/XX/XXXX-XX/XX/XXXX the reset rate was shown but would be adjusted to 2.5 % until XX/XX/XXXX. My wife and I have requested this interest error to be refunded in phone calls and emails. Mr. Cooper has denied my request and has failed to respond to my wife 's last email. 

1. Nationstar Mortgage llc d/b/aMr. Cooper took over loan servicing of my XX/XX/XXXX ARM in XX/XX/XXXX. Every statement issued by Mr. Cooper from XX/XX/XXXX through XX/XX/XXXX prominently stated my interest rate of 2.5 % until XX/XX/XXXX. However, Mr. Cooper changed my rate to 4.875 % on XX/XX/XXXX. The reset date is clearly XX/XX/XXXX, or alternatively, these are 16 clear violations of Reg Z Sec 1026.41 ( d ) ( 7 ) ( iii ). 
2. Mr. Cooper failed to issue a statement in XX/XX/XXXX with a payment due date of XX/XX/XXXX. Instead, Mr. Cooper sent a statement dated XX/XX/XXXX with a payment due date of XX/XX/XXXX. This is a clear violation of Reg Z Sec 1026.41 ( 2 ) requiring monthly statements. 
3. Mr. Cooper failed to send an initial rate adjustment statement 210 days before either XX/XX/XXXX or XX/XX/XXXX. This is a clear violation of Reg Z Sec 1026.2 ( d ). 
4. Mr. Cooper 's statements of XX/XX/XXXX and XX/XX/XXXX state the interest rate of 4.879 % until XX/XX/XXXX. This again confirms theXX/XX/XXXX reset date was XX/XX/XXXX, or alternatively, are another 2 clear violations of Reg Z Sec 1026.41 ( d ) ( 7 ) ( iii ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : XXXX DOB : XX/XX/XXXX 2 XX/XX/XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error. I have contacted all three credit bureaus Equifax, XXXX, and XXXX on XX/XX/XXXX and these inquires and addresses have not been removed. 

Credit Inquiries The FCRA states that the only permissible purpose for pulling someones credit report is Firm offer of credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX The following addresses are not related to me for any purposes : Former Address2 XXXX XXXX  XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address3  XXXX XXXX XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address4 XXXX XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address5 XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX First Reported XXXXLast Reported XX/XX/XXXX Former Address6 XXXX XXXX XXXX XXXX, VA,XXXX First Reported XXXXLast Reported XX/XX/XXXX Please remove these inquiries and addresses from my credit report immediately. I have enclosed a copy of my drivers license as proof of my identity. 


Respectfully, XXXX XXXX XXXX
Product: Debt collection

Several years ago I went to a XXXX local dealer. I purchased an XXXX, for surfing the internet. I signed an agreement, two years, I believe. 

The next day the card quit working. I went to the same dealer, and was advised they [ XXXX ] were going to void the first contract and roll everything to a new contract with a new air card. 

More plainly speaking, I would still only have XXXX account. 

I recently tried to rent an apartment and found out that XXXX is reporting in a negative manner to my reports. 

I sent a dispute letter and they [ XXXX ] failed to respond. I am now going to file an FCRA action, after I dispute directly with the credit bureau first. 

I understand you may not act on my behalf, in a legal capacity ; however, I want to exhaust all administrative remedies. 

Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this dispute for a second time and demanding that this item be investigated and removed in its entirety, immediately. This matter has already been addressed, and is in clear violation of the Fair Debt Collection Practices Act, 15 USC 1692g, however this third-party creditor is still illegally reporting invalidated information to all three major credit bureaus ( Transunion, XXXX, XXXX ) constituting fraud under both Federal and State law. 

This is a direct violation of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and Defamation of Character. This incorrect information being listed on my consumer reports is resulting in application denials, causing me financial stress and hardship.
Product: Credit card

My Avant credit card was used many times by an unknown person. It was charged way up past the limit. I dont know what the charges are because my acct is locked out. I called XXXX days trying to get it fixed. I spent over XXXX hrs on the phone. My address and email were changed. Then for the second time Avant took an unauthorized payment of {$550.00} from my checking acct which overdrafted me. My autopayment is {$25.00} a month. They had no right to steal my money. It was all I had left from my XXXX payment from social security. My food money for the entire month plus all my bills. I got no where on the phone to customer care. I can not see my account on their website and it will take XXXX days to get a refund from my stolen " payment ''. I am devastated. I called them for XXXX  days starting XX/XX/XXXX but never got my info corrected online or got any answer why they took my money or why my card was maxed out as I haven't used it since XXXX or XXXX or who changed the address and email. I still don't know how to see my acct online either. The people I spoke to offered no answers. Extremely frustrating and the company was as bad as the person that stole my identity! This should never happen! I am too old to deal with this fraud. Avant did the same thing last month took a payment of over {$450.00} but my XXXX XXXX gave it right back. For some reason they did not refund it this month. I stopped the autopay on the XXXX of XXXX. I need help.
Product: Credit reporting or other personal consumer reports

Equifax and Transunion consistently report the incorrect percentage of credit card usage. My credit card usage is not at 20 % usage which is being reported by Equifax. Equifax also dropped my score due to the incorrect information. I already have a dispute with both companies for doing this to me last month ( XXXX ) as well. I also have pics of my credit usage and them reporting the wrong information. The pics are both from XX/XX/year>. Photos are for Equifax only
Product: Checking or savings account

I received a cashier checks from XXXX XXXX and tried depositing I went to my local Bank of America XXXX XXXX XXXX XXXX XXXX nv XXXX and talked to an employee lats name XXXX. He told me that check would clear next business day Saturday XX/XX/XXXX Later that day I received an email saying they are putting a hold on it till XX/XX/XXXX Ive never had banking issues in my life This is harming me because I was using it to payoff debt now Im paying excessive interest
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Several of the listed accounts have incorrect reporting, amounts, and dates.