23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have an account with TD Bank and have had one for over 10 years. 
Let me just note that I have never left this country in my entire life. So its pretty bizarre when someone from another country hacks into my account and steals over {$500.00} That I would have to pay for it? Excuse me? I have to pay for my horrible banks horrible security? 
Heres the amounts Im disputing. 
{$150.00} + {$4.00} intl. tax fee {$110.00} + {$3.00} intl. tax fee {$110.00} + {$3.00} intl. tax fee {$110.00} + {$3.00} intl. tax fee + {$15.00} maintenance fee because this put me under the balance threshold to be charged monthly. When clearly I had the money. They just didnt want to give it back. 

This would be 4 charges to my account in addition to 4 international tax fees ( which I notice was conveniently not included in the dispute ) and 1 maintenance fee.

Ive never been outside of the country. This is not my fault. I should not have to pay for this banks horrible security. Theres evidence of transactions in my home state IN AMERICA on the day of these charges from out of country. Expect me to be 2 places at once?

I dont care what they say they dont get to operate as a front for cyber criminals.

Because this same thing happened to someone I know. Lost thousands from her bank account. The bank didnt see a problem with it. THEY failed to provide security questions. If this publishes and anyone sees this, TD Bank is a horrible choice. Find another bank.
Product: Debt collection

I am writing in regard to late payments on my credit report, concluding to being put on collections in XX/XX/2016 for my XXXX account XXXX, who was then transferred to Receivables Performance Management ( RPM ), the account number is XXXX. 

The amount was for {$1500.00}. This was paid in full within a few days of the collection agency contacting me promising they would get rid of the mark on my credit report. I never even received a payment confirmation and the derogatory mark is still in my report.
Product: Credit card or prepaid card

Capital One Bank approved me for a secured credit card XX/XX/2019. I was told the card was approved and paid the {$99.00} deposit for the card XX/XX/2019. They opened the card and I used it once and paid it off in full before the date of the statement payment. Following the payment in full they shut down the card with no reason and stating that the decision was made by their investigators whom I could not speak with and they have no contact with either. This company is ripping consumers off, stealing money and ruining people 's chances for a good credit score. There is no valid reason for them to close the card after it being opened less than 40 days. There are more consumers this is happening too and it is devastating to think that you all allow this to go on.
Product: Mortgage

On Thursday XX/XX/XXXX I was contacted by a CS agent from Mr. Cooper. The person called told me her name was XXXX calling out of XXXX, the exchange starting with XXXX- She express congratulations on our mortgage modifications. Please note the only way to complete the modification according to Mr.Cooper/Nations Star besides complete the trial payments was to pay XX/XX/XXXX and XXXX ( which we did with two separate payments ) one cashier 's check, the other personal check which was cashed/cleared. Both payments were sent via XXXX. Although the person called to express congratulations on the modification she said she was calling to ask if we were behind on any Home Owner Association dues. I gave her the information, Then she told me she was calling about our XX/XX/XXXX payment. I nearly loss it, because these were already sent and we are attempting to move forward. First she stated she could not find any payments we made, then she said she did find it and stated we owed more. After about 15 minutes, she said there is {$110.00} missing and she would put in a request to see what happened to {$110.00}, but she found the two payments. Then she said she could take a payment for XXXX, so I gave her our bank information. The next day I called the number she gave me and said it was her direct line. I called the number and the number was Mr. Cooper but not assign to anyone. Additionally when I called back and spoke to another person she said WE OWED FOR XXXXXXXX,  at this point I hate we have gotten into this type of mortgage with such confusing transactions and inexperienced customer service people who may not have the proper knowledge and abilities when speaking to homeowners on mortgage payments, escrow, taxes and basic customer service. I ended the call and called someone else who again claimed we owed for XX/XX/XXXX. I move the money from my bank account that would have paid XXXX XXXX mortgage because I was told it was for XXXX when I know it should be for XX/XX/XXXX. Afterwards I received repeating emails that our mortgage payment was received numerous times. These are unlimited indications this mortgage company is disconnected and does not know what CS agents are doing in XXXX  versus what those in XXXX are doing ... .several agents swore they knew what they were doing although they could not find the payments I spoke of that was for XXXX and XXXX. I received a letter about a surplus in escrow but would go toward past due payments if the account was not in good standing, the agent told me there was not a surplus because XX/XX/XXXX was not received. These are the types of experiences which makes excuses for them unacceptable. There is still a fact of the XXXX  male called to harass me that I better take the modification then said I decline and the modification was rejected. Even after the recent called congratulating us on the modification, those that I have spoke to within the last two days mentioned the modification was rejected. The person reading this for CFPB it is my hope that you will give further instructions for consumers when mortgage companies like this exist!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX**** ) has Discrepancy in the High Balance, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 

XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.
Product: Money transfer, virtual currency, or money service

I am unable to log into my mobile banking app. When working with M & T bank to solve the issue they told me that they were having problems confirming my identity in their records, but after confirming my identity in-person at the branch I was still unable to log into mobile banking on my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the the Fair Credit Reporting Act XXXX XXXX account # XXXX has violated my rights. 

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. also states a consumer reporting agency can not furnish a account withought my written instructions.
Product: Checking or savings account

I am wringing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. The issue aligns with the recent CFPD findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX XXXX XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I mailed in a letter requesting a credit investigation. Its now XXXX XXXX, and I have not yet received a response.
Product: Debt collection

I recently received a new mortgage and had everything set up for autopay. The autpoay did not go into account until after the payment was due. I have since paid this debt, it was only a few days late. I would like to have this off my record, please.
Product: Credit card

The account was cancelled due to past due on a few occasions .I was able to catch up paid it up to date including all past late fees. Seems that they waited to get the late fees before canceling the account.
Product: Credit card

XX/XX/XXXX, disconnect 6 times. 
XX/XX/XXXX, disconnected 17 times. 
XX/XX/XXXX, my calls after waiting and spending most of my day, failing to accomplish any task as every call made I was never connected to representative in 33 calls. 

The list is much longer, but I digress. This unfair practice is costing and defrauding people of massive amounts of money.

The deception and malpractice in this industry is rampant, once one area begins to improve, another things takes its place. 

These companies are extremely crooked and the average consumer believes many lies and malpractices as truth because they interact with so many people, the average person would believe what they say must be true.

I do not even know where to classify the unjust and unfair practice, and the employees working follow procedures given to them when they dont actually know the truth themselves.

I gave give them legal, lawful, and actions which should be followed out pursuant to regulatory policy and or law, yet Im told a variety of things for example, they can not due this function, this isnt our company approval, call someone else, let me transfer you which doesnt solve anything, usually more disconnection and waiting to get a representative on line who has interests not favorable to customers, which is harming the public trust and benefits not the consumer but the few banks compared to those it serves.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are listed below : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance XXXX {$9800.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Allstate Credit Bureau added a derogatory mark on my credit reports per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection as requested on XX/XX/XXXX XXXX attached ). Also there was no written form of communication, contract or signature for this accused debt at all. A copy of a bill without a signed signature does not validate the debt, anyone can make a copy and send a bill claiming it's mine. According to FCRA, Allstate Credit Bureau, had violated my rights as a consumer and I'm requesting legal action to remove this account from all three bureaus immediately.
Product: Mortgage

I purchased my current residence in XXXX. The servicer at that time was XXXX. The service has changed several times since then with the last one as XXXX. In XXXX or XXXX of XXXX, XXXX sent a letter saying I would have a new servicing agency. This was supposed to occur in XX/XX/XXXX. I did not hear anything from the new company and when XXXX came I went ahead and made my mortgage payment to one of the companies which great hesitation. The previous companies would send a letter with contact information and instructions before the new servicing date, but this company did not. With XXXX my loan was modified from over {$1800.00} a month to {$1300.00} per month which worked out perfectly. I made an extra payment in XXXX of {$1500.00} and made all payments up until XX/XX/XXXX. In XXXX of XXXX, I received my first statement from a company by the name of Gregory  Funding. Prior to that, I received a generic letter stating that they were behind in sending out the statements. When I tried to call the company I am always put in a cue of 100 to 125 callers on the line. I then noticed that my monthly payments were increased without prior notice from {$1.00}, XXXX to {$1600.00}. In addition, the company started asking for payments over {$3000.00} without an explanation. I wrote the company after not being able to reach anyone by telephone, which was sent to the XXXX XXXX address on XX/XX/XXXX with no response and a second letter sent certified return receipt on XX/XX/XXXX. This company has failed to communicate with me even with attempts made to rectify this issue. They appear to want to force me into foreclosure and ruin my credit, yet they did not reach out to me prior to XXXX to introduce themselves and provide contact information. I want my loan put back at the modification level that it was and my credit cleared of all late charges. My balance must be updated and current. However, I first would like to know if this is a legitimate company with the right to service this loan. There are some concerns because their communication is poor, which seems very odd for a legitimate business. It seems very strange that a servicer would not work with the customer to fix an issue that they created.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received emails from XXXX Credit Bureau XX/XX/2022 and XX/XX/2022 informing my credit had XXXX hard inquiries from XXXX XXXX XXXX and XXXX more from XXXX XXXX XXXX. I do not have accounts in XXXX XXXXXXXX XXXX neither I have asked any credit or loan to them. They did without my authorization and my credit has been deeply affected. This bank uses to send credit cards that have not been required. They did it around XXXX  years ago and I never used it. Id appreciate those inquiries be removed from my record as soon as possible. On the other hand, I have an Amazon/Chase card in good standing and enough credit amount so I have not asked any credit increase or loan to Chase neither to open a new account absolutely. 
Attached all evidences and a register of my exceptional payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit before I went to the dealership and notice some accounts that were not mine on my credit report and some inquiries.I attached another report of the problems i'm having with my report with the collections accounts. The inquiries are XXXX 1. XX/XX/XXXX XXXX XXXX XXXX  XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX  equifax 1. XX/XX/XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has continued to provide false information on my credit files. Trans Union and XXXX have not corrected this inaccurate information, nor have they truly verified. The creditor was allowed to lie. 

On my Transunion Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and a 30 days past due for XX/XX/XXXX. 

Then on the Experian Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and 30 days late for XX/XX/XXXX. 

I have provided PROOF of PAYMENT, TRACKING AND STATEMENT/LETTERS from XXXX indicating that I was NOT LATE. This has been and ongoing issue with clear violations by XXXX and continued by Trans Union and XXXX. 

I have kept the records of previous disputes and receipts of mailing and receipts of information not being updated correctly. 

I have initiated multiple disputes to fix this. The last dispute I provided the following : Credit reports listing false late payments and corresponding disputes XXXX letter dated XX/XX/XXXX responding to my payment dispute and request for correction XXXX letter dated XX/XX/XXXX verifying acknowledgement of timely XX/XX/XXXX payment received on XX/XX/XXXX with overage applied to principal Copy of Payment sent ( MO XXXX ) and USPS TRACKING # XXXX XXXX XX/XX/XXXX statement for XX/XX/XXXX statement indicating current status Payments for secured funds in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX payment tracking
Product: Credit reporting or other personal consumer reports

This complaint addresses an account that was reinserted into my credit report after I had previously disputed it. The reinsertion occurred without following FCRA procedures on conducting such actions. The information in question remains unverifiable and inaccurate, and there was no certification of its accuracy before the reinsertion as mandated by law. I did not receive any notice of the reinsertion, nor a copy of my credit report within the required 5-day period. I have no received required information on all the parties/furnishers involved with the connection of reinsertion of this account and additionally, I was not provided with the results of the reinvestigation, including any details or proof justifying the reinsertion of this account.These actions violate the guidelines set forth under the FCRA and negatively impacted my credit stability. Furnishing inaccurate accounts without adhering to the FCRAs procedures is unlawful. This constitutes a direct violation of 15 U.S. Code 1681i ( a ) ( 5 ), and represents a failure of your duties as a consumer reporting agency.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for reporting several accounts on my credit file that are the result of unauthorized use of my Social Security number. These accounts were not opened by me and are not connected to any actions I have taken.

Under 15 U.S. Code 1681c2, I am requesting the immediate removal of the following accounts from my credit report within 4 days XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX US DEPT OF THE TREAS Account # : XXXX US DEPT OF THE TREAS Account # : XXXX US DEPT OF THE TREAS Account # : XXXX Equifax 's failure to properly investigate my dispute mirrors the issues highlighted in the recent CFPB action, which required Equifax to pay {$15.00} XXXX for improper credit reporting investigations. The CFPB found that Equifax failed to conduct reasonable investigations, provided inaccurate results, and allowed errors to persist on consumer credit reports, which has significantly harmed consumers like me. 

Attached to this complaint is a dispute letter that I sent to Equifax on XX/XX/year>, which is dated and time-stamped. Despite this, Equifax has failed to resolve the matter appropriately. 

I have also included proof of identity and an FTC report to support my claim.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On different occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely researched. In spite of my endeavors, I presently can't seem to get any goal or restorative activity. These mistaken records are seriously harming my credit document and preventing my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused tremendous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is happening quickly. I generously demand that you lead a careful examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and correct my credit report immediately. With your assistance, I desire to reestablish the exactness and uprightness of my credit document so I might recover command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Checking or savings account

Attached are scanned copies of the five Zero Coupon Certificates which my father bought years ago for my daughter 's college education. He died before he gave them to me. After Mom died, I found them in a box of Dad 's stuff. Neither Mom nor I knew that he had these. For the past three years I have been trying to cash them. But no one at Wells Fargo will honor them. According to several former employees of XXXX XXXX XXXX  ( which Wells Fargo bought out ) these are checks and records were not kept on their sale. I was told that there is no way anyone could have gotten the money because the original checks were required to cash these in. I realize that in the early XX/XX/XXXXXXXX XXXX someone at Wells Fargo might have known what these are. But now no one seems to remember Zero Coupon Certificates. The five Certificates total {$30000.00}. In XX/XX/XXXX my father purchased one Zero Coupon Certificate in the amount of {$5000.00}. in my name as custodian for my daughter. The funds were to mature on XX/XX/XXXX.In XX/XX/XXXX my father purchased four more Zero Coupon Certificates in my name as custodian. One coupon was to mature each year for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The plan was to provide college money of {$7500.00} per year. Grand total of {$30000.00}. My father died XXXX XX/XX/XXXX, without telling the family about these Zero Coupon Certificates.