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

On XX/XX/2023, someone posing as a TD Bank agent, sent a text message from " TD BANK '' regarding an unauthorized charge, followed by a phone call from the exact TD Bank phone number on my card. This agent continued to inform me of charges occuring as we are on the phone and that the safety of my account was in danger. I was then instructed to move funds to my XXXX XXXX for the quickest and safest action so that my account wouldn't be in further danger to fraudulent charges. I paused when I realized this was not right and immediately hung and called the bank fraud dept. who then confirmed, they did not attempt to reach me. The fraudster, had access to my online banking once I picked up the phone. The fraudster received the funds from my XXXX XXXX. I claimed the transactions, closed the account and online banking. The bank waited days to uplaod my screenshots of calls from " TD Bank '', emails, then once I received my police report, uploaded to claim, to my knowledge. After the funds cleared out of my account, TD Bank issued provisional credit, while under investigation. XXXX calls later from fraud dept to confirm information to report to merchant, then no information for weeks. TD Bank issued a letter yesterday XX/XX/XXXX that they denied my claim and will be retracted the funds from my account. I am the victim of fraud. This is not {$20.00}. This is {$4700.00}! I plan to represent this finding against the bank for additional review.
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. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : 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 : 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: Credit reporting, credit repair services, or other personal consumer reports

Experian consumer reporting agency has been reporting a unauthorized and fraudulent collection account on my credit report since 2017 without my consent or permission. The account currently has a cease and desist order against it with the company thats furnishing the information and I filed a identity theft report against them as well. This is very impartial to me because experian did not ask me if the fraudulent account was mine or one that I had opened. This account has been a thorn in my side and I have been denied credit because of it! I have mailed experian a copy of the cease and desist order and a copy of the XX/XX/XXXX report and im aware that they have to stop reporting the fraudulent information immediately.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered items that I did not recognize or apply for. Upon further investigation, I realized my personal information was exposed in more than one data breach. I have no recollection of applying for this account in question as they are negatively impacting my credit. I am demanding this account be removed from my credit report ASAP
Product: Mortgage

Follow up to COMPLAINT ID : XXXX My situation started after I reached out to XXXX XXXX who is a mortgage loan broker with Assurloans. He asked for all my required documents after my application was submitted. He received all the required documents within 24 hours of his request. The cash out number was over XXXX on the first loan estimate. XXXX waited a week before he locked the rate. He is supposed to do it within 3 days once the application is submitted & the supporting documents are received. XXXX then said I didn't get my documents in on time which I knew was not true. It was a lie on XXXX 's part. Everything seemed odd on the revised loan estimate. I got around XXXX on the new loan estimate. I wondered where the discrepancy came from. I didn't know until i spoke to the supervisor ( XXXX XXXX ) who confirmed that XXXX waited a week to lock the rate after he received everything that was required for my file. Rates fluctuated upward and it ended up costing me a couple XXXX dollars. Assurloans increased their origination fee on the 2nd loan estimate, I was charged points & the initial lender credit was reduced. My cash out refinance loan wasn't as good as it was initially advertised. I spoke to XXXX, he gave me a XXXX bucks total which did not make me whole. I didn't want to miss out on the rate so I took the deal. I had other lenders who would have given me a better deal if the true rate & fees were advertised. I feel like it was pure deception on XXXX 's part. I tried to get XXXX to make things right. He was honest with me. He told me XXXX waiting to lock the rate costed me XXXX  & that his management does not care. XXXX violated multiple laws in relation to the statute 's & guidelines set under the Real Estate Settlement & Procedures Act & the Truth in Lending Act. The loan estimate must be sent within 3 business days. XXXX waited over a week. He did not sent out all of the required disclosures. Assurloans then increased their origination charge & charged points after the initial disclosure. This company should be fined & penalized to the fullest extent of the law. The employee has now been terminated by the company. I have text message confirmation from the owner of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT A AUTHROIZED USER FOR THIS ACCOUNT THIS IS NOT OK PLEASE REMOVE {$5200.00} PENTAGON FCU XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using 106 % of your credit limit. 

30 % ( Stay below ) 106 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times 30/60/90 days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks -- Creditor Name PENTAGON FCU Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

Learn how to r
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, XXXX, TRANSUNION ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below. 

( Bankruptcy chapter XXXX Filed Date XX/XX/2012 XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX -Local XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 In Accordance To The Fair Credit Reporter Act The Account Listed Has Violated My Rights..15 usc 1681 Sections 8 States I Have The Right To Privacy 15 usc 1681 section 604 A Section 2.I also state a consumer agency can not furnish your account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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, XXXX, XXXX, DPT ED/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: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 card

I filed a dispute with the credit card company on XX/XX/2024. On XX/XX/2024 the merchant refunded my funds back into my account. I contacted the credit card company and advised them of my resolution. I requested the funds be sent to my bank account. On XX/XX/2024 credit card company lost my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im extremely disheartened to find unauthorized inquiries on my credit report, and I have no explanation for why this happened. I routinely check my report, but this time I found some unexpected discrepancies. I refreshed my browser thinking it might be an error, but the unauthorized inquiries remained. I urgently request that the documents Ive sent are closely examined so I dont have to deal with this stress any longer.
Product: Money transfer, virtual currency, or money service

XXXXm filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they didnt comply with error resolution requirements under the electronic fund transfer act ( EFTA ) Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Affiliated acceptance Corporation is not following the laws according to the FDCPA and the FCRA.I filed a complaint ( XXXX ) and asked for validation of a debt they claim I owe them. I asked for a contract and they did not provide a contract. They refuse to validate the debt and is in violation.I have not received a dunning letter from them and they have to send a dunning letter giving me the right to dispute the debt. 
the company stated they the billing agency for another company which means they is collecting on a debt. I have never signed a contract with their company.They did not provide proof like I asked in the complaint.where is the contract because you collecting on a false debt? I formally request copy of documents bearing my signature showing that I have a legally binding contractual obligation to pay them and not a billing statement because that is not validation.
Product: Checking or savings account

Im facing a serious problem with my business account at Chase Bank. A company Im unfamiliar with deposited funds into my account and made about 5 transactions. Afterwards, they withdrew the money without any confirmation from my side. However, the real issue is that they also took my own money that was already in the account before those transactions.

Chase has since closed my account due to suspected fraudulent activity, but they still havent returned my funds, and its been 5 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I went to XXXX to get my report. The Equifax questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.
Product: Vehicle loan or lease

I paid off my auto loan. I called the lender for the payoff amount. I sent a certified check for the payoff amount. I called the lender and asked had it been applied, it had not. I asked would I be penalized if applied late, they said no. The last payment ( the payoff amount ) was the only payment ever marked late. I do not want to be penalized for this. I was paying off the car.
Product: Credit reporting or other personal consumer reports

IVE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I REQUESTED FOR THEM TO PROVIDE ME WITH THE DOCUMENTS USED TO TAKE OUT THIS CONTRACT/AGREEMENT IN MY NAME. THE DOCUMENTS USED TO VERIFY MY IDENTITY. I DID NOT GET THOSE DOCUMENTS WHICH IS MY RIGHT WHEN REQUESTING FOR A DEBT COLLECTOR TO VALIDATE DEBT. EVERYTIME THIS AGENCY CALLS, THEY HARRASS AND RESPOND TELLING ME YOU KNOW YOU OWE THE DEBT. INSTEAD OF PROVIDING ME THE DOCUMENTS REQUIRED WHEN REQUESTED UNDER THE LAW. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS. IVE REQUESTED FOR XXXX AND XXXX TO COMPLETE AN INVESTIGATION AND VALIDATE THE DEBT. THEY HAVE YET TO DO SO, I ASKED THEM TO MAIL ME ALL DOCUMENTS USED TO VERIFY THIS DEBT AND PROVIDE ALL DOCUMENTS USED TO VERIFY THIS DEBT FROM THEIR INVESTIGATION. THEY HAVE REFUSED TO DO SO AND HAVE YET TO VALIDATE THIS DEBT. THEY ONLY TOOK THE DEBT COLLECTOR AT THEIR WORD. THESE TWO CREDIT REPORTING AGENCIES DO NOT REVIEW ALL FACTS AND DO NOT COMPLETE THOROUGH INVESTIGATIONS. THEY ALSO DO NOT PROVIDE THE RESULTS TO THE CONSUMERS IF THEY DID NOT FOLLOWING THE LAW. I AM FINALIZING A REPORT REQUESTED BY THE CALIFORNIA DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION WHILE THEY INVESTIGATE THE TACTICS OF THIS DEBT COLLECTOR AND THE CREDIT BUREAUS. THE AGENCY HAS TOLD ME INVESTIGATORS WILL BEGAN INVESTIGATING IF THERE IS NO FAVORABLE DECISION FROM THIS REPORT. IF THEY LOOK AT MY ADDRESS ON MY ATTACHED XXXX XXXX IT IS NOT THE ADDRESS WHERE THE ACCOUNT WAS OPENED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX  I applied & was approved for a {$10000.00} credit card with Discovery. I was sent out a card, and activated it. I tried using it & the card Declined. When I called to see what the issue could be I was told I never replied to an email where I had to get a letter notarized. I explained to the company I never received an email for notary. They explained the account was closed & advised me to reapply to fix the issue. I was sent to an agent who took my information again, only to deny me stating I had too many Discover accounts placing a second hard inquiry on my credit. I am unable to use the credit card & now facing 2 hard inquiries at no default of my own.
Product: Debt collection

I was googling myself today XXXX XXXX/XXXX/2015 XXXX and saw that I have a judgement against me for {$12000.00}! Supposedly I had a court date on XXXX/XXXX/2011. I never received any notification of legal action being taken and that was taken. The case information is from XXXX, Wisconsin, XXXX XXXX Case Number XXXX. 

Apparently the party that took me to court was Equable Ascent Financial LLC,XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX. I have no idea who this is, what its for and why I never received any type of notification at any time!
Product: Debt collection

I was notified by collection agency " XXXX XXXX XXXX XXXXXXXX XXXX, XXXX '' ( see attached ) on XX/XX/XXXX regarding a tax debt with XXXX XXXX XXXX XXXX for {$940.00}. I responded back to collection agency with a certified cease & desist letter on XX/XX/XXXX ( see attached ) explaining my intension of resolving the account with the original creditor. I have since hired a professional CPA on XX/XX/XXXX who was given my Power of Attorney to resolve any debt with XXXX XXXX XXXX XXXX. Today XX/XX/XXXX my bank notified via automated text alert of a large withdraw in the amount of {$5100.00} made by " XXXX XXXX XXXX XXXX XXXX, XXXX '' with no authorization or notification. This was all the money in my bank account that I currently have checks written out to pay bills with.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/2024 and noticed somethings are incomplete and not accurate. And according to the Fair Credit Reporting Act whenever a Consumer reporting agency prepares a consumer report it shall follow reasonable procedures assure maximum possible accuracy of the information concerning the individual at whom the report relates. These accounts, 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 , are not complete and accurate.

And one more thing according to 15 USC 1681s-2 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: Mortgage

For the past 2+ months, I have, as a volunteer/friend, been trying to assist a friend 's brother with a deed in lieu for his property that is facing foreclosure. His loan is serviced by PHH. Since starting on the process back with the filing of my Letter of Authorization with PHH, PHH has used my phone number to debt collect daily, often twice daily on my personal phone number. And yet, the few times I have tried to reach the deed in lieu area of the mortgage servicing area, I am put on hold for at least 45+ minutes and am given little to no information about the status of his request for a deed in lieu. I have emailed the General Counsel of PHH repeatedly without a response to alert her to serious violations of the debt collections practicing act and the failure of PHH to adequately be responsive to this homeowners needs. Today, after being on hold for over 60+ minutes, the executive office of the President said they could not find my letter of authorization, which at least the first loss mitigation rep, who could not access the notes in the file for a status update, at least could. I find the lack of responsiveness, the sheer lack of professionalism at all levels of this mortgage servicer and their repeated debt collecting on myself on my personal cell phone at all hours of the day and night to be a complete failure of so many parts of their consent decree entered into the NJ AG for failure to loss mitigate, DODD FRANK and the Fair Debt Collections Practices Act. Plus, there should be minimum standards in place for this mortgage servicer to not only answer their phone but to provide substantive and prompt updates on their loan servicing to the HOMEOWNER and HOMEOWNER 's ADVOCATE. WHEN IS THIS EVER GOING TO STOP!!! It has gone on far too long. I GIVE UP. Let the mortgage companies take back all the houses, charge exorbitant rents. Let this scenario run to its illogical conclusion and see where it leads this country. I do n't want to advocate any longer. I do n't want to rage any more. I give up. Take all the houses, all the bank accounts and tax all the poor and middle income you want. Just give this one poor guy his deed in lieu so he can get on with his rehab, start a new chapter and hopefully live and die in peace.