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

I have been banking with XXXX XXXX XXXX bank since my Dad opened my savings account in the late XXXX in XXXX XXXX, WI under XXXX. ( I didnt know much about banking at the time, but was happy the Bankers gave my brother and I a tasty sucker with the little white loop for a handle! ) In fact, my next-door neighbor worked there, and that is where my money from my first job was deposited. I understand how your bank and business has had to change with the times. I also have had to change with the times to a new world of the way people bank, buy, and sell things. Last Friday XX/XX/21, I tried to purchase XXXX tickets for my wife and I, and I confess, we don't get out much with XXXX young boys! I was talking to a XXXX XXXX on the phone ( phone number XXXX ), and a request for {$400.00} came into my XXXX XXXX  account under the name and account of XXXX XXXX XXXX. One mouse click later, the {$400.00} left my account and went into the account of XXXX XXXX XXXX, immediately XXXX disconnected, and his phone number was " no longer in service ''. Both phone numbers and names I have affiliated with the XXXX  account are either disconnected or unresponsive now.
Product: Debt collection

XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 Vance & Huffman XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). As the consumer, I hereby refuse to pay this alleged debt and demand that you cease all further communication with me regarding this matter, including any attempts to report this debt to any credit reporting agency.

Pursuant to 15 U.S.C. 1692c ( c ), you are legally required to cease all collection activities and any further contact with me regarding this alleged debt, except for the purposes of confirming the termination of collection efforts or notifying me of any specific legal actions you intend to take.

Please also be advised that I am keeping detailed records of all correspondence regarding this matter. Any failure to comply with the requirements outlined under the FDCPA may result in legal action against your company for violating my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

Good Evening, XXXX XXXX here again, yes Navy Federal Credit Union eventually with so much outside interference approved the wire or we had to resubmit the wire from ( ACCT # ending XXXX ). on XXXX XX/XX/XXXX, I missed an entire closing for a real estate clearly listed within the wire that I will not be compensated for because of individual 's in the branches of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; as well as : XXXX XXXX XXXX XXXX, GA XXXX. I was still liable for those expenses incurred during this " XXXX inquisition '' I endured. And I would like some type of direction going forward as well as my expenses incurred to actually have faith and belief in this financial institution ( Navy Federal Credit Union ) which clearly had XXXX implications with me being a XXXX XXXX American. 

Kind Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting to credit Bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/delete any items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX THESE ARE ALL ACCOUNTS THAT SHOULD NOT BE ON MY EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a legal right to dispute anything on my credit report that was not authorized by me.. 
The following account are mines and are reporting in a negative way on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXXU.S. DEPARTMENT OF EDUCATION # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear Synchrony Bank, I am writing to express my frustration regarding the delayed delivery of my XXXXXXXX XXXX XXXX XXXXXXXX. Despite being informed that the card has been shipped XXXX times since my approval in XXXX, 2024, I have yet to receive it. 

Interestingly, all other correspondence related to my account, including the approval letter and the last two statements, has arrived promptly by mail. This raises concerns about why the card itself has not been delivered successfully. I have requested for the card to be expedited unfortunately I was told that is not possible. 

As this delay has prevented me from using the card and benefiting from the welcome bonus, I kindly request an extension of the welcome bonus period as a goodwill gesture. This would help maintain my interest in keeping the account open. 

I trust you will take the necessary steps to investigate and resolve this issue promptly. Please confirm the actions being taken to ensure delivery of my card and the status of my welcome bonus extension request. 

Thank you for your attention to this matter. I look forward to your response.
Product: Student loan

I called AidVantage to ask them to please switch me over to an income based repayment plan. The lady I spoke with recommended the Saving for A Valuable Education ( SAVE ) plan, and told me my payments would be lowered to around $ 175 monthly and that my account would go into forbearance while AidVantage sorted out the change but that I wouldn't have to make further payments until like ... XXXX. 

I couldn't log in around XXXX and it took me a long time to sort that out and when I finally was able to call them and get logged in I found out my account was nearly a XXXX dollars in arrears and that It had been accruing delinquent payments since like XXXX. I called them to find out why this was happening and to beg on my hands and knees for them to please liquidate the payments that were in arrears. 

AidVantage informed me that they hadn't made any of the changes that I requested, that I was not shifted to an income based repayment plan, and that their policy switched over at some point in XXXX and that I the client, was now required to enroll in the SAVE plan myself. It was at no point told to me over the months long period that this was the case and honestly it feels like I fell through the cracks in the new changeover process, causing a cascade of delinquent payments that wouldn't have happened if I had been adequately concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi company is reporting credits cards that they did not verify. 
I have been trying to work with them started XXXX, XXXX. 
Account numbers ending XXXX, XXXX, XXXX. 
Citi have violated the FCRA $ FDCPA ; they did not validate the debt and I am asking them to delete the entries it is hurting my credit history very bad. 

The only response I had from citi with statements and statements by law does not validate the debt. 

Citi did not validate neither one of the account as requested bye me. 
I don't owe this debt and should be removed immediately. 



I have more documentation then I COULD HAVE UPLOADED.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



XXXX XXXX XXXX Account XXXX Account number XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accoraance WiItn tne Fair Crealr Reporting acr. The List or accounts XXXX XXXX XXXX XXXX XXXX XXXX consumer rignts XXXX  privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  XXXX XXXX : # N/A, 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

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX. 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 item 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

In accordance with the Fair Credit Reporting act 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
Product: Bank account or service

A bank in XXXX XXXX charges XXXX each time a customer goes to an ATM other than theirs. They only have XXXX ATMS, so this is extremely awkward. This is probably the case with other banks. They just got {$5.00} of my money this month, and last month. This is a fine bank, but really? 
Also, not that I have recently bounced any checks, but in the past when I did they charge a hefty fee, which is the case with any large bank, especially if they pay the fee. In order to avoid such situations, I have gone to Payday Lenders, who charge me less than the cascade of fees that would result if I did n't have them. 
So I would also like to give you an idea, that the big banks could just cover the fees and charge a XXXX % fee. For instance, once I was charged {$31.00} for the bank covering XXXX cents! Would have been better if they had charged me XXXX cents for that transaction. This then led to a cascade of checks that bounced. So the banks should be required to cover bounced checks ( within a reasonable range ), but not at these huge interest rates, because interest is what these fees amount to. Then payday lenders would be out of business automatically. In the meantime, to avoid the squeeze of the big banks, payday lenders are necessary. As I said, I am happy with my bank, but just want to have these changes in the law.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error XXXX XXXX XXXX XXXX XXXX {$9100.00} XX/XX/year> By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

( 1 ) 15 usc 1681q- The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

Transunion Items dicover inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX
Product: Mortgage

Our loan was sold to Specialized Loan Serving from XXXX XXXX. We made payments just as before normally but there was extra money due and I couldn't figure out why. I called them and they said something to the point of since the loan was just sold to them, the escrow accounts are just being figured out and that extra money I owe for escrows should be worked out soon. Not to worry. They were very nice about it. Then after a few months, we got a late charge saying we hadn't made the proper payment. I called back saying that I had previously contacted them about the escrow money and that I was waiting for it all to get worked out. They were very rude this time and acted like they had no idea what I was talking about. They said that the escrows were refigured and short so we had to pay the difference. OK, that would have been no problem, but they increased the payment ( to cover escrow shortage ) and we were dealing with evacuations and relocation. So we were never late just short on the regular amount of payment since it is automatically paid the same amount every month. 

Now, we are looking into our credit scores and for the first time see that they have marked us as late on our credit report. I'm enclosing all the screenshots for you to see and I can supply whatever else you would like me to. In the middle of all of this, we were affected by the fires and a mudslide and had to evacuate our home. I asked if these disasters affected my payment at all and they said they didn't know and that they would not look into it. I told them that it wasn't a good decision to take into account the disasters, again very rude about it. I was quite taken back by this since I had received a letter stating that if there were any problems due to the disasters to let them know. 

I also want to add that I receive many emails from Specialized Loan Serving and not once did I receive an email about my payment being higher than normal. When I asked them why they couldn't have let me know about my increased higher payment, they said they are not authorized to send statement payment information - just all other information. 

They charged us not only penalties on our escrow shortages ( that were recalculated after the sale ) but also negative credit report marks. Thanks for looking into this it. Thank you, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

he items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

I have also sent letters to all 3 credit bureaus XXXX, Equifax, and XXXX  over 30 days ago and have not received a reply or response. I will attach the letters that I have sent and singed with my signature. They have violated multiple laws of the United States 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report.

15 U.S. Code 1692g - Validation of debts They were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I do not validate this debt.

Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION. 

THEY HAVE VIOLATED MULTIPLE RIGHTS AND LAWS
Product: Mortgage

I started a refinance on XX/XX/XXXX. I have subsequently had to have the rate extended 6 times because TDBank failed to complete steps on their part for the subordination agreement. They first filled it incorrectly according to XXXX, then sat on it for a few weeks and then subsequently didn't know who at TDBank needed to fix it. Two of their internal employees went back and forth for 3 days starting XX/XX/XXXX with me on the email thread trying to figure out who from TD bank needed to what steps and then they both went unresponsive. My last email from them was on XX/XX/XXXX. 

I then tried for several days to get a hold of someone at TD Bank and escalated to the individual managers and heard nothing from any of them. I finally had a manager ( XXXX ) reach out to me XX/XX/XXXX and they told me they would expedite it. They reached out to me again on XX/XX/XXXX and told me they should be able to get it close by following week. They then stopped updating me even after I sent multiple emails. The then had someone else finally reached out to me on XX/XX/XXXX saying this might take a couple of months. I have since been asking for my refund and can't get anyone to email or call me. 

Here are the list of people I have attempted to work with at TD Bank : Loan Officer : " XXXX, XXXX XXXX NMLS XXXX '' XXXX Manager : XXXX Manager : " XXXX, XXXX XXXX  NMLS XXXX '' XXXX Manager : XXXX Manager : XXXX I believe my only costs so far is {$22.00}. I have spoken to TD Bank twice on phone in past 4 weeks and they said only the people listed above could approve the refund and they would pass along the message. I have also asked them several times and gotten no responses. I do continue to get rate lock extensions documents to sign every few days and requests for update information such as paystubs because the ones I have already provided several times are outdated. 

At this point I am working with another bank on my refinance. TDBank service motto of " Legendary Service '' is terrible and I think each of the folks above, specifically XXXX, XXXX and XXXX should be terminated because they are incompetent. I will not do business or recommend TDBank to anyone because the company does not have a process by which customers can raise concerns. They unfortunately rely on their managers to do the right thing but that would assume they aren't hiring incompetence.
Product: Debt collection

To Whom It May Concern : I reviewed a copy of my credit report and found the following items to be an errors. Here as follows is the items in error : Collection Agency : Portfolio Recovery Associates ( XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) Original Creditor : XXXX XXXX Balance : {$560.00} Account Number : Reports shows no account number ( being that one was never established ) Open Date : Listed as XX/XX/XXXX Collection Agency : Portfolio Recovery Associates ( XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) Original Creditor : XXXX XXXX Balance : {$660.00} Account Number : Reports shows no account number ( being that one was never established ) Open Date : Listed as XX/XX/XXXXXX/XX/XXXXBasis of Dispute E.g., I never had the accounts in reference with this creditor and I do not owe this debt. Invalid information listed on credit Reports -  original. I did not sign an agreement to pay for any services with XXXX XXXX nor did I sign an agreement with the collection agency -Portfolio Recovery Associates . I have received no mail regarding me to verify this false debt. This false claim of a debt owned was with another collection agency XXXX XXXX XXXX  and was removed for the same false accusations. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. Thank you for your time and help in this matter. Sincerely, XXXX XXXX