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

I mailed physical copies of my original bankruptcy filing to XXXX, Equifax, and XXXX to demonstrate that they were reporting an inaccurate date and that the ten-year period is expired. Specifically, the Chapter XXXX bankruptcy filed in XXXX relates back to the XXXX Chapter XXXX bankruptcy that I filed but was dismissed without prejudice due to my XXXX and XXXX issues shortly after filing. Therefore, I requested that the bankruptcy be removed from each of my credit reports. 

1. XXXX promptly removed the bankruptcy 2. Equifax reported the bankruptcy as " verified '' XXXX. XXXX had the temerity to respond that their information ( likely from XXXX ) was correct. In other words, their privately harvested data is more accurate than a federal court order ( uploaded herewith ) I am filing suit in federal district court tomorrow. The number of inaccuracies, aside from the bankruptcy issue, combined with the number and frequency of inaccurate reporting by these agencies across the nation creates and perpetuates systemic economic disenfranchisement that disproportionately impacts people of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

he credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

A

ccording to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish
information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Checking or savings account

Subject : Unfair Banking Practices Denial of Service at TD Bank Complaint : On XX/XX/XXXX around XXXX I visited the TD Bank branch at [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to open a new bank account. I provided my valid, government-issued [ drivers license ] as identification. The bank employees, including the manager, claimed my ID was fake, despite it being legally issued. I was then required to provide a second form of identification, which I did by retrieving my passport. Even after doing so, I was still denied service to open a bank account without a clear explanation. 

I found this experience extremely concerning and disheartening. I have never had my ID questioned at any other financial institution, and I have no criminal record or history of fraud. I believe I was treated unfairly and subjected to an unreasonable level of scrutiny. 

I am requesting an investigation into this incident, as I believe TD Banks actions were unjustified and possibly discriminatory. I would like a formal response addressing why I was denied service despite providing valid identification and what steps will be taken to prevent similar incidents. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX
Product: Mortgage

We were granted a Repayment Plan after several months of requesting assistance due to a financial hardship we were experiencing. The Repayment Plan was for one year XX/XX/XXXX until XX/XX/XXXX. During this time we experienced another financial setback which we informed them of and assured them that the payment would be in by the end of the month. Once they received the payment by Personal check they held it for two week and wrote VOID all over the check copied it sent us a copy and stated that they had destroyed it and requested Cashier check for the set amount that was submitted. We purchased a Cashier check and sent it priority mail signed receipt. Meanwhile they referred us to their Attorney for the process to start for Foreclosure. They received the Cashier check then sent a letter stating that they wouldn't be applying the fund towards the mortgage or cashing it, they would be destroying it and request {$20000.00} something by the XXXX of XXXX and if they didn't receive they would proceed with the Foreclosure process.We reached out to their Attorney informing them that we had a Repayment Plan in place and we didn't know why we were referred to them. To date we haven't heard anything from them. We have reached out to our Lender as to what is the status of the Repayment Plan and future payments. Since they are destroying all payments that we have sent in the past month or so we have informed them that we will not be sending any more payments until we are assured that they will be applied to our mortgage. We don't have any other choice right now because this is costly and unfair and we don't think this is legal. So we are going to save the fund until XX/XX/XXXX or when they instruct us otherwise or if we have to go to court. The Cashier check that they refused to cash or return to us we have to try and get the funds returned which is going to take sometime because the Bank stated that we have to place a stop payment and a reversal which will cost fee before we can get the fund redeposited in our account. The Bank stated that the process would be better for us if the Lender would cooperate and return the Cashier check then we wouldn't have to pay all of the additional fees. They couldn't take our word or a letter from the Lender stating that the check was destroyed. We have requested that they return the Cashier check but we don't think they will because they didn't return our personal check. Every time we correspond with them it is always something different or they send old documentation as respond to our request. Nothing is ever clear and the back and forward is not fair to us all we want to do is get back on track and move on and stay in our home.
Product: Debt collection

I have a line of credit from Td bank from XXXX XXXX. My credit limit was XXXX  and I owe {$900.00}. I currently not working do to Covid 19. I have been making payments. Them i made a payment for {$400.00} which left a balance of {$400.00}. After that payment was received they cut my balance to {$400.00} and they started charging fees late fees and over the limit fees. I called customer service and I waited for 3 hours and still didn't get to talk to anyone. I told a manager would call me back. Its been three weeks and still haven't spoken to one. They are aggressively reporting this to my credit report.
Product: Credit card or prepaid card

Date of purchase, XX/XX/XXXX Date of return of defective itemXX/XX/XXXX{$62.00} interest fees charged This was a purchase at XXXX where there was a screw missing. One was not sent, item returned. This is how XXXX XXXX issuer of XXXXr cc gets their money.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was XXXX The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX AUTO XX/XX/2023 XXXX AUTO XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX AUTO XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Money transfers

I tried to track and change a pass code or test question from one of my employees to western union at their toll free #. They stated that I needed to call from the phone # of the purchaser. That 's stupid for a receiver but for a sender? My complaint is. I asked for a telephone # or email for a supervisor and was told they did not have the contact information. I told him that I knew he was lying and to get the information for me. Then he said " I do not have direct contact with my company. '' As you can plainly see this is a bald face lie and borders on the sanctimonious bull that scammers and politician use. I get company policy but I do not accept and will not be lied to without complaint. XXXX was the person I spoke with at the XXXX #.
Product: Student loan

Imwas part of mthe XXXX 2011 in XXXX XXXX Louisiana. Imwas XXXX. They convincednme I could affordmthis. My mom used child support to pay monthly and interest on student loan. XXXX. They convienced us I could support myself soon get in internship greatnjobs the whole lie. Here I am XXXX struggling my mom pays my rent. I cant find work other than XXXX makemmost paydays less than XXXX. I cant afford healthcare my mom pays that too. I want to go to college but they stole everything. Most of jy classes were taught bynstudents as the teachers left suddenly. My mom kept telling me this was not right something wasnwrong. I need help.All those pressured empty promises. Broken in need of help. If my mom looses her job or worse dies. Imwill be on the street and dead inmno time. I cant make enough to live hpw can I repay debt that at XXXX XXXX imhad nomidea the picture they sold was fraud in diguise
Product: Checking or savings account

On XXXX I contacted PNC Bank again about other transactions that were pending but held causing a negative balance. I talked to 4 different branches of PNC and was told my complaints were definitely justified but when talking to case manager she informed me that PNC would not be liable for any charges related to my account being reversed and that I should just accept it and not listen to or call any PNC branch again.Its been a constant struggle and they have left me with thousands of dollars worth of charges
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 



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: Vehicle loan or lease

On or about XX/XX/XXXX I obtained financing for an auto loan from Honda Financial Services DBA of American Honda Finance Corporation.I have reached out to them many times in order to resolve a credit dispute and they have been reluctant to further review and have denied further investigatation in this matter. On XX/XX/XXXX of XXXX I scheduled and made a payment in the amount of {$680.00} Confirmation # XXXX that was due for XX/XX/XXXX. For some unknown reason ( s ) Honda Finance reversed this payment back to me on XX/XX/XXXX. When I became aware of the payment reversal on XX/XX/XXXX I contacted customer service and made another payment in the amount of {$680.00} Confirmation # XXXX. I realized on or about XX/XX/XXXX that Honda Finance reversed that payment as well. I checked with the bank and enough funds were available in the account to cover both the payments. On XX/XX/XXXX Honda Fincance reported to the credit bureau for non-payment/late/missed payment on my credit report when I clearly made the payments and Honda Finance was negligent to collect the payments. Please review attached documents to help better understand this matter.
Product: Debt or credit management

From XXXX I was charged {$150.00}. Per month. Thank reduced to {$110.00}. 
In XXXX it was reduced to {$59.00}. 
In XXXX I called them because it was taken too long for the service to be accurate and I wanted to stop their services. It was supposed to be for a total of 48 months and we're going on to 8 years now. The lady told me we will reduce it to {$29.00} per month. There's a charge for a credit card that has been sitting in collections since XXXX for {$640.00}, they have not payed that off and now I'm fighting to have it removed. Where did all the money goes. In XX/XX/XXXX I called them again to cancel the account they charged me {$27.00} before closing the account. 
They will do everything to milk people out of their last XXXX. They are scammers who pray on people looking for help. 
Most of my cases happened due to divorce and ex debts felt on me. I explained all this to them while struggling financially with my kids.
Product: Credit reporting or other personal consumer reports

Dear Equifax Team, Thank you for completing your investigation regarding the disputed items on my credit file. However, I remain concerned about the accuracy of the reporting and the verification process. As required under the Fair Credit Reporting Act ( FCRA ), I am requesting the following : Details of the Verification Process : Please provide documentation from the original creditors ( XXXX XXXX XXXX and XXXX XXXX  XXXX  ) that you relied upon to verify the accuracy of the disputed items. 

Evidence Supporting Verification : Include any communications, contracts, or other evidence confirming the reported details. 

I remind you of your obligation to ensure maximum possible accuracy under the FCRA. Failure to provide verifiable proof from the furnishers may result in further escalation of this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies.

Thank you for addressing these concerns promptly. 

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

As per lender the late payment reported are incorrect and lender has request on XXXX XX/XX/XXXX and XX/XX/XXXX ( more than once ) to delete late payment from all 3 credit reporting companies and but its not removed from the reports. I have contacted all 3 credit bureau but they says they have not received any such communication but when i talk to lender they says they have already communicated to delete from credit report. 

I am going through this loop again and again and no solution yet.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCT XXXX XXXX DATE OPEN : XX/XX/2019 {$0.00} ... ... ... ... .Reported late in the past but i was never late.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, digital, and telephonic communication. 

In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. 

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. 

Thank you for your attention regarding this matter. 

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

Warning Regarding Stall Tactics in Credit Dispute Investigations To Whom It May Concern, I am writing to formally notify you that I am fully aware of the use of stall letters as a tactic to delay the proper investigation of credit report disputes under the Fair Credit Reporting Act ( FCRA ). I want to be clear that any attempts to use such tactics will be considered a violation of my rights as a consumer under the FCRA. 
I have provided all the necessary documentation to verify my identity and the legitimacy of my disputes, including [ list documents : copy of ID, social security card, proof of address ]. 
Therefore, I expect that my dispute will be properly investigated within the timeframe mandated by the FCRA.

FCRA 1681i requires that credit reporting agencies conduct a reinvestigation of disputed items, and failure to do so in a timely and thorough manner will result in a legal response to protect my rights. I will not tolerate any attempts to delay or avoid a legitimate investigation through the use of unnecessary or unwarranted stall tactics. 
Please ensure that this matter is handled swiftly and in compliance with federal regulations. 
If my rights are violated again by any further stall tactics, I will pursue legal action to seek appropriate remedies under the law. 
Thank you for your prompt attention to this matter.
Product: Mortgage

Upon receipt of my Annual Escrow Account Disclosure Statement, on or about XX/XX/2020, I discovered an anomaly. Although I made my XX/XX/2020 mortgage and escrow payment, the escrow portion of the payment XXXX {$1400.00} XXXX did not appear in my escrow account. 
My husband called UWM in XXXX and they were unable to provide an explanation of where the missing {$1400.00} went or why it was not applied to our escrow account. He was told they would look into it and call us back. We never received a call back or anything in writing from UWM providing an explanation. Today, my husband tried calling UWM multiple times to address this issue. He was hung up on several times after entering or providing our loan number. He was eventually able to speak to a person and explain the problem. The customer service agent was unable to assist and when my husband asked to speak to a supervisor, he was hung up on once again.He was in the room with me and I overheard this conversation. 
I attempted to go on to my UWM account online to see if I could determine what may have happened and obtain a copy of the XXXX and XX/XX/2020 statements. My account log-in information is no longer valid. I put in my loan number to try to enter the system another way and was given an error message that they are having problems locating my loan. Apparently, once they transferred the loan, they no longer give access to their system to be able to see statements from just a couple of months ago.
Product: Debt collection

Transworld Systems INC/ XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Violation and Lack of Collection Notice Dear Sir/Madam, I am writing to formally notify you of a serious concern regarding the handling of my protected health information ( PHI ) by your agency, which appears to be in violation of the Health Insurance Portability and Accountability Act ( HIPAA ). Additionally, I have not received any prior written notification regarding the collection of this debt, as required by law. 
On XXXX XXXX, I became aware that my PHI was disclosed improperly when I received a copy of my XXXX credit report in which sensitive health information was discussed openly without my prior authorization. 
I have not received any written communication from your agency informing me of the debt in question, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) that mandates a written notice within five days of the initial contact.

1. I request that your agency immediately cease and desist from any further unauthorized disclosure of my PHI.

2. Please investigate this matter and take appropriate corrective actions to ensure that such violations do not occur in the future. Provide me with a written response detailing the findings of your investigation and the steps taken to address the violation.

3. If there is indeed a valid debt, I request that you provide me with a certified mail receipt with my name on it and my signature proving I received tcorrespondence. Also, include the details of the debt as required by the FDCPA, including the name of the original creditor and the amount owed.

Please be aware that if these issues are not addressed promptly, I will have no choice but to file a formal complaint with the Office for Civil Rights ( OCR ) at the Department of Health and Human Services ( HHS ), and I may also seek legal advice to explore further actions.

I expect a written response from your agency within 15 business days from the date of this letter. Failure to respond appropriately will compel me to escalate the matter to the relevant authorities. 
Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX XXXX