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

I have had repeated issues with TD BANK blocking my cards and most recently my ability to access my online banking due to being in another country. 

I advised my local bank I would be traveling abroad and there were no problems until they went to an automated security system which blocks my card about every 2 months. I recently had to file a complaint after roughly 50 consversations with the bank about the issue. My card was finally unblocked for at least the 10th time in two years within the last month.

Roughly two weeks later, they blocked my accesss to my online banking account. I can answer all security challenge questions and even did so on the phone. Their reply : If you don't have a US phone number that we can send a text code to, you can not access your account.

Having this as the only option is a violation of their duty to the consumer and is incomprehensibly irresponsible that somebody can verify all security information and still be denied access to their account. 

Please request the recording of my discussion dated XXXX XX/XX/2020 with the TD Bank Customer Service Supervisor who did everything in his power NOT TO HELP, until I refused to leave, became aggressive and insistent. 

Combined with the past violations by TD of rigging XXXX XXXX, Structuring Tranactions and otherwise being either dishonest and uncaring about their customers, they should either be forced to reform and have their license to do business in the United States revoked. 

Despite repeated calls about this issue, I have never gotten any action until I have gone this route, via CFPB. 

Within minutes of writing this and trying to access my account for the information requested on page 4 of this complaint, I have yet again, been blocked.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed some fraud INQURIES listed on my EXPERIAN credit report that I didnt authorize..
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to respond within the required XXXX timeframe as mandated by the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) XXXX XX/XX/XXXX, I submitted a formal dispute regarding XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX. Status charge off Balance {$3700.00} XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX Status charge off Balance {$440.00} XXXX XXXX XXXX # XXXX opened XX/XX/XXXX status charge off Balance {$630.00} XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX opened XX/XX/XXXX status charge off Balance {$2600.00} XXXX XXXX # XXXX opened XX/XX/XXXX status Charge off Balance {$1100.00} XXXXXXXX XXXX XXXX # XXXX opened XX/XX/XXXX Status Charge off Balance {$1600.00} XXXX XXXX XXXXXXXX # XXXX opened XX/XX/XXXX Status Open ( past due Balance {$69000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX Charge off Balance {$67000.00} XXXX? XXXX XXXX XXXX # XXXX opened XX/XX/XXXX status open XXXX {$230000.00} XXXX XXXX  XXXX # XXXX opened XX/XX/XXXX status XXXX XXXX {$290.00}, which contains inaccurate and unverifiable information on my credit report. According to the FCRA, the credit reporting agency and/or the furnisher is required to complete an investigation and respond within XXXX days. However, as of today, I have received no response.
Product: Debt collection

Statebridge Co. 
Have called XXXX in the last month about a mortage that I never had with them! 
I thought the understood I dont have a mortage with them. This was a loan for a home in XXXX, Md. 
We don't live or have any home in XXXX, Md. 
Both call have been to my wife phone asking for me! 
They didn't have my phone number? 
They did give a loan ID. Number
Product: Credit card or prepaid card

In accordance with the fair credit reporting act Capital One has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Investigate and promptly remove the inaccuracies in my credit report, as outlined in my previous complaint and FTC report. Failure to comply with legal requirements will result in legal action against your bureau, as the other credit bureaus have already ceased reporting these inaccuracies. I demand immediate resolution and written confirmation of the corrective actions taken. XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Product: Checking or savings account

XXXX writing to lodge a complaint against Navy Federal Credit Union for the multiple overdraft fees Ive been charged. Even though I had enough funds when my transactions were authorized, I was penalized because the bank didnt post the charges and credits promptly. This problem is similar to the recent findings by the Consumer Financial Protection Bureau ( CFPB ) against Navy Federal regarding similar practices. The bank processed transactions that resulted in insufficient balances even though there were initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

My bank 's checking account has been debited {$5.00} for the last several months. This is the information that shows on my account : XX/XX/XXXX XXXX XXXX XXXX / ( my name here ) ACH WITHDRAWAL - {$5.00} XXXX talked to my local Old National bank 3 or 4 times in XXXX of XXXX. They did refund me 2 of the debits and cancelled my card and issued a new one. The charges still appeared. The local representative tried to look into it and said it has to do with a XXXX XXXX. I called the XXXX XXXX XXXX phone number my bank gave me and the XXXX representative said they needed some different tracking data that they said my bank should have. 
I reached out to my bank again ( one particular person that I was communicating with ) but they never contacted me again with the information I asked for. I do believe I left a voice message since we were doing this on the phone. 

I left the state for 5 months and left this issue go. I see the {$5.00} is still being withdrawn from my account each month. 
This withdrawal started in XX/XX/XXXXXXXX XXXX XXXX XXXX / ( my name here ) ACH WITHDRAWAL And on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX My bank reimbursed me for 2 of these unauthorized withdrawals XX/XX/XXXX XXXX XXXX Unknown/unauth / ( my name and account number here ) CREDIT {$5.00} XX/XX/XXXX XXXX Org Unknown/unauth / ( my name and account number here ) CREDIT {$5.00} I can not find any information on the internet with " XXXX XXXX XXXX '' or any XXXX XXXX XXXX. 
Please help My bank is Old National Bank
Product: Mortgage

I have been trying for over a month to apply for a 6-month mortgage forbearance plan ( as allowed under the Federal Cares Act ) with Lakeview Loan Servicing c/o XXXX. If you go to their website to apply, it doesn't matter if you are on a mobile device OR hard wired laptop OR desktop computer, it will not actually let you apply for a forbearance. When you submit, it says " CRITICAL ERROR ''. Clearly, with just a handful of items they ask you to fill out, there is no critical error and no reason that this would be happening. It is impossible to actually apply for a forbearance online with them. 

My wife has not been working for almost an entire year. She was recently on Washington State Paid family leave due to the birth of our daughter, and she was slated to go back to work about the exact time that the COVID mess started. She has now been out of work since XXXX and is obtaining minimal unemployment at this point. I truly do have a hardship related to the COVID pandemic and Lakeview Loan Servicing is not allowing me to apply for a forbearance as allowed  with XXXX XXXX loans via the federal CARES act.
Product: Money transfer, virtual currency, or money service

My debit card was used to fraudulently transfer {$250.00} from my checking account to XXXX XXXX in the XXXX. The fraudster had my address, birthday, email address and card number. They did not have my correct phone number. I have never had a MoneyGram account. Yet, they were able to open a MoneyGram account in my name and transfer the {$250.00} to the individual " XXXX XXXX. '' I contacted MoneyGram within 20 minutes of being notified by email of the transfer and they refused to refund or cancel the transaction. They instead referred me to local authorities. I have contacted my bank and they are conducting a fraud investigation. I have cancelled the card that was used. 

How is possible for a US based company like MoneyGram to enable such fraud by inadequately verifying their sources and not be liable for it? When I rent a movie on XXXX  I have to verify a text to my known phone number, yet someone from the XXXX is able to pull XXXX out of someone else 's checking account?
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found several billing mistakes. These late payments dont align with my usual payment record.
Product: Credit reporting, credit repair services, or other personal consumer reports

i check my credit report and notice some inaccurate addresses on my report thats not mine and i would like for them to be delete it from my credit report.i have attached an update letter to correct my personal information stated on XX/XX/2020 to the XXXX XXXX AND EXPERIAN.
Product: Credit reporting or other personal consumer reports

Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 
I urgently request that XXXX conducts a thorough investigation into this matter to address the FCRA violations promptly. As a consumer, I am well-versed in my rights under the FCRA, and I trust that XXXX will take the necessary measures to rectify this situation in compliance with the law.I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau , the XXXX  XXXX Office , the XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.
Product: Mortgage

My mortgage with California Bank & Trust was in forbearance due to XXXX. I resumed making payments on XX/XX/21 & have made a total of 6 payments since then. I have made numerous efforts for the bank to modify the loan & add the forbearance amount to the back end of the loan & to reduce the monthly mortgage payments. I have filled out all papers they have requested numerous times. They keep giving me the run around & keep coming back asking for more documents & many times the same docs as they keep saying the docs submitted have expired. All mortgage communications are done on line & it is very difficult to get anyone at the bank with real knowledge to help out. The ones who I have talked to keep giving incorrect information. I have even gone in to their local branch where the branch manager has tried to help in vain. Not only this, the bank has put negative remarks in my credit report. All I am trying to do is get the bank to modify the mortgage which was in forbearance under the CARES Act due to the XXXX pandemic. Instead of making the process to modify smooth & simple, they are doing everything to stall it, frustrate their customer and make the process impossible to complete. I am finally writing to you to plead my case so that California Bank & Trust will do the right thing by modifying the loan and remove the negative remarks they have added to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Bank Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, 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. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Ok I am contacting you because of Portfolio Recovery Associates. There are XXXX accounts with Portfolio Recovery Associates , LLC. When I noticed these accounts on my reports via XXXX. I went directly to pull my reports and I disputed the accounts with the credit report agenices and they all came back verified, I then realized Portfolio recovery did not validate before reporting to the credit bureaus, a collection agency is not allowed to continue collection activity if a consumer disputes the account within XXXX days, but they never made me aware of these accounts prior to showing up on my reports. I never heard of this company into they appeared on my reports.This violation falls under 15 USC 1692g 809b.Also they have failed to mark my XXXX credit report as disputed. This violation falls under 15 USC 1692e 807 ( 8 ). I then contacted them threw the XXXX and got the same responses back, but this time XXXX accounts were removed from my reports, but funny thing is they verified these with he credit bureau a month prior and said the accounts are reporting accurate even though they were n't .It also came to my attention a collection agency is not allowed to report a collection account as " OPEN '' And should be under negative collection accounts " NOT '' Under Accounts " other accounts '' showing as if im past due with late payments. This reporting is wrong and should have been change when they supposedly verified with the credit report agency 's XXXX dispute, but is still not changed. I am going to attach proof the accounts are showing as open and under the accounts tab. Portfolio has also updated the date they XXXX reported the accounts which was XXXX months prior and now it says XXXX reported XX/XX/2015 when it should state it was disputed and updated XX/XX/2015. Now all of a sudden they are updating their end to fit there needs so they do n't get caught up in there lie that they did n't notify me directly of the account accounts are 1.XXXX2.XXXX3.XXXX 
4.XXXX5.XXXX6.XXXX I will attach all information if possible. I have the prior snapshots and current snapshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Product: Credit reporting or other personal consumer reports

There are accounts reporting on my credit that I have several times reported fraud identity theft they refuse to take it off my account t Ive called at least XXXX ti, es nothing gets resolved. XXXX XXXX bank is reiiryung I had an account with them for XXXX credit card. Ive never had an XXXXXXXX XXXX card before. They will not listen. On top of mountain America keeps also reporting Ive never had a mountain America credit card and now its in collection.
Product: Checking or savings account

My HSBC personal account and business account has been hacked since XX/XX/XXXX. I notied today. There were several transactions to transfer fund from my accounts to unknow accounts. I called HSBC security dept. I was told that someone login from New York to do the transactions. I am currently in XXXX. I have not login my account for almost a month.
Product: Debt collection

I am writing to submit a claim against Gold Key Credit INC. in the amount of {$790.00} for a medical bill for my daughter that was sent to them in error. I have never received any written communication from the company in regards to this debt nor have I ever received a call. The debt was taken on consignment from XXXX XXXX XXXX, a billing company for XXXX XXXX Hospital located in XXXX XXXX, New York. I contacted the company on XX/XX/XXXX of this year after pulling my credit and seeing the derogatory mark. Upon some investigation I have found out that this debt should never have been sent to the collection company and I would like to dispute it.
Product: Debt collection

This is a old debt from XXXX SC and is now handled by XXXX XXXX XXXX ( collection agency ). The medical company XXXX SC will not provide a itemized bill, or state anything more than XXXX XXXX. This was from an emergency visit some years ago. The hospital bill was paid via insurance leaving a remainder that was paid by me. My out of pocket expense, that was paid by me, was just over XXXX for the visit in total. I was told by the hospital that the bill was complete and i should not of received any additional billing. XXXX has ignored my requests which have been via phone call and letter. I have no problem paying a bill, if i know what it is for. XXXX SC refuses to say what this XXXX and some odd dollare bill was for in regards to the visit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifac for failing to proparly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C. 5536, as highlihgted in the CFPB 's recent administrative proceeding ( File No. 2025- CFPB-0002 ) against them for similiar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provide consumers with the necessary proof of investigation.
Product: Credit card

XXXX from us bank in XXXX called to see if I wanted a credit card. I applied and she said she would get back with me the next day. I tried to reach her multiple time within the week with no call back or answer. I was sent a text message to verify my identity. Since I had a fraud alert on my account, I was told I had to take my drivers license to a nearby branch for verification. When I went to the branch, they told me the only branch that can verify your identity is the branch that applied for the card. After the car was applied for the branch manager called me to have the car sent to my mailing address which I gave her. My current mailing address, repeated it and told me that it is changed in the system. I found out that the card was not sent to my current address, but to my previous address after, specifically having a conversation and verifying the current address with the bank manager. This bank is very unprofessional. XXXX and the branch manager allowed my information to be subjected to fraud and possibly identity theft due to their negligence of not putting the correct address after I verbally stated with the branch manager twice and she repeated the address back to me and still sent the credit card to the wrong address.
Product: Debt collection

I had taken out two loans with this company, one on XX/XX/XXXX for {$700.00} ( total paid in full plus interest {$1500.00} ) and a second loan on XX/XX/XXXX for {$1000.00}. During repayment for the XX/XX/XXXX loan,  I was counseled that in NJ lenders must be licensed by the state in order to offer loans to its residents and prohibit lending at an excessive interest rate. In addition, it is illegal to provide any loans at a rate higher than 30 % in NJ. I reached out to the company to inform them that because of their practice the contract is invalid and since I had paid {$820.00} in excess interest rate fees, I revoked ACH withdrawal for my XX/XX/XXXX loan since the company was paid more than full. In response to my letter dated XX/XX/XXXX, the company claimed that they have tribal law immunities and can collect on this debt and requested a settlement of {$240.00}, which I denied because they had already been paid {$820.00} in excess fees. I sent a follow up letter dated XX/XX/XXXX, in which I did not receive a response. On XX/XX/XXXX, I received an email ( which I clearly stated in my XX/XX/XXXX letter that I am only accepting communication through regular mail ), stating that my debt is 120 days in collection and will be reported to the credit agencies. This company has already been paid in excess and should not be collecting on this account. They also refuse to follow consumer 's request method of communications, ignore requests, and threaten to place an account which I more than paid their company for with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Identity Theft XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX XXXXXXXXXX**** XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : 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.
Product: Debt collection

I got a XXXX collection notice in mail today about a lab that I had done. They did not do all the labs that needed done so I had blood drawn 2 time s and they did not send it to insurance first.