23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My original mortgage company, XXXX XXXX, transferred my FHA loan to Lakeview Loan Servicing several months ago. I send my check mid-month ( before the due date on the XXXX ). I don't get the statement from them until the middle of the next month. This month, my bank statement showed my check ( sent XX/XX/XXXX for {$1200.00} ) did not clear. I called the mortgage company. They couldn't find my check. I canceled the first check and sent a replacement check on XX/XX/XXXX for the same amount. It has been 9 days ( all checks cleared in under 8 days before ). What am I supposed to do if this company is so incompetent that they can't process my checks properly? I've called, I've emailed and got the response that they are looking into this ... .I have excellent credit and will not have my rating damaged by them. How can I get them to process my payment on time and send my statement in a timely manner? Thank you. checks sent to XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act Experian, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby submit a formal complaint against TD Bank, a financial institution operating within the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ), for egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. 

On the date of XX/XX/2023, I diligently transmitted a dispute directly to TD Bank via facsimile ( FAX ), and I possess irrefutable evidence, in the form of a confirmation receipt, affirming their receipt of said dispute. To my profound dismay, despite the unequivocal proof of receipt, TD Bank has, in contravention of its statutory obligations, disregarded my dispute, manifesting a complete absence of action in response thereto. 

It is my firmly held conviction that TD Bank 's wilful refusal to investigate my dispute and expunge the inaccuracies persisting on my credit history transgresses the tenets of the FCRA. The FCRA mandates that financial institutions undertake good-faith investigations into consumer disputes and take necessary actions to ensure the veracity and precision of consumer credit reporting. 

The deleterious ramifications arising from the presence of these erroneous marks on my credit report are not inconsequential, as they have culminated in an adverse impact on my creditworthiness and financial standing. TD Bank 's flagrant negligence in addressing this matter constitutes a pernicious breach of my statutory entitlements as a consumer. 

Furthermore, through a series of telephonic engagements with representatives of TD Bank, I have elicited repeated acknowledgments from the aforementioned personnel conceding TD Bank 's culpability in the reporting errors. Regrettably, these verbal admissions have been met with obstinate inaction, and the inaccuracies persist unremedied. 

In light of the gravity of this matter, I respectfully beseech the Consumer Financial Protection Bureau to promptly intercede. I implore your esteemed office to undertake a comprehensive investigation into the systemic violations perpetrated by TD Bank and to vigorously enforce the full panoply of remedies and sanctions available under the FCRA. 

Your invaluable assistance in effectuating a judicious resolution to this peremptory matter would be an exemplar of the CFPB 's unwavering commitment to safeguarding consumer rights. I earnestly request that I be apprised of the investigative proceedings and ensuing measures employed to address this exigency. 

Thank you for your expeditious attention to this momentous issue. I anticipate, with sanguinity, the consummation of an equitable and expeditious resolution to redress the iniquities perpetrated upon me. 

And yes, I am an attorney : )
Product: Payday loan, title loan, or personal loan

Interst rates so high can not seem to pay down the loan and it is Interfering with financial stability.
Product: Checking or savings account

BBVA ( formerly BBVA Compass Bank ) has repeatedly put longer holds on cashier 's checks and outgoing wires from my checking accounts at the bank than what they told me the period would be. BBVA told me that I would have a 5 business day hold on a {$55000.00} third party check when I deposited it on a Friday and the following Friday they told me it would be another 4 days hold for no reason. BBVA has also refused to put a block on ACH payments over {$5000.00} from my business account as instructed over the phone today, XX/XX/2020. I also requested that BBVA order cash in the amount of {$50000.00} so I can have it from my checking account and I was told that they will not give me cash, only a cashier 's check or do an outgoing wire. I have the right to order my funds dispersed in any legal tender and physical Federal Reserve Notes, or cash, is legal tender. BBVA has continuously violated banking laws and abused my consumer rights to manage my own funds in any legal manner I choose. This is an ongoing practice. BBVA also allowed a convicted felon to withdraw {$20000.00} of my money that was stolen from a branch in XXXX, Alabama years ago while the man was still in jail.
Product: Debt collection

I received a debt collection in XXXX, while I didnt recognize this debt. I need more proof of the debt also my address has changed so I probably cant receive further notice, can you plz help me fix the problems?
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX, XXXX XXXX and XXXX   XXXX
Product: Credit card or prepaid card

In XXXX of this year, I filed a fraud claim with Bank of America due to some fraud that occurred on my account. I was defrauded by a guy named XXXX XXXX who was given temporary access to the account to set up a payment to my card from his checking account, due to some funds he owed me. I noticed that after the payments were made, ( around XX/XX/XXXX ) there were several different amounts that this person transferred off of my credit card into his own personal checking accounts. On XX/XX/2022, he transferred {$5500.00} into his checking account. On XX/XX/2022, he transferred {$5800.00} into another checking account, and on XX/XX/XXXX, {$100.00} was charged to my card without my permission. On XX/XX/XXXX, {$3800.00} was transferred off of my credit card, into a separate account. Lastly, all of the payments this person previously made to my card, reversed later on!! I reached out to BOA, and informed them of this activity, and initially I was given several provisional credits, but as time passed, they took those back, and denied my claim, several times. On top of that, my balance increased tremendously since I filed my claim. It jumped from XXXX XXXX some odd dollars to over XXXX XXXX XXXX XXXX. What is ridiculous is the fact that the bank knows I have been a loyal customer for 16 years, and have had a stellar payment history with them. So now that I am a victim of fraud, they have left me high and dry, and have not erased XXXX XXXX  worth of this fraudulent debt. I was expecting some help from them, but they have provided none!! I have provided a copy of my police report to the bank, and have been completely honest with them. I don't understand why they want me to eat all of this fraudulent debt, considering I have been a good customer for over 16 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a car through XXXX and was approved by Chase Auto Finance, I don't ever recall setting up " electronic statements '' so Chase never sent me a bill. I was waiting for my bill and fell 2 payments behind which in turn they reported me late to my credit report agency.

I chatted with a customer service representative who kept emphasizing I was a " high risk '' account and kept explaining how I am able to make a payment to an account where I dot have access too online or over the phone because I don't have my account number. 

I made a prompt payment and am current on my payments, I was told they would review my account however I need removal of the late reporting due to bank error.
Product: Credit card or prepaid card

I received an undated letter by US Mail on XX/XX/XXXX, from Cardmember Service ( Elan Financial Services for Fidelity Investments ) XXXX XXXX XXXX XXXX ND XXXX. 

" To keep your [ Fidelity Visa ] card open, make at least one purchase by XX/XX/XXXX. '' ( [ sic ] XXXX of last year ) Elan Financial contacted me only by regular US Mail ; they admitted not attempting to send email nor call me by telephone before cancelling my Visa account. ( They certainly have all my contact information through Fidelity. ) The actual Fidelity Visa credit card shows its expiration date as XX/XX/XXXX, but the account was closed by Elan Financial last year because I had not made a purchase in 24 months. I have had this same card since XXXX with a {$31000.00} credit limit ; I used it for emergencies ( life events ). There were certainly longer prior periods of disuse, so theirs can only be a brand new policy. 

I spoke with Elan financial Services on Sunday XX/XX/XXXX, and spoke with Fidelity Investments on Monday XX/XX/XXXX. Because I was not able to respond to their paper letter within 30 days, Elan Financial refuses to reopen the account nor will they agree to issue a new Visa card with the same credit limit. The only path forward they offer is to reapply for a credit card, with no guarantee of achieving the same credit limit. 

This is not merely an inconvenience. I have depended on this card to pay for things like a funeral and a cemetery plot ; things in life you can't plan for. Elan has rendered me insolvent, and has negatively impacted my credit rating. Further, Elan Financial closed this Visa account without my authorization, even though my several other Fidelity accounts were active.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data leak. They said I may be affected by it so I am filing a complaint to make sure I was or was n't.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a secured loan account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), an collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of ( private ) and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Inaccurate credit reporting. My student loans were in deferment with XXXX and since they took over i have incorrect information reporting that has damaged my credit report. I called and they advised me to call the credit agency. They are reporting inaccurate according to US Code 1681. I will file litigation suit against them if this isn't resolved. I am so sick of inaccurate credit reporting and you allow them. According to them, I was in forebearence. If thats the case why are you reporting inaccurate information
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Inquiries - XXXX XXXXXXXX XXXX XXXX  XXXXThis inquiry was not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized. Please remove it from my credit report immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -this inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XXXX XXXXXX/XX/XXXX -This inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XX/XX/XXXX XXXX this inquiry was not authorized. Please remove it from my credit report immediately. 

Accounts - XXXX XXXX this account is being reported inaccurately, please remove this from my credit report immediately
Product: Money transfer, virtual currency, or money service

I sent money via PayPal 4 times using friends and family option. The seller XXXX XXXX uses friends and family XXXX XXXX and XXXX XXXX both registered PayPal users to take the funds and never ship the goods or provide the services. Many PayPal users are being scammed this way and PayPal allows this scamming to prosper never investigating blatant scamming. I consider PayPal to be complicit in these transactions and really should be fully investigated in this regard. I am a XXXX  XXXX citizen but transferred US $ via PayPal and expect my complaint to be fully investigated. I'm looking for a full refund from PayPal on all 4 transactions. Also this service paying via friends and family method must either be shut down or fully covered by PayPal as they take a fee for this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have account reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX XXXX. 
Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX. XXXX XXXX, Georgia XXXX SSN : XXXX Complaint : In accordance to 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. Account name : XXXX XXXX CO Account name : XXXX  XXXX CO Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX section XXXX A. States U have the right to privacy XXXX XXXX XXXX section XXXX A Section XXXX : It also states a Consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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: Checking or savings account

Citibank had a promotion for {$400.00} bonus if you deposit {$15000.00} in new money to Citi bank within a timeframe and I've already met the criteria and they are arguing with me that the bonus was not tied to my account and that they can't find it. It's been a couple months now with getting the run around from their customer service. My name is XXXX XXXX
Product: Money transfer, virtual currency, or money service

tried to link account from XXXX XXXX XXXX to PNC bank the XXXX site said that PNC has made a change that prevents the accounts from being linked.where I am prompted to file a complaint with you..
Product: Mortgage

As I explained before too many times, XXXX are selling and selling my mortgage. Right now, GREGORY FUNDING ( XXXX- XXXX CA XXXX. NO ADDRESS AS YOU CAN SEE ) is showing delay payments in my mortgage since I paid before to the prior Finance Company XXXX LOANS. These Companies are doing fraud to get more money. Now they are asking Fees & Changes. I do n't want to continue paying my mortgage with robbers. I want to pay my mortgage in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry from my credit file. I need the following inquires to be removed ( XXXX Inquiry Date XX/XX/2020 )
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of great concern related to what appears to be an ongoing and persistent issue of multiple attempts to remove fraudulent items from my credit report. Despite my previous efforts to rectify this situation, it is disconcerting to observe that unauthorized parties are making repeated and unauthorized attempts to alter my credit information. 


I have noticed and documented several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These unauthorized actions not only compromise the accuracy of my credit history but also raise serious questions about the security of my credit information. 

Despite the evident impact of these removal attempts, I have not been contacted by your agency for proper verification or authentication. The absence of thorough verification procedures is alarming and contributes to the ongoing vulnerability of my credit information. 

Given the persistent nature of these removal attempts, I am deeply concerned about the heightened risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a comprehensive investigation to prevent further unauthorized alterations to my credit report. 

I formally request that your agency conducts an immediate and thorough investigation into these incidents. Additionally, I seek regular updates on the progress of the investigation, along with detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called the XXXX XXXX XXXXXXXX Mutiple times and could not get thru. I requested info thru the credit reporting Breau with them not answering my request just saying it was verified but will not explain how. I also disputed these same accounts six years ago and they were deleted but added back 5 years later. These are fraudulent accounts, and I can not get any help. Also, the XXXX XXXX XXXX did not have my address and the Credit Breau 's informed them of my address. now I'm getting letters that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Sunrise Credit XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 The following items are listed fraudulently on my credit report. I have not did business with these companies or authorized them to run my credit.