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

I had a IRA CD with TD Bank that was due on XX/XX/XXXX. I submitted the paperwork to have it transferred to another Bank on XX/XX/XXXX
The check was to be made out to the other bank and it should have been made on XX/XX/XXXX the day that the CD was due. We continued to check with the new bank to see if the money had arrived and was told no.
I went to the TD Bank on Tuesday XX/XX/XXXX to verify that everything was all set and the young lady told me that the account had been closed so I assumed that the money was sent. When the other bank had not received the funds by XX/XX/XXXX I went to the TD Bank in XXXX MA again on XX/XX/XXXX and spoke to XXXX XXXX at XXXX. He check the account and told me that the check was sent that day Aug 4th. He said that they had 10 days to process the CD which I understand is not correct. I have ten days to decide what I want to do but the bank needs to process it when they have the directions which was prior to XX/XX/XXXX.
XXXX was to call me on Monday XX/XX/XXXXto give me the check number and tracking number but he did not call. On XX/XX/XXXX I called XXXX and he then told me that the check was sent on XX/XX/XXXX.
I then talked to the Branch Manager XXXX XXXX about this and he got me the check number but no tracking number and he told me that the check was mailed on XX/XX/XXXX.
They also reduced the interest paid from 1.25 % to 0.75 % for the period form XX/XX/XXXX to XX/XX/XXXX
I still do not have the check and do not know why they did not process it onXX/XX/XXXX which is the federal law.
I also think that they did not send the check until MondayXX/XX/XXXX so that they could use my money over the weekend without paying interest.
I do not understand how they can break the federal rules with no impact. They claim that they did not break any rules. I now must wait until the funds arrive in the US mail before I can roll over my IRA.
Bottom line is that TD Bank is not following the banking rules and taking advantage of their customers.
Product: Vehicle loan or lease

I have inaccurate charges on my account the guy read the payments seen that they werent right then got angered and wouldnt give name or Id I have it recorded I have all paperwork of previous people who handled matter and it was placed on my credit after it was supposed to be token care by Hyundai finance
Product: Credit reporting, credit repair services, or other personal consumer reports

In late spring XX/XX/XXXX I got behind on my car payments with my XXXX acct # XXXX because I had taken FMLA to take care of my terminally ill mother. XXXX XXXX  put my car up for repossession. I contacted XXXX and spoke with someone named " XXXX '' ( phone number XXXX ) around the XXXX XX/XX/XXXX and came to an agreement to catch up on my payments and continue my regular $ XXXX   monthly payment on the XXXX of each month which would be deducted from my checking account automatically. Below is a list of the transactions with amounts/dates of these automatic payments which were made directly from my checking account to XXXX XXXX. 

Details Posting Date Description Amount Type CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID In the past couple of months I began monitoring my credit reports trying to rebuild my credit and noticed that XXXX XXXX   was reporting this auto loan as charged off to bad debt, even though I've technically made every payment, but not always on time. I contacted XXXX to try to discuss this and they told me they can't speak to credit reports. On XX/XX/XXXX, I traded this vehicle in on a new vehicle and the finance manager told me XXXX is falsely reporting my auto loan with them as late payments every month and has my debt written off as bad debt and if I hadn't been able to prove this was not the case, I would not have qualified for a new auto loan. I tried to call XXXX again to discuss this while at the dealership and again they told me they don't discuss credit if I had an issue to go directly to the www.ftc.gov website. This car has now been traded in and the account paid in full.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : XXXX XXXX XXXX, Amount {$3300.00}, Account # XXXX Account : XXXX XXXX XXXX Amount {$790.00}, Account # XXXX Account : XXXX XXXX XXXX, Amount {$3900.00}, Account # XXXX Account : XXXX  XXXX, Amount {$510.00}, Account # XXXX Account : XXXX XXXX, Amount {$740.00}, Account # XXXX Account : XXXX XXXX XXXX XXXX, Amount {$26000.00}, Account # XXXX Account : XXXX, Amount {$2800.00}, Account # XXXX Inquiries : XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

To Whom It May Concern : I am writing to formally address ongoing and unresolved issues regarding the servicing of my mortgage account in XXXX, Texas. As a XXXX XXXX XXXXXXXX veteran with a limited income, as documented in the enclosed Veterans Benefits letter, the mishandling of my account has caused undue financial hardship. Below, I detail the key concerns : 1. Unauthorized Escrow Conversion My mortgage account was converted to an escrow account without prior notification. Shellpoint, as the mortgage servicer, failed to provide either written or electronic notice of this significant change, which is a violation of applicable regulations, including the Real Estate Settlement Procedures Act ( RESPA ), which requires servicers to provide proper notice of any changes affecting a borrowers payments. 

2. Failure to Notify of Delinquent MUD Tax A delinquent Municipal Utility District ( MUD ) tax balance arose due to a communication error. While my property tax bill was sent to my correct mailing address, the MUD tax bill was sent to the rental property address and was not forwarded, leaving me unaware of the delinquency. This oversight resulted in an inaccurate escrow analysis and a dramatic increase in my monthly mortgage payment from {$2100.00} to {$4700.00}. Under Texas Property Code 32.06, servicers are obligated to ensure accurate tax payment management. 

3. Escrow Payment and Denial of Non-Escrow Request On XX/XX/year>, I made a {$7800.00} payment to reconcile the escrow balance based on assurances from Shellpoint representatives that this payment would resolve the issue. However, the elevated mortgage payment remains unchanged. Furthermore, my request to revert to non-escrow status was denied without notification or explanation, violating transparency requirements under RESPA. 

4. Escrow Balance Discrepancy and Communication Issues The most recent escrow analysis reflects an inflated balance, despite Shellpoint receiving both a refund from the MUD utility and my escrow-only payment, along with multiple elevated mortgage payments. The lack of clear communication regarding these matters violates the Truth in Lending Act ( TILA ), which mandates accurate and transparent disclosures to borrowers. 


Thank you for your prompt attention to this matter. 

Sincerely
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year> XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Today, XX/XX/XXXX, I received a letter from Bank of America notifying that this bank could not help with " my '' credit card request. Since I do not have any idea what that mean to me, I would like to notifying this letter.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Credit Information Under 15 U.S.C. 1681 Dear XXXX, I am writing to formally dispute the reporting of a closed account on my credit report, specifically the account with the number XXXX, which was opened on XX/XX/XXXX. I believe this account is being reported inaccurately and request that it be deleted from my credit report. 

I would like to bring to your attention that I never provided written consent for any creditor to furnish my information or obtain my information as required under 15 U.S.C. 1681b. Therefore, I dispute the validity of this account being reported on my credit file. 

The details of the account in question are as follows : - Account Number : XXXX - Account Type : Credit Card - Date Opened : XX/XX/XXXX - Status : Closed As I did not authorize this reporting, I request that you conduct a thorough investigation into this matter. If you are unable to provide the necessary documentation showing my consent for the reporting of this account, I ask that you promptly remove it from my credit report. 

Please send me a copy of my updated credit report reflecting any changes made as a result of this dispute after your investigation is complete. 

I appreciate your immediate attention to this matter and look forward to your response within the 30-day investigation period required by the Fair Credit Reporting Act. 

Thank you for your cooperation. 

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

ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ),  independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ... The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by  using an array of ...
Product: Credit card

American Express froze my Membership Rewards account for no reason and claimed that I 'd have to wait up to 6-8 weeks to use it. I have travel plans and plan to use the points but now I have to drop my summer travel plans because of that.
Product: Debt collection

CAPITAL ONE BANK USA XXXX CAPITAL ONE XXXX XXXX, VA XXXX Got an credit card through XXXX XXXX  for capital one bank For {$300.00} I paid what was old to them now they're asking for an additional {$100.00} because they're saying late Fee and serve charges I received a letter from capital one bank stating that they will take this off my credit report however I just check my credit report once again and it's on all 3 of them Unpaid But close I reached out to capital one which they sent me a letter stating that they're not gon na report it to the XXXX XXXX anymore and they're gon na take it off my credit. because I did not give them permission to put it on my credit nor did they give me any paperwork to opt out I also send them paperwork put in them on notice and this is what was in my paperwork This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX or around that time without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX Best regards, XXXX XXXX XXXX : CFPB via fax ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know why TransUnion reinserted blocked information back to my credit report. I am a victim of identity theft, and I state that the XXXX XXXX XXXX account ( account no : XXXX ) is a fraudulent account. Please help me to resolve this problem with the TransUnion credit reporting agency and the credit card company. TransUnion needs to delete the XXXX XXXX XXXX fraudulent account from my credit report.
Product: Student loan

In XX/XX/2019 I submitted the necessary documentation for renewal of my IBR. On XX/XX/2019 Navient sent me a letter stating it's approved and that my new payments plan will be sent to me after XX/XX/2019. ( See attached ) However, Navient has not sent me this new payment plan. 

Please have Navient send me the new payment plan as they are required to do under Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative information reporting. Sure enough, there was a collection account reporting as XXXX XXXX in the amount of {$1400.00} for XXXX XXXX. I have never had XXXX XXXX and this account is not mine. There is another collection with XXXX XXXX in the amount of {$66.00} for account that I never had. There is also a closed account for a company called XXXX   that I never had. I have contacted the local police department and have amended my current police report to add these additional accounts.After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have also submitted a complaint to the FTC and have a report from them as well. The fraudulent inquiries are XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX   and XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this rebuttal to Edfinancial Services ' response to my initial complaint regarding the inaccurate and unauthorized reporting of student loan accounts on my credit report. Edfinancial cited my Master Promissory Note ( MPN ) as their basis for reporting, but this does not exempt them from compliance with the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). They failed to provide documented proof that I authorized the release of my personally identifiable information to credit reporting agencies. I request a full investigation and immediate removal of the disputed accounts due to non-compliance with federal laws.
Product: Credit reporting or other personal consumer reports

31 CFR 29.518 - Reporting delinquent debts to credit bureaus. ( e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or XXXX.

Account is in dispute. I did not give authority or permission to report. I have opted out and this needs to be removed immediately.

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently reporting " XXXX XXXX XXXX '' to my credit report, as of XX/XX/23 this account was reported as a collection or closed account. Although the collection agency and I have requested that it be deleted. The debt was paid in full. I've also submitted a dispute with Equifax, and nothing has changed unfortunately. It is against the law for Equifax to report incorrect information to my report.
Product: Debt collection

I received a letter from Radius Global Solutions for a {$1400.00} debt that does not belong to me ( reference number XXXX ), related to an XXXX XXXX XXXX account XXXX that does not belong to me, without providing any further details/information. I sent them an email and a letter by mail. Your help is greatly appreciated. This situation has caused a lot of distress in my life.
Product: Debt collection

I have several things to appear on my credit that does not belong to me. One which is my niece by marriage by the name of XXXX XXXX we have different names. Socials and date of births but yet they continue to add her debts on my credit report. Also they have attached my decease husband social on to my credit report and it is causing score to drop extremely low and I am currently trying to purpose a new home and my credit report is stopping that. I would like for you to check into it so that these items can be removed from my report because it is affecting my credit score really bad.
Product: Bank account or service

On XXXX XXXX, XXXX I made a deposit through the mobile app from Wells Fargo in the amount of {$4400.00} with XXXX checks from XXXX. ( {$400.00} and {$4000.00} ) I received a message saying the funds would be cleared on XXXX XXXX, XXXX ( every two weeks I deposit a similar amount into that Wells Fargo account which is my business account, the deposit is made on Thursday and it is always available on the next day, friday ). 
Something happened on Wells Fargo side that they placed a hold on the {$4000.00} check and did not release the funds into my account causing payments to be returned, overdraft fees Applied to my account and that inconveniency of having to explain to other parties why i could not pay them, including to the IRS which was supposed to receive a tax quarterly payment that did not go through due hold placed by Wells Fargo on the money. 
Yesterday, XX/XX/XXXX I went into a wells fargo branch, contacted a branch manager and he said the funds were not available because there was insufficient fund on the checks. 
few minutes after leaving the branch, i contacted the Company that issued those checks to pay me and they contact XXXX just to find out that the funds was released on the same day that I deposit the checks which was XXXX XXXX, XXXX. ( See attached document ) Me and the company that issued the check contacted the branch manager again, left several messages and sent few emails not receiving any response back. 

I need this resolved ASAP come up with the money placed back in the account, overdraft fees return and a letter from the bank explaining the mistake so I can take to the IRS and not be penalized for not paying my taxes when I was supposed to. 
Just a reminder the taxes was supposed to be withdrawn from my account on Monday, XXXX XXXX, XXXX four days after the deposit. 
I am very unhappy with this situation with Wells Fargo and I hope that this can be repaired ASAP because it 's causing damage to my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to transunion because I noticed some accounta being furnished that are not supposed to be. in there response they asked for proof of identification so I sent them my license and social security card. I have not yet recieved a response from themm regarding these account that should be removed from my consumer report. it has been more than 60 days. I also got a copy of my report stating it's deleted but I still see it being reported online and again it's been more than 60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

A account that is on my report that has been closed and charged off since XXXX is now updated and reporting missed payments from XXXX, when this account was charged off and closed 8 years ago. I went to Experian and ask them to update it correctly but instead they added XXXX Balance and a year worth of missing payments. This account use to only show a XXXX Balance and no miss payments. The company has continue to fail the people without doing the proper investigation