23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/25 I noticed my card was stolen with money on the XXXX play platform, and informed the customer service which company issued the vallina gift card. I followed their instruction to submit the dispute form, and was informed that the investigation takes about 90 days after receiving the form, which they confirmed it was XXXX as the starting date. However, I haven't received any response or investigation result from the investigation team, which I tried to contact them every month before and after the period of 90 days. What disappointment is the company separate the customer service team and investigation team, and no any contact information for the investigation team. What even worst from the customer service is they have neither approach to contact the investigation team and nor the right to retrieve the investigation result. In the last contact, the customer even hang out my phone call to follow deeper the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent Eastern Account System a check which they cashed a check from me in reference to an account that I owed them. I paid {$70.00} for them to delete the account and they said it would be deleted. I filed a bbb complaint and they said they would delete. Then I emailed them again in XXXX that it has been months since they were supposed to delete but it is still reporting and they gave me a 30-60 turn around time from the date they input the deletion request it has been way longer than that.
Product: Checking or savings account

I sent a payment to my mom via PayPal. The transaction happened XX/XX/XXXX. I sent {$1800.00}. PayPal tells me it randomly decides when the payment must be an echeck. This time it was. It cleared my bank on XX/XX/XXXX or the same day. Today is XX/XX/XXXX and my mom has not received her money. PayPal tells me it needs to go through a clearing house. This was not an astronomical amount, my mom is not a new receiver and I routinely pay larger amounts with no issues. I believe they are floating these echecks and collecting the interest.
Product: Bank account or service

In XXXX, 2014, my TD Bank business account was compromised and more than {$1000.00} was stolen. This is the sole business account for a small business my husband and I run together, which we use to support our young kids. I discovered the fraud in XXXX, because we were moving houses when it happened. I did my banking with the XXXX. XXXX, NY branch of TD Bank. When I informed them of the fraud, they put me through the wringer with multiple lengthy phone calls and long meetings at the bank, then reimbursed me for the XXXX fraudulent transactions. The representative at the bank was new and not familiar with the protocol, and the managers decided that she should learn by feeling her way through this problem, which was not fair to her or to me. 

I combed through my bank accounts, looking for other instances of fraud, with no help from TD Bank. They could not provide even the most basic information about transactions, leaving me to do my own forensic accounting for hours. I discovered more instances of fraud, but the manager told me that I would not be reimbursed for anything over 90 days old. I asked for better fraud protection, such as a text alert for any transactions over a certain dollar amount. The representative told me they did not provide that and would not be doing it in the future. They repeatedly said " It 's your responsibility to review your statements. " TD Bank is making it harder for consumers to detect and prevent fraud, then they are refusing to reimburse for older transactions. Making this difficult for the consumer is beneficial for them financially. They are making money off of their unsecure banking. 

I would like to be reimbursed for the {$400.00} charge I found that is more than 90 days old, and I would like to be reimbursed for the XXXX overdraft fee that was caused by the fraud. Equally important, I 'd like TD Bank to change their policies : 1 ) Fraud is fraud, no matter when it happened, and 2 ) they need to make it easier for customers to monitor their accounts by allowing customers to set up text alerts. 

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

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original XXXX XXXX XXXXXXXX XXXX / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

CREDCO XX/XX/XXXX XX/XX/XXXX Miscellaneous XXXX. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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, credit repair services, or other personal consumer reports

Urgent Action Needed : Discrepancies on My Credit Report " Notice to agent is notice to principal, notice to principal is notice to agent. '' I hope this message finds you well. I am writing to express concern regarding several inaccuracies found in my credit reports provided by your agencies. These discrepancies are impacting my creditworthiness and causing undue obstacles in my financial life. 
As per the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ), I kindly request you to investigate and correct the following discrepancies : 1. Name Variations : The only correct name on the report should be XXXX XXXX XXXX. Please remove all other variations including : * 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 2. Employment History : The sole employer listed should be XXXX XXXX. Please remove all other employment records including : * XXXX XXXX * XXXX XXXX * XXXX XXXX * XXXX XXXX XXXX * XXXX 3. Contact Numbers : Please remove all phone numbers except for ( XXXX ) XXXX. The numbers to be removed include : * ( XXXX ) XXXX * ( XXXX ) XXXX 4. Residential Addresses : The correct and sole address listed should be XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Please remove all other listed addresses including : * XXXX XXXX XXXX XXXX, IA XXXX * XXXX XXXX XXXX XXXX XXXX OK XXXX * XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX * XXXX XXXX XXXX XXXX XXXX, TX XXXX * XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX * And other incorrect addresses as provided Your immediate attention to this matter is not only greatly appreciated, but also crucial in maintaining the integrity of your reporting. I'm sure you understand the importance of accurate credit reports, and I'm counting on your professionalism to quickly rectify these errors.

Please note that failure to resolve these inaccuracies may constitute a violation of the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). 
I look forward to a resolution to this matter. Thank you for your prompt attention. 
Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following the Equifax data breach reported in XX/XX/2017, I attempted to check on the Equifax website to see if I was impacted or not. Because I live in the XXXXXXXX for the most part, the website did not work so I called Equifax 's call center. 
The call center agents were unable to help me and told me to contact Equifax XXXX, though I am a US Citizen with credit cards and bank accounts in the USA. 
I was told that there was no other way for me to check on anything and that they were very sorry that they could not help. 

I have now paid XXXX to place a freeze on my credit as I can not check or be sure what the situation is, and Equifax wo n't tell me much more.
Product: Credit reporting or other personal consumer reports

In accordance 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. 

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, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than 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: Student loan

My student loans were transitioned to Mohela about 6 weeks ago as part of PSLF planning. Prior to this transition, I had a XXXX dollar repayment in place on my IDR plan prior to COVID forbearance. Previously, my date for recertification of income was XX/XX/XXXX, which given the last adjustments to forbearance end date and Studentaid.gov policy, should have been extended to XX/XX/XXXX. 

When Mohela took over my loans, they removed these remaining months on my IDR repayment and have listed me for a monthly payment of over XXXX dollars. I called to have this reviewed and adjusted on XX/XX/XXXX. After being repeatedly told, incorrectly, I would need to refile an IDR application, I spoke to a manager and was told they understood the issue and had seen this mistake made with other borrowers. They said it should not be a problem to fix. However, after 3 weeks I still did not hear anything and my account was not adjusted. 
I called again on XX/XX/XXXX and was told the request was still open and they attempted to expedite this. I was given a reference number by Mohela for this issue of XXXX. I was told it should be resolved by the end of last week. However, this did not happen. 

I called again yesterday XX/XX/XXXX and was told the request was still open with no updates. I was able to speak to an escalation agent who told me they can not confirm anything will be fixed and would look into the issue. They said they emailed management as part of the reason for the issue is my loans are currently under 2 separate plans ( REPAYE/SAVE and Graduated Repayment ), despite studentaid.gov guidelines saying borrowers should not have different plans for different loans. The escalation agent, XXXX, said she could expect more information for me in another 7-14 business days. 

This would take me to XX/XX/XXXX at which point forbearance will be ending and I am very scared I will be billed incorrectly for over XXXX dollars next month.
Product: Checking or savings account

I am writing to formally request a refund of all overdraft fees that have been charged to my account since its inception. My account number is [ XXXX XXXX XXXX ]. Over the course of my relationship with Navy Federal Credit Union, I have consistently noticed overdraft fees being applied, despite the fact that I had sufficient funds available in my account at the time the charges were made. 

These fees have caused me significant financial strain and inconvenience, and I believe the charges have been applied in error. I kindly request a review of my account from when it was opened to the present and a full refund of any overdraft fees that were improperly charged. 

I value my membership with Navy Federal and would appreciate your attention to this matter. I am hopeful that you will resolve this issue quickly, as these fees have caused considerable financial hardship. 

Please contact me at your earliest convenience at [ XXXX XXXX XXXX ] or [ XXXX XXXX XXXX ] if any further information is required. 

Thank you for your prompt attention to this issue. I look forward to hearing from you soon. 

Sincerely,
Product: Debt collection

I closed my account with XXXX a year ago. since my phone was nearing the end of the lease, i negotiated that i return the phones and i will be mailed the last bill which was suppose to be around {$250.00}. 

i was never mailed the last bill, i attempted to log on the account so i can pay for it but my login was already closed only within 20 days of going to another company. 

I was immediately sent to a collections agency, which i disputed because the amount was higher than i owed and upon reading the details. they added the phone charge which i returned. I was upset with XXXX XXXX about this and i attemted to dispute directly with them. In my displeasure with multiple agents. i recorded our communicaiton with the agent which confirmed my every attempts to settle. But i was notified that there is no longer anythig they can do as its been sent to collections. 

I first dealt with a separate collector which agreed that i do no owe that amount and immediately sent the collections back to XXXX. 

It was then sent to another collections. XXXX XXXX XXXX, who i made an agreement with since the payoff amount was close to what i believed i owed with the agreement that they will not hurt my credit. 

They immediately sent a revised bill ( attached ) in XX/XX/year> with the amount now doubled at {$530.00}. even at my displeasure with this terrible tactic i decided to settle with them by giving them my credit card number over the phone to charge just so they can go away. months later i called them because i realized that they did not charge my card and was told that that the debt is no longer in their system. 

Forward to now, i got a credit alert that something negative is on my file. which is another company Name AMSHER COLLECTION SERV Address XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX bill is for XXXX now at {$920.00}. 
i feel that these companies are bullying me and hurting my credit. 
I tried to call his company but their phone systems doesnt even work right ( video attached )
Product: Debt collection

NOTE : There's not really any major dispute in events that I'm aware of, so for documents, I'll attach Pennymac 's own employee notes. The documents, fax receipts, or anything else I will produce upon request. 

I am writing to file a formal complaint against PennyMac for their illegal foreclosure on my deceased mother 's house and their blatant disregard for my rights under the Real Estate Settlement Procedures Act ( RESPA ), particularly the 2018 update pertaining to successors in interest. 

Upon my mother 's passing, I promptly established contact with PennyMac, despite it being their legal obligation to reach out to me. I inquired about the necessary steps and offered my mother 's power of attorney, which PennyMac employees confirmed would grant me access to the account, as noted in their records. When this approach failed, I went through the probate process and faxed my probate documents to PennyMac on XX/XX/XXXX. However, this effort was futile as it did not grant me access, and no one could provide an explanation. 

Throughout the months of missed payments, PennyMac never attempted to contact me. The notice of default was addressed to my deceased mother, further complicating the situation. After the foreclosure, I repeatedly raised concerns with PennyMac employees, emphasizing that it was illegal for them to refuse my payment despite my diligent efforts. I explicitly mentioned RESPA violations, but my concerns were consistently dismissed. 

On XX/XX/XXXX, the Friday before the auction, a PennyMac employee finally decided to investigate the issue. After thorough examination, he identified that the unresolved issue from XX/XX/XXXX was my photo ID. Despite acknowledging the error, no accountability was taken, and the employee stated there was nothing he could do except advise me to apply for loss mitigation. 

I am a XXXX XXXX XXXX XXXXXXXX veteran, and losing my home to PennyMac 's unlawful actions would strip me of approximately 30 % of my monthly income, which would now have to be allocated to rent. The actions of PennyMac have caused indescribable damage to my life, preventing me from gaining closure on the most traumatic experience I have ever faced. I came to live here in XX/XX/XXXX to take care of my Currently, I am actively involved in a wrongful foreclosure lawsuit against PennyMac. I am seeking the CFPB 's assistance in not only strengthening my lawsuit but also in establishing a claim for the maximum possible damages. I firmly believe that PennyMac 's actions are in clear violation of RESPA and the XXXX update regarding successors in interest. 

I kindly request that the CFPB thoroughly investigate this matter and take appropriate action against PennyMac. Their practices have not only caused me significant financial harm but also immense emotional distress. 

Thank you for your attention to this urgent matter.
Product: Credit card or prepaid card

Target Red Card has placed a couple late payments on my credit report. I am a XXXX XXXX  and during the pandemic I was on the road non stop. The company I was working for instructed me to use direct deposit to be paid. I used my XXXXXXXX XXXX and updated with target red card. The issue was is they didn't apply it right away. When my next payment was due the autopay I have set up attempted to take payments from my XXXX XXXX account. There was no funds in this account to cover the payments. Instead of target notifying me or sending me any communications they reported late payments. I sent Target an explanation and asked them to remove the late payments since their site neglects to inform users that the institution change doesn't go into effect right away. This is ridiculous. I'm on XXXX XXXX XXXX XXXX XXXX XXXX and Target treats me like this? They should do better!
Product: Credit reporting or other personal consumer reports

They verified this account as mine despite the fact the information on the credit report is inaccurate. No accounts with XXXX account # XXXX or XXXX account # XXXX were verified using XXXX, XXXX and transunion information.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN Credit Reporting Agency is reporting my Registered Business ; XXXX XXXX on my Consumer file and has connected it to my personal information. Account : US DEPT OF ED account # XXXX is connected to my personal information and account and needs to be removed immediately. 
I am the XXXX XXXX XXXX of my Estate. 
My Estate is identified with EIN number XXXX