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

TD Bank which claims themselves as Americas most convenient bank is in fact a XXXX company. The company falsely represents itself and has caused me and my company severe damage which can not be repaired. Their use of overdraft charges and lying has caused me great harm. The Company even  went as far as defaming me to a police officer making false accusations. I tried as hard as i could to get my overdraft monies back, but they wont pay, and i ended up taking them to court this morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Info Account number - XXXX Balance - {$27000.00} Account status - Open Date opened - XXXX XXXX XXXXXXXX Account type - Auto Loan This is a fraudulently opened account XXXX XXXXXXXX XXXX XXXXXXXX Account Info Account number - XXXX Balance - {$20000.00} Account status - Open Date opened - XXXX XXXX, XXXX Account type -Auto Loan This is a fraudulently opened account XXXX XXXXXXXX XXXX XXXX  Account Info Account number - XXXX Balance - {$24000.00} Account status - Open Date opened - XXXX XXXX XXXXXXXX Account type -Auto Loan This is a fraudulently opened account XXXX Account Info Account number - XXXX Balance - {$8400.00} Account status - closed Date opened - XX/XX/XXXX Account type - charge This is a fraudulently opened account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Info Account number - XXXX Balance - {$680.00} Account status - closed Date opened - XX/XX/XXXX Account type - collection
Product: Debt collection

This debt collector has engaged in abusive, deceptive, and unfair practices prohibited by the FDCPA. They have reported this account without our agreement, and I have not signed any agreement regarding it. A legal contract involves mutual consent from both parties, of which I have had no part. Furthermore, they failed to properly document my dispute of the account, directly violating 15 USC 1692e ( 8 ) and constituting unfair practices.

Under the FDCPA, I am entitled to {$1000.00} per violation, and it is evident that they have violated my rights. 

I demand that this company remove this account from all three credit reporting agencies and provide compensation for the violations. Otherwise, I will be left with no choice but to escalate this matter to my litigation attorney. They have informed me that the failure to document my account on my credit report as a " consumer dispute '' is grounds for legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached docs detailing the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. At this point I intend to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on a loan with the XXXX - partial account numberXXXX. This account reflects a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting or other personal consumer reports

Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

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

On XXXX XXXX 2017 I received an offer from Citibank for an AAdvantage Platinum Select World MasterCard which included XXXX bonus AA miles for spending  {$4000.00} in the first 4 months. When I applied, I was given a different offer which required spending {$3000.00} in the first 3 months. When I called about this, the CSR told me I was eligible for the bonus miles on the card which was approved. Now I have met the spending requirements, and Citibank is refusing to make good on their offer.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I tried to purchase a XXXX XXXX XXXX Premium from XXXX XXXX XXXX in XXXX. A few days to the start of the first monthly payment in XX/XX/XXXX, I discovered that the purchase contract and the warranty contain significant material misrepresentation. Knowing that the mileage largely determines the price and the value of the car, XXXX, the finance department staff, reduced the mileage of the car from XXXX, XXXX miles to XXXX. XXXX miles. Then he inflated the price from the listed price of {$13.00}, XXXX to {$17.00}, XXXX. I informed XXXX XXXX about it by phone and in writing. They advised me to contact the dealer and work with them to fix the errors. 

When I contacted the dealer, they first apologized for it and promised to fix the errors and send me a new contract for me to sign. I waited for the new contract but it never came. I, visited the dealership 3 times to get the new contract but they did not commit themselves to doing it. So, I returned the car to the dealership. I updated XXXX every step of the way and they told me they had made a note on my account. XXXX later closed my account and I filed a dispute with my bank for my {$2000.00} down payment from the dealership, which was later refunded. 
However, for some reason, XXXX reopened the account to make it look like I had financed a car with them and I am not making payments. I filed a dispute with TransUnion and the account was closed. Again, XXXX opened the account. This time around, claiming I owe {$16.00}, XXXX trying to make it look like a case of repossession but it is not because I was the one who returned the car and the keys to the dealership and requested my down payment, which was paid and the account was closed. 
This bad-faith behavior by XXXX XXXX has significantly jeopardized my credit score and overall credit health. In fact, the last time they reopened the account, my score dropped by XXXX points. Clearly, this is not doing good business. I believe I deserve a compensation from this dishonest behavior by XXXX XXXX. I need your help with stopping XXXX from continuing to use my information to report negative information on my credit report when they know very well that I do not owe them. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX certified that this account has never been late. I request the correct information be updated. Payment history and accuracy.
Product: Debt collection

The money {$1700.00} AFNI is co llecting is for an   XXXX   account which was opened under my name which is beyond my knowledge. In short, I was a victim of identity theft. I was not physically present nor have I made any  XXXX  account changes from  XXXX  until early  XXXX .
Product: Credit card

I have not heard from anyone. I would like to know what is going on. I have called twice and would like to know what is up. I need to get this solved. I have tried and tried to get ahold of someone. I would like to get my credit card taken care of ASAP.
Product: Checking or savings account

XX/XX/XXXX - I deposited a paper check from the Idaho State Tax Commission ( tax refund ) in the amount of {$1300.00} via mobile banking app for Wells Fargo Bank. Immediately after, I received a confirmation number stating funds would be available next business day on XX/XX/XXXX. 
XX/XX/XXXX - I received notice that all funds for this deposit are now being held until XX/XX/XXXX with reason given : contact maker of check. 
I called Wells Fargo Bank, spoke with customer service and they transfered me to Loss and Prevention - I spoke with XXXX, who was very rude and told me that the bank of the check issuer ( XXXX XXXX  ) notified Wells Fargo not to pay these funds and there is nothing he can do about it. 
XX/XX/XXXX - went to local wells fargo branch, was told to sit in lobby and wait for a banker-wait time " unknown ''. i was not able to stay past the 30 minutes I was there waiting, so I called customer service again - only to be told nothing can be done and that I need to contact the maker of the check. I called Idaho State TAx Commission and they looked up my information and said everything was fine on their end- they do not put holds on checks and that my bank is lying to me. 
I called Wells Fargo Customer Service AGAIN and spoke with 2 more people who also told me there is nothing that can be done and I will just need to wait until the XXXX for my funds to be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PAID THIS ACCOUNT OFF
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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Debt collection

I have attempted to resolve this debt with this collection agency. They have told me that they can not locate my file. I have sent them my FTC report and police reports but they tell me that I do not have a debt with them. However is that is being reported to the major credit bureaus
Product: Credit reporting

There is a public record listed on my Experian credit file which is a FEDERAL TAX LIEN Docket # XXXX which is NOT mine it is my fathers I have never owed the IRS. This is very inaccurate information and untrue and I want this remove ASAP
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX is currently reporting an account on my credit report that is over seven years old and should have been removed in accordance with FCRA guidelines. Under the FCRA, negative information such as delinquencies, charge-offs, and other adverse items must be removed from a consumers credit report after seven years from the date of first delinquency. However, despite the seven-year period elapsing, this account remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted complaints numerous times about inaccuracies on my credit report and they refuse to properly investigate and remove the inaccurate accounts. This will be their last chance before I file a lawsuit. I have multiple records of the complaints and proof of inaccuracies I submitted numerous complaints through the cfpb website to have them investigate the following accounts XXXX XXXX XXXX XXXX  Us Dept of Edu .The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate.The payment History dates are inaccurate. The account balances are inaccurate. This ground for removal they also violated my rights under 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

On XX/XX/2018 I received a credit report notification saying that Portfolio Recovery Associates is reporting a Collection Account on my 3 primary credit reports. They allege I owe XXXX XXXX XXXX the amount of {$1400.00} That debt is not mine. I asked for debt verification but they can not verified the account is not mine.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX  Balance {$0.00}, XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX, XXXX  Inquiry : XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : 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

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXXXXXX Balance {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXXXXXX Balance {$300.00} XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have XXXXcomplained times. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX.
Product: Mortgage

In XX/XX/XXXX, Chase lowered my home equity line of credit from {$160000.00} to {$100000.00} without my consent and this was against the Truth and Lending Act as verified with the lawsuit with other people in my situation. Chase made a settlement with them but they did not settle with me because I was not aware of it at the time. XX/XX/XXXX under Chase suggestion, I applied for a loan modification with one of their mortgage bankers at one of their branches. I supplied the representative with all the information required and completed all the paperwork. Chase received my application on XX/XX/XXXX and the proof is they stamped the first page. Since then I received all kinds of excuses that they never received it, that they lost it, and that they needed more info. Finally on XX/XX/XXXX they discovered the paperwork I had sent them in XX/XX/XXXX. But by then they said it was aged. Since then, I was under an 'inquisition ' and it is still going on with no end. I applied for Step Forward MI ( Hardest Hit Fund ) as well and supplied all the documentation required. I am also working with housing counseling agency XXXX University Extension and they are refusing to accept the documents that I provided to them. I am trying to do everything I can to allow Chase to ask for any updated information they needed but they continue to ask for more and more without end. They offered a repayment plan for {$650.00} a month for 20 years. They said this amount can vary because of the variable interest rate. I offered to pay {$550.00} because that is what is affordable to me ( not including taxes/insurance ) and I could even go up to {$600.00} but I need a fixed rate. I even suggested the loan go to 30 years. Chase was unwilling to consider these terms. They suggested I apply for a modification but I 've been trying to do that for over a year and half with them with no results. I am trying to work with them but they refuse to meet me halfway, give me an answer, or be reasonable with me. I get a different representative every time I call them and consequently I am not able to accomplish anything. Even the person that is assigned to you is never available and I have to talk with a random person every time.
Product: Credit card or prepaid card

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.
Product: Credit reporting or other personal consumer reports

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Product: Credit card

American Express refuses to refund me on a fraudulent transaction charge. I disputed a few transactions from XXXX totaled {$110.00}. Those money where taken from my account by XXXX XXXX. The product that XXXX delivered was inadequate. XXXX itself wants to keep my money offering some " credit '' which I do not want. Thus I claimed American Express to refund me on a fraudulent sale through XXXX. I do not authorize that transaction. The dispute with American Express was filed weeks ago. My money is still not refunded.
Product: Checking or savings account

My account was closed by Bank of America without explanation and now they have reported me for fraud. Im an XXXX XXXX and received payment from a company I was working with doing promotions. I asked to have the check verified and was not given any information besides them closing my account. I recently applied for a business line of credit with a different institution and was denied because of Bank of America reporting I committed fraud. I had no idea they would be so cruel. I never completed my transaction and my account was closed. Now my local branch is closed and I cant get any details besides Im band for life. This has hurt my business and Im not able to get the funding I needed to keep my XXXX open. I had to close my doors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXX Acct : XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX