23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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 XXXX 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: Debt collection

THESE ACCOUNTS NEEED TO BE DELETE AUTHORIZED USED, OR BENEFITED FROM THESE ACCOUNTS.
Product: Credit card

Complaint : Issues with Savor One Credit Card Restriction Details : Card Application and Approval : Applied and was approved for a Savor One Credit Card with a {$2000.00} credit line. 
Card Activation and Usage : Received and activated the card. 
Made purchases well within the credit limit ( less than 1/4th of the credit line ). 
Account Restriction : The card was declined the next day. 
Account showed as restricted upon logging into the Capital One account. 
Customer Service Interaction : Contacted customer service for clarification. 
Received vague, scripted responses without a clear reason for the restriction. 
Was instructed to submit the following documents to verify identity : Front and back of the drivers license. 
Front of the social security card. 
Proof of residence ( utility bill ). 
Document Submission and Issues : Uploaded the requested documents via the secure link provided. 
Received a call two days later confirming the drivers license and social security card were verified, but proof of residence was not. 
Initially submitted a water bill with the physical address. 
Submitted a medical bill as an alternative ( both were rejected ). 
Advised to submit a bank statement, which was also submitted. 
Final Outcome : Account was permanently restricted to payment-only status despite providing all requested documentation. 
Complaint Summary : The process of handling my Savor One Credit Card account restriction is unacceptable. If there were any concerns about my identity, such documents should have been requested during the approval process. Despite providing all the requested documents, my account remains " pernamentely restricted ''. 

Resolution Requested : I was eager for the opportunuty to establish my creditworthiness once more and capital one essentially got my hopes up and then just shot me down. I am in total disbelief. This is unacceptable on so many levels to treat a customer this way and with absoloutely no explanation. Everything seems to be shrouded in secrecy, I honestly doubt there really is even a valid reason other than just to XXXX with people. 

When you approve somebody for a line of credit, your essentially stating that the maximum amount of money you are willing to risk on that individual is XXXX  amount of dollars. Why even approve people if your just going to close there accounts? 

What a horrible experience.
Product: Mortgage

My loan was serviced transferred in XXXX and I didn't realize until my autopay didn't come out from my previous mortgage company. I called and was able to get the information for my new company and I called them to first make my XX/XX/2021 payment and then set up autopay. The person helped me set it up via online for a bi-weekly debit. The first was supposed to be on XX/XX/2021 but they took one out on XX/XX/2021 and then another one on XX/XX/2021. I called on XX/XX/2021 and the person told me I don't see a payment call back on Monday and they noticed the duplicate payments. She opened a case and told me it would be 3-5 days until i get the money back. 

I called again today XX/XX/2021 and the person was not so helpful and quite frankly very rude. She told me she sees the case but I am not going to get my money until XX/XX/2021 and it's going to be a check that is mailed to me. I told her that is not what i was told earlier in the week but she again said the same thing again. I told her i wanted to file a complaint with who regulates her bank and asked who that was, she told me to look on their site. I was already on the site so i told her where can I find it which she answered with " just XXXX it '' I asked to speak to a manager and she transferred me to a voicemail that just had an extension with no explanation as to what it was. 

It's my first month with this company and they are already making it hard to do business with them. 

I need my money back sooner than that.
Product: Credit card or prepaid card

My payment was due on the XX/XX/XXXX, and through electronic payment, it was paid on the XX/XX/XXXX. My  checking account shows the money being taken out of my account on the XX/XX/XXXX. 

Four days later, XXXX XXXX sticks me with a late fee and claims it was paid on the XX/XX/XXXX. I called them, and they did remove the late fee but said to make sure it was paid 3 days ahead of the due date ( even though they took 4 days to process it ). 

Either the money is in MY hands or it is in THEIR hands, not somewhere magically in limbo. Charging a late fee because it " takes time to process '' is simply taking advantage of customers to get more money. Just because I called them out on it and they reversed the late fee does n't make it right. If it 's not in my account, then the bill is PAID!!! 

XXXX XXXX is not the only one who does this. I have had similar experiences with nearly every company accepting payments for services or credit. They all have explicit bank records showing when the money was transferred just like I do, and in this day and age there is ZERO excuse for not recognizing that date and time instead of the date it was " processed ''.
Product: Debt collection

Hi my name is XXXX XXXX, I am seeking advice in regards to a judgement that has been placed against me by Midland credit management. The case has been turned over to XXXX XXXX XXXX. I was not aware of this judgement until recently when I checked my credit and reached out to Midland credit management to inquire about the collection and was told it was on a legal hold. I was never sent a letter or any other notice or phone call stating this was going on or given opportunity to take care of the problem before it got to this point of a lawsuit. I have reached out to the law firm and was told they had a court date coming up in XXXX but they will not give me the date or any other information.I have not been served anything in regards to the matter. When I call I feel they are only trying to collect information against me and not allowing me to rectify the situation. At this point I am unsure of what measures I can take and can not afford anyone to garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) .As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX. 
XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you will be liable for your willful non-compliance. Please Remove all Fraudulent accounts as i have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed of your willful noncompliance. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Credit card

I was contacted by Macy 's Fraud department XX/XX/XXXX about unauthorized charges. I confirmed that the charges were indeed unauthorized, and the Macy 's person said that a new card would be issued and that the charges removed. A new card was issued, but I continued to get billed for the fraudulent charges. When the statement came XX/XX/XXXX, I again contacted Macy 's, explained that they were fraudulent and that the Fraud department should have taken care of it. The customer service rep. said he would forward the information to the Fraud department ( they were closed apparently ). In XX/XX/XXXX, I again got a statement as well as calls, and on XXXX XXXX, again called Macy 's and was eventually routed to the Fraud Dept. The woman again took all the information, confirmed that the charges should have been removed in XX/XX/XXXX, but that now Macy 's had reported me to the credit bureau. She started an official fraud claim. On XXXX XXXX, I received a Statement of Fraud to complete, and I completed and faxed back to Macy 's on XXXX XXXX. I have proof that fax was received by their machine on XXXX XXXX. One month later, after getting another statement, I contacted the Fraud department again. I believe it was XXXX XXXX. The Fraud rep. said that I would continue getting billed until the claim was completed but that that it should be soon. On XXXX XXXX, a message was left on my home phone from Macy 's. I called the number thinking it was the Fraud dept. calling to say they had completed my fraud claim. However, after going through XXXX regular customer service reps. and waiting on hold for 1 hour and XXXX minutes, I finally was put through to a Fraud rep. She was rude, insisted that the Statement of Fraud did not get put in until XXXX XXXX and therefore it was n't yet 30 days. I explained that I have confirmation that they received my fax on XXXX XXXX and that I have verification of it. Then she changed the excuse and said that they were going through a conversion and that it would take XXXX more weeks. So, 5 months, hours spent on the phone, and Macy 's still have n't corrected an issue they knew about in XX/XX/XXXX and neglected to resolve and also is hurting my good credit as a consequence.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$31000.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance  : {$2900.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$680.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND I WOULD LIKE THEM TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATLY PLEASE AND THANK YOU.
Product: Checking or savings account

I am still unable to pay bills or withdraw from my checking account. I had previously filed a CFPB complaint about this same issue. Reference number : XXXX. 
M & T Bank responded to say they are reviewing and the CFPB case was closed. That was on XX/XX/2023 and I still do not have access to my money with no further communication on a timeline or whether more information is needed from me. Approximately 90 days has elapsed since I have been able to assess my money.
Product: Checking or savings account

Im filing this complain to resolve TD Bank ( TD ) Fraud accusation. I deposited a check for {$5400.00} using TDs ATM on XXXX2019.

The ATM read the {$5400.00} check as {$54.00} and I tried unsuccessfully to correct the mistake at the ATM.

On XX/XX/XXXX when the error was not corrected I called TD customer service around XXXX XXXX ET and spoke with a supervisor who informed me that this error could take 10 businesses days to be corrected because s an investigation needs to be opened. I reluctantly agreed to open the investigation. TD customer service told me that I was at fault for writing XXXX XXXX   instead of XXXX XXXX XXXX XXXX TD Customer service also blamed me for not fixing the error while at the ATM.

I then called TD Customer service a second time after realizing that only {$54.00} was deducted from my XXXX XXXX  account. I asked TD Customer service to stop ( cancel ) the dispute because I was going to re-issue the check. I spoke with a representative and asked that he cleared the dispute cancelation with his supervisor. Customer service confirmed that dispute was cancelled and his supervisor said it was ok.

On XX/XX/XXXX, a {$5300.00} adjustment was credited to my TD Bank Saving account creating a balance of $ XXXX. I then transferred the {$5400.00} from my Saving to Checking.

On XX/XX/XXXX, TD Bank locked my accounts alleging Fraud.

I am requesting that a TD Manager listen to the calls I had with TD customer service the morning of XXXX19 at approximately XXXX   ET and XXXX ET.

If after listening to both calls you conclude that Fraud was committed Ill be glad to close all my TD accounts.

Outside of TD I have the following banking relationships : ( 1 ) XXXX XXXX opened 15yrs ago daily average balance more than $ 45k ( 2 ) XXXX XXXX XXXX opened 36 yrs daily average balance more than $ 5K ( 3 ) XXXX XXXX  opened 6 months ago daily average balance more than $ 30K In addition to the above cash balances I have self-manage stock portfolio with XXXX opened 25 yrs balance $ XXXX, XXXX opened 12 yrs ago $ XXXX and XXXX opened 20 yrs ago balance $ XXXX total net worth is well north of {$1.00} million and Im debt free except for a couple rental mortgages.

Funning story, TD has been chasing after me for over a year to open an account. The TD account has an incentive of {$500.00} and the following criteria $ XXXX for saving within 20 days and $ XXXX for the checking with direct deposit.

I am happy to bring my entire bank and investment statements into the TD branch at XXXX XXXX XXXX, but I am not going stand by and have TD criminalized my transactions based on information received from TD customer service on XX/XX/XXXX
Product: Checking or savings account

This involves Truist Bank, which is overseen by the FDIC. I just filed this identical complaint about Truist at the FDIC website : On XXXX, I opened a Business Checking Account with this bank, # XXXX, in response to a bonus that it was offering : open an account with a {$1500.00} or more deposit, sign up for Online Banking For Business, and receive a {$300.00} bonus within 28 days after the deposit was received. I have a credit card with Truist and I'm already enrolled in online banking. The bank received my {$1500.00} deposit on XX/XX/16. A day or 2 after I opened the account, the bank added the checking account to my online banking for the credit card. Today was the XXXX day after the bank received my {$1500.00}. Yesterday, I had an online chat with XXXX (? I'm not sure that that was her name, but it definitely started with an XXXX ) I asked her why the bonus hadn't been posted to my account yet. She told me that she would look into it. This afternoon I received an email from Truist stating that since I didn't enroll the account in Online Banking For Business, I didn't qualify for the bonus. 
Why do I have to enroll the account in Online Banking For Business? My credit card and checking account were both ALREADY enrolled in online banking. I could ALREADY transfer funds into and out of my checking account with accounts that I have with other banks. I could ALREADY make bill payments with my account, and I could ALREADY send cash to others from my account. There is NOTHING that I can't do with the online banking that I already have that I could ONLY do if I was enrolled in Online Banking For Business!! Why do I need 2 different usernames and 2 different passwords in order to log into THE SAME ACCOUNT?? If I specifically needed Online Banking For Business for some reason then Truist should have notified me of that when I opened the account rather than adding my checking account to the online banking coverage which I already had. This is bait-and-switch FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached.
Product: Debt collection

On XXXX I sent a response to a Collection Agency named XXXX  XXXX XXXX XXXX who claim that I have a debt of {$970.00} through Capital One. This Account is not mine and the address associated with this account I have NEVER lived at. I have asked them to provide signed documentation that proves I have contractual obligation to this account and even asked them for a copy of their State Licence and number and they did not provide this. Per the Fair Debt Collection Practices Act they are to provide me with this data to prove that this is my account and they have failed to do so so they must remove this account. The only Proof they have been sending is credit card statements from years ago that dont even have my real address, this is not valid evidence that this is my debt, especially since I never lived at the address on those bills. They sent several letters to me with the same identical packet of information and nothinng new or what I asked them for.
Product: Debt collection

Hunter Warfield is attempting to collect a misrepresented amount. They are trying to collect interest, fees and other charges on top of the amount that was originally owed. This debt is a joint debt. I sent Hunter Warfield a letter in which the XXXX XXXX leasing office signed paperwork for me to move out to a different apartment. I disputed this charge and sent XXXX XXXX a 30-day demand letter to which I never received a response. This letter was emailed and sent certified mail.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

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

Hello, I noticed recently there is a hard inquiry on my credit bureau. I was able to call a company that pulls all three credit bureaus as a service for companies. 

They told me they pulled the bureau for M & T Bank, which is the holder of my mortgage. 

The date of the hard inquiry was XX/XX/2021. 

I called M & T bank three times ; the first number the person said they had retired, the second two calls were to another number which gave me a voice mail which i left. 

Then I called the local M & T branch in XXXX CT and talked to someone. I worked in banking so I know local branches dont really have the answers for these things. The woman I called left me a vm once that she was waiting for someone to get back to her. That was about 3 weeks ago. 

I don't know why I have a hard inquiry and I want it explained or removed. 

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

My house was sold and the loan was paid off. It did not go into foreclosure. This is a mistake, please correct it. Please remove the foreclosure remark from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because there are a few accounts on my credit report that do not belong to me. The only reason I found out is because I applied for a loan today XX/XX/20 and I was not approved so I started to look through my credit report trying to figure out why I was not approved and I found five accounts that aren't mine. The accounts are from these companies. XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor am I affiliated with them in any way. I did not benefit anything from the accounts that were opened in my name without my permission and I never made any payments towards those accounts. I am still trying to figure out who is responsible for these unauthorized accounts but in the meantime I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these accounts.
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up to my formal complaint regarding unauthorized inquiries that remain on my credit report despite previous attempts to have them removed. This non-compliance by XXXX and Equifax Credit Bureaus are a clear violation of the Fair Credit Reporting Act ( FCRA ). The inquiries listed below have not been authorized and need to be addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report for accuracy I noticed that XXXX XXXX XXXX XXXX reported my account as 30 days late for the month of XX/XX/2022. Under Usc. 1681 It states I have a right to privacy. I never gave my permission to put any of my info out or to anyone.