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

This is a complaint against TD BANK, specifically the fraud, claim and resolution department, the bank without notifying me made the decision to block my accounts and then close them, because I made a transfer of {$10000.00} from my business account to my personal account with TD BANK, in less than 24 hours the bank decided to block my funds arbitrarily without any kind of explanation, I think it is an abuse of authority and disrespect against me, because if I am the owner of the account and I want to know why they do not want to give me the funds that belong to me, I can understand that those funds the bank refunded me for a fraud that they made me online with purchases in cryptocurrencies that were not made by me and the bank put me a temporary credit for me to use, but I don't understand why they put and then blocked me without any explanation, now they blocked my account and left me without money, they are my savings, I don't have to pay rent, I don't have to pay utilities, I don't have to pay for food, they left me practically in XXXXhe street, I am on the verge of madness economically and with a resolution for 90 days, I feel and believe that the bank is stealing my savings and money I think, because 90 days is too long and as I live in those 90 days how do I get for my food, my rent, utilities, help my daughter, they left me like a pauper and more in these strong times of pandemic, they are abusers and disrespectful for these hard times and make me wait seriously 90 days? It seems to me an abuse and lack of everything. 

I have gone 2 times to the bank to try to solve this huge problem and the workers do not even pay attention to me, which is very serious for me, I have a XXXX XXXX XXXX girl and I do not know what to do, since they do not pay attention to me at the bank and do not want to help me with my big problem, I had to go to this organization that helps and protects the consumer because for me it is a serious problem, because it is about my economic and emotional stability of me and my family, I think that TD BANK is handling this problem in a very rude way, how can they give me 90 days to solve this? They don't care because they have a lot of money and they are millionaires, they don't pay attention to the people, it must be that the investigator of the case has no family to put me this big obstacle with my problem, he has no scruple, he doesn't care to play with the single mother and as the bank has the power he plays with the people 's money.
Product: Debt collection

Upon obtaining my credit file, Cavalry was a company on my file I disputed with the credit bureaus but it was not deleted it was updated with new information. Once the credit bureaus informed me of this status I sent Cavalry a complaint that they were reporting inaccurate credit information. I also asked that the information needed to be verified and deleted from my credit report as soon as possible. 

In response Cavalry sent me a letter stating in receipt of my dispute made pursuant to the FCRA. In acknowledgement they requested the CRA 's to report it as disputed. They have also reviewed the dispute and find the dispute lacking and specific facts or information which will allow them to investigate and because they have no information they ca n't investigate the dispute pursuant to the FCRA. They also state they are treating my letter as a request for validation under the FCDPA and they will write me again on 90 days. My original letter, was a validate and delete request letter from the beginning. But that 's not what they did at all. 

In response to them not validating and then saying they will contact me in 60 day when they know its 30 days I sent another letter stating : I received Cavalry letter but under the FCRA your company has 30 days to validate and verify this alleged account not 60 days, if I do n't get a response with the 30 days of my original letter this alleged account must be removed and I 'm forwarding your letter to the Financial Consumer Protection Bureau showing that your company is not following the FCRA which states that your company has only 30 days to validate and verify alleged account ( s ). 

If your company can not validate and verify this account I request a correspondence be sent to the credit bureaus ( as well as myself ) stating you request them to delete this account from my report. Please delete the above information as quickly as possible. 

Cavalry then replied, acknowledging receipt of my dispute and request for account validation, and to be advised that they have already ceased collection efforts for the time being in response to my communication. They also stated they will contact me again, either to provide validation, or an update on the status within 60 days from the date of the letter sent. No further collection efforts will be made unless and until validation is provided. 

Cavalry know under the FCRA their company has 30 days to validate and verify this alleged account not 60 days.
Product: Debt collection

The company One Main Financial at XXXX XXXX XXXX XXXX, XXXX, AL has repeatedly called for a customer named XXXX. When I received the new number back on XX/XX/XXXX, I received my first called from them a few days after. I informed them that I am the new owner of the number, and that there is no XXXX at this number anymore. The lady who called claimed she will notate the account and remove the number. The calls have not stopped. At least once a week they call for XXXX. I have repeatedly told them that the number XXXX is no longer XXXX 's. In this month of XXXX they have called on the XXXX, XXXX, and XXXX. Its is XX/XX/XXXX as I write this. I keep telling them over and over that this is no longer XXXX 's number. They apparently refused to acknowledge that statement and keep calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts due to the fact that they're not mines and I do not recognize the multiple address attached to my credit files. I challenge the authenticity of the following accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Employee 3 ) XXXX   XXXX XXXX 4 ) XXXX XXXX XXXX {$910.00} 5 )  XXXX XXXX XXXX {$470.00} 6 ) XXXX XXXX XXXX {$340.00} 7 ) XXXX XXXX XXXX XXXX XXXX  {$8400.00} 8 ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It was incredibly disappointing to discover unauthorized inquiries on my credit report earlier today, and I am at a complete loss as to why theyre there. I double-checked, thinking it might be a browser error, but that didnt resolve the issue. I'm asking that my documents be thoroughly reviewed so this situation can be handled once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX XXXX Owed : {$320.00} ; XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00}.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the presence of certain items in my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number for this incident [ XXXX ] As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information.

I hereby request the immediate removal of the following accounts from my consumer report : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER:XXXX OPEN DATE ; XX/XX/XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBERXXXX  ACCOUNT NAME ; XXXX XXXX ACCOUNT NUMBER ; XXXX ACCOUNT NAME ; XXXX XXXX XXXX ACCOUNT NUMBER ; XXXX UNAUTHORIZED INQUIRES XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX These accounts were reported without my written consent and are a direct result of the identity theft incident, as indicated by my FTC reference number [ XXXX ].
Product: Checking or savings account

lam filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concerns regarding the inaccuracies and violations of the Fair Credit Reporting Act ( 15 USC 1681 ) and the Privacy Act of 1974 ( 15 USC 6801 ) in my credit report issued by your agency.

According to the Fair Credit Reporting Act, consumer reports are supposed to exclude information solely related to transactions or experiences, as specified in 15 USC 1681 ( i ) and 15 USC 1681 ( A ) Sec 2 ( i ). However, upon reviewing my credit report, I have discovered numerous inaccuracies that do not align with this requirement, violating my rights as a consumer.

Moreover, the inclusion of such inaccurate information also contravenes the Privacy Act of 1974, particularly 15 USC 6801, which emphasizes the obligation of financial institutions to protect the security and confidentiality of customers ' nonpublic personal information. I have disputed these inaccuracies in my report multiple times, and yet they have irresponsibly been verified without any transparent procedure outlined to prove their validity.

These violations raise serious concerns about the integrity of the information in my credit report and undermine my ability to access credit and financial services based on accurate and reliable data. Should these issues persist, I may pursue legal action under the provisions of 15 USC 1681n for willful noncompliance with the law.

I demand that your agency promptly correct the inaccuracies in my credit report, provide a transparent explanation of the verification process used, and ensure compliance with all relevant laws and regulations, including but not limited to 15 U.S. Code 6802, 15 U.S. Code 6803, 15 U.S. Code 1681b, 15 U.S. Code 1681e, 15 U.S. Code 1681f, 15 U.S. Code 1681g, and 15 U.S. Code 1681i 15 U.S 1666b.

I request a timely response from your agency to address these issues and rectify the violations promptly. Failure to do so may result in further legal consequences to safeguard my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of an incorrect address on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this fraudulent information within 4 days. FCRA section 605B ( 15 U.S.C. 1681c-2 The address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have never resided at this address, nor have I authorized its use in connection with my credit profile. Furthermore, I have already filed an identity theft report to document and substantiate this fraudulent activity. Enclosed, you will find a copy of my identity theft report, along with a copy of my government-issued ID to verify my actual residence. 

As per the FCRA, credit bureaus are required to report only accurate information. I formally request that you conduct an investigation, remove this inaccurate address from my credit file, and send me a written confirmation of this action. Additionally, I request that you provide me with an updated copy of my credit report reflecting these corrections. 

Please consider this letter a formal request under the FCRA, and I expect a response within 30 days as required by law. If this inaccurate information is not removed, I will not hesitate to escalate my dispute to the Consumer Financial Protection Bureau ( CFPB ) or take further legal action to ensure compliance with federal regulations. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and notify me when the fraudulent address has been deleted from my credit file thanks XXXX XXXX
Product: Bank account or service

Hi my name is XXXX XXXX wellsfargo bank charge me XXXX over draft fees cost me around {$310.00} dollar. I am a student I ca n't pay {$310.00} I asked them to waved that fees because they sign me up for overdraft protection over the phone and did n't educate me at all I end up getting {$310.00} charged please if it possible to tell them to waived that fess. According to the research and articles wellsfargo made XXXX XXXX in charging students and customers in overdraft fees please contact me XXXX
Product: Credit reporting or other personal consumer reports

I found several errors on my Experian credit report that must be corrected immediately. My name is reported incorrectly with multiple variations, but the correct name is " XXXX XXXX XXXX XXXX XXXX. '' Additionally, my address is inaccurately listed as " XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX '' and " XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX '' when my correct address is " XXXX XXXX XXXXXXXX XXXX NJ XXXX . '' Lastly, my employer is incorrectly reported as " XXXX XXXX XXXX XXXX, '' but it should be " XXXX XXXX XXXX '' These errors violate the Fair Credit Reporting Act ( 15 USC 1681e ( b ) ), which mandates accurate information. I request these inaccuracies be corrected immediately and written confirmation once my report is updated.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXXt Act. # XXXX XXXX Act. # XXXX XXXX  XXXX Act. # XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX Act. # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Act. # XXXXXXXX XXXX XXXXXXXX Act. # XXXX XXXX  Act. # XXXX XXXX  Act. # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Equifax received my certified letter requesting the method used to verify and validate accounts and collections on my credit report. Equifax had 15 days to get this information to me or remove the unverified and unvalidated collections from my report. It is now day 17 and I have not received anything from Equifax and the unverified creditors and unvalidated collections are still reporting on my credit report.
Product: Debt collection

To whom It May Concern.

THIS IS A NOTICE THAT YOUR CLAIM IS DENIED AND DISPUTED Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you 'ALLEGE '' 1owe.

I am requesting proof that : 1 ) I am indeed the party you are asking to pay this debt ; 2 ) You possess original creditor documentation/business records with a full accounting using Generally Accepted Accounting Principles ( charges. payments, interest, eec. ) of the amount of this debt that can be presented as evidence. Also explain and show me how you calculated what you say I owe ; 3 ) Your claim is legally supported by a sworn affidavit from someone with personal knowledge of these business records ; 4 ) There is some valid contractual obligation which its binding on me to pay this debt, and 5 ) You, as a debt collection agency, produce documentation from the alleged creditor authorizing you to contact me and pursue the collection of an alleged debt that you or your client has ownership of this debt ; 6 ) You must show proof show that you are legally registered in the state of Louisiana and a legal debt collector and show your Louisiana business license with your business insurance bond and bond stamp on it. Only number on a piece of paper is not valid proof.

Your legal staff will agree that compliance with this request is required under the laws of Louisiana and Federal Statutes.

Also be advised that this letter is not only a formal dispute, but a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. CEASE AND DESIST CONTACT AND DELETE SAID ITEMS FROM MY CREDIT REPORT UNTIL THE INVESTIGATION IS COMPLETE. ALSO, DO NOT EVER CALL ANY OF THE PHONE NUMBERS THAT ARE PUBLICLY LISTED IN MY NAME.
Product: Student loan

My Student loan of 30 years with XXXX held a fixed rate of 4.5 % for the term. It was sold to Nelnet Bank this year and Nelnet raised the interest rate on this FIXED rate loan to 5.75 %. I asked them to correct it back to the fixed rate value it had always had and they said Fed raised rates. I understood banks can not raise a rate on a fixed rate, student loan and so I am lodging a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first date of nonpayment on this account was in XX/XX/XXXX. As of writing this it is XX/XX/XXXX. The original creditor was XXXX. The account was then sold to XXXX XXXX who was the second creditor. XXXX XXXX then sold the account to XXXX XXXX XXXX who is now the third creditor. The account is a collection and is now in the hands of a third creditor who is strictly a debt collector. The account is reported as " Open '' which is inaccurate and should be updated to " closed '' or removed immediately. There is no credit being extended by XXXX XXXXXXXX XXXX nor was any extended by XXXX XXXX. There is no active loan and no payments are being made and there has been no settlement made. At this time the account is inactive and should be listed as " closed '' yet there is a collection for {$1200.00} on my credit report listed as an " open '' account. 

I contacted transunion, XXXX, and XXXX regarding this matter and asked them to change the account to " closed ''. They have stated that they are in FCRA compliance. I do not believe this to be compliant. The account is certainly inactive and closed. 

Is this FCRA compliant? If so why is the account not closed and when is an account in collections considered closed? If this is not FCRA compliant can you please compel transunion, XXXX and XXXX to remove this account or update it to " closed ''. 

Additionally the original creditor is listed as " XXXX XXXX ''. They are not the original creditor. The original creditor is " XXXX ''. 

Thank you
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile I noticed some hard inquiries that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

This is me XXXX XXXX XXXX XXXX another complaint. Now On and XX/XX/21 and on XX/XX/21 I sent XXXX letters about some inaccurate things on my credit report, i also called and tried to get some help but no luck. It has been 60 plus days later and I have not received a response at all. Not a letter, email information from you or the credit agencies. I know am being taking advantage of and they are ignoring my requests both letters and online. In section 611 ( a ). It is plainly stated that a failure to investigate within 30 days gives me a reason to immediately remove these inaccurate items from my credit report. I know with covid things take longer but i am completely in the dark right now with no information that i requested. it has been well over 60 days so they need to be deleted ASAP. I demand these accounts be deleted immediately or I will have no choice but to file for litigation due to the tremendous amount of stress you caused me. My information was also impacted
Product: Credit reporting or other personal consumer reports

After receiving a copy of my credit report, I noticed an inquiry from Discover Bank dated XX/XX/year>. I contacted the credit reporting agencies and was advised to contact the company directly. I did contact Discover and was advised that they records show that I applied for credit. I did advise them that I did not apply for any credit and requested verification of that request. I did not receive the requested information. Instead, there is now a second request dated XXXXwhich was XXXX days after I spoke with them and requested information.
Product: Checking or savings account

I am on a fixed income. I get Social Security monthly. I live in XXXX Missouri in an apartment at XXXX XXXX - XXXX XXXX my rent is XXXX dollars a month. I have had it taken out of my checking account with an auto pay app that is XXXX online portal, which charges XXXX dollars all together comes to XXXX dollars. I began having problems with the app in XX/XX/XXXX. I was being charged twice. I call my bank which is Wells Fargo to let them know and all so-called XXXX XXXX to let them know XXXX XXXX Gave me the money back in a form of a check. So, I call the bank back to cancel my claim. Bank told me they had to do a XXXX XXXX XXXX XXXX. on the XXXX. I was told that is money would be sent to XXXX XXXX in 30 to 45 days. Date was XX/XX/XXXX. I waited, In XX/XX/XXXX I was told by Wells Fargo they sent the money to XXXX XXXX. I call XXXX XXXX they tell me they never received the money. so I called the bank back to get information on who, what, how and where this money went to. and needed a written letter of proof that it was sent. all I got was a Claim number, and a bunch of numbers that was an ID number. I just do not know who has this money Wells Fargo or XXXX XXXX. i XXXX cant throw XXXX out the window. Can you help me to find the money? thank you XXXX XXXX