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

I received a print ad from TD Bank in the mail in early XXXX advertising a {$150.00} bonus for new accounts. I was unbanked at the time so I opened an account on XXXX XXXX in time to have my XXXX direct deposited-a condition of the bonus. As well I continued the direct deposits until now. 
TD Bank now says I did not open the account with a link-whatever that means so no bonus. I approached the bank to resolve but very little action, I asked for email records of the bank officers back and forth to their rear-of-house team. I was denied access claiming that I needed a subpoena to receive, I reached out to customer service on the phone and was given several different reasons I can not get the bonus. Each time the reason was different. Thank you for your help.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the XXXX this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit card or prepaid card

On Tuesday, XX/XX/2020, I deposited at about XXXX local time the sum of {$600.00} CASH via ATM on XXXX XXXX XXXX , XXXX XXXX , CA , into my Credit Card Account ending in XXXX. 

Regrettably, on Wednesday, XX/XX/2020, Bank of America is UNLAWFULLY WITHHELD CREDITING MY ACCOUNT, in clear breach of their own Terms of Contract & Service with me-which unequivocally stipulates that Monies or Checks deposited by XXXX on a business day would be CREDITED the next business day. Accordingly, I strongly believe Bank of America 's action is not only capricious, but DISCRMINATORY as well. 
I say this because the previous week, I had tried to make a payment by XXXX for the amounts of {$77.00} and {$100.00} respectively, which was REPEATEDLY DECLINED. Bank of America sent me a Text and Email to verify these two transactions, which I promptly did. 

Indeed, on the night of XX/XX/2020, I also called Bank of America, spoke to the " Fraud Department '', and assured them AGAIN that the aforementioned XXXX transactions were made by me. I was assured that the necessary NOTES would be made on my Credit Card account, and that my Account would not be " blocked again ''. 

Despite this affirmation and confirmation by Bank of America fraud department staff on XXXX, Ms XXXX ( Employer ID # : XXXX ) of Bank of America `` Contact Center for Credit Card '' told me today that the reason why the {$600.00} deposit was being withheld for the next five days ( i.e. until next Monday, XX/XX/2020 from being credited was ostensibly because Bank of America was waiting for it " to clear '' their system. This is clearly LUDICROUS and a BLATANT LIE. I mean, it's a CASH DEPOSIT-for crying out loud. 
Against this backdrop, I strongly believe that Bank of America is hell-bent ( albeit unlawfully ) to impose a FALSE NARRATIVE upon me and my account to the effect that there must some " fraud '' going on with my credit card account. This is pernicious DISCRIMINATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX currently reporting missed payments on my consumer report which is negatively affecting my life and my ability to obtain new credit. This account has been closed for years and I keep seeing missed payments on this closed account. Please remove this false, erroneous account immediately or please provide me with payment history showing the account was current until the erroneous reported missed payment.
Product: Debt collection

I have reached out to XXXX  to remove the account as I Never had an account with this company and no contract. They continue to report and have not produced requested contract or information.
Product: Credit reporting or other personal consumer reports

Early warning systems is reporting an account that is not mine with XXXX XXXX XXXX XXXX XXXX similar account number but I do not bank with that organization.
Product: Payday loan, title loan, personal loan, or advance loan

Someone hacked into the account and took money fraudulently, the company deducted the amount to be paid back from my checking account and is refusing to refund me. Two different withdrawals were made from my checking account for {$650.00} and {$640.00}. 
When I first reported it on XX/XX/XXXX, the lady I spoke with said she new it was fraud and did not lock the account, the following week the scammer used a virtual card through money lion after I reported it for over {$2000.00} in charges. I called again the following week and explained I need my money back to pay my mortgage. They again said they new it was fraud and it would be refunded. Now I received to emails saying that they investigated and found no errors and will not refund me. You can clearly see that the money went to Texas, I live in Florida. Additionally, there was a routing number and bank account listed that was not mine so they can see this money did not go in my account. 
The banking routing number use XXXX Banking account # XXXX.
Product: Mortgage

I have requested SEVERAL times complete, monthly payment history to show each payment, each month for the last 24 months. I have been provided various scribbles which are verified as accurate on my credit report & later changed to cover their sloppy bookeeping. I have NEVER been provided the past 24 months that I am entitled to as a borrower. Im not being treated fairly. My credit is damaged because of the borrower who IS getting the account information and doesnt share it with me! Im trying hard to protect my credit!
Product: Debt collection

On XX/XX/XXXX and XXXX XXXX, XXXX paid for purchases at XXXX XXXX and XXXX, respectively with a personal checks. During the same month I attempted to open a separate account at a different bank that would allow me to transfer funds to my grandson 's bank account who was in school in a different state. I learned, while trying to open a new account that my name was in XXXX which came as a complete surprise. When I called the number given to me by the bank, I was advised that my checks were presented on a " closed account '' according to my credit union. This was not true. The Credit union provided a letter to TRS Recovery Services stating that it was an error that my account was showing " closed '' and I paid both checks with certified funds. I shopped in a XXXX XXXX store on XX/XX/XXXX and attempted to pay for my purchases via check ( my debit card was lost during the XXXX holidays and I had not received a replacement card yet ) and my check # XXXX was denied. I had just checked my account via automated system prior to shopping and my balance was more than enough to cover my purchase so I approached the manager after calling the " XXXX '' number at my CU and learning that I, without question, had sufficient funds. The manager then checked and noticed that TRS was denying the check. She contacted TRS after getting on the phone with my credit union so that they could verify my available funds but the CU could not override TRS in their system and interface the transaction with XXXX. TRS told the manager that I would have to make purchases ( via check ) to establish a history with them in order to clear my account. XXXX of all I am being penalized because of an error that my CU made back in XXXX and which has since been corrected and the checks paid and Secondly, how can I re-establish a check cashing history if TRS is denying my checks particularly since XXXX - TRS is used by most merchants in this area. The manager of the grocery store asked the same question but go no satisfactory answer. This company refuses to consider the fact that they got a signed letter from XXXX XXXX Credit Union stating the fact that is was an error on their part that my account showed " closed '' at the time the checks were presented in each store and NOT INSUFFICIENT FUNDS. To continue to penalize me when evidence has been presented to refute the initial claim and the fact that TRS agreed that I should not pay returned check fees on either check and the fact that I have paid both checks with certified funds, in my opinion is double jeopardy if there is such a term in debt collection. I am penalized for something I DID NOT DO! I am seeking your assistance in clearing this matter up so that it does not continue to defeat my efforts to clean up my credit and improve my credit score. I have XXXX addresses for TRS Recovery : 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 have tried talking to the company on two different times and all that tell me is I need to pay my debts. The company that is supposed to have turn this over for collection did not do it, all I want is something showing that I owe the debt and they won't do that. I have chased this from ever place that I know to do.
Product: Credit reporting or other personal consumer reports

Durning the Global XXXX Pandemic took advantage of a global crisis and would help when I was laid off from the XXXX Pandemic. Instead of offering a relief on help of payment during that time they added late fees and interest to credit card making your balance higher than the credit card limit. XXXX called a harassed XXXX, weekly demanding payment. They ignored CARE ACT Congress passed for those seeking relief from the pandemic. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. Instead, they placed Charged off on your credit report and wrote off as LOSS Debit with the IRS. 

They reported Account XXXX with credit limit of {$700.00} and added fees adding up to a balance of {$1000.00} with XXXX and Equifax. 

They reported Account XXXX with credit limit of {$500.00} and added fees adding up to a balance of {$900.00} with XXXX and Equifax.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Consumer violation! I received emails of a low credit report! That I didnt ask for
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following are currently in violation of 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Refer back to claim XXXX After XXXX closed my long standing account, they denied me another credit card based on lack of FICO score, I followed all the advise on getting a secure credit card from my bank, XXXX Preferred XXXX XXXX I had to loan myself {$10000.00} and open another credit card. They also said I should obtain 3 credit cards, and use XXXX XXXX and other electronic paying methods to increase my FICO score. 
Why does FICO have all this power??? I'm XXXX XXXX XXXX, have always paid all my bills. I have money to buy whatever I want. Why do I have to juggle all this XXXX to increase a CREDIT SCORE. Why doesn't my hhistory of paying all bills in full for years count? And not owing money. WHY DOES THE US GOVERNMENT ALLOW THESE XXXX  TO CONTROL OUR CREDIT? Why doesn't my record, plus my income and investments count? I've worked hard to simplify my life. All income is automatically sent to my XXXX electronically, the XXXX is linked to my XXXX investment company and all income and bills, including electronically/auto pay of my ONE credit card. ( was only XXXX, now XXXX ) and my bills are auto paid by my XXXX XXXX. Which is electronically paid by my credit union. My new credit card from XXXX is now limited to {$8000.00} which does hardly pays even one cruise. My old account had a {$25000.00} limit. I'm fully retired can afford to travel, have assets in excess of a XXXX dollars yet I can not get credit. WHY IS FICO AND THE GOVERNMENT RUINING MY RETIREMENT TRAVEL PLANS??? Why has the government given them that power.? 
I'm also being bombarded by every credit agency, via emails and in my mail offering in increase my credit and " offering '' me special deals. This has turned loose an avalanch of XXXX  and I hate it.
Product: Credit reporting or other personal consumer reports

I received a response regarding my complaint regarding incorrect reporting on my credit report. The response indicated my account was never reported XXXX  days late prior to XX/XX/year>. That is toalla false as can be seen on the screenshot from my XXXX  report provided. Ive also included a screenshot showing where it was corrected because it was being reported incorrectly so that there is an admission of the wrongdoing. I also spoke with a rep who told me the correction was being made so to say there was never any inaccuracy is false. Also, I was told by the rep XXXX charge offs can be adjusted since my account was in a review status so no adverse action can and should be taken while in that status.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Fraudulent Debt and Violation of Consumer Rights To Whom It May Concern, I am writing to express my frustration and disappointment with the handling of the XXXX account on my credit report. I have repeatedly asked for debt validation for this account, but XXXX. XXXX XXXX ( XXXX XXXX XXXX ) has failed to provide any evidence of the debt or its validity, despite the fact that more than 30 days have passed. What is equally troubling is that TransUnion and XXXX have verified this debt without providing me with the required details of your verification process, and you have failed to uphold my consumer rights as required under the law.

Under the Fair Credit Reporting Act ( FCRA ) Section 1681i, you are required to conduct a reasonable investigation when a consumer disputes an item on their credit report. How could you possibly complete an investigation when the debt collector has not provided any proof of the debt or its ability to collect on it? This is a clear violation of my rights as a consumer. Furthermore, I have provided an FTC Identity Theft Report, which clearly shows this account as part of my identity theft claim. According to FCRA Section 605B, TransUnion and XXXX were legally obligated to block this fraudulent account from my credit report within 4 days of receiving this report, but instead, you ignored the law and chose to forward the dispute to the collection agency, allowing them to verify a debt that they are legally required to validate. 

You have allowed a fraudulent debt to remain on my credit report and have not adhered to the law that protects me as a consumer. The debt collection agency in question is not complying with their own legal obligations, which raises the question : how can you expect them to accurately verify a debt that they havent validated in over 30 days? Furthermore, I find it completely unacceptable that TransUnion and XXXX have not done its part to protect me as a consumer. How have you kept me safe as required by law?

I demand that you immediately remove this account from my credit report. You are in violation of my rights under the FCRA, Fair Debt Collection Practices Act ( FDCPA ), and Regulation V, and if this issue is not resolved promptly, I will pursue legal action for damages caused by your failure to adhere to the law. This includes potential claims for emotional distress, reputational damage, and any financial harm caused by this inaccurate reporting.

You are legally required to respond to this request within 15 days of receipt of this letter. Failure to do so will result in further legal action to address these violations. Please consider this letter a formal notice of my intention to seek damages if this issue is not rectified. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX Account name : # XXXX Account XXXX. Account : XXXX Account XXXX Account name XXXX has violated my rights. 
I looked at my equifax credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I have been experiencing several issues with Freedom Mortgage, who acquired my loan when it was sold by my previous company. When I went over to Freedom Mortgage on XX/XX/2020, my COVID forbearance plan was set to start on XX/XX/XXXX as well. I was contacted by a loan advisor, XXXX XXXX, who advised that they can lower my mortgage payment by refinancing. I advised him that I was on the forbearance plan and he advised that we can still refinance as long as we continue to pay our mortgage on time ( by the XXXX ) for XXXX and XXXX and we will not have to pay XXXX as that will be the month that we close. He advised that he will remove us from the forbearance plan and proceed with the refinance. Since XXXX I have left several messages and requested several return calls, and he has yet to return my call. 

The whole process has been plagued with issues and I have had to contact this company several times in an effort to assist with the process. I was contacted by someone today who advised that I am still on the forbearance plan. I was advised that I was never taken off of the plan and was now two months in. This whole time I have been making my monthly mortgage payment. I was told that I had lost 2 months and they could not credit me back. I was disconnected from the initial call after being on the phone for 30 minutes with the forbearance unit. I called back and was on with a customer service representative named XXXX for and hour and twenty minutes. we had approximately 6 minutes of talk time and the rest of the time was spent on hold as she conferenced with her supervisor, who refused my escalation request. While waiting on hold, I was then transferred to another representative without warning or notification. 

I no longer know what to do. I can not deal with this company anymore. There business practices appear dishonest. From the time that this ordeal started in XXXX I have spoken with over 25 different representatives. I have reported their practices in the past but it seems like I continue to be brushed off. I have read similar experiences by others, but it appears that the government, although reading our experiences are not taking any actions to assist us consumers with anything. People are already out here struggling with financial issues related to COVID-19 and it appears that this company is attempting to monopolize off of the struggles of Americans, under the guise of offering relief and assistance.
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, 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 records of 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.