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

I opened a checking and savings account at TD bank on the XXXX of XXXX, 2024 and later made a cash deposit at the ATM which were funds I had withdrawn from my bank account in XXXX, XXXX XXXX, converted into US dollars and traveled to the United States with where I declared it at XXXX XXXX. 

A couple of days later I received additional funds in my account via XXXX  from my mother ( {$1000.00} on XX/XX/year> ), my father ( {$1000.00} on XX/XX/year> ), and aunt 's personal ( {$1000.00} on XX/XX/year> ) and her business account ( {$3000.00} on XX/XX/year> but this was returned and never credited to the account ). 

The funds received via XXXX  were meant to go towards the payment of the property tax of my mother 's house. We had just received a delinquent tax notice in the mail and my parents who live XXXX  desperately wanted to get me the funds to take care of the taxes. However, XXXX limited them to just {$1000.00} a day limit and they did not know how to wire the funds online. I have previously been entrusted with the payment of the property tax and have receipts of all previous transactions made with my account at a different bank. I received an email on XX/XX/year> that TD bank had suspended my XXXX profile and discovered that my account had been blocked when I went into a store to make a purchase and my visa debit card declined several times. 

I called the bank and was told to visit my branch for an explanation which I did the very next day and I went along with all the proof I had ( the delinquent tax notice which the XXXX transfers I had received added up to and also my bank statement from XXXX and my flight confirmation showing that the same day I made the withdrawal XXXX   I got on the plane to fly to the United States. I was told that the bank had conducted a secondary review and had decided to discontinue the relationship with me I understand that to the bank these transactions may look suspicious but I have proof of everything and submitted them in the hope that the decision might be reconsidered. In addition to upholding their decision, TD bank refused to give me immediate access to my funds to be able to settle my family 's delinquent tax notice as well as my day to day use of my funds for my living expenses.
Product: Debt collection

The debt this agency is trying to collect if from my brother. They call eventhough I tell them that this is not my debt and they need to contact my brother. 
I have been fielding calls from them for over 2 years. They ignore my numerous requests for the calls to stop coming to me and they have recently increased and they've become more aggressive. Today was the most aggressive that they ever been, by informing me that that my name was listed on an account that belonged to my brother ( which was false ) and they pulled up my credit report. The manager said my report looked good and that I had nothing to worry about. I told them they were not authorized to pull my credit report without my permission, and the rep said " Take that up with your Brother '' and hung up on the phone on me! 

I know they claim to record all phone calls for training purposes, so they called my home phone number ending in XXXX, today XX/XX/16 at XXXX EST, should a recording of the phone call needs to be confirmed. 

The debt is not mine, so the agency was in violation of the Fair Debt Collection Practices Act. The debt they are trying to collect was not mine, so they had NO RIGHT to pull my credit report!! I would like to file suit against them.
Product: Vehicle loan or lease

The company, Flagship Credit Acceptance, has my phone number, address, and has spoken with me within the last 30 days. However, after I told them to cease and desist, they have continued calling my family member. It has happened twice within thirty days.
Product: Debt collection

XXXX XXXX and their financial Partner XXXX XXXX have made it difficult for me to cancel my membership. After registering with XXXX XXXX in XXXX for a gym membership, I quickly realize that the company was charging me more than they were supposed to my bill. After multiple attempts to speak with representatives from XXXX XXXX, I kept getting the runaround. The representatives at XXXX XXXX would tell me to reach out to their financial partner XXXX XXXX. When I reached out to XXXX XXXX to rectify the issue, XXXX representatives would give XXXX the runaround and refer me to XXXX XXXX. I effectively was not able to speak with anyone to get a resolution. That prompted me to write a letter of cancelation to XXXX XXXX as stated in my contract and supposedly 30 days after they receive the letter, my membership would end. I went straight to XXXX XXXX   website and submitted that cancellation. I received a verification email stating my account was suppose to be closed in early XXXX. On XX/XX/2018, after reviewing my credit card statement, I noticed that XXXX XXXX and XXXX XXXX had both charged my credit card. Even though they were not authorized to withdraw funds from my account, they were bold enough to charge my card even more than would have been charged had i not canceled. I have given neither of these companies the authorization to charge my account and after calling XXXX XXXX, I was once again advised to call XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

Hello CFPB, Thank you very much for your service and assistance. 

An account showed up as " charged off '' on my XXXX Credit Report. The only information I can attain is -- CBNA ; revolving account ; first descrepancy XX/XX/XXXX ; then " charged off '' XX/XX/XXXX ; XXXX, S.D. XXXX --. 

I have no idea what this is concerning. Thru online research I found a telephone number for a " XXXX '' -- ( XXXX ) XXXX --, but this number is not a valid telephone number.... Could CBNA also stand for CitiBank of XXXX? 

The last couple years, I spent maybe 60 % of my time away from home as a XXXX working all over the state, but not near home. I also had a few medical issues that were taken care of at various medical facilities near home or away. I have no one at the house to get mail, and what I could n't take care of online gets mailed.... A few months ago, I paid all of my bills, totaling thousands, and went thru all mail, as I never throw mail out. Still, I can find no paperwork that has " CBNA '' printed on it nor any Citibank paperwork. 

I have not opened any Citibank account in years. I tried to open an account with XXXX ( a local box store ) a few months ago, but that was more like XX/XX/XXXX, not XX/XX/XXXX. 

I 've sincerely tried to pay all my bills and have kept and noted all paperwork as paid. I can not contact any CBNA to find out what this is regarding. I want to dispute this being on my credit report, as this year the only outstanding account on my credit report will be this " CBNA '' and " XXXX '', and it could stay on for another 7 or 6 years, harming my credit score. 


Respectfully, XXXX ss # XXXX cell XXXX
Product: Mortgage

The same thing that happened last year is happening again. Please reference my complaint from last year. 

The only difference this year is I declined to pay for the homeowners insurance out of pocket. I am now getting letters from both PennyMac and XXXX XXXX about the policy pennyMac is threatening to buy separate insurance when I have had the same policy for XXXX years and XXXX XXXX is giving me a past due notice. It continues to be a problem that the mortgage company and the homeowners insurance do not communicate when they are required to manage the insurance and not involve me ( particularly when they NEED to talk to each other ). 

It is my understanding that our federal conventional mortgage should roll the payment of homeowners insurance into our monthly payment so that it is divided up over 12 months and not prepaid for the year. 

Thank you in advance.
Product: Credit reporting, credit repair services, 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, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX, Account # 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 many 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: 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. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck 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 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Money transfer, virtual currency, or money service

MoneyGram is a fraudulent operation, thus beware, you might lose your money. I attempted to send US {$550.00} to my recipient in XXXX on XX/XX/2019, but no money was delivered on the other end even though the funds were withdrawn from my bank account immediately. I am now chasing that money to try to recover it somehow, as crooks operating MoneyGram are giving me the runaround by bouncing my calls to multiple numbers in different countries, some of which are never answered. I initially called their toll free number, the call was picked up in XXXX, and I could hear farm animals in the background while a peasant transferred my call to yet another country, seemingly in XXXX XXXX, so I would have the pleasure of speaking to a rude individual who barely spoke English. I am nearly certain they have no intention to refund the money they scammed from me. So don't trust MoneyGram, it is a very shady operation, it is a fraud.
Product: Credit reporting or other personal consumer reports

I tried to dispute my incorrect address and names. I sent my Id and birth certificate as proof. The address was just updated and not deleted. The names were not removed at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine, fraudulent activity on my credit report. 

XXXX XXXX on credit report not opened by me. 

XXXX XXXX Account fraudulently opened, paid off XXXXXXXX XXXX XXXX XXXX payments 180 days past due as of XX/XX/XXXX to XX/XX/XXXX not on this account. The account was opened XX/XX/XXXX. 

STATE OF MI/OFFICE CHILD SUPPORT account never late and paid in full XXXX paid in full TXXXX XXXX XXXX fraudulently opened
Product: Credit card

My husband used bill pay to pay our bills. He meant to click on a XXXX  card payment but clicked on CITIBANK instead. He paid {$1000.00} to an OLD CITIBANK account with last four digits are XXXX, instead of paying XXXX bank. We went to our bank they tried to help but CITIBANK says they need last 5 digits on card. We dont even have the card anymore all we have are old bills from XXXX which has last 4 digits. When we call CITIBANK they say they dont see an account with last 4 digits XXXX which was connected to that bill pay. The payment was CASHED BY CITIBANK ON XX/XX/XXXX. So they CASHED it NOT having any record of this older account. We do have bank copy of it being cashed and CITIBANK just keeps giving us the run around! Its over {$1000.00} and no one will help us!
Product: Money transfer, virtual currency, or money service

Late in the day on XXXX, I transferred money to a person via Zelle in my XXXX app for tickets to an event in the amount of {$450.00}. On the morning of XXXX, the tickets had not arrived. I contacted the person via text who never responded. I then called them, they immediately hung up and blocked me. I immediately called chase bank to stop the transfer as it was a scam. XXXX XXXX  told me that because of the terms and conditions with Zelle, there were no actions that they would take. I then called Zelle, where I could not reach a person via phone. Via XXXX messaging with Zelle, they told me that they offer no protection to their users and I would have to file a claim with my bank. I then contacted XXXX via XXXX XXXX  and additional phone calls and was told repeatedly that they care for the customers but they made no attempt to obtain the money from the scammer. I was in contact with both companies less than 12 hours after the transfer occurred and neither made any attempt to rectify the situation and sent me on a wild goose chase with neither company having any accountability.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] [ Date : XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Equifax for Illegal Activities Dear CFPB Representative, I am writing to formally lodge a complaint against Equifax Credit Bureau regarding serious fraudulent activities associated with my credit report and their improper handling of accounts linked to both XXXX XXXX XXXX and XXXX XXXX. 

I have observed that Equifax has continuously allowed the fraudulent opening and closing of an account associated with XXXX XXXX XXXX. During INVESTIGATION.This account has been misreported, with XXXX XXXX XXXX erroneously claiming that the alleged debt belongs to them, when in fact it originated with XXXX XXXX. 

The following points outline the specific issues I wish to bring to your attention : 1. **Fraudulent Account Misrepresentation** : XXXX XXXX XXXX is inaccurately representing the claim to alleged debt as their own, which is misleading and unfounded. I have no agreements or acknowledgments regarding this debt with XXXX XXXX XXXX. 

2. **Ongoing Misrepresentation of Debt** : Equifax has been fraudulently misrepresenting an accrual of this alleged debt on a month-to-month basis, despite the fact that this account has been closed and charged off for over XXXX years. This ongoing misrepresentation is damaging my creditworthiness and reflects a failure to update or verify the accuracy of the information in my credit report. 

3. **Failure to Investigate Disputes** : I have previously submitted disputes regarding these issues through the appropriate channels, yet my complaints have not been adequately addressed. Equifax has failed to conduct thorough investigations, allowing inaccuracies to persist on my credit report. 

4. **Impact on Creditworthiness** : The presence of this fraudulent account and the misrepresentations by both XXXX XXXX XXXX and XXXX XXXX have severely impacted my credit score and my ability to secure loans, credit, and other financial opportunities. 

Given the seriousness of these issues, I respectfully request that the Consumer Financial Protection Bureau investigate Equifax 's practices concerning my credit report and the allegations of illegal activities tied to misrepresentations from both XXXX XXXX XXXX and XXXX XXXX. It is essential that Equifax adheres to the Fair Credit Reporting Act and ensures the accuracy and integrity of the information reported to consumers. 

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me should you require any additional information or documentation. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX ] [ [ Attachment : Any supporting documentation related to the complaint, if available ]
Product: Vehicle loan or lease

On XX/XX/XXXX I paid the state excise tax to the town of XXXX, MA in the amount of {$180.00} for my leased XXXX XXXX XXXX. Eleven days later, on XX/XX/XXXX, I leased a new XXXX XXXX XXXX. As such I have requested several times for an abatement from Kia Finance America as I paid the tax for the year on a car I only had for 11 more days. I have been calling and writing Kia Finance America since XX/XX/XXXX. I have mailed them, as they requested, a letter outlining what I summarized above along with a copy of my registration of my new XXXX lease which shows I transferred my MA plates from the XXXX XXXX to my XXXX XXXX on XX/XX/XXXX. I mailed this on XX/XX/XXXX and I again mailed this certified mail on XX/XX/XXXX. When calling to follow up on this, both times, Kia told me they never received it, either time. Following up, I made repeated calls to Kia, most recently, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I received a call back from a XXXX XXXX XXXX who again told me to send a copy of my current registration. I emailed this to her on XX/XX/XXXX. On XX/XX/XXXX I have again called Kia to confirm receipt of this email. I was again told that they never received anything from me. I spoke with a XXXX in escalation who offered only that I need to re-send my registration, this time by fax. I have called numerous times, sent my registration twice, and am still no closer to obtaining my excise tax refund from Kia Finance America.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include it again. Please don't ignore my request to repair or remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account number XXXX Account status Open Date opened XX/XX/2021 Account type Auto Loan Paid Off : 2 % Balance on XX/XX/2021 Loan Amount {$89000.00} {$92000.00} Payment Info Status Current, was past due 30 days Status date XX/XX/2021 Past due amount - Original loan amount {$92000.00} Monthly payment {$1400.00} Late payments XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - - - - - - XXXX On Time My family has been afflicted with XXXX  several times. I still managed to make my payments. XXXX posted my payment late but I paid before the 30th day. 
XXXX XXXX credit card was paid off, then posted interest of XXXX dollars and did not notify me and this was after the card was closed. 
XXXX is completely paid in full and I never received any bill or notification that my bill was due. 
XXXX also reported late inaccurately even though I notified them that I was quarantined with XXXX. 
XXXX XXXX report of a late is inaccurate. I paid before the 30th day. 
XXXX did not update my report on my XXXXXXXX XXXX account to reflect a XXXX balance after I paid in full before XXXX report. Also report of payment is missing for XXXX, XXXX and XXXX, all paid on time! 
I disputed the late payments on my prior student loans because I was displaced during a federally declared disaster. Still not updated. 
During the months I had XXXX and when my family did as well we were quarantine so I could not do anything until I was well enough to talk and go to my bank. 
XXXX ; XXXX reported late payment. Payment wasnt late and bmw financial updated. Please see transunion for accurate information. 
As Americans navigate this declared disaster none as Covid 19 it just seems reasonable to grant some grace to consumers who are earnest. Ive been sure to pay all my bills.