23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

RE : COMPLAINT ABOUT TD BANK BRANCH AT XXXX XXXX XXXX, XXXX NY XXXX BRANCH MANAGER XXXX XXXXHello : This is a formal complaint about the above referenced bank and its branch manager. 

First they refused to honor a {$2500.00} check payable to me as the owner of the law firm where I am directly listed on the account as the owner, opener, and as the account holder, thus severely screwing up my accounts and balances - they state they changed their policy a month ago but no written notification has been provided to their customers and no reasonable time was provided before this branch launched into such a disruptive and ridiculous policy. 

Second when I went to open up an attorney escrow account they made it as a regular escrow account not an XXXX Account which was again their severe mistake, with a regular escrow accounts being charged maintenance fees when no fees are supposed to be assesses on attorney XXXX Accounts as per state and federal regulations. 

Please investigate and advise.
Product: Debt collection

XXXX XXXX contacted my family- I got the message and contacted him back within an hour of him calling my family. 

I confirmed my contact information and asked him not to call my family anymore and remove their numbers, as well as send me the information regarding the debt so I could verify it. 

XXXX XXXX contacted my brother again as well as my brothers ex wife AFTER I communicated with him requesting zero contact to anyone but myself. 

I called back and requested again that he not call anyone but me and he listed off every single family members name that he could call. When I asked him if he knew what the debt was for he told me to walk around my house and figure it out.
Product: Debt collection

Upon receiving debt collection notice on XX/XX/2018 from Credence Resource Management LLC I determined the debt in collection was not mine. I followed up by sending a letter to the company on XXXX Demanding Credence provide proof that i owe the debt. It is now XXXX and Credence has not provided proof. I spoke with Credence today and was offered lower amount that what the bill states. I explained i never authorized cell phone service with XXXX. XXXX fraudulently used my social security number and mother in law 's name to open an account without my permission. Then proceeded to close the account and have it sent to collections. Credence is unwilling to provide proof that i would owe this debt. I've demanded they remove it from my credit report. Credence has not complied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Agency keeps reporting a 6 year old debt as a new delinquency. The Date of First delinquency is XX/XX/XXXX. It has been investigated, corrected and then shows up again as a new debt. 

Collection account is below : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$7300.00} Amount {$7300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I was in prison at the time this account open in XX/XX/XXXXyou can look me up at XXXX.. I been XXXX since XX/XX/XXXXSo I was not around to open this account or somebody else use my IDLVNV FUNDING LLC is trying to collect {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) The creditor replied they would remove the disputed item but the bureau is still reporting the information. see the attached letter from XXXX XXXX XXXX.
Product: Credit reporting

A fraud account was opened with XXXX XXXX XXXX XXXX with a balance of XXXX.The fraud account was opened in XXXX, FL in XX/XX/XXXX . A fraud dispute was opened with XXXX XXXX and proper paperwork was provided. The original investigator assigned to case was XXXX, contact number XXXX ext XXXX regarding fraud account XXXX fraud account was resolved in my favor and it was reported to XXXX and Equifax. XXXX has removed the fraud but after several disputes with Equifax , they will not remove it. The first dispute letter was mailed to Equifax on XX/XX/XXXX. Since then it was mailed 2 more times, on XX/XX/XXXX and XX/XX/XXXX. The last attempt was not unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

My complaint is directed toward Popular Community Bank cancellation policy, I closed my account XX/XX/XXXX and received a statement XX/XX/XXXX. I called the bank to verify if my account was closed. I was told both of my accounts were never closed, and the withdrawal slips states it was supposed to be XX/XX/XXXX I called Popular Community Bank after I received a statement XX/XX/XXXX and was to the account was still open, a Auto Charge was placed on my account and NSF Fee {$34.00}. My 2nd account was opened XX/XX/XXXX The representative stated that I will have to file a claim to have charges removed 1st and my 2nd account was both accounts were closed the same time, Popular Bank Rep told me she will place in a claim on the 2nd checking so that I am not charged to close the 2nd account. No transaction had taken place on 2nd account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XX/XX/XXXX in which Capital One was included as a part of my debt. The bankruptcy has been discharged, but Capital One has continued to report on my credit report as late, it was reported to XXXX as late on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. That information if not correct, they should have no longer been reporting to my credit.
Product: Debt collection

This company sent information to my credit ( 3rd party debt collector ) and never contacted me about that specific debt. I've had trouble with them before and they couldn't verify information fully and stopped responding
Product: Credit reporting

I have contacted Experian several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit file.
Product: Credit card or prepaid card

Hello I am now divorced and recently married so my new name is XXXX XXXX XXXX. I am requesting assistance with my Credit Card Company Avant. Card # XXXX. POC is XXXX XXXX ext XXXX claim # XXXX, email address of rep XXXX ... .In XXXX / XXXX of 2022 I applied and received a credit card with Avant. I applied for this credit card to go on vacation. I unfortunately lost the card and did not know. I found out that my card was lost when I was looking at my app and saw that there were various charges on my account that I did not do. I called and filed a fraud claim with Avant. I also tried to do some investigation my self calling the merchants to let them know what happened to me. They said they could not assist me because I already filed a claim with the bank.. I called to find out the decision on my claim and recently was told that I am to be held responsible for the charges even though I did not place any of the charges and not in possession of the card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the respective agency last XX/XX/2022, but up until now I haven't received any repose from them. I am very stressed right now and I felt being ignored and being taken advantage.
Product: Payday loan, title loan, or personal loan

We did reach out to KwikCash for a loan when my credit schore was XXXX. I understood my loan payment for {$2500.00} would be {$180.00} for first payment then after that $ 118 Monthly. I also understood my interest rate would be accessed according to my credit score and credit history. KwikCash pused my interest rate to 125 % with a credit score of XXXX!! That is excessive and abusive lending My family experiensed a finicial hardship and reached out to KwikCash to inform them of our finacial hardship and the exccessive interest rate. Kwikcash offered to reduce our rate to 120 % and requested payments every two weeks. Also threatened to sue by filing a civil suit against us and ruin our credit. I asked for them to except one payment per month until we got back on our feet, we were told the under writer said NO. I was also told we had to provide them with a ATM Debit card to pay going forward. I expained we did not have a Debit card to provided to them and I would mail a money order/cashierspayment. I was told they would only allow us to pay by Debt card. I also explained that our goal was to avoid chapter XXXX bankrupt, i did not also know our interest rate was sooo excessive and to please lower it and work with us. I was told they would only lower to 120 %. This is offeal and wrong to threaten us. To threaten to sure a Military Veteran who severed our country and take advantage a soon to be XXXX Vetern is just offeal. Who can justify imposing a 125 % rate on a consumer with a credit score of XXXX % and a soon to be XXXX Veteran. Also the application was done online and the terms were deceptive, unclear. Small print and the payments were understandable to be monthly, not byweekly. Just wrong, and would not work with hardship and refused to take payment unless it was with a ATM card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a dispute with direct express for over 100 multiple charges that were made through an online server called XXXX XXXX  on my XXXX XXXX debit card. I sent in documentation that show that I was hospitalized during the extent of these transactions and sent a truth affidavit along with records of my XXXX XXXX  that show it wasnt on my account. I did not receive responses until weeks later after filing a complaint with the XXXX XXXX XXXX. After following up with the supervisor they denied my dispute with out reasoning. When I requested documented proof and reasoning of why my dispute was denied I was hung up on. I called back multiple times and was told that my dispute was denied because I did not report another transaction that had occurred within the same time limit through the same server. Clearly I must not have seen this transaction for a dollar if its even there. I still have not received anything through mail and my emails are going un answered. This is my sons XXXX benefits and they are stealing from Him just like whoever stole from him too. I just need to know if I need a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX 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: Debt collection

For approximately one year now I have been receiving several calls/voicemails daily from Kia Finance XXXX The man leaving the voicemails says his name is XXXX with Kia Finance and would like me to return his call. He insisted the message was for XXXX XXXX ( I am not XXXX XXXX. After several unsuccessful attempts at reaching XXXX, I was finally able to get through to who I assumed was a representative and asked to have my number removed from the call list as I am not XXXX XXXX. I stopped receiving calls for about two weeks when I received yet another call from XXXX today ( XX/XX/XXXX ) who now believes I am XXXX. 

The number XXXX calls from is XXXX and the number he leaves for me to call him back at is XXXX. Im getting very fed up with receiving these calls/voicemails. Im not certain if it is a scam or if it is a legitimate Kia Finance representative looking for a customer. I would greatly appreciate the help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today 's date XXXXXXXX XXXX  2021 XXXX XXXX XXXX falsely reported that I was 30 days late. In which I was only {$12.00} short on XXXX of the month of XXXX. The first problem the don't have a 30 day bill cycle they have a 28 day cycle. The late charge jumped from {$12.00} to {$140.00} from the 12 to 21 is on 10 day not 30. They went back took out money paid in XXXX and XXXX and wanted it on the XXXXXXXX XXXX 2021. I went in to complain in their system they remove/stop my option to complain tab away. Now I can only inquire not complain. 
1. False 30 days late hitting my Credit reports 2. Removed my ability to complain from their website 3. Terms tossed around Delinquent and bring current on 10 days not 30.
Product: Credit reporting or other personal consumer reports

My credit report shows several inaccurate billing entries, reflecting late payments that are not consistent with my payment history. Please correct these errors.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer has attempted multiple times to get copy of his own consumer credit report via Transunion.com and XXXX Out of all 3 Credit reporting agencies Transunion has been the most utmost difficult to deal with and has violated consumers right to obtain consumers credit report. Consumer has recorded all interactions with said credit reporting agency and now has to be forced to pursue leagal action as CRA is violating consumers rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is more than 7 years past the 1st delinquency. The term of the loan is reporting incorrect, the final payment is reporting incorrect, late payments are being reported to credit agency but not the on time payments. I wrote to carmax auto finance, and called to try to get this issue resolved.
Product: Debt collection

I sent Carter Young Inc. an debt of validation letter on XX/XX/2021 and XXXX XXXX, 2021. I haven't received any information about but they still reporting on my credit report every month. I ended to an pay to delete letter on XX/XX/2021 and still no response.
Product: Mortgage

In XXXX I received a notice from XXXX XXXX XXXX  that my flood insurance coverage was insufficient by {$23000.00}. I immediately filed for an increase on my flood policy from {$190000.00} to {$200000.00}. I was unable to increase it by the requested {$23000.00} as it would have exceeded the percentage of value guidelines. I immediately faxed the declaration page showing the increase to XXXX. A day later I had the flood policy amended to show the change of mortgagee from XXXX to XXXX as the change had not been made whenever they switched over. Last week I received a bill from XXXX for {$110.00}, for forced place insurance in the amount of {$23000.00}. When I called and got through to a manager he told me that my earlier 2 faxes had been received but never transmitted to their insurance department. I believe this Company is engaging in false and deceptive practices by force placing unneeded insurance on their mortgage clients. I am a licensed insurance agent and wrote my own policies so that although I am a senior ( age XXXX ) I was able to respond to this request quickly and accurately and professionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time disputing these address on my credit file. I have never lived in NEW YORK  in my life and I and a victim of fraud and I want these fraudulent addresses removed from my credit reports. My name should appear as XXXX XXXX XXXX XXXX XXXX SS XXXX my only address should be XXXX XXXX  CIRCLE XXXX OH XXXX. Please delete the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX