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

4 years ago i had a TD Bank Bank account i keep it in good standing paying all these fees to them. on XX/XX/2014 they overdrafted my account illegality and accept a farude payment made by a merchent that i did not give authorization for to take form my account. in turn they sent me a threating letter of personal harm stating that i am in debt to them. They have broken the law and caused me not to have a bank account with other banks with their Negligence going close to Gross Negligence they did not make me whole and to this day they keep on trying to collect a fraudulent payment that they say i owe them. for 4 years i have been trying to fight these people and they just ignore me
Product: Credit reporting

I have submitted disputes several times with Transunion concerning accounts I held with XXXX XXXX XXXX XXXX. Transunion continuously reports the disposition of the accounts incorrectly, and claims it is the data furnisher XXXX XXXX XXXX. I was forced to take legal action against XXXX to try and have these incorrect reporting cleared up. XXXX has furnished information which makes it clear that it is not the data furnished, but how Transunion is using that data. It seems Transunion is not capable of reporting these accounts correctly and I would like the accounts removed, so that these mistakes do not continue. Attached is the communication between attorneys and XXXX 's internal notes on my accounts, as well as Transunion 's report.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$6600.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$280.00} Open Date XX/XX/XXXX XXXXXXXX XXXX Balance {$650.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has threaten me by Refusing to Update my Credit Report after submitting Evidence of inaccurate information on my XXXX, Experian and XXXX Credit Report. Ive spoken with these individuals with XXXX ; a XXXX XXXX, Compliance, XXXX XXXX, in XXXX, very combative, but I understand individuals like this, a XXXX XXXX and a XXXX in XXXX, XXXX  with regards to XXXX XXXX/Accounts that could effect my Interest Rate XXXX XXXX XXXX as a XXXX Veteran receiving my Earned XXXX XXXX XXXX XXXX XXXX After speaking with XXXX XXXX on yesterday, she believes that somehow shes some how personally Stopping me from receiving Approval of my XXXX Mortgage, XXXX XXXX XXXX is the Mortgage Company for which I applied, Im APPROVED, but the correction of these inaccurate XXXX accounts could cost me thousands doing this process, but I dont do XXXXl! Now this said its imperative that my SCORES are corrected for XXXX XXXX XXXX, XXXX plays a role in this process. To-date its XXXX days and XXXX hasnt contacted me with Update, again theres No one on the planet Stopping me from acquiring my Earned XXXX XXXX XXXX XXXX XXXX period! But I will not pay thousands because of Racism and Discriminatory Practices and behavior by Reporting Agencies like XXXX, XXXX, Experian and XXXX. I need my new Scores Now, Right Now! Oh and XXXX tell Experian that XXXX credit score was a Slick XXXX move, falsifying my credit score by XXXX point was very criminal and Slick, WOW whats the ignorant Racism about, WOW!
Product: Debt collection

This regards Complaint # XXXX which was filed earlier this year regaring XXXX, Ohio-based law firm Levy & Associates. 

Due to the fact that their client, XXXX XXXX XXXX actually issued a lower settlement amount ( attached ) AFTER the " bill of sale '' that was presented in Court, I did, in writing, asked to be shown the actual amount the Plaintiff paid for this " debt '' -- I believe that is an actual right/law. They declined to do this during Discovery ( attached ). 

At issue : The Plaintiff intentionally and willingly purchased " bad-debt '' in the secondary debt market -- Debt that we all know was written-off and " credit given '' by the loan originator by the IRS. 

So -- if a debt collector decidees to sue consumer for " x number of dollars '', this amount should be made available and should be TRANSPARENT so that we can all see what is going on. How much did XXXX XXXX XXXX pay for MY " default ''? -- Because Prosper already received a credit/ '' right-off '' from the IRS . 

Everyone, including the IRS knows what the amount of the " default '' was. This is not the amount that is now owed to an opportunistic party who is attempting to profit from an economically vulnerable consumer. 

As previously stated, given the poor record-keeping and the obscure nature of the secondary debt market, it is not right and should be illegal to sue someone for an amount you did NOT pay ... ... and if you " did '', and this person is still in economic despair, then this amount should be considered for a " right-off '' on their business expenses. To bring additional economic harm to already vulnerable consumers should be make illegal. 

Thank you.
Product: Credit card or prepaid card

For XX/XX/2023 and XX/XX/2023 ive paid my entire statement balance and was still charged interest both months. The month before that they conveniently took nearly 10 days to complete a transfer of money request to pay the credit bill and charged me a huge fee for the payment bouncing this conveniently settled the exact day after the bill was due. Keep in mind this money was settling between accounts at the same company. I now believe this company to be predatory and fraudulent. Ive contacted the company by phone and there is nothing we can do about the interest being applied even though full statement balances are being paid. Ive also filed a finra complaint that they fixed behind the scenes after receiving and then answered in a non serious way down playing the theft ( or incompetence ) that apparently happens there on a normal basis. 

I have attached screenshots of me paying the credit card the day before the due date and then it settling 2 days later with no grace period like 100 % of other companies offer when they know youve submitted the payment on time.
Product: Credit card

to rooms to go credit card i will like to inform you that I do not agree with all the fees your company is charging me. All started when I got my furniture from rooms to go the agent who help me get these stuff gave me a paperwork where i have to make my payment on the paperwork it was clear my payment must be made through SYN-CHRONIC BANK. Imade few payment through them until my bank notified me they are reseeding all my payment I made ( please see attached ). Since that day it is been a nightmare to make a payment on XX/XX/2016 I called on XX/XX/XXXX to make a payment through the electronic system. Guess what i could not make a payment because someone type my zip code wrong XXXX instead of XXXX that was my nightmare until XX/XX/2016 where i keep calling to make a change on my address so i can make my payment Like they told me my payment is XXXX I will keep making this payment until the furniture is paid off i m not going to pay the late fees you guys are charging me for your own fault
Product: Mortgage

My husband and I have been working on our credit to get a home loan. We first contacted XXXX XXXX with CMG Financial in XXXX to see what we needed to continue to raise our credit score. XXXX had been very helpful at first and answered questions as the months passed. We had no contact with XXXX between XX/XX/2020 to XX/XX/2020 to ask him to run our credit and get the process started fully, until I saw an unauthorized credit pull from CMG I instantly texted him and asked why he pulled our credit without our authorization. I have full texts that he " jumped the XXXX '' as he said and did apologize for pulling them and " felt we were doing business and had not been told otherwise ''. That is not an excuse for pulling our credit without authorization. We now have lost points on our credit due to is negligence to our personal information.
Product: Checking or savings account

I opened my XXXX checking account at the beginning of XX/XX/2018 with the promise of {$200.00} if I deposited {$1500.00} or more within 30 days and held a balance of at least {$1500.00} for 90 days thereafter. The {$200.00} was promised within 6-8 weeks after the conditions were met. 

On XX/XX/2018, as evidenced by my attached statement for XX/XX/2018, my balance reached {$1500.00} to satisfy the first condition of the promotional offer. 90 days from XX/XX/XXXX would be XX/XX/XXXX. 

My subsequent XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements show that my balance never dropped below {$1500.00} by the time my statement in XX/XX/XXXX closed. It did, however, in mid-XX/XX/XXXX which what I think is causing the issue. 

After 8 weeks I inquired as to why I had not received the promotional offer yet. I was told by the representative, XXXX, that I did not meet the conditions for the bonus as my account balance dropped below {$1500.00} on XX/XX/XXXX. Turns out, he was just reading " XX/XX/XXXX '' as " XX/XX/XXXX '' and blamed it on the " small font. '' Convinced that I actually should have been awarded the bonus, he submitted a formal complaint to the marketing team and said I would be notified. 

Several weeks go by and silence from XXXX. I give them a call. The front line representative ( didn't get her name ) goes over what I was saying, and agrees that I should have been given the bonus. She then looks at my investigation and says that the marketing team denied my investigation request for the bonus. I ask why. She says that she couldn't tell because they " didn't take proper notes. '' She says that since it looked like my investigation should have been approved, she will try to get me the bonus, but she would have to submit an additional investigation, but she would personally reach out to me with whatever happens. 

Several weeks go by and silence. Since I can not seem to get a hold of someone who has both the ability to converse with me and make a decision in my investigation, I have been left with my only resort which is to follow through with a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I was contacted by Credit Collection Services regarding a past due bill owed to XXXX, I mailed a request for the original billing statement and received a health insurance claim form completed and signed on XX/XX/XXXX. I submitted this to XXXX XXXX XXXX and they paid the bill on XX/XX/XXXX. On XX/XX/XXXX I received an alert that this bill was added back to my credit report so I contacted XXXX and was told that they would contact the collection agency to close the account. 
On XX/XX/XXXX I filed a dispute with the 3 credit reporting agencies and the item remained on my report as a paid collection. I contacted Credit Collection services and was told that the only way it would be removed is if I paid them. I explained that my insurance paid the bill and it needed to be deleted but got nowhere. This item must be deleted from my credit report and credit collection services should face punitive action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I submitted a complaint and keep requesting for XXXX XXXX & XXXX  to verify accurate account information. I am being targeted/retaliation for unauthorized disputes on good standing accounts to be removed. I still havent received any verified account information in the mail in which requested.
Product: Checking or savings account

On XX/XX/XXXX I went to my bank CITI Bank in XXXX, California, to open a bank account for both my daughters. Once the accounst were opened, we wanted to deposit all of their savings into their accounts. As the line at the counter was long, we were suggested to make the deposit by the ATM of the bank instead. My youngest daughters ' account went fine, and all her money got deposited. My oldest daughter, didn't have the bills stacked properly, so we made an initial deposit of {$60.00} in cash before the machine closed it's lid. That went fine and so we wanted to deposit the remaining {$350.00} into the ATM machine, after insetting the cash in the machine, an error message popped up on the screen and the machine returned my card without any receipt. I immediately went inside the bank and notified them of the situation and the they opened a case and told me that they will notify me of their findings. A few days later i received a reply that there was no discrepancy and they could not verify the {$350.00} cash deposit and offered me {$40.00} dollars for my inconvenience. On XX/XX/year> I have since contacted the bank to reopen the case to investigate again and they replied that the new audit didn't show any proof of discrepancies. 
To me it's simple, if the money wasn't found, then a crime has been submitted. 
I was trying to teach my kids to place their savings in the bank for their safe keeping and then I have to tell them that the money they have saved for more than 2 years is lost because of a banking error?? 

At this point i would like to request your assistance in following up with my complaint and to receive guidance for my right and how to request proper evidence from the bank recover the money I lost. 

FYI : The final case record I was provided by Citi bank was XXXX Thank you for your time and attention to my case.
Product: Credit reporting or other personal consumer reports

Goldman sacah bank is showing an open account with a balance of {$6300.00} when the account should be closed. I do not have an account with them.
Product: Credit card

The date of the first delinquency does not match the date that I have. Under 15USC 1681 BE You must provide maximum possible accuracy. Also taking into consideration that CFPB is currently Suing capital one as well. I am requesting full disclosure of CMI of my profile.
Product: Debt collection

This company continued to send debt collection documents for an individual that I do not know, to my property address, after I returned their mail. Please ask them to stop.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/2024 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: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My personal information was exposed in a data breach and as a result I am now realizing that I have been a victim of identity theft numerous times. I saw that there was a XXXX XXXX account fraudulently opened in my name in XX/XX/XXXX. I submitted the first identity theft disputes to the credit bureaus with my FTC identity theft report in XXXX of XXXX. The bureau disputes came back " Verified '' from XXXX XXXXXXXX. I assumed this was just a technical mix up so I continued to submit multiple re-disputes but still got the same responses. I then decided to file a CFPB complaint against the bureaus and XXXX XXXXXXXX directly ( CFPB Case : XXXX ) on XX/XX/XXXX. I received a response from XXXX XXXX XX/XX/XXXX stating that they had no signed copy of an application to provide but that because the perpetrator ( s ) used my exposed social security number and date of birth and an address they claim is linked to me by public record that I would be responsible for the fraudulent debt. I have been dealing with this for 2 years now and I am tired and broken. I have lost numerous employment opportunities due to my credit and this ordeal has put immense stress on me and my family. I was victimized when my personal and private information was exposed in the breach. I was victimized when I realized I was a victim of identity theft and I'm being victimized again by XXXX XXXXXXXX 's refusal to release me from the fraudulent debt.
Product: Checking or savings account

My checking account was closed with citibank due to fraudulent on their end. But not sure how they came up with that. It was a honest mistake that I deposit an unemployment check that was previously deposited and it was returned. Not sure why they closed my account when I had all my direct deposit from my employer coming in. My account could have been in good standing just that they closed for no reason and put on hold all my available funds. Doesnt make sense
Product: Credit reporting or other personal consumer reports

I need these inquiries removed from my credit report. They are not mine and they are hurting my credit and affecting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX # XXXX  XX/XX/XXXX - Balance : {$180.00} KXXXX XXXX XXXX # XXXX  XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Balance : {$350.00} XXXX  XXXX XXXX # XXXX XX/XX/XXXX XXXX Balance : {$10000.00} XXXX XXXX # XXXX XX/XX/XXXX XXXX Balance : {$88.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$920.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX  XXXX # XXXX XX/XX/XXXX XXXX Balance : {$830.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$3000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$25000.00} UNAUTHORIZED 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 XXXXXX/XX/XXXX
Product: Debt collection

An agency called Southwest Mediation Services of Nevada. XXXX XXXX XXXX XXXX has received a phone call on about me ( XXXX XXXX ) getting a potential civil action they are telling me 'failure to respond will result in a law that will result in the processing of the case. '' I just filed bankruptcy and no creditor is allowed to contact the plaintiff. I do not know the company or the debt. This is a scam. They have called my family leaving messages and trying to scare me. I just had the Bankrucptey meeting on XX/XX/XXXX and have been getting these calls even after filling it. I have never heard of the creditor ; they are not on my credit report, and I am not getting statements in the mail. This sounds like a scam The number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''
Product: Credit card or prepaid card

{$6200.00} was applied then deducted as though the payment was never applied or sent. When I call in to ask about the charge and reversal nobody can tell me where the payment was returned to. I asked for the payment to be sent back in the form of a check and my request keeps getting dishonored. Their records show that several payments were made and applied. However my credit limit was maliciously lowered and then reported to the credit bureaus. This malicious actions taken by chase has caused immense hardships in my life and has created very negative affects.
Product: Debt collection

I contacted the collector and made arrangements to pay the debt he contact my work repeatedly, in the same hour. Then proceeded to contact people i havent spoken to in years on my XXXX account asking them to contact me and tell me to be home because im going to be served papers to go to court. All in less than XXXX hours of making payment arrangements.. that I called to make! this is harassing and embarrassing.