23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Collection account. 
, 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 In 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Checking or savings account

XX/XX/2021 To whom it may concern : I am writing in regard to my dispute of scam/fraud with TD Bank. On XX/XX/2021, my Personal checking account was hacked with several withdrawals being taken totaling in the amounts of {$2500.00}. I received a telephone call from a TD Bank representative and was told that my ATM ( Debit card ) was being used in a different state with suspicious charges and if this was me as the charges were in a different state. I told them that I was not making transitions. The TD bank person ( scammer ) then texted my phone and stated the amounts would go back into my account, however the name would be TD Bank Refund which would need my approval and I would have to state yes in which I did. During this time I was able to log into my TD bank account and realized the scammer created a XXXX account called XXXX and was withdrawing money from my personal checking account. I never approved withdrawals and realized this was a scam and immediately contacted TD Bank on XX/XX/2021 to report the fraud and scam. I was transferred to a TD Bank represented ( Fraud Department-XXXX  ). She in return requested that I close my PERSONAL checking and BUSINESS accounts as this was definitely fraud and a scam as there was no such account as XXXX XXXX XXXX. She provided me with a Claim number # XXXX and advise me to contact TD bank within 3-5 business days for the investigation results. I contact TD Bank on XX/XX/2021 for the status of the claim and was told that the claim was denied as I had approved the transition. I stated this was untrue, as I did not create a XXXX XXXX account and requested my money to be returned. I then asked the case to be reopened. TD bank Fraud representative then advised me to contact my local police department and file an incident report and to fax a copy of the police report to TD Bank with my new claim number Claim # XXXX. On XX/XX/2021, I filed a police ( Please see attached ) and faxed to TD Bank confirming the scam incident. The bank representative advise me to contact them within 3-5 days. However, on XX/XX/2021 TD Bank again denied my Fraud claim and will not refund my funds of XXXX. 

Please note, I have called the TD Fraud department, my local branch and was told my monies will not be refunded. I have exhausted all means to retrieving my money back into my account. I have banked with TD bank for over 15 years and have established a great rapport with excellent credit rating. Please assist me in this matter as the loss of XXXX has caused undue financial hardship, emotional stress on myself and family members in which I am the sole provider. 

I can be reached at XXXX  XXXX-XXXX  or by email XXXX. Thank you in advance. 

Sincerely,
Product: Debt collection

This collection account was deleted in the past, and somehow came back on. It was already found to be inaccurate and false and here it is back on my credit again. 

I am a victim of identity theft, and I am attaching my FTC affidavit. Please help me.
Product: Debt collection

I received an email alert today XX/XX/XXXXfrom XXXX. After checking what the alert was in reference to I noticed it was for my account being flagged for collections in the amount of {$1200.00} from a collection agency named Enhanced Recovery Co L. I immediately called XXXX to report this debt collection, because it is not me or my debt. The woman I spoke with told me this debt collector is trying to recover a debt for XXXX XXXX XXXX. Ive NEVER had XXXX XXXX XXXX. this is 100 % not my debt. At the instruction of the person I spoke with at XXXX 's fraud dept, I contacted Enhanced Recovery Co L to report to them this is not me or my debt. They then told me the name they had on file was my maiden name from XXXX years ago, and gave me the phone number and email address they had on file, along with a name ( not mine ). They gave me instructions for reporting this debt collection as fraudulent. 
The information they gave me was as follows : the debt collector : Enhanced Recovery Co The company of the original debt : XXXX XXXX XXXX The date the account was opened/closed XXXX The amount of the debt : {$1200.00} They also provided a phone number and email address they had on file.
Product: Checking or savings account

on saturday XXXX XXXX 2017 i deposited my tenants TD bank account check for {$7700.00} into my TD bank checking account. on sunday it said the funds were pending. on monday it said the funds were pending. on tuesday morning the funds cleared and were deposited into my account. i needed to write checks out so to be sure i called the banks customer service line and they said the funds were from a TD account to a TD account and they were in there go ahead and write your checks. i then proceeded to write out checks and send them out. that night i went into my account to transfer funds and noticed my account was in the negative. i called customer service and they apologized and said i should go to speak to the bank. i went the next morning and they were sorry but said they should have never said to write my checks.i said the funds were cleared to my account that i should n't be responsible, they should. I feel they should be going after the person who wrote the check since she is a TD bank customer and it was a TD bank account and they cleared the money. This is n't a small amount I can make good on. Why should I have to make good on the monies and go after her when they told me the funds were OK to write checks on and use and I have proof the funds were cleared in my account. even in the overdraft letter they sent me it states the funds are usually available the next business day unless an extended hold is placed and that the deposits show as pending until the funds are fully available for use. another customer service rep called me wednesday to apologize and say they will use my case in training. i told them they should be going after their client since they cleared the funds not me and it was n't right i should have to scramble to make good on the checks i wrote. they said they would credit my account for the trouble {$50.00}.
Product: Credit card or prepaid card

Bank of America closed my account without warning and and I was paying my monthly payment on time every month. They further ruined my credit with a note that they closed the account. I called them and they could not give me an valid explanation other than they saw my other accounts and decided to close it. They dont know what arrangements u had with the other creditors and I was paying them as well. There was no reason to close it without my knowledge. They jacked the interest up and will send out a high penalty if not paid on the due date. I had to fight one of fees as well as twice they had to refund me for taking a double payment out of my account. 

In my checking account I was charged multiple fees in the past when they claimed XXXX was the new overdraft fee and they claim that particular transaction wasnt covered and I had to still pay XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several inquiries on my credit report which I did not authorize and/or recognize. Please remove these unauthorized credit inquiries immediately. 

XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX 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 card

Throughout, I've been diligent in guaranteeing punctual payments for this account, preventing any lapses. The occurrence of late payment remarks on my accounts confounds me, as I am uncertain about their origins. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

DO NOT CLOSE THIS COMPLAINT FOR ANY REASON IM TIRED OF GETTING MY COMPLAINTS CLOSED FOR NO REASON. I am making this complaint myself. about accounts that do not belong to me that the credit bureaus have ignored my letters that ive sent in.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX ( Original Creditor : XXXX  ) XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I inaccurately reporting my information not properly responding with full evidence of the investigation as requested breaking multiple laws in which I want to be compensated for if all inaccurate information isnt removed and they must show full step by step verification of the investigation that takes My full legal name is [ XXXX XXXX ]. My Social Security Number is [ XXXX ]. My date of birth is [ XX/XX/1978 ]. I am an individual and consumer as defined under 15 U.S.C. 1681a ( c ). This letter is a dispute of the completeness and/or accuracy of an item of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i.

The item of information below that you maintain in a consumer file about me and publish to third parties is inaccurate and/or incomplete and I request that you promptly delete it from the file : [ Credit Acceptance Account XXXX Pursuant to 15 U.S.C. 1681g ( a ), I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). I have enclosed proof of my identity and current mailing address. Please be advised, this dispute letter contains sufficient information for you to legally act on it. Any delay tactics or needless requests for information will not avoid your legal obligations to me. If you fail to comply, I will seek damages, costs, and attorneys fees.

See 15 U.S.C. 1681n-o. 

Sincerely, XXXX XXXX
Product: Mortgage

Wells Fargo foreclosed on my duplex and my {$69000.00} escrow. Because they were collecting for a loan that was already included in the first mortgage on my house. I have now paid it again to XXXX. Now XXXX has transferred to another servicer that wants me to pay them the same money. 

HOW MANY TIMES DO I HAVE TO PAY SOMEONE FOR THE {$47000.00} someone gave me in 1992? I apparently paid Wells Fargo for a commerce bank loan that was paid off by my house loan. - actually it was paid off with my escrow and extra money I had to pay to midland mortgage I did not owe. I believe Wells Fargo was collecting for the escrow I was paying on another property and I had already paid to another lender. I also believe they paid this money to XXXX for insurance I had not spent/used. The money also XXXX have paid been paid to XXXX companies claiming to have judgements against me or my husband and with whom we never HAD an account. 

WELLS FARGO STOLE MY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX " ACCT XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX '' ACCT 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 XXXX XXXX A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have filed 3 disputes just this year with Equifax, and 2 disputes with XXXX  and XXXX, about XXXX XXXX XXXX. XXXX has not validated this account with me ; I have sent them 2 certified letters and 1 fax with no response so how could this account be validate with any of the credit bureaus. On XX/XX/XXXX I sent a fax to all 3 credit bureaus only to receive an e-oscar response 10 days later stating that anything reported on my credit will stay 7-10 years. Then I sent a second letter to Equifax on XX/XX/XXXX on with the same response 10 days later. The fact that I received a response in 10 days after they received my letter and fax, one can assume that there was no investigation. I have not heard from XXXX  or XXXX and its well past the 30 period. I am submitting this complaint for Equifax due to lack of investigation into my original dispute and to XXXX and XXXX for not responding within the 30 day time frame. This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Product: Checking or savings account

Disputes at Citizens Bank were not handled properly. All 3 disputes were denied, 2 claim numbers. There is no way to contact the disputes department. Received 1 call from a private number, so of course I didn't answer, from XXXX man with thick accent, Citizen Bank employee telling me in an indifferent scripted tone, without any reference to a claim number, that services were rendered. They aren't even all services. 

After resubmitting my disputes I was told I would received 2 calls from disputes since there are XXXX disputes and 2 claims numbers. I only received 1 call/ voicemail from a private/restricted number. 

What bank doesn't have a real claims department to contact? 

Claim number XXXX totaling {$71.00} 2 items ITEM 1. {$58.00} XX/XX/2021 is XXXX XXXX XXXX makeup from an XXXX store offering money back guarantee. They REFUSED to give me my money back and now claim I am beyond the 30 day guarantee. At the time I was sick with XXXX XXXX. 
Scam XXXX store is called XXXXXXXX  and is not related to the national chain XXXX XXXX in anyway, which I recently learned. As of XX/XX/2021 I learned this store is now closed for its scams. XXXX KNOWS I WAS SCAMMED AND REFUSED TO REFUND ME. CITIZENS BANK KNOW I WAS SCAMMED AND REFUSED TO REFUND ME. 

ITEM 2. {$12.00} A company to boost my social media followers sold me profiles of XXXX in XXXX world countries. 

Claim number XXXX {$140.00} XX/XX/2021 XXXX purchase XXXX XXXX XXXX The employee dyed my hair a dark shade of blue. I wanted platinum blonde. She put too much blue in the toner and walked away from me. Normally I do my hair myself and told her to be careful not to dye my hair blue, which she proceeded to do. Due to XXXX XXXX XXXX I sought her assistance. She then cut, without my consent, my hair short due to my hair then being dark blue. I asked for the manger to call me and to date the manger has refused to do so. 

I made disputes with Citizen Bank. I refiled the disputes. The dispute department refused to allow contact or to even acknowledge the claim numbers upon 2nd dispute. I emailed XXXX whom to date has not responded back. I made them aware they are now part of my complaint to you. 

Please assist and hold Citizens Bank accountable to protect its consumers. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$52.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$76.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX LA XXXX, LA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX
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 the 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 requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i received a refund check from my college in the mail, and i went to deposit it to my bank ( chase ) on XX/XX/XXXX. they told me the funds would be released on XX/XX/XXXX. then my account was held because they couldnt verify the phone numbers that was on the check & the customer service number due to it not showing in their system. i reached out to the bank that sent me the check and they said those are the only XXXX numbers that can be used to verify the check, weeks go by and still chase couldnt verify the check. They closed my account and said that since they couldnt verify the check, that the funds would be held in the treasury for XXXX  years and it would be sent back to the maker.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account XXXX XXXX  # XXXX. Please investigate and provide proof with statements showing that these payments were late if proof can't be provided, demand these payments be updated to on time as they should be as i was never late. Thanks.
Product: Credit card or prepaid card

Purchased appliances at Best Buy and was offered the store credit card with a promotional offer of 10 % rewards on the purchase being made that day. At the time of the transaction the employee told me that the rewards could be used to pay the balance of the credit card which turned out to be false. I didn't find this out until I received the statement from the company and called to inquire how I could use my points for the payment. My intention when purchasing the appliances was to pay cash through a debit card and would have never signed up for the credit card if I hadn't been mislead. When bringing the issue up to the credit card company they said that nothing could be done.
Product: Credit reporting or other personal consumer reports

Three reporting bureaus and XXXX XXXX abused file to deny age of creditor, utilized information from over ten years ago [ employment history ], and company denies any wrongdoing for their failure to report accurately from 2019
Product: Credit reporting or other personal consumer reports

I submitted all of my documents 3 times already and my 2 credit cards regularly report my activity to all 3 credit bureaus, but only one - Experian- blatantly resist to create my profile/ falsely claims my profile does not exist. It does with 2 other bureaus, but not with Experian. I need to have a profile there. with correct information and regularly get my annual report, per request./