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

I received 2 checks : 1 - Cashier Check 1 - Business Check TD Bank decided to approve both of them. I have a business account ( among others ) with TD. The checks came back as fraudulent. I told TD its not my fault ( I showed them the Police Report and also the FTC report proving what I was saying. Over the course of this week, TD refused to give me information about my bank account over the phone and just stated I need to step into a branch with an ID. I did, multiple times, with my Fiancee. At the branch they tell us they have to submit an application and the fraud department has to review it.

TD is charging me overdraft fees, NOT letting me see my bank accounts so I can see the balance, increasing the overdraft, and not letting me pay at all.

This is very frustrating because I have been a loyal customer to TD for many years, and never had a situation like this happen. This has placed a seize on my business operations and my personal life.
Product: Student loan

My loan servicer is EdFinancial. I called to request a refund of {$20000.00} towards the end of XX/XX/2022 since I paid my loans in full already. Theres no way for me to see any confirmation or updates unless I call. I called today ( XX/XX/XXXX ) and they said my refund has not even began to process. They were telling people it can take up to 150 days to process, but now are saying its up to the feds to process them. Meanwhile other loan servicers are processing refunds within 30-45 days, and mine has yet to even start processing or anything show up on my account. I cant afford to pay payments/interest when they start back up in XXXX. Why does edfinancial take so long while other servicers are quicker?? They seem very disorganized and dishonest.
Product: Checking or savings account

I receive child support from Montana XXXX XXXX XXXX which can not be levied from my bank account. A judgement was entered for a past medical bill even though I am in the process of filing for XXXX XXXX XXXX  and have retained an attorney, have provided the attorney 's name and contact information and completed the credit counseling my account was still levied and my child support was still taken twice. My bank did not audit my funds to to see if the funds were eligible for garnishment even though I informed them the first time that they were not and did this immediately. They must hold the funds for five days and they refused to correct it either time. they took every cent in my account including all child support and medical reimbursement. They had all documentation because they received the direct deposit from XXXX XXXX XXXX and they have not responded to requests to correct this and have said they have no intention to correct it. I still have not been returned the child support which I rely on to support my daughter. This is through Valley bank of Helena. I talked to XXXX XXXX who is the Vice President and the Fraud department and all of them have refused to correct it and have cleared my bank account out completely without any recourse for me. I have had to miss close to 40 hours of work in an attempt to correct this and my bank account remains overdrawn, my daughter was pulled out of childcare without notice and I could not even buy groceries. These funds are protected by law and they took them without the right to do so on two separate occasions which have caused me significant hardship and caused me to even miss a house payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit/Deferred payment plan was offered as part of an online purchase from XXXX XXXX on XX/XX/XXXX. 

That credit was denied with sales agent having no information on why it was denied. 

On XX/XX/XXXX correspondence was received from : XXXX C/o XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. 

The reason for denial was listed solely as : SSN reported as deceased. 

The source of that information was Experian. 

Trying to contact them yielded nothing through their automated system other that an erroneous fraud alert, which was neither desired or requested. There is no method for contacting Experian for immediate resolution of this problem other than through the mail with no reference number or issue number given to assure resolution.
Product: Credit reporting or other personal consumer reports

This morning, I noticed some incorrect accounts on my credit report, and I have no idea how they ended up there. I routinely review my credit report, but this time, there were unexpected discrepancies. I even tried refreshing the browser, thinking it might be a glitch, but the inaccurate accounts remained. Due to this problem, Im requesting a thorough review of the documents Ive sent to ensure that I dont have to deal with this issue again.
Product: Checking or savings account

My Chase debit card was compromised and card and pin were used to purchase a money order at XXXX XXXX XXXX XXXX CA XXXX even though card never left my possession and I have never been to this post office. This occurred on XX/XX/2018 at XXXX pm. I received a email alert from Chase, I contacted Chase right away and they credited funds to my account and about a week later reversed my credit and said I was liable.
Product: Debt collection

I reached the agreement with CCS and asked for a letter from them to state that it would be removed from my credit report, was told to contact the company that put in the request and I did ( XXXX XXXX ) and they sent me back to CCS collections with no result, I'm a XXXX Veteran just trying to get a home and its taking my credit score down stopping me from getting the low interest loan that I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

Re : Unauthorized Credit Inquiry & Fico Score error To Whom It May Concern, In XX/XX/2022, I received a copy of my credit report. The credit report showed a credit Inquiry error by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an Inquiry on my credit file, unless I have authorized it. Please have my fico score points restored back to my credit file where my fico score was before your error/mistake was made immediately, because it is making it very hard for me to acquire credit. 

I am also requesting that you request a rapid rescore on my behalf from Experian. 

I have also sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you've restored my decreased fico score points. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Thank you, XXXX.
Product: Credit card or prepaid card

Paypal signed me up to their credit card " Paypal Credit '' without my express permission or authorization. This is fraud.
Product: Credit reporting or other personal consumer reports

recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX paymenton an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX and past due balance of {$280.00} from XXXX on XX/XX/XXXX ) Im now requesting you investigate and provide verflable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. As it is my affecting credit and my moms credit as well.
Product: Debt collection

Collection is listed on my account for a card that I was an authorized user for at some point. The original debt is not mine and I was removed as authorized user years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX 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.
Product: Payday loan, title loan, or personal loan

I attempted to make a payment onlver the phone with my debit card in the amount of {$540.00}, but the agents stated that there was an issue with my CVV code. I called my bank only to confirm there was no such attempt at an authorization. I calle d BPL back and att entpted again to process a payment and was told the same thing as before. I eventually settle to have the payment ACHed from my account for {$560.00} for  two  days later.
Product: Checking or savings account

I currently had sold my home and was going to purchase a new build home and wanted to put the money in a " safe place '' while the construction on the new home was being completed so I opened a CD account with Comenity online bank for {$140000.00} that was funded from my regular bank account on XX/XX/XXXX. My plans changed and I found a new build house that was available now and made an offer on that property and needed to close the CD in order to put a down payment on this house. I called their customer service as soon as I knew of this change on XX/XX/XXXX to request information on how to take a penalty and close my CD with them. I was given the information on the penalty, and was told it would take 3-5 business days for them to send the money back to my original account. I requested that the account be closed on XX/XX/XXXX. The closing on my new property was scheduled for today XX/XX/XXXX. They still have not completed this transaction. They have an online messaging system that I have sent 10 messages inquiring about the status of this account and the only response I have received is that it is " under review ''. I have called their customer service line daily starting on XX/XX/XXXX since I was getting no response on their online messaging system. I have spoken to several members on their customer service team and their " escalation '' team. I have asked to speak with a manager, director, supervisor and have been told that they do not take direct calls. Multiple customer service agents have assured me that the account has been escalated, however when I called yesterday on XX/XX/XXXX the customer service person I spoke to said she could not see notes that my account has been escalated. I contacted the bank again today XX/XX/XXXX and the customer service rep told me that my only next step might be to write a letter to their corporate office and was unable to give me any further information regarding my account. 
As a result of this, I have had to scramble to try to find other ways to fund the closing of my home. It is a very disconcerting thing to put your money in a place for safekeeping just to feel like you need to actually be protected from the financial institution itself. I would want other consumers to know that this bank does not make good on the information they give you, and will not transfer your money to you even in the case of an emergent situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company today, XX/XX/2019 at XXXX and spent almost 20 minutes on the phone with them. The first representative I could barely understand and I had to ask him to repeat himself several times. However, I know I did have to list every inquiry I had issues with, only to then be told transunion couldn't help and I had to go the lenders?? Even though I already contacted them directly and told Transunion this, they still couldn't do anything. I then asked for a supervisor because clearly this had to be wrong. My credit bureau is supposed to PROTECT my information and clear any inaccuracies. The supervisor however gave me the same exact runaround. What are they there for!!????!!! I need these auto loan inquiries removed. I own a car with no lease. I'm not married and I dont have kids. I don't need a car. I did absolutely none of these. XX/XX/2019 - XXXXXXXX and   XXXX, XX/XX/2019 - XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/2019 - XXXX XXXX, XXXX XXXX, and XXXX XXXX. I need these removed ASAP. Transunion is awful. XXXX has so much better staff that is much more helpful.
Product: Debt collection

I have asked National Credit System to validate a collection they are reporting on my credit reports on XX/XX/XXXX, XX/XX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXXXXXX XXXX Balance Owed : {$550.00} XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I wanted to apply for a CareCredit card for veterinary use only. I called the number to apply and told them I wanted only a regular CareCredit card. My son had applied for one and they sent him a XXXX instead. I was told the only way to apply for the CareCredit only was via the website. The customer service person I spoke to gave me the site to use after I reconfirmed it was only for CareCredit and not for XXXX. I applied and was approved. I then received a XXXX CareCredit card in the mail. XX/XX/year> I called Synchrony Bank who handles the card and was transferred to CareCredit. The supervisor, XXXX Indicated that the only way to get a plain CareCredit card was to apply online. I explained that I called the number to apply online and was told I had to apply online they no longer took applications over the phone. His only answer was for me to re-apply to get a plain CareCredit card. He stated that because of my credit history I was eligible for the XXXX so they automatically process it that way. XXXX was unable to provide any back up to me that showed that I agreed to be " upgraded '' to the XXXX. 

I also questioned the fact that I was going to be charged {$1.00} per month to receive statements in the mail. XXXX indicated that was recommended/approved by the Consumer Protection Bureau and the put the policy in place. I feel that I was switched into a different credit card without my knowledge because I was following the instructions of one of CareCredit 's service representatives.
Product: Payday loan, title loan, or personal loan

In XX/XX/2019 took out a title loan for {$3000.00} with XXXX. over the year I have paid {$2600.00}, however, XXXX is saying that I owe {$4500.00}. I feel that their practices are suspicious and unwarranted. 
I continue to make payments but my balance is not going down.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Bank account or service

I have been a customer of TD Bank for a few years now. I recently learned that this bank is charging me about {$5000.00} in overdraft fees from several bank accounts that I 've had with them. Till this day I do n't have any stamens explaining how the overdraft and these accounts accured. However I also learned that TD Bank has been sued and the pass for illegally charging people overdraft fees on their accounts by we are arranging the order of transactions from the highest number to the Lowest number in order to charge overdraft fees per transaction. I recently had a account that was closed by them because they stated the account was overdrawn over {$700.00}, after the account was closed I had a deposit come in for {$930.00} which was a payment from my employer from a pension. I contacted the bank and requested to get my money from them as the account was closed I also received a statement from them telling me that my balance was XXXX on that account and they had a deposit of {$930.00} in my account. I tried speaking to a general manager at the TD Bank XXXX XXXX XXXX XXXX and he was not very helpful. also called TD Bank 's when he XXXX number at the regional office in New Jersey and the customer representative on the phone was not able to help me. I am seeking information on these accounts and have these overdraft fees wiped by TD Bank I am seeking information on these accounts and have these overdraft fees wiped by TD Bank and I am also seeking my check of {$930.00} to be returned by TD Bank to me.
Product: Consumer Loan

Returned my vehicle once I was laid off from my job, was not past due ... .but they immediately filed for a judgement on my credit.
Product: Debt collection

I received a call on my private telephone number for XXXX XXXX, who is my cousin. I am on the do not call list. At no point in time has he ever used my telephone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account numerous times already which resulted from alleged identity theft. Again, Im sending over identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This particular account is undoubtedly placed as a charged-off account, why is there a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it with XXXX or eliminate the account certainly. 

XXXX XXXX XXXX {$580.00}
Product: Credit reporting or other personal consumer reports

I have contacted experian several times as they are furnishing data that does not belong to me i have submitted my ftc report as well as my identification documents several times and they are ignored. they have not followed FCRA rules in regards to my identity theft dispute at all
Product: Credit reporting or other personal consumer reports

XXXX  account is closed and paid in full! I disputed this account, because a late payment was put on this account due to a billing error! According to ( 15 USC CODE 1666b ) This is a violation.