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

TD Bank has refused to close my checking account for almost three months. I opened the account online. I have never been to a TD Bank branch. I called their customer service number to close the account on or around XX/XX/XXXX. I was told the account would be closed. In early XX/XX/XXXX, I received a statement in the mail. The account is still open and has been charged two monthly service fees since XX/XX/XXXX. I called their customer service number again on XX/XX/XXXX. I was told they could not close the account and that I needed to contact my " local branch, '' despite the fact that I have never been to any TD Bank branch. I called the local branch at the number I was provided. The local branch refused to close the account. First, they told me to call the customer service number. Then, they told me to send a letter to a post office box in Maine. Neither the representative at the local branch nor at the customer service number could explain why my account was still open or why they were unable to close it.
Product: Credit reporting or other personal consumer reports

I have communicated with this company on multiple occasions explaining that I did not open this account nor did I ever receive any cards from them. I need this account removed from my credit report immediately as it is hindering me securing housing for me and my XXXX children. I am trying to move forward with my life.
Product: Debt collection

On XX/XX/2023 and XX/XX/2023, I filed two Debt Validation Letters for two separate accounts with Resurgent Capital Services requesting them to Prove the Claim and to forward me the proof and following items ; 1 ) Verification that an Attorney read their Notices sent to me on XXXX XXXX. 
2 ) Legal authorization that they are licensed. 
3 ) Legal authorization that they have jurisdiction on this matter as I am a Michigan resident and they are located in South Carolina. 
4 ) A copy of the Application. 
5 ) A copy of The Purchase Agreement. 
6 ) A copy of the Original Contract. 
7 ) Monthly Statements, Purchases, and Pin # s to verify alleged debt. 
8 ) Verification of my signature authorizing Resurgent Capital Services to collect any alleged debt. 
Resurgent Capital Services have failed to provide adequate documentation to prove the Claim of Debt and simply has only forwarded a copy of an Account Summary that any professional hacker could create or get their hands on. There arent account details or any specific information on the Account Summary they forwarded me. 
Resurgent Capital Services are in violation of federal and state laws of 15 USC 1692 where they are mandated by law to provide documentation to prove the Claim. 
In phone calls with Resurgent Capital Services regarding this matter their Supervisor and the Compliance Department have told me that they will not provide these documents. The last phone with the Compliance Department was on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, the credit bureaus are to have the original contracts as verification of a debt before placing them into my credit report. I have tried to contact the following companies and the credit bureaus to show proof of the original contract and they all have failed to do so. By law, if the credit bureaus and debt collecting companies fail to hold the original contracts or proof that they verified the debt with the original contracts before placing them onto my credit report, they must delete the debts from my credit report. 

After requesting my credit report in order to fix my credit while I am currently unemployed and going to school full time, I have contacted the following debt collecting agencies in order to correct the errors that I found. 

XXXX XXXX XXXX XXXX XXXX. 
I sent them a correspondence on XX/XX/XXXX to VALIDATE the debt. 
The only correspondence I received from them was a Pre-legal notification on XX/XX/XXXX. They have yet to send me anything that I requested from them per the Fair Debt Collections Practices Act, as well as the they have not indicated to the bureaus, XXXX and XXXX, that the account in question is under dispute and is to be removed or cease from reporting the information until full validation has been completed. 

XXXX XXXX XXXX XXXX I sent a correspondence to them on XX/XX/XXXX to also the debt in question. 
They responded XX/XX/XXXX with a final bill statement which under the Fair Debt Collections Practices Act is NOT validation of a debt. They failed to remove or cease from reporting the information until full validation has been completed which they still have not shown proof of the original contract, per the FDCPA. 
They sent another correspondence on XX/XX/XXXX stating that theyve returned the account back to XXXX XXXX XXXX XXXX but still has failed to remove their information from my credit report. 

XXXX XXXX XXXX XXXX I sent a correspondence on XX/XX/XXXX to also validate the debt.

Their correspondence on XX/XX/XXXX was simply another billing statement, they have failed to provide any proof or original contract of the debt in question and have not removed or cease their reporting onto my credit. 

I hope this helps in any way to stop fraud and to stop these companies from doing thing illegally as they are not following the law on their actions. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with the listed banks that I only want to do pre qualification. Their websites concluded this however they were illegitimate and unlawfully used as inquires. I have tried countlessly to explain to these companies customer service, via mail and phone. However, I would just be put on hold for hours, not respond and they would not help as well as take care of the negative inquiries reported on my credit report. These are the following. 

XXXX XXXX XXXX XXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XXXXXXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX Retail, Not Elsewhere Classified XXXX XXXX XXXX XXXX XXXX, CO XXXX BYMAILONLY XXXX XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX
Product: Checking or savings account

On the weekend of XX/XX/18 I overdrew my checking account and during that weekend I made 2 cash deposits to rectify the situation. I called my bank and talked with customer service to see if they could help me refund a couple of the overdrafts. He said he was unable to do a courtesy refund because this had already been done prior. I said fine but didn't want to keep falling behind. I stated that I had a direct deposit going in the next day and he told me I would be fine and would accure any more fees. The next morning I had 3 additional overdrafts. I called customer service and asked to speak with a manager and was told none were available. I called back at the same number and was able to speak to a so called manager who was not able to help either. I am very upset due to the fact that I owned up to my mistake and tried to make it right and was told no fees would be added.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/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: Debt collection

Issue : My XXXX XXXX XXXX XXXXXXXX XXXX XXXX was repossessed for unlawful notification. I wasn't contacted via e-mail or phone call in regards to my car was in repossess status XXXX XXXX XXXX. Had the date order XX/XX/XXXX. Account number : XXXX. XXXX XXXX XXXX. I'm not even XX/XX/XXXX days past due on my loan. I don't even get a call or letter indicating my car is out for repossession. I don't understand my car is under repossession when my last payment was XX/XX/XXXX {$1300.00}. I never been late provided by payment history shows I paid payments over the phone on a recorded line with an agent for the dates of XX/XX/XXXX, XX/XX/XXXX, and XXXX attached document shows.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process used to review the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumers dispute. 

Upon reviewing my credit report, I discovered that my XXXX account reflects inaccurate late payments, despite my consistent record of timely payments. It is imperative that consumer reporting agencies ensure all information is reported with complete accuracy, and I am now requesting that TransUnion thoroughly investigate this account and update the entries to reflect on-time payments. 

Discrepancies in Reporting : The credit reporting agencies have inaccurately recorded late payments on this account that do not reflect my actual payment history. The discrepancies are as follows : XXXX : 30-day late payment in XX/XX/year> XXXX : 30-day late payment in XX/XX/year> TransUnion : 30-day late payment in XX/XX/year> These entries are incorrect, as I have consistently made all payments on time. 
Legal Basis for Dispute : Under the FCRA ( 15 USC 1666 ( b ) ), I am entitled to the accurate reporting of my account history. The presence of these erroneous late payments misrepresents my creditworthiness, potentially constituting a violation of both the FCRA and the Truth in Lending Act ( TILA ). Additionally, sections 15 U.S.C. 1681i and 1681s-2 of the FCRA mandate that credit reporting agencies and information furnishers correct inaccurate or incomplete information in consumer reports to ensure maximum accuracy.

Requested Action : I request that TransUnion perform a comprehensive investigation into this account and promptly remove the inaccurate late payment entries to reflect my correct payment history of 100 % on-time payments. 

Please confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with XXXX investigation results. I demand a detailed explanation of the update done on my report on XX/XX/2024. 

As far as i can see on my report nothing has been updated. Also nothing has changed from the errors i see on my report. 

I have a right to demand a detailed description of how they came to the updated conclusion within 15 days of receiving dispute results. 
Please reinvestigate or delete item from my report. 

XXXX XXXX  acct # XXXX
Product: Debt collection

This company put a negative collection against my credit reports. The states joint account, I am not even marrieds nor involved with anyone. This is not my debt.
Product: Mortgage

Since the inception of PHH taking over our servicing, we have had numerous erroneous accounting issues. Our figures have never been accurate. I am attaching 3 years of statements where you can see we have always made our monthly payments, but PHH says we are delinquent on paper, but when you call the CSR says you are current. I filed a XXXX  XXXX bankruptcy in XXXX due to husband losing his job due to covid. At the time of the bankruptcy we were behind on payments ( XXXX ) days. If you look at statements the amount of the pre petition arrearages changed, but how? The the post petition arrearages were paid current in XX/XX/XXXX in the amount of {$4300.00}. I specifically asked the CSR if this would make us current and she said yes. Then I receive my next statement that states I still owed over {$4300.00}. Now the current statement says {$9600.00}. I just do not understand what they are doing to us. I have asked for an accounting and I get nowhere. I just can not make sense of their figures. I have lived in my family home for 21 years and do not want to lose it! I have a severe XXXX XXXX and I am XXXX, I do not need this stress from them. Please any help is very much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the creditor XXXX U.S.C Sec 1681i ( a ) FCRA law has been violated Every creditor and credit bureau is obligated to report complete and accurate information to the bureau each one of the report bureau reflect different information which we make the report inaccurate and incomplete which violates 15 U.S.C Sec 1681i ( a ) XXXX reports collection account past due as of XX/XX/XXXX XXXX reports collection account as of XX/XX/XXXX TransUnion reports open account as XX/XX/XXXX balance XXXX All of this information is incomplete and inaccurate you can not report this information to the bureau like this it violates the law listed above
Product: Checking or savings account

On XX/XX/24, a merchant I ordered groceries from canceled the order. They advised they released the funds back to me, and I would receive them in 7 business days. That time came and went and I still havent received my funds. I spoke with several customer service reps along with management who advised they are working on it and cant give me a time frame. We are now in the month of XXXX and I still havent received my funds.
Product: Debt collection

XXXX report me to owe {$850.00} for Medical services on XX/XX/2016. 
I paid them by check the remainded balance for copayment. 
Now they send me into Collection Agency ( Central Financial Contro ). 
I demand an investigation in this matter because the omongus amount that they try to collect from me when I fullfiil my copayment out of my medical insuren ( XXXX ).
Product: Credit card

I have a {$25000.00} credit card line with Regions Bank split into XXXX accounts. I was going to be in the hospital and had my wife bring the XXXX checks to Regions, which I have never been late on. Afer being discharged from the XXXX XXXX I went thru what she did & noticed that Regions had misapplied both payments to XXXX account there fore reporting me 30 days late in my credit report. When I got out I went in person with their receipt and a copy of both my cancelled checks asked for the manager & he was tied up. I knew the assistant and asked him to have XXXX call me as I needed it fixed and wanted a copy of the letter sent to the credit bureau. No one called me until the next day even though I was there early Monday XXXX. The same assistant said XXXX is still busy and knows my concern. I told him I wanted it fixed in writing. Now I am late because they are over charging me on XXXX account and the wrong amount on the other. This is being done intentionally and is against the law. I have NEVER been late and they say they can correct it internally on the payments but that does n't undo reporting me 30 days late when I was NOT.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Equifax and XXXX and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on. I have asked that they provide me with the requested info on how they verify such info
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivables performance management 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 applied for and was approved for the Capital One XXXX XXXX card. The application was under a welcome bonus, which offered, among other things, a {$200.00} credit for vacation rental services including XXXX made during the first year of XXXX XXXX. 

On XX/XX/XXXX, I spent {$200.00} at XXXX on a vacation rental. 

It is now XX/XX/XXXX ( over XXXXwo statement cycles later ) and I have not received the promised {$200.00} credit. This is either a technology issue or fraud. Either way, it must be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these Inaccurate accounts has violated my rights and therefore must be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX. XXXX XXXX " Responsibilities of furnishers of information to consumer reporting agencies. 
I submitted a report from the Federal Trade Commission in regards to the Identity Theft that took place with regards to my credit. The Bureaus and furnishers have been contacted and have not corrected the fraudulent accounts showing in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian are still reporting FALSE information that has not been validated I have sent in numerous Validation letters along with identity theft reports
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit reports and I noticed some late payments on my consumer report. Your company is in clear violation of the law. Under XXXX XXXX XXXX - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) Subject to section XXXX of this title, any ( i report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the collections account that appears on my credit report, in the amount of {$20000.00} ( or recently increased amount ), where XXXX XXXX XXXX XXXX is listed as the original creditor, and LVNV Funding is listed as the creditor. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of all data being reported regarding this information and requesting that you remove the account from my credit report immediately. 2 ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments for collections can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments for collections be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.
Product: Checking or savings account

I went to withdraw money from my Cash app account on XX/XX/XXXX. I press a number incorrectly for the wrong amount and Cash app completely locked me out saying my account is suspended and to call to have reactivated. I have called multiple times and no one seems to be able to help. They over talk you and keep saying that I received an email which I never did. A real bank dont even make you go through the hassle of unlocking my card or account. I am accumulating lates my payment are getting rejected. They are putting a big problem on me at this moment.
Product: Debt collection

Debt collections have a bunch of discrepancies and failed to give me proof that the debt collections are mime. I would like to have the derogatory remarks removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! This is for the Capital One XXXX XXXX Credit Card that shows up on my credit report. This account belongs to my ex. I called Capital One XXXX XXXX and they have taken me off the account but it is still showing up on the credit report and I would like it removed. 
Thank you! 
XXXX
Product: Debt collection

XXXX XXXX XXXX Is reporting a balance on my credit report that does not belong to me. I want it removed immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX I did payment on Discover Credit card. When I asked for the balance on that date. They are not providing the information and Said : " There is no way that they can provide the information ''. 

XX/XX/XXXX called to Discover customer service connected me to the Manager Said : " There is no way that they can provide the information '' next connected me to higher Manager and gave me the same  response. 

As a customer, i do have rights to know the transactions, balances. They are not giving information that I do n't have or can see through the application ( Web and Mobile ).