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

XXXX TD BANK non investigation of filed on On XXXX XXXX XXXX  The total amount of all claims {$XXXX} approximately for the XXXX claim and impact to me ISSUES with XXXX Bank ISSUES with Checking I am the only person in the account. My initials are XXXX XXXXXXXX XX/XX/2024 - XX/XX/2024 ISSUES [ XXXX ] TD BANK TECHNICAL ISSUE or INTENTIONAL blocking me from Secure Message communication. I want to follow up via TD Bank SECURE MESSAGE but I am only allowed to reply to maybe ( if lucky ) XXXX message Hi! I try to reply using secure message. I am able to reply to XXXX secure email of XXXX and immediately ERROR TASK NOT COMPLETED appears. 

[ XXXX ] TD BANK XXXX XXXX XXXX and Inaccuracies. I moved. I changes my mail and home address. However, of the letters I received recently at XXXX had old address in letterhead and reached my via XXXX with those YELLOW address labels. 

[ XXXX ] TD BANK non investigation of filed on On XXXX XXXX XXXX The total amount of all claims {$XXXX} approximately for the XXXX claim numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX days ago on XXXX to XXXX I filed claims with XXXX Bank over the phone for over XXXX hours after I noticed fraud activity in my account. 

On XXXX XXXX XXXX  The total amount of all claims {$XXXX} approximately for the XXXX claim numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX On XXXX XXXX XXXX  I faxed support docs for all claims TD Bank had not contacted me to Investigate. I have proof for all claims I took time and effort to solving the issue with retailer or service provider first. 

TD Bank is not working on my claims. 
As a result, I have Non Sufficient Funds charges of ever {$XXXX} XXXX continue to see charges NSF charges I have not received temporary credit for claims filed on XXXX XXXX XXXX TD Bank not investigating has negative impact To add to insult, XXXX Bank stated they would close my account. 
I am only overdrawn because TD BANK is not acting on my claims Total Overdrawn Amount {$XXXX} for Overdrawn Days XXXX I reported the fraud claims XXXX XX/XX/2024 - XX/XX/2024 ) and todays red balance wold be resolved by apologizing to not act on fraud claims. 

[ REPORTING TO SOLVE ] If this is happening to me, it must be happening to other customers. 
[ I ] I want TD Bank to retract explore how to keep account open This account is overdrawn today for the NSF amounts. 
THE WAY TO KEEP IT OPEN IS TO REVERSE THE FRAUD CHARGES [ XXXX ] I want TD Bank to REFUND the NSF Fees. In fact, the account in the red for {$XXXX} would be in the black if TD BANK just refunded the NSF caused by lack of action on my XXXX claims. 

[ XXXX ] I want TD Bank to Investigate, to temporary issue credit as it is normal procedure, and to help me close the fraud claims. 

[ XXXX ] I want to know the status of my claims [ REPORTING TO SOLVE ] XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used vehicle in XX/XX/2018 and then proceeded to get a loan on it post purchase from XXXX XXXX XXXX XXXX. I bought the car in Texas and transported to Caliornia, titled, registered and insured it in CA with no issue as well. XXXX willingly loaned on the vehicle after their own due diligence. A year after originally buying the car when I went to renew my registration I was told that the car had been reported stolen in Texas and I needed to surrender the car to my local police station. After lots of back and forth with the police in Texas and California and several phone calls with XXXX, I turned in the car to the police and no longer have it in my possession. XXXX has demanded I continue to make payments on the loan for a vehicle I no longer possess. I can not afford to make 2 separate car payments and they are now reporting delinquencies on my credit report and my score has now plummeted. XXXX willingly loaned on a vehicle that wound up being stolen ( even though I had title in hand from alleged owner with Bill of Sale and registered it in CA with zero issues ) and they are now destroying my credit and demanding I pay off this loan.
Product: Credit card or prepaid card

Credit Card account fraudulently opened. 
I did not apply for the credit card with the merchant.
Product: Credit card or prepaid card

This is new account, purchased a lawn mower and after a month we still had not received anything from the finance company so we called the place we bought the mower from and they connected us with them, at that time the first payment was already late but we paid almost double and the late fee was waived. 
We still have not received anything from them. 
There is no way to contact anyone and emails are ignored. 
I set up my bank account and is was verified, I set up automatic payments and all seemed well, until the next scheduled payment, they didn't take the payment and charged me a late fee. 
I tried several times to get things verified but there is no way to talk with anyone. 
I still have no idea if it set up right and may incur another late fee. 
I don't believe it's my fault, the website is confusing and with no way to talk to anyone or have an email answered it seems like a scam. 
They do it this way to collect late fees. 
It's ridiculous. 
I only want to verify that things are set up right and refund the late fee.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I attempted to purchase a vehicle through Tesla which required a {$6300.00} down payment. The deopist was deducted from my account on the day I was scheduled to pick up the vehicle which was XX/XX/XXXX. There were things wrong with the vehicle so I was unable to accept delivery when I arrived. After several hours, I was informed that the door handle and another minor maintenance issue was resolved so I took possession of that vehicle. I was unable to reach a satisfactory deal with the financing department so I agreed to return the vehicle in exchange for the return of my deposit minus {$0.00} per mile. I returned the vehicle, took pictures and confirmed with XXXX XXXX, who I had been working with from the financing team on XX/XX/XXXX that the vehicle was retuned to the XXXX location as per his instructions. I confirmed multiple times that I would receive a refund of my down payment minus milage. I returned the car and signed a POA back on XX/XX/XXXX, confirmed with Tesla ( see email ) and it was confirmed that I would receive a refund ( see email ). I continued to follow up with XXXX XXXX from tesla regarding processing of the refund. As I continued to inquire status, XXXX stopped responding to my emails, will not answer or return my calls. I have tried every XXXX number I can find for Tesla as well as every email address I could locate and am constantly being told the refund has not processed and because of that, they would escalate to management and I can expect a follow up, but that has not yet happened. It is almost 3 months since the vehicle has been returned and over 3 months since I made the down payment. I am in deseperate need of my money and don't believe this kind of service is safe for the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7800.00} XXXX XXXX XXXXXXXXBalance : {$3200.00} XXXX XXXXXXXX Balance : {$4100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$440.00}
Product: Credit card or prepaid card

I was pretty surprised after reviewing my credit report that I found a late payment on the following date : XX/XX/2017 The first thing I did was send in a request to yous asking to send me payment history with statement of the month which you claim I was late you simply responded with a letter that what your reporting is correct with nothing to back that up. 
I am not sure how this happened. I believe I made all my payments to you when I received my statements. My only thought is that my statement did get to me.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, Advance Financial debited {$220.00} from my checking acct and i just made a payment of {$150.00} the day before is  was due. i spoke with XXXX with Advance Financial and he told me it was due to a missed arrangement on XX/XX/XXXX but it was paid on XXXX. Their process of making the arrangement is you have to directly call them to make the payment instead of having the payment auto debited out of my acct. i have this issue before and i asked to speak to someone who can help me with a better arrangement and all the employees stated is that is what the company can offer. i wasn't allowed to speak with a manager or someone who can better help me with my situation. i have other creditors i have to pay. Covid or not these people are not willing to help you with my financial situation.
Product: Credit reporting or other personal consumer reports

I would like to update my previous address from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA in 15 USC 1681. Additionally, within the FCRA, pursuant to 15 USC 1681b-2, there is a strong point to be made that this information should not even be allowed to be posted on your consumer report that you keep under my name without my consent. Additionally, Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumer files. 
Please investigate the below accounts validity within my consumer report that you maintain under my name. 

XXXX XXXX  XXXX. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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.

Standards established in the credit industry ensure integrity of data and uniform communication between ALL credit-reporting agencies.

I have attached the erroneous account ( s ) in question. This account needs to be updated to PAID AS AGREED IMMEDIATELY due to inaccurate information reported within my credit report. Failure to do so would constitute willful non-compliance by your agency to start.

The furnisher of this erroneous information is also obligated to notify you of their results within 30 days of their receipt of this letter.

Also, Pursuant to 15 USC 1681s-2, the furnisher MUST furnish 100 % accurate payment information to consumer reporting agencies at all times.

Please update this erroneous inaccurate information on my credit report to PAID ON TIME NEVER LATE within 30 days of your receipt of this notice of dispute if this information can not be validated. 

Thank you for your rapid response to the very important matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to resolve multiple negative student loan accounts on my credit report. The Credit Bureau ( XXXX, Experian, XXXX ) are neglecting to verify/validate the accounts properly to determine which ones are duplicates or original. Due to poor and lack of investigation and communication I 'm requesting that all of the closed student accounts be removed. I have one student loan account and the negative accounts that are showing as paid off are hurting my scores. Also, there is a collection agency called XXXX XXXX account that 's showing on all three bureaus that has n't been removed after failure to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank Accounts ending in XXXX and XXXX on all 3 credit bureau reports are reporting charge-off as the status under the accounts after they were settled and paid off with XXXX XXXX Bank . This is inaccurate reporting of information and I am requesting that the CFPB please have these inaccurate remarks removed from my account and updated to settled-paid as agreed.
Product: Mortgage

I needed to transfer an FHA case number from XXXX XXXX to penfed credit union since somebody who was not me applied for an FHA in the XXXX of last year the case number was still opened but they can only be 1 FHA case number at one time so penfed credit union sent me a step by step process i had the case number transfer but the case number had expired and i let penfed credit union know of this error but they still made me proceed i sent them that the transfer was complete and i pay XXXX dollars for an appraisal to get a call 3 day before my closing date letting me know that the FHA case number expired so there team could not accept it not only does penfed credit union want me to pay for there mistake also i have to push my closing date for another 2 weeks if sellers agrees to it and i also have another month of rent for my current residence penfed has not showed any accountability or any type of responsability for there mistake they are just making me pay an extra XXXX on a new FHA case number and 1 months rent for my current residence so in total penfed credit union has cost me almost XXXX dollars and has completely underminded me
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$100.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I asked for the original contract info to give to the authorities and they stated that they did not have it
Product: Credit card or prepaid card

Last month while on Synchrony Lowes credit card payment site to pay my bill I noticed a drop down box where payment options were which I had never noticed before. My checking information is present in that area. I clicked on it and saw that there was another checking account below mine that was available to pay my bill with. Problem with that is we do not have a second account. I called and spoke with them and they assured me it had to be mine as they ca n't see my account information. I called my son as he is a XXXX to my husband being the XXXX and found that he has a Lowes card as well. It was his account information on my account. He does n't live at our address nor has he since he had that account. Never has he paid his bill from our computer nor have we from his. After going back and forth and taking a picture of this I deleted his checking account info from mine. Yesterday I got on Synchrony JC Penney credit card payment site to pay my bill. Again I noticed a NEW drop down box. My son 's information is on our account on it as well. He has NEVER had a JC Penney account. I called and was assured it was n't them. It had to be our bank that went into Synchrony 's credit card sites and added their information. Really? I asked for a supervisor, spoke with her, taped the conversation, as did she. She told me she would I.T. look into it after I pressed her. I asked for a return call and she told me I would not be getting one. They do n't do that. Since then I took to social media and several others have had the same problem. This scares me.
Product: Mortgage

Sold before our 1st payment on XX/XX/22. 1st home buyer assistance they added to the loan and what we thought was a grant. Then they sold it right away. I've contacted XXXX and told goodleap it was 1sXXXX time home buyer. Said if they over pay XXXX that they would send it back. Like they aren't liable after. I'm sure we got messed over. Need some help if possible. It's like they added gov money into the refi then sold it. Thanks for your time. 

XXXX
Product: Debt collection

I have disputed both accounts multiple times as an erroneous and duplicative but the company has refused to take appropriate action to rectify the matter. This issue has caused undue hardship for me and my family and an inability to secure housing after a recent major catastrophic event ( XXXX XXXX ). 

The company retained my deposit upon agreement of termination of the lease and later added duplicative charges for the amount that was already paid to my credit file. The leasing company admitted that there was a clerical error but they have refused to address this for years. 

At this point, I am going to advice of legal counsel for damages for the breach and potentially punitive damages for their intentional and gross misconduct. These accounts need to be removed, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that were not authorized by me. I have no accounts with the creditors that performed the hard pull. I did no authorize anyone to run my credit with any of these companies. Listed below are the companies, along with dates the inquiries were ran. The companies have all been contacted and stated that they have no record of the inquiry because they do not keep files if I have no account. I have contacted XXXX XXXX and XXXX Nobody could help me remove these inquiries that are not mine. Wells Fargo 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
Product: Credit reporting or other personal consumer reports

Ive sent out letters to this company for having false information on my report and unverifiable information. They never investigate and keep it on my report as remains.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Debt collection

In XXXX of XXXX I had about XXXX missing shingles on my roof from a storm and I went to XXXX XXXX XXXX for a roof replacement. They told me how much it would cost and I received money from my house insurance because the damage was partially covered. The amount I received from the insurance was not enough to cover the full costs so XXXX XXXX XXXX recommended me to XXXX XXXX and I took out a loan with them to pay for the remaining balance. In XXXX I refinanced my house and payed off the remainder of the loan that I had with XXXX XXXX. An employee of XXXX XXXX XXXX and called me and told me to call my insurance to see if I could get more money from them and pay them the insurance money. I told him that I already paid him in full and that I was uncomfortable with that. He told me he would tell me what to say and the insurance will pay them. I contacted my lawyer and told him not to contact me again. On XX/XX/XXXX XXXX XXXX XXXX sent me to collections with Forest Recovery Services for the amount of {$1700.00}. I do not owe them any money as I payed them the full amount in XXXX with both the insurance money and the loan. I have also received a fraudulent letter in the mail soliciting money that was unmarked but I believe it is from them.
Product: Credit card

this company has violated my rights as a federal protect consumer. the have furnish deceptive information hurting my credit worthiness causing me great harm and financial struggles by not providing me with a full account ledger stating the facts of a ledge debt. along with a 1099C for the a ledge debt that was charged off.
Product: Checking or savings account

PLEASE REOPEN MY ACCOUNT. 
I NEVER CLOSED IT. 
EMAIL : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  granted me a forbearance on my mortgage and credit card, XX/XX/XXXX through XX/XX/XXXX. Unlike the agreement I understood when I applied for this forbearance, They are reporting to the credit agencies. My credit report shows increased balances on both my mortgage and a credit card ( s )  including my other accounts with other lenders. My FICO score has been reduced because of this. Not only has my work stopped because of this government nightmare Covid 19, but my credit score that I have worked so hard to build is hitting the bricks. The credit bureaus should not be allowed to record any increase in balances! This is true for my credit cards at XXXX XXXX, Navy Federal ( where I am also in the process of receiving a refinancing of my mortgage ), XXXX XXXX Credit card, XXXX 's. Please tell me who else I can write to and if there is a class action suit in process that I can join? Big banks have no right to manipulate with the credit status of individuals who are affected by a global pandemic. Who is in charge of this regulation on a Federal level? Please send me the name of the agency, and email address I can write to to file this complaint in addition to you. Thank you.
Product: Mortgage

I filed for a bankruptcy in XX/XX/XXXX and my mortgage with Freedom Mortgage company was discharged. The debt was not reaffirmed. Yet, in XX/XX/XXXX, they reported me 4 months late on my mortgage on my XXXX credit report. This is against the Bankruptcy discharge issued in XX/XX/XXXX. My attorney said that no payment history should be reported after the discharge date. This is the third time I have had to deal with this. They reported me late in XX/XX/XXXX as well along with late payments in XXXX, XXXX and XX/XX/XXXX ( the XXXX issues have since been corrected ). 

The last 4 of my SSN is XXXX. 

Their actions are adversely affecting me trying to reestablish my credit.