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

I opened an new account at TD Bank about a month ago. I deposited my paper check which was issued because I changed TD Bank to be my direct deposit bank through my job because of convenience ( well I thought ). Well that check was deposited Saturday, XX/XX/XXXX. I called and spoke with a gentleman with TD bank and asked when I would have access to my funds if I deposited my check and I even addressed to him that I just opened this account and he not once mentioned anything about a 10 day hold. So I deposited it and in thinking my check would be good in at most 2-3 days since it was a weekend. Up to this date my funds are still on hold and just like anyone else I have a family that I am responsible for cant buy groceries, pay my bills or even get gas for my transportation. So with all this and the fees accrued {$70.00} from the bank for not releasing my funds because I was under assumption it would be so I used my card to immediately get XXXX dollars ( because the same gentleman that I spoke with via phone call about depositing my check said I would have access to the XXXX dollars ) after deposit and fueled my vehicle. I think this is a very unprofessional and misleading bank they never spoke of this once while I was on the phone opening my account or the day that I deposited my check. The teller at the banks are not friendly at all, they treated me like my business was second class. I just want access to my funds. My personal bills have accumulated fees because of this. Due to the situation we are currently under no person should be put through something like this. The first time I went into one of the banks the teller told me she would call me and never did, that was Monday, XX/XX/XXXX. And that teller even verified that day with my companys bank that the check was legitimate. Then this morning XX/XX/XXXX I went to the same bank thinking they would have a record of the check clearing and she gave me the same song and dance I will call you after I verify the check with the bank! I mean this is ridiculous, how is a person supposed to feel after this. My family, my living and even no consideration of my situation of even caring about it. This bank needs to be more transparent about fees, holds, and everything. I would like the monies that has already been deducted from my supposedly held funds that they are taking and they sure didnt have any problem deducting those monies from my deposit. I wish I had NOT opened an account with this bank, seems like they are in business to take peoples money and I dont want them to do what theyve done to me happen to anybody else!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries appearing on my TransUnion credit report. These inquiries were made without my authorization and are not connected to any legitimate account or service. As such, they should be removed from my report immediately. I request an investigation into these unauthorized actions and compensation for any potential harm caused. 

Unauthorized Inquiries The following inquiries were unauthorized and/or not connected to any legitimate account or service : XXXX. XXXX XXXXXX/XX/XXXX Category : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Category : XXXX XXXX XXXX and Impact The presence of these inquiries on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Unauthorized inquiries can negatively impact my credit score and overall creditworthiness, causing undue stress and potential financial harm. 

Applicable Laws and Regulations 1. 15 USC 1681b - Permissible Purposes of Consumer Reports : Requires that credit inquiries must have a permissible purpose, such as consumer consent or a legitimate business need. These inquiries were made without my authorization or any permissible purpose.

2. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : Allows consumers to request the blocking of information resulting from identity theft, including unauthorized inquiries.

3. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

There are inquiries that I did not authorize and dont have accounts to.
Product: Credit card

Payed for the same XXXX visa gift cards at XXXX XXXX on XXXX different credit cards. The visa gift cards were accepted twice by the scanner. Manager of store said he tried but could not contact anybody to help with situation. Chase credit card did not back me on the dispute after sending pictures of receipts to them been trying to get resolve. Please help.
Product: Debt collection

On XX/XX/XXXX I received a letter from debt recovery solutions working with Pendrick Capital partners to get {$2300.00} for debt collection. They gave me the option to dispute the debt by XX/XX/XXXX. I selected this is not my debt and I sent it back. On XX/XX/XXXX I received another letter from debt recovery solutions that said I had 30 days to contact the office while they had it on hold to move forward. It included random codes with charges amounting to {$2300.00}. They also included an address I had as a child and havent lived at for over 15 years. I called debt recovery solutions on XX/XX/XXXX and the gal said that it wasnt in their system and it was with Pendrick Capital partners. I know the debt is not mine as the date they are using is for a medical procedure that was covered in whole XX/XX/XXXX.
Product: Debt collection

I recieved a letter to avoid garnishment. I answered followed the directions and remitted payments. No one wants a garnishment. I never received an itemized bill. Dates of service or anything even showing me how or why I owed this debt I made XXXX dollars in payments and they got a garnishment for XXXX when the debt was only XXXX in the first place. I should only owe about XXXX dollars. They stated when I called today that I failed to answer if I made a payment in XXXX and XXXX how did I fail. I have receipts for these payments. All they did was lie and tell me I could avoid garnishment to obtain my employer information to garnish me. They just flat out lied. I mean I know its common practice to do what you have to but for a medical bill I obviously couldnt afford in the first place is just wow. I was also not told I could dispute the debt because, i was told pay or be garnished.
Product: Credit reporting or other personal consumer reports

I have been communicating XXXX regarding my loan prior to XX/XX/XXXX XXXX XXXX, XXXX. A representative disclosed to me today that my loan account was charged off on XX/XX/XXXX due to XXXX  months of non payment. 
The representative XXXX told me that my loan has been charged off since XX/XX/XXXX because XXXX  months starting XXXX XXXX XX/XX/XXXX they received no payments from my employer which is inaccurate. 

The reporting of this account is inaccurate and violates my consumer rights to fair accurate reporting under FCRA XXXX. 
It also goes against the Fair Credit Billing Act I have made payments consistently through financial allotments from my employer and I have questioned XXXX several times regarding the accuracy of my account balance and reporting of my account. 

I have tried to resolve this issue with XXXX diplomatically and yesterday XX/XX/XXXX a representative from your office has brought it to my attention that funds of over {$2700.00} were in the bank and I needed to contact XXXX to release the funds to XXXX. 
He texted me the number to call XXXX and they wired over the sum of {$2700.00} to XXXX XX/XX/XXXX. I was never told that my account was charged off or late during this time as well. I was told that my account was current and they did not report me as late to the credit bureaus. 

I was never notified in writing or via email or even verbally that my account was delinquent and now my I am being told that it has been over a year and my account was charged off in XXXX but never reported as such. 

Not only has XXXX been stealing my money they received a transfer from the bank yesterday XX/XX/XXXX is the sum of {$2.00}, XXXX that the bank has been collecting for the allotments. This is not being reported to me or the credit bureaus as well. 

I was told that my account is eligible for a refinance of {$10000.00} after XXXX more payment is made yesterday when I spoke to a representative. 

There is clearly a communication issue with XXXX as well as unlawful conduct fraudulent practices and billing misconduct by XXXX and the staff in their office. The account has been reporting as current even after the alleged charge off date of XX/XX/XXXX. I have attached the reporting scale below.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX  XXXX - XXXX, Exeter Finance XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

I have two car loans with Credit Acceptance. One loan has been opened since XX/XX/XXXX and the other since XX/XX/XXXX. I have always paid my car loans either on time or EARLY. I had just moved and started a new job so I am a total of 3 days late on my current payment. In two days, I have received over 11 calls from credit acceptance telling me to call them regarding my loan. I answered this morning and the man I spoke to was demanding a payment today when I told him I just started a new job and my payment wouldnt be until next Saturday he continued asking me my pay schedule. I expressed my upset with the man due to the amount of calls Ive been receiving as Im trying to work and my phone keeps going off at work and I keep getting in trouble. The man then THREATENED to send me to collections for a payment that is 3 DAYS LATE and stated that the next day after a payment is late it gets sent to collections! I am beyond livid and extremely upset with the fact that they can treat their customers this way! This will be reported to the XXXX as well as a horrible review left on XXXX! This is TERRIBLE customer service!
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} 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 Balance : {$1100.00XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim the identity theft report is valid. And lastly, I contact the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. 

But for some weird reason Experian feels Im not following all the steps. I have knowledge of the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with Experian, Im at wits end. Ive filed complaints against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. 

Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally am losing my mind because I have no other recourse Please remove these accounts from my records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted NUMEROUS online disputes to Experian, Equifax and Transunion regarding the differing balances on my credit reports.

Not ONE time have I received any physical proof of any investigation being done on these accounts. 
Just a statement saying that the 'debt has been validated '. 
I am not questioning the validation of the debt. I am questioning why all three credit bureaus have differing amounts due for ALL derogatory accounts!! 

For example. The file I have included below from XXXX XXXX on Experian. How can the original balance be {$2300.00}. They wrote off {$1800.00}. And now I owe them {$4300.00}!! 
On another credit bureau, I only owe {$2300.00}!!!! 

Please assist in this matter. The credit bureaus don't care!!!
Product: Debt collection

Repeated calls at night threatened me with arrest at my work. Harassing language said someone would come to my work to arrest me
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently discovering my credit had been compromised- AGAIN, I informed this company I have been a victim of Identity Theft 3 times, on the dark web twice, as well as a victim of the XXXX  Breach . Someone opened accounts and made inquiries using my information. There were numerous names, SSNs, and addresses used for this purpose. I have been fighting this issue for quite some time. They have removed the majority of names and addresses but still report the accounts and inquiries. 

It is costing me my credit worthiness, as well as business opportunities.
Product: Debt collection

I have made may attempts to get this XXXX XXXX XXXX XXXX  Account removed from my credit file. I have provided Equifax with FTC Theft report and Equifax have failed to remove this account from my credit file.
Product: Consumer Loan

As you know, my car was repossessed XX/XX/XXXX. It was a XXXX Toyota Yaris fiinanced through Regional Acceptance. Today I received a letter from them stating that the car was auctioned off and want {$9000.00}. from me. I will not pay for a car I no longer have. Now, my question is this .I have a part time job, can my salary be garnished? Also, I am financing a car from a dealer in a different state. Can that car be repossessed? I just want these people to leave me alone. They got their car back. What more do they want & gt ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I am absolutely sick & XXXX tired of seeing the same, unchanged collection account reported month after month after month, dispute after dispute after dispute. Every time they say that its validated and I'm here to tell you that it is not, this is XXXX XXXX! XXXX, Equifax XXXX XXXX you're all liable for this too. If you'd do your jobs and complete a thorough investigation the 1st, 2nd, XXXX any time I dispute something, but no that's too much work, XXXX, it's like pulling teeth with all of you. Mentally, I am pretty XXXX far from okay. This is my life! Ya 'll tarnish my name and stomp on my rights. I am an American Consumer and I know my rights, the XXXX  stops here ya 'll, and I'm done playing this game. Consider this your last & final warning before I file a complaint with the XXXX XXXX account : XXXX XXXX  # XXXX XXXX XXXX, Look, I've got you checked, mates ; I've got all the proof I need to easily win. I'm not just asking for the minimum here either. I will seek emotional damages as well. I'm a XXXX  well rehearsed in consumer law and I am not playing around with this game anymore. I will file the complaint in U.S. District myself, and I will demand a jury trial. I'm filing this complaint at XXXX, Wednesday evening of XX/XX/2023. Just remove the account and I won't proceed with filing a case. XXXX, Equifax, and XXXX This is on you too. Don't think I haven't been building separate files of violations from you too. XXXX. CFPB- please feel free to pass to whoever, AG , FTC whomever. I'm keeping a copy for my own records.
Product: Money transfer, virtual currency, or money service

CFPB XXXX FDIC XXXX. 
DEAR SIR THIS LETTER WAS SENT REGULAR MAIL TODAY TO ASCERTAIN THE FACT I WAS NOT A RESIDENT OF MASSACHUSETTS AND CITIZENS BANK IS REQUIRED TO RESEARCH THIS A.T.M.FACT, AND THEREFORE I WAS NOT A TAX RESIDENT ALSO. ILLEGAL TRANSFER OF FUNDS. UNDER THE UNIFORM ENFORCEMENT OF FOREIGN JUDGEMENT ACT, ANOTHER STATE TAX AGENCY CAN NOT COLLECT FROM A SECOND STATE. I WAS NOT A RESIDENT OF MASSACHUSETTS   FOR ALL OF XXXX, XXXX ( only XXXX XXXX, XXXX after citizens bank would not send me a bank card to the UNITED STATES EMBASSY ( XXXX ) who gave me permission and who can verify the fact i was  devistated, and had to return to the u.s. and i stayed in the s h e l t e r -- not a tax resident for XXXX ) NOT A RESIDENT FOR ALL OF XXXX, ALL OF XXXX, ALL OF XXXX I C AN GO BACK AS FAR AS XXXX WHEN I DID RESIDE IN A WEEKLY MOTEL ... NOT A RESIDENT FOR TAX IF YOU RESIDE IN A WEEKLY HOTEL ... ANY WAY, FOR THE LAST 5 YEARS I WAS THERE ALMOST ZERO DAYS. IF ANYTHING THIS STATE OWES ME MONEY. MASSACHUSETTS   DEPARTMENT OF REVENUE XXXX BELIEVED ME AND SAID TO REQUEST THE TAX PREPARER, XXXX -- THE TAX PREPARER XXXX XXXX HAS BEEN REQUESTED TO SEND THE INFORMATION -- HE EVEN SAID I ONLY OWE FEDERAL TAX, NOT STATE. EMAIL ADDRESS -- XXXX -- -NAME, XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX ma . XXXX I DID NOT OWE STATE TAX AS HE ALSO KNOWS. I WAS OUTSIDE OF THE U.S. FOR MOST OR ALL OF THIS TIME. 
THE TAX PREPARER ALSO DID NOT RESEARCH THE FACT ( ascertained by u.s. tax preparers across the ocean in the e.u. ) I AM QUALIFIED FOR THE FOREIGN TAX CREDIT FOR SURE. ACCORDING TO MASSACHUSETTS TAX AUTHORITY, THE TAX PREPARER FILED THE ERRRONEOUS ERROR FORM ... .ANY WAY, THIS IS ALSO FACT THE CITIZENS BANK IS REQUIRED TO RESEARCH THE FACT ALSO - I WAS NOT A RESIDENT OF THAT STATE .... MY ADDRESS IS XXXX XXXX XXXX, XXXX XXXX,, RHODE3 ISLAND XXXX. 
YOU ALSO HAVE ACCESS TO THE A.T.M. MACHINE FACT I WAS NOT A RESIDENT OF THE STATE. THE BANK IS LEGALLY REQUIRED TO RESEARCH AND INVESTIGATE THE FACT AND REPLACE THE ILLEGALLY WITHDRAWN MONEY ... THEN THERE IS ALSO XXXX INVESTMENTS WHO WOULD NOT ALLOW ME TO UPDATE MY ADDRESS, WHO DID WITHHOLD MASSACHUSETTS TAX FOR AN INHERITED I.R.A. REQUIRED DISTRIBUTION. XXXX TOOK A FALSE COMPLAINT, WE BELIEVE FROM FORMER EXECUTOR ATTORNEY, WE THEN WENT TO XXXX. WHO REQUIRED XXXX TO DO XXXX   TRANSFERS OUT OF XXXX TO ANOTHER BROKERAGE INSTITUTION. 
XXXX MIGHT BE THE REASON FOR SOME OF THIS. ERRONOUS ILLEGAL FILINGS CAUSING THE ILLEGAL WITHDRAWAL OF FUNDS. IF THIS COMPLAINT IS HELPFUL TO YOUR WORK, THEN YOU MAY PUBLISH IT .... ONLY IF MY NAME IS DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  dismissed chapter  XXXX  cases on my credit report. Upon filing the latter  Chapter   XXXX  case, I included  XXXX  creditors on my form to the bankruptcy department. I later decided not to go through with the bankruptcy and received a voluntary dismissal. All  XXXX  credit bureaus have listed these bankruptcies as dismissed. I disputed both accounts with all  XXXX  credit bureaus and have been told that because the accounts were reported in my dismissed bankruptcy filing I can not dispute the creditors.   The creditors could easily verify that I did not go through with the bankruptcy and investigate my dispute. Instead I am being punished by having the dismissed filing and having to wait 7 years to remove and not being able to dispute these  XXXX  collection accounts.     I HAVE SENT COUNTLESS LETTER S (  TRACKED ) TRYING TO GET THIS RESOLVED TO NO AVAIL. THE CREDIT BUREUAS ARE ALLOWING CREDITORS TO REPORT THAT I AM NEGATIVE EVERY MONTH EVEN THOUGH THEY SAY I AM CURRENTLY IN A BANKRUPTCY PROCEEDING.
Product: Credit reporting or other personal consumer reports

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. 

1. Wellsfargo card Account closed on XX/XX/XXXX 2. XXXX XXXX Account closed on XXXX XXXX, XXXX 3. XXXX XXXX XXXXXXXX Account closed on XX/XX/XXXX 4, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX, XXXX 5. XXXX XXXX Account closed on XXXX XXXX, XXXX 6. XXXX XXXX Account closed on XX/XX/XXXX All late payments on these accounts started when the covid-19 pandemic started. I did not receive any notification for payment. I would like for you to remove these accounts off of my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX {$2100.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$690.00} Opened : XX/XX/XXXX These accounts are involved in litigation. 

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715, 719. I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX XXXX XXXX XXXX ( Acc # XXXX ), Account name : XXXX XXXX XXXX XXXX XXXX XXXX  ( Acc # 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 an 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.