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

I bank with TD Bank in XXXX XXXX, Florida. In XXXX fraudulent charges were made to my account, so the account was closed and we ( XXXX XXXX and I ) opened a new account with TD. However, we were told the account would still receive deposits for 60 days and then close automatically, nothing more we needed to do. Fast forward to yesterday XX/XX/2021. XXXX and I both had our stimulus checks deposited to the " closed '' account. I went to my local branch first thing in the morning and spoke to XXXX. XXXX then called and spoke to a XXXX, who said the checks were indeed in the old account and he was move them to the new, saying I would see this change tomorrow XXXX XX/XX/2021 ). I check this morning and no deposits. I go back to the branch and talk to XXXX again, and again she calls and speaks to someone from TD. They tell her yes, it is being moved from one account to the other and would take a couple days. But then, in the same breath they tell XXXX no, it was sent back to the IRS. I spoke to a Supervisor for TD and they said legally they can not hold money in a closed account. However, even though I was told it would close automatically, it did not. It has been frozen this entire time which is why it was able to receive the deposit at all. I, just like many others, needed that money badly. It was not a closed account, I went to the bank first thing, I was given false information on several occasions, and they could have moved the funds. Even my local branch is in awe that they sent the deposits back. I want to sue for the emotional, mental and financial stress this has caused.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  A fraudulent credit card was opened using my old address. I sent XXXX proof of my correct address ( copy of my apartment lease ) during that time and all other documents they requested. They still won't acknowledge the account is fraudulent and are still keeping it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report showed a mortgage lender looked at my Equifax credit report without my consent
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Inquiries : XXXX XX/XX/year> XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> Incorrect Information : XXXX XXXX XXXX - Incorrect Employers XXXX XXXX XXXX XXXX- Incorrect Employers XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX XXXX - Incorrect Name
Product: Credit reporting, credit repair services, or other personal consumer reports

Aldos & Associates keeps changing the date on a collection from 2017 gym membership. It was for a free trial I forgot to cancel. Because I didnt renew and keep this membership they placed it into collections. This is unlawful and I can prove this issue is from 2017. The fact that I care should display character that Im being honest. Please help me remove this.
Product: Mortgage

We have become the victim of banking bonanza.Since 2008 we have tried many times to modify our mortgage to no avail and it is in foreclosure status, it is in court and we are helpless as both the debt collector and court is not doing anything to resolve the issue as we are eager to reside and keep our property.Time is going on and our debts increase as the collector does not accept payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to undergo go XXXX  XXXX and I have been to " XXXX XXXX XXXX '' and all affiliated entities with my insure information countless times over the past few years. However, every time I look at my credit they have filed yet another collection against me for the same things my insurance WOULD HAVE covered had they ever filed it with them. I do not feel I am responsible sense the debt is due to their negligence. Also, my education loans have been with a 3rd party lender sense XX/XX/XXXX & XX/XX/XXXX there should be no delequent accounts with department of ed. And last but not least, I have no clue what 90 % of the hard and soft inquiries on my credit reports are from. I do not apply for loans or credit cards like that. In fact I took out my first loan aside from the truck I got this past XX/XX/XXXX, last month. Please help me fix all this its been hindering me for far far too long. I am and have been a single mom for going on 10 years now. The ex has been locked up all this time so its just me financially and I can't do a thing with this nonsense on my credit. I've tried repeatedly to do it myself to no avail. Thank you for your time
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial protection Act ( CFPA ). Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthmore, their dispute resolution process was unfair and deceptive, and they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/XXXX, I discovered that someone opened a fraudulent checking account using my personal information at Bank of America. I have called Bank of America at least 4 times to resolve this issue. I completed and submitted their fraud claim packet on XX/XX/XXXX. On XX/XX/XXXX, a second Bank of America checking account was opened by someone else using my personal information ( I was able to close that account ). This first account is still open, allegedly " frozen, '' but I had to ask that they reinstate the freeze because it " expired '' and wait another 45 business days for them to complete their investigation prior to closing the account. In the meantime, someone is being allowed to conduct fraudulent activity using my name and personal information.
Product: Credit reporting or other personal consumer reports

ive been living in XXXX for a long time and iam a victim of identity theft i found a lot of accounts that are fraudulent and not mine and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, please remove them from my report they are farming my report and i contacted all of them and there was no response and they didn't care XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this on has 4 : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX XXXX  XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Product: Credit reporting or other personal consumer reports

I have requested that in three different occasions that each credit bureau XXXX, XXXX, and Transunion provided me with Original Level documentation from the Original creditors about the accounts reported. Neither the Credit bureaus nor XXXX XXXX XXXX were able to provide any evidence of account ownership from me, nor signed contracts where I owe XXXX XXXX XXXX any amounts at all. Hence another account was disputed because even XXXX was not able to produce such documentation.
Product: Credit card or prepaid card

TRIED TO FILE CLAIM FOR XXXX TAKEN FROM MY ACCOUNT BY XXXX XXXX  XXXX WITHOUT MY KNOWLEDGE FOR THE SALE OF 4 TIMESHARES. IVE CALLED AND WRITEN LETTERS, I PAID XXXX XXXX XX/XX/XXXX AT XXXX TO HELP ME GET MY MONEY BACK.CAN YOU PLEASE HELP ME GET MY MONEY BACK ... CAN YOU PLEASE HELP ME. BANK OF AMERICA CARD PUT ME ON HOLD EVERY TIME I CALL THEY SPEAK RUDE TO ME AND RAISE THERE VOICE TO ME AND TREAT ME BADLY. CAN YOU PLEASE HELP ME.. AGAINST BANK OF AMERICA CARD MASTER CARD # XXXX CALLED THEM XX/XX/XXXX SPOKE WITH XXXX FOR 40 MIN THEN XXXX FOR ANOTHER 40 MIN WHO REFUSED TO HELP ME.. CALLED XXXX XXXX XXXX XXXX WHO SAID XXXX XXXX XXXX  CLOSED XXXX THEN CALLED XXXX XXXX XXXX XXXX WHO SAID THEY DONT REPRESENT ME ANYMORE HOWEVER NOT CLOSED. MY STATMENTS SHOWS ON XX/XX/XXXX AT 13HRS AND 11 SECONDS XXXX WAS WITHDRAWN YET THE BANK REFUSES TO ACKNOWLEDGE.
Product: Mortgage

My name is XXXX XXXX, owner of the property at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. XXXX XXXX I got damage of my property by Hail. I claimed my insurance with an agent XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, claim service by XXXX and main insurance company name is XXXX XXXX XXXX. I was paid by my insurance company and I fixed my property accordingly. After completion of the repairing job, my mortgage service company name Shellpoint Mortgage Services called me to send their inspector to inspect the property and they sent, inspector saw the property and left with full satisfaction. After a month about Shellpoint added an amount of {$48.00} with my monthly mortgage payment as an inspection fee and I was told to pay this amount every month over my loan period of rest 29 years. 
My loan is under FHA. 
I asked Shellpoint, what is the total amount of inspection fee to be paid. They said, they do n't know and despite my repeated correspondence Shellpoint could not make clear about total inspection fee. 
Then I said, unless legal solution I will not pay this inspection fee with uncertainty. On the other side my insurance company did n't tell me anything about and I have not been asked anything by my insurance company. 
I eagerly request to have a right answer about this inspection fee, because they have kept me in complete dark. Thanks
Product: Consumer Loan

Due to a divorce, I was late with my car payments from XXXX XXXX and my vehicle was repossessed. I spoke with a customer representative and paid the amount I was told needed to be paid ( {$2200.00} ) in order to get my vehicle back and make the account current. Once I was financially stable, I continued to make my monthly payment on time through EFT ( based on due date and grace period given by Ally Financial ). In XXXX XXXX, I noticed that my monthly statement started listing late fees and I called to inquire as to where these fees were coming from. I was so concerned that I actually made XXXX payments in XXXX XXXX and XXXX XXXX, to insure I was up to date with all my payments. After numerous attempts to get an answer, I sought out assistance through a financial counselor. The counselor also attempted to call and straighten the matter out and was first told that all my payments for the past 7 months were a month late and that is where the late fees were coming from. While looking at my current statement and the payment history the company had provided me, the counselor asked customer service about my XXXX XXXX payment and was told it was paid on time and in full ( which tracking back through my payments means I am not a month behind but current on all my payments ). Customer service has never been able to fully explain where the late fees originated and my monthly statement does not show that I am behind.
Product: Checking or savings account

Someone opened a Wells Fargo checking account in my name, had an IRS tax check deposited into it, and then quickly cashed the money out. I can view physical copies of the 4 checks, so I would appreciate it if someone could try to trace who did this.
Product: Debt collection

Over the last 14 months I have asked for Validation of a medical bill Just to be told it meets FCRA.
I have tried to show that the accounts are dulicated by two Collection company 's. If the Reporting agencies remove one Collection it will sale the account to the next Collection company and at other times both Collectors will report the same account with different Reporting Agencies at the same time.
I need these accounts removed or properly validated and only one company to report it and not duplicate it. 
CommonWealth financial Systems XXXX Reporting Agency. {$880.00} Dulicated. 
XXXX XXXX XXXX. XXXX XXXX XXXX. For {$880.00}. 
Creditor is XXXX XXXX in all wrong reports. 
Thank you in advance for your help. 

Very thankful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am rewriting to complaint to AMERICAN CYCLE FINANCE about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section.

151 that unambiguously obliges a described of the modus.
Product: Debt collection

The Credit Protection Association attempted to contact me to collect a 4 year old debt. They contacted me multiple times in XXXX of 2015 over the course of a single week. I told them that I required validation of the debt they were trying to collect, and that I did not want to be contacted again until they provided that validation. They contacted me again in XXXX, and I again reiterated that I required validation of the debt and to stop contacting me because they were violating federal law. 

In XXXX ( around the XXXX ) I got a call from the original owner of the debt, XXXX XXXX XXXX XXXX. After several calls back and forth, they were able to determine that I did not owe the debt and that they would resolve the issue. 

Imagine my surprise on XXXX XXXX when, still having not received any validation of the debt from the Credit Protection Association, and knowing that I did n't actually owe it, the Credit Protection Association went ahead and reported the account as being in collection to all XXXX major credit bureaus. 

Now they are telling me that they 'attempted to send me the validation ' and that it is not their responsibility to resolve this issue. They said it will be 30-45 days before they can even get the information back from the original creditor, and that they can take no action before then to resolve their fraudulent reporting to the credit bureaus. 

This predatory collector has violated several federal laws by harassing me, failing to provide validation of the debt ( no surprise because I do n't owe it ), and fraudulently reporting to the credit bureaus.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX with transunion was reporting paid and closed now its reporting open with a balance.
Product: Vehicle loan or lease

I have a vehicle that was financed through Wells fargo. I have confirmed Im eligible for the lawsuit payout for fraudulent late fees and miss-handling of funds. The finance reports states that Wells Fargo is to pay it out on their own, but I have not received anything. Additionally I have called and went into a local branch and they act as if they are unsure of what I am referring to and blow it off Additionally unrelated to this complaint, I opened a checking account with Wells Fargo under the guise that it would get {$500.00} direct deposit after six months if I have it set up for direct deposit and deposit at least XXXXXXXX XXXX XXXX. I met all criteria and never received it. I have asked numerous times and been told I didnt meet the criteria but could not be explained how I didnt meet it
Product: Payday loan, title loan, or personal loan

Tower loan has made two hard inquiries on my credit without my consent. Once XXXX XXXX and again on XX/XX/2021. I tried to resolve with them but because my loan is late the refused to resolve the unauthorized hard inquiries on my credit. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was Charged {$160.00} on XX/XX/XXXX by XXXX XXXX and still have not received my products I ordered. 
I disputed the charges with PayPal and PayPal closed my case without resolving.
Product: Credit reporting or other personal consumer reports

UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX  business days after the date of receipt by such agency.