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

On or about XX/XX/XXXX, I received a notice dated XX/XX/XXXX about an account ( # ending in that I never requested nor applied for from TD Bank. The notice stated there was a beginning balance of {$0.00} and a {$5.00} payment transferred on XX/XX/XXXX to " XXXX and an account # -- ending in XXXX. The body of the letter stated that an overdraft fee of {$0.00} was assessed. The day prior to this, I had received credit cards ( 2 ) from this company which I already destroyed not knowing what was to come. The next day, I received a batch of checks. I tried calling this company the first day and got nowhere. They said they were transferring me to a fraud department but the calls went dead after a few minutes of being on hold. After that, I called numbers that I found online rather than from the papers they sent me. The bank itself appears to be legitimate but they have done nothing to help me. They have made no move stop this and " close '' the account. They have not verified the account. At one point, I called XXXX XXXX, the company who prints the checks that I know to be a legitmate company. I was promised that they would call this bank and inform them that I had declined the checks. This resulted in somone answering my next phone call but the bank representative merely stated that I should destroy everything and the account would be closed. 

On XX/XX/XXXX, TD Bank sent me another notice for a DIFFERENT account ( # ending in XXXX -- for which see above ). This one states that the account is overdrawn and that I owe {$35.00}. On XX/XX/XXXX, TD Bank sent yet another notice for this second account that I must deposit {$65.00} in order to clear the overdraft and avoid any additional fees. During my most recent call to them ( today ), I was told only to call XXXX and XXXX. Again TD Bank is not taking ownership of nor helping to resolve an issue that is theirs, but is happy to refer me to the companies who may be receiving bad reports from them about me. This is beyond lunacy. 

Several things to note : 1 ) I have never heard of TD Bank before this. 
2 ) TD Bank will NOT have a signature card on file for me as I never applied for any account through them EVER. 
3 ) The checks list a phone number that I have not had for over 10 years. 
4 ) One of my acquaintances has begun to receive the same type of documents from TD Bank! 

I am NOT uploading files at this time but would be happy to do so if they are needed by an agent of the Consumer Finance Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint about all three major credit bureaus. I have tried to change personal information through virtual means and have been unable to do so. The only way the process prescribes is to send supporting documents through the mail. It is the year 2020 when so many things are accomplished through digital or virtual means. It is time to be able to change one 's maiden name to one 's married name without having to send documents through the mail but instead so that they can be sent by virtual or digital means. I am complaining because Equifax, XXXX, and XXXX all refuse to change the process and emphasize that these documents can only be sent through the mail. This process needs to change because it is the year 2020 and making this more difficult for a woman who has either married or gone through a divorce should not be so ridiculously and utterly difficult.
Product: Debt collection

On XX/XX/2023, I made a payment of {$1600.00} the current balance due at the time to clear up my account and brought it current to a XXXX balance. As per the agent I spoke to that amount was confirmed and I closed the account due to the high interest rate. 

On XX/XX/2023 I received an email that I was owing a balance of {$30.00} so I called in to query what that was all about, only to be told that was interest from purchases made from the card. I tried multiple times to resolve the issue and have the company Goldman Sachs write off that amount because I was not aware of it, neither did it show up in my account and the agent that took my payment by phone was not aware of it or made mention of it. They have refused to remedy the situation and choose to put me in collection status for {$6.00} placing a derogatory mark on my credit report and flagging my account 90 days past due. No one was making an effort to correct the fault on their end, as I was not made aware of this balance at the time I was making my payment and closing the account. This account was placed on my report after the fact my account was paid up in full and closed.
Product: Debt collection

I am writing to file a complaint against Allen & Winthrow Attorney 's at Law for engaging in unlawful debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, a default judgment was entered against my ex-husband, XXXX XXXX. There is no court order in place authorizing Allen & Winthrow to collect this debt from me. Despite this, the law firm has issued two Writ of Garnishments to my former employers, XXXX XXXX and XXXX XXXX XXXX. 

These actions violate Section 1692e ( 2 ) of the FDCPA, which prohibits debt collectors from communicating with a third party to collect a debt unless the debt collector reasonably believes that the third party may provide information concerning the location of the consumer. In this case, there is no reasonable basis for Allen & Winthrow to believe that my former employers would have any information regarding XXXX XXXX ' whereabouts. 

Furthermore, these actions may constitute harassment under Section 1692d of the FDCPA. Allen & Winthrow is repeatedly contacting my former employers to collect a debt that they have no legal right to pursue. Even if the law firm believes they are owed the debt, they have no legal basis to garnish my wages without a court order attached to a judgment against me specifically authorizing them to do so. 

I have attached copies of the court order and the two Writ of Garnishments for your review. 

I request that the CFPB investigate this matter and take appropriate action against Allen & Winthrow Attorney 's at Law for their unlawful debt collection practices. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$7500.00}, {$1500.00}, {$7900.00}, {$9000.00}, {$2200.00}, {$7900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 





I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Police Report
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 a " There is a need to insure that consumer reporting agencies exercise their great responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, XXXX, CREDIT ACCEPTANCE, XXXX XXXX  are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, XXXX, CREDIT ACCEPTANCE, XXXX XXXX, any financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX, XXXX, CREDIT ACCEPTANCE, XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, XXXX, CREDIT ACCEPTANCE, XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Student loan

XX/XX/XXXX : Approved for In-School Deferment from XXXX XX/XX/XXXX : Received correspondence that a payment in the amount of {$230.00} due on XX/XX/XXXX XX/XX/XXXX : Called and spoke with a representative about this error, notified that nothing has changed with my enrollment status at the University of XXXX XXXX ( XXXX XXXX for summer semester ). Put account under review, was told not to take any action and that no new paperwork needed to be submitted. 
XX/XX/XXXX : Re-uploaded copies of emails, enrollment status from XXXX, and emailed asking for written confirmation that my account was under review and that no action was necessary on my part, and that I would not be penalized as the borrower - ex : accrued interest, negative impact on credit, eligibility for PSLF Program, eligibility for future in-school deferment, etc. 
XX/XX/XXXX : Called and spoke with another representative who stated that my account was put under review again and would put my account on a 60 day deferment based on this issue and the time it was taking to be resolved. I would see a change in my log-in notifying me of this on the FedLoan webpage in 5-10 business days. 
XX/XX/XXXX : Fedloan Servicing responds to email sent on XX/XX/XXXX, stating that their " records indicate that I was in contact with their office on XX/XX/XXXX and received assistance regarding the inquiry of your email. '' XX/XX/XXXX : Email from FedLoan Servicing reminding me that my student loan payment was due, in the amount of {$230.00}, on XX/XX/XXXX. 
XX/XX/XXXX : Log in to FedLoan Servicing account to see that new balance owed has shot up to {$460.00}. Emailed FedLoan Servicing with another request for written confirmation that my account was under review, and would not face any penalties as the borrower due to an error on the part of FedLoan Servicing. Inquired as to why amount owed has shot up to {$460.00}, when this account is supposedly frozen and under review. All statuses on existing loans on this account read " DELINQUENT ''. 
XX/XX/XXXX : Filing a complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
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 1681 ( 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 the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
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 : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have XXXX XXXX to be on my credit report XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/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: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Student loan

A month before my initial payment was due, I asked the loan servicer ( Aidvantage ) to defer two parent PLUS loans while my XXXX was in school. After I submitted the form, I was told I would get an email confirmation and decision within 14 days. Six weeks later ( and three attempts later ), I have heard nothing from the service. It has not responded to email, and its customer service " call me back '' service has no available times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I received notification from Experian that a hard inquiry was placed on my credit report. Someone applied for a credit card with XXXXXXXX XXXX  under my name. I have not applied for any credit cards recently. There is already a fraud alert and XXXXXXXX XXXX should not have allowed an application to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my first requests 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 a collections account from XXXX XXXX XXXX XXXX XXXX XXXX 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

ACCORDING TO ALERTS I RECEIVED IN XX/XX/year> SOMEONE HAS TRIED TO OBTAIN CREDIT FROM THE FOLLOWING CREDITORS : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/year> ( XXXX ) XXXX XXXX XXXX - XX/XX/year> ( XXXX ) XXXX XXXX XXXX  - XXXX XXXX, XXXX  and ( XXXX ) XXXX  - XXXX XXXX and XX/XX/year> BY WAY OF FRAUD and IDENTITY THEFT. WHEN I GOT THESE ALERTS IMMEDIATELY I REGISTERED AND SIGNED UP WITH XXXX TO PROTECT MY CREDIT. I DID NOT APPLY FOR ANY CREDIT WITH ANY OF THESE CREDITORS NAMED ( LISTED ABOVE ). I DID NOT HAVE KNOWLEDGE NOR DID I CONSENT TO SOMEONE APPLYING FOR CREDIT IN NAME AS IT WAS DONE SO FRAUDULENTLY AND WITH THE SOLE INTENTION OF IDENTITY THEFT! 

I HAVE TRIED A FEW TIMES TO CONTACT EXPERIAN AND WAS UNABLE TO SPEAK WITH ANYONE BECAUSE OF AUTOMATION AND BEING DISCONNECTED. 

I HAVE ALSO FILE COMPLAINTS WITH THE FTC DISPUTING CREDIT INQUIRIES WITH WHICH INVOLVES XXXX and XXXX. THEREFORE I HAVE DECIDED THAT SINCE I COULD NOT GET IN CONTACT WITH AN REPRESENTATIVE FOR EXPERIAN I WOULD JUST FILE A COMPLAINT WITH THE FTC REQUESTING YOUR ASSISTANCE IN HAVING THESE 4 INQUIRES REMOVED FROM MY CREDIT REPORT WHICH INVOLVES EXPERIAN AS SOON AS IT MAY BE POSSIBLE.