23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I had a personal loan from TD bank, that I had set up auto payments from my bank account. For various reasons last   XX/XX/XXXX  I had asked to have the bank account # that the payment was being auto debited from  changed to another account, as I planned on closing the current account.
 On   XXXX   XXXX  , 2016 I received confirmation that the automatic payments was set up to pull out of the new account#, however even though I received the confirmation that the payments were set up to pull from the new account, the payments were still trying to debit  from the old account# thus causing me  to be delinquent. I was advised from the banker that was helping me to go in a branch and make the payment or to mail it because she couldn't guarantee that the payments would pull correctly so just to make sure I should make the payments in person. This was causing me to either make double payments, because I never knew when and what their system would actually do.
 After numerous calls, email, letters, repeatedly to attempt to fix the problem, I was assured everything was fixed, however I continued to receive a past due notices  EVERY MONTH TILL TODAY, which concerned me as I knew I had made all necessary payments. I made many calls, and expressed my concern and worry that my credit would be impacted, not to mention I was concerned there were no fees charged, but I was told, NO LATE FEES< AND NO LATED PAYMENT HISTORY....! 
After several months of the delinquent notices, again I had concern  something just wasn't right, so I called again, and this time, the person I spoke to finally admitted to me that I had in fact been charged late fees and it was showing as being delinquent.  How upset do you thing I was???
After speaking with 5-6 more TD employees, the final word was that somewhere in all the chaos they were showing one payments was not made in   XX/XX/XXXX , months late r, now, event though I know all the payments were made. I attempted to get all my old records, however, the bank I had my account with was sold, and the new bank was requiring a $ XXXX  research fee to give me my record.  
No need to tell you how angry I was, and at this point I had enough and all I was going to take from this terrible nightmare, and not to mention all the time I have spent with all this back and forth, I was done at this point. I continued to call and demanded that all my funds be refunded, and if my credit was impacted, I would be hiring an attorney and I had every intention in pursuing this, but at the end of the day I just want all my fees refunded and I would pay off the loan and be done with all of it,, however, they are now not returning $ XXXX  in fees just because they feel they can. I work in the   XXXX   XXXX  , and never , ever,  have I  seen a customer been treated they way I have from TD Bank.
Product: Money transfer, virtual currency, or money service

I was not able to deposit my money from XXXX  to my PNC account. 

Connection issues.
Product: Debt collection

I don't recall having a contractual relationship with this collection company XXXX. SYSTEM, INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt collectors are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit card or prepaid card

I have had my Bluebird American Express account for a few years now and on XX/XX/XXXX tried to use my card and found out I was locked out of my account so I tried several times to call customer service and continue getting hung up on followed by a recording that states Im permanently suspended!! Please help I have written to them tried contacting them to just get the money that had been direct deposited into my account and money I had in my remaining balance sent to me by check but I havent gotten a response or anything from them!!! I also noticed I had received two emails one one XX/XX/2020 that stated I changed my password which I did not and another stating that I changed my email address which I did not and for me to confirm these changes which I didnt and to call the customer service number which I cant get through too!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not provided written instructions for the listed creditors or any entity to furnish information on my consumer report, which could potentially be a violation of 15 USC 1681b. The Credit Reporting Agency 's actions have caused significant stress and XXXX, raising concerns about potential violations of the Fair Credit Reporting Act, such as 15 USC 1681 Section 602 and 15 USC 1681 Section 604a Section 2. Additionally, 15 USC 1666b mandates that a creditor must not treat a payment as late unless reasonable procedures ensure timely delivery of periodic statements.
Product: Debt collection

Specialized Collections is reporting multiple inaccurate collection accounts on my credit reports. I am not familiar with these accounts and have reached out to them to get documents concerning these accounts as well as validation of debt to resolve this issue. I have not heard anything back from them and I know that per the consumer laws it is illegal for them to ignore my request to dispute this information. These accounts should be deleted from my account now!
Product: Checking or savings account

I made a purchase from XXXX and was charged more than expected so i decided to cancel the order. They issued a refund on XX/XX/XXXX. I can see it was sent on the customer account.The bank keeps saying they have not received the refund. I filed a dispute with the bank. Then on XX/XX/XXXX another refund was issued. I still have not received my funds from the merchant and it has been sent to the bank twice.
Product: Money transfer, virtual currency, or money service

I am making a complaint because There was XXXX made incorrectly to a person and when I spoke to chance bank, they said I couldnt do anything else since I had sent the amount myself. But I wasnt give. A warning or confirmation of whom I was sending it to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Disputed account # [ XXXX XXXX # XXXX ] XX/XX/XXXX XXXX and TransUnion is claiming they investigated what I have disputed about late payments : however, they just sent a copy of my consumer report thinking I am stupid enough to accept that as confirmation a of an investigation. I request deletion of the late payments from XXXX and XXXX. Attached is the last letter I sent them.
Product: Credit reporting or other personal consumer reports

I applied for XXXX credit card on XX/XX/year> and received a hard pull. The company was XXXX. Then on XXXX XXXX I received another hard pull credit check from this XXXX  company stating I opened a credit card but I didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account nameXXXX XXXX XXXX XXXX XXXXXXXX Account name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with XXXX, XXXX and Experian, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX XXXX Acct # : XXXX Amount : {$620.00} XXXX XXXX XXXX Acct # : XXXX Amount : {$21000.00} XXXX XXXX Acct # : XXXX - {$300.00} Incorrect Addresses to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, a direct debit for {$100.00} was made from my bank to Continental EXC XXXX XXXX for XXXX XXXX XXXX. XXXX XXXXXXXX XXXX is supposed to deposit the amount converted to XXXX to my recipients bank account in the XXXX on XX/XX/2021 to be available XXXX XXXX. 

The amount was never deposited to the recipients account. After talking to XXXX XXXX XXXX, I was told to contact my bank to initiate a fund recall which I told my bank by phone and email. XXXX XXXXXXXX XXXX sent me an email to ask the bank to initiate the process which I forwarded to the bank. 

After talking to XXXX XXXX XXXX and my bank several times, my bank kept saying they can not do a fund recall and that XXXX XXXX XXXX  should refund the money back to my account. 

XXXX XXXX XXXX is saying they can not do the refund until the bank starts the process of recalling the funds. 

Several phone conversations with both the bank and XXXX XXXX XXXX saying the same thing about the other side.
Product: Debt collection

The amount of debt in inaccurate. I asked for proof of debt and I never received anything. This company calls my friends and family. ( Jefferson capital system )
Product: Debt collection

On XX/XX/XXXX, I accepted and cashed a check mailed to me from Tower Loan in XXXX, IL in the amount of {$4000.00}. On XX/XX/XXXX, I went into the office located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and I made my first payment, via cashier 's check, in the amount of {$300.00}. 
On XX/XX/XXXX, I went into the office located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and I paid, via cashier 's check, the remaining balance of the loan IN FULL an amount of {$3900.00}. 
Now I receive calls from Tower Loan daily. They have called relatives, friends, neighbors, and associates to collect a debt that is already paid. I have made copies of all my documentation and receipts and mailed them copies via certified mail. I have let them know I do not owe any debt and also that if there is any discrepancy to please send documentation via mail. They have not done so as of XXXX, XXXX, XXXX.
Product: Debt collection

Subject : Urgent Demand for Investigation and Resolution of Fraudulent Accounts and Inaccurate Credit Reporting To Whom It May Concern, I am writing to you as a victim of identity theft and a distressed consumer who has encountered significant barriers due to the negligence and noncompliance of your organization with federal consumer protection laws. Despite my diligent efforts and the clear provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, the fraudulent accounts opened in my name have not been addressed appropriately, causing substantial harm, including the inability to secure housing for my newborn daughter and me. 
As previously communicated in my letters sent to your company dated XX/XX/2022, accompanied by a comprehensive identity theft report, a detailed list of the fraudulent accounts, and a signed affidavit, these accounts were opened without my authorization. The documentation provided should have sufficed to initiate an immediate investigation and removal of these erroneous entries from my credit reports as mandated by the FCRA. 
However, it has been nearly a year since my initial report, and the lack of action from your side is not only disappointing but also in direct violation of consumer protection statutes. The persistent inaccuracy in my credit reports has unjustly tarnished my financial reputation, causing undue stress, barriers to essential services such as housing, and jeopardizing the well-being of my family. 
Therefore, I request that the following actions be taken immediately : 1. Investigation and Removal of Fraudulent Accounts : Conduct a thorough investigation into all disputed accounts and remove any fraudulent or inaccurately reported information from my credit file promptly.

2. Confirmation of Actions Taken : Provide written confirmation of the investigation and the steps taken to rectify my credit report. This confirmation should include a detailed account of the fraudulent entries that have been removed.

3. Consumer Law Compliance Review : Initiate an internal review of your organizations practices concerning consumer rights and the FCRA compliance to prevent such negligent incidents in the future.

Please take this matter with the utmost seriousness it demands. The wellbeing of my family is at stake, and your immediate action is crucial in rectifying the wrongs that have been done.

I expect a prompt response, acknowledging the receipt of this letter and outlining the steps you will take to resolve this matter urgently.
Product: Checking or savings account

I am a XXXX, XXXX  and XXXX XXXX of XXXX XXXX XXXX XXXX. On XX/XX/2023, I opened a business account with Chase Bank at the XXXX branch in XXXX  and deposited a check from a business client for approximately {$70000.00}. The check was accepted by Chase. But the following day I received an electronic email from Chase stating my account was restricted due to a check deposit. I immediately went to the bank branch where I opened and saw the branch manager in order to resolve this matter. I was told to provide a phone number for the business that issued the check, which I did but I was told that the number provided could not be verified by Chase in their system. First Chase keeps telling me that they need to verify if the check is valid but they check was paid by the issuing bank and they business that paid me the check has never disputed that the check was fraudulent or filed a claim dispute saying that the check was not valid. And more over the funds where made available but the funds were held. I have been to the branch several times to and provided Chase with what the requested to have my fund released and sent to me. This matter has been going on for over seven months and it's has put my business and income at risk due to Chase putting undue burden on me in order to release my funds. Please I need help in resolving this issue because has been holding my funds hostage.
Product: Checking or savings account

Hello, This complaint is being filed due to Wells Fargo customer care lying to me about the funds that were placed into my Wells Fargo Checking account and then removed would be credited back. I have yet to receive or be refunded the amount owed to me. The amount of the refund is {$1300.00}. 


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

This is in regards to my Capital One Auto finance loan. Currently my credit reports this loan as a charge off. I have contacted all 3 credit bureaus and Capital One to resolve this issue. The matter has not been satisfactorily resolved. The car loan agreement was for 72 months to finance the amount of {$12000.00} starting on XX/XX/XXXX. The car was involved in a car accident on XX/XX/XXXX and the insurance company, XXXX XXXX, deemed the car as a total loss. I continued to make monthly payments on the loan and I paid the lienholder, Capital One, in full XX/XX/XXXX, which is well within the terms of the contract. I have attached a couple documents from Capital One to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I was not a person who believes in using credit cards and I always used debit as a primary payment method. Until recently my wife and I are planning on buying a house, so I checked my credit report and realized I have been a victim of identity theft for many years. I found two fraudulent accounts, one is a charge off from Bank XXXX XXXX in the amount of {$11000.00}, the other is an account in collection by XXXX XXXX XXXX originated from XXXX in the amount of {$4500.00}. Additionally, there's also two fraudulent hard inquires from XXXX XXXX and XXXX. 

It is a grave mistake on my part to not close guard my credit as seriously as I should, until it became a giant road block on my path to finally become a homeowner and realizing my American dream. Identity theft has put me in a very tough situation, I hope we can get the fraudulent activities off my credit report as soon as possible. 

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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Debt collection

This letter is written verification that Im a victim of identity fraud. The person I believe who is committing the fraudulent activity is my ex spouse. He admitted to the police that he made these charges and the case is pending at the prosecutor 's office. You can contact them or the detective to investigate this. I have received multiple letters stating I had an outstanding balance with purchases I have never made. I spoke to the companies sending me the letters and the address they most recently had on file is XXXX XXXX XXXX, MO XXXX. That at the time was my ex spouse address. I have never resided at that address. At this time when the delinquent accounts were being sent to me in mail, I wanted to create a XXXX XXXX account. I couldnt because my social security number was set under an email that was his email. I had to reach out to XXXX XXXX to release that account and it was fraudulent. When I created my account his address XXXX XXXX XXXX, MO XXXX was reported on my credit report and as I stated above, I have never lived in that house. Some of the transactions on the accounts were happening in XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX. Again, I have never used these cards, opened this cards, given permission to any one to open these cards or had them in my possession. Provide me a copy of the credit application and payment history ( ie checks, bank account info, etc ) if you think this belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint to block information identified as identity theft and there is information that is still not blocked. I filed the complaint with XXXX, and Transunion on XX/XX/2022, and with XXXX XX/XX/2022. The complaint numbers are : XXXX, XXXX, XXXX. The companies have removed some information but there is still information as a result of identity theft on my report. DO NOT FILE A DISPUTE ON MY BEHALF. As this is not a request to dispute, this is a request to block information on my consumer report. 

I have called countless times to resolve this matter and only small success. The companies do not have my consent to report anything on my consumer report. I will attach the original FTC report and documentation.
Product: Debt collection

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Flagged my account as collections for the amount of XXXX This amount was charged off about 2-3 months prior to this showing up. For a 7 and a 1/2 year old debt with ( speedy cash ) This company is trying to collect on a charged off account! 

Speedy Cash is also responsible for Selling this account to them after the charge off date.
Product: Credit reporting or other personal consumer reports

For a number of years, I have made repeated reports regarding the presence of accounts on my credit report that actually pertain to my XXXX  sister. It is a matter of concern as we share similar names, have the same date of birth, and our social security numbers are very close. Furthermore, our signatures bear a striking resemblance to each other. I am unsure if this is an intentional case of identity theft or if there has been an accidental mix-up where educational institutions accessed the wrong records. 

Regrettably, I have not been in contact with my XXXX  sister for many years, hence I am unable to verify the origin of the discrepancy. Consequently, I am formally presenting a request for the removal of these accounts from my XXXX and Experian credit reports, a request I have been making for approximately ten years.