23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I HAVE ADDRESSED THIS COMPLAINT AND PRIOR TD BANK COMPLAINTS WITH XXXX XXXX 'S OFFICE TO ENSURE THIS IS HANDLED. 

TD VISA ACCOUNT XXXX XXXX XXXX XXXX. OPENED XXXX AND CLOSED XXXX. YES 3 WEEKS. {$15000.00} CREDIT LINE. THIS ACCOUNT IS NOT IN RECOVERY, NOT BEHIND IN PAYMENTS. BALANCE TD IS CLAIMING. {$380.00}. OTHER HIDDEN INTEREST PAYMENTS ADDED TO MY STATEMENTS. INTEREST KEPT BEING ADDED AFTER NOT ACCEPTING THE PAYMENT FOR 6 WEEKS. 

TD LINE OF CREDIT ACCOUNT XXXX OPENED XXXX AND THIS MUST BE CLOSED AS I HAVE NO ACCESS TO THE {$10000.00}. SHOWING OPEN ON MY CREDIT REPORT BUT NO ACCESS TO THE CREDIT LINE. BALANCE TD IS CLAIMING. {$810.00} TD VISA WAS PAID WITH A THIRD PARTY BANK CHECK OF {$1900.00} WAS MAILED ON XX/XX/XXXX BY XXXX XXXX XXXX. FOR SIX WEEKS I CALLED OVER AND OVER. I ALSO CALLED TWO BANK EMPLOYEES AT TWO DIFFERENT BRANCHES. I ALSO CALLED THE CURRENT XXXX XXXX   MANAGER THAT OVERSEAS THE BRANCHES. I HAVE RECORDED CALLS, DATES. THAT BEHAVIOR WILL CLEARLY SHOW HOW POORLY THIS BANK IS RUN, THE SABOTAGE TO TRY AND RUIN MY VERY GOOD CREDIT. I HAVE EXTENSIVE CREDIT AND DO NOT HAVE ONE ISSUE WITH ALL CREDIT LINES WHICH ARE FAR MORE THAN THESE CREDIT LINES. THIS IS NO FAULT BUT THE SHEER SPITE WORK OF TD BANK. TD KEPT THE CHECK THAN DECIDED AFTER SIX WEEKS SINCE FIFTH THIRD BECAME INVOLVED THE CHECK WAS REJECTED ON XX/XX/XXXX. ELECTRONIC PAYMENT WAS COMPLETED FOR ANOTHER {$1900.00} ON XX/XX/XXXX FROM MY FIFTH THIRD CHECKING ACCOUNT AND DONE BY A THIRD PARTY WHO HAS BEEN INVOLVED AS A NON ACTING ATTORNEY TO TRY AND FUSE THE MATTER. 

CONSUMER AFFAIRS HAS DISPUTED BOTH BALANCES WITH THE CREDIT BUREAU 'S. TD CONTINUOUSLY VIOLATES BANKING RULES. I HAVE ALSO REACHED OUT TO REP. XXXX XXXX 'S OFFICE. TD EXPLOITS, CREATES SET UP FOR FAILURE FOR THE CONSUMER TO GIVE UP AND PAY! 

MY LOAN STATEMENTS WHEN I LOG IN DOES NOT PROVIDE A PROPER FINANCIAL STATEMENT WITH INTEREST PAID MONTHLY OR DAILY. I HAVE ASKED FOR THIS FOR FROM DAY ONE. HOW MUCH IS MY DAILY INTEREST, MY MONTHLY INTEREST. I WANTED THIS MONTHLY. I REQUESTED THESE STATEMENTS BE MAILED TO THE PO BOX THAT THE ATTORNEY SET UP. I NEVER RECEIVED ANY INFORMATION I ASKED FOR. I RECEIVED ONE LETTER WHICH SPEAK IN VOLUMES ON THE LOW LEVEL OF INTELLIGENCE AND INCOMPETENCE ON A CONTINUOUS BASIS. I HAVE PAID {$6000.00} A HEAD OF SCHEDULE ON XX/XX/XXXX. I WAS TOLD I AM NOT ALLOWED TO MAKE FUTURE PAYMENTS! THEY KEPT THE {$6000.00} AND STILL CHARGING INTEREST THAT IS NOT BEING APPLIED TO PRINCIPAL. THE LETTER STATED I WRITE ON MY COUPON BOOKLET " APPLY TO PRINCIPAL '' SURE, WHEN I MAKE AN ELECTRONIC PAYMENT I WILL BE SURE TO ADD MY COUPON! NOTE. TD BANK WILL NOT TAKE MY PAYMENTS IN AT ANY BRANCH AND ALSO BY POST. THIS IS VIA THIRD PERSON WITNESSING THIS. ALSO BY POST.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please REMOVE the reported non-compliant claim from the data furnisher of XXXX for account # XXXX ...., XXXX XXXX for account # XXXX ...., it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX .... & # XXXX ...., lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times  GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I request my free Annual Credit report at Annualcreditreport.com and provided a copy of my drivers license and proof of address. XXXX and XXXX both provided me with copies of my credit report, but Equifax has refused to provide me with a copy stating the company couldn't locate a credit file with the identification number that was provided. Initially, XXXX refused to provide me with a copy on XX/XX/year>, and accused me of using a credit repair company, although I provided a copy of my drivers license and proof of address. I will attach copies of those stall letter to this complaint. Lastly, I disputed the accounts with XXXX XXXX and XXXX XXXX. Neither collection agencies have provided me with documentation proving that they have the legal right to collect from me. I'm requesting a reinvestigation. Both creditors have violated the FCRA.
Product: Debt collection

XX/XX/2019 -- - Signed one year lease. 

XX/XX/2019 -- - failed to disclose 3rd party and fees. 
Receipt from 3rd party. 
Attachment XXXX MOVE OUT STATEMENT A. Attachment XXXX. 
1. Charged for utilities twice. I paid utilities directly. 
( a ) Attachment XXXX 2. Charged for smoke damage. 
( a ) I lived there for 8 years and cooked everyday.
Product: Credit reporting or other personal consumer reports

The company fail to conduct proper investigation and engaged in unfair practices by not providing clear detail information about why the result of their investigation. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I recent saw the CFPB Experian lawsuit and feel I was negatively impacted, ruining my changes at credit after receiving a response to my early dispute that the accounts were " verified ''.
Product: Money transfer, virtual currency, or money service

I have an paypal account and I havent used it but twice. XX/XX/2021 I tried to use the app and was told my account was restricted. I have to provide a copy of my ID and Debit Card. After that I was told they were going to close my account because I did something that violated terms. I havent use this service. I have been using XXXX XXXX however a few family members still use paypal. I just want to know what is going on because paypal will not answer when I call regarding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Equifax on the phone to dispute it. Told them I talk to the company and its fraud.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX * Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX **** Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX/XXXX/2023
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 I submitted a report about me informing XXXX  XXXX, XXXX, and goldman sachs of my decision to exercise my rights under the provisions of XXXX XXXX XXXX of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information. 
As a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the XXXX, to protect my privacy and information security. 
I kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented. These companies are still reporting charge-offs on my report even though I am using the law and exercising my rights
Product: Credit reporting or other personal consumer reports

Hard Inquiries on my report Dated : On XX/XX/XXXX XXXX Freedom Mortgage XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Freedom Mortgage Corp I did not Allow or Acknowledge these Hard Inquiries on My Credit Report
Product: Vehicle loan or lease

On XX/XX/2017 I leased from XXXX in Indiana, paid the down payment, in additional the shipping fee, with an understanding of delivery for the specific purpose of the leased motorcycle. As of XX/XX/2017, I haven't seen or been delivered the motorcycle, in other words I haven't taken delivery of the product. On XX/XX/2017 at XXXX XXXX. XXXX related a threat of action against me for cancellation of shipment not received, and cancellation of contractual obligation having not be consummated by mutual consideration, by threatening repossession, in order to have repossession, you first have to have possession. XXXX stated in email that the threat was by motolease, a motorcycle leasing company, and that motolease would repossess the motorcycle from the shipper, and thereby require that I pay for it, even though I have never taken possession. That's a threat they can't offer, because again, you can't repossess what hasn't been in ones possession. Additionally within the contract, XXXX as required didn't collect South Carolina taxation , title, and registration fees, in such the bike isn't even registered in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act, the last of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c. 1681 XXXX XXXX XXXX XXXX XXXX... XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX Name ... XXXX XXXX XXXX  # XXXX Name ... XXXX XXXX XXXX XXXX. # XXXX Name ... XXXX XXXX XXXXXXXX .. Account # XXXX Name.. XXXX XXXX XXXX # XXXX Name.. XXXX XXXXXXXX ... Account # XXXX Name.. XXXX Account # XXXX Has violated my rights. 
15 u.s.c 1681 section 602 A. 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 instruction..

15 u.s.c 1681 C. ( A ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years..

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Product: Credit reporting or other personal consumer reports

My credit reports are not reporting accurately. I sent a letter to all XXXX companies to fix or delete. To no prevail, they have not corrected the information, nor have they deleted it. I have asked that they fix the items or delete it. I even sent my ID, social security card, and proof of address. The only thing they sent in return was a letter stating to please send verification which I did previously.
Product: Consumer Loan

I have a judgement with this company and I am trying to pay it off, but for the last 3 months I have tried to get the pay-off amout with no results. I have contacted the XXXX time, XXXX in XXXX XXXX in XXXX another time in XXXX. The XXXX time I was told she needed to check with the lawyer and get the total. The next XXXX times I told them what was going on and was told they would research the account and get back with me. I gave them my current phone number each time and heard nothing. I feel they are just running up the intrest and are waiting to do garnishment. I have had the means to make mayments and start with a good down. My credit councler said I should ask to have this deleted due to lack off response. Any help you could give would be great. Thank you. Here is infoFREEDOM XXXX XXXX XXXX XXXX - - -Type of Loan : SECURED LOANB / XXXX, XXXX : AMOUNT IN HIGH CREDIT ORIGINAL CHARGE-OFF AMOUNT ; CHARGED OFF ACCOUNT ; ACCOUNT CHARGED TO PROFIT AND LOSS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a formal complaint against the credit reporting agency that is identified as " Equifax Inc. ''. 

By their own admission, Equifax has stated that they have issued wrong credit scores for millions of consumers. My consumer report has recently been reviewed, which informs me that they have my personal information in order to furnish such a report. Per 15 USC 1681A ( 3 ), Equifax does not have my permission nor my consent to furnish anything on my consumer report. Per 15 USC 1681A ( 4 ), they also did not exercise grave responsibility to ensure that my privacy was maintained. This is evident due to the fact that my personal information, which includes but is not limited to - name, social security identification number, etc. is included in the consumer report. 

This has given Equifax not only the ability to allow identity theft and fraudulent actions to occur on my consumer report, but they have also willingly accepted information that they believe belonged to me without first contacting me personally to ensure that the information was valid and true. I demand that all items furnished on my consumer report be removed, and that Equifax be held accountable and pay for damages that not only contributed to defamation of my name and credit due to them being a major credit reporting agency, but they pay for all inaccuracies that were furnished on my report. Itemized line items will be provided to Equifax during the resolution process in order to completely clear my consumer report of all inaccuracies. 

The Attorney General will be contacted as well, to ensure that all avenues of rectification are obtained. 

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

In XXXX of 2020, my Chapter XXXX bankruptcy was XXXX. My mortgage was a continuing claim meaning I stayed in the house and continued to pay mortgage payments throughout and after the bankruptcy. 

Experian and XXXX are not reporting my mortgage information even though the mortgage company reports to all three bureaus each month. XXXX is the only bureau reporting. 

My bankruptcy attorney and I have tried to get this rectified. My attorney talked with the mortgage company 's attorney and it was determined that XXXX XXXX is reporting the mortgage but the XXXX named bureaus are refusing to enter the information on my credit report. 

I was asked for a copy of my mortgage statement in XXXX, which I supplied but nothing has been corrected on my report. 

On my last conversation the representative at Experian said he was completing the paperwork that should resolve the issue within 5 days but that has not happened. 

When calculating credit scores, account mix is a relevant factor. The score from the bureau that is reporting my mortgage is XXXX points higher than Experian and XXXX scores ! 

Their refusal to report my mortgage is costing me money in higher interest rates. I want to refinance my car loan, but I want the information contained in my credit report to be complete and accurate before I apply.
Product: Credit reporting

I disputed the XXXX account on my Trans Union Bureau as paid in full. I sent them a copy of the paid letter attached. They did not remove the balance.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a home but on my report I noticed there accounts that were deleted off my report due to identity theft are reporting again I want to get rid of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian have Failed to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see XXXX XXXX XXXX, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX ( XXXX XXXXXXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
Product: Debt collection

I am writing to formally dispute the debt listed below, which appears on my credit report and is being reported by your company. I believe this debt is inaccurate and/or unverified, and I am requesting a thorough investigation to resolve this matter. 
Debt Reference Number/Account Number : XXXX Original Creditor : Discover Bank Amount in Dispute : {$730.00} I have reviewed my credit report and have found this debt to be inaccurate or unverifiable for the following reasons : I do not recognized this account Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you : 1. Provide written validation of this debt, including the original signed agreement or documentation showing I owe this debt.

2. Investigate the validity of the claim and remove it from my credit report if it can not be verified.

3. Provide me with a written statement of your findings and the steps taken as a result of this dispute. 

If you can not verify this debt within the legally required timeframe, I request that you cease collection efforts and remove it from my credit report immediately. 

I look forward to your response within 30 days, as required by law. Please send all correspondence regarding this matter to my address above. 

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

XXXX XXXX I mailed out letters to all three credit agencies XXXX, XXXX and Equifax stating that I did not recognize several inquiries on my credit file which is unauthorized use of my social number/credit card. These unauthorized inquiries were furnished up to my consumer report without my consent. These agencies did not comply with their own policies in a timely manner with responding to my complaint within 30 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, and Equifax is knowingly reporting unfair and inaccurate account information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. to the Principal 's credit report. This is my official complaint about the unfair practices and trespass. Please see the attached notice.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX These account have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

I was scammed by an XXXX XXXX XXXX on I sent a {$200.00} deposit on XXXX through my Chase online banking XX/XX/2022 and another deposit of {$150.00} on XX/XX/2022 I received the information on my travel and everything. On XX/XX/2022 I paid the whole thing off ( I sent {$550.00} ) after I sent the payment the place where I booked said the funds were reversed and when I contact the travel agent the never responded I even requested the {$900.00} back on XXXX and nothing happened. I called Chase fraud department and Im unable to get my money back.
Product: Debt collection

put a medical bill in my name, i have no account from XXXX  XXXX  XXXX. this account belongs to my wife not me