23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

In XXXX I opened a TD BANK checking account ( AC # is attached to a picture ) in the Town/ City of XXXX XXXX , NY . I worked in the area for the summer and it was the closest bank to where I lived, about a XXXX - XXXX minute walk to be exact. I got my account on XX/XX/XXXX ( I will attach images to prove this fact ), and I got a checking account as well as a savings account with them. About a year passed while in XXXX I saw that there was a hold on my account and I could not get to use my debit card or use my XXXX account and I don't have access to my login anymore either, I called the bank and they said I had to come into the branch to get the issue sorted out. I kindly informed them that would be impossible for me because of the whole covid 19 pandemic I was not able to travel. They were adamant that I need to physically come into the branch to fix to issue. Fast forward to XXXX when I finally get back a chance to come to the USA, I immediately go to visit the TD bank branch I had signed up in XXXX, and to my surprise, the bank was not there anymore they had discontinued that branch. So I went to go visit the TD banks in XXXX and XXXX. Both branches told me that my account was closed out. So I ask them where the money was that was in my account. I had a total of approximately {$4000.00} USD in my accounts the last time a checked before they locked me out. {$2000.00} in checking and {$2000.00} in savings. They told me that I should have gotten a check mailed to my address on file and when I informed them I did not receive a check they are giving me a number to call ( XXXX ) XXXX saying that's the demarketing department when I call the number it brings me to an automated voice system that takes your message, promises to call back in 2 days and never does ..when I return to the branches informing them that nothing happens when I call the number and that I need help to get my money back they are telling me there is nothing they can do so at this point I think TD bank stole my money.
Product: Debt collection

On XX/XX/XXXX there was a new collection account added to my credit report from AFNI, Inc for {$62.00} due to XXXX XXXX. I have not had an XXXX XXXX account in well over 3 years. My account was always paid in full, never late. I have XXXX  for my cell phone service for over 7 years and never an issue. This is not a legitimate account that I owe money to.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against EQUIFAX concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
In XX/XX/XXXX, I initiated a dispute regarding incorrect information related to ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX ) XXXX Despite providing supporting documentation that substantiated my claim, EQUIFAX responded on XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the legal principle of estoppel. XXXX prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of EQUIFAX may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report.

Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C. 552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes.

My concerns remain unaddressed despite my attempts to resolve this issue directly with EQUIFAX through Certified Mail.
Product: Money transfer, virtual currency, or money service

I needed to close on a house XX/XX/XXXX and I initiated a wire transfer from Ally XXXX to my lawyer on XX/XX/XXXX. I received an email from Ally on closing day rejecting my wire due to the receiving bank account not being in my name. 

So, I had to decide if sending the money from my XXXX XXXX XXXX via XXXX or attempting to wire again would be quicker, so I considered XXXX, but there's a transfer limit to my already linked account. So I initiated a wire to my other XXXX XXXX  account on XX/XX/XXXX and received no response the next day. After waiting on their automated menu and clicking all kinds of oprions trying to get to customer service since there's no main customer service option, I finally got to someone who said they don't know anything about the wires. I called again and got someone who helped me, saying that I needed a bank statement from my own bank account I'm sending to and they probably rejected the wire again without sending me a message. So he resent the wire and It'll probably get it to my other bank account on XXXX  XX/XX/XXXX ( because tomorrow is XXXX ) which I then have to spend more time and money wiring to the sellers who have been asking me where the money is. 

This is so completely unacceptable from what is supposed to be a reputable bank. I never have any issues wiring from other banks and it is always very quick without stipulations. Never again will I rely on Ally for time-sensitive money transfers. The worst part is the house is just sitting there vacant because I have not yet received the keys and can not access it.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX Balanced {$140.00} XXXX  XXXX XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$2400.00} XXXX XXXX XXXX XXXXXXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balanced {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My husband has visited the Citizens Bank located at XXXX XXXX XXXX XXXX NY XXXX and each time he visit hes meet with discrimination and differential treatment because of his skin color! My husband has his own accounts with Citizens Bank and he has been banking with them for over 18 years. I sent my husband to cash a check that I wrote to him from my account to pay the contractors working on our home and each and every time hes visited the branch hes told he cant cash the check without coming into the branch. Whenever I go to the branch to cash a check through drive thru I have no issues. I spoke to the manager XXXX and banker XXXX XXXX today and they both told me the tellers are allowed to pick and choose what checks they will cash and what amounts as long as its under XXXX. The Manager XXXX said it depends on the tellers mood. I explain that Ive cashed checks for same dollar amount through drive thru and never had issues. When my husband visits other citizens banks hes not meet with any nonsense or discrimination. The checks I write are personal from checking and has the same last name on the checks not to mentioned mt husband is a client he has his own accounts with Citizens Bank. Ive witness other people cash checks for similar amounts Ive written and they never seem to have a problem in drive thru at the XXXX location. The difference between them and my husband is skin color! That is clear! You cant say mood of tellers because there is no interaction face to face. Their clearly judging the same check written by me and comparing it to the driver license in front of them. How does that constitute as a mood. They could check my account and see that Ive written checks before to the person cashing which would also show a pattern. Therefore using fraud or suspicion is a lie.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated and deeply concerned about the inaccuracies and incomplete information on my credit report. Despite my repeated requests to have these errors corrected, they continue to go unaddressed, and my credit score is unfairly suffering as a result. This situation is not only unfair but also a clear violation of my rights as a consumer.
Product: Debt collection

Good morning, I have been back and forth with this debt collector asking them to please stop harrasing me with this debt that is not mine. I asked them to please submit and validate that the debt is mine and till this day they have n't. I asked them to please remove it from my credit report and they still have n't. I explained to them that I had a problem with another account with XXXX XXXX. Someone was using my information and opened an account. Thank XXXX I noticed and had it removed and closed. I have attached a letter of what I received. I know it doesnt have to do with this particular company, but I wanted to let you guys know that I have been having problems with my identity being falsely used.
Product: Mortgage

I refinanced my mortgage through Better Mortgage. I closed on refinancing on XX/XX/2019. I was directed by Better Mortgage to make my monthly payment to XXXX XXXX XXXX, their loan servicer. I made a monthly payment as well as two payments toward the principal. In total, I paid XXXX XXXX XXXX {$3500.00} between XX/XX/XXXX and XX/XX/2019. Of the {$3500.00}, {$1200.00} was interest, {$480.00} was escrow, and the rest went towards my principal balance Sometime in late XXXX, Better Mortgage sold my loan to XXXX. However, when I received my first statement from XXXX, I was surprised to see that XXXX was not reflecting any of the payments I made to XXXX XXXX XXXX. I contacted all three companies involved : XXXX, XXXX XXXX XXXX, and Better Mortgage. XXXX and XXXX XXXX XXXX were telling me they owned the loan. However, Better Mortgage assured me XXXX XXXX XXXX was wrong and that XXXX owned my loan. When I asked Better Mortgage why my payments to XXXX XXXX XXXX were not being reflected by XXXX, they did not know the answer. As of today, XXXX XXXX XXXX and XXXX are saying I owe them my normal monthly payment on XX/XX/2019. In short, Better Mortgage has created an issue where two different lenders/loan servicers believe that I owe them for the same loan. I have tried to resolve this issue with all three companies but they all tell me they will investigate or look into the issue at hand. I am filing a complaint to ( 1 ) get assistance resolving this issue, ( 2 ) to inform others of the issue that I had, and ( 3 ) to help the industry improve and remove bad players who don't do things as they should.
Product: Credit reporting

I filed a police report locally and with the FTC for Identify theft. I sent all the necessary information to Equifax by registered mail and they are required to block this fraudulent information on my report within 4 business days pursuant to section 605B of the FCRA and it has been 30 days and it is still on my report. My Equifax dropped XXXX points because of this identify theft. Along with the reporting officer we called XXXX and talked to XXXX, operator XXXX and she said to us on the phone and it is recorded in the police report that it is not my debt and she said she would contact Equifax and tell them. Nothing has changed on my report!
Product: Debt collection

XXXX Synchrony Bank claims I owe {$340.00} but I have no knowledge of their claim. Ive received calls and have called multiple times to get verification from them that this is an accurate claim but they never shown me proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Our XXXX MasterCard which is backed by Barclays was hacked after one {$37.00} purchase to XXXX was approved on XX/XX/18. After this approximately, {$40000.00} in fraudulent charges ( from XXXX and a few other foreign countries ) were approved from XX/XX/18 through XX/XX/18 by Barclays ( a total of 471 charges ) in about a two week period. We did not notice the charges until we received our bill in XX/XX/2018. We began disputing these charges on XX/XX/XXXX with six different customer service agents who gave us six different answers. Supposedly we were issued another credit card, which was not received. Barclays continued to increase our credit limit in order to approve the disputed charges, from {$26000.00} to {$50000.00}. We continuously disputed these charges ( correspondence attached ) and after review by a staff member in the Office of the President, we were told that they did not consider these charges fraudulent since the XXXX charge in Oklahoma was approved, it meant that any XXXX charges were approved. The office said that it was up to Barclays to continually increase our credit limit even if it surpassed the amount we could afford. XXXX was contacted and told us the card should not have been connected to the account that the charges were against because it was not the owners, however the account has been hacked and is no longer able to be controlled by the owner. XXXX said that Barclays had to reject the charges, which they refuse to do. We are retired and can not afford over $ 1,000/month to pay this balance off and which we will not pay since it was due to criminal activity that Barclays refuses to credit back to our account. Our credit history proves that we did not have a history of making such purchases. We did receive letters from Barclays in XX/XX/2018 admitting that the account seemed to be inaccurate, but Barclays refuses to admit it was their error and the charges should be credited back to our account. Barclays is not customer friendly and will not admit that they mistakenly approved these charges above our credit limit. Similar charges to another credit card were investigated by the bank from which that credit card was issued and were credited back to our account, proving that these types of charges were fraudulent.
Product: Debt collection

On XX/XX/2022, I made a XXXX  report because this company has fraudulently doctored account ledgers, added more payments to my account that I dont owe and have been falsely placing things on my credit. They told the XXXX I missed a payment for XXXX but the last 3 reps Ive spoken to in the last 2 weeks minus tosay, have all said I missed XXXX & now theyve stuck to XXXX anytime I did speak to someone about this issue. They provided the XXXX with a payment ledger they only provided me after weeks of asking and what they have does NOT match my bank statements from when Ive made the payment. The XXXX got the proof of payments Ive sent and when I tried to fight it, they said I didnt have a claim. Ive reported credit Acceptance to the 3 bureausXXXX XXXX  XXXX and XXXX and all 3 bureaus REFUSE to validate the account and say that its accurate even with me proving proof that its not. I have been unfairly harassed by the people in this company and they have been falsely putting late payments on my credit. Theyve called me 6 times today & its only XXXX as of XX/XX/2022. I want this harassment to STOP immediately. I want NO contact with this company. They are CONSTANTLY calling me from different numbers
Product: Credit card or prepaid card

On XX/XX/2022, Citi ( XXXX XXXX, SD ) applied my overpayment of {$12000.00} on my Citi Card to the amount in Citi Flex Plan ( 8.99 % APR fixed ) before applying the overpayment to the amount from the balance transfer offer that expired XX/XX/2022. The overpayment covered the amount from the expired balance transfer offer and was exactly {$12000.00}. When the balance transfer offer expired on XX/XX/2022, that amount became subject to a much higher APR than the 8.99 % APR fixed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX Date : XXXX To : TransUnion Subject : Formal Dispute and Complaint - Violations of the Fair Credit Reporting Act ( FCRA ) Dear TransUnion, I am writing to formally dispute the inaccurate and erroneous information that you are currently reporting on my credit report and to notify you of multiple violations of the Fair Credit Reporting Act ( FCRA ). The account in question is as follows : XXXX Account Number : XXXX Account Status : Closed Original Creditor : XXXX Balance : {$84.00} Date Opened : XX/XX/year> Status : Account charged off. 
XXXX XXXX XXXX Account Number : XXXX XXXX Account Status : Closed Age of Account : 2 months Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 605B : Blocking Information Resulting from Identity Theft Violation : Despite submitting an FTC Identity Theft Report, a police report, and my verification documents ( drivers license and Social Security card ), TransUnion failed to block the disputed information within four business days as required by FCRA 605B.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer as a result of the failure, punitive damages, and attorneys fees. 

2. Section 611 : Procedure in Case of Disputed Accuracy Violation : Upon receiving my dispute, TransUnion did not conduct a proper reinvestigation of the disputed information within 30 days, as mandated by FCRA 611. Instead, TransUnion continued to report the inaccurate information despite clear evidence of identity theft. 
Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees. 

3. Double Reporting of the Same Debt Violation : TransUnion is currently reporting both the original XXXX account and the new XXXX XXXX XXXX collection account for the same debt. This constitutes misleading and unfair reporting, causing undue harm to my credit score. 
Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees. 

Requested Action : I request that TransUnion take the following actions immediately : 1. Block and remove the XXXX account ( Account Number : XXXX ) from my credit report as per FCRA 605B.

2. Remove the XXXX XXXX XXXX collection account ( Account Number : XXXX XXXX ) from my credit report as it is the same debt as the disputed XXXX account XXXX 
3. Provide written confirmation that these accounts have been removed from my credit report. 

Failure to comply with these requests will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek legal advice regarding potential damages for these violations. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX XXXXount # XXXX, 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 an account without written instructions.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX I have been trying to solve a problem that I have with this company in my credit report, where backed by the laws that protect the consumer according to the FCRA, all the information shared by the companies must be accurate and precise or else it must be removed from the consumer report. 

For more than 10 months I have tried to reach a solution by sending reports by all means even sending a report directly through this CFPB portal, where unfortunately the results remain the same, the laws imposed on fair credit are not respected. 

The company XXXX XXXX XXXX, in the report it has with TransUnion, expresses that the status of said account is " account paid in full ; the a charge off ''. 

As you can see in the attached document of the company the payment history of that account is OK, during multiple occasions I have asked the company to please verify the information and it is modified, or otherwise deleted from my report. 

As you can see in the document they respond that the information is correct and accurate, which in the documentation there is nothing correct and precise because if the account shows an excellent payment history, how can it show that the account had a charge off, so I demand it by relying on the laws to the fair credit that this company in conjunction with TransUnion, take all the measures, I am notified by postal mail all the research they carry out, where they demonstrate in which month the account was in charge off, what are the months that was not paid so that the account was in said charge off. 

The account says that it was closed on XX/XX/XXXX, with an excellent payment history but in the status I see a charge off.