23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, i contacted TD bank mortgage services to inquired if TD Bank would be providing any deferment to customers impacted by Hurricane IRMA. The representative informed me that yes, they are providing 2-month deferment to customers in areas impacted by XXXX XXXX that she would need submit a request to the working back office team. After submitting the request she told me that i would be receiving a package through the mail in 5-10 business days. After 10 business days, i called TD Bank again, spoke with another representative and she said that there are a lot of request to please give it another 3-5 business days for the package to arrive. After the 5 business days, i called again and spoke with a XXXX and he said that he will make call to this department the following day to see what is going on. Few days later i started receiving collection calls as i was past due. I explained to the rep the conversation i had with the TD bank XXXX to please look at the call log notes. The rep apologized and told me that he will stop collection auto calls until XXXX. I called again XXXX spoke to a representative and explained again my issue and he told me he was confused because he 's done many of these requests and he does not understand why you have n't received a letter or package yet. He said that he would call me the following day or for me to call after XXXX pm XXXX and asked for him. XXXX i called back to speak to him, he return my call and said that the back office team told him they need proof of damage to property and working contract of with timeline when it would be completed. He was confuse with their response so he sent another email to that team asking why? He said he would get back to me the following day. on XXXX, i made a comment on XXXX to TD Bank leadership team, i received a phone call back the following day from XXXX XXXX, she began to explained to me that the reason a package was not sent was because my loan is an FHA loan and FHA is only providing forbearance for 60 days but at the end of 60 days, i would need to pay back the 2 months and current monthly mortgage payment. I was very upset and explained to XXXX that it took TD bank over 30 days to tell me that my loan is an FHA loan and i do not qualify for a deferment!. Because of the lack of due diligence in their process, now i am past due 60 days on my mortgage, if I would of know this information early i would of made arrangement to pay one moth  past due and begin making payments in XXXX. All we are asking if they could place these 2 payments at the end of the loan, i feel like we were mislead with all of the incorrect information TD Bank provided to me as a customer. I feel like we were mislead with all of the incorrect information TD Bank provided to me as a customer. They are asking me to complete an request for assistance form to request to look for other form of assistance. We are concern that a loan modification would be needed then interest change will increase and we would also be responsible for closing cost. we do not want this!!
Product: Debt collection

I XXXX XXXX received notification on my consumer report indicating I had a collection account with Credit collection SVCS. This is a direct violation of 15 usc 1692 ( b ). I given no consent for this company to communicate with anyone other than the consumer. I've been harassed and abused by this company in attempts to collect an alleged debt 15 usc 1692d ( 1 ). This company has advertised my debt in attempts to receive payment which is a violation of 15 usc 1692d ( 4 ).
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I drove through M & T Bank service window, XXXX, XXXX, to cash a US Treasury IRS refund check for {$280.00}. I presented valid picture government issued ID. I was told that if I didn't have an account with that bank, they wouldn't cash the check. Reason they said was they are a XXXX XXXX  and don't have to cash US Federal checks.I asked about US Savings Bonds and was told the same thing.. won't redeem unless I have an account with that bank ... I believe any banking institution that is covered by FDIC is required to cash US Government instruments... Am I wrong? If I'm correct I'd like for them to re-educate their staff on what is required. A note of apology would be appropriate.
Product: Prepaid card

On approximately the first week XX/XX/XXXX I filed a dispute complaint of fraudulent charges with Rush Card. During the investigation, they stopped usage of my current debit card and issued me a new card. Upon receiving the new card, the company was in the midst of a very large upgrade to their services. When I went to activate my new debit card, it would not accept the information via telephone to activate the new card. Upon logging in online, I noticed that the new card displayed online on my account did not match the one I received in the mail. Due to the large epically failed overhaul, I was not able to reach customer service via telephone for the first 24 hours. During this time, I sent an email and was issued a ticket number and an automated response saying they would respond within 12 hours. As of XXXX/XXXX/2015, I still have not received a response. I have gotten thru to customer service after several failed attempts and was given a response that " I need to wait for the website overhaul to finish and the account numbers would be updated. That never happened either. I have been put on hold, hung up on, passed along and still can not access my XXXX payroll deposit that was put in my account on XXXX/XXXX/2015. I talked to customer service last night and they were going to issue me a pin number to resolve this issue but they hung up or disconnected before I could receive the number. I have faxed, called, and emailed numerous times and to numerous affiliates and hit a dead end everytime. I have reached the end where this is no longer acceptable customer service. 
After weeks of run-arround and dead ends. Rushcard customer service states that 1. They do not have access to accountholders information and when requesting to consult with supervisor, I was transferred to a person who was able to access my account info but still could not resolve my problem. I have paid {$30.00} for an expidited fee for a replacement card that was blocked before I even received it, and not offered a refund of that {$30.00}. It is XX/XX/XXXX15, and I still can not access my money on this account. Rushcard has no problem deducting fees from the account but claim they can not perform a card to card transfer on their end, even though we have record of them doing this exact thing.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XX/XX/2020 {$1200.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, submitted by XXXX XXXX XXXX XXXX part of XXXX, XXXX XX/XX/year>. I have never applied for any credit or service with this company, and I did not grant permission for this inquiry to be made on my behalf. 
Because I did not authorize this activity and have no relationship with this business, I believe this may be an error or a result of fraudulent activity. I am requesting that ChexSystems initiate a reinvestigation into this inquiry and provide documentation outlining the steps taken to verify it. If the inquiry can not be proven as authorized by me, I respectfully request that it be removed from my file. 
This request is made under my rights outlined in the Fair Credit Reporting Act ( FCRA ), including XXXX XXXX XXXX XXXXXXXX. Please confirm in writing once the reinvestigation has concluded and the results have been updated. 
Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received hard inquiry on my credit by Credco on XXXX without my consent that resulted in reduction of credit score.
Product: Debt collection

XXXX XXXX XXXX, of the LAW OFFICE OF BRIAN P. KOWAL, P.A, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX, mailed a debt or demand letter dated XX/XX/2021 ( see Attachment # 1 ) ; the debt or demand letter specifically indicate that it is done " Pursuant to 83.561, Florida Statute XXXX which is a repealed state law ; it is also notated in the letter that an undisclosed " portion and practice '' thereof was done " Pursuant to the Fair Debt Collection Practices Act ... '' A debt verification letter was timely mailed on XX/XX/2021 in response to the debt or demand letter, and timely received by XXXX XXXX XXXX XXXX see Attachment # 2 ) ; XXXX XXXX XXXX has failed to cease further collection attempts and to duly respond to the debt verification letter as required, but he has rather proceeded to collect the invalidated or unverified debt, without due process of law, and through excessively aggressive actions that has led to a large group of heavily armed men in tactical gears and with guns to forcefully remove me from my lawful place of abode.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently Transunion and XXXX  has had a breech where thousands of consumers information got into the hands of others. I have been a victim of identity theft provides police report. Contacted Business to show proof I gave permission for them to pull my credit and still no response. I need these items removed from my credit immediately or either show proof that I requested. I did not authorize anyone to pull my credit.
Product: Checking or savings account

On XX/XX/2015 I was at a Bank of America atm located on XXXX XXXX in XXXX XXXX XXXX XXXX. 
I made a deposit the sum of {$46000.00} at a atm on the side of the back Atm took my money and while it was doing the count of all XXXX dollars bill Atm when on a shut down and left me stand their with no deposit slip And it never credited my account Atm took all my money I never left the atm I call in to Bank of America And told them about the problem with the atm They never reply back I try call in for a claim of sum {$46000.00} And never got anything money back To this day it been over XXXX year in terms And not a dollar been pay back to me My live as never been the same after that I was financially ruined They did not care about my situation every time I call in they give me the runaround I tried to get access to my account and the And the bank card number to file a claim Denied of access I was left With no money
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed an unauthorized charge for {$60.00} something from XXXX. On XX/XX/XXXX two more charges were made at XXXX one for {$240.00} and the other was {$21.00}. I called XXXX/XXXX XXXX that same day and they said they would submit a dispute for me but that I should call XXXX to try and get more information. XXXX told me they had no information available. On XX/XX/XXXX there was another charge from XXXX for {$40.00}. I called XXXX again and they told me to call XXXX again. I did that and XXXX told me XXXX needs to handle this. I have submitted various disputes via email, fax and regular mail to XXXX yet they keep saying they never received my disputes. When I call XXXX, I am placed on hold for over 30 minutes and then when I get to a representative, they tell me the dispute department is disclosed. XXXX is also charging me fees for ATM withdraws that they tell me are free. I have asked for my account to be closed and they say they ca n't but that they will send me a new card yet I never get the new card.
Product: Consumer Loan

I currently have a installment loan were I borrowed {$2900.00} and am being chared total of {$7000.00} and they are deducting every two weeks directly from my account {$290.00} it is becoming heavy and can not afford for this to continue so I have tried reaching out to them and emailed and called them to see if we can break it down to one payment a month for that amount and they refused. I really want to keep my end of the deal and pay them for allowing to borrow the money even though I am paying back more than what I borrowed. But I am almost being forced to stop paying them and file for Bankruptcy I cant afford it. They are not budging either to compromise
Product: Money transfer, virtual currency, or money service

I try to buy a concert ticket from a person her name XXXX XXXX, Her e-mail address : XXXX, I sent her $ XXXX on XXXX XXXX 2023. She told me she will send me the ticket via on line, but I never received it and she blocked me at the chat and disconnected her phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company on many occasions and I even sent in a police report that was made stating that I was a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to conduct a proper investigation into inaccuracies on my credit report. Despite my attempts to resolve the matter with TransUnion XXXX directly, they have not addressed my concerns, and I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I submitted a dispute to TransUnion, outlining specific inaccuracies in my credit report, such as incompleteness, inconsistent data on my credit report. These discrepancies have a significant impact on my creditworthiness, and I have a legitimate expectation that TransUnion will fulfill its obligations under the FCRA to investigate and delete such inaccuracies. Despite the FCRA mandating that credit reporting agencies conduct a reasonable investigation within XXXX days of receiving a dispute, I have not received any communication or resolution from TransUnion regarding my dispute, This lack of response is not only a violation of my consumer rights but also a failure on the part of TransUnion to uphold its legal obligations. I have made numerous attempts to contact TransUnion through their customer service hotline and online dispute resolution system, but these efforts have been in vain. The lack of responsiveness from TransUnion has left me frustrated and concerned about the potential negative consequences these inaccuracies may have on my financial well-being. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TransUnion for their failure to conduct a proper and timely investigation as required by law. Additionally, I seek your assistance in ensuring that TransUnion rectifies the inaccuracies on my credit report promptly. I may also seek additional complaint if Transunion fail to comply with my dispute. I appreciate your attention to this matter and look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting.
Product: Credit card or prepaid card

1. I have been charged and I paid an additional billing invoice by Synchrony Bank for the amount of {$17.00}. In order to avoid a negative report from the Synchrony Bank on my credit account. I have yet to receive any reimbursement for the complaint filed XXXX for the previous charges. 

2. I have also attempted to access my account for Amazon XXXX XXXX XXXX XXXX for an purchases due to overpayments in the amount of {$250.00}. On XX/XX/2023 I have been advised by the Amazon representative that this account is not accessible because Synchrony Bank will not allow the use of the excess funds paid in the amount of {$250.00}. 

Kindly address these issues and respond at your earliest possible convenience.
Product: Credit card

I have paid my bills on time and have a good relationship with my creditors. However, my new Walmart Credit Card issued by Synchrony Bank lowered my available credit by 33 % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.
Product: Credit reporting or other personal consumer reports

According to Credit Law 15 U.S. Code 1679c - Disclosures, " The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. '' As of XX/XX/XXXX, I have a closed car loan from XXXX XXXX XXXX XXXX that is over 7 years old and has not been removed from my credit reports. The account was opened XX/XX/XXXX and has been removed from my XXXX report ONLY but still remains on my XXXX and Experian credit reports. The account was last updated XX/XX/XXXX. 

XXXX ( XXXX. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX. A, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) AND the Fair Credit Reporting act, I invoke my right to demand that this closed account is DELETED from my credit reports with the XXXX major bureaus ( XXXX, XXXX, and Experian ) as the 7 year mark has passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all 3 credit bureaus about several inquiries that were not mine and a few that were duplicates listed in my report. I disputed these results and every time I call in they tell me there is no dispute. Equifax told me I had to dispute directly with the company that did the inquiry. I sent notices to them and did not receive communication back. I updated Exquifax on XXXX18 as well as XXXX and XXXX and was told they could not help me. I have 45 inquiries on my report and only 6 are mine and accounted for. All 3 credit companies will not aide me in the removal process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a settlement with XXXX XXXX XXXX dated XX/XX/2022. Where they agreed to show the account ( XXXX ) in dispute as paid in full as agreed, and inform all credit agencies of the updated status of the account. In return I would drop my lawsuit against said company. In the agreement XXXX  said they would have this done in no more than ( 60 ) days. It as been over a year and all credit agencies are still showing the account. As charge off with a XXXX balance and last payment. I have tried to contact XXXX, TransUnion, XXXX by phone and Im told theyre not able to verify my identity. Ive sent several letters via the post office explaining Im as victim of identity along with police reports FTC identity theft report. My ID, SSN card and most recent bill and still they say they not blocked or removed the incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with Equifax because the balance wasn't updated after I settled it and they updated the balance correctly, however, in doing that, the Date of first Delinquency was changed to the date it was charged off and not the date of first delinquency on the account. I tried calling Equifax to update it correctly based on what was on my credit report and pointed out that the first 30 day late was in XXXX or XXXX and not the date it was charged off which was XXXX. They told me to contact the company who was reporting it and I did but they would not help me at all. This is an auto account that was charged off which should come off in XXXX or XXXX of this year. Equifax will not help me or the company so I found your info and was hoping you can help me get this straight. Thank you
Product: Credit reporting or other personal consumer reports

I was notified that a collection account was on my credit report. I contacted agency and they were unable to locate account in my name or social security number and legal name XXXX XXXX.
Product: Checking or savings account

On XX/XX/2022 a check was written on the XXXX account in which I am in charge of. The check was fraudulent and approximately 12 more checks were written in large amounts up to XXXX per check for an approximate total of {$40000.00}. 
I contacted the bank both in person and via phone, and filed a police report on the exact day I discovered this when I received my statement showing these checks that had clearly been manufactured with incorrect address and title, signed and written by an stranger when I am the only signer allowed on this account and the only person allowed to do any business of this account. 
I was told I had 60 days from the receipt of the first statement showing fraud to report and receive the stolen money from First Interstate, XXXX, WY. I was well within that time as I reported on XXXX XXXX 30 days from when I should have received my first statement showing fraud. I received a letter showing my address needed verified rather than a statement for XXXX. All the checks went through the bank with no question and most were clearly cashed by a XXXX XXXX XXXX XXXX in VA. Approximately XXXX was returned after about 2 weeks and no other updates have been made. I've had 2 other banks tell me First Interstate should've returned the money to my account, by law, within 48 hours, but I have still not received the remainder that is missing. I've emailed and called and am still missing approximately {$20000.00}. Please help. I was also told this my be a case of elder abuse as I was told that I should've banked online and would have discovered this sooner.. I am not comfortable with online banking and am over XXXX. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following address is fraudulent and appears on all my credit reports. Needs to removed and investigated for any fraudulent activity. 

XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX  MISSOURI XXXX