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

On XX/XX/2019, I received a call from a XXXX number. I was hesitant to answer but I had a gut feeling i should answer the call. Upon answering the call, an individual stated that they were calling from TD Bank ( HEREINAFTER, " TD '' ) and they want to go over some transactions that seemed irregular on my account. The individual went over two transactions that occurred in XXXX, FL and i vehemently denied all claims because I was physically in New Jersey at the time and I was in sole possession of my debit card. Because of the area i was in, the call kept dropping and the person kept calling back. I become a little concerned with the validity of the call and XXXX the number I was receiving the call from. I then XXXX the number, XXXX and the search came back as TD Fraud department hotline. This put my suspicion at rest. Once we finally got back on the phone, the agent proceeded to help me reset my online banking, issued me a new card, help set up my pin and blocked the transactions from hitting my account. The next day I walked into a TD store located at XXXX XXXX XXXX in XXXX, New Jersey. I met with a TD rep to get an understanding what happened with my account. The rep seemed hesitant to help me which made it even more difficult for me to understand what happened to my account. Once i explained to her that a TD fraud rep called me, she fully understood and told me that many of TD 's  customers have been dealing with that issue and that TD is slow to fix the problem. When she informed me of that, i questioned as to why TD wouldn't change their FRAUD hotline if they are well aware of the issue. Thats when she alerted me that transactions totally XXXX had occurred on my account. She also informed me that i couldn't put in a claim until the transaction finally posted the next day. On XX/XX/2019 I returned to the bank to report that fraud on my account. I voiced my concerns with TD bank on this lack of ability to take action. I personally have never made a withdrawal of over {$800.00} from a ATM but TD allowed someone else residing in another to state to make withdrawals totaling {$4500.00} and an additionally transaction in a store of {$500.00}. They didn't stop the transactions for irregular spending or even picked up on the fact that I wasn't in XXXX, FL. I had to go to the brand for 3-4 before work in my uniform using my vacations hours to clean up something i am entrusting TD to protect me and my money from all while being made to seem like I was committing the fraud myself.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I accepted a {$400.00} loan with the expectation to make $ 135 monthly payments. First payment I missed and called one day after its due date to request to make a payment in 3 days, on my pay day. Instead they offered to defer the payment for a month in exchange for XXXX XXXX monthly payments, and the extra amount would cover any accrued interest. Which at the time, sounded fair. After making 5 monthly {$170.00} payments, I Called to see if it were possible to lower my monthly amount. Again, I was offered something I didn't ask for ... .now bi weekly {$93.00} payments. I regrettably agreed to this amount, because {$170.00} is a huge chunk all at once ... ..and that's where the REAL trouble began. I recieved a reminder email for my upcoming payment on XX/XX/XXXX. My principal ( AFTER ALREADY PAYING {$700.00} ) was {$410.00}. I went to pay loan in full and on their web account, it says I owed {$550.00} still! I emailed several times, made phone calls, nobody can answer where my {$700.00} payments went!!!!!! They are stealing my money. The only response from " XXXX '' even remotely touching the subject was as generic and unhelpful as these auto responses on this page. She tried to make it sound as if I extended my loan, but evem then I asked her how I would ever pay off my loan if every month my principal amount JUMPED by {$150.00} without ever even missing a payment? Literally impossible to ever pay off and it makes XXXX sense. 

I am doing everything I can to at the very least, be treated fairly. XXXX also presumed to highlight because they're tribal, they do not hold the same laws. But I do not believe that is any sort of immunity for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX XXXX XXXX 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, Equifax, XXXX, and XXXX Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA under 12 CFR Part 1022 Regulation V. 

Who did XXXX, Equifax, and XXXX interview and can the provide the interviews with neighbors, friends, or associates of the consumer reported on? 

DEPARTMENT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXY ) PREFERRED CREDITOR The accuracy and integrity of these reported accounts are misleading and inaccurate.
Product: Checking or savings account

I contacted USAA Bank to close my membership to USAA completely. I have closed my checking accounts and wish to close my membership with USAA. Even with all communication turned off, I still receive marketing emails from the CEO to my email address. I talked with a USAA support rep and they said that they had put a stop to all CEO emails, but I recently received one after that action was supposedly taken. They will not let me close my membership account and thus will keep sending unwanted communications to me, without my consent.
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that the credit bureaus has verified that the accounts they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account ( s ). I am formally requesting a copy of any binding contractual obligations to pay them the exact amount claimed. Any automated response E-Oscar verification is unacceptable. I am requesting a re-investigation and your Method of Verification. According to 15 USC 1692c ( c ) if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consume, the debt collector shall not communicate further with the consumer with respect to such debt. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681 s-2 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. ( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband & I applied for a XXXX Loan Modification that was approved in XXXX XXXX with XXXX XXXX XXXX. In XXXX XXXX we had trouble making the monthly payment due to a 2 week lag in pay due to a change in my job. We made a pmt of {$750.00} towards my {$1900.00} pmt by the beginning of XXXX to show good faith. Yet we received a Notice of Intention to Foreclose by XXXX XXXX. Then we made another partial pmt and again received a Notice of Intent to Foreclose the following month with 'legal fee ' of almost {$1000.00} added on. I contacted XXXX almost daily trying to find a way to bring the acct. current but I was told the total amount due including the legal fees were required and they would n't stop the foreclosure process until we paid the full amount including the attached new legal fees. Then they told me they WOULD NOT accept any partial pmts ; this all happened in a 3 month period. Frantic, we borrowed the money from my grandmother & paid the entire amount XXXX demanded. We were very upset at the time that after missing a partial pmt in XXXX, that XXXX would start foreclosure the following month and add on legal fees so quickly but, we felt completely helpless and at the mercy of XXXX. We can admit when wrong and we were wrong by making only the partial payment late but we were trying to make every effort to become current right away and we were trying to make partial payments to show good faith. Once the legal fees were attached, it was becoming impossible to catch up. I will remind you this all took place within a 2-3 months while we were still trying to making partial pmts. Anyway, once we borrowed the money to bring the acct current, we decided to put the whole disaster behind us. 
My problem now and questions are .... In XXXX XXXX sold our mortgage to Greentree XXXX Ditech. We received a letter from Greentree in XXXX XXXX informing us were eligible for the Pay for Performance incentive under XXXX. but then in XXXX XXXX Ditech sent a letter stating after an audit of our account we are actually ineligible for any of the incentives because XXXX told them we were 90+ days late back in XXXX. Ditech has now reversed XXXX credits we 've already received from a different incentive adding {$2000.00} to our principal balance and we are n't eligible for the {$5000.00} credit as well now. I have done some research and understand the incentive to be ineligible if : The borrower misses XXXX consecutive payments following the executions of the XXXX modification. ( That is, XXXX monthly payments are due and un-paid on the last day of the third month ) the, I would be considered ineligible for any of the incentives. We feel like we are being given the run-around and no one will give us straight answers. We were never 90 days pat due with XXXX in XXXX and we feel they were starting foreclosure proceeding very prematurely!!! Can you help?
Product: Vehicle loan or lease

This loan was a end of lease purchase : never had a 30 day late although pretty much run loan payment more than 20 days due to other financial reasons. Don't think loan should have been underwritten as a Teer 3, maybe Teer 2 at best due to high utilization not bad credit or delinquency. But this is not my biggest problem, I have some control in the near future in possibly seeking a loan from my credit union. The biggest issue is getting the Robo auto dial calls at least 10 or more times a day, can show on my cell call logs, everyday except Sunday, I think the phone bliss should be illegal, with all the other stress I am currently dealing with is starting to effect my health. I have not missed a single payment on none of my bills, just run over 20 but never 30 days. 

I am getting bliss with auto calls from this VW credit on a daily routine, I wish they were local so go pay a visit, but its most likely best there not because you all have no idea what goes through my mind at times that I don't want to disclose. I will be drafting a stop order on phone calls which is protected by Fair Credit Act
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and misleading items on my credit report. As of today, over thirty days later, I have not gotten a response regarding the items I have disputed. In accordance with the Fair Credit Reporting Act Section 611 A ( 15 U.S.C. 1681I ) it clearly states a failure to investigate these items within thirty days gives a reason to immediately remove these items from my credit report. I demand these items be removed promptly in accordance with the law. My information was also impacted by the XXXX data breach.
Product: Credit card

I have had the Citi Bank Costco Visa Card for 9 years. I have never missed a payment. I have built up a large credit line. On XX/XX/XXXX  I logged in to my mobile app to find my account had been closed. I called customer service to try and understand why and they stated it was because of a missed payment. However, I never missed a payment with them. They stated that a credit bureau reported I missed a payment elsewhere. I reached out to all three credit agencies to try and understand where I missed a payment and there were no missed payments reported. I reached out to all credit products I have and there were no missed payments. I then called back Citi Bank and submitted a reopen request. They denied it because of a missed payment ( which never occurred ). I then submitted a second reopen request, to which they denied it based off of " substantional number of debts owed to other creditors. At this point I was so frustrated and fatigued I was ready to give up. I made my final payment and called to check on the status of my cash rewards on the card, totaling around {$2800.00} on the year which was to be issued to me following the closing of my XXXX statement. They told me that because my account is closed my rewards would not be issued to me. They stated I had exhausted all internal appeals processes. I feel that, because of my substantial rewards for the year, Citi invented a reason to close my account simply because they did not wish to pay my rewards. I want my account reopened and I want my rewards certificate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening ; I was going through my credit the other day and noticed a hard inquiry from a local dealership in MA that i never applied for or even step into any of those dealerships. I immediately called the dealership after XXXX XXXX  and got routed to Sales Manager of XXXX located in XXXX MA, and he said that he doesn't see any record in his system but he said that it might be his sister store in XXXX. He said that he will reach out to them to get this resolved. My credit has been compromised and I haven't been looking for a vehicle for over 5 years. Again, i didn't authorize this and this is a breach of my personal privacy and want this removed immediately from my credit report. 
( XXXX CREDIT/XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, MA XXXX Auto loan. )
Product: Money transfer, virtual currency, or money service

I had opened a Wallet on Coinbase. I wanted to invest some money, when I joined a smart mining pool. I initially placed {$16000.00} in the pool, and within a week it had disappeared. I called Coinbase to report the matter immediately after I noticed the money was missing, and they asked me if I had shared my security key with anyone, and I said I had not. They said that no one had access to that wallet, but they would investigate the matter for me to try and get my money back. I had told them that I had joined a smart mining pool, but they did not say anything to warn me about that that it could possibly be fraud, they simply said nothing, other than they would investigate and they put a freeze on my account so no one could access it, put money in or take it out. The next day I received a phone call from someone saying they were from Coinbase, and said that the transaction was legit, that they were running the smart mining pool that I had joined, and that they had taken the funds and moved them to another account, and that if I would invest another {$50000.00}, I would receive my money back that had been taken, along with double interest, the reason being was to promote their company with more assets. I tried to call Coinbase back to see if this was legit, and I was not told anything at all, other than they hadnt heard about it. Again, I was not warned about anything, I was not told to look out for anything that this could possibly be a scam, and then Coinbase allowed my account to be unfrozen, at which point I invested the money and lost all of it as well. Coinbase refuses to accept any responsibility or help me in anyway. I am willing to accept the loss on the first investment of the XXXX, but I have asked that the other XXXX be returned, because I feel that they were negligent, and did not help me or warn me of any dangers. They will not respond to my complaints they will not respond to anything at this point, and I am seeking help in this matter. It started on XX/XX/XXXX, I had the first initial I taken about XX/XX/XXXX, at that point I called Coinbase, and I lost the rest by XX/XX/XXXX. I was told the only way to get my initial investment back, was to invest another XXXX. I cant get help from anyone in this matter, it has caused me a great deal of financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXXXXXX XXXX debit card and it was place on hold because XXXX  XXXX XXXX repot me too early warning when XXXX  XXXX XXXX agreed too removing the file XXXX from XXXX  XXXX XXXX said theyll remove it and its still on there so please remove this file from early warning
Product: Credit reporting or other personal consumer reports

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

15 U.S.C. 1681 Section 602A states I have right to privacy. 

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

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$740.00} & XXXX XXXX  Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian tries to lure people in to their Boost ability to boost your credit score, this does boost it with utilities if they are paid on time. BUT they are now supplying all of your bank information ( which was the original goal ) to get into your bank account. 
Yes you can turn this off but your score will drop now. I plan to get my score up and then shut this down. 
This is an invasion or privacy and the whole world now knows how much money or cash flow is in your bank account. 
These are private companies and should not allowed to provide this information. 
I have contacte the boost dept many times and get people in other countries not even the US.

I would like to have someone from that dept contact me.

there are discrepancies and I need them fixed. I don't want to speak to the anyone expect US citizen. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I submitted a complaint to Consumer Finance.gov about misapplying my payment where I was charged interest even though I paid the minimum ( which the statement states woudl apply to the lower apr ) + the remaining purchases balance. 

They have provided me with the reason I have been paying interest. 

They have one line written in their XXXX  when you agree to the balance transfer which makes it so that you agree that while you have a balance transfer still on your card, if you make any purchases on the card you pay interest immediately on those purchases. This is incongruent with what my card is typically. 

They then repeatedly refer me back to the section in my credit card statement, but I noticed something. They don't have that term written in the Credit Card Statement. They also don't have it in the Renewal Notice in 2023 when I carried a balance. They also did not email me the terms and conditions, that I can find. They don't have it available online. They don't display these terms anywhere it is only on one line of an online agreement. This is a disingenuous business practice and I would wager a guess they have been using this to scrape garbage interest off of unsuspecting people for a long time. You should investigate : 1. ) Why the Terms and Conditions aren't available to me? 
2. ) Why this special condition isn't included on statements? 
3. ) How much they have ripped off consumers by misleading them to think it is their fault for missing one line that they have deliberately hidden after?
Product: Debt collection

XX/XX/2021 they called me 17 times in a row at XXXX XXXX XXXX XXXX portfolio recovery