23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XX/XX/2017 I presented XXXX items totalling XXXX USD to the TD Bank, N.A ( the " Bank '' ) branch located at XXXX, XXXX, MA XXXX. The amount credited for the deposit was XXXX USD, XXXX USD less than the amount of the items deposited. 

On XX/XX/2017, after the deposit posted to my account, I noticed the discrepancy and notified the Bank of the error. During this call, the representative was able to confirm the missing amount based on the check images collected by the Bank at the time of deposit. The representative informed me that they would escalate to an appropriate organization within the Bank and that the error would be corrected within 2-3 business days. 

On XX/XX/2017, I noticed that the error remained unresolved. I contacted the Bank again regarding the error and was told that the error would be corrected within one week of the original notice ( by XX/XX/2017 ). 

On XX/XX/2017, the error continued to remain unresolved and I contacted TD Bank , N.A . again regarding the error. The representative, XXXX, noted that there was no record of any request made during the previous calls. The representative contacted their supervisor, XXXX, to escalate a request within the Bank and have it expedited such that it would be resolved within 2 business days. 

On XX/XX/2017, I am filing this complaint with the CFPB. It has been over a month since the issue was first raised with TD Bank , N.A . and, after multiple good faith attempts to resolve the issue, the TD Bank , N.A . continues to fail at delivering on its promises to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Wells Fargo customer For almost 28 years. I have been paying my mortgage on time regardless of my hardship. I have two mortgages and two homes that are financed through Wells Fargo Bank. In the past 28 years Wells Fargo has sent my home to foreclosure without helping me to modify it to a better interest rate. I still made my monthly payment on time regardless of my hardship. I have excellent payment history on both of my mortgages but yet Wells Fargo is reporting me 30 days late In XXXX of 2014. I tried to dispute with XXXX  and XXXX  and XXXX  unfortunately the problem was not fixed. Now I am forced to file a complaint against Wells Fargo Bank for all their wrongdoings including destroying my credit while I've been a loyal customer. My loan has been transferred to another servicer. 
I am trying to refinance my house but the 30 days late is destroying my credit score and I can not get a reasonable interest rate based on my excellent credit history besides the 30 days late. 
Wells Fargo knows that I am a registered nurse working at XXXX XXXX 40 + hours taking care of covid patients I don't have time to waste removing this late but I have no choice at this time because I have to refinance and provide for my family a safe home
Product: Credit reporting or other personal consumer reports

For the past XXXX years, I have been unable to access my Equifax annual credit report immediately online when checking my XXXX XXXX XXXX on a recurring basis. Instead, when I enter my information, I am able to access my non-Equifax accounts but Equifax simply displays a technical error screen.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NC, XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, VA, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute several hard inquiries on my credit report. According to my credit report, there have been several hard inquiries made by various lenders over the past few months that have negatively impacted my credit score. 

I understand that lenders have the right to request my credit report as part of their lending process, but I believe that these inquiries were made without my consent or authorization. I have not applied for any credit or loans during this time period and have no knowledge of any lenders or financial institutions conducting a credit check on me. 

As you are aware, hard inquiries can stay on a credit report for up to two years and can have a negative impact on my credit score, which can affect my ability to obtain credit in the future. Therefore, I am requesting that these hard inquiries be removed from my credit report immediately. 

I have already contacted the credit reporting agencies and disputed these inquiries, but I have not received a satisfactory response. I am hoping that your organization can assist me in resolving this matter as soon as possible. 

My credit report clearly shows the unauthorized hard inquiries. Please let me know if you require any further information or documentation from me to resolve this matter. 

Thank you for your assistance in this matter. I look forward to hearing from you soon. 

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

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

Account Name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have asked this company on my occasion to update my personal information. All the information is drastically different. They refused saying I havent provided accurate information. I dont know what else to do to resolve this matter other filing an complaint
Product: Checking or savings account

XX/XX/23 i deposited 2 checks. One was from my grandmother, the other my paycheck. I called the bank starting on XX/XX/23 because my account had been frozen. This is the 2nd time they have done this. When asked why, they have told me a million things from the checks being fraud or the account not having money in it. They evebtually told me they were ending our relationship and I could get my paycheck out at a branch once it cleared. After beind told a million times I had to wait 10 business days for them to send the checks back and than other 10 business days for them to mail me a check. By that time it would have been a month. It has already been a week and I have been told that I can not touch my money and they will hold it indefinitely. I need my money. There is nothing wrong with these checks. The one they sent back, I took to the bank it was from and had it cashed. My paycheck which they froze before as well eventually cleared so why are they holding it again?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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: Debt collection

The company began calling a few weeks ago on a debt from over a year ago. They call every day. I have explained to them that we don't have the money to pay them or anyone else right now. I've been polite. I've asked them to call less frequently. Still, they call every single day at XXXX in the morning. 

Last week, I was XXXX  and I am still quite ill. I very patiently explained to them that I need them to please leave me alone until I feel a little better. They are pleasant and agree and then sure enough, XXXX sharp the next morning, they are calling me again. If I fail to answer the XXXXXXXX XXXX  call, they will continue calling at random intervals throughout the day. It is now to the point where it is clear harassment on their part.
Product: Checking or savings account

I receive a letter a few days ago saying I must update my information with the bank, I must contact my banker XXXX XXXX before XX/XX/2022 or the bank will close my account. 
I reach my banker last week XX/XX/XXXX, he said that will send me the documents to sign trough docu sign, since that date I been calling him everyday and sending emails to ask when He will send it. Until today im waiting to see and get the documents to sign. I dont want to have my account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working diligently with CFPB and creditors regarding removing erroneous credit information on my TransUnion report. After working with the CFPB and the creditors directly, it was determined that the following items would be removed from my TransUnion and XXXX  report. To date the following that was agreed to remove are still showing months later have resolution was rendered. I'm asking again, to have the following items removed from my TransUnion and XXXX  Report : XXXX XXXX 60 day late payment removed from XX/XX/2013, XXXX XXXX 30 day late payment should be removed as creditor agreed that, this account should not have any late payments reported and deemed incorrectly reporting on my credit report. XXXX XXXX Case # XXXX removed as it was determined that, the ( 2 ) accounts negatively reporting should be removed as no record was found. I'm requesting that these items be removed immediately from my report as this has cause a great hardship on me personally.
Product: Credit card or prepaid card

I was charged on my American Express card by XXXX XXXX in the disputed amount of {$14000.00} from 5 separate charges from XX/XX/2017. I was building a new home. The home is completed. There has been an ongoing dispute with American Express since XX/XX/2017. I am being charged for items I never recieved and for damaged wood that I refused to use. The damaged wood was suppose to be picked up by XXXX XXXX and credited back to my account. Although, XXXX XXXX scheduled a pick up for the return, they never showed up. The damaged wood was paid via a check from my personal account. The other items were never recieved. I have asked time and time again for proof of delivery, a signature of anyone working at the site of my new home to no avail.

American Express asked me to contact XXXX XXXX directly which I did from the onset of this problem. In addition I called the person who represents XXXX XXXX XXXX  credit disputes and left her a message ( I could never get a hold of her directly, I even tried today ) she returned my call and left a message on my cell phone stating " she did not understand my calling as there was no open case for me. XXXX XXXX   had been paid in fill by AMEX in XX/XX/2017 ''. Of course this left me no leverage. I called AmEX and they reopened the case again and again and again. I simply asked for proof of delivery which XXXX XXXX can not provide as they never delivered additional products nor did they pick up the wood for return. XXXX XXXX never returned to my job site after their first few deliveries. American Express has accepted mere notes as proof that XXXX XXXX should be paid instead of actual signatures of proof of delivery. I have provided pictures of the damaged wood that caused us to cease using XXXX XXXX material. I have also attached a canceled picture of my {$10000.00} check. American Express has now sent me a letter telling me that they reserve the right to cancel my AmEx and it will never be reinstated! XXXX XXXX has many reviews stating the same problem I have from other clients. They should not be able to get away with fraudulent charges. American Express should not be able to pay on my behalf without proof of delivery. American Express should not be able to threaten me with cancelation of my card. American Express was made aware of the situation immediately and still choose to pay XXXX XXXX at my expense. Again XXXX XXXX has a reputation for billing without sending material. Just investigate online reviews.

Shame on both this companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The Fair Credit Billing Act 15 U.S.CXXXX NOTE 1601 SECTION 306 BILLING PRACTICES SECTION 161 CORRECTION OF BILLING ERRORS. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et Seq ) andOhio administrative Code XXXX XXXX Program ) XXXX Program sub section XXXX FAQ XXXX and XXXX, Consumer Credit Statutes, and subtitle D XXXX SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( 1 ) BREACH OF SECURITY. Here is the list of account s belowThe bills was covered under progressive insurance of XXXX drivers of which I was a victim being the passenger XXXX drivers insurance and the hospital assistance charity program covered my bills the billing department XXXX and XXXX are members of the Ohio XXXX Association of which i am filing complaints against them because the bills was misdirected and appropriate to me because incompetent individuals who did not follow through on their duties of making sure that all of those who are rendering services was contacted with all information which caused my credit profiles XXXX to be harmed which is unlawful under HIPPA securities policies and procedures acts as indicated above the Ohio Department XXXX is be notified of this Gross Negligence and defamation of character against me due to incompetent individuals not performing their duties and discharging their office duties as promised at date of hiring. This account should have never made it to the collection agency but it did they have this account listed twice with zero balance and then the amountsXX/XX/XXXX XXXX and then ARS Account Resolution XXXX XX/XX/XXXX XXXXAlso they collection agency has XXXX offices listed with XXXX different credit bureaus XXXX which is illegal under the fair debt collection act you can not deceive an credit reporting agencies to make the alleged debt owed to be larger than what is owed XXXX debt but with XXXX difference agencies is fraudulent and deceptive to the consumer and is very harmful and because they are not here in Ohio this is malicious against my character which is defamation of character.
Product: Vehicle loan or lease

Latest communication : XXXX ( alleged manager ) XX/XX/XXXX Confirmation # XXXX Citizens Bank XXXX XXXX XXXX, XXXX, RI XXXX I have been paying on an auto loan since XX/XX/XXXX. Payment is due the XXXX of the month. I receive a pension on the XXXX and pay via the bank website because mailing takes too long. Because the XXXX does not fall on the same day I do not use autopay. My payments are within the 10-day grace period. The bank will not adjust the due date past the XXXX. 
Suddenly this past XX/XX/XXXX my account could not be found and the XXXX payment " was removed from your account '' according to a letter from XXXX XXXX, senior v. p. president, head of Loan and Specialty Operations. ( one of two such letters is attached ). 

On XX/XX/XXXX I made a live call to customer support to make good on the XXXX payment. One digit on my checking account of record was missing. Why? This was allegedly fixed. The account was allegedly on target. 
A second no account found and removed payment letter arrived. Another live call XX/XX/XXXX logged the usual end of month logged the XXXX payment. The account number was correct. 
The XX/XX/XXXX payment was reversed and a fee added. Then on XX/XX/XXXX an automated payment came out of my bank account. I have no automatic payment set up. 
XXXX, the manager referenced above told me on a recorded line that obviously my payments have been being made. She apologized. She said she would request the fee structure ( now setr at {$190.00}!! ) be erased but she didn't have the authority. She said all I owe now is the regular XXXX payment plus one other. She said she removed the automatic payment.

I have heard nothing since. I have been working on my credit rating for more than two years following an extreme life threatening XXXX XXXX and financial reversals. I am XXXX XXXX XXXX. My credit rating took a XXXX point hit because of Citizens mysterious inability to keep an account number stable. Despite acceptance to credit offers last year I was quickly refused a XXXX loan to pay off this nearly 4 year-old car loan. Totally unacceptable and unforgiveable.
Product: Debt collection

They have people who have tried to act like they were someone else and not who they profess to be. People are very rude and not very ethical when they are talking to you
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violatons attached and listed FTC Approves Final Consent Order Against XXXX XXXX XXXX XXXX For Misleading Consumers About Cost of Cars SHARE THIS PAGE XXXX XXXX XXXX FOR YOUR INFORMATION XX/XX/2015 TAGS : deceptive/misleading conduct XXXX XXXX of Consumer Protection XXXX XXXX XXXX XXXX XXXX XXXX Consumer Protection Advertising and Marketing Following a public comment period, the Federal Trade Commission has approved final consent orders against XXXX XXXX XXXX auto dealers that misrepresented the cost of cars in advertising. 

In XX/XX/2015, XXXX XXXX XXXX, doing business as XXXX XXXX, and XXXX XXXX XXXX., d/b/a XXXX  XXXX, agreed to settle FTC charges that their ads included heavily discounted prices that were not generally available to consumers. 

The consent orders prohibit the dealers from misrepresenting the cost of financing or leasing a vehicle, stating the amount due at signing without disclosing certain lease terms, and failing to comply with Regulation M and the Consumer Leasing Act, and Regulation Z and the Truth in Lending Act. They are also prohibited from stating the amount or percentage of any down payment without disclosing repayment terms and the annual percentage rate. 

The Commission vote approving the final XXXX  XXXX and XXXX  XXXX consent orders was 5-0.

To learn more, read Buying & Owning A Car.

The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN MY IDENTITY WAS STOLEN AND SOMEONE APPLIED FOR SOME UNAUTHORIZED ACCOUNTS THAT IS NOW SHOWING ON MY CREDIT REPORT AND HAVE MADE MY CREDIT SCORE DROP A LOT SO IM ASKING YALL TO PLEASE REMOVE THESE UNAUTHORIZED ACCOUNTS OFF MY CREDIT REPORT IMMEDIATELY... .THANKS IN ADVANCE *INQUIRIES FOR XXXX AND EQUIFAX XXXX XXXX XXXXXXXX XXXX- XXXX XXXXXXXX XXXX XXXX XXXX XXXX- XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX