23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

First off I want to start by saying this is my third filed complaint with the CFPB on TD Auto Finance. I want to know when enough is enough? On XX/XX/XXXX, my wife made a payment to my account ( account # XXXX ) the payment was applied to my wife 's account for some reason, showing that I was late making my payment and behind by 2 payments when I was NOT. I called TD Auto Finance and they did not seem to help, therefore I submitted a complaint through the CFPB and I was answered and it was apparently corrected ( Please see in the attachments the letter dated XX/XX/XXXX written by XXXX XXXX - Problem Resolution Service Representative ), included in the letter was also a statement showing all my on time payments and that I was not behind. I recently received my new monthly statement for XX/XX/XXXX payment. This time my new monthly statement says I am {$3900.00} behind when I have made all my payments on time. This is by far the most ridiculous situation ever. I make my payments on time every month and I have every bank statement to prove it. I continuously have to contact the CFPB to get these situations fixed when they should be fixed in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are excessive inquiries on my account that I did not authorize, I would like them taken off asap. Here is a current list : XXXX XXXX- 4 Times XXXX XXXX-7 Times XXXX XXXX- 13 Times XXXX- 3 Times XXXX XXXX- 3 Times XXXX XXXX- 6 Times XXXX XXXX- 12 Times XXXX XXXX- 4 Times XXXX XXXX- 4 Times XXXX- 3 Times XXXX- 5 Times XXXX XXXX XXXX- 4  Times XXXX XXXX-2 Times XXXX- 2 Times XXXX XXXX - 4 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-2 Times XXXX-3 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-2 Times XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX- 2 Times XXXX XXXX XXXX XXXX XXXX and XXXX There has been fraud on my accounts since my ID and Social Security card along with the rest of my cards were stolen. I did not authorize all of these inquiries. I want these inquiries taken off of my account. I do have police reports and notifications from the detective involved who did send a notice out about identity theft and protection. Please let me know if I can provide you with anymore information. Thank you!
Product: Debt collection

Received debt collection notices of {$880.00} and {$74.00} from credit collection services for an account that I do not have with XXXX XXXX  My name is not even spelled correctly on the debt collection letters. Reference numbers are : XXXX XXXX XXXX ( pin : XXXX ) XXXX XXXX XXXX ( pin : XXXX )
Product: Checking or savings account

I had XXXX accounts with Citibank a checkings, savings for my sons XXXX which he was receiving ssi and a joint savings for me and my husband. My checkings account was hacked and a fraudulent check was made into my account without my knowledge. I had money inside my sons savings and also me and my husbands savings account, Citibank closed all of my accounts even with my funds that I had in my sons savings and my husbands savings. I was told in the beginning that I was gon na receive a check after 60 days for the remaining balance I had left into my sons savings and my husbands savings. The 60 days passed so I begin to call Citibank and ask where is my check and they told me that since my checking account ( the one that was hacked and not the other XXXX ) were in the negative I cant receive my money. And also my son received his first of the month check on XX/XX/XXXX which was deposited into Citibank savings and was never sent back to the original sender which was the Social Security Administration. This is not right at all.
Product: Bank account or service

I joined Regions Bank with the promise of {$300.00} after setting up a monthly deposit of {$500.00} and making XXXX purchases with my check card. I met the criteria on XXXX/XXXX/15 and the bank had 120 days to to honor the promotion. I asked a manager to look into it, and she said she would call me on the XXXX or XXXX of XXXX as to when I would receive the funds ... no response yet. I have a friend who joined also at the same time and has not received her money.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible XXXX XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$7500.00} ; XXXX XXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX, 2015 I went into Sams Club and they were signing customers up for credit cards. I applied and they approved me for a {$5000.00} limit. I asked what my rate was, at which time the lady told me I was approved for their 14.90 % rate. She did not give me any paperwork only verbally told me my rate and printed a new card with my account on it at the store. I then spend about {$3000.00} before I got my actual card and paperwork in the mail. The paperwork they send me said my rate was 22.90 %. I then emailed them and told them what took place. They sent me a letter and refuse to do anything about getting me to spend money on credit up XXXX rate and then switching it to another. I attempted to resolve the matter without involving the CFPB, but Synchrony Bank refuses to honor the rate I was told I was getting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX which ended up with a modification through XXXX XXXX XXXX, which intern sold the mortgage to Ditech. In XX/XX/XXXX I had to file bankruptcy ( Chapter XXXX ) due to a law suit. The bankruptcy was discharged in XX/XX/XXXX, The mortgage was not a part of the bankruptcy and my payments to Diteck were made on time consistently. In XX/XX/XXXX I contacted Diteck as I noticed my payments and history were not being reported to the credit bureaus. I told them that the bankruptcy was discharged and was told they have 60 to 90 days to stop the " code '' hold on reporting. Now I am applying for a reverse mortgage, I can not reach Diteck directly, there is a " code '' on my loan number that automatically transfers me to a third party which will not release ANY information to me, no accounting of my loan, no loan statement nor a mortgage payoff amount, and they still tell me they have 60 to 90 days to change this. There is NO obvious reason why I can not obtain a written accounting of my loan payments and a statement. The only reason I can envision is they DO N'T WANT ME TO HAVE THIS INFORMATION so the can keep my 40 year loan at the high rate of interest. This is impacting my credit score and preventing me from getting a mortgage as I need a loan statement with the loan number and the institution to apply.
Product: Mortgage

My agent submitted the ss package to Chase and was waiting for the value. We made the instructions " appointment only '' " call listing agent ''. My agent received no call, and now they are saying that an appraisal was done on XX/XX/XXXX and that was trespassing. We wanted to control the appointment since my agent wanted to show them all the damage in the home from squatters, as well as some other issues on the property. There is almost no way this will be an accurate report and the result will be a foreclosure if someone doesn't force them to do a SUPERVISED report that my agent can confirm had all the elements that affect value.
Product: Debt collection

I received a copy of my credit report and there is an account in collections from a company named XXXX XXXX XXXX I have never applied for any type of loan with this company nor have I ever applied for enrollment with a school with this name. This is not mine! I have disputed it twice with Equifax and they still haven't removed it. They are the only agency reporting this false account. They don't even report a collection company name only that it is collections. How could they even verify if they don't have a name on the account?
Product: Mortgage

During the financial crisis of 2008 I ran into problems and applied for a loan modification. I was accepted and received a lower rate for 5 years. 
After 5 years the rate increased by 1 % point per year. During those 5 years I never missed a payment. Each payment was on time. The increase of 1 % point per year has turned into a problem. The problem is that when I go to refinance no lender wants to touch the modified loan. 
I have been told that my situation is unusual in that I have made all the payments since the modification and lenders do not know what to do with the loan, therefore no one will bother refinancing me. I am at a crossroad an and looking for some guidance on what I may be able to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
Product: Debt collection

RECEIVED A BILL FRO THIS COMPANY BY THE NAME OF XXXX XXXX XXXX FOR A XXXX XXXX BILL AND i DON'T HAVE A CLUE WHAT THEY ARE TALKING ABOUT. i DON'T HAVE TIE TO DEAL WITH RUDE PEOPLE WHO TRY TO INTIMIDATE YOU INSTEAD OF LISTENING TO FACTS.
Product: Checking or savings account

I received a text from TD bank on XX/XX/2021 that they had suspicious activity on my savings account. I talked to them immediately and told them that I didnt make these withdrawals. XXXX was taken out 8 times plus 3 inquiry fees for 9.00and 8 ( XXXX ) fees for atm fees totaling {$1600.00}. I told them I thought I knew who fraudulently withdrew this money as I found out this man has a long criminal record for stealing, burglary and grand theft. I filed a fraud complaint on XXXX and also a police report the same day. 2 days later I was told it wasnt fraud. I filed another fraudulent claim to dispute this on XXXX. Once again they denied it and said it wasnt fraud they said cause they said I compromised my PIN number. I never gave this man any personal information about me. He is a convicted felon and probably somehow seen my pin. I dont know how he figured it out! So I contacted the XXXX on XXXX. They sent me a response on XXXX that Td bank still says it wasnt fraud! The XXXX county sheriffs office supeoned Td bank for the atm location so they could review the film to see who withdrew the money. On XXXX the sheriffs office contacted me to say that they would have to close the case because Td bank didnt know what atm the money was withdrawn from. XXXX said that if I couldnt get that film to show who withdrew the money on the XXXX th of XXXX, I wouldnt be reimbursed the money that was taken out of my account! I dont know what else to do. I am so very very upset and I dont think its fair that I have to go through all of this. I am the victim and I thought I did everything right to get my money back.
Product: Prepaid card

Received Amex XXXX XXXX  as a XXXX Tried to use it at a restaurant and it was declined. Called Amex to find out why. They said funds were escheated by the state and I would have to contact them. No info about what state to call or a phone number or why this happened. The card doesn't expire until XXXX.
Product: Credit card or prepaid card

Chase closed my account on XX/XX/XXXX citing my high revolving credit account balance and previous history with them after issuing me a credit card. I tried to contact Chase in order to resolve the dispute as I have continually paid my credit cards in full at the end of every statement. Chase would no reactive my cards despite numerous attempts at discussing the matter with them. The cards Chase closed have yearly fees associated with them that I paid at the beginning of the year. Chase reimbursed me {$95.00} for the annual fee for my XXXX credit card, but not my XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS REPORTING A FRAUDUELNT ACCOUNT FROM XXXX   XXXX XXXX ON MY CREDIT REPORT. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. BETWEEN THE 2 BIG COMPANIES THEY PROBABLY SOLD MY INFORMATION TO THE THIEF. I DONT EVEN KNOW THE ACCOUNT NUMBER FOR THAT FRAUDULENT ACCOUNT, PLEASE REMOVE THE FRAUDULENT XXXX BALANCE ACCOUNT FROM MY CREDIT REPORT. I HAVE NEVER ANY CHARGES OR PAYMENTS TO THAT CLOSED FRAUDULENT ACCOUNT.
Product: Checking or savings account

My Wells Fargo Debit card was stolen along with my cell phone and other belongings between XX/XX/XXXX and XX/XX/XXXX. I was not able to report the the theft of my card immediately due to the Trauma that I had suffered as well as the fact that my cell phone had also been stolen. Due to this unfortunate event on XX/XX/XXXX I visited the Wells Fargo Branch located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX in person to report that my Debit Card had been stolen. I inquired and went over several transactions with a bank representative and pointed out/ confirmed that those transactions were fraudulent and not authorized by me. The bank representative assured me that the debit card would be canceled and transactions reported. On XX/XX/XXXX I checked the activity on my account and discovered that the fraudulent transactions continued. There were numerous attempts to withdraw funds and purchase items and other services. Wells Fargo continue to authorized over 27 fraudulent transactions after I had already reported the Debit Card stolen and at any time, attempted to contact me to verified/ confirm the validity of the transactions. An approximate {$2700.00} were stolen as well as over {$900.00} in over draft fees were charged to my account. I reported and filed a claim for this lost with Wells Fargo at that very moment on XX/XX/XXXX. 
Wells Fargo later made the egregious, unethical, irresponsible decision to denied my claim. This has been an extremely traumatic experience for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : XXXX I Do not now nor have I ever had an account with this business,, this debt was previously listed under XXXX XXXX XXXX, it was removed and then placed back under a new name within just a few days, i believe these two companies are working together and placing items on credit files
Product: Credit reporting or other personal consumer reports

Hello, I have taken ZIP loan ( Line of credit ) from XXXX XXXX which was managed by " XXXX XXXX XXXX XXXX '' I have repaid amount and initiated account closure from their end. 

I received confirmation from the XXXX support team, but upon checking my credit information, my account status was not updated accordingly under credit bureaus. I have spoken with the respective team and got the conclusion that information is to be updated from " XXXX XXXX XXXX XXXX '' end. 

I coordinated both of them and received response as they have updated information as closed but still its showing as Active status under my report I have attached confirmation chats from XXXX support and the latest XXXX report for your reference. Its been ages, and the issue still persists, Due to this, my financial planning has been impacted, and I couldn't go for a new loan. When I tried to go for a new loan application, it got rejected and impacted my score again. I really exhausted explaining things to credit bureaus, and I need compensation and also resolution from both ends.
Product: Credit card or prepaid card

Ive been to an establishment here in XXXX Hawaii several times where the person charging the card has either intentionally over-charged or made a mistake. I notify my credit card company ( Citibank ) of the over charges and they have all but these last two times stopped the payments. The payments total {$4500.00} dollars from the dates of XX/XX/XXXX and XX/XX/XXXX. I spoke with a representative twice who said they are investigating but the charges have not been removed after 2 weeks now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have audio recording from managers stating my information is not in their system. ( Their is no reinstallment contract ) They have no original signatures of mine. 

I have recently sent an affidavit to XXXX XXXX XXXX on XX/XX/2023, but despite waiting for 30 days, I have not received any response from them. I made attempts to contact them earlier to confirm if they had received my mail, but I was informed that I could not speak with them without legal representation. As per my understanding, an unrebutted affidavit stands as truth, and now that it has been 31 days with no communication from the company, the matter is still unresolved. 


I am determined to pursue the claims mentioned in my affidavit, and I am looking for guidance on how to take legal action against the company if they continue to avoid resolving the matter. It is imperative for me to seek a resolution to this issue promptly, and I am willing to take all necessary steps to achieve that.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1. ) After a second review of my Experian credit report I've found these Hard Inquiry which I did not consent to : Please be advised these are not " Statement Of Fact '' .. FCRA Rules state that any information can be disputed and must be investigated. Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission. 15 USC 1681b [ C ] [ 3 ] ( 2 ) INFORMATION REGARDING INQUIRIES Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 15 USC 1681s-2 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Vehicle loan or lease

I financed a vehicle through bridgecrest with drive time and paid a cash down payment but when I looked at my statement it was posted that it was a credit transaction.which the down payment was not applied to the loan in which it wasn't. This makes the contract null and void
Product: Debt collection

XXXX has repeatedly over charged me for almost 3 yrs. & declined to accept responsibility or adequately fix the problem. They disconnected my service in XX/XX/2013 & continue to say yrs. later that I owe them {$200.00} for which I do n't. They never atoned for the over charges to my account nor fixed the problems that continued to over charge me on " specials '' that they supposedly gave me & reniged on each month. I reported them to the FCC numerous times yet they still failed to correct the billing errors. They continue to send XXXX party collectors after me who harass me by phone for a month or more, then begin sending letters, then ding my credit if I do n't respond which I do n't. This will be the XXXX 3rd party collector they 've sent after me that 's failed to collect on the debt. I told this co. not to call me again. They harassed me 10 times a day with robocalls even when their office was closed on the weekends! I told them I do n't owe XXXX money & to leave me alone. They continue to harass me ignoring what I said. I refuse to pay them or XXXX anything! If anyone owes anyone money, XXXX owes me for over charging me for almost 3 yrs. for their service when they set me up on specials that seemingly expired the next month. I do believe that 's called bait and switch. I want this collection co. to back off & if they ding my credit I will hire an attorney & sue both them and XXXX once & for all. I do n't owe them money & will never ever pay them! They 've been sending their pit bulls after me for more than 2 yrs. enough is enough! It has to stop. Each time they sic a new collector on me I 'll get an attorney & report them to whomever for harassment. They need to drop this debt & move on to something they are able to collect. This one will never come to fruition!