23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a letter from XXXX XXXX XXXX ( servicer to TD Bank XXXX, NA XXXX dated XXXX XXXX, XXXX. It is styled like an official letter having to do with my account ( it was not styled as a promotional mailer ). It stated : " We noticed that you have n't used your XXXX Credit Card in a while so we wanted to ley you know that it 's our policy to close accounts that are inactive for a significant period of time. To prevent your account from being closed due to inactivity, you need to make a purchase with the card. '' The letter then went on to detail some current promotions. 

I believe that this letter was a deliberately misleading attempt to induce purchases on the credit card. I do not believe that there is a written " policy '' on activity. I could not find one on the website, it is not part of the credit card agreement and finally, when I called an agent, she was unable to provide me with or direct me to a written policy. Rather, when I asked the purpose of the letter, she explained that instead XXXXt wanted me to know that I should use my XXXX credit card to do my holiday shopping and to take advantage of promotions. 

I believe XXXX / TD Bank is trying to manipulate people in to using this credit card instead of using other forms of payment at XXXX. I come to this conclusion for a number of reasons : I am a card holder in good standing and with excellent credit, my credit card says " Good through XXXX '', I made a purchase within the last 9 months, no other credit cards send me mailings of this nature and I was unable to find a " policy '' of inactivity. But most of all, I believe it is a manipulation because it really worked! I started to think about how and when I could get to a XXXX to make a purchase so that the card would not be taken away from me. But then I started to think more objectively about the situation and decided to investigate. I believe others will be fooled and persuaded into putting purchases on a XXXX card when they would have preferred other methods of payment. 

In conclusion, I do not think XXXXTD Bank should write vague letters about unverifiable " policies '' that govern a credit card that are more likely attempts to mislead and manipulate people in to using their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the company a certified letter back on XX/XX/2022, and it was received on XX/XX/2022, but I never got any response in regards to what I was asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX  XXXX  XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Product: Vehicle loan or lease

Hi! So I'm making regular online payments on my auto loan faithfully but now the company says they will be charging a fee if I don't sign up for automatic electronic payments. 

Is this legal? 

I thought we had a choice in how we make payments.
Product: Vehicle loan or lease

I have attempted to recover my car from Chase Bank and XXXX XXXX in XXXX Ohio. The tow company told me to contact the bank, and that XXXX XXXX was open until XXXX everyday Monday through Friday. We made a payment on Friday, XXXX XXXX, XXXX for the rest of the car at the price of {$4700.00} at XXXX right when the bank opened. Chase had then called XXXX XXXX  to release the car and that I should wait 15 minutes before contacting them to pick up the car that day. I had called XXXX XXXX at the following times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX on XX/XX/XXXX, and left 6 voicemails, along with an online submission to schedule a pick up for my car. I had no contact back. 
I did not call Saturday, Sunday, and Monday because they were closed. 
Today, Tuesday XXXX XXXX XXXX, I had called XXXX XXXX at the following times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I left 6 voicemails as well, making a total of 12 voicemails. 
I called chase several times to see if they can get in contact with the company, they said they are attempting to. I need this to be resolved ASAP.
Product: Mortgage

Having been trying to get PMI - Private Mortgage Insurance removed from our mortgage. Due to a cumbersome bank process, changing their criteria, and intimidation from PNC ( letter attached ), we felt we needed to contact someone to make sure this process is compliant with current regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX. USC 1681 Sec 602a states that I have the right to privacy. 15 USC 1681 Sec 604a Section XXXX states that a consumer reporting agency can not furnish an account without my written instructions. 

Ive spoken with XXXX  and confirmed I never opted in to reporting and that Pursuant XXXX XXXX I was never given proof of my ability to opt out of credit reporting which is a violation of my rights. The credit bureaus are working with this company to defame me and have ignored all requests to rectify the situation without federal litigation.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and CREDIT COLLECTION SERVICE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On Saturday the XXXX of XXXX. I entered into a Bank of America branch to deposit a cashiers check in the amount of {$6000.00} into my business checking account. I was told by one of the employees there that the funds would be available on Tuesday, XX/XX/XXXX. On XX/XX/year> I went onto my mobile account to ensure that the payment was going to post to my checking account as promised. I see that there was a post made by Bank of America stating that funds would be available on XX/XX/year>. When I work up the morning of the XXXX, only to find that they are now holding my funds until the XXXX XXXX XXXX. I went into the local branch and spoke with a representative about the matter after sitting there for 45 minutes. The rep called over to XXXX XXXX and they did confirm that the funds was there but would not release them until the XXXX XXXX XXXX This is unacceptable for them to hold my business funds for an entire week. I have bills and XXXX to pay. I am late on my XXXX vehicle payment as well as with my venders. This is causing my XXXX  to fail and no one seems to care. I am a XXXX XXXX XXXX that is just trying to make it in world. What an American dream this is!!!
Product: Debt collection

The collection Agency has failed multiple times to send me the requested documentation to verify the debt according to USC Section 809 of the FDCPA, USC Section 623 of the FCRA, and the Code of Federal Regulations 16 CFR Part 660. I  have requested documentation to verify the debt in XXXX of 2020  and of XX/XX/2020 in which this company is now in violation. I did a final request in this month of XXXX 2020 requesting the items below : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide complete payment history, starting with the late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. Copies of all documents and financial instruments used to pay on this debt.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority in your local State and the State of North Carolina to collect on this alleged debt, and proof of acquisition by assignment or purchase.

6. If this debt was purchased a copy of the purchase contract from the original creditor.

7. What did you pay for this account, and how did you calculate the current amount owed?

8. Finally, please provide a detailed list of services performed that represent your alleged balance of {$300.00}.

Therefore, due to their lack of compliance of beyond 90-days without forwarding the properly requested information I'm requesting to have the item removed from my credit report or I will obtain an Attorney for legal action.
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

My husband and I disputed many accounts and inquiries on XXXX, Experian and XXXX  in XXXX, 2017. They had 30 days to investigate and prove the accounts belong to us by sending us original contracts for each account. They have failed to do so therefore, by law they must remove the accounts we disputed which they have not. It has been about 90 days. This has damaged our credit and we would like help. Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

in 2017, goin thru a divorce, divorce decree signed by judge stated that ex spose was to sell house or refinance within a year and hold me harmless, that didnt happen, forclosure se sent it to,,, i cant get help getting it off my report.. its her responsibilty and action for this mess ...
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights by reporting a fraudulent collection account to Transunion credit bureau. I have no open account with XXXX XXXX, nor have I ever done business with XXXX XXXX and/or with any business it may be representing. XXXX XXXX recently reported that an account was opened XX/XX/year>, with XXXX XXXX as the original creditor. I have had no communications of any type, and no business of any type with XXXX XXXX before its reporting of said fraudulent collection account to the credit bureau in the amount of {$1300.00}. I have received no communications regarding this fraudulent account from this fraudulent collection company. XXXX XXXX has violated my rights under the following codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. XXXX XXXX has violated my rights by continuously reporting an inaccurate collection account to Transunion credit bureau. 15 U.S. Code 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax// XXXX XXXX XXXX Told me they close my account out XX/XX/2018 and reported To the credit bureau that the account was closed paid and delete it still shows balance of XXXX And still reporting late damaging my credit score Called and spoke with the Vice President of the company he told me I owed XXXX and settled the account for less than and personally takes care of reporting to the credit bureau and he did so And he has paying customers to get to and hung up
Product: Debt collection

This company reported collections fees on my credit report when the debt doesnt even belong to me. Never received anything in the mail about me owning the company. I also look them up on Texas bond website. This company doesnt even have a active license in the state of Texas to collect debt.
Product: Credit reporting or other personal consumer reports

I am submitting this comment to the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing issues with inaccurate, inconsistent, and incomplete information on my consumer report. I have disputed these errors three times, on the following dates : XX/XX/2024, XX/XX/2024, and XX/XX/2024. Unfortunately, despite my efforts, the disputed accounts were either marked as verified or accurate, yet they continue to be reported with additional incorrect, inconsistent, or incomplete information. 

I am providing this final opportunity for the credit bureaus to resolve this matter by removing these inaccurate accounts from my consumer report. The accounts in question are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my prior disputes, the information remains incorrect and is severely impacting my credit standing. I kindly request the CFPBs assistance in ensuring that the credit bureaus take appropriate action to correct these inaccuracies and remove these accounts from my credit reports. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Dear American Express, I would like to report the Business Platinum Amex Card Account ending in XXXX in my name ( XXXX XXXX XXXX ) as fraudulently opened. 

I did not authorize this account to be opened in my name and ALL transactions on this account were done by XXXX XXXX an extended family member and were done without my permission and, therefore, were fraudulent. 

She made these transactions for her renovation and project without my permission and opened the account in my name without my permission. 

Furthermore one of my many bank accounts were used for all the payments for this credit card account, therefore, I would like all payments made on this account returned to my Bank Account given said transactions were made without my permission and the account was opened in my name without my permission as well. 

Please immediately mark all transactions on this account as fraudulent as well as remove me from being liable for this account, and return all payments to my bank account used for the chase credit card account, and mark the creation of the account as fraudulent and as it being an account opened having stole my identity. 

Thanks. 

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

TransUnion deleted obsolete re-aged accounts and I received an alert from XXXX XXXX. I logged on to XXXX XXXX and was astounded that the obsolete re-aged accounts that were deleted, 10 of the accounts reappeared on my TransUnion credit report.
Product: Prepaid card

I have filed a dispute with Chime regarding a transaction through XXXX. The item was a signed XXXX XXXX movie poster by XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Because XXXX only offers a 14 day return policy I submitted a photo of XXXX XXXX signature to XXXX and they advised it was not likely to pass authentication. I had received the poster and submitted the XXXX opinion and the opinion of a well respected XXXX group that indicated that this item was NOT authentic. I submitted this to XXXX and they locked me out of my account because I filed a dispute with Chime and after submitting the evidence denied the return because they said they did not have any evidence to indicate it was not authentic and would not allow me to submit any additional evidence because they greatly limited my account due to the chargeback request. I have filed a rebuttal with chime after they twice denied my claim. This time they were supposed to render a decision by XX/XX/XXXX. A week ago, they submitted a request for information they already had thus extending the deadline for a decision until novemeber XXXX. I feel this is fraudulent activity by Chime and they have refused all request to speak with the investigation team or provide me with information XXXX sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint against XXXX XXXX and its practices. The second complaint is that XXXX XXXX still hasn't updated our credit with the three major credit agencies XXXX, XXXX and XXXX. There records don't show any updates or record of mortgage payments made. XXXX and there Corporate Staff Attorney wrote to an investigator from the XXXX XXXX XXXX and XXXX stating that XXXX sent notification to the credit agencies and to let 15 days pass from XX/XX/2022 so the agencies can reflect the adjustments to my mortgage payments made. In other words my credit should show current and not delinquent. I was surprised to hear that my credit is still in negative standing. Once again irresponsibility on XXXX 's part this is unbelievable, unprofessional and unethical. Fighting to keep my home as they never processed the payments right, and threatening us with foreclosure and with the help of the CFPB and the XXXX XXXX XXXX XXXX XXXXXXXX it was all taken care of. I know through experience this takes time to take care of but time is of the essence, I have XXXX loans to apply for and other personal matters that my credit needs to show that I was always current. XXXX has failed to show proof after they sent me a letter stating that they did. I need this resolved!! 
Thank you once again XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX report has multiple delinquent from Sychrony bank and XXXX XXXX.Cfpb already intervened directly between companies and they agreed to remove delinquent off all three reports but it is still on my transunion reports. XXXX agreed to remove accounts off all three reports.
Product: Checking or savings account

I would like to refund the {$220.00} amount that being charged from my checking account which was unauthorized transaction being made from the Mercari company. 
Thank you so much. 
My best regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account and addresses was opened without my permission. 

Transunion Address XXXX XXXX XXXX XXXX XXXX  XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX Closed account XXXX XXXX XXXX  Date open XX/XX/2020 XXXX : {$15000.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX
Product: Debt collection

I made my first payment with this company. When the second payment rolled around, I called in to see what payments extension options they had for COVID related issues. I was informed that they would push my current amount due out for 60 days and assured me there would be no payments reported late. Unbeknown to me, I checked my credit reports recently and saw that they in fact did report my payments late and that they are not even recording my initial payment as being paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX