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

Hi, In reliance on an XXXX ad by TD Bank ( attached below ) in early XXXXXXXX 2023, I applied for and received a TD Bank XXXX credit card. This credit card offers 0 percent interest for 18 months. I then downloaded the TD Bank app so as to be able to do a balance transfer, but each day when I check about doing a balance transfer, the page indicates that no balance transfer offers are available. 

I wrote to TD Bank on both XX/XX/2023 and XX/XX/2023 to inquire as to why I do not have any availability to take advantage of the 0 % interest rate for 18 months by doing a balance transfer. The only response I received, on XX/XX/2023, was a generic one, indicating that they would look into the matter. I have not heard back since. In my opinion, I consider this to be false and misleading advertising, and in essence, resulted in a bait and switch in order to lure me to apply for and receive this credit card. I refused to make any charges on this credit card because the sole reason I applied for and received this credit card was to take advantage of the 0 % interest rate for 18 months as had been advertised. 

I hope that you investigate this matter and determine whether TD Bank has been fraudulently misrepresenting the terms of its XXXX credit card, to the detriment of consumers in Massachusetts and elsewhere. Thank you very much for all your help. 

Please feel free to contact me with any questions or comments : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX, cell phone number 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 XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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: Debt collection

I have been getting about 10 to 20 calls a day from XXXX Jewelers. I asked a month ago to stop calling. They did n't and I continued to get mass amounts of calls. From so many numbers I could n't begin to catch them all. I spoke with a supervisor today and told them I was getting around 15 calls a day and he literally said no we rarely call more than 10. I explained my situation and he said I should return everything. I explained I no longer had it. My husband died in 2016, I lost my job in 2016. I expected to get unemployment for a year but it turns out it was 6 months. They also admitted they called from multiple numbers daily. I am getting the same from XXXX bank those numbers come in unknown or blocked or unavailable. I am so scared to answer the phone, get the mail. I 'm already taking massive antidepressants I ca n't handle the stress. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

While reviewing my consumer report I noticed that I had two late payments on an account that I wasn't late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I've included screenshots of the said dates I was allegedly late XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, these payments should be updated to paid as agreed on time providing accuracy in the reporting. Thanks, and see screenshot attached. 

15 USC 1681e : Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

I used a XXXX party Check system that uses a check XXXX process, when using this service with my bank the bank stated that the check deposited was counterfeit. The company ( XXXX  ) proved that the process that is held was not only an honest process but very compliant. The initial check deposit from them was for {$50000.00} and Truist placed a hold on that check also has placed a block on all of my personal and business funds that ive deposited that pre date that check deposit. I have reached out countless times expressing the volume of damage that Truist has done by withholding my business and personal funds in where I can not cover my basic expenses. I am given deadlines and time lines are not being fulfilled alongside this I am being told hat I must await for an " XXXX '' to reach out to me in regards to my claim with no other supporting dates. I have provided a plethora of information proving that there is no fraudulent activity that is on my account and I have baked with Truist for a sum of 8 months now with no error, claim, dispute, case, or block on my account at all. Truist continues to push me off and not clarify the reason of the hold and constant block of ALL of my funds even though it has been proven that the 3rd party system and the check used was in fact not counterfeit. Truist is now stating they are investigating as whether to release MY funds that rightfully belong to me as no other parties are or have contested that these funds belong to them. I was also informed when visiting the home branch that the initial operations manager did not like me and that she also verbatim tried it in regards to not even letting obtain capital from my own account in which I have had problems with my account since by being discriminated ( I have recordings and also photo screen shots of correspondence with lead bankers of this operations manager stating to not personally like me due to m being young, XXXX XXXX, and running a business ) and also not having adequate responses on as to my funds that pre date this check are not released. Supporting information has been provided in regards to every single merchant deposit that was not cash into our account also a thorough break down of how our services work with proof of communication to all customers that we have received large payments from.
Product: Credit card or prepaid card

On XX/XX/2022, I ordered model XXXX XXXX  from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$240.00} using my Discover Card. In XX/XX/2022, I received the item but the item was damaged and in XXXX package, not in XXXX XXXX packaging. I notified both the seller and Discover Card. The seller told me I had no right to contact my Discover Card company. I stated that I needed to inform discover because they paid for a damaged item. The seller refused to discuss the problem with me and contacted the Discover card company directly. 

Initially, Discover gave me credit for the full amount. Then a month letter they sent me a letter which states that transaction is valid, and took away the credit that they gave me. 

I called and informed them again the product was damaged and in the wrong box. I asked them, what they want me to do next. They told me send the item to seller. I sent the item to the seller by US Postal services. After the item was delivered I sent Discover the tracking number which shows the item was received by the seller. Discover asked for a written confirmation from the seller. I sent an email to seller to confirm that they received the item. The seller sent an email indicating that they received the item. I sent this information to Discover but discover said that they already closed the account and can not do anything. 

More than 60 days have passed, my credit card still has not been credited for the damaged article that was returned, in spite of the fact I have forwarded them receipts of the returned product. So my credit score dropped from XXXX to XXXX. 

I would like my credit card credited for the purchase of the damage product that I proved was returned. Additionally, I would like negative impact on my credit rating corrected. 


XXXX XXXX
Product: Payday loan, title loan, or personal loan

When trying to make payments to catch up loan and pay off, a representative advised that they increased my credit ( cause it was a flex loan ) and I advised that I did not request that! They illegally increased my credit to process a payment toward the loan ; therefore causing me to incur more debt and longer payoff time. 
Since they illegally increase credit and then used that credit to make a payment on the account, then I was not able to catch up payments.
Product: Mortgage

XXXX Freedom Mortgage acquired our mortgage for XXXX XXXX. XX/XX/XXXX our mortgage payment increased by {$110.00} to cover a shortage in the escrow. Freedom Mortgage would not provide a reason, and referred us to the insurance company. The insurance company said it was 'inflation '. We revisited this question with Freedom Mortgage and we were told that our property taxes had doubled. Upon contacting the local tax office, that was not the case. We were told that we have only have to pay {$110.00} for 6 months to cover the shortfall. We should have had an excess balance in escrow, we did not. In XX/XX/XXXX, XXXX XXXX raised our insurance policy by {$700.00}. We changed our insurance to XXXX starting XX/XX/XXXX. By this time, FM had already paid the yearly insurance payment to XXXX. XXXX sent a check to us in XX/XX/XXXX. We paid FM that {$1900.00} to cover the new insurance payment to XXXX as they had already invoiced FM. FM did not pay XXXX until XXXX of XXXX. In XXXX, FM has increased our mortgage payment by another {$180.00} stating that we were short on escrow again. Upon further examination on the FM website the {$1900.00} was credited to our account, however the paper statements do not show that deposit. Presently, FM has requested that we prove to them that we paid them the {$1900.00} in XXXX of XXXX, even though their online system shows that they have received it. Our mortgage has increased by {$300.00} in 3 years. I have filed a complaint with the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Student loan

On XXXX XXXX, XXXX, I received a call from a caller labeled " Unknown Name '' XXXX. The caller stated he was from a collection agency, and he was fumbling and unprofessional, which made me immediately suspicious. He then stated that I was in default on my student loans and they knew where I worked and would resort to garnishing my wages if I did n't pay. I stated my student loans were all current and I have no loans in default, and that I had successfully completed a rehabilitation program to get my loans back in good standing, and I have made on time payments for the past 6 months. He was insistent that I was in default to the amount of {$16000.00} I knew this to be incorrect and stated i 'm not paying anything, and if wants me to do anything I needed a written statement from his company to compare with my own records. He asked if I would call him back, and he stated they closed at XXXX, which struck me as VERY odd, as most agencies are open into the evening to accommodate people and their work schedules. Yesterday I received a letter from Allied Interstate LLC, XXXX, XXXX XXXX, XXXX MN XXXX. They are asking for {$16000.00} for a loan whose total balance is only {$10000.00}. It 's as if their information is 3 years old. I suspect the entire thing is a scam and they are not legitimately associated with XXXX, the company that services my consolidation loan.
Product: Debt collection

ERC ( Enhanced Recovery Company , LLC ) is attempting to collect a debt in the amount of {$1200.00} ( Ref. Number XXXX ) from me for the creditor of XXXX   XXXX. I never spent or made any purchases in this amount through either the bank or through XXXX. I have called XXXX and confirmed that there was never a charge in this amount on my account. 

They called me at my employer and I told them I thought they were a scam and wanted more detailed information. They now sent me a letter in the mail for a collection notice.
Product: Credit reporting or other personal consumer reports

This credit card account is paid in full and closed. The monthly payment is due on the XXXX of every month and I made 2 payments in the last billing cycle. One for about {$500.00} and one for about {$6100.00} to pay off the rest of the balance. The company once again marked me late and attached is my monthly statement directly from the company as well as a form from a phone representative supervisor who went over my account and told me I need to dispute it with the credit bureaus. My credit is continuously damaged by this account wrongfully reporting on my credit report and is making it very difficult to buy a home. This is a direct violation of 15 U.S. Code 1681e - Compliance procedures. The company has shown a track record of not reporting properly and I have filed multiple complaints which are all in progress. I request that this account be completely deleted off of all my credit reports or at the minimum remove the last late payment and update to paid on time.
Product: Debt collection

I am writing to formally request the removal of late payment entries from my credit report for the following accounts XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX I take responsibility for the mentioned late payments. In the spirit of fairness and goodwill, I kindly request your assistance in reevaluating these entries.
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. 

XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX / XXXX XXXX XXXX XXXX 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 REQUESTED MY CONSUMER REPORT AND SAW THAT THERE WAS INACCURATE INFORMATION being reported that I as the consumer not notified about before reporting. On XXXX XXXX XXXX   I sent out a debt validation letter to XXXX XXXX XXXX the debt collection agency, and have not gotten a response since. I reached out to the credit reporting agencies after 30 days, requesting proof of the account, the method used, and certified receipts just proof as to why the inaccurate account was still reporting, I was told by the credit reporting agencies that the furnisher validated the account and its final as if I the consumer have no legal rights to my consumer file. The consumer agencies are ABOVE LAW by not following the law. All this back and forth without a solution has caused me XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I went through the process of being pre-approved for a Venture One credit card. I was pre-approved and my credit score was close to XXXX when I applied. However, even though I had excellent credit history, made no late payments, they denied my card. I got. a hard inquiry on my card and no valid reason for why my card was not approved. This hurts my credit even more and I met the requirements to open this card. I applied first time on XX/XX/XXXX and then called XX/XX/XXXX for reconsideration, both times I was not approved, but I was pre-approved.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name XXXX XXXX XXXXXXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, OR, XXXX Incorrect XXXX - XXXX XXXX XXXX XXXXXXXX, NJ, XXXX XXXX XXXX - XX/XX/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 XXXX XXXXXX/XX/XXXX
Product: Debt collection

I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to XXXXCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication XXXX in regards to Account name XXXX XXXX Account # : XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.

Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. 
If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.