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

This is a follow up to my complaint # XXXX that you closed. This complaint was not resolved and was closed. TD sent the attached response on your website. They stated they sent the consumer a letter. They never did. I read it on your website. Limited information was provided by TD Bank as to my complaint. The signed letter from XXXX XXXX, VP of Global Security & Investigations does not have and address or phone number on it. No contact information to follow up the investigation as to where my money is. The letter also noted a XXXX XXXX, Sr. Investigator was working on this. Again, no phone number or contact information. TD and XXXX XXXX seem to be keeping me out of the correspondence loop intentionally. I need answers from TD Bank. I want to know if they received the Hold Harmless/Indemnification form from XXXX XXXX as requested. I want to know why this was needed and what does this have to do in relation to my account. Is this to reverse funds back to my XXXX XXXX checking account from their customers fraudulent account?
Product: Student loan

Once my forbearance ended, I applied for another one. Navient denied my forbearance request. I spoke with Navient on the phone and was told my payment would be around {$120.00} per month. I explained I could not pay that and I was told that was as low as they could get it due to my income. I explained that although my income is fine, I have other bills and there simply is n't {$120.00} left over to pay this. They refused to work with me so I told them I would pay them what I can each month. For several months, I paid {$50.00} as that was all I could afford. Once my husband received a raise and I also received a raise, I began paying {$150.00} a month, the {$120.00} plus a little extra to help make up for the other months I paid {$50.00}. Navient is still calling me daily, emailing me with forbearance forms to fill out even though they have repeatedly denied them and sending me delinquency notices. To make matters worse, they are reporting me every month to the credit bureaus as being XXXX days late. Navient last reported me XX/XX/2016, since XX/XX/2016 my credit score has dropped XXXX points and the only negative I have on my credit report is Navient. My husband and I work very hard, we pay bills and buy groceries and thats it, yet we still live paycheck to paycheck and now I have a dwindling credit score to add to it. At this rate, I will have no credit score by the time Navient is done. This is absolutely ridiculous. I have tried to get Navient to work with me but they simply do not care. I 'm going to have to call them AGAIN just to be told by some rude customer service rep that there is nothing they can do. I understand I owe them over {$700.00} from the months I only paid them {$50.00}, but I am paying more than my given payment amount in order to pay that down and I do not feel that my credit score should suffer every month just because of this. Navient does not care about anything but getting their money. I am doing the best I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to improve my fico score so I can move my family into a better living condition. 
I have taken steps to call all the creditors on my report that are showing negative on my fico score. Each one stated I would have to dispute the account so they can move forward to delete, remove, or erase it from my report with their response. I have a copy of the creditors that were deleted from my XXXX Credit Report to show the creditors that responded back with the delete, remove, or erase statement. I have called several times to XXXX, Equifax, XXXX on XX/XX/2021 and on XX/XX/2021. On XX/XX/2021 I got a copy of the revised updated report with the same old information?
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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. 
Company Inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00}, XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$530.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I don't have any contract written, verbal or otherwise with any of these collection agencies. Furthermore, the improper use of my name with erroneous alias 's. Outdated addresses and phone numbers. 

Account name : XXXX XXXX XXXX reference # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX reference # XXXX, Account name : XXXX XXXX XXXX reference # XXXX, Account name : The Bureaus Inc.reference # XXXX, have 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: Checking or savings account

On XX/XX/2021, I received a request for a wedding photography booking from a XXXX XXXX via XXXX XXXX XXXX. She said her boss was going to send the down payment {$500.00}. On XX/XX/2021, when I received the check, it was for {$2700.00} instead of {$500.00}, and she said her boss had accidentally included the XXXX XXXX XXXX XXXX  in my check. Instead of voiding it and telling her to resend my payment as I should have done, I tried to be gracious and deposited the check into my USAA savings account, then followed her request for me to send {$1600.00} to the makeup artist and keep {$1100.00} instead of {$500.00} for myself ( as a larger downpayment towards the {$2200.00} total fee for their wedding photography bill ). On XX/XX/2021 I sent {$1000.00} from my bank, through XXXX, to a XXXX contact she gave me ( XXXX XXXX  ). XXXX would not allow me to send more that day, so the next day on XX/XX/2021 I sent {$650.00} to another XXXX contact she gave me ( XXXX XXXX, XXXX ). 

Later in the day on XX/XX/2021, XXXX texted me and saying that the wedding venue canceled the venue because they are unable to have the wedding due to covid19 regulations. She said they would like to give me {$150.00} for inconvenience fees but needed the rest of the money sent back. I tried sending to the XXXX  accounts they wanted but XXXX kept flagging those accounts as suspicious, so I told them I would sent via XXXX. On XX/XX/2021 I sent {$850.00} to them via XXXX, to the XXXX XXXX contact. On XX/XX/2021, she said they needed me to only keep {$150.00} as an inconvenience payment, and send the remaining {$100.00} back to me via XXXX. She asked me to change my settings to get around the XXXX flags. I sent {$100.00} via XXXX, and on XX/XX/2021 they asked for all the money back so I sent the final {$150.00} through XXXX with my XXXX XXXX XXXX XXXX account ( XXXX was maxed out so they asked me to go that route with PayPayl ). The XXXX {$150.00} was sent to a XXXX XXXX ( XXXX ) and XXXX was to XXXX XXXX ( # XXXX ). 
On XX/XX/2021, I realized their {$2700.00} check bounced when my savings account went into the red. And it all clicked. I feel so stupid but have a tendency to believe the best and trust people. This whole experience has helped me set up a better plan in place for payments to my company. 

{$1000.00} XXXX to XXXX XXXX {$650.00} XXXX to XXXX XXXX {$850.00} XXXX to XXXX XXXX {$100.00} XXXX  to XXXX XXXX {$150.00} XXXX to XXXX XXXX = {$2700.00} taken. 

My USAA bank will go after the scam but will not refund me the lost funds. I am looking to try and get the money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX, I mailed a letter to XXXX, XXXX, and Transunion to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting or other personal consumer reports

I paid XXXX XXXX XXXX off of XX/XX/2021 they have that I did not pay them off and this account is too old to be on my credit report
Product: Checking or savings account

FIRST WHEN I WENT TO GET A TRUCK IN MY NAME I WAS ASKED IF SOMETHING EVER WAS TO HAPPEN TO ME IF I WAS WILLING TO LEAVE EVERYTHING TO MY HUSBAND.

SECOND I WENT TO A CREDIT UNION AND THE BANKER STOLE MY TWO YOUNGEST CHILDREN MEDICAL CARD AKA INSURANCE CARD.

THIRD WELLS FARGO BANK TOLD ME THAT I SIGHED OVER EVERYTHING TO MY HUSBAND WHO ABANDONED ME. AND THAT I HAVE NO CONTROL OVER MY FATHERS LIFE POLICY.

FOURTH BACK IN 2021 I FILLED A LAWSUIT WITH THE STATE, I SIGNED PAPERWORK WITH A PARALEGAL WHO I KNOW IS HIDDING MONEY OR SOME SORT OR ASSETS. I NEVER GET TO SPEEK ON BE HALF OF HOW ITS AFFECTED MY MENTAL WELL-BEING. IM TOLD TO CONTACT MY SOCIAL WORKER. FROM THE LAST TIME I CHECKED I NEVER HAD ANY MENTAL DISABILITY.

Fith I was told that I have a dishonorable check at DMV/ DOL. I'm tired of my civil, federal, due processing rights being violated to the maximum extent even as a formal foster child. My federal sealed records was open when never directed. I gave no permission nor was advised. That records was going to be destroyed for personal gain or losses. I do believe I had a good significant amount. That I want compensated and returned.
Product: Student loan

I went to XXXX University XXXX XXXX, FL campus. I was forced to take a loan from XXXX XXXX XXXX. The loan amount was {$3000.00}. My loan was then sold to University Accounting Services. I paid the amount in full.A settlement agreement obtained by the Consumer Financial Protection Bureau ( the CFPB ) gave a 40 % off discount. I did not receive this discount. XXXX XXXX has since then shut down and their website does not work. University Accounting told me that when my account was transferred over, I got 40 % discount. This is false and they have no documentation proving so. They refuse to refund me 40 % of the balance because I paid in full.
Product: Vehicle loan or lease

I didn't authorize this hard inquiries and didn't receive the service expected. This took place on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit inquiry made on XX/XX/2018 from XXXX shows on my Equifax credit report. Another credit inquiry made on XX/XX/2018 from XXXX shows on my XXXX credit report. Both of these inquiries were made fraudulently by someone with my personal information attempting to open credit cards under my name. I have alerted both XXXX and XXXX to let them know these were fraudulent and both companies stated that they would have the credit inquiries withdrawn from my credit profile, which they have not yet. I have placed a 90 day fraud alert on my credit profile with all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

In ordnance with the Fair Credit Reporting Act XXXX has violated my rights. 
Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX  Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. States it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

I had a vehicle financed through First Investors. I was in a car accident in XX/XX/2021 in which the vehicle was totaled out. In XX/XX/2021, I was told by First Investors that the gap insurance claim was denied and that I would still have to cover the remaining balance ( approximately {$1400.00} ) on the account. They also informed me that since the gap claim was denied, they would apply a refund check in the amount of about {$370.00} and that it would take 6-8weeks for them to receive said check. I later found out from the company that provides the gap insurance that First Investor NEVER filed a gap claim as they had stated to me. Because of their dishonesty and giving me misleading information, Ive now missed the opportunity to possibly have the remaining balance paid off by the gap insurance, which I was entitled to if the claim had of been filed and approved.
Product: Mortgage

Hello, New rez llc is my lender. Sold house XX/XX/XXXX. Lender has still refused to provide me my escrow amount. 
NR stated they mailed a check. Never received until very late. I had already called to tell them I never received it. 
Check was canceled and direct deposit was offered as an option to recover escrow amount {$4200.00} They told me it would be direct deposit XXXX Business days. 
Called several times trying to find a resolution and get the runaround each time. Always tell me they have escalated it up and filed a customer complaint. But still no resolution. How many times do I need to call? 

Thank you
Product: Credit card or prepaid card

I AM GETTING NOTICES THAT EQUIFAX HAS SOME NEGATIVE INFO ON ME FOR PAST DUE PAYMENTS FOR AN ADDITIONAL XXXX  XXXX XXXX ACCOUNT WHICH I NEVER OPENED. THIS INFO IS SHOWING UP WITH EQUIFAX BUT NOT WITH XXXX I WOULD LIKE THIS REMOVED. 
THE ACCOUNT ENDS IN XXXX AND HAS A XXXX CREDIT LIMIT AND PAST DUE AMOUNT OF {$140.00} DOLLARS WHICH I NEVER OPENED
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a account from XXXX XXXX XXXX  XXXX account number XXXX its reporting on my credit report on XXXX  as open account, but how can this account be open if the account is charged off and also this account not even mine. please have XXXX XXXX  double check my ss number is XXXX i know there are other XXXX XXXX in my town and maybe the name got crossed. i think this is a major problem that is hurting my credit, and i think XXXX XXXX  should delete this account from my credit report and make this right.
Product: Credit reporting or other personal consumer reports

The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft or incorrect reporting. These inquiries are currently being reported by Experian, XXXX, and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

Credit institution have taken multiple hard 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
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 6 o 2 states i have the right to privacy ( 15 usc 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an address XXXX XXXX XXXX. XXXX XXXX XXXX listed on my XXXX   and Equifax credit reports even after filing a policy report and calling the entire months of XX/XX/XXXX and XX/XX/XXXX they refuse to remove this address. Equifax has not update my credit report with any accurate information and refuses to remove a fraud account ( XXXX XXXX ). Dealing with this credit bureau has been a nightmare and I am a consumer who takes pride in having a clean and good credit report. I have filed police reports, Ive sent in countless pages of supporting documentation even a fraud license that had my name and the fake address listed on it!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit card

I went to credit karma to check out my credit and they had a list of 5 credit cards in my account which were in their opinion, pretty sure I could obtain. XXXX XXXX gets money for every member they send which joins. I joined Prosper and they approved me for a {$1700.00} credit limit, send me an email and said while I was waiting to get the card I could use 1/2 of my credit limit. I did just that as I am off work on short term XXXX and have limited funds coming in. I bought my son some tennis shoes, and made a purchase on XXXX for a furnace filter, I went to XXXX online to try get my grand daughter valentines for her kindergarten class and the purchase was denied, an alert came over my phone, a fraud alert from the credit card company and asked me if I made a purchase at XXXX, I said Yes and they said OK, retry that purchase and that was it. i attempted to pay and it said card was now blocked, so I called the credit card company and he asked me if those purchases were mine and I said yes and he reopened my account and said just stay away from XXXX online and you should be good, so I went to XXXX  and purchased items and my card was again blocked. I got up today and logged into the account and they lowered my credit limit by half. I would have never agreed to have the card with the lower credit limit but I was tricked!!! I started looking at the reviews on the site I joined from and many people were saying exactly what I just typed out here and even saying other things which have me scared to death now! I don't want my bank account compromised or my credit destroyed by this company. I spoke with this company today and the woman said my card was blocked multiple times for fraud, which was not fraud it was me however they never send additional messages asking me if I had made these purchases. She said the lowered credit limit is how much I can use until my card gets to me then they will raise it back up to {$1700.00}. This is just not acceptable business practices and there are a lot of people upset with this company.
Product: Debt collection

The company offered a settlement amount which I have satisfied and yet they tell me I need to pay the balance due since I did not get the last payment to them by the exact desired date that they desired. I have received numerous offers for settlements with different amounts and I chose XXXX and paid it. The Original bill was {$440.00} and they offered a settlement of {$220.00}. ( Note that it says " and owe nothing '' after you pay the amount offered ). I have attached the copy of the offer that I accepted and an additional offer that they sent as well just to show you the different options that came in. I have copies of my bank statements that show the payments I made but they sent me a list of my payments which are correct.