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

I went to TD Bank in XXXX XXXX, CT and opened a TD Growth Money Market account with over {$20000.00} in XX/XX/2019 and was told by the representative when I opened it that after 90 days, I would receive a {$200.00} bonus -- I was given a copy of the new appl with the same information written in it and circled by the representative.After 90 days, I went to the branch and was told I had to wait until 125 days from opening the account for the {$200.00} to be put in my account.I went back in XX/XX/2019 and was told they will check into it-then I was asked if I brought a mailer in when I opened the account-told them I don't remember- it was 6 months ago-they said if I didnt have the mailer, they wouldn't pay the {$200.00}. I told them when I opened the account I was told I would get the {$200.00} by the representative and I had the paperwork showing this also. This bank is hoping clients will not follow up on their bonuses and this is a very fraudulent banking practice -- I am very disgusted with TD Bank and the way they do business -- they try to get out of paying their clients after promising to do so. I have also contacted the Banking Dept/Office of the Comptroller to submit complaints as to their fraudulent business activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address inaccuracies and violations regarding the reporting of an account by LVNV Funding LLC on my XXXX credit report. The account, identified by number XXXX, contains erroneous and unverified information. Below are the key issues with the account reporting : Inaccurate Reporting of Account Status : The account is listed as " CollectionOrChargeOff '' despite my assertion that I do not owe the reported balance of {$230.00}. 
The account shows an " Open '' status but is labeled a " Collection Account, '' which is contradictory.

Lack of Verification and Supporting Documentation : I have requested verifiable evidence to substantiate the existence of this account and its reported balance. No such documentation has been provided.

The creditor has not demonstrated that the account was used for a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ). 
Violation of XXXX XXXX XXXX Reporting Standards : The reporting fails to meet the requirements of XXXX XXXX data field reporting standards, which ensure accuracy and completeness. 
Hindrance to Consumer Goals : The inaccurate reporting is adversely affecting my creditworthiness and impeding my financial goals, including access to better opportunities.

Failure to Properly Address Consumer Disputes : LVNV Funding LLC has not conducted a thorough and individualized investigation into my dispute, as required by law.
Product: Credit card or prepaid card

In XX/XX/2019 I received a phone call from XXXX XXXX stating she is going to handle my case from XXXX XXXX. She told me that and hung up. I didnt ask her anything or go into depth about anything. I received a letter today dated XX/XX/XXXX thanking me for speaking with her and that I requested for my card to be reopened. Neither are true and she lied about a letter being sent to me. XXXX wrote a letter that was basically a lie. She called to inform me she was taking the case and hung up! Nothing else was said or asked.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally beyond was a victim of the XXXX data breach.I want these items Deleted from my credit reports effectively immediately.I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX, account name, XXXX XXXX, account, number, XXXX accoutname, XXXX XXXX XXXX, account numberXXXX  accountname, XXXX  XXXX  XXXX  account nuberber,XXXX accountname,
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the provided information with XXXX and TransUnion ; regrettably, the matter remains unresolved to date. 

The unauthorized inquiries are as follows : XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I have tried to contact Global credit to inform them of the inaccuracy of this collection account and have not received a response from them. The telephone numbers that are listed on my credit report and on the internet for them is incorrect. I am requesting that the information that is being provided by Global Credit be ceased and desisted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score plunged today XXXX pounts to XXXX on my Equifax account ONLY. There is no information on the Equifax report that indicates the reason for this plunge. They have previously attempted to find out what is causing such a low score but there is no information on my credit report to indicate any source of trouble. Most of my other FICO scores are in the high XXXX or above XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I requested that Equifax Information Services LLC place a security freeze on my credit report. I am a XXXX year-old XXXX. Equifax 's website makes clear that, if it has not yet established a credit report, and the XXXX  consumer requests a security freeze, Equifax will create a report and then freeze the report. ( https : //www.equifax.com/XXXX ) On XX/XX/2019, I received a letter from Equifax stating that it does not have a credit file for me ; however, Equifax did not establish a credit file and then apply a security freeze to that file.

I filed a complaint with the CFPB on XX/XX/2019, and the defendant " responded, '' two full months later, that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. The person listed as an additional contact on the original complaint was my father. Again, I am a XXXX. And my complaint specifically authorized my father to receive information related to the complaint.

The CFPB 's response dated XX/XX/2019, states that : " If the consumer did not receive a response from the company, the account holder or borrower can submit a new complaint without listing anyone else. '' I received no response from the defendant. Now, in order to remove this stumbling block that the defendant has erected, I am hereby refiling my complaint and not listing my father as a person authorized to receive information related to the complaint.

Your turn, Equifax. What bad-faith argument will you raise next in an effort to not do the right thing and simply create/put a security freeze on my credit file?
Product: Money transfer, virtual currency, or money service

company : coinbase.com and XXXX ( same company ) XX/XX/XXXX : Open my account XX/XX/XXXX : I am not longer able to access my account in Coinbase.com and XXXX I have sent numerous emails and called numerous times. They send a form letter say they are looking into my account. I have over $ XXXX in assets with this company. 

Please help! This is my entire life savings stuck in this company
Product: Credit reporting

I have the same account on my credit report three times, XXXX are regular account the other was just added as a public record yesterday but shows a date of XXXX. This information is wrong this is XXXX account which should be paid in full. 
XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed XXXX Missed Payment {$1400.00} The public record listed below Reference Number XXXX Court Date Status Amount {$1400.00} Classification Type legalitems XXXX Other XXXX XXXX, XXXX Closed {$0.00} This account below is fraud. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$4100.00} The XXXX accounts below is not mines. 
XXXX Auto XXXX XXXX, XXXX Open - Collection/Charge-Off {$3000.00} XXXX XXXX Credit Card XXXX XXXX, XXXX Closed {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX and Experian Rent bureau are incorrectly showing a rental amount as outstanding that for XX/XX/2023 that was paid on time before the date required on my rental lease. This was resulted in me being out of pocket approximately {$500.00} due to application fees for rentals. I am consistently being denied due to this error while on a timeline to move due to a medical XXXX. XXXX  XXXX refused to give me any information on my dispute, despite me having submitted documentation on XXXX providing this was false. I was denied for a property I very much wanted based on this information. I am also trying to refuse it with experian.
Product: Checking or savings account

I own a small business and have a few employees. I pay all my employees with a check. I paid one of my employees on XX/XX/year>24 and the check was cashed on XX/XX/year>24. 

The same check was cashed XXXX more times by someone else and it was cashed on XX/XX/year>24 at XXXX bank and then again on XX/XX/year>24 at XXXX via the mobile app. This information came from my bank ( Chase ) I contacted Chase in XXXX after I noticed the XXXX additional withdrawals. Chase said they will have an answer within 10 days but its been over 2 months and I would like to get this resolved as soon as possible.
Product: Money transfer, virtual currency, or money service

Hello dear! 
I have got my PayPal limited for 180 days on the XXXX XX/XX/XXXX under Ref ID - XXXX So, I have waited 180 days and on the XXXX XX/XX/XXXX I have got mail from PayPal says XXXX'Your PayPal funds are eligible for withdrawal '', I logged in and tried several times adding my new XXXX XXXX  and my bank card and it doesn't work, I have contacted the support of PayPal but they didn't help fix this issue for me at moment of writing this complaint. 
So, Please help me get my funds by helping me adding my XXXX XXXX  or my bank card to get my funds. 
kind regards XXXX XXXX
Product: Credit card or prepaid card

TD Bank offered me a secured credit card with a {$1500.00} security deposit. I got the secured credit card for {$1500.00} and my ex-wife made several overcharges on my account and they piled up their {$35.00} fees for each {$3.00} coffee and it grew to almost {$1400.00}. I tried to dispute these overdraft fees at the bank. However even if they won't dispute them they should have taken my {$1500.00} that I gave them cash for the secure credit card!!!
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number XXXX XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number XXXX XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX  Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number XXXX XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted.

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Money transfer, virtual currency, or money service

I am a victim of a large ( and still-ongoing ) scam/fraud ring, while trying to purchase a XXXX XXXX last month. I made XXXX XXXX payments for the equipment through my internet banking : {$1600.00} on XX/XX/2022 ( XXXX XXXX XXXX XXXX  and {$700.00} on XX/XX/2022 ( conf. no. XXXX ) before I realized my mistake and reported it, but Bank of America did not investigate my claims, and they refused to reverse the payments because they were " authorized ''. They advised me to " contact the person you sent the funds to directly for further assistance ''. Of course I have already contacted that person, and naturally they are unwilling to return the money ( this is why I reported the fraud to my bank in the first place ). I am certain I am communicating with the recipient of my payments because we communicate using the email address they used to enroll with XXXX. BoA have refused to take any further action, referring me to XXXX, and XXXX have refused to take any action at all, referring me back to BoA because the payments were made through their internet banking. XXXX has enabled BoA to process payments without appropriate customer protections, without incentives to prevent or investigate fraud, and to trivially wash their hands of liability. I am more upset about BoA 's behavior and the structure they ( and XXXX other major banks ) created than I am about losing the money. In retrospect, it's no wonder that XXXX is so closely associated with scams and fraud. The current structure should be illegal and changes to Regulation E are desperately needed.
Product: Money transfer, virtual currency, or money service

I purchased tickets on XX/XX/2018 from XXXX using {$120.00} from a XXXX account tied to my Wells Fargo checking account. Scammer seemed genuine with name, email and phone, even calling. The funds were immediately accessed and no tickets forthcoming. I contacted Wells Fargo within about 2 hours of the purchase. Wells Fargo indicates they have no responsibility since I authorized the transaction. XXXX indicates I have to go through Wells Fargo. In researching this appears a new, common scam that should be more publicized through both XXXX  and Wells Fargo. These funds should be protected just as other funds that are fraudulently obtained.
Product: Prepaid card

I Friday XX/XX/XXXX th i purchased a {$500.00} vanilla visa card at XXXX. When i got home to activate it it said there was no money on it and inside the envelope was a {$50.00} card not {$500.00}. I went back to XXXX and ask the supervisor about getting a new card with the {$500.00} i paid in cash. She said this happens all the time its a scam i asked her what did she mean she took me to the isle and we t thru the cards and found another fraudulent card. 
Apparently XXXX knows all about it I called the XXXX company and i got nowhere meanwhile im out {$500.00} which is a lot of money for somebody unemployed please help me?
Product: Debt collection

Pursuant to XXXX XXXX XXXX XXXX ( Regulation F ). XXXX Notice for validation of debts. I never received a validation notice with initial communication or within 5 days of initial communication. 

Pursuant to XXXX XXXX XXXX XXXX ( XXXX ) Wells Fargo is in violation The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. And XXXX XXXX XXXX ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Pursuant to XXXX XXXX XXXX Wells Fargo is criminally liable for willfully and knowingly not disclosing finance charge and unauthorized use of my credit card Pursuant to XXXX XXXX XXXX right of rescission Wells Fargo did not disclose or give written notice to consumer informing consumer of having an opportunity to rescind said consumer credit transaction. 

Pursuant to XXXX XXXX XXXX b ( XXXX ) - Right of rescission in a transaction subject to rescission, Since I have Never been notified of said right, I have XXXX  years to exercise that right a creditor shall deliver XXXX copies of the notice of the right to rescind to each consumer entitled to rescind the notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling. 

( ii ) The consumer 's right to rescind the transaction. 

( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. 

( iv ) The effects of rescission, as described in paragraph ( d ) of this section. 

( v ) The date the rescission period expires. 

according to XXXX XXXX XXXX ( c ) the down payment may not include any trade-in, discount, rebate, credit, deferred payment, postdated check, or promissory note to the supplier or contractor wells fargo has recived a prommisory note in which paid for this transaction. 

Pursuant to XXXX XXXX XXXX b ( XXXX ) I have Never received a proper notice of Form Appendix H and forms to take exercise my right to rescind. To satisfy the disclosure requirements of paragraph ( b ) ( XXXX ) of said section, the alleged creditor shall provide the appropriate model form in appendix H of said part or a substantially similar notice. 

Pursuant to XXXX XXXX XXXX No national bank shall make any loan or discount on the security of the shares of its own capital stock which proves alleged loan was paid for when i provided signature and social which makes any commercial paper a security i also provided a promissory which paid for transaction XXXX XXXX XXXX Wells Fargo has received payments on this alleged debt and affiant has the right to direct Wells Fargo to return all payments
Product: Credit reporting or other personal consumer reports

I am disputing several accounts on my credit report due to inaccurate late payment reporting. These accounts are either in good standing or closed, but two missed payments are being reported, which I believe are incorrect. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX This account currently shows two missed payments, which I dispute as inaccurate. The account is now current and in good standing. I have maintained regular payments and request a full investigation into the late payment history. 
XXXX. XXXX  ( Credit Card Account ) This account is currently closed but shows two missed payments. I am requesting a review of the account history and removal of these late payments, as they do not accurately reflect my payment behavior prior to account closure. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX This account now has a zero balance. It is also showing two missed payments, which I believe are reported in error. I have since paid the balance in full and would like the late payments removed to reflect accurate and current information. 
XXXX. XXXX XXXX  XXXX Credit Card Account ) This account is closed but also reflects two missed payments. I dispute this information, as I was unaware of any delinquencies before the account closure. I request an investigation and deletion of these negative marks if they can not be verified. 

These inaccurate entries are negatively affecting my credit profile. I am requesting that each of these items be investigated thoroughly and corrected or removed from my reports with TransUnion, Equifax, and Experian.