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

XX/XX/2023 - Per online auction I purchased 3 items ( {$1900.00} ) of music memorabilia purported to be 'autographed. ' One item was to be accompanied by letter establishing provenance which seller failed to provide. All 3 items came with " Certificate of Authenticity '' issued by seller. 

On/about XX/XX/2023 goods received. Seller recommended authentication 'expert ' which I researched and found had a questionable reputation. I researched and contacted reputable expert. 

XX/XX/2023 Items ' autographs verified by authentication experts to be forgeries. I contacted seller advising of failed authentication and requested to return goods. Seller refused. 

XXXX - I called Customer Service of TD Bank , issuer of XXXXXXXX XXXX XXXX XXXX ( with which payment was made ), to advise of fraud and dispute {$1900.00} charge. I offered to send report of authentication expert and correspondence with seller. Representative declined to receive same. 

XX/XX/2023 - I received two letters from TD Bank : 1 ) dated XX/XX/2023 stating, " additional information is needed relating to transaction ( s )... '' and, 2 ) dated XX/XX/2023 stating, " Our review determined an error did not occur '' and " Must be resolved with the merchant '' and " You have the right to request documentation used to make our determination. '' From this point forward I made all communications on TD Bank 's website so there would be a 'paper trail ' of correspondence. Attached are copies of all website 13 messages correspondence ending XX/XX/2023 including my repeated requests for above mentioned documentation. 

At all times TD Bank has both refused to comply and failed to reply. 

Upon research I discovered that the 'merchant ' is a know purveyor of forged signature memorability with a " D+ '' rating with XXXX.org. I also have entire file of 25 messages between myself and the merchant, including 6 requests for instructions for return of forged items, all of which were refused.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious concern regarding FIRST FEDERAL CREDIT, a debt collector, which has been reporting my private medical information to consumer reporting agencies without my consent. This action is in direct violation of several federal regulations, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission ( FTC ) regulations, and other applicable laws. 

As a debt collector, FIRST FEDERAL CREDIT is legally obligated to adhere to these regulations ; however, this entity 's actions are in clear violation of these legal requirements. Specifically, this debt collector has no legal authority to transmit my federally protected information to any third party without my explicit authorization to do so. 

Furthermore, I have not received the required Debt Collectors Initial Communication ( Notice of Debt ) nor any verification or legal correspondence confirming consent or legal authorization for FIRST FEDERAL CREDIT to report my information. Under 15 U.S.C. 1692g ( a ), when a debt collector first contacts a consumer, they are required to send a written notice within 5 days of initial communication. As FIRST FEDERAL CREDIT is a debt collector, they are obligated to verify the debt by providing proof of the debt or a copy of the judgment ( if applicable ). However, FIRST FEDERAL CREDIT has failed to do so and continues to report unverified debt to the Consumer Reporting Agencies without any legal right to do so. 

In addition to the above, FIRST FEDERAL CREDIT is civilly liable for violations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692k, which may result in : Actual Damages : FIRST FEDERAL CREDIT is responsible for any actual damages I have suffered as a result of their non-compliance, including emotional distress and financial harm.

Statutory Damages : I may be entitled to statutory damages as specified under the FDCPA.

Attorneys Fees and Court Costs : I reserve the right to seek attorney 's fees and court costs should I pursue legal action.

Civil Penalties : In some cases, the court may impose additional civil penalties for willful violations or failure to comply with the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give written permission to furnish experiences and transactions with this consumer. 

XXXX XXXX XXXX XXXX  late payment transactions These are the laws that are being violated : FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card or prepaid card

I put a down payment on a puppy through XXXX. The "breeder" who asked for the downpayment had me send him the money through XXXX, and explicitly requested I send it "friends and family" as oppose to business so he could avoid the "fees".  I did as he requested. He told me I would have second pick of a female XXXX available in XX/XX/2019. In XX/XX/XXXX I contacted the Breeder and he informed me the puppies had not been born yet, and even when they were, I would have to wait 3 months after that to receive the puppy. I told him this was unacceptable and asked for a refund. He refused. I asked XXXX for a refund, they said because I sent it friends and family, and not as a business, I had no "seller protection". I then disputed it with my credit card company, Capital one. I explained to capital one that I NEVER received a puppy NOR have a I received a refund and its now past XX/XX/XXXX. Capital one did its investigation and sided with the seller because they ran the WRONG TYPE of investigation. Instead of running it as services not received... as I described, they ran it as refund not processed. And because I couldn't show proof of a processed refund -- they denied my claim. When I called back to Capital One-- they said they understood the validity of my concern- but there is nothing they can do because they can't dispute an item twice. So then I tried to follow up with the breeder AGAIN. He flat out told me he will NEVER give me a dog NOR a refund. And I have a emails showing such. But yet I'm stuck with a $XXXX credit card bill (interest charged AND LATE FEES) because they backdated the charge and put it on my account.I don't know who is responsible-- XXXX or CapitalOne-- but I know I have buyer protection at the very least through the credit card. I purchased a good and never received it. Also- I don't know if this matters or not.. But I paid OFF my credit card and CLOSED the account with Capital One because I had an issue with them previously reporting incorrectly on my credit report... They reopened my account to add this charge even though I have a letter saying the account is closed with a XXXX balance.
Product: Checking or savings account

I wrote a check at XXXX number XXXX they scanned it thru tele check electronic then keep the check and sent it to the bank so the check got paid twice my bank has sent prof to tele check that it was paid to XXXX but tele check keeps sending me papers saying I still owe them. this has been since XX/XX/XXXX and here it is XX/XX/XXXX and they still are bugging me for payment {$49.00}
Product: Checking or savings account

Experiance at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2023 XX/XX/2023 my company changed thier pay roll company from XXXX to XXXX. The checks look different however they are still Bank Of America checks from a BOfA customer. For 3 pay periods in a row Bank Of America has refused to cash my paper pay roll stating the reason of not having a imagine of what the new checks look like. Please keep in mind 1. This is from a Bank of America its thier check, so they should have an image 2. My employer has XXXX of employees that receive these checks every 2 weeks, so they should have an image.

3. If they rely on past imaging why does it take so long for up to date information.

4. At the very least should have an authorization for these checks.

Instead They advised me to deposit my pay roll in to my account at my bank or open an account with them.

The issue is why doesnt BOfA take BOfA checks not whether or not I have direct deposit.

The issue is if BOfA cant cash paper checks why offer them to your customers to give as payroll. This is not a personal check.

The issue is if you have this system in place why does it take so long to update. 


I have to go to a sketchy XXXX in XXXX to cash these checks.
Product: Credit card

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Bank account or service

I was Executor of my brother 's Estate. 1 week prior to my meeting with B of A to set up his Trust Account, I notified the bank of possible forgeries on his checking account and requested ALL bank records including fronts of checks, be provided to me at our meeting. 
At our meeting, I was denied access to ALL bank records as stated in front of my attorney. 
by B of A representative. I immediately notified this employee he was violating Fed and VA State law which entitles me to ask and receive all information, in the same extent and manner my brother would be entitled to, during his life time. Again I was told " that 's not going to happen ''. 
The only person who had access to my brother 's check book was his live in XXXX who had the legal right to occupy my brother 's house for 30 days. I filed a police report at which time I was told she was a person of interest involving XXXX felonies. 
I called the bank again and explained the situation and needed to file charges to deter her from stealing his valuables from the house and the police needed proof of the forged checks. I was denied again to any records. The police said their hands were tied without proof of the forged checks. I went to other branches who promised to get me what I needed but they never did. I tried everything possible to get records that legally belonged in my possession. 
B of A withheld the evidence needed to prosecute the offender who, did indeed steal all my brother 's jewelry, his extremely valuable coin collection, just everything, ignoring my attorneys instructions her to only leave the house with those items she moved in with. 
She also erased his hard drive and destroyed all financial records. 
So, I am left with XXXX bank statement, but determined to know how much she stole from his accounts to justify B of A to such extremes to block my access, never giving up, I finally received a call telling me I could select, from the statements they sent, A FEW, checks I would like to see the check fronts. Now, after XXXX years later, just in the last 3 months of his life there were XXXX - {$500.00} ATM withdrawals and at least another XXXX in forged checks. In order to have absolute proof my brother could not have written these checks, I had to compare his medical records to withdrawel dates and check forgery dates. I simply had to stop with just looking at 3 months and not the full 6 months. This was a task no one should be faced with, very depressing. 
All of this would have been prevented if BA had not felt and acted as if no one would hold them accountable. They need to know they will be held accountable for deliberately breaking the law and for the ramifications others endure because of their arrogance. 
So, we shall see if there truly is an agency for the little people or just a pretense of XXXX!!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I applied for a HELOC with Union Bank CA and was denied based upon their discriminatory practices in calculating income of XXXX  owned, XXXX XXXX The method used by the Union Bank underwriter was not consistent with fair lending practices, nor industry standards. Union also declined based upon inability to verify occupancy, which they determined by using a desk top appraisal and misinterpreting data in the tax returns. They provided no window for explanation and sent an automatic decline. When repeatedly asked for an explanation, after taking a hit on my credit report for the inquiry and wasting 3 weeks of my life that I'll never get back, they remained unresponsive. Union is EXTREMELY misleading regarding their lending criteria and gets you down the rabbit hole of applying, only to pepper you with ridiculous and extensive questions over name typos on your credit report, yet performs a scant review of tax returns, does not review any other schedules other than schedule c, is not knowledgeable on tax return analysis, which results in a completely inaccurate result and then flatly denies based upon completely erroneous results. As a sXXXX XXXX, I felt disregarded and the underwriter provided zero input. The initial loam officer didn't even have the decency to call and answer questions, simply auto replies and computer generated messages from their automated system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed payments with XXXX  XXXX  XXXX  YET THEY NEVER REPORT ON TIME PAYMENTS LIKE THEY SHOULD. THIS IS RIDICULOUS CONSIDERING THE AMOUNT OF INTEREST THEY CHARGE. I WILL BE TAKING MY BUSINESS ELSEWHERE AND DOING A REFI
Product: Credit reporting or other personal consumer reports

I called transunion and equifax to verify who is reporting as Dept of the Treasury on my consumer reports. I have no knowledges of these creditors and furthermore they are reporting balances I have no knowledge of. The phone number attached to Dept of the Treasury is not a valid phone number so I cant verify who this creditor is and Im wondering how did they furnish such inaccurate information. Also these accounts are open but reporting as collections and its displaying I made payments to a creditor that I have no knowledge off. This information is in fact inaccurate which is violation of my FCRA rights. Furnishers of information have a DUTY to report information with maximum accuracy and these consumer agencies have failed which is a violation of a XXXX dollars each. 15 usc 1681q states Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies States that 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. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information with maximum accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

REFUSAL TO PROPERLY INVESTIGATE
Product: Student loan

THIS STUDENT LOAN I HAD INTEREST RATE IS ENTIRELY TO HIGH FOR ME TO REPAY. I AM STRUGGLING TO REPAY THIS LOAN ON A LOW INCOME SALARY. SALLIE MAE AND NAVIENT LOAN INTEREST IS TO HIGH.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX name 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.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX I SENT CERTIFIED MAIL TO TRANSUNION. THEY HAVE YET TO RESPOND TO EITHER LETTER AND HAVE DISREGARDED MY INSTRUCTIONS. THEY'RE DISREGARD FOR COMPLIANCE IS COSTING ME TIME AND MONEY.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint. 

Items that need to be disputed : XXXX BANK XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - {$0.00} - Late/closed XXXX XXXX DC XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK OF XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} - Late/closed XXXX XXXX DC XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX DC XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
Product: Debt collection

I talked to XXXX  XXXX when I was moving from my apartment in Nebraska and had the alarm system turned off and returned. I also closed the account as well with the company and the police department who also monitored the alarm system. 

The debt with the company was disputed with all 3 credit bureaus upon receiving it about 2 & 1/2 years ago and was removed from my credit report. The account was closed in XXXX, XXXX  in XXXX, and the equipment returned. The collection stated the account was opened in XX/XX/XXXX which is fraud and incorrect. I have not had an alarm system in over 9 years, and have not lived in XXXX, XXXX since XXXX It appears the company keeps passing the bill to different companies and then they don't contact me but put it back on my credit report. When I pulled my credit report in XXXX and again in XX/XX/XXXX this collection was not on there. The company XXXX XXXX has sent this bill to two companies as well that stated I opened up an account with them in XXXX which I have not. This current one states the account was opened XX/XX/XXXX and it was not, which is fraud. the account XXXX as closed in XXXX. The current company name is Zions Debt Holdings which I have not received any notice from at all regarding rehashing the collection bill. There was anotheer company who hasd this same collection bill and was removed after much persistence. Now other companies checked my report XX/XX/XXXX : XXXX, & XXXX. Another company XXXX XXXX XXXX XXXX XXXX opened up an account in XX/XX/XXXX in my name for XXXX which was not my account as well. I keep having to dispute these charges on my account lately which I submitted to XXXX again but they have not taken it off my credit report. They sent an email stating they received the dispute information was accurate but left the charges on. This happened the last time as well, and I keep having to fight to get these things taken off of my credit account. 

I don't have an alarm system by XXXX XXXX and it should be taken off of my account for good. This keeps popping up even after being taken off before, and is really causing me some problems on my credit report. Please advise.
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 Account Number : XXXX Account name : XXXX 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.
Product: Credit reporting

XXXX account is settled and needs to be removed from negative status or deleted