23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

TD Bank case number XXXX I have been trying for 6 years to try to get my money back from TD bank, who have frozen the funds and I am awaiting for my money to be refunded. It all started when I was looking for a holiday resort to stay in Hawaii and this " pop Up '' came up to purchase it threw them by paying {$1800.00} US by bank Transfer from my account in XXXX to TD Bank, I sent some emails and the fraudster responded so I thought it was legitimate. Then on XXXX XXXX th XX/XX/XXXX I purchased the supposed holiday, and the next day I realized it was Fraud. I called my XXXX XXXX  to put a stop and they said they will try but because it was more than one day it may not help, and they also sent emails to TD Bank and still no refund. I spoke to a XXXX XXXX at TD bank Investigations Team for approx. 2 years to resolve and no refund. He no longer works there and so I have been trying for years to have my money refunded and the Bank keeps changing the goal posts. I actually came to XXXX XXXX TD Bank and spoke to Mr XXXX XXXX around XX/XX/XXXX and he also tried to help but to no avail, because the Investigations Team, Now, no longer speak to people, it has to be done by email. I have tried for years to get the refund and surely the fact that the funds are still in Limbo in TD Bank, and I am the only person making a claim for my own money clearly states it is mine. The bank also asked me to get the Police at XXXX XXXX to investigate, and the Officer I spoke to said, because the money has Not left the bank or transferred to anyone, then the transaction is not completed. So I ask that common sense prevail and to please return the money to the Sender, which is myself as per the Bank Transfer Documents. I can be contacted by email on XXXX or Mobile/cell phone. 
Please Help, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 on or around XXXX My car was broken into. All my personal information and electric devices was stolen my from my car. my social security card Identification card. 
I started to received information when my credit score started to decline. 
I notice different addresses and credit cards also inquiries.
Product: Consumer Loan

LoanNow has twice overstated the interest due on a simple interest contract. When I have in fact over paid them by {$14.00} they are saying I owe them {$27.00} and am now getting harassed by a collections company for {$95.00}. 

I have provided them with an amortization schedule twice now, the first time after speaking with their management they acknowledged the error and corrected their 'dashboard ' reporting tool and just now a second time showing the simple interest calculation. 

Additionally, this was a scheduled XXXX payment loan which I paid off in XXXX. 

They are defrauding their clients. I am certain if an audit was performed on their transactions you would find a lot more instances of this lender taking more interest than they should. 

I look forward to your response, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested for help from navy federal to please fix my credit account of mid reporting on XX/XX/XXXX through their online system and it was ignored. I then contacted them by phone on XX/XX/XXXX and the representative said they dont report updates often to the bureaus and thats why my car payments are missing and thats why the credit card I had with them that I paid off in full has disappeared. This information has been edited from my credit accounts for well over XXXX months and they have not fixed this, though I have requested. I advised her that they must report the truth if it is showing on my profile and she hung up. Additionally, navy federal credit union took money from my account that I did not authorize, even after placing a note on my account stating that they are NOT attempting to collect any debt from me. They have continuously reported my account as never paid, and have deleted the good history of payments from the car loan and the credit card. While over the phone, the representative hung up the phone on my face and it caused dm to call back twice. I have still not received the information I requested which was a list of all successful payments I made to navy federal credit union. And all payments they took without my knowledge and permission. Navy federal refuses to fix this issue and continues to reprint false information on my credit profile. Intentionally causing harm, distress, and further denials of housing. I have been discriminated against and they are refusing to follow the laws and guidelines of the cfpb, gov, and fcra.
Product: Checking or savings account

XXXX XXXX, the resolution complaint specialist, incharge of a complaint I had made against the XXXX, XXXX WA location did not apply pertinent details of the situation to base his final decision off of. I know he is aware of those pertinent details I am referring too because I have a copy of the phone conversation I had with him prior to his investigation, where we both discuss the details he has failed to apply to his decision making. He states in his determination letter that " After carefully reviewing the video footage, he determine that I only had provided the teller with 1 form of ID, my passport, to cash a {$6000.00} check drawn from Bank Of America from a XXXX XXXX XXXX  vehicle manufacturer. What he has failed to mention, and was really the basis of the entire original complaint, was that the tellers REFUSED to let me provide then with any other form of ID, for which I had in my pocket a driver 's license and social security card. The tellers refused to accept anything but the physical debit card from Bank Of America or, " any other debit card another bank ''. The tellers were fully aware that the debit card from Bank Of America was still in the mail and they were aware of that because they were looking directly at my account pulled up on their computer. During my phone call with XXXX, he acknowledged that if the system requests another form of identification, there are several options to choose from and these tellers lied to me and insisted that the ONLY way they could cash my check was with the debit card they knew I did not have in my possession yet. This is why I feel like I was discriminated against by these women tellers based on my sex and profession. XXXX acknowledged in our phone call that the excuses given to me by the bank tellers was incorrect and my check should have been cashed. I have heard from 20 different customer care supervisors the same thing and the branch manager himself. He referenced the deposit agreement in his letter and said that I could find information regarding cash checking services required more then 1 peice of ID. I know that. I read my entire deposit agreement prior to my visit to the branch that day. That is why I brought more then one piece of ID. Bank of America does not accurately state anywhere pertinent information about their check cashing services and I believe that is pertinent information that consumers are not being provided with.
Product: Mortgage

In XXXX of XXXX I was making payments under a modification yet I was denied by XXXX XXXX XXXX, citing that I had not mailed back the modification packet. They immediately proceeded with a foreclosure that occurred that same month. After investigating the facts they found that they had not mailed me the documents they were requesting and proceeded to rescind the foreclosure. At the same time the loan had been transferred to a new servicer, Caliber Home Loans. XXXX stayed in closed communication and in early XXXX XXXX I spoke with the trustee who said the rescission had been completed, I further verified it with the new bank as the loan had gone from the XXXX department, who was in the process of an eviction, to the reqular servicing department. 
I was told by XXXX that I 'd have to start the modification process all over, since the previous modification had not been fully executed. 

I contacted Caliber to obtain copies of the XXXX application to apply and was told what was needed and where to submit it. As I am completing the application, I receive a Notice of Trustee 's sale from Caliber with a sale date scheduled for XXXX XXXX, XXXX. 

They have never called me or reached out to me, I began the communications and told them I 'd send in the loan mod application. They have n't given me an opportunity to apply for the loan mod. 

I would like to keep my home and be reviewed for a loan modification and be offered something similar or better than what was received from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 1 ) reported my account as late unlawful 2 ) held my accountable for unfair practices, why report me as late for {$1.00}, when the car note for over {$500.00}? 
3 ) poor communication, I was never made aware of the ramifications of leaving {$1.00} on my account nor did i receive a follow up in writing At then end of my loan, I called XXXX XXXX dealers services on XX/XX/XXXX to pay off the principal balance on my loan. The only outstanding balance would be late fees. I was informed by XXXX XXXX that due to system limitations, because there was late fees remaining their system requires that a {$1.00} principal balance remain on the account. My online account payment history showed the due date from that point as XX/XX/XXXX. The last and final payment was made on XX/XX/XXXX. This is within 30 days of the calculated due date ( XX/XX/XXXX ). 

However, after receiving notification from the credit bureau it came to my attention that i was reported as 30 days late by XXXX XXXX because of an outstanding balance of {$1.00}. I submitted a correction through my XXXX channel and nothing was fixed. 

I proceeded to check my account online payment history and noticed that my due date was adjusted from XX/XX/XXXX to XX/XX/XXXX. I never requested this adjustment and I was never informed verbally nor in writing that 1 ) my due date would be adjusted and 2 ) a {$1.00} balance would be reported to the credit bureau as a late payment. Also, recorded phone conversations note XXXX XXXX confirmed that they do not report to the bureau for late fees. Also, phone conversations with XXXX XXXX note that the {$1.00} principal balance was required because of their system NOT because I ( the customer ) requested that it remain. 

Working with XXXX XXXX executive off I submitted a case for Account number ending in : XXXX, case number : XXXX. On XX/XX/XXXX, XXXX XXXX Executive office informed me the correction to my credit report not be removed ( even though its unlawful ). The credit department rejected my request twice. They have choose to ignore that a {$1.00} balance remained on my account because their system required this to 'keep the account open '. Had a know that this {$1.00} balance would cause an unlawful reporting that they dont want to correct, I would have satisfied the entire balance on XX/XX/XXXX. Also, I was never told my due date was modified without my knowledge or consent. Had i know this, I would have satisfied the entire balance on XX/XX/XXXX.
Product: Credit card or prepaid card

I tried to use my capital one quicksilver card last week and it wouldn't process. I called capital one and they said my account was closed which I had no knowledge of. They wouldn't give me any information as to why it was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022
Product: Credit card

Oh my goodness where to start. My husband and I booked a hotel for XXXX, XXXX as part of our honeymoon from XX/XX/XXXX to XX/XX/2023. The hotel is called XXXX XXXX. We booked the hotel on XX/XX/2023 it was for 2 nights, 1 room, and it was going to be my husband, myself, my best friend, and my best friends boyfriend who were going to stay at in the same room. The total came out to {$750.00}, however, we were not charged the amount until we checked into our hotel on XX/XX/XXXX. We got to the hotel at approximately XXXX XXXX. The four of us were all exhausted, so we just checked in handed the front desk my American Express platinum card, and our passports, and then went to our room. We put our bags down on the floor then the four of us decided to take a nap, about 30 minutes into our nap my husband wakes up and says ow something had bit him on the arm, I go over to look at his arm and it looks like a bug had bit him. We immediately started searching the beds in the room and sure enough we saw one bed  bug  under the mattress. We also saw dried up blood spots all on the mattress. I took a picture of my husbands arm and of the dried up blood spots. We started looking for other hotels and luckily found an XXXX  not far away. We got our bags and as we were leaving the gentleman who checked us in asked us where are we going? My husband told him that he got bit by a bed bug, but the gentleman assured him it was just a mosquito bite. The gentleman asked my husband to show him where he found the bed bug and the dried up blood spots, the gentleman went to the room but literally just swiped at the bed sheet and did not do a thorough check. The gentleman ended up charging us the full amount even though we were at the hotel for a total of less than an hour. We ended up filing a dispute with American Express and explained the whole situation to them and provided the pictures of my husbands bed bug bite on his arm, and of the dried up blood spots on the mattress. Initially Amex sided with XXXX XXXX until we provided all the information. Then Amex sided with us. But then on XX/XX/XXXX  I see the charge of {$750.00} show back on my Amex Platinum statement. On XX/XX/XXXX  I call Amex customer support saying why was the charge posted again and they said because XXXX XXXX did not agree with the dispute. I asked to speak with a manager and they said for me to call the Amex Travel Insurance support, since apparently Amex Customer Support did not want to deal with my dispute anymore, they said there was nothing they could do anymore and I would have to pay the charge, pretty much telling me to XXXX off.
Product: Student loan

I was trying to have a cosigner removed from my student loan. Discover Student Loans kept poorly handle the processing of my application and repeatedly allowed the application to lapse. Despite being told that the application WAS NOT PROCESSED and HAD EXPIRED, the loan company nevertheless made HARD INQUIRIES on my credit report, negatively affecting my credit score.
Product: Checking or savings account

On XX/XX/2021 my XXXX XXXX savings account was hacked. The hacker used the savings account to access my checking account. The hacker performed XXXX transfers to multiple accounts within the same bank. A total of {$9000.00} where removed from my checking account. The bank stopped a XXXX transaction of and additional {$3000.00} that the hacker was trying to remove from my account. I realized this happened on XXXX, when I placed the fraud call to the bank. I was told the bank would start an investigation and that it would take XXXX business days to resolve. on the XXXX days I called the bank and was told that there was no information on my case and that the XXXX department was very backed up and that it can some times take 15 days. On the 15 day of my claim, I called the bank again and was told that there was no updates on my account. and that they would send a message to the fraud department and that someone will call me back with XXXX hrs. No one called. I called the bank again and was told that there was a {$2000.00} credit coming to my account and that the rest of the money would soon follow. I waited a few days and called the bank again. I was told that there was no more updates on my account and that they would have someone called me back with in XXXX hours. 
It has been almost a month, and the bank has failed to return my money or give me any explanations as to what happened or how they got my {$2000.00} back. They lied and said the investigation would take XXXX business days, and then changed it to 15 days because they were behind. The bank also promised to have someone from their security/fraud department would return my call within XXXX. and no one ever called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are my present concerns with Equifax : 1 ) Equifax did n't disclose this threat for more than a month after it happened. 
2 ) Equifax directed me to a website where I could learn if my personal information was stolen, only to give me a canned answer that does n't tell me if my personal information was stolen. This is misleading. 
3 ) I have read that several executives at Equifax sold company stock after the hack was discovered internally, but but before it was announced publicly.
Product: Credit reporting or other personal consumer reports

Friday XX/XX/2024 I entered XXXX XXXX to check email in reference to a credit report and found an email from company containing wrong credentials attached to family name in attempt to contact I of family surname. My initials were modified by the staff to include an unsaid name with communication. Also My credit report was modfied to include an unsaid name attached to family name of my said name where as I was given an said name of the XXXX XXXX XXXX and the company adjusted my tax credential. So the report is of the unsaid euro currency name and not of the dollar currency given name where my credit can not be adjusted. I am writing to update company from family name and said name for corporation to correct information and have opportunity participate in market of said given name of XXXX XXXX XXXX  with internal revenue service.
Product: Credit reporting or other personal consumer reports

This is the second attempt to remove inaccurate information that You have prepared inaccurate and incomplete consumer reports concerning me and published said reports to third parties in violation of the Fair Credit Reporting Act ( FCRA ). Unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. 

The following tradeline that you prepared and published about me is inaccurate and incomplete : DPT EDXXXX XXXXXXXX  Account number XXXX
Product: Debt collection

I sent a certified letter to this company on XX/XX/2017, requesting a verification of debt. Although the company did however receive the letter, they continue to call my phone 2-3 time per day. I asked that all communications cease until the medical bill is properly/correctly verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2020 I was checking my credit report and start disputing hard inquires on my credit report. In 2020 i applied to work for XXXX XXXX, XXXX XXXX and later them send it to me a letter when they explain to me that they have a BREACH on their system and my personal information was compromised. I report this to the credit report bureaus without any result. Today i found that Letter and i request the DELECTION or REMOVAL of this inquires on my credit report because doesn't belong to me, this was a fraudulent transaction using my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accountsXXXX XXXX****, XXXX XXXX   XXXX****, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX***, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, and XXXX XXXX XXXX**** have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since them the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off account shouldnt include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to di it Twice and your neglect has violated my rights. Im demanding a deletion of the following account : Account name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a PayPal credit card account in my name in XXXX of 2021 and kept charging to the account and didnt pay any balance and ruined my credit. The phone number to reach PayPal is XXXX XXXX XXXX XXXX XXXX Florida XXXX I dont have a full account number because I didnt open this account. I would like to report this as fraudulent someone stole my identity to open this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. There are still remaining negative accounts on my Credit Report that needs to be deleted. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :