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

TD Bank .. a fraudulent check was used to open a checking account in my name. The amount of the check was {$2300.00}. It is a fraudulent check used to open a fraudulent checking account in my name A fraudulent checking account has been opened in my name using a fraudulent check. 
The bank involved was notified I was on hold for four hours trying to rectify the situation. This began on XX/XX/2022 I was directed to a fraud department where this account was supposed to be canceled I have received as of XX/XX/XXXX another letter stating that this account is still active. 
I notified XXXX, XXXX, and XXXX and put a freeze on any new accounts. 

I want this checking account closed as I did not open it.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX of XXXX i took out a loan with XXXX  to purchase a vehicle. The Dealership i bought it from, XXXX XXXX in XXXX Texas asked me if i wanted to purchase gap insurance. They informed me in case of a loss this insurance would cover any gap between insurance payout and balance of the loan. i purchased the gap insurance at the dealership.the gap insurance company is XXXX XXXX  XXXX. in XXXX of XXXX i was involved in an accident and the insurance deemed the car a total loss. i called the gap insurance company to file a claim and was instructed to fill out a form and send it to them. i sent them the form and they only paid part of the gap. not all of it. now XXXX has been reporting negatively on my credit report for years. ive tried to resolve the issue with the credit bureaus and XXXX but all they do is keep updating and changing thier reporting to the credit bureaus. i feel all options have been exhausted and i need to file a complaint to get this removed from my credit report as i do not owe this money. the XXXX XXXX  owes this money not me. it is not a large amount of money owed and i have enough to pay it but i feel it is unfair that i payed for gap insurance every month and they refused to pay up in full
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not providing me with a signed by me copy of bill stating i owe this amount a signed copy is needed by XXXX also a copy of XXXX
Product: Student loan

On XX/XX/XXXX after receiving a denial of XXXX< I submitted a reconsideration request ( # XXXX ) for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX counts on my loans from XXXX in which time I was under my first XXXX  payment plan and made payments of {$58.00}. This was submitted to XXXX XXXX XXXX and at their recommendation. For some reason the loans are showing as forbearance, which I did not request. If I had requested a forbearance I would not have been making payments. These payments were made under my qualifying employer at the time, XXXX XXXX XXXX and I have already had all of my employment certified from XXXX XXXX XXXX I currently have 113 qualifying payments on XXXX  and the incorrect count or omission of these payments has caused me to miss out on XXXX  forgiveness. Nothing was ever done with this request and my loans were transferred to Mohela. On XX/XX/XXXX I filed a complaint with the Department of Education requesting information or action to resolve the outstanding issue, Case number # XXXX. I have made multiple calls, uploaded proof of my payments from XXXX for the time period that has been omitted along with additional information showing 25 months of forbearance time which at this point should also have resulted in my loan forgiveness since the new XXXX XXXX  went into effect after XX/XX/XXXX. Each time I call, I get the same story that my case has been assigned an Ombudsman, that it has been escalated and that they will call me back within 48 hours. To date, nothing has happened with this case. I have only received one email from them on XX/XX/XXXX after insisting that a supervisor call me back that said they were turning over the case to Mohela but they never closed the case. When I called Mohela to inquire, they did not know anything about it and have since attempted to just re-process my XXXX application that was already processed by XXXX XXXX back in XX/XX/XXXX. Everything should not take 90-120 days to complete, an email, an application, every little thing. I began this process over a year ago and I have simply fallen through the cracks and I am eligible for forgiveness but I can't get them to do what they are supposed to do.
Product: Mortgage

I had a mortgage on my home at XXXX XXXX XXXX, XXXX, SC XXXX. The mortgage was originated by XXXX XXXX Bank in XXXX and subsequently assigned to Ditech Financial, LLC. The home was sold on XXXX/XXXX/16, with payment in full received by Ditech on XXXX according to XXXX of their representatives. The payoff received was more than the amount owed, and Ditech was holding almost {$2700.00} in escrow for insurance and taxes at that time. Since the closing occurred more than 30 days ago but I had not received a refund, I called customer service. The representative I spoke to said Ditech was holding my money and will issue a refund " sometime next week. '' I asked the rep whether Ditech was going to pay me interest for holding my money for 30 days plus w/o my consent and he told me they will not. He went on to say they are " required '' to hold any overages for 30 days. I am an attorney who represents banks and other financial institutions. I am not aware of any requirement that overages left in an account following a complete payoff must be held for 30 days ( plus another week for them to " process '' the refund ). I believe Ditech is using the float on my money to make more money for itself w/o compensating me for its use. I understand that Ditech services millions of mortgages in the US alone. If they are doing this every time a loan is paid off, they are making literally millions of dollars every year wrongfully withholding money from borrowers who have no agreement with them allowing them to do so without compensation after they ( or the lenders for which they are servicing the loans ) have been paid in full. Nice job if you can get it. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

United Revenue Corp is reported as a collection debt on my credit report with XXXX. It shows date opened as XX/XX/XXXX and date closed as XX/XX/XXXX. Original Creditor is XXXX XXXX XXXX for a past due amount of {$630.00}. I am certain that this is not my bill. I also know for certain that I have not had any outstanding medical bills. I have had the same medical insurance since XX/XX/XXXX and use my flexible spending account in addition to my insurance to pay for any medical services. They have failed to contact me via phone or mail to provide me with any bills & contracts for this alleged debt. I have made numerous calls to them at XXXX along with the credit bureau and have made no progress.
Product: Checking or savings account

We gave a neighbor a check for {$100.00} for a high school graduation gift in XXXX of XXXX. The check was deposited into her account shortly after it was received. In XXXX of XXXX the same check was deposited a second time and was honored by our bank a second time. We noticed the check being cashed a second time immediately upon receipt of our XXXX XXXX monthly statement. We notified our bank BMO by phone and went in person to the branch around XX/XX/XXXX. We were told it happens when checks are deposited electronically and the holder doesn't destroy the original check. We were told it was deposited a second time electronically in XX/XX/XXXX. We were told the neighbor 's bank, XXXX honored the check so it was paid by our bank BMO. We were told the funds ( {$100.00} ) would be replaced in our account within the week. As of today XX/XX/XXXX the funds have not been replaced. On our second trip to BMO on XX/XX/XXXX we were told that the amount had to be over {$100.00} for it to be addressed at the branch level and our complaint had to be reviewed by a regional office. This does not give us any faith in electronic banking or even using checks if they can be misused and the bank doesn't pick up on routing numbers of checks that have already been paid.
Product: Debt collection

I never knew there was a a bill for XXXX of my daughters appointment from a XXXX XXXX in XXXX SD that come to the original clinic my daughter goes to And 7 months later a receive a call from triple A collections saying I owe money, so now they keep calling me but i would of know my daughter had a bill we wouldnt never let this happened
Product: Credit card or prepaid card

I have a Best Buy Visa Card. Never intended to get it at first because I have other credit cards. One time at a Best Buy store one of their sales agents was able to trick me into getting one after he said that there would be ZERO interest for 2 years and IF EVER I WILL STILL OWE THEM SOMETHING BY THE END OF 2 YEARS THE INTEREST TO BE CHARGED WOULD BE BASED ON THE END BALANCE ( caps for emphasis ). I have been paying, religiously, regularly and on time at least the minimum since the start. Payments were thru autopay. The promo period ended last XX/XX/2018. By Statement Closing Date XX/XX/2018 my balance was only {$650.00}. I knew interest would be charged by the next closing date but -- with all honesty -- was not expecting that it would be unconscionable. Since everything was on autopay, I did not bother to check said account. That is why I almost fainted when I saw today that I was actually charged {$820.00} supposedly as interest. All along I was assuming that my balance to date would only be around {$100.00} since I paid larger amounts after XX/XX/XXXX. Obviously, the guy who offered me the credit card at the beginning either did not know what he was talking about or deliberately misled me. I called Best Buy Customer Service but was transferred to a CitiBank Call Center agent by the name of XXXX who was not only unhelpful. She was INCOMPETENT AND RUDE. The call was placed just tonight at around XXXX XXXX Time. She could not even give me a detailed calculation as to how on earth the {$820.00} was arrived at. So I tried calling back the Best Buy Customer Service Hotline and made it clear at the start that I did not want to be transferred to a CitiBank Call Center Agent but still it seemed like they could not hear my pleas. Having hit a dead end, I am now hoping that CFPB could help me because I could not pay such unjust balance. I am willing to pay since I am aware that I have to settle my debts but only the fair balance. I now feel like Best Buy and CitiBank conspired to deceive me. I am now seriously considering filing Chapter XXXX Bankruptcy.
Product: Debt collection

On XX/XX/XXXX i received notification that I had a new collection account on my credit report. The collection was placed by credit collection company, Enhanced Recovery Company , LLC ( ERC ). I've never received any communication from this company about the alleged debt. A few days later, I called  them to find out what the debt was and from when. I was told it was a sprint account, which appeared to have been opened in XXXX. I proceeded to tell the representative that her information was incorrect as I had notified XXXX in XXXX that I did not open this account and someone probably stole my identity/information and opened this account under my name. That I provided XXXX with a bunch of paperwork and affidavits. I never heard back from them. So I assumed the matter was resolved. Now 6 years later, ERC placed a collection account on my credit report. This should have never happened because I told XXXX it was fraud when I first found out about this and not to mention, they are outside of the statute of limitations. The rep said he would notate the account/put red flag on it and notify sprint. 

I also opened a dispute with one of the credit agencies, XXXX. Per the results on XX/XX/XXXX, ERC has agreed to delete the collection from my credit report. Sadly on the same day, the collection account was reported to XXXX and XXXX. Needless to say I am frustrated at this point and wants this resolved because I am trying to rebuild my credit and this is causing an issue.
Product: Vehicle loan or lease

XX/XX/XXXX there was a natural disaster on XX/XX/XXXX I called the lender stating the car was a total loss my insurance provider was stating it was inundated in I told the lender the car was going to be payed off by insurance they continued charging and collecting effecting My overall original payout XXXX to XXXX and 3 months of late reporting one person stated they didn't have notes but I spoke to someone XX/XX/XXXX at XXXXXXXX XXXX who stated all the notes where in the system this has caused irreparable damage to my credit report
Product: Credit card

I was charged for purchases that I did not make. They were all done in the month of XXXX from XXXX. I have never been to XXXX. I did not report this for a few months because I was dealing with the death of my mother. Once I did report it I told them I had no idea where the card was. They remove the charges. Then without warning they rebuild me. They said they tried to make a phone call with no contact and they also had a letter mailed XX/XX/XXXX that was never sent out. When I called to complain the lady said that the physical card was used and those were my purchases and then I had to prove that I was not in XXXX at the time. It is almost impossible to prove a negative so I have attached my bank statement from XXXX so you can see the pattern of the charge. I have also attached the adjustment they gave me and then also the rebill.
Product: Credit reporting or other personal consumer reports

XXXX is reporting on my credit a debt that I do not owe {$1700.00}. I never opened an account with them or speedycash and the credit bureaus have failed to provide or remove the erroneous information from my report. 

XXXX XXXX XXXX is reporting on my credit a debt {$1700.00} that I do not owe I never opened an account with them or gave them any information and do not owe this debt. The credit bureaus have failed to provide or remove the erroneous information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

credco have been checking my credit for months that i have never authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received an arrangement with Barclays card. Paid the bill over 4 months ago. Have a check copy from my bank and a bank statement reflecting that the amount of XXXX, XXXX was paid and the company refused to clear my account saying that an investigation has to be done but it will take 60 to 90 days. Thats not fair that I have to wait almost 7 months for them to clear my credit. I need to buy a house. Please help me. I can give you copies of information. Thanks XXXX XXXX I need to buy a condo to live or will be homeless
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Experian, and XXXX is reporting account transactions and my identifying information from XXXX  XXXX and XXXX XXXX XXXX XXXX without proper consent. I never gave any written consent to any of the companies for share, transfer, or sell my identifying information. 

All the companies actions have caused a breach and now my identifying information has been exposed. These actions constitute identity theft and criminal activity. 

I am taking the necessary actions to require that the companies cease furnishing and reporting my information.
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 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX XXXX XXXX XXXX -- -- -- -- -- XXXX XXXX TRANSUNION XXXX XXXX XXXX -- -- -- XXXX XXXX XXXX XXXX XXXX -- -- -- -- - XXXX
Product: Credit reporting or other personal consumer reports

A collection in the amount of {$1000.00} is being reported as a collection on my credit file. The original creditor, XXXX XXXX, is claiming that I opened car insurance with them that has went unpaid. This is completely false and erroneous! I have never owned a vehicle in my life nor have I ever had nor authorized any person to open car insurance on my behalf. I have contacted XXXX XXXX, Transunion, XXXX and XXXX but this account still remains on my report. Please help!
Product: Mortgage

I have a mortgage for a condo. Besides the XXXX XXXX XXXX insurance ( mostly for structure ), I need to also provide my own condo insurance. 

In XXXX, my condo insurance lapsed due to miscommunication with my insurance company. 

In XX/XX/XXXX, my mortgage company ( Bank of Hawaii ) notified me that there was no insurance. Over the next 4-8 weeks, we worked through the discrepancy and my insurance was straightened out in early XX/XX/XXXX. 

If Bank of Hawaii purchased insurance for me during these months ( XXXX XXXX ), I have not problem with it and that makes sense. But they sent me a letter that they were charging me ( {$1000.00} ) for insurance for XXXX. When I questioned this, they said it was the rule and it was " retro-active ''. But they said that if I had needed the insurance back in XXXX, it would not have been in place and so I would not have been able to use it. 

So how can they charge me for insurance for XXXX when I didn't have insurance available to me in XXXX? And what kind of insurance company will sell insurance for a time period that has already ended?
Product: Money transfer, virtual currency, or money service

I used Cash App for 18 months. Three of the payments ( {$200.00} XXXX XXXX XXXX XXXX, {$50.00} XXXX XXXX XXXX XXXX, and {$3500.00} XXXX XXXX ). expired .. The money was deducted from my checking account. I have called Cash App to request a refund. My calls were met with rudeness. They have hung up on me, my CA history and my account were deleted. Letters from myself and my attorney remain unanswered, I wrote ( U.S.Mail ) to CFPB XX/XX/2002. Early XXXX I received a VM stating that I should call Cash A, reference my refund. A callback number was not left. The number per voicemail ( XXXX ) in addition to the number on the internet number ( XXXX ), " could not be completed as dialed. '' On two occasions, I reached someone who instructed me to purchase XXXX XXXX as " a test. '' Based on my history with cash App. I did not trust this process. Most recently, I received an email stating, my account received a {$65.00} credit, and " the matter was considered closed. '' it should be noted, I have continued to used Cash App during this period. help put me in touch with someone professional. Attention must be brought to the matter of my {$280.00} refund. I have documentation, unable to upload.
Product: Credit card or prepaid card

On XX/XX/2023 I applied for a Discover card through their website directly. My XXXX credit score on that date was XXXX Immediately after applying, I was asked to call an XXXX number. After calling the customer service number provided I was told that I would be receiving an email for a tax return release so that Discover can verify my identity. Discover received my tax returns from the IRS, including dependent social security numbers and information. After several weeks, I reached out to Discover to inquire about my application status. They now wanted pictures of my ID and social security card. About four weeks after my initial application, I receive a denial letter stating that Discover is unable to verify my application! This is absolutely ridiculous after they collected so much personal identifying information. I am requesting that Discover remove the hard inquiry from my XXXX credit report and permanently delete all personal information on file that they collected from me during the application process. As a California resident, I am entitled to request such. Lastly, Discover has no business collecting names and social security numbers of children and dependents on tax returns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX  XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Dear Credence, I trust this letter finds you well. I am requesting verification of the alleged debt, specifically, a copy of the original purchase agreement. Please be aware that the agreement must be with original creditor and signed by all parties involved. I am requesting this because I've had other agencies reach out to me in regards to the same debt. 
Also I kind request that you also send the following : 1.Verification of the original creditor, XXXX XXXX XXXX XXXX XXXX 
2.Detailed proof of the amount owed, encompassing any fees, interest, or additional charges. 
3.Clear documentation establishing Credence legal authority to collect this debt. 
4.Copy of Purchase Agreement I am also requesting deletion of all prior reporting made to any of the consumer reporting agencies i.e. XXXX XXXX XXXX XXXX XXXX 
Please cease all collection efforts until this alleged debt is validated as accurate and complete. Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Is Not Reporting all my Credit Cards or Credit History in the Open Trade Lines of Credit Reporting. Over two months ago I was added as an authorized user of One Capital One card with a 12 year Credit History, another Capital One Card with a 4 year Credit History and another XXXX XXXX XXXX with a 4 year credit history. I need ALL of these cards reported to my XXXX Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my XXXX Credit History. I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need XXXX to report these Lines of Credit that I am an authorized user IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

Yes on XX/XX/XXXX I had an unauthorized transaction of {$40.00} on XX/XX/XXXX another unauthorized for XXXX and then on XX/XX/XXXX I had an unauthorized transaction for {$180.00} through cash app these people got a hold of my phone and sent themselves the money I have XXXX couple doing it on my XXXX camera but yet cash app is telling me that I did this and I authorized it which I didn't it's not fair knowing that I have proof that I didn't do it but yet they're investigation says I authorized it I didn't I am out {$240.00} right now and that's my daughter 's money I'm a XXXX parent