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

My mom has TD bank checking account. She wrote a check ( {$2000.00}, check # XXXX ) payable to me and I made a mobile deposit to XXXXXXXX XXXX XXXX XXXX XXXX The check was clear on XX/XX/XXXX. All good. Suddenly, on XX/XX/XXXX, XXXX XXXX  withdrawn {$2000.00} and said " The Federal Reserve shows this check as being deposited twice and we are required to comply with their adjustment request. Since the check has cleared, the maker should have their bank research for more information '' I thought this kind of issue should be resolved by XXXX XXXX  since they withdrawn the money for the cleared check. So, I submitted the complaint but it seems like they can not resolve the issue but gave the following response : " As TD Bank is the paying bank of the check you deposited, we ask that the maker of the check contact TD Bank to further investigate your concern. The reference number provided from the Federal Reserve is XXXX. '' My mom contacted TD bank several times but TD bank keeps saying " your son needs to contact XXXX XXXX  to resolve the issue ''
Product: Debt collection

Received a call from XXXX XXXX with XXXX XXXX XXXX XXXX regarding a debt, account number XXXX. I communicated to her that I've been paying the debt for 5 years, and it hasn't decreased. I told her that I'm being charged interest daily. I then proceeded to attempt to say that I've tried settling ; however, before I could state this. She said okay, I'm going to recommend my client to file a lawsuit. She then disconnected the call. I called her back, and the call went to voicemail. I've been paying {$60.00} or more, monthly, on the debt since XX/XX/XXXX. The balance has not decreased. The balance started out at {$2900.00}, and is now over {$3000.00}. I attempted to settle ; however, they would not allow a settlement. I've paid over {$3000.00} on this debt in the past 5 years. I filed a complaint before, and XXXX XXXX was upset, and mentioned it to me. She is now retaliating. The most recent payment was made in XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really need help removing old addresses that don't belong to me and it's not even required under the provisions of FCRA. I've contacted each credit bureaus individually and sent them all the documents for over a year now, but they've failed to removed those addresses on the attachments. Please see the attachment for detail. it's my understanding under law, that the agencies are held to a high standard to ensure that the information on the consumer credit is 100 % accurate and things that don't need to belong there, therefore, need to be removed. I'm asking again, and I've attached it here as well, Please delete those addresses. As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated informationmustbe deletedimmediately from my credit report asthey are not reportable as per theFCRA, since they are inaccurate. Please delete and send me an updated report!
Product: Debt collection

I wrong my credit and i found a medical collection that is reported by Aargon collection agency for {$180000.00} but i haven't be at the hospital and another one from XXXX XXXX account # XXXX {$960.00} those account are not my
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent account that has been inaccurately reported on my credit report. I have thoroughly reviewed my credit report and found an account that I did not open and have no knowledge of. This account is negatively affecting my credit score and does not belong to me. 

I am a victim of identity theft, and this fraudulent account was opened without my knowledge or consent. In support of my dispute, I am enclosing the copy of the Identity Theft Report filed with the Federal Trade Commission ( FTC ).
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & XXXX continues for years to lie or they have made a mistake and verified this public record as accurate when the dates are ( incorrect Experian has date as XXXX ) first inaccuracy : wrong date ( XX/XX/year> ) ( correct date : XX/XX/year> ) and the spelling of the name is different spelled ( wrong XXXX ) inaccuracy : XXXX ) ( correct spelling : XXXX ) from the legal name and in fact Experain claims to verify this inaccurate information with the Courts today I will prove Experian wrong I have disputed the public records with the XXXX Bankruptcy XXXX who is the actual source of this public record information and they stated they never share anyones public records information with any credit bureaus nor do they verify or validate any public record information only with Government officials. This account is in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. ( 1 ) Reinvestigation required. ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. I will upload copies of the letter from the XXXX XXXX XXXX XXXX stating they dont verify or validate public records information with any credit reporting agencys and I will upload a copy of the public record to show inaccuracys such as wrong dates and wrong spelling of my legal name and XXXX inaccuracy the reference # on Experain is different then on the official public records document as well ( reference # is wrong XXXX ) ( correct reference # is XXXX ) and Experian sent me an email stating they refused to allow me to dispute the public records because of lack of proof of inaccuracys and lack of specific information and I will upload the time Experian verified with inaccurate public records information for years on going violation of my rights according to the fair credit reporting act!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and loss. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX  Secured loan Balance : {$810.00} ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  Secured loan Balance : {$6200.00} ACCOUNT NUMBER : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX comenity store credit card : I purchased a XXXX XXXX in XXXX. They billed me for XXXX @ {$130.00} and another exact charge is pending on my account accruing interest. I have emailed them and they either do not answer or they do and direct me to call customer service, I do and they tell me it will be taken care of and it is still there. I asked to speak with a manager and they told me it would do no good.
Product: Debt collection

XXXX Hospital - Date of Service : XX/XX/XXXX Account Status : [ PAID IN FULL ] FRAUD COLLECTION PRACTICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of services of " Observation '' for services rendered on XX/XX/XXXX XXXX {$730.00} ) and XX/XX/XXXX ( {$910.00} ) Reporting : XXXX  and XXXX   ACTION TAKEN : Cease & Desist and Dispute with credit agency.
Product: Payday loan, title loan, or personal loan

Please refer to CFPB complaint # XXXX. This is my second part of my complaint for the second company involved in my dispute. 

Affirm Loan ID : XXXX ( disputed ) Affirm Loan ID : XXXX ( disputed ) I have made multiple attempts to dispute the above-listed charges through Affirm and XXXX. Both companies are pointing the fingers at each other. I do not want this to impact my credit negatively due to my security clearance.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle failed to investigate my claims adequately. They informed me that receiving lost funds was impossible and that the transaction was unfeasible.
Product: Credit card

On or around XX/XX/XXXX I applied for a credit limit increase of my XXXX dollar credit card. Capital one denied my request for a limit increase. Currently they are still sending me preapproval letters and emails for up to XXXX for a new car. This seems very odd that I could afford a new car for XXXX and somehow cant afford a new credit card limit that probably would have have only been XXXX dollars. 15 US code 1691 states it is illegal to be denied credit. Adverse actions are illegal. It is unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. ECOA 1002.6 ( b ) -1 which is the equal credit opportunity act prohibits any creditor from using a prohibited basis in any system of evaluating the creditworthiness of applicants, except as permitted by the act and part 1002. What they are doing is unlawful and they must be fined at least at a minimum XXXX dollars for these unlawful acts they are committing. Thank you.
Product: Debt collection

I get called a minimum 3 times a day XXXX XXXX XXXX XXXX XXXX and sometimes up to 7 calls a day over a missed monthly payment. I have also received voicemails saying that if I do not contact them back by X date they will negatively impact my credit. Most of the time they call from an unlisted number and do not leave a voicemail which is not a good way of making sure that I know why I was called in the first place. These are the same robo-call tactics that phone scammers use. This has been going on for years.
Product: Vehicle loan or lease

GM Financial last reported my car payment as past due in XX/XX/2017, and in the 5 months since have not updated my credit standing to any of the bureaus. I am not past due, and am in fact making my payments early. After calling GM Financial multiple times regarding this issue, they've informed me that due to a system update in late XX/XX/XXXX they were unable to correct the problem. This has affected my credit negatively, as it a ) shows I have been past due since XX/XX/2017b ) I haven't made a payment since that time c ) I have a high debt balance as a result.

GM Financial has refused to make amends and fix their mistakes time and time again. They've reported me as past due multiple times in the past simply because they forgot to update my account once payment was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has put a security freeze or ID theft alert on my credit report without my authorization. They did this because i caught them in a lie about information they are reporting. This alert is impacting me from getting credit and they know it and they are violation federal law.       XXXX   is the one who put the fraud alert on the report then they notified Equifax and  XXXX  to do the same.     I DID NOT AUTHORIZE ANY FRAUD ALERTS OR SECURITY FREEZES AND THEY ARE TO BE REMOVED IMMEDIATELY. THEY ARE SAYING THAT I HAVE TO SEND IN A WRITTEN REQUEST THIS IS INCORRECT, THEY DID A FULL ID VERIFICATION ON ME AND STILL REFUSE TO TAKE THE ALERTS OFF MY REPORTS.     THIS GOES FOR ALL  XXXX  BUREAUS.
Product: Credit card

Hi, this was the most recent letter written to Comenity Bank. I continue to have problems and get no response. 

Since opening my card in XXXX I have had multiple issues with payments and charges to my account. 
- XX/XX/XXXX, I was out of the country and denied re-entry to the US due to having XXXX. This time frame was greater than 30 days. I checked all of my accounts prior to leaving to ensure autopay was active and all but my Comenity payment had processed. I made the payment upon returning but eventually a late payment hit my credit reports causing them to drop on average XXXX points! 
- Around this time, your business was switching financial institutions and there were no updates to my balance for 7 months! This falsely elevated my credit utilization which did not reflect my ability to pay back the debt to other lenders. 
- XX/XX/XXXX, an unauthorized amount of {$830.00} was debited from my account. This was the full amount of a purchase I recently made that came with a 0 % promo period. I had insufficient funds in that account, was charged an overdraft fee by my bank, and this payment was not returned to me for 10 days. 
- Since the payment was returned, Ive been hit with multiple interest charges to the balance and this should not be accruing interest. I was supposed to have 9 months of 0 % interest to repay for my purchases. One was removed and at my most recent request to have the second removed and the 0 % restored to my account appears to have been disregarded as it is still there. 

As of this writing, the interest payment has not been removed, I still have not gotten any response. Today when i logged in to check that the payment would be drafted via autopay, it shows no automatic payments are set up even though last month it was and ive made no internal or external changes with my account. 

Thank you for taking the time to read this, XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting 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.

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 th
an records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX  XXXX {$690.00} XXXX  XXXX {$11000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or have any knowledge of such inquiries. 

XXXX  - XX/XX/XXXX XXXX  XXXX XXXX XXXX Bank Credit Cards  XX/XX/XXXX XXXX   CITI CARDS CBNA Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Unions XX/XX/XXXX XXXX
Product: Debt collection

Midland credit management ( XXXXXXXX XXXX  ) began collecting a credit debt by calling numerous times, sending process servers, and mailing demand letters. I contacted XXXX XXXX XXXX  and the case was dismissed on XX/XX/2020. However, they've continued sending letters, and have refused to remove the debt from my credit bureau when their lawyers did not show to court. This company has overstated and inflated this debt to ravage my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment showing on my XXXX account and my XXXX card neither of which have been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report and notice there are some accounts that are still reporting and they are paid in full and should be deleted from my file. I have also noticed some accounts are reporting from a third party company and should be deleting because I have no signed contracts with them. 
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

There was an account opened in 2012 with XXXX that is showing as an adverse account on my credit history. I have filled several disputes with both Transunion and XXXX XXXX. Neither of which have been able to resolve the issue. XXXX XXXX can not even locate an account in my name and so therefore has " no way of filling a dispute '' or helping me resolve the issue. The XXXX info listed on the Transunion report has no phone contact, so I mailed a letter to the address provided and have still not received a response. I had an Mor furniture account with them years ago that was paid in full, on time. They accrued some additional charge that supposedly was left unpaid and sent to collections. They resolved the issue as it was an error on their part, but it is still ruining my credit.
Product: Credit reporting or other personal consumer reports

Back XX/XX/year>, I sent the appropriate letters for the Credit Bureau 's specifically Equifax and they never removed it. The issue now is, I own a business and it is hindering me to remove loans because I am the sole owner of the business that they are checking my credit. It still reporting that the Bankruptcy is still on there even though the account is discharged it reflecting poorly on my credit worthiness. I do have a copy of what letter was sent along with removing hard inquiries off my credit report but those haven't been removed either. XXXX XXXX is XXXX of the major XXXX party bureau 's reporting wrong information as well.
Product: Debt collection

I was wrongly accused of owing {$350.00} in unpaid rent. I submitted my dispute letter to the debt collector, and while they ceased reporting me after I raised my dispute, they continue to contact me through email. It is expected that they would provide an update on the outcome of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXXXX/XX/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