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

I opened a TD Bank VISA in XXXX, 2021. I requested a standard, monthly, paper bill be sent to my address. The way credit card companies have done for 40+ years. All was fine. The card worked, I received a monthly account statement, and I paid my bill. 

Then, by XX/XX/2021, after receiving numerous TD VISA email requests to " VIEW '' my account online, I logged on to this account to just " VIEW '' the account. Nothing else, no changes, etc. 

But, without warning ( or ) clear notice this TD VISA logon process ; changed the account setup ; to ONLINE BILLING only, and turned off the monthly, paper bill. 

And guess what? The paper bill ( s ) still kept coming for 3+ months. Very deceptive and tricky, because I had NO IDEA the account was now online billing ONLY. No paper letter clearly explaining this change to WARN the customer of billing impacts to follow. 

Finally, by XX/XX/2021 the paper bills stopped coming, I logged on saw a " LATE FEE '' charge, and was upset as to why there was a LATE FEE. I called TD BANK and the nice service representative said over, and over, and over that I signed up for ONLINE BILLING ONLY in XXXX of 2021. 

Rather than argue with them. I turned paper billing back on. Setup payment. Paid the balance in full, including the deceptive late fee, and decided to share this experience. 

How a credit card company can deceptively TURN OFF paper billing without clearly letting the consumer know is beyond me. In my opinion their clever online software which does this by default ( or ) automatically is illegal and they should be investigated for fraud and punished. 

There are probably thousands of consumers that this practice is happening to, and the VISA companies are just racking up illegal late fees.
Product: Credit card or prepaid card

I applied and was approved for a XXXX XXXX XXXX card with the promotion being XXXX points received once XXXX dollars was spent in the first 3 months, which I completed in a little over a month. I surpassed the XXXX dollars required and called to ask why my points have not been awarded. After talking to customer service, I had the call elevated to a supervisor where he repeated what the CS agent had told me that since I had already received bonus points with another AMEX card ( XXXX ) recently, I was declined the bonus points for this card. I was never told about this via call or email because if i had, I may have not kept the card. I have been an AMEX card holder for 23 years and I find this practice extremely shady and disappointing that i had no issues with my other AMEX accounts. I believe i should receive the full XXXX bonus points that the promotion stated, and why I applied.
Product: Checking or savings account

I received an online savings account statement from Goldman Sachs Bank USA. It provided me an account number and information that an account was opened in my name with the account balance of XXXX. I did not authorize this account to be opened nor did I give Goldman Sachs any of my information, I'm just trying to make sure that this account is closed and Goldman Sachs is not able to help me close it at this time. And I want to make sure that there's no activity on this account before it is closed officially.
Product: Credit reporting or other personal consumer reports

Recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that Experian, XXXX, XXXX will investigate this account further for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : XXXX  XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Should credit bureaus be band from doing business? 

My main concern is that the credit Bureaus seem to be slow in updating my credit score. Their slowness makes it to where my credit scores remain at their lowest. Meanwhile, they continue to bombard me with credit improvement services so they can make money. 
I believe the credit bureaus need to be held accountable for this unscrupulous practice. The credit bureaus need to be made to update consumers ' credit record daily not monthly. 
If the credit bureaus want to remain in the business of keeping credit records of the American consumers, they must held accountable. I make this request because the credit records they keep currently have an impact on the American consumers ' daily life. 
The American consumers make purchase decisions daily. Many of these decisions require an up to date credit report. Therefore, we, the American consumers, should not be made to wait for a monthly report. 

Conclusion The consumer should not be made to suffer because bureaus are not doing their job effectively. They take on the job to keep life changing credit record on the public ; they must provide daily up to date record on the consumers. Did we ask them to keep credit records on us? No
Product: Debt collection

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization XXXX be violating XXXX U.S.C XXXX XXXX ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act XXXX XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]
Product: Consumer Loan

Paid off loan in XXXX 2012. After multiple attempts have yet to receive my title or a lien release letter. Was told the original was " lost in the mail ''. Now I am expected to replace a title already paid for once and wait until Ally Financial decides it 's convenient for them to send me my documents.
Product: Bank account or service

Will you guys ever support XXXX or XXXX pay. It is such an inconvenience at stores because with the chips in the cards people never know if they have to slide or insert their cards. You guys support XXXX Pay. Why wo n't you guys support XXXX or XXXX pay? Please respond. 
Sincerely, A frustrated customer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has put many debts ( XXXX on XXXX alone ) on all my credit reports. In XXXX, I sent a request for a verification of debt and XXXX XXXX XXXX XXXX did not respond and continues to report multiple errors to all credit reporting agencies. Per FCRA, since they did not verify they debt, they should not be reporting errors to the credit reporting agencies.
Product: Debt collection

I am unaware of the below accounts and inquiries and I did not give any person or company my written or verbal consent to have, use, and or obtain my nonpublic personal information to apply for credit. The FCRA state in 15 USC 1681c-2 any item the consumer ( me ) declares as fraud SHALL be blocked from reporting within XXXX business days of receipt of notice
Product: Credit card or prepaid card

I did a random credit report pull from XXXX. I noticed multiple fraudulent accounts were reporting on my personal credit report. I have never opened any of these accounts and I have tried multiple times to contact the credit bureaus to resolve this issue. We are still in contact the credit bureaus to resolve this issue to no avail. We are still in contact with these companies to have this false information and fraudulent accounts off of my credit report.
Product: Bank account or service

On XXXX/XXXX/15, I deposited a {$5000.00} check using the Bank of America mobile app. I received a notice that the money would be available that day to cover checks and the next business day for cash withdrawal. Later that day, I scheduled a credit card payment to XXXX for {$4700.00}. The next day I received a notice telling me that the funds were going to be held and they would not be available. I then received a notice telling me that my account was overdrawn because they had held the deposit funds and deducted the credit card payment. Next I received a notice stating : " There were not enough available funds in your account to cover the transactions listed below [ {$4700.00} ] as of the date of this notice. Your account balance was {$5500.00} after we processed these transactions ; this includes fees shown below ... Check Number/ Debit Type - Electronic payment. Amount - {$4700.00}. Action Taken - Returned. Fee Charged - {$35.00}. " The absurdity of the above is clear just from reading it. The bank told me the funds would be available on a certain date, changed that date, and refused to cover the check based on that date. Furthermore, even their notice makes no sense. They returned a check for an amount less than the balance they provided in that same notice. The bank has since refunded the {$35.00}, but their behavior is unethical and caused damage to my relationship with XXXX Bank due to the returned check and may result in a returned check fee from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX,. I never paid the following accounts late, XXXX  : TransUnion  and XXXX  are not reporting this account, XXXX  is reporting a payment status of 60 days late but does not provide the dates this account was late, XXXX XXXX : TransUnion is reporting a payment status of current but reporting late payments of 30 days late in XX/XX/2019, 60 days late in XX/XX/2019, 120 days late in XXXX and XX/XX/XXXX, XXXX  is reporting a payment status of current but reporting late payments of 60 days late inXX/XX/2019, 90 days late in XXXX and XX/XX/2019, 120 days late in XX/XX/XXXX and 150 days late in XX/XX/XXXX, XXXX  is reporting a payment status of current but reporting late payments of 30 days late in XX/XX/XXXX, 60 days late inXX/XX/XXXX, 120 days late in XXXX and XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, ORIGINAL CREDITOR Account Number XXXX TransUnion and XXXX  is not reporting this account, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$130.00}, XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX no balance reporting, XXXX  is reporting an opened date of XX/XX/XXXX no balance reporting, XXXX  is reporting an opened date of XX/XX/XXXX no balance reporting. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information or provide proof with signatures of my agreeance to these accounts. Please help me to get this matter resolved.
Product: Checking or savings account

My mother and I have a joint checking account with XXXX XXXX XXXX. In XXXX XXXX XXXX one of our checks were stolen from a USPS mailbox and counterfeit checks were made. Chase Bank cashed these checks for the offenders. The theft was reported to the XXXX XXXXXXXX XXXX sheriff 's dept. It is XXXX # XXXX. The offenders were located in Tennessee. Chase bank has yet to reimburse us for the money of the counterfeit checks they cashed. If you would please assist us in this matter, it would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am formally writing this complaint because my credit report is being damaged by the company GROW CREDIT INC. I have disputed with GROW CREDIT INCXXXX regarding inaccurate information that they have furnished with the consumer reporting agencies for the past 2 months to no avail. They did not correct the inaccuracies I provided them in my letters along with copies of supporting documents and they were given multiple chances to do so. As a result of their consistent failure, I requested to GROW CREDIT for the account to be removed for both XXXX and XXXX and told them that they would be liable for reporting misinformation, but they ignored my request to do so and still will not let up regarding the fact that they were wrong and had failed to correct and update the info that they had furnished with the CRAs. I provided documentation showing that there are bonified inaccuracies and that the account information in my consumer disclosure reports did not match up. Specifically, regarding the late payment dates showing in the payment history. " XXXX, XXXX ''. I have attached 2 consumer disclosure reports and a credit report from a 3rd party company which are all showing inaccurate info reported from GROW CREDIT INC. The Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( b ) states ( 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.

GROW CREDIT INC. has not been complying by this law. It is not fair, and it is abusive and damaging to my reputation and credit worthiness. Furnishers must : conduct a reasonable investigation review all relevant information provided by the consumer report results to the consumer, generally within 30 days notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4 ( e ). GROW CREDIT INC is still reporting inaccurate information to the consumer reporting agencies. I am filing in request for remedy regarding this matter. Please see the evidence provided once more.
Product: Credit reporting or other personal consumer reports

Experian did not provide a proper reinvestigation into this account : Account Name : XXXX XXXX XXXX Account Number : XXXX I have been provided with computer generated information claiming to be verified after reinvestigation. I submitted complaint XXXX on XX/XX/XXXX requesting a description of the reinvestigation and they did not provide it, which is a violation of 15 USC 168i ( 7 ). I did not receive description of the reinvestigation. 

Also withing the report, there are still inaccuracies. According to 15 U.S. Code 1681e ( b ) - Compliance procedures, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Experian is blatantly reporting inaccuracies of the account above with the following examples : Status of this account reports " Account charged off. {$13000.00} written off. {$13000.00} past due as of XXXX XXXX ''. If written off there should not be a reported balance. 

Inaccurate payment status : XXXX and XX/XX/XXXX are Both showing 30 days late, this is not mathematically possible. XXXX, XXXX, and XX/XX/XXXX are all showing 30 days late, again this is not possible. On XX/XX/XXXX, a C/O ( charge off ) status is reported, for the next 12 months, from XX/XX/XXXX, to XX/XX/XXXX, there is MISSING data. 

These inaccuracies are misleading and shows no confidence in the reporting of this account, and is detrimental to my credit worthiness. Please delete this inaccurate-filled account immediately.
Product: Debt collection

I pulled my credit report from all three Bureaus : XXXX, XXXX, XXXX. I noticed that Waypoint Resource Group was  reporting negative on my report. I sent them a certified letter to verify the debt they claim that I owe to them in the amount of XXXX. 
we received a signed returned slip. slip was signed on XX/XX/XXXX and we have not yet received anything or heard from them, its been well over 30-45 days. After speaking to a representative at XXXX  he stated that this account looks to be re-aged. Dated this account back to XXXX of XXXX and now is being reported a open date of ( XXXX ).
Product: Credit card or prepaid card

YOUR COMPLAINT I purchased furniture from XXXX XXXX XXXX in the XXXX in XX/XX/2019. I paid {$5200.00} for the order using a store credit card from Synchrony Bank. We did not receive the furniture delivery and when we contact the store they were no longer in business. We reached out to Synchrony to dispute the purchase and receive a refund since we did not receive the merchandise. Synchrony has not been helpful in resolving this matter. They have also damaged our credit since they reported the account as late or delinquent. We requesting a full refund and removal of the debt since we never received the merchandise from the merchant and Synchrony was aware of these issues. XXXX XXXX called me and stated that they moved to a different store and that they would contact synchrony to issue a refund
Product: Credit card or prepaid card

Creditor : Capital One Bank Denied line of credit increase to account holder based on information reported and/or obtained by credit bureau reporting agencies. The information reported has caused an adverse action against me and I have not been provided the identifying agency information of the provider.
Product: Credit reporting or other personal consumer reports

I received a credit report from Equifax ( File XXXX ) dated XX/XX/2024 which indicated that a re-investigation was completed regarding accounts with the following institutions : 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. However, the " date updated '' for all these accounts remained unchanged. This discrepancy suggests that Equifax did not conduct a proper investigation into my dispute, as required by law. Equifax failed to include a " Notice of Dispute '' in my credit report, which is a clear violation of FCRA 623 ( A ) ( 3 ) which Ive highlighted proof in the attached documents from Equifax. I have attached a FTC report and Identity Verification affidavit previously forwarded to Equifax, supporting my claim of identity theft. Please remove these fraudulent and inaccurate accounts from my report.
Product: Vehicle loan or lease

Contacted the Chase XXXX Member line concerning SCRA benefits as an Ohio resident for two closed auto loans on XXXX XX/XX/2019. Both loans had an interest percentage above 6 % and wanted them to refund interest charged over 6 %. Personnel said they would review the auto loans and we should expect to receive a letter from them in 60 days or less. We were also told that they had received all required documentation form us and did not need anything further. I have yet to receive any a letter or any communication on the status of the review.
Product: Debt collection

I repeatedly tried to fax them information, verify information, and have processed information for student loan forgiveness, student loan consolidation, and income driven repayment. They continually did not process information in a timely manner, could not tell me if they received information, needed me to send information excessively ( faxed daily for over a month ), and overall mismanaged my account to the point where I should been on year 7 of student loan forgiveness and I am currently on roughly the 3rd year which they state can not be corrected in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXInquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXXXXXX XXXX XXXX XXXX  Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX  Balance {$950.00} XXXX XXXX XXXX XXXX {$2200.00} XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} ; XXXXXXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX Balance {$4500.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Team Recovery continues to call harassing me using obscene and profane language and threatening I owe an alleged debt. I ask how did they received my personal and private information because they do not have my written consent. This alleged debt was discharged and paid for they are violating my consumer rights and pursuant 15 usc 1692e ( 2 )
Product: Credit reporting or other personal consumer reports

I contacted XXXX, Equifax and XXXX on XX/XX/XXXX and XX/XX/XXXX regarding late payments noted for two accounts ( XXXX and XXXXXXXX XXXX XXXXXXXX ) as they were reported in error and I have not received written notice back from any of these credit bureaus. 

XXXX late payments reported : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX late reported : XX/XX/XXXX