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

TD Bank XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX RE : XXXX XXXX Account Ending : XXXX In XX/XX/XXXX, I purchased a XXXX  item, which included a promotional 12 month XXXX subscription and financed that item with XXXX XXXX through TD Bank XXXX The item was purchased using a twelve month no interest promotion through TD Bank. I made consistent timely payments on the item throughout the twelve month agreed upon time frame. The bill that I received in XX/XX/XXXX showed a total balance of {$150.00} due on XX/XX/XXXX. I made that {$150.00} final payment to you on XX/XX/XXXX which should have completed any financial obligation to TD Bank for XXXX XXXX After I made that final payment, I received a bill from you, TD Bank, with a new balance of {$430.00} due on XX/XX/XXXX. I immediately contacted TD Bank to correct the erroneous charge. A case ( Case # XXXX ) was opened by TD Bank XXXX On XX/XX/XXXX, I received notice from TD Bank that research was being conducted concerning my issue. I also contacted XXXX on XX/XX/XXXX, and spoke to XXXX, to notify XXXX that I did not wish to renew the XXXX subscription. On XX/XX/XXXX, I followed up with XXXX and was assured that the charge would be removed. 

On XX/XX/XXXX, I received notice that you found insufficient evidence to support my claim. Per your findings, you say the merchant provided signed sales receipt and/or delivery confirmation. You also found that payments were made on the account from XX/XX/XXXX to XX/XX/XXXX. Please note that I agree with the statements that you made and that this was not my dispute. I did receive the merchandise that I ordered and made payments for the agreed upon amount. My issue, again, is that I DID NOT AGREE to renew a subscription with XXXX  and TD Bank. Furthermore, I immediately took actions to have the unauthorized renewal charges removed. XXXX and TD Bank both disregarded my request as the customer, prolonged my suffering and has continued to bill me for an unauthorized renewal. 

I received a XX/XX/XXXX statement from XXXX XXXX with the {$430.00} charge still on the bill, although it was noted on the bill that the amount was disputed. On XX/XX/XXXX, I again followed up with XXXX in effort to have the unauthorized subscription renewal removed. I spoke with XXXX, who now says that he can not remove the charge. 

Once again, I am requesting that the unauthorized renewal amount of {$430.00} be removed and you cease and desist any contact with me regarding these unauthorized charges. 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XX/XX/2020 XXXX distributed a tax payment out of our escrow account to a property we don't own. The property has a similar address. They also made the correct payment for my home. As a result our escrow balance dropped and our monthly mortgage payment was increased several XXXX dollars to make up the deficit. XXXX did not correct the issue and in XX/XX/2020 we were sold to XXXX. 

I have sent all the information to the refund proxy department at XXXX in XXXX to try and recover the tax payment in the amount of {$2100.00}. They have yet to reply or contact me. Each time I try to follow up I receive a standard interim letter. I have provided them all the documentation. I have contacted the Town. We just want our money back.
Product: Checking or savings account

Someone opened bank of america XXXX XXXX account with my details
Product: Mortgage

I watched a commercial for Rocket Mortgage on TV and decided to give them a call to get a rate quote to refinance my home loan. I wanted to rate shop before making a decision on which company I would use. The person at Rocket Mortgage who took my call gave me a rate range of low 4 % to mid 5 % and would not give me a more accurate rate unless I applied for a loan which required me to give him my social security number. 

I told the rep that I had an XXXX FICO score, a loan to value of 30 % and had proof of income. I said I don't need an exact rate just a ball park rate. He said he couldn't quote a rate without taking a full application. I said I have bought 10+ homes in my life and I have never had a mortgage bank/company not be able to give me a approximate rate. Having consumer 's have to give a full application and run their credit report unnecessarily is wrong on so many levels. I think that Rocket Mortgage just wants you to complete a full loan application before giving you an approx rate quote so that you will go with them since the application is complete and that is not a fair business practice. 

Call made on XX/XX/XXXX from cell phone # XXXX XXXX XXXX XXXX or XXXX XXXX
Product: Credit card or prepaid card

In early XXXX I found charges on my credit card online account dated back in XXXX. Upon looking at all charges found more charges that werent mine dateing back to XXXX. I called in to report unauthorized charges and I could not find my credit card nor did I have it in my possession. 
On or about XXXX I was contacted by the Chase fraud department about these 7 charges dated XX/XX/XXXX for {$1300.00}, XX/XX/XXXX for {$160.00}, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for XXXX. These charges are not mine nor made by me. 

In a second conversation with the chase fraud department I was told by the agent that according to my public records I worked for an equipment company in the past and these are equipment type businesses an I received letter from the Chase fraud department dated XXXX with their decision on their investigation stating I received benefit from all purchases disputed. This credit card as the majority of my other credit cards signed check id. Chase hasnt ever provided me with how they came to the decision of me receiving benefit from these charges as I didnt make these charges nor did I benefit from them Ive spoken with Chase numerous times and will still take their calls an explain this situation to them everytime. Ive wasted entirely too much time an effort in trying to resolve this issue and has became nothing less than harassment. Ive filed disputes on my credit reports an items still havent been removed.
Product: Debt collection

I'm struggling with identity theft. I really didn't expect this to happen to me. As a result, they are suffering financially and psychologically. It's very scary and terrifying to see someone use a card that I haven't used yet. I sincerely hope that you will promptly correct the incorrect information and show the correct information.
Product: Debt collection

I noticed a debt on my credit report from this collection company, Transfinancial in XXXX XXXX, for {$150.00}. I contacted them to pay and was repeatedly yelled at and hung up on by a female employee. I then contacted the hospital directly and found out there were XXXX debts, ( XXXX for {$150.00} each and XXXX for {$210.00} XXXX, totaling XXXX. I paid {$300.00} on XXXX XXXX and {$210.00} on XXXX XXXX, 2015 directly to the hospital since multiple attempts to pay the collection agency failed. 

When I paid {$210.00}, I confirmed with the hospital that Transfinancial will be notified of the payment in full that day in accordance with their policy. 

Yesterday, ten days after paying all debts, Transfinancial posted on my credit that the account totaling {$210.00} was seriously past due and in collections. This debt has never been posted on my credit when it was actually due. It is incorrectly and illegally posted since the debt was paid in full and the posting was after the debt was reconciled. This should have never posted in the first place.
Product: Debt collection

I opened an account with XXXX XXXX on XX/XX/XXXX with repayment terms of {$28.00} per month interest free for six years. My account is managed by XXXX XXXX XXXX XXXX. I make my payments via XXXX XXXX XXXX. I have made ALL my payments either on time or in advance. I can document all of these payments. I was pre-approved for a home loan by XXXX XXXX XXXX XXXX, TN on XX/XX/XXXX. My credit score was well above the required XXXX. I was set to close on a home on XX/XX/XXXX. On XX/XX/XXXX XXXX Bank reported to all three credit bureaus that I was 60-90 days late and demanded {$240.00}. in late fees. My score plummeted 100 points. Since I had already paid {$1000.00}. in earnest money, {$350.00}. for an home inspection, and {$400.00}. for an appraisal, I paid the {$240.00}. in an attempt to recover my score. It didn't work. I lost the home. Now I'm stuck indefinitely paying outrageous amounts to keep my things in storage and live in temporary housing.
Product: Debt collection

I recently filed a complaint about LVNV FUNDING attempting to collect a debt without properly giving me notification for the following account XXXX. I requested that they provide me with evidence that they gave me proper notice allowing me to dispute the debt before it reached my consumer report however they did not provide that document. I also requested the purchase agreement since they claimed that they purchased the debt but they also failed to provide that ( complaint # XXXX ). A different company ( Resurgent Capital Services ) than the onXXXX on my consumer report responded to my dispute which violates the Fair Debt Collection Practices Act. Now I am certain that they are attempting to collect a debt that is not owed and are falsely reporting an account on my consumer report without having any proper verification. XXXX has actually deleted this account from my consumer report which further proves the validity of my claim ( see attached ). Pursuant to 15 U.S. Code 1692g ( c ) Failure to dispute the validity of a debt can not be construed as admission ( I never received proper notification nor have they provided proof I received notification ). This is a huge violation of the consumer protection act and this is going to be their last chance to rectify this situation by deleting this account from my consumer reports before I seek further action. If LVNV FUNDING believes otherwise, then I demand that they provide the certified green return card bearing my signature at least 30 days prior to reporting this information AND the purchase agreement.
Product: Debt collection

On XX/XX/XXXX a letter was sent to my address along with a bill. On XX/XX/XXXX @ XXXX I faxed a validation letter to afni asking them to provide validation of said debt. I also included the XX/XX/XXXX letter and bill that the sent. I asked for validation. Then a few weeks later I received another letter, that they did not have enough information to verify ( which I asked for validation ) and they wanted me to provide my information to them. On XX/XX/XXXX I responded to that letter and told them it is not my job to validate, it was theirs since they were collecting debt. I told them if they could not validate said debt, cease communications with me about this said debt and remove from all remarks of this debt from all my credit reports. After doing some more research on this company I found out that they re age ( as per bill AFNI sent me was dated XX/XX/XXXX-XX/XX/XXXX ) the said debt. I also found out that as of XX/XX/XXXX in New York State there was a new law passed. Statue CLRP 202 if the company that your originally owe said debt to is not based out of New York the statue of limitations on collections will be based on the original creditor Home state. According to the bill that AFNI has sent me, XXXX XXXX XXXX the creditors head quarters is in Texas. Texas SOL is 4 years. 4 years is XX/XX/XXXX. Because the home state SOL is 4 years in Texas where the head quarters is, I would like AFNI to stop reporting to credit bureaus and remove all negative remarks and their account from all my credit reports. I have not heard back from AFNI regarding my second letter dated XX/XX/XXXX. Again I did ask if debt could not be validate by them, then to remove account from credit reports and cease and desist with attempts of collection of said that they can not validate. As of XX/XX/XXXX, their  accounts and remarks are still on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I paid a credit card deposit of {$200.00} for a secured credit card. I closed the account due to the fees assessed to my account during my financial hardship. I received calls regarding my account, during my unemployment period. I was actively seeking employment, and once I found a job I called the company to see I could arrange for a settlement. Once I reached a representative, she stated to pay them off would be a total of {$170.00}, after my initial payment of {$25.00}. After making the payment of {$25.00} I received a statement stating my total balance that was greater than the {$170.00}, I then spoke with a representative earlier this week XXXX/XXXX/15, and was told that there is no settlement agreement on the account, and that to bring the account current I needed to pay, {$230.00}. Which is way more than my deposit, and I was told that my deposit was already used toward my balance, which makes no sense.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX  Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Upgrade , Inc. has unjustly restricted access to my personal line of credit, despite my repeated attempts to address the matter in good faith. Over the past 60 days, I have submitted three written notices and emails, asserting my rights, titles, and interests under applicable law, and provided my Durable Power of Attorney ( DPOA ). I also amended the existing contract, revoking all previous agreements, and made necessary changes that align with my rights under federal and state law. Upgrade has failed to respond, violating my rights to redress and breaching their contractual obligations.

Details of the Issue Restriction of My Credit Line : Without justification or proper notice, Upgrade suspended my line of credit, denying me the ability to use my account. This restriction violates my constitutional right to contract and redress, and breaches the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), which mandates accurate reporting and proper notification of adverse actions.

Non-Compliance with Contract Law : Upon submission of my amended contract with accompanying legal documentation, including DPOA, Upgrade had a duty to address the changes and notify me of acceptance or rejection under UCC 2-207. Failure to respond constitutes willful non-compliance and fraudulent misrepresentation.

Demand for Securitization Audit : I formally requested a full securitization audit of my account under 15 U.S.C. 6801 ( Gramm-Leach-Bliley Act ) and applicable consumer protection laws. This audit is critical for transparency regarding the usage of my credit application and funds. Upgrades refusal to comply violates federal statutes governing disclosure and transparency.

Legal Violations Equal Credit Opportunity Act ( ECOA, 15 U.S.C. 1691 ) : Unjust restriction of my credit access constitutes discrimination and non-compliance.

Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) : Failure to provide clear, accurate information about account changes violates TILAs disclosure requirements.

Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) : Improper notification of account restrictions and potential adverse credit reporting breaches FCRA guidelines.

Uniform Commercial Code ( UCC 2-207 ) : Upgrades failure to acknowledge or respond to my amended contract constitutes a breach of good faith in commercial transactions. 
Case Law Support : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Reinforces the requirement for creditors to disclose all changes in terms transparently. 
*XXXX XXXX XXXXXXXX : Establishes that the promissory note or credit application constitutes sufficient funding, obligating Upgrade to uphold the credit agreement without arbitrary suspension. 
XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) : Affirms enforceable consumer rights under federal statutes.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a dispute letter to verify all the information on my credit report. I sent it the dispute via certified mail with confirmation of receipt and tracking # XXXX. 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. XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. XXXX account # XXXX, has violated my rights because the date of last active is inaccurate, date opened is inaccurate, and payment status is inaccurate. This is grounds for removal. XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, the date last reported is inaccurate, and the date opened is inaccurate. XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. XXXX XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, the date last reported is inaccurate, and the date opened is inaccurate. XXXXXXXX XXXX XXXX account # XXXX, has violated my rights because the date of last active is inaccurate, and the date opened is inaccurate. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. Attached are before and after disputed credit reports, confirmation that credit bureaus received request.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Sincerly XXXX XXXX