23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Complaint Against TD Bank Regarding Fraudulent Charges To Whom It May Concern, I am writing to formally file a complaint against TD Bank regarding their denial of my claims concerning fraudulent charges made on my account. 

On the following dates, I noticed unauthorized charges on my TD Bank credit card account : {$240.00} on XX/XX/2024 {$700.00} on XX/XX/2024 Upon discovering these charges, I promptly reported them to TD Bank, expecting a thorough investigation. However, my claim was denied, and I was informed that the charges were valid. The representative make me feel that I was lying about the charges, which is entirely untrue. 

I have provided all necessary documentation to support my claim, including transaction details and any correspondence with TD Bank. I believe this situation constitutes a failure on the part of TD Bank to address fraudulent activity appropriately and to treat me, their customer, with respect and fairness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

These people approved me for a XXXX XXXX card. Blocked my card instantly. Then sent me a letter saying my account was fraudulent. Without even trying to verify it wasn't. They said I reported it as fraud which is a lie. There customer service says reapply for the card and I do this then Im denied. With another hard pull to my credit report What a terrible company to deal with. I filled a dispute with XXXX XXXX. They said this has happened multiple times and they are looking into using other reputable credit companys to handle the financing. Good job td of making XXXX XXXX look bad. All I know is I applied for this card I received this card I was approved for this card. No fraud was any where in the picture. I never reported fraud. I looked like a fool in the XXXX XXXX store trying to make a purchase. Fix this issue or I will figure out some way to file a suit for discrimination.
Product: Credit reporting or other personal consumer reports

I signed up for the Experian app to monitor my credit. When it came time to renew my plan I decided I no longer wanted to use their services when I went to cancel it will not generate the option for me to cancel its stuck on the payment screen demanding payment when I no longer want to pay for my services I just want to cancel and I shouldnt have to call to have this done. Just as easy as it is to sign up it should be just as easy to cancel yet its not & I feel like that a predatory tactic to continue taking folks money.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681C-2 " EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY XXXX XXXX THE REPORTING INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THT RESULTED FROM AN ALLGED IDENTITY THEFT '' PLEASE REMOVE THESE ITEMS AS IT IS A VIOLATION TO MY CONSUMR RIGHTS
Product: Bank account or service

For the past year, I have repeatedly informed this institution on the best feasible way to reach me and each correspondence is sent certified mail. I have stated on the web for the past 6 months that I CAN NOT access the loan portal page since Bank of America changed some permissions on the portal so I am unable to access and technical support was unable to override. 

Per the attached, there has been challenges with either receiving mail or having mail sent of the office. ( see attached ). If I am unable to obtain some items which are FREE this would indicate that are issues. I also requested that if I needed to be contacted to please contact me at my residence at XXXX. I am charged to connect to BOA from XXXX and if a fortune XXXX company can not contact regarding this issue or issue a collect number I 'm further concerned about this consistent attempt of BOA to insist they have n't received documentation and/or can not contact me. In addition, there is a XXXX hour time distant from the XXXX to XXXX so please do not contact me after XXXX. 

Additionally, on three separate occasion BOA or its agents have been on-site to either threaten or prevent rental of this property. This documentation has been sent on various occasions with dates and names. This has cost me thousands of dollars to include issuing a writ of possession since the agent informed the tenant that she should not be paying rent. Eviction resulted in XXXX worth of damage to the residence. BOA asked if I would be able to pay XXXX of good faith money down and I asked if they would like for me to put those funds down or to pay for the damage. There was never a response so I assumed the repair I have before and after photos to validate my good faith. 

This coupled with the fact that this company has not attempted to complete the RMA, sent back two certified full payments which would have taken the house out of foreclosure at the time and NEVER informed me to make a payment. Illustrates the intent of this institution to be unwilling to adhere to acceptable mortgage servicing practices. 




Therefore, I requested that the home be sold at XXXX which is the cost of the last appraisal conducted. This also is in accordance with the loan modification process ( attached ) but NOT adhered to by BOA. 

With all the documentation that I have on file and the correspondence submitted and not acted upon I am pretty confident, well documented solid case. I am unsure if this case of rampant through BOA or if this is a rare occurrence. However, I truly do not wish to have any dealing with BOA and would like to sell this residence so I can get on with my life.
Product: Payday loan, title loan, or personal loan

I told the company I wasnt able to pay until the XXXX and they accepted my payment arrangement with a debit card setup. I still received calls, after XXXX XXXX on a weekday regarding my loan. I explained to them that I have already promised a payment on the XXXX with someone else that has called. They continued to call my personal cell phone and my work. Both times I explained to them that I do not appreciate being harassed every second of the day and would appreciate if they do NOT call my place of employment OR my personal cell phone from here on out considering I do have a payment set up. They still are calling my phone AS WE SPEAK. They even have called from their personal cell phones to try to reach me even with my promised arrangement on XX/XX/2023.
Product: Credit reporting

Someone stole my personal information and identity and opened up an unauthorized and fraudulent credit card account with XXXX. The account or debt do not belong to me. The following inquiries are unauthorized and fraudulent : XXXX, XXXX, XXXX, XXXX. I have been receiving harassing and threatening telephone calls and death threats from XXXX representatives.
Product: Debt collection

PLEASE SEE ATTACHED I AM THE VICTIM OF ID THEFT I AM ATTACHING MY FTC REPORT
Product: Credit reporting or other personal consumer reports

I am writing this complaint to EXPERIAN that I want to dispute specific records in my credit file that do not belong to me, and it had erroneous information, particularly in regard to a bankruptcy record. Please erase the false information that keeps harming my credit report. Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported delinquent payment XXXX XXXX on my credit report but sent letter saying I had until XX/XX/XXXX to pay balance. I payed off balance ; I owed {$360.00} and had to pay {$690.00} XXXX XXXX. I have proof as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed out a notarized certified green return receipt dispute letter to LexisNexis. Then on XX/XX/year>, I contacted them by phone. I informed the supervisor that according to 15 USC Code 1681i, they were supposed to complete their investigation and submit to me by US mail within 30 days with a response. I then informed him that as of XX/XX/year>, I have not received anything from LexisNexis. The supervisor stated that they have not mailed out a response as of yet. I then informed him that based on this violation, the law states this account must be deleted. He then stated that he can not delete the account. I also informed him that according to 15 U.S. Code 1681b -Permissible Purpose of Consumer Report, LexisNexis was supposed to provide me with all of the disclosures based on 15 U.S. Code 1681b including written and signed proof showing that gave permissible purpose to list this bankruptcy on my consumer report. He then informed me that they do not need to provide this proof to me. I informed him that again that LexisNexis was in direct violation of 15 U.S. Code 1681b. Therefore, again based on these numerous violations, this account must be immediately deleted. Then I reminded him that I provided them with the letter from the United States Bankruptcy Court that states that they do not verify or report to consumer reporting agencies. The credit report states that LexisNexis verified the bankruptcy. So again, I told him based on that the account should be deleted. Again, the supervisor refused ... ..etc the conversation went on and on for an hour. So, I told the supervisor that he continued to refuse me my rights as a consumer.
Product: Debt collection

I will attach a letter for tax penalty collection. I never received any original bill for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 
The following is the fraudulent account with late payments/charge offs status that I need removed by this company : XXXX XXXX XXXX XXXX Account REF # XXXX, XX/XX/XXXX ( 6 yrs., 9 months ), Term 300 months, Highest Balance {$7000.00} I am attaching the dispute letter/documents I sent to this company on the XX/XX/XXXX and my small claims forms, in case they need to reference or review.
Product: Debt collection

I would like Navient to remove the 9 missed payment remarks on my student loans they placed in error. 

Navient failed to place me on an approved deferment for my student loans in Fall of XXXX semester, billed me early due to this inaccuracy & then placed 9 missed payments on my credit report despite this being their error. Due to them failing to place me on deferment they approved, I was hit with a large bill early that I could not pay & they inaccurately placed 9 missed payments on my credit report when I should have never had this billed this early. 

Below is my letter to Navient with more detail : Dear Recipient, My name is XXXX XXXX & I am a customer of Navient during my tenure at the University XXXX XXXX. I am reaching out to dispute the 9 late payment remarks on my credit report by Navient. I am disputing these due an error of the payments. 
At my time at XXXX in Fall of XXXX, Navient failed to put me on deferment following my request approval below attached. I was at least half-time per below of XXXX definition & my transcript attached. 

Navient failed to put me on my deferment for 6 months & you began billing me. On a side note, I had to testify & be involved in a months long court case in XXXX, GA where XXXX XXXX XXXX XXXX XXXX XXXX  so I was completely unaware of this Navient error. 

I began being billed XXXX which would not make sense with my deferment. I stated this was an error & I shouldnt be billed & I continued to be billed through XXXX  at this inaccurate amount. Despite my claims of the error, my bill went up to over {$700.00} on XX/XX/2018 which I could not afford that inaccurate bill : My billing should have started on XXXX on your deferment forms on your website & I was hit with 9 late payments on my credit score for not paying this inaccurate amount made in error by Navient. 

I am now looking to buy a home & these 9 late payment amounts are ruining my life plans. This was an error by Navient not registering my half-time deferment & billing me an inaccurate date/amount that I could not afford. 

Can you please remove these 9 late payment remarks because this was all created in error. If I had my first bill on the right time around XXXX, 2018 I would have made the payment, but Navient had major errors in the amount owed. 

I have attached all material needed in this letter. 
Thanks, XXXX XXXX
Product: Vehicle loan or lease

This is an addendum to Complaint # XXXX.in regards to new information discovered on XX/XX/2019. I received a voicemail from XXXX XXXX  of VW Credit in regards to my receipt of an email dated XX/XX/2019 that VW Credit has reported, yet again, that my XXXX  payment has not been made. Volkswagen of America was to have made my XX/XX/XXXX car payment on XX/XX/2019 and was told that the process had been started to remove the lack of payment from my credit report. Today, XX/XX/2019 through voicemail left by Ms. XXXX, I was told that  the check Volkswagen of America sent to VW Credit had a stop payment on it. I was also told that an electronic payment was made on XX/XX/2019. Why was a stop payment placed on the check? Volkswagen treats a long standing customer with indignity. I am the one whose credit is affected. I am the one who is being played with. Well, this is not a game and Volkswagen ought to be ashamed treating me this way after 22 years as a customer. I wish to rid myself of my relationship with Volkswagen and will take steps to do just that. Both VW Credit and Volkswagen of America have cheated me enough. It needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXDate of Inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

After attempting multiple attempts to resolve these law violations the creditors and bureaus are liable for i am reaching out to cfpb to deal with this horrible mess. 

according to 15 us code 1681 eb- its the consumer reporting agencies job to ensure maximum possible accuracy when deal with a consumers information. Because they didnt this was and still is an obvious violation and fcra law states any inaccurate information found and disputed if correct should be removed from report, each bureau has failed to acknowledge my dispute letters. I demand these accounts to be removed off my credit report asap. so many inaccursies its not even funny from dates opened to the remarks which also is a violation because the consumer agencies arent holding the creditors liable for reporting false and inaccurate information, they are all responisble for these issues causing me a great deal of distress. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Regions Bank is refusing to refund fraudulent debit card charge. On XX/XX/XXXX my debit card ( along with several other credit cards ) were stolen. A transaction was made almost immediately to the thief 's XXXX account ( XXXX ) for {$300.00}. I reported the card stolen within 2 hours ( honestly I think it was under an hour ) to Regions Bank. I reported it stolen that night over their XXXX number ( and to the local police department ) and then I went into a local branch and was told they couldn't do anything until the transaction was actually posted. Only THEN could a dispute be filed. 
On XX/XX/XXXX they sent a letter to me telling me no credit to my account would be made for this fraudulent transaction. The stated reason was " Transaction verified with your card credentials. Transaction passed fraud analysis ''. 
So as a matter of routine and apparent policy they do not limit user 's liabilities to {$50.00}, which is the law according to the Electronic Fund Transfer Act ( EFTA ) or Fair Credit Billing Act ( FCBA ). If I'm not understanding the law correctly, please let me know, but every source I've seen says I'm right. 
It took me several days to get a live person to speak with at Regions ( knowing the local branch wouldn't be of any help, it's out of their hands according to the person I spoke with ). When I did finally speak with someone they told me nothing could be done.
Product: Mortgage

This seeks to resolve a longstanding issue related to escrow practices that put my mortgage in jeopardy as addressed in previous complaint #  XXXX .  XXXX  's  XXXX   XXXX  's response only restates its policies, but fails to provide the information I need to bring this account into current standing. I also continue to hold that  XXXX  's business model does not provide for the informed risk assessment necessary to have made the decision to place an escrow ( and fees ) on this account to begin with. I, having a clear majority of the property equity had the greater incentive to make a separate arrangement on the back tax amount at the time. Instead,  XXXX  sabotaged the note. That said, before I submit another payment on the belief my monthly payment will return to the normal amount of approximately {$500.00} per month including the monthly escrow payment, I need to make a very specific arrangement that again,  XXXX  's business model does everything it can to prevent or avoid. In short, the only approach  XXXX  's call centers offer is to  ( 1 ) lay er even more fees onto the account without even explain the fees that are about to be applied and without ever reaching the {$500.00} normal payment amount or  ( 2 ) to r oll all of that into a refinance through which  XXXX  would take even more fees. These are conflicts of interest that do not serve the lender Morgan Stanley and do not serve to reach the goal of returning to regular monthly payments and begin making progress against the principal again. To accomplish that I need the following information from  XXXX  :  1.  What is the total amount of payments  XXXX  has received since the escrow was placed on the account?  2. W hat would have been the total amount of payments due at the normal monthly payment amount of approximately {$370.00} after the escrow was applied and {$500.00} per month since hazard insurance was added? ( If the regular monthly payments would have been significantly higher than {$370.00} and {$500.00}, please explain why. )  3.  What is the difference between  # 1 and # 2  above, and how does that figure break down between unpaid escrow balance s ( if a ny ) and fees that have been layered into the account without ever being explained to me? Again, I seek to make an arrangement to satisfy the above to bring the monthly payment down to the regular amount of approximately {$500.00} without layering any more fees into the account.
Product: Credit card

Ref : Amazon Card Acct # XXXXGentlepersons : I am writing to dispute the erroneous credit reporting by showing wrong balance which is damaging my credit. Facts are stated below. Please verify and correct the reporting to all three credit-reporting agencies to whom I am marking cc. 

I only once charged this Amazon store credit card before requesting to close the account for unacceptable customer service. My statements were mailed to USPS mailbox. During the period I was reported late, my mails were erroneously returned backed to senders. Another creditor XXXX had same issue. However, XXXX confirmed that they did receive statements back from post and gave me full credit of late payments and finance charges. 

Recently unbeknownst to me these late payments with no mistake of mine were reported to credit reporting agencies, damaging my impeccable credit. I called your agent and paid the balance on XX/XX/XXXX except for {$2.00} insurance charge. I did not pay insurance charge because I did not voluntarily enrolled in Insurance. None of my creditors require me to pay for insurance. I asked your representative to close thee acct. 

I was surprised to see balance of {$43.00}, when called call was routed to XXXX collection agent, who gave me following information, which does not make sense. He transferred me to XXXX, US Rep of Bank who was very courteous and patiently understood the situation and confirmed XXXX balance and submitted information to correct erroneous late payment information to all the credit agencies to restore my good credit. I have already raised dispute with Transunion. 

Talked to collection agent XXXX XXXX - XXXX XX/XX/XXXX payment due, {$16.00} XXXX/XXXX/15 Only XXXX Charge was madeXXXX Could not confirm if charge was {$16.00} why amount due raised to {$39.00} of which I paid {$34.00} on XX/XX/XXXX In spite of my conversation with agent in XX/XX/XXXX your representative confirming resolution, without any extra purchase still late fees of {$35.00} were tacked on. On XXXX/XXXX/2015 XXXX confirmed XXXX balance and promised that collections will not send me bills and credit reports will show no late payments. 

I would appreciate a letter confirming that credit agencies have been apprised and no late payments will show on credit. Thanks and regards. 

XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX