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

Last year I received a promotional flyer from TD bank in my mailbox. This promotion was a bout a welcome offer bonus of {$300.00} dollar, when you met the following requirements : XXXX XXXX XXXX XXXX Checking account. 
XXXX. Get paid by Direct deposit at least {$2.00} within 60 days of the account opening. 
I went to the TD branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX, ( XXXX ) XXXX. 
Showed up with the promotional flyer and my personal documentation to procced the with account opening, when I got at the branch, I spoke with the BRANCH MANAGER AND THE BANKER who helped me through the process mentioned me, that I was good to open the account and get the promotion if I met the mentioned requirements. 
I opened the account on XX/XX/2022 and I got the first direct deposit FROM XXXX XXXX PAYROLL on XX/XX/2022. 
Today is XXXX, and the welcome offer they promised me isnt received yet. 
I contacted TD customer service by secured messages since XX/XX/XXXX, explained the situation and theyre just going back and forth with me. What their saying is that their promotional department couldnt find my promotion. I am so upset at this point, is not fair because I am a customer like any other TD customer, I meet all requirements and I deserve the same benefits even more because I had the promotional flyer. 
I demand TD bank an answer as soon as possible, why I must refer this to the CFPB instead of just receive the benefit automatically like all your other customers.
Product: Credit reporting

On XXXX/XXXX/2016 I used XXXX, which ultimately directed me to the Experian website to obtain my XXXX bureau credit report. I ultiamtely paid {$39.00} for this, despite that it is freecreditreport.com and implies a fee credit report which does seem deceptive to me the problem is not so much the {$39.00}, I agreed to that cost, it is that on XXXX/XXXX/2016 and XXXX/XXXX/XXXX I was charged {$21.00} without my authorization, and I need that refunded. 
The first step I took was to cancel any recurring billing, it is always my habit to do this to avoid this type of situation. Further it is a bit of an outrage for a credit reporting agency to engage in this kind of behavior, we expect it from the local gym who " forgot '' to cancel your recurring billing, but not from an organization like Experian we are supposed to be able to trust. 
The agent I spoke with today XXXX/XXXX/2016 at about XXXX XXXX was named XXXX and her employee ID is # XXXX, she was as helpful and understanding as possible but indicated her supervisor would only authorize XXXX refund of {$21.00} not both charges. If these charges were valid, they would not reverse any of it, so it is clear to me they acknowledge I did in fact cancel the billing as I described, it is in essence them asking for me to pay for their mistake which is unfair. 
Further, when I called it was at first explained to me that the {$39.00} alone gave me access to my credit information for 180 days. Then during the call I got an email regarding downgrading which I did not request. Then later in the call the agent, XXXX informed me that I only had paid for 30 days of access. A lot of confusion really, it seems as though things were made up as they went along.
Product: Debt collection

15 usc 1681 602 15 usc 1681 604 15 usc 1681 c a 5 15 usc1681 s-2 a1 15 usc 6802 all codes that effects this complaint I tried everything 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On or about XX/XX/2023, I requested, via email, that TD Auto Finance reduce my interest rate on my auto loan under the Ohio SCRA which differs from Federal SCRA and apply interest rate credits accordingly. I attached my Ohio Active Orders to my email. 
Ohio SCRA Section 7.1. specifically states : To help ease financial burdens created by active military service, Section 527 of the SCRA provides servicemembers with a 6 % interest cap on all debts incurred prior to XXXX XXXX, interest cap on all debts, not just those incurred prior to XXXX XXXX [ emphasis added ] On or about XX/XX/2023 I obtained a letter via USPS requesting a copy of my Ohio Orders which I provided my Orders again and returned on or about XX/XX/2023 via USPS tracking and TD Auto Finance received XX/XX/2023. 

On XX/XX/2023, I contacted TD Auto Finance for a status and was told to contact a representative and was provided a telephone number to call. When I called the message stated that all representatives were busy and I could not leave a message after holding on for several minutes. I have not received a response from TD Auto Finance regarding the SCRA for current/ future payments and credits. 

I am requesting a status of the interest rate reduction and credits.
Product: Debt collection

I originally owed a debt to XXXX XXXX, their credit card. I had difficulty due to the economy. I had been working with XXXX debt co but they sold my debt. Ultimately the debt was purchased be XXXX. They began garnishment without allowing me to resolve my debt. I sent them a money order for the full amount. I had to call back but they sent me a letter that the debt had in fact has XXXX satisfied. Then I 've received XXXX with what appears further court action. They are XXXX. After a XXXX search I discovered they allXXXX have been sued for their practices as they were or are in business together. After I read the suits and that you have won a suit against them all, I decided to make you aware that they are still at in in XXXX and XXXX 2016. Hope you can help me.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

Consistently, I've made sure payments on this account are always on time, avoiding any instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2015, my ex-husband stole my identity and purchased a vehicle in my name without my authorization. When I first learned about the theft it was through an alert from my credit monitoring service. I immediately filed a police report documenting the theft. At the time I was unaware of how my information was stolen or who stole it. I have tried to have this information removed from my file by way of disputing with XXXX ; however, the creditor, Suntrust Bank, continues to place this debt on me despite sufficient proof of fraud/identity theft. Early this year I received an legal affidavit from a person who identified themselves as XXXX XXXX. In the affidavit she admitted to conspiring with my ex-husband to use my identity to purchase a vehicle in my name without my consent. Upon receiving this notice I immediately went back to the originating police department and filed an updated police report. I also contacted XXXX to put them on notice to have the information removed from my credit. After waiting two months XXXX stated Suntrust alleges the information is accurate. This information is not accurate. My identity was stolen by my husband during our divorce process. He used my identity to open several financial accounts in my name as well as file taxes. He used an address in which I've never lived. I have provided documentation of this and have filed a motion in court to have a judge rule in the matter as a result of the supporting documentation I've have. I also would like to point out that XXXX has sufficient information regarding the matter as well to ensure this fraudulent information does not continue to report falsely on my credit file.
Product: Credit card or prepaid card

And XX/XX/XXXX I apply for the Apple credit card I did have a fraud alert and a credit freeze I have lifted my credit freeze on my credit file stated that anyone is applying in my name any bank who is receiving my application I need to contact me to verify my identity but Goldman Sachs refuse all theyre telling me is to reapply and thats what I did reapply when I realize that something is really wrong they even ask me for My ID I gave them my ID I still yet they are sending an email stated they could not verify me In XXXX I receive a third email stated that I may have another account open in my name I have asked them the information of that account they refuse to give me it they sent me to XXXX XXXX XXXX XXXX said there not stopping them from verifying me because they are seeing almost XXXX inquiries Pull from them I must go somewhere else and apply for a different credit card and see what happened so in XX/XX/XXXX I apply for a XXXX XXXX XXXX  credit card and a XXXX credit card I was approved in XXXX for the both cards and yes they did call me to verify that I am the one that is applied for the card I do not know if its discrimination thats why them do not want to call me to verify me but if they do not want to verify me they need to take them self off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct inaccurate information on my credit report. However, XXXX  XXXX XXXX XXXX doesn't allow me to dispute it on their website. There's always a technical error for the past 6 months.. This is what the apps says. 
Something went wrong. 

We encountered an error while trying to process your request and your dispute was not successfully submitted. We apologize for the inconvenience. 

You can go directly to XXXX  to file this dispute Return back to XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

The company which is self financial inc/XXXX XXXX  gave someone a loan in my name and they failed to give me any info 2 weeks ago when I called when there was still XXXX dollars owed and now all the sudden not even 2 weeks later I get a new report and the loan was paid off in good standing from collateral!! I wish to know how if they didn't know the individual responsible. Who did they go after supposedly.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate 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 or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Account Name : XXXX  XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am writing to formally request your immediate attention to incorrect late payment information reported on my credit file for my XXXX XXXX  account ( Account # XXXX ) **. Despite submitting two previous dispute requests on XX/XX/XXXX, and XX/XX/XXXX, these inaccuracies remain unresolved. This negligence violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), and has caused significant harm to my creditworthiness. Summary of Discrepancies and Errors : XXXX. Inaccurate Late Payment History : XXXX : Reports a 30-day late payment for XX/XX/XXXX ( incorrect ). 
XXXX : Reports a 30-day late payment for XX/XX/XXXX ( incorrect ). 
Equifax : Reports a 30-day late payment for XX/XX/XXXX ( incorrect ). XXXX. Inconsistent Account Details : High Balance : XXXX and XXXX : {$1500.00} Equifax : {$1500.00} Credit Limit : XXXX and XXXX : {$1500.00} Equifax : {$0.00} Reporting Dates : Last Verified : XXXX : XX/XX/XXXX XXXX : Not provided Equifax : Not provided Date of Last Activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Legal Violations : XXXX. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i requires credit reporting agencies to conduct a reasonable reinvestigation and ensure the accuracy of information when disputed. The continued reporting of inaccurate late payments reflects a clear failure to meet this obligation. 15 U.S. Code 1681e ( b ) mandates that credit reporting agencies maintain the maximum accuracy of consumer information, which has not been upheld in my case. 2. Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b requires creditors to issue periodic billing statements at least 21 days before the due date. The inaccurate late payment reporting indicates a failure to meet this requirement, as no such notification was provided. 3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act requires creditors to provide accurate and timely statements to prevent unfair penalties to consumers. The inaccuracies in my credit report directly contradict this obligation. Requested Resolution : I formally request the following actions to resolve this issue : 1. Immediate removal of the incorrect late payment notations for XX/XX/XXXX ( XXXX and XXXX ) and XX/XX/XXXX ( Equifax ) from my credit report. XXXX. Correction of discrepancies in account details, including high balance, credit limit, and reporting dates. XXXX. Written confirmation that these corrections have been made. If these inaccuracies are not resolved promptly, I am prepared to escalate this complaint, including filing additional complaints with regulatory agencies such as the CFPB, FTC, and state attorney generals office. Legal action to ensure compliance with federal laws will also be considered. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of these corrections within the next 15 business days. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX Account number : XXXX has violated my rights. 
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal information that does not belong to me. I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureau deletes any ITEMS listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my report. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XXXX XX/XX/2022
Product: Credit card or prepaid card

I was alerted to possible fraud on my account by Goldman Sachs ( XXXX XXXX ). I immediately checked the transaction. The bank had flagged the two subsequent ones and declined them but the first one went through. I called them and notified it was fraud. My account number was changed and then days later I saw a temporary credit for the amount. It was {$2500.00}. A few days later I receive two emails. The first one saying that they ruled in favor of the merchant ( the merchant is in the XXXX, I live in Florida ) and that I would be responsible for the charges. The second email stated my account was closed! The entire account was closed. I called them to ask what was going on. They said because my account was closed they could not help me. They were extremely unhelpful. I explained that this was clearly fraud, the merchant had tried to charge my card after the initial charge and it was declined, and then another fraudulent charge was also declined. I had immediately contacted them. They could not provide me with any documentation why they ruled in favor of the merchant and why they closed my account. I am enclosing copies of everything I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute the attached accounts with bank of America in regards to charge offs but without success.This company has continued to violate the California Credit reporting act by reporting these accounts that were never charged off, they were merely settled after falling late just a few months.
Product: Credit reporting or other personal consumer reports

A XXXX account appeared on my credit reports for all 3 reporting agencies in XXXX of XXXX. I filed a police report and followed all of the instructions XXXX and the credit agencies requested. It still shows on my report to this day. It was opened, from what XXXX says, in Florida, which I have never lived in, and is with a company I have never had an account with ( XXXX ) In short they refuse to do anything. I have been trying for three years to fix this and finally found out about this service.
Product: Student loan

I have several months that are not being reported to the credit bureaus that shows my account as current for all months. The missing months include that following : XXXX XXXX, XXXX XXXX, XXXX and XX/XX/XXXX, and XXXX XXXX.
Product: Credit card

I am no longer an authorized user for this tradeline XXXX XXXX. Account has been closed and should be removed from Equifax credit report.
Product: Mortgage

I originated a loan with XXXX XXXX  who then had XXXX do the servicing. In XXXX, I attempted to log in to the servicer website. I was denied access. They were in process of transferring my loan. My payment was due on XX/XX/XXXX. I refuse to pay by phone. I want to do everything through an online portal. After much finagling I was able to log in. Then I lost access XXXX days later. This was due to a site upgrade. They told me it would be XXXX weeks before I gained access. I finally was able to log in and make my XXXX payment. Now as I try to make my XXXX payment, I once again have no access to the website. It is not my issue. It is their issue. And they make it clear they are a debt collector and given that I have never in my existence ever dealt with a debt collection company this is grinding my gears. I have excellent credit and never miss payments. This is absurd that I have to call every month because their system wont allow me access.
Product: Money transfer, virtual currency, or money service

I paid for a service, a money remittance on XX/XX/2023. Supposed to be in the beneficiary 's account in minutes. It's been 3 days. I call moneygram 's customer service for an explanation they blame the recipient 's bank, they say the recipient 's bank have the funds available and they don't know when the recipient will have the funds deposited into his account but they will investigate. I tell them the recipient really needs those funds and that if they can't make sure he receives the money like right away I would like to cancel the transaction. Customer service then tells me that is no possible that I have to wait up to 90 days. I just talked to the money transfer beneficiary, He went to his bank to find out the reason for the money not being there. It turns out there is not money they are withholding, that by law they can not withhold any funds that belong to an account holder. I call customer service, this time just to cancel. But again I'm told " not possible ''. I ask to talk to somebody else and this person tells me that whoever I talk to it's going to tell me the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

all filed ftc remove the attachment Report Number : XXXX Date Generated : XX/XX/2020 print iconPrint Your Report Potentially Negative show tooltip button XXXX/XXXX/XXXXDetails XXXX XXXX/XXXXDetails XXXX XXXX XXXXDetails XXXX/XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDetails XXXX/XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXDetails XXXX XXXX XXXX.Details XXXXXXXX XXXXDetails XXXX XXXX XXXXDetails XXXX XXXX XXXXUnder Dispute