23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I wrote a check to my roommate to cover my rent for the upcoming month. I dated the check for the date that my paycheck would be in my account. I have done this countless times before and never had an issue. The check was dated for XXXX XXXX. On XXXX XXXX, 2016, TD Bank ( the bank my check was from ) allowed the check to be cashed. That in turn caused my bank account to be overdrawn by nearly {$900.00}. When I contacted TD Bank to ask why they would allow a check that was post dated to be cashed, I was told that they " do n't really look at the date on the check ''. Since when?!? I asked to speak to a manger and was told again that they do not even look at the date on the check anymore. And that " in this day and age, the date on the check does n't matter ''. The manager then explained that if I write a check to someone, they have up to 364 days after the date on the check to cash it ... So, they pay attention to the date in case the check is old, but do n't care if the date on the check has n't even occurred yet. How are you going to rationalize telling me the date matters if it is past 1 year after the check was issued, but that if it is prior to that date, you do n't care as a bank? I explained that because of this issue, I now did n't even have the money to get home from work that day. The manager then explained that I should know better than to post date a check and that I should not do it in the future. Overall, it was a very unsatisfactory customer service experience. They however were 'kind ' enough to reverse the {$35.00} overdraft fee that had occurred due to them cashing the check before the date on it. 
Today, XXXX XXXX, 2016, I looked at my bank balance and there was an additional {$70.00} that had been taken out of my account. {$35.00} for the account being over drawn ( I do n't get paid till Friday XXXX, XXXX that is why the check was dated for that day ), then, because that {$35.00} overdraft fee came from an account that was overdrawn, they charged an ADDITIONAL {$35.00}. I called the bank and had a very pleasant young lady who reversed the {$70.00} charge and also told me that she agrees with me that it is terrible business to allow a check to clear two days prior to the date that was on the check. I have had checks from government agencies and no bank will cash that check till the date on said check. But, because I am just little old me, somehow it does n't matter. 
It is really a shame too, I used to sing TD bank 's praises, but they have really done down hill. And they have lost a customer in me, along with every person I can convince to leave this bank.
Product: Debt collection

I had a credit alert from all of all credit reporting agencies ( XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX stating that XXXX XXXX inserted a collection in the amount of XXXX to XXXX XXXX XXXX. On XXXX XXXX XXXX I submitted a complaint to the Consumer Financial Protection Bureau asking for Verification and Validation that this account was mine. On XXXX XXXX, XXXX they responded with the attached letter. I also received a letter in the mail from XXXX XXXX stating that enclosed was verification that the account belonged to me. The supposed verification was what looked to be an old bill. This company has failed to provide me the requested verification that this account is mine. They have not present a sign contract bearing my signature or any type of photo identification. On XXXX XXXX, XXXX I got an alert that the collection was added to my report after this company failed to comply. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the  documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. I have never had an account with this company I have never spoken to this company and I do not have a contract with this company. This is an incorrect debt that Diversified Consultants has placed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company since I paid off my Car in XX/XX/XXXX Car was paid in by me it says 4 charges off on my you can't have charged off for a car that's paid off along with showing late payments on one account from XX/XX/XXXX until XX/XX/XXXX of my account and on the other credit agency there are remarks saying that my account is paid off and having remarks saying charge off and collection you can't have a charge off and collection and paid off all at the same time. They refuse to remove these inaccurate remarks off my account so I ask that this account removed from all 3 credit agencies this company has called my credit profile to be effected and me to be turned down for getting credit for other lenders because of this and it is totally wrong and they should not be able to violate my consumer rights and continue to keep these negative items on my credit report. please have them to remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is not a duplicate complaint. I'm not using a third party for this matter. I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. I have filed FTC report and included in this matter. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
Here are these hard 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
Product: Credit card

I opened up an account a few years ago with U.S. Bank with my then husband XXXX XXXX. After separating, we both went to a local branch to sign myself off all accounts. We sat with a personal banker as I signed my name to be legally taken off all accounts. I found out months later, that an account was hitting my credit, and it was with U.S. Bank. My now ex-husband XXXX XXXX XXXX took out a credit line with U.S. Bank that still had my name and social security number attached. I have no idea what the money was spent on, and he is not paying off the balance as agreed upon. U.S. Bank lied to me about being taken off, and closing all accounts that were associated with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to change the dates of the file they had in my name-I DID have a card with them but IT HAD A BUNCH OF UNAUTHORIZED CHARGES ON IT FROM ID THEFT THAT THEY NEVER FIXED AND EVER SINCE THEY KEEP CHANGING THE DATES TO HURT MY CREDIT WHEN I HAVENT HAD CREDIT WITH THEM IN OVER A DECADE! ALSO ... 
( 2 ) As I was the victim of ID Theft due to the XXXX breech and others, my credit was SEVERELY COMPROMISED and I have paid a heavy price for it even trying to change my social sercurity number with no luck cause the SS guy didnt want to do his jobn ( I qualify in two kf the three reasons to change ones SS number-my number is one away from my Brothers and that has cause MANY problems as well AS I AM THE VICTIM OF ID THEFT AT ITS FINEST ) and finally ... 
( 3 ) Also there is about THIRTY HARD REQUESTS FOR CREDIT ON MY CREDIT WITH THE THREE MAIN BUREAUS AND I HAVE ALERTED THAT ONLY ABOUT FIVE OR SIX OF THOSE ARE MINE AND THE REST ARE ID THEFT AND SHOULDNT BE HURTING MY CREDIT BUT THEY ARE AND THEY NEVER TAKE THEM OFF!!!!!
Product: Debt collection

On XXXX separate occasions in XX/XX/2021, American Recovery Service made hard inquiries on my XXXX credit file. 

According to federal law ( Fair Credit Reporting Act 15 USC 1681b ), it is unlawful for an entity to view a consumer 's credit report with a permissible purpose. 

On XX/XX/2021, I mailed written correspondence asking for that purpose, but never received a direct response. I did not apply for employment, nor did I apply for credit with American Recovery Service. 

These unauthorized hard credit inquiries constitute XXXX FCRA violations of willful noncompliance, and XXXX FCRA violations of negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian is reporting a debt that is older than 7 years and inaccurate. 

Veros Credit XXXX over 7 years XXXX XXXX XXXXXXXX XX/XX/2018 missed payment is inaccurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
XXXX XXXX XXXX using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. XXXX XXXXXXXX. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Product: Mortgage

I received an Escrow Review Statement from Wells Fargo Bank on XX/XX/XXXX that indicated my escrow account has a shortage of {$8600.00}. Perusing the Statement, I discovered that only {$170.00} had been taken out of my mortgage payment of {$980.00} per month, an amount clearly insufficient to pay the escrow items of {$6000.00} in property taxes and {$1000.00} in insurance ( for a total of {$7100.00} ). Because my home is located at XXXX XXXX XXXX, which is within the city limits of XXXX, TX ( in XXXX County ) but is physically located in XXXX County, it is assessed for property taxes by entities from both counties. Looking at the Escrow Account history from XX/XX/XXXX to XX/XX/XXXX, I noticed that only {$1200.00} had been projected for the XXXX County portion of the property taxes ( instead of the actual {$4800.00} ), and that {$0.00} had been projected for the XXXX County portion ( instead of the actual {$1200.00} ), a gross underestimate. As a retired XXXX and XXXX veteran on a fixed income, I could have paid the {$1400.00} monthly mortgage which would have prevented this shortage. I have contacted Wells Fargo to address this situation, and they have offered to allow me to repay the shortage over 24 months, at {$1600.00} per month. However, I feel that since the Loan Officer was made aware of the {$990.00} per month rent I was paying before purchasing my current home ( the purchase closed on XX/XX/XXXX ), he made certain that the mortgage payment was similar, in order to increase the attractiveness of the loan. The home is not a new construction ( it was built in XXXX ), and the property tax rate actually decreased from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX, so uncertainty about the property tax rates during the closing process is unlikely. On XX/XX/XXXX, I notified Wells Fargo that I had successfully challenged the valuation of the property, lowering that amount by approximately {$40000.00} and had added both a homestead exemption and a XXXX veteran 's exemption, with the result that my XX/XX/XXXX property taxes will be reduced from the {$6000.00} paid in XX/XX/XXXX to {$4600.00} due in XX/XX/XXXX, so the escrow portion of the mortgage could be reduced to {$470.00} per month ( disregarding the shortage amount ). Since the shortage is due to a " miscalculation '' by the Loan Officer, which " happened '' to give a mortgage payment {$0.00} less than my monthly rent at the time, do I have any recourse available to address this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts: XXXX XXXX XXXXThe accounts were never past due, i never made a late payment to this company ever please change this , i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and XXXX are reporting g incorrect information on my credit report regarding XXXX XXXX/Raymour and Flanagan this debt is being report as a charge off and late when it was discharged in my Bankruptcy Chapter XXXX
Product: Checking or savings account

On XX/XX/XXXX, I called my streaming provider XXXX about my reception was told there was a long wait someone would call me back, someone called me back from customer service.He looked up my account and said you have open accounts in your name from other states can I have your ok to shut them down. I said sure don't want that to be happening so he takes some time and he said there all shut down but someone is taking {$440.00} out of your banking account at the XXXX gas station on XXXX XXXX can you go there, I said yes it's very close so I go and he said put your debit card in to stop transaction, saw a sign on ATM saying XXXX, I told him I'm not putting my pin number in and he said just put these numbers in that he said over the phone and he said ok payment was stopped. I ended the call and called my bank to report what was said to me, the person I spoke with said I had to wait til it cleared before I could do anything so that Wednesday it cleared and I filed a claim they refunded the {$440.00} and said they will look into it so a few days later I get a letter from them saying there was no error and took the money out leaving me - $ XXXX go to the bank and they shut down my account and gave me new account, so I call the the bank fraud service and they said know one put in my account of what happened so now I go back to the bank and said what do I have to do to get this resolved, get a lawyer, and she said I can't talk to you anymore and someone will reach out to you..I said my SS check is here and I need to get to my new account but she wouldn't help me.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for and was approved for the American Express Aspire card. The card offered XXXX bonus points after spending {$4000.00} in the first three months. I met the spend on or before XX/XX/XXXX. On XX/XX/XXXX, my first statement cut and my statement shows that I earned the points, but American Express refuses to give me the points earned claiming my account is under " review '', but no where can I find out what " review '', they are undertaking. As far as I know, I have not violated ANY program terms or provisions, yet I have NOT received the bonus advertised. 

On XX/XX/XXXX, my second statement closed and despite earning the bonus on a previous statement, American Express continues to hold my points hostage. 

I called AMEX today, XX/XX/XXXX and after holding for almost an hour, I was advised that my points are pending but since I opened three cards from Amex ( none affiliated with XXXX ) in XXXX and XXXX and closed them, they are holding my points hostage. They also informed me that they MAY or MAY NOT give me the points offered when I initially opened the account. 

This is ARBITRARY and CAPRICIOUS and goes against contract law. I wasn't informed PRIOR to opening the Aspire card that I wasn't eligible for the bonus. I wouldn't have applied if that was disclosed BEFORE I spent over {$4000.00} on an AMEX card. 

I want the contract terms I entered into when I opened the card enforced. 
Thank you.
Product: Debt collection

On XX/XX/2023 I, XXXX XXXX decided to check my credit reports and I notice that my total debt balance was XXXX and I immediately check why and found out that there is a collection debt of about XXXX from company " IQ data International ''. Original creditor is " XXXX at XXXX XXXXXXXX XXXX  ''. In which I have no knowledge of these companies and debt collection mention. I had to immediately locked my credits accounts. I want to say that I was a victim of Identity theft a few years back and I was able to proof it to the debt collectors and they helped me remove the delinquent balances that didn't belong to me. Today I called IQ data International explaining my situation and they told me that they are going to send me some paper work to fill out and return it back to them with the documents or evidence that I provided last time with the others debt collections that I had before. This includes my driver license, police report, and documents from the lawfirm that initially made me aware that my Identity was stolen.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently discovered that my identity has been compromised, resulting in fraudulent accounts being opened without my knowledge or consent. I have taken the necessary steps to report this identity theft to the relevant authorities, including the Federal Trade Commission ( FTC ) and my local police department. Attached, you will find copies of my FTC identity theft reports and my police report for your records. 

I have also mailed a copy of these documents to Experian and XXXX. I request that you investigate the following accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud.
Product: Credit reporting or other personal consumer reports

XXXX responded that my accounts were current and open, yet they continue to report to the Credit Bureaus that my account are closed and past due. At the same time I was given a credit limit increase. I disputed this and other incorrect information on TransUnion, who apparently choose to ignore my disputes, and dispie have contacting them multiple times continue to do nothing.
Product: Credit card or prepaid card

I have been trying to get support from Citi bank for 7 months now on a charge for services not rendered I scheduled a move and paid {$750.00} deposit to insure a quote for the move in XX/XX/2015  # days before the move I got a call saying the price changed to quote of {$1900.00} to {$3600.00}.. The owner said he would move my things for the original price but would not move all of my things. He reduced the items about 1/2. 

Of coarse I canceled the move as I needed all of my things moved. 

I can not get a refund from the company and my credit card company take the charge on and off periodically for the past 7 months without paying attention to my situation, I have spoke to customer service serval times over the last 7 months and have got nowhere.
Product: Credit reporting or other personal consumer reports

I did not give XXXX, XXXX, or Equifax permission to release any information about any alleged bankruptcy furthermore you are selling this information for profit and the rights of my intellectual property is held in trust you are now trespassing upon private estate property that is copyrighted protected and this is public knowledge.
Product: Debt collection

I want the following creditors or debt collectors removed from all of my credit reports ( XXXX, XXXX, XXXX ). The Portfolio Recovery account I believe are accounts that i opened at the XXXX XXXX XXXX XXXX over 7 years ago ( possible in XXXX  or so ). The amounts that i see on my credit report is {$3200.00}. I want these negative items taken off of my credit reports ASAP because the debt is over XXXX XXXX XXXX. However, Portffolio Recovery are known for trying to purchase old debt and collect it from debtors regardless of how old the debt is.old.Thanks, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was directly affected by XXXX XXXX and I have filed for a XXXX loan. I was told by the XXXX they can not pull my Experian file. After 4 days and 6 hours speaking to Experian I was told that they see my report just fine. I told them XXXX cant and neither can anyone else. They agreed to mail it to me. BUT they said that I have had nothing reported to them in over 2 years. I have a mortgage, many credit cards and I just received a loan and another credit card, Experian obviously does not see this as an issue and they will not do anything about it. This has caused me to have my XXXX process stopped and now I have a roof that will not be repaired. Evidently the XXXX only will use Experian. I am also not able to access my credit file at all online even though I joined as a member to get the information. There is an issue here and all they will do is pass me to every department to verify the same information over and over and be told the same thing. It is not possible that none of my creditors are not reporting to them. I called 5 of my credit cards and all say that they report to all 3 agencies