23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I opened a Beyond Checking TD account and savings account online on XX/XX/2021. As soon as I opened it it gave me the option to fund my bank accounts via direct deposit from my current bank. I direct deposited {$2000.00} into my TD checking account and {$20000.00} into my TD savings account from my current bank, XXXX. It left my XXXX account on XX/XX/2021. I received the funds in my TD account on XX/XX/2021 and was able to see it in my TD mobile banking app. On the same day XXXX received it, that night I received an email that my TD account is locked and to visit a branch. I visited a TD branch on XX/XX/2021 and they unlocked my account. My {$2000.00} deposit was in my TD checking account, but my {$20000.00} was gone from my TD savings account. They told me that I would see it back in my account later that day. It never came back. The next day on XX/XX/2021, I returned to the TD branch and they told me that TD reversed the {$20000.00} deposit and it should be back in my XXXX in 3 business days. I waited 5 business days and I still never received the {$20000.00} back in my XXXX account. I went back to TD bank on XX/XX/2021. TD said they didnt have the funds because it was sent back. They had me call XXXX and XXXX said they hadnt received any funds from TD. Then TD said they would have to call XXXX, which they explained to me as the middle man between the two banks. I came back later that day to the same TD branch and was told that someone at XXXX was assigned to find my {$20000.00} and a claim had been made. I was told I would hear back from them the following Monday. I never heard from anyone. I went back to the TD branch on XX/XX/2021 and they had me file a claim with XXXX bank. It is now XX/XX/2021 and I havent heard from either bank about where my {$20000.00} is.
Product: Credit reporting, credit repair services, or other personal consumer reports

PROFESSIONAL debt {$1900.00} Balance updatedXX/XX/XXXX Account Info Tap labels for more details Account numberXXXX Collection openedXX/XX/XXXX Account typeCollection Department / Agency / Attorney
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I tried to apply for a home and was told that I couldn't proceed with the home until a debt, in the amount of {$4400.00}, from National Credit System was paid in full. I was shocked that I even had a debt that totaled that amount when I haven't stayed in an apartment since the early XXXX 's. I reached out to the company to get all the necessary documents needed to dispute the validity of the debt. The manager who I spoke with was very rude and demanded that I pay the debt in full or setup a payment plan, despite me telling him that the debt was not mine and I was a victim of identity theft. Fast forward to XX/XX/XXXX, I reached out to the company again, after numerous attempts of sending them debt validation letters only to get told the same thing pay in full or setup a payment plan. They weren't even concerned that they were reporting inaccurate information on my report and that the debt was not mine. I filled out numerous identity theft forms and sent them in to the credit bureau only to find out that the forms were no good since the address that I had on file XXXX used it to verify my debt. I found that kind of ironic when I had just moved into my current residence XX/XX/XXXXXXXX  and haven't even changed it with the post office. On XX/XX/XXXXXXXX  after several attempts via phone calls and letters I spoke with someone and she stated to try this. I am seeking your help to get this account with them investigated and taken off of my credit. This company have unethical practices and need to be shut down!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues getting a fraudulent account removed from my credit reports. My identity was stolen and as a result there is a XXXX XXXX account, a XXXX XXXX inquiry, and an address on my reports that do not belong to me. I never opened this account or used it. I disputed this with the 3 credit bureaus on XX/XX/XXXX but to no luck. XXXX  told me they couldn't locate my file and to send a copy of my ID and Social Security card. I already sent them both items as well as my identity theft affidavit, police report, AND documents from the IRS stating that my identity had been compromised. XXXX  is just making excuses to avoid doing their job. I never even received a response from XXXX  or TransUnion so they are clearly avoiding their duties as well.
Product: Credit reporting or other personal consumer reports

In XXXX a call was made to XXXX requiring about the payment due. The call was recorded and the representative stated the amount due to be paid. Payment was made. The payment wasnt the correct amount told by representative resulting in a 30 day late payment on the credit file. In XXXX payment was made like several other times through the automatic system. The system processed the wrong bank account. Instead of the XXXX bank accounts payment processed through just the XXXX account with the same bank. This resulted in a late payment in XXXX. The company has been notified by this several times. Several disputes has been made to the credit bureau to fix the error. The wrong account being processed as resulted in several NSF fees being charged from the finance company and XXXX XXXX. No funds had been refunded from the finance company side. This issue has caused my XXXX XXXX to drop XXXX points on XX/XX/XXXX. 

I was also told its a 10 day grace period on late payments for NC and payment must be made before XXXX XXXX  to process the same day. My payment was made and if it was processed correctly in with the correct XXXX bank accounts the payment wouldnt have returned. Therefore causing an 30 day late payment. Also causing other problems with my bank account multiple times.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting

on XXXX XXXX, 2016 i send a certified mail to validate the account XXXX XXXX merchant which they received on XXXX XXXX, XXXX and under the credit act law they have 30 days to provide me with a original contract with signature and report dispute comments with credit bureaus within 30 DAYS which is XXXX XXXX 2016 which i printed a copy of. they send me a signature but did n't report dispute comment to bureau in time so they broke they law. so i send them a second letter letting them know that they did. they send me a letter on XXXX XXXX, 2016 saying they updated the dispute comment and which showed on my report lasted update XXXX XXXX 2016 but was way passed the 30 day time frame. then i get a alert from equifax for that company stating that there last updated was XXXX XXXX, 2016 which is a lie equifax broke the law under FCRA Section 605 ( c ) tryin " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. and doing so it should be removed. off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

This is about Equifax credit reporting agenciy and their poor behavior when processing credit record disputes. 

On XX/XX/XXXX somebody used my stollen identity to submit loan application to XXXX XXXX XXXX XXXX. I was able to detect a hard inquiry through XXXX XXXX notification and called XXXX immediately. They confirmed that something was wrong and rejected application. Then knowing that my identity got stollen I had to start locking out my account in all XXXX credit reporting agencies ( Equifax, XXXX and XXXX ) and submitted a dispute for hard inquiry myself using their respective web-sites. On of the agencies ad it removed immediately right after my online request. Equifax was the most problematic and simply rejected my online application. XXXX XXXX XXXX loans also assured me that they will send the requests in-mail to all XXXX credit bureaus. Which they did and few months later ( by XX/XX/XXXX ) the list of Hard Inquires was empty in all XXXX reports from all XXXX agencies. 
But in XX/XX/XXXX for whatever reason the Hard Inquiry record reappeared on Equifax. I called XXXX XXXX XXXX again and they agreed to re-submit cleanup request to them again and also recommended. I also submitted online dispute on Equifax web-site ( which they simply ignored as usual ). XXXX also recommended for me to call Equifax directly, which I did. Calling Equifax is a XXXX, I was not able to get chance to talk to human operator to confirm some error on their side. I was directed through the infinite loop robot responder ( IVR system ) wasted half an hour of my life which resulted into nothing ( IVR hang up on me ). This is pathetic and should not be legal. I deserve to speak to some real person, epically when the issues is on their side. Why some bank should be making decisions about my credit based on the records of such a pathetic company ( data leak on XXXX, incapable to handle requests to set the record straight, just collecting garbage data and selling it to everyone )
Product: Money transfer, virtual currency, or money service

I am a XXXX  and my parents help me out with my monthly rent. They have previously sent me money via the XXXX app however when we found out that zelle sends directly to my account we wanted to try zelle. Around the time of XX/XX/year>, my stepmom tried to send me {$500.00} via zelle app and it would not let her send the full amount. We contacted the bank and they said it was a zelle issue. I contacted zelle to ask why she was not able to send the full amount because I could not receive it. I never got a response so we had to switch back to XXXX. Super Inconvenient.
Product: Debt collection

I unfortunately had two accounts acquired by Midland Credit Management following my XXXX XXXX. Despite bringing to their attention the inaccuracies in the information they report, they persist in providing false details. Multiple disputes have been initiated, yet the credit bureaus insist on validating the erroneous information. I can substantiate that account XXXX XXXX has been fully settled through garnishment ( although I was never served with court documents for any court action ), and I have been consistently making payments via their website, none of which are accurately reflected. Additionally, monthly payments made on account XXXX XXXX through their website do not accurately reflect the correct balance. Their fraudulent reporting persists, and the credit bureaus fail to diligently rectify the situation, allowing this deceptive activity to persist. Additionally, they persist in asserting that the account is open and active, even though it is not.
Product: Checking or savings account

USAA has taken  XXXX  of my retirement checks for {$2800.00} plus {$300.00}. I have attached police reports with the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Credit card or prepaid card

XX/XX/2019 Ordered online 4 items for Pickup at store picked up XX/XX/2019 XX/XX/2019 Ordered Online XXXX XXXX XXXX XXXX for Pickup at store XX/XX/2019 XXXX delivered package, no one at home, left package at door returned from work at XXXX no package at door XX/XX/2019 called store, " when can I come for pickup '' Store, " package delivered on XX/XX/2019 '' Package 'missing/stolen '
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, i am just learning how to review my credit report AND upon checking it i see XXXX unauthorized accounts that I need deleted immediately. i lost my wallet a while back and now i check my credit report and i see this. 

the accounts are as stated below. 

XXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not honoring their duty of accurate and correct reporting on my credit report. Equifax is inaccurately reporting a late payment on my credit report for the XXXX XXXX XXXX  account ending in XXXX. This includes a 30 day late payment reporting on XXXX XXXX XXXXXXXXThis is not correct and should report PAID AS AGREED. According to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report doesn't contain information solely as to transactions between between the consumer and the individual making the report. A transaction constitutes these late payments resulting in Equifax completely violating my consumer rights. I did not give Equifax my expressed written consent, instruction, or permission to furnish these fraudulent late payment reports on my file which violates 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that equifax has violated my consumer rights which are federally protected under the FCRA. This inaccurate reporting is harming me and my reputation resulting in discrimination.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Subject : Dispute of Fraudulent Account Due to Data Breach Dear Equifax, I am formally disputing the presence of an unauthorized account on my credit report, which appears to be the result of a data breach. The details of the fraudulent accounts are as follows : ALL ACCOUNTS LISTED IN MY PROFILE AS CLOSED ACCOUNTS Creditor Name : 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 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  Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ), I am entitled to accurate credit reporting and protection from fraudulent accounts. Specifically : 1. FCRA 15 U.S.C. 1681o Holds credit bureaus liable for negligent noncompliance when failing to properly investigate and correct errors.

2. FCRA 15 U.S.C. 1681n Imposes liability for willful noncompliance, including statutory damages, punitive damages, and attorneys fees.

3. CFPA 12 U.S.C. 5536 Prohibits unfair, deceptive, or abusive acts, including the failure to properly address and correct consumer disputes.

Requested Actions : 1. Conduct an Immediate Investigation Investigate this fraudulent account and remove it from my credit report.

2. Provide Written Confirmation I request a written response confirming the results of your investigation.

3. Ensure Full Compliance Failure to correct this error may result in legal action under the laws cited above.

Please complete your investigation within the required 30-day period and provide me with an updated credit report reflecting the necessary corrections.

If you require additional information, you may contact me at the phone number or email listed above. I appreciate your prompt attention to this serious matter.

I request that the CFPB take action to ensure Equifax complies with federal laws and provides consumers with the necessary proof of investigation. 


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

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

15 USC 1681I ( B ) I AM REQUESTING THE DESCRIPTION OF PROCEDURE OF THE REINVESTIGATION. USED TO DETERMINED THE ACCURACY & COMPLETENESS OF INFORMATION. 
WHAT STEP BY STEP ACTIONS HAVE YOU TAKEN? 
Who did you call? 
What exactly did they say? 
Neighbor visits? 
Interviewed? 
SBNASELFLNDR XXXX
Product: Payday loan, title loan, or personal loan

The problem I have with the company is that I do not have a breakdown of what I have already paid to the company. I borrowed {$2600.00} to fix my car and now the terms state I owe {$12000.00} to be paid in 90 payments until XX/XX/2023. The interest is 134.073 % is 10 times than what I needed. That is absurd. The state of California doesn't allow this to happen.
Product: Credit reporting or other personal consumer reports

I have been XXXX for a while and looking at my credit now I see that there are old accounts that I don't not know are that I ever had an account with them to begin with there are a lot I try calling to get them removed the fact that some are out dated. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these accounts need to be removed they are not mines and or out dated
Product: Debt collection

DEAR I.C SYSTEMS INC, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Account # XXXX Amount Owed : {$420.00} Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>
Product: Mortgage

They charged us home insurance while we pay and have own home insurance had fire we should get ins back we paid for it
Product: Money transfer, virtual currency, or money service

A paypal account was opened back in XXXX - I have tried to have this account closed since XX/XX/XXXX, but they refuse to close and delete my information. First they wanted me to updated my new contact phone number and address ; thus said it takes XXXX hours for the database to reflect the current information. Its been a week and they still refuse to close an account that was never used, but they keep sending unwanted solicitation emails weekly to my XXXX email.
Product: Checking or savings account

I opened an account with BMO Harris bank under a promotion to receive a {$200.00} bonus after a maximum of 120 days. Per BMO I was to use promo code " XXXX '' which would be automatically applied and " have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. '' Here is my timeline of events : XXXX/XXXX/XXXX - account opened with promo code XXXX/XXXX/XXXX - deposit of {$500.00} from XXXX XXXX pension/retirement plan XXXX/XXXX/XXXX - deposit of {$500.00} from XXXX XXXX pension/retirement plan XXXX/XXXX/XXXX - closed account I closed my account after 150 days and no promotion bonus was received. I contacted customer service via echat but they advised they were unable to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested Equifax to NOT USE XXXX and they continue to use it and CONVERT MY DISPUTES TO NUMERICAL DIGITS WHICH allows accounts that should have been REMOVED to be CONTINUED TO BE VERIFIED. THE creditors are in receipt of FRAUD INVESTIGATIONS and are aware of the FRAUD. However Equifax is VERIFYING ACCOUNTS involved in FRAUD ACTIVITIES. XXXX eliminates 100% complete and accurate investigations. PERIOD.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I've sent a disputes regarding to those unknown and inaccurate account I found on my credit report but over 30 Days today I haven't received a response. I was a victim of Equifax Data Breach. I demand to Delete those account ASAP.