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

Hello. 

I am seeking to close my TD Bank VISA credit card and unable to do so. The card is in good order, with a XXXX balance. 

To close the account, I am required to contact a phone representative at TD Bank Card Services and make the request. I've been trying to reach a rep twice a day, everyday for over a week, and unfortunately, no go. I'm always put on hold for about an hour each time before I give up and disconnect. 

I reached a service rep at a local TD Bank branch, and she confirmed that branches have no authority to close TD credit cards. If I were to come to the branch, she could call Card Services on my behalf ( and only with my physical presence at her location ), but she has neither special access nor higher priority, even as a TD Bank employee. She discouraged me from coming to her branch. 

Also, another problem has emerged... I am unable to access my online account at tdcardservices.com. When logging on, the website requires me to enter a passcode usually sent by email or text. Unfortunately, the passcode never arrives, and I remain in login purgatory, unable to complete the login process. ( I've tried multiple times already. ) In summary, I'm unable to reach any TD credit card rep, and I'm essentially locked out my account. I'm nervous about being cut off from any access or assistance. I just want to close this card, so that I never to have to deal with TD Bank ever again. 

Thank you.
Product: Credit reporting or other personal consumer reports

A credit builder account was open through the platform " Moneylion " which I, XXXX XXXX did not authorize and upon contacting the company/business and bringing the fraudulent activity to their attention, the matter has yet to be resolved. 

* Disputes has also been open with related entities and credit reporting agencies
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number XXXX XXXX Consumer Date of Birth : XX/XX/, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Wellsfargo has committed fraud already once against me by opening a checking and savings in my name, I tried to give this company a chance opening an account, just last year I opened a credit in my name XXXX dollar credit limit, well Wellsfargo was giving more problems with the checking I had it closed well I also disputed a charge and was sent a final decision on the the amount disputed it was permanent, wells Fargo seem to get mad because I closed the checking, they have committed fraud again, I talk to a loan officer and explained what they did, Wellsfargo charged my credit card for the amount I had disputed on my checking account and that was very illegal, the loan officer had told me they are not allowed to my charge credit for anything that has anything to do with my checking account my credit limit was XXXX im only allowed to spend XXXX they have did the samething to me I closed my credit card account do to the fact of fraud they have committed against me, they need to resolve before I get legal representation to sue wells Fargo I want this off my credit and I want compensation for the fraud they done by charging my credit for knowing that your not supposed to do that I want contact from the mediation dept to resresolve this matter, I do know Now a consumer can sue a bank now they need to resolve this before I file a suite against them
Product: Debt collection

The debt collectors, Clear Recovery Collection is supposed to call me before they withdrawal any funds from my account that was the agreement and they don't have a judgment/lawsuit against me in this debt. They took money out of my account without contacting me to confirm payment. I've been paying them every month for the last year plus. Every single time they've called and confirmed that I am authorized them to charge my account one time. Until this month I received no phone calls and no notice of a pending withdrawal from my bank account without my permission or a judges ruling. There isn't anything far as I know being filed in court for collections of this debt. I don't understand how they can garnish my checking account without a ruling from a judge to which I have not received a court order. So their legal standings to withdraw from my account, without my permission. Is as far as I've gathered reading the laws they're violating my rights for fair treatment for this debt I've been paying. 
Again The name of the company is Clear Recovery Collections.
Product: Debt collection

Maury Cobb Attorney at Law LLC sent correspondence to me on XX/XX/XXXX regarding an alleged debt owed XXXX in the amount of {$700.00}. I disputed the debt in writing on XX/XX/XXXX, Certified Mail No. XXXX, and U.S. First Class Mail. 

In my XX/XX/XXXX letter, I disputed the alleged debt, it isn't my debt, and explained that I disputed the debt numerous times with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX placed the debt with Maury Cobb Attorney at Law LLC . Despite receiving my written dispute, Maury Cobb Attorney at Law LLC did not send me verification of the debt ( no evidence of contract ) and now claims that I owe {$410.00}, but they will settle for {$270.00} ( debt collection letter is dated XX/XX/XXXX by XXXX XXXX, Collection Manager ). 

This law firm and its Collection Manager have violated the FDCPA by failing and refusing to validate the debt within five ( 5 ) days of my dispute ( 15 U.S.C. sec. 1692g ), harassment ( 15 U.S.C. 1692d ), engaged in deceptive and unfair practices ( 15 U.S.C. sec. 1692XXXX and sec. 1692f ), as well as applicable Iowa law.
Product: Credit card

on the same day the company keep changing the about owed on my CC even after I made a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was getting ready to file my taxes and my tax consultant told me that my taxes got rejected because somebody had already filed taxes with the same social security number. 
I had to take measure and call IRS etc. I then decided I needed to get my credit pulled to see what all has been accounted under my name. There was things on there I have never heard of in the years building my credit. Please get the items off my report. 

CITY OF XXXX XXXX {$300.00} XXXX XXXX XXXX  XXXX {$5500.00} XXXX XXXX XXXX XXXX {$460.00} XXXX. XXXX XXXX XXXX XXXX L XXXX {$3500.00}
Product: Student loan

In XX/XX/XXXX I began working as a post-doc at XXXX  XXXX, which qualifies for PSLF. I have been working to get my student loan payments into PSLF and on the correct payment plan since before they even came due from grace ( XX/XX/2018 ). I managed to get PSLF status and transfer to XXXX XXXX. I paid XXXX prior to having a payment due because of the switch from XXXX. XXXX has placed my account in paid ahead status, which I requested repeatedly to have permanently removed, as this prevents payments from being counted towards PSLF ( called XX/XX/2018, agents # XXXX and XXXX ). I was told the status was removed. It was not. I paid {$60.00} in XX/XX/XXXX ( on a {$58.00} payment which showed owing nothing ). My bill is still showing paid ahead status, and in this status I can not make PSLF-qualifying payments ( at least they do not show up on my statement as qualifying, per my XX/XX/XXXX payment ). I called again today ( XX/XX/XXXX ) and was told that the status was removed previously, but the loan still shows as paid ahead for XX/XX/XXXX. I have set up to only pay the required payment for XX/XX/XXXX, but I need to pay more than the set payment as this will not cover interest and my loans will balloon. If I end up moving out of government work/PSLF-qualifying work, this will cause me to owe an insane amount of money. This should be simple, XXXX should be able to apply any extra payment to interest/principle as requested repeatedly ( I have also e-mailed via secure system twice ) and my payments should be PSLF-qualifying. They seem to be unwilling to actually do so.
Product: Credit card

On XXXX/XXXX/XXXX I called Macy 's credit department to report my credit card was stolen along with my wallet. So they cancelled that credit card and told me they would be sending me a new XXXX in the mail. After waiting for a week to 2 weeks ( XXXX ) I finally received my card and registered it online with Macy 's and set up my alerts as I do with all my credit cards. The same day I activated and set up my alerts I get an alert about a transaction that was made at the XXXX California store. I called Macy 's and advised them that I did n't make any purchases and received the card the same day. The customer service rep told me that someone had gone into the store and done an inquiry and gained my new account number that way. So she cancelled that card and told me that she had reported it to their fraud department. She also said she would be sending some paperwork so I can dispute the charges and to send the info as it is instructed on the paperwork. XXXX XXXX I receive the my first letter so I went ahead and sent them all of the documents it asked for and filled out their paperwork and sent it on the same day. Week goes by, I do n't get any kind of response so I called and and they said to give it couple of days for it to arrive. On XXXX XXXX XXXX as I arrive from my cruise I see a second letter dated XXXX XXXX asking for the same documents and paper to be filled out as the first XXXX. I immediately called Macy 's and asked them what was going on with my account and they stated that they sent a second XXXX for charges that were made on XXXX/XXXX/XXXX. I explained how can this happen if I had called and reported the fraudulent charges made on XXXX/XXXX/XXXX and at that time they cancelled the account and gave me a passcode to better secure my account. She said she did n't know how but that she had made notes to my account. On XXXX/XXXX/XXXX I called their fraud department to get an update on my case, I learned that my account was sent to collections and will be reported to the XXXX credit bureaus as a negative account but that after it gets investigated and if found that I did n't make those charges, they would call the collection company and have it reversed. They advised this could take up to 60 to 90 days after they receive the documents they requested in the mail. All this could have been avoided if Macy 's would ask for proper identification.
Product: Checking or savings account

This is in regards to original complaint i filed ID # XXXX on XX/XX/2021. 

The company stated they would be crediting the {$96.00} back to me in their response to my original complaint. However, that was on XX/XX/2021. I have not received this credit and my complaint was closed. I would like to keep my complaint open until the credit has been satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth third bank has violated the Fair Credit Reporting Act ( FCRA ). They are still reporting a closed/charged off account from 2012. The first date of delinquency was on XX/XX/12. I was harassed and shamed by their recovery department. XXXX, a employee of the recovery department at fifth third bank also lied about the FCRA and stated that they will not remove this account from my credit reports because the date is actually from the last payment made which is 100 % false. He wouldnt let me speak. He was incredibly rude. I have record of my payment history with fifth third bank which I obtained from a local branch in XXXX, Ohio which clearly shows that my first date of delinquency/late payment occurred on XX/XX/12. After years of mistreatment and harassment from fifth third bank, I only ask that they respect the FCRA and my rights as a U.S citizen. I am not asking for any favors but just that they do the right thing.
Product: Vehicle loan or lease

Received offer letter from I Lening /XXXX. Offering lower interest rate and lower payments. I spoke with 2 persons on XX/XX/XXXX. XXXX from XXXX and after explaining my goals I was transferred to XXXX XXXX at XXXX / XXXX. I spent quite a bit of time explaining to XXXX exactly what I was looking for. Shorten term of my existing loan that is scheduled to payoff XX/XX/XXXX. He said he understood and would get to work. He also asked to pull my Credit, and I approved. 

XX/XX/XXXX I received a call from XXXX XXXX informing me I was approved for a loan. While it had a higher interest rate my payments would be less. This is not what the letter from them stated as it clearly stated lower interest rate. Also, the loan XXXX was selling was for a longer term than my existing loan. Definitely " Bait and Switch '' in my view, as well as " Predatory Lending ''. 

I explained to XXXX this offer was not at all what we discussed, and I felt they were misrepresenting their loans and informed him this type of lending is what got us in trouble with home loans back in XXXX. I told him not to contact me any further and that I would work with a Credit Union to achieve my goals. 

A few days later I got this letter denying me credit ... .. really. Since purchasing the vehicle 2 years ago, my credit has climbed and climbed. I have even purchased a home during the last 2 years with no issues getting a loan. Their letter said I was preapproved and now the truth is understood. If they could extent terms and increase interest, they would approve a loan. I do not believe this company should be allowed to market or sell loans in the State of Idaho.
Product: Mortgage

The closing for my home at was supposed to occur XXXX. The paperwork was submitted to the lender XXXX XXXX or so, but we learned yesterday that the lender -- iMortgage of XXXX, FL -- did not send the buyer 's package to underwriting. This has indefinitely delayed the sale of our home. We have had to cancel utilities, movers, caregivers, and has cost us XXXX of dollars in fees as a result. When we asked XXXX XXXX -- the man responsible for this mistake -- to rectify it by rushing the package, he said, " These things take time. We are just understaffed. I do n't see what the problem is. '' We noted that he had time -- months. He then said that the loan officer responsible for the file quit in XXXX, and no one bothered to check her email to help the clients with whom she was working. He then refused to take any phone calls or emails from us or any of the realtors involved, updating us on the process so that we could reschedule movers, etc. When he finally called us back after repeated attempts to contact him, he said he would not be able to close us on XXXX. To clarify, what has happened is not just that his company failed to process the paperwork for the sale of the home ; rather, iMortgage failed to determine if our buyer is good for the loan! This means, not that the closing may be late, but that it may not happen at all -- which will result in the loss of the home we are buying as well -- a XXXX dollar transaction gone awry. The lender has also asked us to extend our closing date past our lock rate date. Our mortgage lender has told us this will cost us {$1200.00} ( to lock the rate we secured sixty days ago ).
Product: Credit card or prepaid card

1. I advised USBANK my card was expired and I needed a replacement by phone. Can not remember date, but on or about XX/XX/XXXX. 
2. Went online made second request on or about XX/XX/XXXX. 
3. Wrote letter to company to complain and advise I would be contracting this agency. Letter mailed about XX/XX/XXXX. Sent to Customer service at USBANK Reliacard XXXX XXXX XXXX XXXX, Mn XXXX. 

No one has contacted me to resolve!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an consume informing on is found to inacurate or in complete or anot te eried, e file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; andil ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately :
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account 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 account : Account Name : XXXX  Account Number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card or prepaid card

THIS IS NOT THE SAME REQUEST AS XXXX. This is NOT A DUPLICATE REQUEST. PLEASE READ IN ITS ENTIRETY to understand my complaint!!! 

I made a one time payment using the Yard Card credit card for {$400.00}. 

I immediately made a payment of {$400.00} and when I noticed that I owed an additional {$4.00} I sent a secondary payment of {$4.00}.

The YARD CARD refused to accept and post my payment of {$4.00} and for the past 12 months have continued to add interest charges and late fee charges instead of processing my payment for XXXX. 

I have contacted Yard Card many times and requested them to process my payment of {$4.00} and investigate where my check for {$4.00} is located because it was never returned back to me so that means the company has the check AND THE CHECK WAS NEVER PROCESSED THROUGH MY BANK SO DO NOT SEND ME ANOTHER REPLY via CFPB AND ASK ME FOR A COPY OF A PROCESSED CHECK BECAUSE I TOLD YOU THE CHECK HAS NOT BEEN PROCESSED!!!!! 

The check was never processed through my bank!!! 

However, I mailed the payment to the same address that I mailed the {$400.00} payment to and it was received and processed through my bank. 


On several occasions over the past year I have reached out to your company and made them aware of this and as opposed to them corresponding to me, I only would receive a bill in the mail and not have them address my specific concerns the last person that I spoke to was agent ID XXXX and his name is XXXX. LOOK UP ALL OF HIS CALLS RESEARCH XXXX XXXX ID AND THE DATE I GAVE YOU TO LISTEN TO THAT CALL ON XX/XX/2023. He advised that he would email me on XX/XX/2023 and process the payment of {$4.00} and remove all interest charges. XXXX XXXX never emailed me and my attempts to resolve this matter and pay the {$4.00} a second time has falling on deaf ears yard card is acting on unfair business practices as opposed to them addressing my concern and processing my {$4.00} payment. They are continuing to delay by not responding directly to me by email regarding my request so that interest charges can continue to accrue each month I have made 18 attempts to resolve this issue in a years time and instead of them responding back to me they are continuing to mail me a new statement with increasing interest charges monthly. I advise the yard card on XX/XX/2023 that if they did not respond back to me by email as they had promised and process the payment for {$4.00}. I will be contacting the CFPB. I spoke with XXXX on a recorded line and advised him that I would request the CFPB and his superiors to pull that phone call and listen in totality to our communications, he has yet to follow up with me by email as promised or by mail as of this date XX/XX/2023. 

Please send this complaint to your executive team. Someone is replying to my CFPB complaints but not reading my complete report to understand what I am conveying and is giving me a form letter type response. I never said the second check was cashed so there is no way I could ever send you a copy of a processed check.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to in adequate customer service and unfair practices, which violate the consumer financial protection act CFPA. Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic fund transfer act EFTAM regulation E these actions have caused significant inconvenience in financial loss and I seek appropriate redress of these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an Americollect account that is reporting medical debt in XX/XX/2018 with XXXX and XXXX. XXXX  and XXXX responded that the debt is verified as mine. The debt collector has not sent me notice that it was going to report to credit reporting agencies. The amount in question is {$1000.00} from a hospital. At the time that they are reporting debt I had insurance coverage through Medicaid for % 100 of hospital services. I had given the hospital my insurance information any time I had visited either the hospital or the physician that belongs to the same medial group. The only time I have had issue with billing is with the hospital. The hospital has not sent me an itemized bill or the reason insurance may not have paid for services on this account.