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

My checking account was accessed fraudulently and thousands of dollars of unauthorized withdrawals were taken from my account not once but twice. TD Bank was informed of the first episode of theft and allowed it to happen again, six days later. How does TD Bank allow unauthorized withdrawals from an ATM of over {$2000.00} per day when the limit of an ATM withdrawal is set at {$500.00}. 

TD Bank was neglectful in not locking the account once they were alerted to the initial fraud activity on the account. I suspect an inside job as TD bank seems to have no systems in place to protect the consumer from fraud. 

I have been a TD Bank customer for over 10 years with TD Bank, live at the same address but yet TD Bank systems allowed someone to request a debit card to be sent to a different address and withdraw monies from my account. 
I received no alert as to the request of an ATM card, nor any inquiry as to whether I had changed my address. Also, to allow fraud to occur twice after being informed their whole Fraud department is a sham.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, On XX/XX/19 a hard inquire appeared on my credit without my knowledge ( I use XXXX XXXX and received an alert ). The company name is " Credit Plus ''. I do not know of this company nor have i ever been in contact with anyone from that firm/company to authorize them to pull my credit. Unfortunately my score has decreased due to this hard inquire and i would like to dispute and delete it from my report. Thank you
Product: Credit card or prepaid card

I made a purchase in XXXX of 2019 of {$20000.00}. This came out of my Home Equity Line of credit from my account at XXXX XXXX. It was marked as paid with my American Express Credit card. Then in XXXX of 2019 my Home Equity line of Credit was charged another {$20000.00}. I question XXXX  and XXXX   asked the money be returned to my account. The money was returned. My American Express Card was charged {$20000.00}. I did not charge another {$20000.00}. American Express says there charged me because the XXXX took the money back. I went to the bank and found that the same check that was charged for the {$20000.00} in XXXX was again charge in XXXX. I have copy 's of the same check American Express use both times and the second the the check was used there are mark indication it is a copy. I have contacted American Express on numerous occasions never getting the same persons and they just reopen another investigation. I have automatic deduction from my American Express card. I get notices that I am overdrawn. This is hurting my Credit Score. American Express has not helped me with this.
Product: Debt collection

****SEE ATTACHMENT*** PLEASE - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX  XXXX  XXXX  for code of ethics violations.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX, I fell victim to a fraudulent XXXX company using XXXX XXXX XXXX to collect wire transfers. I am writing to your bank because the transactions were made from my Bank XXXX XXXX XXXX ) for a total amount of {$30000.00}. I have decided to contact you, who is the recipient of these transactions to carry out due investigation and apply due laws according to such transactions. 
Ill also like to indicate that these transactions were made under the influence of deceit and ignorance. It was never my intention to make transactions with scammers. This transaction made was influenced by the scammers. I am not a party to the contract and have not agreed to the transactions made in question, since no real service or investment was supplied to me by XXXX company via XXXX XXXX XXXX. I had to complain to you too as the recipient bank because I believe and also as stated in chargeback law that the recipient bank should be contacted in cases like this. If your bank could have known that this act could be a fraud, why are you without informing me or my bank it could be a fraud, whether there are any mechanisms to protect or check the recipient, or do transactions leave without any verification? Based on the above information, I still have doubts about the bank 's actions, because they had the authority to open this case and try to at least request funds from the fraudsters account. But it's also important to note that there are additional reasons why the bank should take the case. 
Firstly, because the transactions should be considered fraudulent because the amount was much to be deposited in such a period. Secondly, the transactions that were made are clearly fraudulent and should have been properly screened for fraudulent. I hoped to get help from you like any other customer who has the right to receive their money sent from a bank account to receive goods, services, or to pay for something. The wire transfer ID was XXXX.
Product: Credit reporting

All XXXX credit reporting bureaus ( Equifax , XXXX, XXXX ) ask me security questions which do not pertain to me. When I answer them as 'none of the above ', they say they can not provide my reports online. When sending in their requested verification info, I get a letter saying that they can not provide me with my reports. THIS MAKES ME VERY CONCERNED ABOUT WHAT IS IN MY CREDIT RATING ( errors, fraudulent activity, etc ). By law, they have to provide me with my annual credit report but have refused to do so for numerous years. THIS HAS TO STOP, I NEED MY CREDIT REPORTS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I submitted letters to each credit bureaus, Experian, XXXX, XXXX stating that there were accounts/items on my credit report and that I was a victim of Identity Theft. I explained that there are accounts on my credit report that were not authorized by me. On XX/XX/2022, we sent letter certified to each credit bureaus, Experian, XXXX, XXXX stating the same thing again. In all the case that we sent letters to all three credit bureaus they came back validated. I have sent out copies of the police report that was filed with the state police corporation. I submitted all the documents request from the credit bureaus and still nothing.
Product: Credit reporting or other personal consumer reports

Im certain that I always pay on time, yet I see late payments reported for some months. Under XXXX XXXX, any billing error must be corrected, showing the payment as agreed.
Product: Money transfer, virtual currency, or money service

The company PayPal never completes a simple transfer to account from bank account. They did for 60 days, but for period greater than 1 year the transactions have been blocked for what they say is a security reasons. This is false as the account is secure by access procedures and the simple fact that I control access to both PayPal and bank account. This is a simple ACH transaction that shouldnt have extra steps. I believe PayPal does this to push other revenue generating services trying to force consumers to use them. 

Furthermore when money has left the bank it can take 3 days to get to PayPal account. This is not XXXX, XXXX XXXX XXXXXXXX XXXX compliant. 

Lastly I use account to purchase bitcoin. There are what I believe to be deceptive practices in play. When you buy bitcoin there is the rate for bitcoin. Recently, 1 month, I notice after authorizing the purchase there is an confirmation screen next. The exchange rate at time of confirmation is generally {$200.00} higher than authorization screen even though market rates havent changed that much. This to me is very deceptive and should be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is some information that's on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block the information is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of factory me relevant to the request block the identified transactions.The identified transactions are not information related to any transactions by me as the consumer. 


See Attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 applied for a Chase Saphire Credit Card on line and included the amount I wanted to transfer from another card. I received a call verifying that I had applied and once the caller identified me and ensured I was the applicant, they told me I was qualified for the card. I was never told the credit limit and since I had indicated the amount I wished to transfer, I did not ask. I received a letter a week or so later stating that around XXXX % of the amount requested had been transfered and that the credit limit was about XXXX % of the total of the amount requested. I called to ask them to reverse the transfer and delete my ever having had this card as I know that any application for credit is shown on your credit history. I also asked why I was not told about the amount of the transfer and credit limit. I was asked if I was told this information and I said no and they told me they would have to look into the matter. In the meantime, my credit rating has dropped almost XXXX points from excellent to fair as a result of the new credit card. I have had excellent credit for a decade having restored it myself from a lesser rating. I have never reneged on my debts nor do I intend to now. I simply wanted to reduce the amount I pay in interest each month so I can pay this debt off more quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the student loan XXXX XXXX has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Product: Mortgage

Select Portfolio Servicing XXXX Inc., aka SPS charges a fee to pay your mortgage online of {$15.00}. In addition, when you do pay this fee SPS does not show it on your mortgage statement. They should not be allowed to charge someone to make their mortgage payment and if they so they should be required, in writing on the statement, to acknowledge that such a payment was made that did not go toward your mortgage or escrow.
Product: Mortgage

My husband XXXX XXXX a little over a year ago. He was listed as the borrower on a 2nd mortgage with Bank of America. I was never listed on any loan documents but he did add my name to the deed years later. The house is currently underwater and my real estate agent is trying to help me resolve the issues and short sale the property. Because I was added to the deed, I understand that I might have tax liability for the property if it is foreclosed, so I chose to sale instead. Bank of America is requiring me to send them financial information so they can do a loan modification and make me responsible for a loan that I cant afford. Even if they modified the 2nd loan, I cant afford the 1st. I moved out of the property because I could no longer afford to live there. They are claming that new CFPB regulations require this process but I do n't think I should have to send a debtor ( that I dont have a debt with ) my financial information for them to review and then potentially report negative information on me for not being able to afford it. My husband made a lot more than I did and now that hes XXXX I had to leave my home. Bank of America is taking advantage of my misfortune. FYI- the first loan has agreed to the short sale after completing a streamline process that did not require me to send any of my personal financial information.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Also there was no proof of how the debt was validated and I never received a method of verification letter or a XXXX form ( Debt Of Cancellation ). Please remove these closed/late accounts XXXX XXXX XXXX ( Late {$73.00} ), XXXX XXXXXXXX ( {$360.00} ), XXXX XXXX XXXX XXXX {$3000.00} ), XXXX XXXX XXXX XXXX {$1900.00} ), XXXX XXXX XXXX ( Late ), XXXX XXXX ( {$200.00} XXXX
Product: Checking or savings account

All of my funds were locked for a security validation. I have spent 2 weeks trying to submit my ID to this bank and they told me they closed my account and mailed me the check I just called and I was told my account was never closed. THEY ARE STEALING MY MONEY!
Product: Credit reporting or other personal consumer reports

I have received multiple inquiries from payday loans on my clarity report. Someone seems to be searching to use my identity to acquire credit. Please remove all inquiries issued from XX/XX/2023. Screenshots are attached of the unauthorized inquiries. I also attached the identity theft report previously filed related to my id theft filing
Product: Debt collection

I continue to get a calls from people stating they are calling me from a law firm and are about to file a legal complaint out of XXXX XXXX XXXX. They state a loan was taken out with Capital One but will not provide the alleged date of when the so called loan was taken out. They stated that they can see I have a credit card with Capital One when I in fact do not have a Credit Card with Capital One. They attempt to intimate me by continuing to state they know my address and social security number. They have stated that information and I am unsure on how they got access to my personal information. They are threatening to file a legal complaint against me along with sending me to collections.
Product: Checking or savings account

TRUIST BANK : {$25000.00} was stolen from me and I file a dispute claim and it was denied and the are refusing to to give my money back I was in the hospital when my money was stolen I also file a police report and submitted it and hospital records as well
Product: Credit reporting or other personal consumer reports

I disputed the missed/late payments on my negative accounts because I've never been late or missed a payment. 

I also asked for proof of charge off and to update the balance to {$0.00} or delete the negative payment status on the negative accounts. 

Lastly, I asked for proof from the original creditors of these collection companies that the debt collector owns this debt and has the legal authority to collect it or delete this account. 

All they said was that these accounts were confirmed as accurate. They provided no proof and didn't update balances or anything. Collections companies didn't provide proof either. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Tre

atment of inaccurate or unverified viable information. ( A ) In general if after every investigation under paragraph ( 1 ) Of any information disputed by consumer or item of the information is found to be in accurate or incomplete or can not be verified the consumer reporting agency shall, 1. Probably delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the and 2. Promptly notify the furniture of that information of the information has been modified or deleted from the consumers file.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX To whom it may concern, I just got my credit report and its wrong I was informed I have the right to have a investigation done. Credit reporting Laws ensure that bureaus report only 100 % credit accurate Every step is taken to assure that the information reported is completely accurate and correct. The following information, Therefore, needs to be reinvestigated please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : - Payoff Disclosure - Interest Rate Disclosure - Balance History - Payment History - Credit Insurance Validate Accounts : 1. XXXX XXXX  ACCOUNT : XXXX THIS CONTRACT IS CANCELLED 2. XXXX  ACCOUNT : XXXX THIS CONTRACT IS CANCELLED 3. XXXX XXXX ACCOUNT : : XXXX, XXXX, XXXX THIS CONTRACT IS CANCELLED 4. XXXX XXXX XXXX ACCOUNT : XXXX THIS CONTRACT IS CANCELLED 5. XXXX XXXX ACCOUNT : XXXX THIS CONTRACT IS CANCELED 6. XXXX XXXX XXXX ACCOUNT : XXXX THIS CONTRACT IS CANCELED 7. XXXX XXXX ACCOUNT XXXX THIS CONTRACT DOENSY BELONG TO ME I respectfully ask you to provide some kind of proof of these alleged items specifically the contracts notes or other instrument bearing my signature. 

Additionally please provide name, address, and phone number of each credit grantor other subscriber. 

I also heard under federal law you have 30 days to complete your reinvestigation be advised that the description of the procedure used to determine accuracy and completeness of the information is here by requested as well to be provided within 15 days of the completion of your reinvestigation. 

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

Dispute letters were sent certified mail USPS # XXXX to Equifax in XX/XX/XXXX and I requested to them to provide original contracts that are signed/consented by me for accounts listed below : Account Name : XXXX XXXX XXXX  Account Date : XX/XX/XXXX Account Number : XXXX Account Amount : {$1000.00} The account Listed above IS NOT MINE. You did not provide The original instrument of indebtedness, or proof that the instruments still exists. I have not received any DOCUMENTATION or CORRESPONDENCE with this information that you claimed I consented to above account. Yet this account still remains on my consumer report.
Product: Mortgage

I applied for a loan assumption on XXXX XXXX 2024. I resent the application again on XXXX XXXX 2024 because I was told that they never received it. Then I received a letter in the mail stating that they closed my application because they never received my documents. I have sent them several emails and have received no response. I would like to know the status of my application.