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

Opened an account with Square to process payments. They closed my account and I have numerous times attempted to resolve a payout of my account. 

They will not even answer me any more and it's been way more than 90 days since I was shut down, the next step was supposed to be a payout
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

THIS IS NOT A DUPLICATE COMPLAINT. IT IS A FOLLOW UP WITH ADDITIONAL QUESTIONS. 

IN MY PRIOR COMPLAINT XXXX, TD BANK SAID THERE WAS A SERIOUS DELINQUENCY WHICH LED THEM TO REDUCE THE CREDIT LIMIT FOR MY ACCOUNT ENDING IN XXXX. THERE IS CURRENTLY NO DELINQUENCY WITH ACCOUNT XXXX. I DEMAND TD SPECIFICALLY STATE WHICH DELINQUENCY IS BEING REFERRED TO. THERE IS NOT EVEN A BILLING ERROR DISPUTE FOR ACCOUNT XXXX AT THE MOMENT. 

MY CURRENT CREDIT PROFILE LISTS VARIOUS DISPUTES WHICH ARE STILL IN PROGRESS, THERE IS ALSO A SECURITY FREEZE AND AN IDENTITY THEFT ALERT IN PLACE WHILE THESE ISSUES ARE BEING RESOLVED. 

TD CLAIMS THEY ARE REQUIRED BY LAW TO REPORT TO THE CREDIT REPORTING AGENCY HOWEVER THAT IS FALSE.

ACCORDING TO THE LAW : 15 USC 1681a ( 2 ) ( B ) : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; An exclusion means it should NOT be listed. A credit card is defined under the Truth in Lending Act or 15 USC 1602. In Definitions and rules of construction, the law clearly states : ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

ALSO ACCORDING 15 USC 1681b ( 2 ) - permissible purposes of consumer reports : ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I repeat and reiterate that I NEVER gave TD or any other agency written permission to furnish information about this account on my consumer credit report. 

In USC 1681a - Definitions ; rules of construction, specifically 15 USC 1681a ( 2 ) ( A ) ( i ), we see : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Clearly, exclusion means something that is not supposed to be included. 

So, the law states that transactions or experiences between the consumer and the person making the report in this case TD are not supposed to be included in a consumer report, so TD is not obligated to report anything about account XXXX. 

TD 's violations are excessive and lead way to civil liability against under 15 U.S. Code 1681n which is civil liability for willful noncompliance and 15 USC 1681o which allows for civil liability for negligent noncompliance.
Product: Debt collection

The company calls repeatedly day after day and threatens legal action if caller does n't call back by certain time. I share the same last name as the person they 're trying to contact but the first name is different. They use threatening tones and stress the importance of calling them back or they say will be progressing it further.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent account on my report. please remove the account from my report, it is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

According to 15 USC 6802-6805, 15 USC 1681, and the Privacy Act of 1974 : The disclosed actions by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Bank of America North Carolina appear to contravene several fundamental consumer financial privacy laws. These laws mandate strict controls over the handling and disclosure of consumer financial information Specifically, 15 USC 6802-6805 establishes the framework for safeguarding the privacy of consumer financial information. Financial institutions, such as banks, are required to provide customers with clear notice of their privacy parties and practices, as well as afford customers the opportunity to opt out of certain information-sharing arrangements. Additionally, these laws require stringent security measures to safeguard against unauthorized access or disclosure of customer information. 

Similarly, 15 USC 1681, under the Fair Credit Reporting Act ( FCRA ), governs the permissible uses and disclosures of consumer credit information. The FCRA imposes stringent requirements on consumer reporting agencies and entities that furnish information to these agencies, ensuring the accuracy, fairness, and privacy of consumer credit information. Disclosing consumer credit information to third parties without explicit consumer consent or a permissible purpose violate the FCRAs provisions. 

Furthermore, the Privacy Act of 1974 establishes controls over the collection, maintenance, use and dissemination of personal information by federal agencies. Although primarily applicable to federal agencies, financial institutions may be subject to its provisions if they maintain records containing personally identifiable information obtained from federal agencies.

The terms and conditions outlined in the privacy notices of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Bank of America North Carolina emphasize consumer rights to privacy and prohibit the unauthorized disclosure of personal information. By disclosing personal financial information to third parties without proper consent from the consumer, these banks may be in violation of their own terms and conditions as stated in their privacy notices. 

Despite attempts to rectify this issue through direct communication with the customer service departments of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bank of America North Carolina, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX their responses have been unsatisfactory, lacking adequate explanation or remedy for the breach of privacy. 

Enclosed with this complaint are copies of relevant documentation and any other pertinent evidence to substantiate my claim.
Product: Debt collection

I don't recall having a contractual relationship with this collection company Oliphant Financial , LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD CALLED PREVIOUSLY TRANSUNION FOR SOME FRAUDALENT INQUIRIES THEY HAVE TOLD ME TO CONTACT THE ENTITIES WHO PULLED MY TRANSUNION CREDIT REPORT I HAD CONTACTED THEM NOTHING IN MY NAME OR CREDITORS DONT MATCH OR PULL ANYTHING UNDER MY PERSONAL INFORMATION I CONTACTED BACK TRANS UNION THEY ADVSD ME TO CONTACT CFPB TO DISPUTE THE INQUIRIES THEY HAD REFUSE TO DISPUTE THEM AFTER MANY ATTEMPTS I HAVE NOT APPLIED FOR ANY OF THESE CREDITORS AND NEED THEM TO BE REMOVED FROM MY CREDIT REPORT TRANS. UNION HAS BEEN VIOLATING ALOT OF FCRA LAWS HERE ARE THE LIST OF THE CREDIT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. As a result, the following fraudulent account and unauthorized inquiries have appeared on my credit report without my consent. I am requesting that they be immediately blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Account XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX BANK XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed an item on my credit report with XXXX XXXX for XXXX XXXX XXXX, as well as with the credit reporting bureau 's. The apartment complex is reporting that I owed for a rental in my name. I never lived at or had even physically visited this complex. After further research from the apartment manager they concluded that the SSN used to open the lease agreement was not mine but the name used was mine. They gave me a signed letter stating these facts but the debt is still reporting on my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

While in the process of leaving a relationship that involved domestic and financial abuse I transitioned my payroll into an account that was not accessible to my partner. 

I knew this would result in overdrafts, but had to do so to utilize my available funds to support my children while protecting them from autopsys associated with bills that are not my own but I was removed from accessing to remove my banking information. 

Eventually auto payments of my own that is forgotten started to come in, and I realized the account was now essentially frozen. When I logged in to see what the total damage to the account was recently, I noticed the bank had without my request, consent or proper communication issued a credit for the total overdue balance when the early child tax credit was deposited. I was initially excited about this as I believed I would be able to right the account much sooner than I had originally anticipated. 

Until I started getting overdraft notices again. 

I have contacted the bank multiple times to inquire as to why charges to the frozen debit card are still being allowed to process through and to request they recind the credit if the sole purpose is to collect additional fees for insufficient funds even though Ive requested multiple times the account be frozen/closed. 

The total balance they are now claiming owed to them in overdrafts and fees is well over XXXX and not a reasonable thing for me to correct. I feel this is fraudulent and intentional on the behalf of chase to hide manipulation of the current economy to appear as if they are helping their customers, when in reality, they are using it to build their own profits by opening the accounting automation system to accept new charges they are aware will be declined, resulting in additional fees. 

Im reporting this because this is predatory under every definition of the term. Ive had this account for several years with no issues related to insufficient funds, and feel they are trying to take advantage of my circumstances and income to justify fraudulent fee accrual.
Product: Credit reporting or other personal consumer reports

I have been trying to get XXXX, Experian and XXXX to remove a FRAUDULENT account and the address associated with said account for over a year. My address is not and has never been XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and I would like that address removed from my credit report immediately and permanently. 

There is a XXXX XXXX XXXX XXXX account that is in a charge off status on my credit report that i have been challenging for years that is FRAUD. I would like that account deleted immediately. There was another XXXX XXXX XXXX XXXX account that was fraudulent, that was removed as a result of my dispute yet this one remains. How can one account that was open at the exact same time be fraudulent and removed but not the other? There are also several inconsistencies in the reporting of this fraudulent account across the three bureaus which further supports that this account is unverified and should be removed.
Product: Credit card or prepaid card

On Saturday XXXX XXXX, my wife and I attempted to redeem points to book a flight. The website was broken such that after we selected the flight and filled out all of our information ( passport numbers, etc. ), you could not proceed to confirm it. We tried this over multiple days on different computers, web browsers, the app, etc. No luck. 

We called on Saturday and spent approximately one hour trying to book the flight. The rep ran into the same issue, put me on hold, and then when he returned his phone wasn't working. He claimed he couldn't hear me. I called back and clearly the issue was not my phone. This new rep falsely told me the booking had gone through and gave me an itinerary number and travel ID. 

When I did not receive a confirmation email I called again on Monday XXXX XXXX. I spent almost XXXX hours on the phone with four different people. It turns out I had been given a confirmation number from a booking in 2018. By now all the flights we had tried to get were either gone or massively more expensive. It took three days and calls with 8 representatives to get a flight booked. On XX/XX/XXXX I received another call in response to my complaint and I was advised I wasn't " eligible '' for any compensatory points/ goodwill points because there hadn't been a booking.

In sum, they prevent you from using the points, then use that as an excuse to not offer anything. It should not take 6+ hours on the phone and conversations with 8 people to redeem points to book a round trip flight.

Moreover, throughout the process I was consistently lied to -- in addition to being told falsely that a booking had been made, every time I asked to escalate I was told ( incorrectly ) that the new person would have additional authority. Every single time they clearly went to the same website and read the same options to me. I was told by several individuals they did not have a supervisor, which is ludicrous on its face. Similarly, the Chase Support XXXX account also repeatedly demonstrated a cynical incompetence -- asking for the same information repeatedly despite it being in writing, telling me the card number I gave them didn't exist, fixating on looking into the 2018 booking when clearly that wasn't the issue etc. etc. 

At a minimum, customers should be warned that the rewards program with Chase is a racket designed to make the points as difficult to redeem as possible, and that the customer service representatives are a nesting doll of interlocking policies designed to waste time and deflect costs and responsibility to the customer.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report today without explanation, and I'm extremely frustrated. I regularly check my report, and this time, there were discrepancies that I hadnt seen before. Refreshing the browser didnt fix anything, so Im asking for an immediate, careful review of the documents I provided to resolve this once and for all.
Product: Vehicle loan or lease

I had a Car loan with Santander bank in XXXX through XXXX. During that time I had very low income and I was unable to pay the monthly bill and was charged outrageous amount of fees and interest that resulted in me paying my loan amount over 3 times the amount the contract was for because they did not provide me resources when I was in need of financial hardship assistance. My son and I had to live with my parents as I could not afford to live on my own and we lived XXXX XXXX XXXX XXXX. I had to seek help from friends to afford to feed my son because if I did not pay my loan I could not go to work to pay my car. I worked only to pay my loan and I had nothing else. There was a lawsuit I was never made aware of that Santander consumer settled on and I had never received a letter to join as this was unethical and other consumers were taken advantage of. I was not qualified for that loan but they approved me knowing I could not pay it and would suffer tremendously in life like I did with my XXXX  child. I asked for the fees and extra interest applied to be reimbursed to me, as I continued to pay the car and outrageous fees so my credit wouldnt be damaged which they did anyways and I couldnt purchase a car for a long time
Product: Mortgage

I have an FHA loan with M & T Bank that my husband and I used to purchase our home in XXXX. We paid as agreed for 5 years until my husband suddenly passed away in XXXX. He was the sole breadwinner in our home, and I am in dire straits as M & T Bank is moving to foreclose on me. My daughter lives in the home with me along with XXXX granddaughters and she does contribute towards the bills, but not enough that I am able to keep up with the mortgage payment. I have applied for XXXX and survivor benefits and have a hearing coming up soon, but will not receive any benefits until AFTER the hearing. I have tried to explain this to M & T but they have been very heartless. Their agents have called me wondering where the payment is, and threatening me with foreclosure and eviction. I then applied for help through the government FHA programs but M & T has not willing to work with me or consider me for any options. 

I have been told that M & T should be offering some type of " grievance forbearance '' due to the death in the family, where no payments are due for a few months in order to get my family affairs in order. However, M & T has not offered this option. I also know there are other types of programs including modification, partial claim and special forbearance, or even " suspended payments '' that could assist me during this difficult time. Once again, M & T Bank has not been willing to give me any help or any consideration for assistance. I assure you, once I have the XXXX hearing and benefits are awarded I will be able to resume making payments. I ca n't believe that M & T is moving so aggressively to foreclose on me instead of giving me a grace period or some consideration for my situation. I ca n't believe that this is allowed. I am sure this situation has happened before, I know they need to get paid on their loan but would expect some consideration and a fair negotiation.
Product: Credit reporting or other personal consumer reports

I requested again the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These account have no LAST DATE OF ACTIVITY and other errors. These are not my accounts. Please remove ASAP.

U S DEPT OF EDXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want an account removed from my credit report. I have a letter from the collector stating they were requesting the account be removed from my report with all the credit bureaus on XX/XX/XXXX and to allow 30 days for the process to be completed. Instead, as of today it shows a {$0.00} balance and still on my report. I will forward you the letter and want it gone as it was supposed to be.