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

On Saturday, XX/XX/2016, I deposited a cashier 's check issued by XXXX XXXX, in the amount of XXXX XXXX in my TD Bank branch in XXXX XXXX, NJ. Days later, XX/XX/2016, TD Bank sent me a FOREIGN COLLECTION ADVISE stating, among other things, that " your account will be credited the then current exchange rate less our fee of {$17.00} and any fees assessed by the Foreign Bank. '' The XXXX XXXX was finally credited on XX/XX/XXXX at an exchange rate of XXXX, for a total of {$39000.00}. This was even confirmed in writing in a CREDIT ADVICE dated XX/XX/2016. 

Clearly, the rate of exchange applied by TD Bank was lower than what the XXXX-Dollar rate has been for the entire month of XXXX, ranging from a low of XXXX on XX/XX/2016, to XXXX on XX/XX/2016. On XX/XX/XXXX, the rate of exchange XXXX-Dollar was XXXX, as reported by financial websites. 
As I see it, TD Bank willfully miscalculated its conversion in order to benefit from it. To hear its XXXX Branch Manager, XXXX XXXX, argue the case that TD buys " in bulk '' holds no water. It 's pure nonsense and TD must own up to this attempt at defrauding me. 

At the XXXX XXXX-Dollar rate of exchange in effect on XX/XX/2016, the amount of XXXX XXXX should have been converted @ XXXX XXXX less {$17.00} TD fee and {$84.00} Foreign bank fee, as stated in the Credit Advice. After deducting those XXXX fees, {$17.00} and {$84.00}, the amount to my TD checking account should have been {$41000.00}, NOT the {$39000.00} credited. 
TD Bank under credited my account by {$1600.00} I would appreciated your assistance in having the unpaid balance of {$1600.00} remitted to me. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXXXXXX TD Acct. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I've reached out to you about this situation back in XXXX US bank replied and told me my account was going to be closed as of XX/XX/2021 bit the account is not closed my funds is just sitting there I'm being charged fees and when I call the representatives can't tell me anything I was able to get hold of what was suppose to be a senior banker who was rude XXXX and XXXX at this point I don't know what to do and feel it's unfair to me to keep getting charged fees when my account should've been closed my account has been under investigation since XXXX it's XXXX and still nothing this is crazy please help
Product: Credit card

For the billing period from XX/XX/XXXX to XX/XX/XXXX, the payment amount of {$5400.00} was due on XX/XX/XXXX, which happened to fall on a Sunday. I promptly made the payment to clear the statement balance. However, due to the Sunday timing, the payment didn't post to my account until Monday, XX/XX/XXXX. 

To my surprise, on XX/XX/XXXX, I noticed a charge for interest amounting to {$120.00}, and then another interest charge of {$91.00} on XX/XX/XXXX. 

In my attempt to resolve this issue, I reached out to the customer service team numerous times. Unfortunately, the customer service was provided by off-shore representatives. Despite speaking to XXXX different supervisors, I received varying explanations, neither of which I could fully comprehend.
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify TransUnion and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Money transfer, virtual currency, or money service

I sent money using Zelle in XXXX  and was sent to the wrong number. I called my bank and Zelle and they never refunded my amount.
Product: Credit card or prepaid card

There is a game by XXXX called XXXX XXXX XXXXXXXX XXXX Within the app there were {$5100.00} worth of purchases made and none of them were made by me nor were they approved by me. When I filed a dispute with Chase on XXXX, Chase reversed the charges. On XXXX chase put the charges back on my account because the merchant had my email address so they deemed the charges as legitimate. I asked if it were possible my email was hacked and was told it was not likely. Chase then sent me from the fraud dept to dispute dept. The dispute dept told me since the charges were more than 60 days old. They could not do anything about it. I asked why fraud didn't send it to them to begin with instead of wasting my time. They did not have an answer for me nor were they interested in trying to help me from there. I was told even though I did not partake in the {$5100.00} in charges, I was responsible for them.
Product: Credit reporting or other personal consumer reports

For many years now I have been asking credit bureaus and collection agencies to provide proof that these fraud accounts belong to me and asking both credit bureaus and collection to remove these fraud accounts from my credit reports and nothing has been done. I submitted a police report several times in the best still nothing has been done to assist me. I have gotten letters from credit bureaus indicating my personal information from XXXX, XXXX, XXXX XXXX XXXX, XXXX and other companies stating my information, data, and identity was exposed in data breaches and is on the dark web. This is not fair not right that I keep asking both credit bureaus and collection to delete, remove these fraud account to clear fraud accounts and nothing is being done. This has been ongoing since XXXX, and I have put Fraud alerts on my files and still my identity is being used and continuously exposed.
Product: Money transfer, virtual currency, or money service

Hello, I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with using the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately which resulted in the closing of one account. They informed me that recovering the lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am still showing an account on my credit report from XXXX XXXX XXXX that is now owned by XXXX XXXX XXXX. This account is more than 10 years old. Furthermore, this account was found to be invalid. The original creditor was Comenity Bank.
Product: Credit reporting

I have disputed it XXXX times and also called the collection card company and they refuse to take it off my report. They said that someone called in saying they were me and they had an attorney. I did n't sign for anything, this is n't my debt, something was bought online.
Product: Credit reporting or other personal consumer reports

Please see my attached XXXX for the Record dated XX/XX/year>.
Product: Student loan

As per my knowledge I am overpaying my loan al I took the loan was to dorm at the university for 2 years I see loans that I never applied for and I am over paying for it I took two loans and I am paying for 7 different loan
Product: Vehicle loan or lease

I leased a new BMW from BMW of XXXX. My lease was assigned to BMW Financial Services. My lease allows me to pay off my car early. I exercised this right. BMW Financial Services is now refusing the payoff of my lease because it has placed a litigation hold on my account. This violates the terms of my lease. I attempted to contact BMW Financial Services to discuss this problem. They would not speak to me and referred me to BMW of XXXX XXXX. I filed a previous complaint about this issue. BMW Financial Services responded to that complaint by saying they could not talk to me about the car. I have never contacted BMW Financial Services about my car or its mechanics or warranty. I had attempted to contact BMW Financial Services about the payoff on my lease, to which BMW of XXXX XXXX is not a party. So, maybe, instead of BMW Financial Services lying and misrepresenting this problem to cover up the unlawful violation of my rights under my lease, they could FIX this problem and let me pay of the lease. Then I will go away. 

Until then, I will file this complaint every single day until they fix it or the government takes some action. Thanks
Product: Credit reporting

Disputes have been removed from XXXX XXXX but not from Exquifax. How or when will they match or catch up? Do I need to repeat the process with each creditor?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX in which you have so where did XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX come from mor information place on my credit file that 's wrong. 

I 'm filing a FTC issue on XXXX on the same thing over and over incorrect information
Product: Debt collection

I received notice from a credit monitoring subscription in XX/XX/XXXX that Southwest Credit Systems,, XXXX XXXX XXXX, XXXX TX XXXX Phone : ( XXXX ) XXXX is now reporting on my credit report as a collection. I 've never received a single letter from them and no notification at all. I called XXXX XXXX directly and they are telling me that it 's a XXXX XXXX bill for {$52.00} from XXXX. I explained that it could n't be because I still have XXXX as a provider and not only would XXXX not allow me to continue service with an outstanding balance but I also never received any notice not only from XXXX but from Southwest at all. Southwest rep told me that in the state of New Jersey they do not have to send any notification which I know is untrue. I did call XXXX and the rep researched the account. XXXX confirmed that I do not owe any money and they have no such collection account with Southwest that is linked with me owing any money. I disputed this with XXXX and it came back verified that Southwest is stating they verified the debt. This again is untrue.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

Saks Credit Card Service will not issue a refund check even though I have a credit balance on my account. 

On XXXX XXXX, 2015, I called Credit Customer Service to request a refund check. On XXXX XXXX, 2015, I emailed Credit Customer Service to request a refund check. On XXXX XXXX, 2015, I sent a letter to Credit Customer Service via US postal service. 

I have made multiple calls to Credit Customer Service to inquire on the status of my check. Last week, I spoke to a Credit Customer Service Supervisor named XXXX who took my information and promised to call me back within 24 hours. He did not ever call me back. 

On XXXX XXXX, 2015 I emailed XXXX Customer Service about my refund check. I was told I would be getting a personal response within 24 hours and still have not heard back. 

I have not received my refund check which I requested 17 days ago. By law, I should have received it within seven business days of my initial request. 

XXXX. If you have a credit balance on your account, you can keep it or write your issuer for a refund if the amount is more than one dollar. Your card issuer must send you a refund within seven business days of getting your request. If you do n't ask for a refund and you do n't make any other purchases for more than six months, the issuer must make a good faith effort to send you a refund.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my credit report, in violation of 15 USC 1681c-2, hurting my score. Kindly delete these.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There is incorrect personal information on my credit reports.
Product: Student loan

I have one open student loan with Navient. I send a payment every week to Navient with the loan number listed in the memo of the check. They apply the payment to 6 other loans that have been closed and sent to collections to be handled by a different company despite the fact that the loan number is listed on the check. I have not made a payment on the closed loans since XXXX but in my credit report it shows that I am paying monthly on them. I am not paying Navient at all for these loans. I have talked to them four times to have them correct this and apply the payments correctly and they will not. I have previously filed with the CFPB and they corrected it momentarily and then went back and did the exact same thing. I want all payments ever sent to Navient to be only applied to the open loan, and it corrected on my credit report for both the open and the closed loans. The last payment made to any closed loans was in XXXX and was sent to XXXX   XXXX, not Navient,
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Checking or savings account

We were notified by Bank of America that they were closing our checking account. It happened after the suspected fraud in one of my savings accounts. They said they have the right under the agreement to discontinue business when they want. They then seized {$3200.00} of ours without telling us why. They said they were investing where the funds came from. They come from my paycheck. They said there were still investigating every time I have called. That was over 4 weeks ago. I want my money back and they say just keep calling back. I am getting no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THE ACCOUNT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT, NOW I AM REQUESTING EXPERIAN TO REMOVE THE FRAUDULENT XXXX ACCOUNT FROM MY CREDIT REPORT. I HAVE CONTACTED THE FEDERAL TRADE COMMISSION AGENCY AND THEY SAID BY CIVIL CODE FCRA 605 ( 10 U.S.C. & 1681c-2 ) THEY NEED TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE CONTACTED THE CREDITOR WHICH IS XXXX AND I HAVE SUBMITTED MY IDENTITY THEFT REPORT O THEM AS WELL.
Product: Debt collection

The bill for {$2600.00} being placed in collection by Phoenix Financial Services is not mine and have advised them of the fact. I have been a victim of identity theft and have requested that they provide proof that this bill is verified as my billing against me. The company has ignored my request and continues to place a negative notation against my credit report. The matter has remained open since XX/XX/2023. 

There is no proof of such a billing for services being provided and am requesting that this be immediately removed from my credit report. 

PHOENIX FINANCIAL SERV Address XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Phone number ( XXXX ) XXXX
Product: Credit card

A credit card was opened under my name for WellsFargo in XX/XX/year>. I received the credit card and got a phone call from Wells Fargo to inform them of the identity theft. The card was cancelled. I am wanting more protection to prevent identity theft issues. Thank you.
Product: Checking or savings account

On XX/XX/2022, I was alarmed to discover that unauthorized payments from my PayPal account had been made since XX/XX/2022 totaling debits of {$1100.00} from my bank account. 

The unauthorized payments had the vendor title of XXXX XXXX and the individual amounts were deceptively small to avoid detection as fraudulent. I had a total of 46 of these transactions over the eight months, averaging to about {$25.00}, which on the surface may look reasonable for the nature of the transaction ; however, NONE of these transactions were in fact authorized by me, nor were used by any member of my family. 

Upon discovering this, I contacted PayPal and opened two cases ( as their online customer complaint tool is very confusing and limited ) : Case ID XXXX and Case ID XXXX. PayPal summarily closed both cases with a statement that I should take this up with the vendor, even after I made it clear that I NEVER authorized these payments. 

I need the CFPBs assistance to compel Paypal to honor their obligation under Regulation E to reimburse me for these obviously fraudulent charges. Thank you