23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In the course of applying for a job, I discovered a collection account on my credit file from XXXX and XXXX on behalf of XXXX XXXX XXXX XXXX for an ER visit to XXXX XXXX XXXX XXXX on XX/XX/17, in the amount of {$1200.00}. This report is fraudulent, as I was not in Nevada at the time and have not used any ER services in over 10 years. I did drive through Nevada  on XX/XX/17 and XX/XX/17 and used my credit card to purchase gas and food. But I have not been back since. 

I disputed the information several times in XXXX with both XXXX and Experian, and after speaking directly to a representative from XXXX and XXXX who confirmed that the report was fraudulent, filed a police report with the XXXX XXXX police. I also sent a letter to XXXX and XXXX formally disputing the debt. They sent back their records, which confirm that the person who went to the ER that day was not me. 

Despite this, both credit bureaus simply rubber stamped the report as correct, every time. So today I spoke to another XXXX and XXXX representative, who again confirmed that it was fraud, and said he would escalate the issue. I then called back XXXX, who gave me the runaround and eventually hung up on me. This is an outrage, and may have cost me a job because the credit unions, as well as XXXX and XXXX, failed to do theirs.
Product: Credit card or prepaid card

To whom this may concern, I am writing this letter as a long time TD Bank Customer. I believe my first account was opened up with the assistance of my parents as a young teenager and I have been banking with them ever since. I have held both a Personal Savings Account as well as a Personal Checking Account and for the last 5 years have held a TD Bank Credit Card as well. 
On XX/XX/2023 I noticed there were unauthorized purchases made using my TD Bank Credit Card. There were multiple unauthorized purchases made using my card. I immediately called TD Bank Card Services to report this. I was told these unauthorized purchases would be taken care of. During that conversation on XX/XX/2023 the current credit card I had was cancelled and I was told I would be issued a new card and that it would arrive in approximately 7-14 days. 
On XX/XX/2023 I noticed that my auto-payment that I had set to pay my monthly balance on the card did not go through so therefore I received late fees and interest charges. On that date I also noticed two other unauthorized purchases. I called TD Card Services again to report these new finding and concerns. And again I was told this would be taken care of. 
After my initial two phone calls I placed one more call on XX/XX/2023 to follow up as I did not see the late fees or interest charges removed from my card. And again I was told that it would be taken care of and that it would be reflected in my account within the next 2 business days. 
Fast forward to XX/XX/2023 I receive a letter in the mail stating my TD Bank Credit Card account has been put into collections. I call the phone number listed on this letter and am explained that I have not been issued a new credit card and will not be issued a new credit card due to being placed in collections. No one could explain why my account was placed in collections and they were requesting a {$6.00} FEE to remove my account from collections. They were unable to explain the fees or outstanding balance. 
It is now XX/XX/2023 and this situation is still not resolved. I have made five total phone calls and two in person visits to a TD Bank Branch. There are still two unauthorized purchases on my account that are listed in my monthly statement. At this point, I believe that TD Bank has not acted in accordance with Regulation EI have continually been told that these items will be taken care of and they have not been. I have not received any formal response from TD Bank regarding these disputed transactions, either approving or denying my claim of Unauthorized charged as described under Regulation E.

I am a patient and understanding person but this is an extremely inconvenient situation that is having a negative impact on my daily life along with my good standing credit. I have decided after nearly XXXX  decades as a TD Bank Customer, I will no longer be banking with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realize that I have been a victim of identity theft, This account should be removed from my file inmediatly because they have course great problem in my ability to get credit and a better job. I have filed an FTC report and a police report with XXXX police, this report number is : XXXX a copy of this report is attached. Please remove all none account holding inquiries, opt me out from prescreening offers and opt me out permanently from your systems. 

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

This letter serves as a formal dispute concerning the inaccurate and inconsistent reporting of the above accounts. These violations of Metro 2 compliance and the Fair Credit Reporting Act ( FCRA ) require immediate correction. Below are the specific errors identified : XXXX - Violations 1. Late Payment Reporting Conflict o The account is marked as Current and Paid, yet it reports " Was 30 Days Late 1 Time, '' which contradicts the paid status. 
2. Missing Data Elements o No remarks or details regarding payment frequency are provided, making the late payment unverifiable. 
3. Credit Limit and Terms Reporting o Term length is reported as 12 Months, but there is no information about the original credit limit, hindering accurate account evaluation. 
XXXX XXXX - Violations 1. Date of Last Activity Discrepancy o XXXX and XXXX : XX/XX/year>, Experian : XX/XX/year>. 
XXXX. Late Payment History Conflict o The account is reported as Current but includes a late payment history : " Was 30 Days Late XXXX Time. '' 3. Balance Reporting o The balance remains at {$190.00}, with no supporting remarks to explain the unpaid status on a Current account. 
4. Credit Limit and Utilization o The credit limit is consistently {$500.00}, but utilization exceeds recommended thresholds, with no remarks or context provided.
Product: Credit reporting or other personal consumer reports

I WAS IN A PAYMENT PROGRAM WHICH WILL MAKE ME CATCH UP WITH MY AUTO LOAN WITHOUT RECEIVING LATE PAYMENT STATUS ON CREDIT REPORT. I PAID EVERYTHING ON TIME, AND I HAVE STUFF REPORTING ON MY CREDIT REPORT THAT IVE BEEN LATE 2 TIMES AND THIS IS EFFECTING MY CREDIT.
Product: Debt collection

I am here to figure what I could do to repay my debt from Wells FragoXXXX XXXX XXXX XXXX XXXX XXXX My checkings account was open many years ago by father who I no longer talk to, I didnt receive any information about my account being close due to my old email being hacked/used by another individual so I switched to my a new one during the time period. I want resolve this issue as soon as possible because it is affecting me negatively. I could not pay the full amount due to being laid off and other court issue I had to pay. But Im willing to setup a payment plan so I could remove any debt to my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

My accounts were hacked and my bank accounts emptied I had to put a freeze on my account to try to recover the money and during that time had no access to funds. I sent a letter to all parties involved letting them know that my bank was frozen between XX/XX/XXXX and XX/XX/XXXX making payments late due to fraudulent activity. They have not yet changed my credit information to reflect the fraud and are still reporting me late causing my credit score to go down. I cant get them to fix the problem its as if theyre not understanding what happened
Product: Debt collection

I have called and mailed letters to get this account verified. I have in XX/XX/2019 I sent them a letter to send me documentation that proofs this account does belong to me and they don't respond. The last letter was on XX/XX/2019 hopefully they respond this will be the 5th letter. I have also called and they give me the round around and they hang up.
Product: Mortgage

Starting back in XX/XX/2018, we applied for a FHA mortgage through Unifirst Mortgage company. However, we were told by XXXX XXXX and XXXX XXXX we needed to clear some conditions, which we did along with getting a credit card and paying them {$190.00} towards application fees which we would get back at closing. Unfortunately, the company partnered with XXXX XXXX XXXX loan # XXXX and the requirements changed per loan officer XXXX XXXX and we was told we did not qualify because of our credit score and one collection account added. They have prolonged the process, acted as if we were on a program and will be graduating on XX/XX/XXXX, which was a lie. They wasted months of our time, which I had explained we were staying in a hotel until process was finalized, but they overlooked and failed to provide details of getting approved. They pushed our graduation back several times and then later tell us we needed a 600 credit score to qualify for FHA loan. This has cost us months of paying unnecessary hotels rates and also if they know the approval requirements, it should have been disclosed earlier. Now they are telling me again, We have to wait until XX/XX/XXXX to be reviewed again, which makes no sense and We completed have already met and completed conditions.
Product: Checking or savings account

I tried to log onto HSBC internet banking. I logged in and a message said that I needed to contact them because there is a block on my account and I cant see my info. So I called and an hour later I still hadnt gotten anywhere. They just give me the runaround. Now, Ive currently got an open dispute that Im waiting to be resolved. I couldnt see my information to see if its been resolved.
Product: Debt collection

The company in question is TRANSWORLD SYSTEMS INC I reached out to both Transworld and XXXX, XXXX, and XXXX about the account but to no avail. 
When I reached out to Transworld to let them know the information was inaccurate because I did not open an account with them, especially for the dates being reported. 
the information was totally false and I've never done any business with TRANSWORLD SYSTEMS INC And thru the credit bureaus investigation, they have not provided any proof of me opening an account but still allow this account to hinder my credit score and livelihood.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX 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 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 Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account XXXX : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  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 XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Chase XXXX Department Submitted via Chase XXXX RE : Next steps on Chase dispute claim ID # XXXX XXXX XXXX XXXX XXXX my husband and I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TV from XXXX XXXX website ( order # XXXX ). 
On XXXX XXXX XXXX XXXX XXXX XXXX  delivered a XXXX TV. Within minutes of the team leaving, we realized that the wrong TV had been delivered. I contacted XXXX XXXX support who informed me that the correct TV would be delivered by XXXX XXXX and the wrong TV would be taken away. ( We do not own a vehicle large enough to bring the wrong TV back to the store and didnt want to do a return as we wanted the XXXX XXXX  pricing we got on the XXXX ). 
XX/XX/XXXX came and went, and no TV was delivered. 
I contacted XXXX XXXX support multiple times, informed them that the XXXX was not delivered and that I needed them to come get the XXXX. The support personnel confirmed multiple times that this would happen. Then they said that they had filled out a form, however, no contact was ever initiated by XXXX XXXX, nor did they make any attempt to remediate their mistake. 
I wrote to them on XX/XX/XXXX, informed them of the situation, and that I would be initiating a chargeback. XXXX XXXX support assured me that it would all be taken care of, and we did not hear back from XXXX XXXX via any form of contact after. 
We do not want the XXXX and have no way of getting it to a XXXX XXXX store. They need to deliver the correct item that we purchased and remove the large, wrong item. As is this purchase is not valid because the item is not as described. Please see below for screenshots from some of the many conversations weve had with XXXX XXXX. 
Best, XXXX XXXX Last XXXX digits of credit card XXXX Chase support denied our chargeback claim despite providing evidence that XXXX XXXX delivered the wrong TV, and that we have tried to remedy this with XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, Ive attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX ). Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thankyou for your understanding and prompt action.
Product: Credit card

I purchased furniture from conns furniture on XX/XX/XXXX. they assisted me in taking a loan out from American first finance. I have never received my furniture. I have been giving the run around between these two companies to retrieve my money. No luck at all. I was told by American first finance that they never received payment. After returning to XXXX I was told to report back to American first finance. Upon returning I was told that my funds were cancelled and refunded on XX/XX/XXXX. They were not. I was told I was contacted for delivery. I was not. I was then told by more than 1 associate that I would be refunded on XX/XX/XXXX. I was not. Each time Ive reached out ( over 20 times ) I was told something completely different. I have requested proof, I have requested manager contact and nothing. Please assist me in retrieving my funds
Product: Payday loan, title loan, personal loan, or advance loan

TRYING TO GET THIS COMPANY TO DELETE MY OLD DEBIT CARDS ON FILE. 
THEY WONT DO IT MY CREDIT Limit was {$490.00} -- -- -- XXXX they increase it to {$620.00} -- -- -- -- -- XXXX THE MONTLY PAYMENT WENT DOWN TO {$100.00} I DONT NEED A CREDIT LIMIT INCREASE I NEED THE MONTHLY PAYMENT TO GO DOWN I PAY TWICE A MONTH {$150.00} OR MORE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the ECRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. 
Please resolve this matter as soon as possible. 
Thank You.
Product: Checking or savings account

I made an {$20.00} ATM deposit on the night of XX/XX/17 at TD Bank XXXX XXXX XXXX, XXXX, NY XXXX. They are reporting the deposit was made on the XXXX and I have yet to have access to my money. I also haven't been able to open an online profile to see my account because they are forcing me to call and have someone do it for me with no explanation why I can't do it myself to protect my personal info.
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. 

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

I am making a request to have All Closed accounts on ALL 3 credit reporting agencies : Transunion, XXXX, and XXXX, DELETED from their databases. 

All three credit reporting agencies have not deleted items off my report since I have requested multiple times for them to do so as they have not provided me the Original Signed Documents for any of the accounts that are listed and would allow them to report any of the accounts on all 3 reporting agencies.

items are past or near statute of limitations and bare no such right to be on my reports at all as accounts are Old, Closed, and have not been deleted and resolved upon my previous requests. 

I have attached the disputes I have sent to them showing details of dates, names of accounts etc.. that need to be deleted immediately.
Product: Debt collection

This Company continues to call and harass me after repeatedly asking them not to call me while I 'm at work. They continue to call and hang up when I ask them to stop calling.
Product: Student loan

I received a letter to reduced my payments and whatnot. They are charging {$800.00} for a fee to file paper work for me, it is now seeming suspicious the longer I think about it. I am very concerned about my private information now. The company made me sign something saying no one had advised me not to make payments on my loan. AFTERWARDS, customer service began advising me not to make payments and disregard anything from my payment provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/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 you 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 block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$8500.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$14000.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

In review of my credit profile I seen that there was some hard inquiries that are not mine.