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

Attempted to open checking account with TD Bank on XX/XX/20. On XX/XX/20 I was told that they could not verify my identity, and that they were closing my account. I requested my {$25.00} opening deposit be returned to my XXXX checking account. 

On XX/XX/20 I received a statement from TD showing that they are charging me a XXXX XXXX  monthly maintenance fee for the account that they said was closed in XXXX. 

I tried to contact TD about this without success.
Product: Debt collection

XXXX has been contacting my family about a debt and threating legal action against my family about a payday loan through checkngo. Everything I have done says this is not a legitment company and they continue to call and threaten. They sent me a validation letter via my email but it does n't look valid. I am not sure what to do as they keep contacting my family members.
Product: Bank account or service

I opened an ING Direct savings account a few years ago online. ING has since been acquired by CapitalOne. My account was automatically converted to a CapitalOne XXXX savings account. I had not logged into my account or made any deposits/withdrawals for some period of time XXXX potentially XXXX years XXXX. During the period of XX/XX/2016 I called CapitalOne to help obtain my log on information. I spoke with a representative who helped me log in and stated that my account was ready to be used. I planned to deposit money into the account every XXXX weeks to save money for a wedding. I made my first deposit of {$750.00} on XXXX. On XX/XX/2016, my account was closed. I called CapitalOne to speak with a representative and ask why my account had been closed. I was informed that my account had been " abandoned '' and my money sent to the XXXX of NJ as unclaimed money. I was instructed to contact the XXXX of NJ to file a claim for unclaimed money. 

I have XXXX issues here : XXXX ) why was I not informed on XX/XX/XXXX that my account had been changed to abandoned, so this would have prevented me from transferring additional funds into the account. XXXX XXXX why would CapitalOne accept a transfer of {$750.00} to an account marked as abandoned. I trusted CapitalOne with my money and to protect my funds. I feel that they have inappropriately robbed or stolen money from me that will be very difficult to re-obtain in any timely fashion, as the XXXX of NJ has no record of receiving my funds yet. CapitalOne has not been helpful in trying to rectify this issue. I believe this to be a violation and misappropriation of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for several months to access transunion website and even called in XXXX and spoke to support because the online system advised me to call due to an issue or error. I was told the system was fixed but again I am unable to view my credit report or see my score.
Product: Prepaid card

Paypal is not allowing me to add money to my PayPal account, from a PayPal XXXX card I purchased. I have added funds from similar cards in the past. But this time, over several days of trying, I constantly get the following error code : - Sorry, the redemption of your XXXX XXXX card could not be completed at this time. Please try again, and if the problem is n't resolved, then call XXXX XXXX card customer service at XXXX. 
- My XXXX XXXX XXXX = XXXX XXXX I have called PayPal three times to fix this issue. Each time they are unable to.
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 on 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 any item 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 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My identity was stolen and someone opened a bank account under my name i never knew of the account till it showed up on my credit report i filed a police report and tried filling a dispute there XXXX  and the credit agency but they keep saying it was me even after i sent over my police report they asked for and its been 3 years now still this can get a account due to XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian removed negative information from my credit in XXXX, XXXX XXXX XXXX was removed and put back on my credit in on XX/XX/XXXX causing my FICO score to drop a XXXX points,
Product: Credit reporting or other personal consumer reports

XXXX removed ( suppressed ) XXXX XXXX from my credit report. I paid off my mortgage loan in XX/XX/XXXX and I want it shown on my credit report. I have called and spoke with them numerous times. I was informed that they could not add it back to the report and that XXXX XXXX would need to. 

I spoke to XXXX on XX/XX/XXXX to explore why XXXX XXXX  was removed and they stated that XXXX XXXX instructed them to remove it. I was informed to contact XXXX XXXX about this and that they would have to submit information to them to have it added back on my report as a paid mortgage. I spoke to XXXX XXXX this date and after being on the phone for over an hour going back and forth with a customer service rep who told me that my credit report was accurate, the customer service rep hung up on me. I called back and spoke to XXXX who expressed understanding that I wanted XXXX XXXX to be added back to my account and that a ticket was placed to have it addressed. 

On XX/XX/XXXX I again called XXXX for follow up to see if anything changed. I was informed data mortgage did not send any updated information about having data mortgage added back to my credit report. I called data mortgage this date and was informed that a ticket would be placed on my account to have the correct document sent to transunion and that it was marked as priorty. 

On XX/XX/XXXX I again called XXXX to inquire to see if it was received. I was informed that it was not received. I called XXXX XXXX  again this date and was told that a ticket would be placed for the internal team to update my credit report manually. There are still no changes. The customer service rep from XXXX XXXXXXXX told me that the first thing that should have been done was having XXXX XXXX just update my credit report and she did not understand why that did not happen. Again, I was informed it would be marked as " urgent ''. There continues to be no changes/updates.
Product: Credit card or prepaid card

XX/XX/2023 My friend used the referral link of mine to apply for an American Express card. By using that referral link, I, the referrer, should be able to get a promotional bonus for the referral, which was XXXX Membership Rewards Points. 

XX/XX/2023 XXXX American Express online representative on americanexpress.com to inquire for the timeline of receiving that referral bonus. The representative confirmed the referral made on XX/XX/XXXX was valid and the referral bonus should be posted to my account in 8-12 weeks. The full transcript of this chat is saved and available on both my end and in American Express 's online system. 

XXXX XXXXXXXX XXXX Contacted American Express online representative again for update. Interestingly, the representative said there had been no valid referral at all this year. The representative helped open a case for investigation. 

XX/XX/2023 Contacted online representative again, was asked for the name and address of the referee ( my friend ) to help with the investigation process. Provided my friend 's name. 

XX/XX/2023 Reached out again to update them with my friend 's address after confirmed with him. Was told the case was closed and the conclusion was that there was no referral at all. Asked to reopen the case with all required information provided. 

XX/XX/2023 Reached out and was told the case was closed again with the same conclusion. No other ways to escalate or do further investigation.
Product: Debt collection

I have tried to dispute the debt on several occasion, and also attempted to get the information from the apartment complex which they do not have. I only owed one months Rent which was {$670.00} and they are trying to collect {$1400.00}.
Product: Debt collection

I received a debt collection letter from Receivable Solutions for an amount and date of service that I know nothing of. I request debt validation several months ago. I have contacted by phone to explain the situation. They agreed to contact the bureaus to have it removed but it still is reporting. Not only is this a violation of the FDCPA it's also a violation of HIPAA. This company can not and has not produced any proof that I'm legally responsible for this specific debt. I question the signature on the HIPAA treatment consent form as a fraudulent signature but this company continues to report and collect on this debt that is not mine. I even submitted my police report to this company to verify my information was compromised. They still continue to violate the law and is causing me damages and ruining my good credit and name. this company should be investigated for their negligence in the handing of this dispute
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX, XXXX XXXX, TEK COLLECT ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX On XX/XX/2023, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
Product: Student loan

I have an institutional loan for which servicing recently was moved from XXXX to XXXX XXXX. XXXX XXXXI has presented erroneous information on the amount due. Under the heading Amount Due, it lists an INCORRECT dollar amount. An asterisk appears, with the footnote reading " Due to possible accrued interest, the Amount Due shown is estimated for Quarterly, Semi-Annual, and Annual repayment schedules. To view your actual amount due, go to Billing & Payments to view your billing statements. Actual payment amounts due will also be displayed when making an online payment. '' However, there are no data on the Billing & Payments link. What's more, there are no billing statements to view. Nowhere on my online account does it indicate what the correct amount due is. So, how am I supposed to pay my loan without defaulting?
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received money through PayPal from XXXX XXXX for XXXX but I wasn't able to get the because PayPal put a restriction on my account and I was told that I have to wait for 180 days to get any balance in my account, they said they have to reserved the money incase that someone file a dispute in my account they can use it to cover. But then I found out since we only have 3days more before I reached the 180days of waiting to get my money, I found out that PayPal took my money already. I called them to fix the issue and to get info why they took my money. Then I was told that they penalized my account to cover losses and violating they rules. So I asked what losses do they have while I don't have any disputes on my account and what violation I made to penalized me? And they answered they doesn't have specific information, and that is very unfair because I am the owner of the account and we are talking about my money that they took. Please help to get my money from PayPal. Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXXXXXX Balance Owed : {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bank of America credit card ( closed ) showing up on my credit report which is not my account. This account belongs to someone else and it shows be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account to XXXX, the account continues to remain although my information was shared without my permission. My privacy was violated by National Credit Adjusters, this must be removed immediately.
Product: Checking or savings account

I noticed 2-3 months that someone hacked into my XXXX  account XXXX My XXXX account is linked to my XXXX XXXX and my other XXXX cards are linked to my XXXX app wallet. I advised XXXX AND CHASE that SEVERAL transactions were not mine. They proceeded to tell me that all of them were on my XXXX XXXX ( they weren't and I offered to provide proof but they refused to see it ) and at my local store, so they determined i did the transactions. 

Also in XXXXXXXX XXXX I did attempt two transactions and I was told the transactions were declined. I need one item from order and I paid cash. I was told my receipt would be on my app. The next day I saw the two " attempted transactions '' were pending on my debit card. The store had no proof that I had paid cash. My kids saw all of this occur. I will put them on a stand in a court of law if I need to. 

At this point in time I feel like XXXX  and CHASE is refusing to take proof AND is causing severe emotional trauma.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent account and inquiries in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these account and inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these account and inquiries are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

On XX/X/2017 I traded my car in that had an existing loan with Wells Fargo Dealer Services. I was never late with that loan, paid extra every single month and directed all over payments to be put into principal ... ..that was never done. I have a fico score of XXXX when I applied again thru Wells Fargo Dealer services for a new loan on a XXXX XXXX XXXX. Wells Fargo, knowing my excellent history with them denied my loan on application no XXXX ... .the dealer submitted my application and was just as astonished as I was to be denied. Further, I have a fraud alert on my account, Wells Fargo never phoned me to inquire about the alert. The denial is based on pure prejudices. I have no late payments at all for over 6 years. They said they denied ( without observing the fraud alert ) on : 1. Age of past or present credit experience ( did not bother them previously ). 2. Excessive number of trades recently opened ( what does excessive mean? more than one? ). 3. Lack of trades reported recently (??? ). 4. Insufficient revolving credit limits. All of this is so wrong, but mostly, my history with Wells Fargo shows my loan and payments were not handled properly by Wells Fargo. They were not applying over payments to principal, they just would keep reducing the amounts of my future payments. Mostly, denying my loan when XXXX approved me, XXXX XXXX ( which I have the loan with ) approved me, and 2 others approved me. Wells Fargo has a terrible reputation, but something is seriously wrong with their judgement.
Product: Credit card or prepaid card

I opened the Chase XXXX XXXX  Rapid Rewards account through a link on the XXXX website on XX/XX/2018 and bought my ticket immediately after opening it. I was lured by the offer of a {$200.00} statement credit right away and then {$50000.00} XXXX  Rewards points if I spent at least {$2000.00} in the first 3 months. I did receive the statement credit on my first bill and I spent {$2200.00} in the first 3 months, at which point I figured I'd get a " congratulations, you earned your bonus '' note or something. Since I didn't, on XX/XX/XXXX I contacted Chase via the Secure Messaging function in my online account to ask when I would get the XXXX  Rewards Points. They told me I'd been offered XXXX  Rewards Points after charging {$500.00} to my card, and that those points had been deposited in my XXXX  account ( which they were ). When I said their records were wrong - I'd signed up for a different offer - they said no, they weren't wrong unless I could prove what I was offered. Of course I can't prove anything - I didn't have the foresight to take screen shots as I was applying ( though that only shows an offer was available, not that I actually applied through that offer ) and Chase pointedly doesn't document anything " because their offers change all the time. '' I can search " Chase XXXX XXXX  Rewards Points '' and find several websites from between XX/XX/XXXX and XX/XX/XXXX that refer to the bonus offer - so I know it WAS an offer that was available at the time I opened my account, and I know I would not have put over {$2000.00} on my Chase card without that incentive ( I would've opted for cash back on a different card ), but Chase ensures that there's no way for a consumer to prove what s/he was offered at the time of the credit card application.
Product: Credit reporting

From XXXX of XXXX to XXXX XXXX I lived in the income restricted property, XXXX XXXX XXXX in XXXX, FL. One of the lease addenda stated that if my family size or income changed, I was to report it immediately, and if the income exceeded the allowance, I was to move out within 30 days or by the end of the lease, whichever was sooner. I married, my family income rose, exceeding the allowance, I paid my prorated rent and submitted the 30 day notice, but the manager refused and returned my check and told me I was going to be liable for the remainder of the lease. I continued to proceed with moving out, and when management filed for eviction, I responded and requested an amount to pay into the court registry. However, their unethical lawyer claimed I never replied to him ( he actually never picked up the response I sent via certified mail, which was eventually returned to me. He motioned the court for a default judgment without notifying me, and when I called the court to find out when the hearing was, they told me that the judge had already issued a default. I subsequently filed to vacate the judgment, showing proof that I 'd been denied due process, I was granted a hearing, argued the case myself, and won. The court ruled that I had acted according to the terms of the lease and granted my motion to vacate, ordering that I send the original prorated amount I attempted to give the manager. I actually mailed the check prior to receiving the signed copy of the court order, and still have the certified mail receipt indicating that it was received. Nevertheless, the management company had reported a debt of {$1500.00} to each of the XXXX credit bureaus which they have not only never removed despite my disputes, but most recently reported to XXXX last month. Apparently the collection agency and/or management company is still misrepresenting this, and the credit bureaus are taking their word for it that I owe them this money. They list the account as " opened '' on XXXX XXXX, XXXX, which was 3 months after I moved out of the apartment and two weeks AFTER the court vacated the default judgment. What do I need to do to get this fraudulent report off of my record? Can I sue them for this? Can they be fined? This is n't an oversight ; it is intentional. I am attaching the following documentation : the original Order of Court 's Default ( XXXX/XXXX/XXXX ), Order Vacating Final Judgment ( XXXX/XXXX/XXXX ), Notice of Hearing ( XXXX/XXXX/XXXX ), Order on Defendant 's Motion to Vacate Default Final Judgment ( XXXX/XXXX/XXXX ), the stub from the money order I used for payment ( XXXX/XXXX/XXXX ), and the US Postal Service Return Receipt for the rent ordered by the court, signed by XXXX XXXX 's manager on XXXX XXXX ( the hearing was on XXXX XXXX ; I mailed it the next day ). I want this removed from all XXXX credit bureaus. Your assistance will be appreciated.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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.