23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

a negative was discovered on my credit, by XXXX XXXX XXXX and XXXX i had to reach out to this collection agency not from them but from the report. The worker from Amshercollectionservices admitted they never informed me of this dept due to it had been past around from several collection companies. I twice during the conversation told XXXX that i recorded the phone call. I requested validation of there right to collect a dept and a contract that we have entered into with my signature on it. under the fair reporting act. they admittingly told me that they didn't have to contact me and inform me of the collection, because other collection companies had been trying to collect. viewing my XXXX report XX/XX/XXXX the same day they told me they got it was the date its was placed for collections. my due prosses was disregarded and i plan to file complaints to the XXXX XXXX XXXX against this company for this and other right violations.
Product: Credit card or prepaid card

On approximately Saturday, XX/XX/21, at about XXXX am. I called Bank of America to report suspicious activity associated with my bank account and the suspicious record keeping involving my credit card account and missing financial funds. Only to inappropriately learn that I was being illegally charged {$10.00} dollars for each and all financial withdrawals through the ATM machine? 
Which I had no prior knowledge of or either ever having agreed to said illegal terms arbitrarily placed upon me?
Product: Checking or savings account

On XX/XX/2019, I deposited a personal check from a friend for {$500.00} into my Bank of America checking account, utilizing a Bank of America ATM. On XX/XX/2019, I received a letter from the Bank of America dated XX/XX/2019 informing me that funds would be available on XX/XX/2019 and stating, A hold was placed on your check ( s ) because check specific information indicates that the item may be returned. Bank of America did not even make the first {$200.00} available on the first business day following deposit as required by law. When I contacted the writer of the check, he informed me that it had cleared his bank account. Nonetheless, Bank of America refused to make the funds available to me prior to XX/XX/2019 and to refused to contact the checkwriters bank to confirm the availability of the funds. In failing to make these funds available as required by law, I believe that the Bank of America violated Regulation CC ( 12 CFR Part 229, Subpart B ( 12 C.F.R. 229.10 et seq. ) By failing to enumerate the reason for its belief that the check is uncollectible, I believe that the Bank of America violated Regulation CC ( 12 CFR Part 229,  Subpart B ( 12 C.F.R. 229.13 et seq. ) which requires that, The reason for the banks belief that the check is uncollectible shall be included in the notice required under paragraph ( g ) of this section. '' As a result of Bank of Americas actions, I was denied access to funds needed for basic necessities, including groceries, toiletries, and gasoline. Accordingly, I am seeking all remedies available under the law.
Product: Money transfer, virtual currency, or money service

My mother located a source for XXXX through a telegram correspondence. This was advertised from a website promoting XXXX XXXX material.Initially, she believed this to be truthful and legitimate, dude to its ties with the website claiming XXXX XXXX is currently our active United States president. I however do not share this perception about our current active President. I was suffering a severe case of parasites, which had traveled to my eyes and had developed into a severe health risk. On XX/XX/23, after a brief correspondence from someone claiming to be XXXX XXXX XXXX, ( Screenshots attached ) we were instructed to send {$150.00} through PayPal with the description of " family and friends ''. However the name that we were given, to send the money to, XXXX XXXX XXXX to this, they were very unprofessional, wrote with broken XXXX, and pushed for an illegal vaccine passport card for an additional fee of $ XXXX were told we would receive our order of XXXX the very next day. However we were approached by a ridiculous request to send another XXXX dollars for delivery. All of this naturally through XXXX. The additional request for {$100.00} simply had a white person 's hand holding a package with no address, when I had clearly given the address the day before at the time of the order. At that point we contacted PayPal and let them know of the scam quickly and without any additional questions from us they dismissed it and said there was no wrongdoing at all. PayPal seems to be complicit in fraud and obtaining finances through false pretenses. As the user XXXX XXXX XXXX is still active as of today XXXX was able to obtain Ivermectin through a regular website in conjunction to speaking to an actual person on the telephone and it was shipped within the United States. I have never seen anything legitimate, regarding any type of exchange of information or service, come from XXXX. XXXX XXXX eager to join them.
Product: Bank account or service

Discover Bank has failed to honor their promotion to credit my account with {$100.00} after I opened and deposited {$1000.00} into a checking account. Please read the attached Discover Bank messages. In the XXXX/XXXX/15 message Discover Bank clearly states that I met the requirements for the {$100.00} and it would be deposited to my account on XXXX/XXXX/15.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed several disputes with all three credit agencies between XXXX 2017 and XXXX 2017. Transunion is the only one still actively reporting that my account with XXXX XXXX XXXX is open and carrying {$2500.00} balance. I have called XXXX XXXX directly and they claim that they have reported my account closed with a XXXX  balance to all three agencies. When I spoke to a costumer service supervisor at Transunion on XXXX XXXX, 2017 he stated when they contacted XXXX XXXX XXXX XXXX on XXXX XXXX, 2017 they were told the account was open and over my {$2500.00} limit.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP THURSDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Checking or savings account

TD bank online account set up prove to be fraudulent. All my personal information was rendered. SS #, acct #, DLicense # info including expiration, email address and password, address, td bank account info and pin, created a password to this fraud online acct XXXX. 
My full name. 
The link was TD bank XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on  XXXX   XXXX   XXXX  I took subscription for  XXXX .Account number  XXXX  On  XXXX   XXXX  equipment was shipped by  XXXX .   On  XXXX   XXXX   XXXX  send cancellation email.   On  XXXX   XXXX  confirmation email received of returned equipment Now I see on my credit report there is a collection filed on  XXXX   XXXX   XXXX  by  XXXX  for {$460.00}
Product: Debt collection

XXXX XXXX XXXX filed a collection through the company XXXX. XXXX, XXXX ( Account # XXXX ) for the amount of {$XXXX} for a health plan for a dog named XXXX that does not belong to me since I only have XXXX dog named XXXX and my account is in good standing with no outstanding balance. In Accordance with the Fair Credit Reporting Act Account # XXXX of XXXX. XXXX, XXXX, Has violated my rights. 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please read this message carefully. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX, XXXX Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX, XXXX, XXXX, Collections Of Athens in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any  information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. 

XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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. 

XXXX XXXX has yet to provide a full disclosure of the debt to me with wet ink signatures to validate the debt. 

XXXX XXXX has agreed to violating my rights and has removed the history of the account on XXXX, and has yet to do so on XXXX and TransUnion. The entire account history should be removed across all credit bureaus entirely, including XXXX. Such information is reflected in their acknowledgment of the violation.
Product: Credit card or prepaid card

I used to be a QVC and HSN customer and trusted them on their easy pay plan that is advertised on their website and on tv by every hostess as to having 0 % interest. I didn't realize until today that I was being an outrageous 32 % interest. I called QVC customer service and they transferred me to synchrony bank. When I spoke to XXXX XXXX they said it wasn't them charging the interests, it was QVC, and he transferred me back to the QVC customer service. They, QVC XXXX, said again it wasn't them, that it was XXXX XXXX Regardless of who it is, it is the consumer that is being ripped off. The way it is advertised is not only misleading but fraudulent, they do lead you to believe that if you pay it off within five payments it will be an interest free purchase, but that is completely untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two 30-day late mortgage past due payments that were directly caused from Wells Fargo website malfunctioning. I have 3 mortgages with Wells Fargo and pay electronically every month prompted by a monthly alarm I have set on my phone. While trying to pay my XXXX XXXX mortgages electronically an issue occurred when Wells Fargo had changed their website in the XXXX/XXXX  XXXX timeframe. When I logged in and tried to pay, it would act as if it was processing the payment and then a prompt would come up saying " No Internet Connection '' and it did not give me a confirmation. I tried several times logging in and out, but it still gave me this message. I was at work and needed to go to my next meeting so I thought I would try again later from home. Unfortunately, I completely forgot and didn't realize until I went to pay the mortgages the next month. I then immediately paid them in full. This time it would let me pay the 1st mortgage, but when I tried to pay the 2nd one it gave me the " No Internet Connection '' message again. This issue went on until the XX/XX/XXXX timeframe in which I was required to log off and log back on to pay each individual mortgage, often having to log on and off more than once to get it to work per each of the 2nd and 3rd mortgages that I tried to pay. As of XXXX it appears to be working correctly and I have made no changes to the computer that I am using or the networks at work or home. I called Wells Fargo to explain my situation in XX/XX/XXXX and the customer service representative that I spoke with told me that it would not go on my credit report because I had caught it in time. However, I recently applied for a vehicle loan and the lender informed me that I had two 30 day mortgage past due flags from Wells Fargo on my credit report. Other than this issue with the Wells Fargo website I have been rock solid on payments for years usually paying within 1 to 5 days of the beginning of the month. With the aforementioned in mind I had respectfully asked that Wells Fargo remove the 30 day delinquencies from my credit report and after their review they denied my request. I would like assistance to get these 30-day delinquencies removed as they were directly caused by their website malfunctioning. 

3 Wells Fargo Mortgages : 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Correction of Incorrect Name and Address Information in My Credit Report Dear Sir or Madam, I am writing to request the immediate correction of inaccurate information in my credit report related to my name and address. 

My correct and only name is : XXXX XXXX XXXX XXXX. 
My correct and only address is : XXXX XXXX XXXXXXXX. 
Upon reviewing my credit report, I identified errors related to my personal information that need to be corrected. Below, I have outlined all inaccuracies : [ List the errors exactly as they appear in your credit report ] To facilitate the correction, I have attached documentation verifying my identity and accurate information, including : A copy of a government-issued photo ID ( e.g., drivers license or passport ) A copy of a utility bill or bank statement showing my current address I respectfully request that you : Correct my name to reflect XXXX XXXX XXXX XXXX XXXX 
Update my address to reflect XXXX, Texas XXXX. 
Remove all incorrect or outdated entries related to my name and address from my credit report. 
Please confirm in writing once the corrections have been made and provide me with a copy of my updated credit report. 

Should you need additional information or documentation, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt assistance in resolving this matter. 

Sincerely, [ Signature, if on paper ] XXXX XXXX XXXX XXXX
Product: Debt collection

Received a phone call at XXXX on XX/XX/2021 at XXXX XXXX from a XXXX XXXX at XXXX and XXXX. Mr. XXXX did not state that this was a call to collect a debt or that I was on a recorded line. MrXXXX XXXX continued to state that he was with XXXX and XXXX and wanted to work with me in regards to a past debt. I told him that I do recall the debt but if I could receive a letter with all the information to confirm. He stated that he can just give me whatever information that I need over the phone. I let him know that I settled a debt recently and thought that it was for this particular client, he let me know that I should have received a letter from them if that was the case. I did let Mr. XXXX know that I was at work and would be more than happy to look into this as well. Mr. XXXX continued on by stating that I should be happy that they are willing to work with me because if I don't then that they will add this onto my credit report and that it would be stuck with me for the next 7 years and that since I am young, it would affect many items. Mr. XXXX stated that he would give me the day to check in to see if I could find a letter stating that the debt was paid and that I could give him a call back on XX/XX/2021. He then proceeded to give me his direct line and asked, " Did I give you my email yet? '' I stated that he had not and then he said that it was okay, that I didn't need it anyway. I asked if I could have the email address just in case if I needed to follow up and if he did not answer is phone. Mr. XXXX then became very aggressive saying that he just said I didn't need it. I reiterated that I do have a right to contact him via email if I choose to and he said that I still didn't need it and he could refuse if he wanted to. I asked him again and he said that he would not provide me with an email address to reach him and that he would not transfer my call to someone else. There is a clear difference in using scare tactics versus stating things that are illegal. I called back on XX/XX/2021 and spoke to a representative who did confirm that the call was recorded but did let them know that I was unaware since he did not say this. I am still awaiting a call back from Mr. XXXX as that is Mr. XXXX 's direct supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 120 days since i have been trying to get TransUnion to address inaccurate information that i found on my credit report. My first letter was sent to them on XXXX and i simply asked them to verifity that the information on there was correct. They never verified the information or send me proof of verification, or even the method they used to verifiy the information. I've sent certified mail on XXXX as well as every 30 days inbetween XX/XX/XXXX and XX/XX/XXXX. I also reached out to some of the companies that were reporting the information prooving that TransUnion is reporting inaccurate information on my consumer credit report. To this day TransUnion has yet to send me any information regarding their investigation. The simply report " verofoed by consumer '' on my credit report. How is this legal? This defineitely does not follow Compliance Procedures when it comes to accuracy, communication or time of the investigation. They are knowingly and wilfully reporting false information which is causing me stress and hurting my abillity to get a promotion at my job. I know TransUnion has a huge responisibility when it comes to consumer reporting, but they have failed to do that with me. Either they are simply lying to me, or they just aren't doing their job according to the Fair Credit And Reporting Act. I need you to help me get them to remove this information becuase it has been reporting inaccurately for way too long.
Product: Credit card or prepaid card

I received a letter from XXXX XXXX XXXX XXXX XXXX regarding a XXXX XXXX XXXX XXXXXXXX account they stated they had purchased. I sent them a cease and desist letter as well as requested XXXX days to receive the info related to said account. They did not respond within 30 days and are now harassing me. 

Reference # XXXX XXXX {$3800.00}
Product: Debt collection

This company contacted a third party and disclosed information about a debt that they say I owe to another originator.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, was the XXXX time i dispute an account thats inaccurately being reported and violating many of my FCRA rights. The company has failed to do anything about the matter except continue to inaccurately update the account. Ill be attaching the previous complaint below.
Product: Credit card or prepaid card

I have done complaints about the fraud and financial deceit done by TD Bank here. In response to the most recant response by TD Bank I would say the following. They try to convolute and direct attention from the simple and unavoidable reality that they ( TD Bank ) fraudulently try to maximize fees and overdraft expenses with customers through the following methods. These methods are clear when you read between the lines and the diversionary information given by TD Bank in last response or namely. 

1. TD Bank still has not denied what they previously said which is that they ( TD ) process larger transactions first before processing smaller ones. This is a clear policy designed to maximize small transaction overdrafts that are more multiple. By design they try and maximize. 

2. TD Bank said that they give balances and pending information the following day. This simple and clearly says that at all times when someone either calls TD Bank, checks online or through other means the balance is likely to not be accurate. No distinction between balance, pending, and processing or basically no way to determine if costly overdraft would be used by consumer. 

3. TD Bank intentionally and with though charges annual fees and even withhold temporarily monthly interest payments during times wherein several large transactions are pending and possibly large overdraft fees. 

The above is observation from investigating and talking to many other customers that are considering a class action lawsuit against TD Bank. 

As for me now, I did a fraud dispute for over {$2000.00} in fraud card transactions that TD Basnk never addressed but lied and said they did in 2014 and TD Bank most recently received a letter I mailed to them with tracking to their fraud department and it arrived over a week ago and several days before TD Banks most recant response and they don't report it. I want answers there on the fraud transaction and recant submission I did with TD Bank.