23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX TD Card Services called me to ask me about 2 charges that had been made on my account that they suspected were fraudulent. The charges were made on XX/XX/XXXX ( XXXX XXXX   {$47.00} ) and XX/XX/XXXX ( CK Dealer # XXXX {$45.00} ) in XXXX SC. I haven't been to XXXX SC in over 10 years and agreed that these were fraudulent charges. They canceled my card and issued me a new one. On XX/XX/XXXX I received a letter from TD stating that they denied my fraud claim and deemed that these charges were not fraud based on my spending patterns even though I had 5 in-person transactions in XXXX, SC that day, which is over 150 miles away from XXXX. I called TD on XX/XX/XXXX and requested that someone from the dispute department call me and that they reopen my case. I was told a request to reopen my case was submitted and that I would receive a letter in the mail. On XX/XX/XXXX I still hadn't heard anything, so I called again. I asked to speak directly with the fraud department and was denied. The rep told me she would put in a note for someone to call me and it could take 3-5 days if they chose to call me. On XX/XX/XXXX I still hadn't heard anything, so I called again. I asked to speak with a rep and was denied again. I was told that it hadn't been 5 business days, so I just needed to wait. On XX/XX/XXXX I still hadn't heard anything, so I called again. Same thing ... was told they put a note in the system for someone to call me. On XX/XX/XXXX I called again. I asked to speak to a supervisor. She couldn't help me. She put a note for management of the fraud department to call me since no one had reached out previously. On XX/XX/XXXX I still hadn't heard anything so I went into a local TD bank branch. I explained my situation to one of the bankers. She called TD card services on my behalf. They wanted to speak to me ... They said that they were reopening the case and I should receive a letter in the mail. On XX/XX/XXXX I hadn't received any letters or any phone calls so I went back to the local TD bank branch. I explained my situation to a new banker since the original banker I had spoken with was busy. The new banker called TD card services on my behalf. She got very frustrated with the TD card services rep. The first rep kept telling her that they had already given me my money back ( which they hadn't ). She asked him for a date that the money was returned and the rep couldn't provide one. We were on the phone at the branch for an hour. The banker was transferred several times. Finally the last rep told the banker that my case had been resolved and a letter had been sent out the day before ( XXXX ) to let me know that it had been resolved. Today is XX/XX/XXXX and I have yet to receive any letters or communication from TD card services of any kind. In addition to this, they are charging interest and late fees on the unpaid balance, which consists entirely of the 2 fraudulent transactions. I no longer use the card and would like to cancel it but was told I can't cancel it until it has a zero balance. If they would take care of the fraudulent charges, it would have a zero balance ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect information on my credit report, I sent a certified letter back in XXXX ( certified receipt included ) I have not received a status or result of the investigation and inaccurate and unverified accounts are still being reported, I would like verified proof of the accounts being reported.
Product: Credit card

I agreed to purchase XXXX travel points used for staying at XXXX which they call " XXXX XXXX ''. However, after the down-payment & 1st 2 payments of the cost had been charged to my American Express card, I discovered many problems with the good/services, with limitations to travel and with the actual locations of the " resorts '', so I no longer wished to use this future service, it was not as originally promoted, so under the Fair Credit Billing Act, under quality of service, within the legal time-frame permitted by law & since purchase agreement was made in my state, within XXXX miles of my home, after cancelling with the Merchant, I contacted American Express to file my dispute, cancelling future purchases on card & requesting my {$650.00} to XXXX returned. I called American Express XX/XX/2017. Immediately there were problems with American Express. Later I discovered that the agent typed in a false statement that the reason for the dispute was that I did n't recognize the charges. Absurd, as I had discussed the history of the charges to the agent, emphasizing my need that an upcoming auto-pay around XX/XX/XXXX of the month be stopped along with any future payments to XXXX. A independent customer service survey was sent to me within a day or two of me seeing the false statement in Amex 's " inquiry & dispute center '' attached to my dispute & I stated how completely unsatisfactory my experience had been, stated how the agent error would require me to re-file my dispute since merchant had send copy of the initial purchase agreement causing Amex to cancel my dispute. I re-filed.and when asked to provide documentation of my cancellation, dated XX/XX/2017, I provided it by fax and additionally by USPS, and both submissions were confirmed to me as received by Amex. Since then, the merchant, " XXXX by XXXX '', in spite of having a dispute filed with Amex, has started attacking my good credit by reporting me paying late to XXXX, but has proven receipt of my cancellation notice with my complaints about the XXXX XXXX in that cancellation notice to them by further contact by email regarding those complaints. 
Still, American Express dispute " investigations '' days ago sent me the following : '' In response to our inquiry, the merchant has explained that they were called on XX/XX/2017 for find out the payoff amount however ; they have not been called in to request the cancellation of contract. '' American Express has unquestionably demonstrated unwillingness to be impartial & process this dispute under the legal guidelines, so I 'm hoping to get them followed through you. I understand that the merchant does n't want to lose my money and has proven their only motivation is money, not service satisfaction unlike their CEO 's credo on service, but if in any way my rights under the FCBA were waived because of this agreement, I 'm not aware of it. I will attach the various documents & copies that are printed out, but some additional documentation, email notices of receipt from both American Express and the merchant to substantiate my statements, if needed, remain in my email, and are available if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

have sent 4 dispute letters over the course of 5 months to the reporting agency disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 

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

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT XX/XX/XXXX 1. I received a letter from Equifax dated XX/XX/XXXX noting a new current address change had been made to my credit report ( see Page 1 ). I made no such new current address change. 
2. On XX/XX/XXXX I called Equifax and spoke with 5 of their Customer Care representatives and eventually spoke with agent supervisor identified as XXXX XXXX and initiated a dispute regarding the unsolicited change in my current address to XXXX, XXXX, NV XXXX from XXXX XXXX XXXX, XXXX, SD XXXX  per Equifaxs TrustedID Premier Service ( see Page 2 ). My correct home address is XXXX XXXX XXXX, XXXX, SD XXXX ( see Page 1 showing address that the notice of change in address was sent to ). XXXX XXXX is the former address of another XXXX. Additionally, I sent a request to receive my Equifax Annual Credit Report on this date and have not as of yet received a hard copy of my credit report ( see Page 3 ). 
3. I received a letter from Equifax dated XX/XX/XXXX, Confirmation # XXXX, noting that my current address was corrected to reflect XXXX, XXXX, SD XXXX ( see pages 4-6 ). 
4. On XX/XX/XXXX I logged on to Equifax, using Confirmation # XXXX, and noted that no correction had been made to my credit report. Due to my time constraints I logged off from Equifax and when I tried logging back on to dispute my credit report incorrect address I was locked out and I emailed Equifax and advised them of my problem ( see Page 7 ). 
5. On XX/XX/XXXX I received an email advising me to contact Equifax Consumer Services Team Member ( see Page 8 ). 
6. On XX/XX/XXXX I called Equifax and spoke with 3 of their Customer Care representatives and eventually spoke with agent supervisor identified as XXXX XXXX but I was unable to satisfactorily resolve my issue without having to jump through additional hoops ( Equifax was ignoring their correspondence dated XX/XX/XXXX see pages 4-6 ).
Product: Credit reporting or other personal consumer reports

I reached out to XXXX regarding my issue with them sharing my personal information with nonaffiliates which includes XXXX, TRANS UNION XXXX and XXXX. According to XXXX privacy policy which is also attached states that they do not sell or share my personal information with non affiliated 3rd parties I have made multiple attempts to opt out of them reporting my personal information which is backed by the privacy act of 1974. Copies of notices are attached. Not to mention XXXX XXXX, TRANS UNION XXXX and XXXX an are reporting income to my report which illegal according to the IRS publication XXXXXXXX XXXX  is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX XXXX to share my information with a non affiliated third party. The Gramm Leach Bliley Act 15 USC 6801 says that a financial institution is not supposed to share non public personal information to a third party. XXXX is furnishing a charged-off account onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a credit report. XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking XXXX to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I need this charged off account removed. This is also a direct violation of 15 USC 1692d If This account startin with XXXX is not removed from all credit reporting agencies I will be filing the appropriate forms on all parties involved with the appropriate authoritative agencies such as the IRS to combat the fraud perpetrated against me.
Product: Debt collection

My granddaughter was scammed by one of her friends by processing a stolen check through her checking account. When I got the letter in the mail of a returned check I immediately went to the bank. The representative printed off the check, it was from someone in New York. After doing some investigation I found that the check had been stolen from an elderly woman by her care taker. I contacted the bank and advised them what I had found out. I also pressed charges against the young man. After all the back and forth with the bank they sent it to a collections agency. 
The agency contacted me and after explaining to them took they offered me a settlement amount if I were to pay {$200.00} on that day and XXXX payments after that. I asked if they would send me something in writing stated the agreement before I send in the payments according to the arrangement. I was told I would get a letter, I never received an agreement. I contacted them XXXX times after not receiving anything. They finally said they sent it to my granddaughter 's school where she attends college. I phoned my granddaughter and she stated she never received a letter. Phone calls went back and forth and I never received an agreement but was told it was documented and that I could send my payments. We started making payments and each time we made a payment it never reflected the agreement we had made only the amount that had be sent to them by the bank. 
I phoned back and was told that because I had missed my payment arrangement it was cancelled and would have to start a new XXXX. I explained I did not missed a payment, it was poor communication about the letter I was to receive. I started to send payments. I decided that we would make payments in increments as long as the amount was paid by the date they set. I ask if this was ok and was assured it was. We continue to make payments and each representative would give me the original amount until I explained the agreement. I would place me on a long holds, they would come back and state they it is documented. 
Each representative I spoke with I would ask, why am I getting notices that are not reflecting the agreement amount but the original amount from the bank. Each time I was told it was documented. After a couple of the representatives I spoke with stated the original {$200.00} was to go toward the XXXX arrangement this would have made our balance {$430.00}. I phoned them on XXXX XXXX, 2015 to make a payment on the {$430.00} and was told it was {$630.00}. I advised the young lady I would be filing a complaint because I felt that I was just throwing money away. I received a call from another young lady early Saturday morning stating that the agreement was broken and that we now own {$1000.00}. I advised her that I had filed a consumer compliant and would speaking with the XXXX on Monday morning. The arrangement changed, I never received an agreement with the settlement amount and I was n't treated fairly. I feel that we have been scammed a second time.
Product: Credit card or prepaid card

On or about XXXX XXXX I used my cash app card to pay a {$25.00} pet fee at a hotel. I signed the slip stating {$25.00}. This was not a hold for incidentals. 

The next day the hotel changed the charge to {$170.00}. The next day they changed it to {$250.00}. They then submitted for payment for {$300.00}. I did not authorize this nor is there a reason for this. 

I immediately told Cash App not to pay this but they paid it. In XXXX I filed an official complaint. It is now XXXX XXXX and I'm still waiting for my {$270.00}. Cash App continues to say they are investigating.
Product: Credit card

With a credit XXXX  score of XXXX prior to applying for a Wells Fargo credit card ( its now XXXX ) I was declined. I was told that it was information contained on my XXXX report, yet my credit is excellent this is the same bank with dismal on line consumer reviews that was fined billions by the federal government for customer fraudulent service charges. Everything with regards to this complaint was a form of deterrent from any such complaints. I have been on the phone for more than an hour. Last person was a XXXX  representative XXXX and the case number is XXXX I think I was declined for reasons other than my credit score and consumer decency. This bank is dishonest to the core. I am appalled that my credit and other personal details are being discussed by XXXX  representatives.
Product: Credit card or prepaid card

On XX/XX/2020 I made a request for {$300.00} to be XXXX XXXX  to myself. On XX/XX/XXXX I recieved {$300.00}. I check my account after picking up the funds to find Bank of America deducted {$400.00} out of my account plus a {$15.00} transfer fee. I immediately called Bank of America to find out why and was put on hold for 2 hours then hung up on this repeated 3 times. When I finally reached someone who seemed to want to help they informed me XXXX was sent and I should have recieved XXXX. Since I didn't make a request for XXXX I informed her it was incorrect and requested the money be returned to my account. I was once again asked to hold in which an hour later was hung up on. 

It is now XX/XX/2020 and I have still not had access to my missing XXXX dollars. XXXX XXXX has no record of the XXXX request and Bank of America repeatedly tells me they will fix this issue but has done nothing. I demanded my phone calls be listened to so they know I never requested XXXX dollars so they had no right to change the amount. I am on unemployment which is lower money than I usually have access to. Having a large powerful rich bank steal XXXX dollars from me is financially destructive to my family 's wellbeing and livelihood. I am disgusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my consumer report XX/XX/2022 and am frustrated to have found so many inaccurate accounts being furnished in errors. Pursuant to 15 USC 1666b, a creditor may not treat a payment in a credit card account under an open-end consumer credit plan as late for any purpose. Congress has noted that XXXX, Equifax and XXXX XXXX is not backed by any government agency and is simply an elaborate mechanism developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character and general reputation of consumers. Congress has also made it clear that XXXX, XXXX XXXX and Equifax have assumed a vital role in assembling and evaluating consumer credit and other information on consumers pursuant to 15 USC 1681. Per Congress l, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, XXXX XXXX and Equifax acted impartially towards me because you furnished inaccurate information l, defaming my character and reputation, with no proof. Not to mention l, I never gave XXXX, XXXX XXXX and Equifax any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b as well 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) because information solely as to transactions or experiences between the consumer and the person making the report should be EXCLUDED from a consumer report so you have no authority to furnish this information. XXXX, Equifax and XXXX XXXX has caused me severe stress and anxiety due to these abusive and unfair practices.
Product: Checking or savings account

After noticing fraudulent charges on my account I spoke with a banker on the phone and they started a claim. These were for charges from XXXX and I e never had an XXXX as well as other online charges of services like payments over time that I've never used or never been familiar or know how to use. I wasn't even able to log in and check my online banking until a few weeks ago when my daughter showed me. This is after multiple attempts for them to show me how to use the online banking. They were always busy or required an appointment. 
After filing the claim I filed a police report over the fraudulent claims. I was assured by the banker I would be credited the money on the charges within ten business days. The only ones he wasn't sure would be refunded were the ones over 90 days old. Ten business days passed and nothing happened no word no credit. It was nearly 3 weeks that I called and told my claim was denied and nothing would be credited and nothing else could be done or appealed over the charges I never made. I feel taken advantage of and stolen from and the bank promises to protect from fraud and they just say denied and nothing further can be done. It's not right. I'm XXXX XXXX XXXX and never thought the banks could let your money be stolen and say too bad.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted Experian about not being able to access all three bureaus report and the error message I was receiving " We can't show you today 's 3 bureau reports. This might mean XXXX has no record of your credit history. 

The representative stated that it was an internal data quality issue and that she will submit a form to fix the issue. 

I contacted XXXX and confirmed the information they had on file was correct and requested a copy of my report. 

On XX/XX/XXXX, I contacted Experian again to advised the issues has not been resolved and that I was able to also pulled all three reports from another source. 

I advised that Experian was the one, whom updated my file with outdated information, incorrect social, addresses and employer. On XX/XX/XXXX I emailed the memberships department as requested the error message and copy of XXXX information showing I had a credit file and my information correct. 

The rep stated the information was updated from a lender XXXX XXXX from XXXX which I never did business with. 

I asked to be reimbursed for they membership fees I have paid from XXXX to XXXX, since I haven't been able to receive the services I am paying for. For they lost time I was able to access all three reports was XX/XX/XXXX and that I have not been receiving monitoring and risk update. 

I was reimbursed for XXXX to XX/XX/XXXX, but was told I couldn't be reimbursed for XXXX XXXX, although I am not receiving the services. 

After speaking with a supervisor, I was advised many other were experiencing the same issue unable to access their reports. 

I explained that XXXX and XXXX has the correct information and Experian had updated my file with outdated and inaccurate information and this seem to be the issue. 

A of today XX/XX/XXXX, this issue still hasn't been resolved. I have contacted to Experian, XXXX and XXXX regarding the issue I am having multiple times too only be told by Experian the case was closed and reopen. This has been the issue since XX/XX/XXXX. 

This has caused so much stress and anxiety.
Product: Debt collection

Ive been trying to talk to the company related to the collection and they understands that it was not my account that the collection is connected to. Ive never owned an account from XXXX and stated that multiple times to XXXX  as well as XXXX. All the other Credit Bureaus were able to understand that the account is faulty and isnt my account which resulted in it being removed from my account, but XXXX will not remove after Ive stated multiple times that it isnt mine.the collection is {$150.00}. Ive attached my phone company that Ive had for years. I have never owned a XXXX XXXX  product
Product: Debt collection

As a Federally Protected Consumer, the Original Creditor, and its Principal and Authorized Representative for on all accounts created by my seal/signature, As of the date of this letter you SEQUOIA FINANCIAL SVCS have violate FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b ) Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 )  XXXX XXXX is violating HIPPA laws.