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

We were charged overdraft fees on multiple transactions from our checking account with TD Bank. And then we were charged an overdraft fee ... on the overdraft fees. Prior to any of this happening, we elected to decline overdraft protection on our accounts so the charges should have never gone through in the first place and should have been declined, as per our agreement with TD Bank, at the point of sale. 

Additionally, the charges were never actually posted to the account. They were Pending charges, we noticed that our account would become overdrawn if we did n't deposit money, so we transferred money into the account from our TD Savings account, prior to all of the pending charges actually posting. Our checking account was never actually underfunded. TD Bank manipulated the posting dates and times of the transactions so as to charge us the greatest number and amount in overdraft fees ... even though the debit charges should have been declined entirely at the point of sale because we do not have overdraft protection on our account. 
About half of the charges have been reversed, but we are still waiting on getting the rest of the charges reversed. We have spoken to at least XXXX employees of the bank, all of whom say that they do n't personally have the authority to reverse the charges, and that they must get approval from their higher level manager. This has been going on for over a week now.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against Experian for Failure to Investigate Credit Report Errors **To Whom It May Concern**, I am writing to formally lodge a complaint against Experian regarding their failure to properly investigate disputes related to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
**Personal Information** : - Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX XXXX XXXX XXXX XXXXXXXX - Email : XXXX **Details of the Complaint** : 1. **Background** : I have sent multiple letters to Experian disputing inaccuracies on my credit report, as per my rights under the FCRA.

2. **Lack of Compliance** : Despite my efforts, Experian has failed to comply with the following sections of the FCRA : - 15 USC 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information.

- 15 USC 1681s-2 : Failure to properly investigate and respond to disputes.

- 15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation.

- 15 USC 1681c ( c ) : Failure to remove or not reinstate inaccurate information.

3. **Impact** : As a result of their negligence, I have been denied rental agreements, mortgage loans, & employment opportunities.

**Request for Action** : I request that the CFPB investigate Experian 's practices and hold them accountable for their failure to comply with the FCRA. I would also like to ensure that my disputes are properly investigated and resolved Thank you for your attention to this matter. 

SINCERELY XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened a checking account with XXXX XXXX, which is operated by East West Bank. I have been using this account for my day-to-day transactions without any issues until XX/XX/XXXX, when I deposited my son 's check for {$660.00}. 

XXXX days later, on XX/XX/XXXX, I received an email notification from East West Bank stating, " Due to recent account activity, East West Bank has made the decision to exercise our right to close your account. '' This abrupt decision was surprising and concerning to me, as I had not encountered any prior issues with my account. 

I promptly contacted East West Bank 's customer service to inquire about the account closure. I used the in-app text support with a customer service representative named XXXX, who informed me that the reason for closing my account was the rejection of the {$660.00} check I had deposited. XXXX requested proof that the deposited check belonged to my son. In response, I provided my son 's birth certificate as evidence, indicating that I am his mother. 

However, a few days later, XXXX requested that I participate in a video meeting with both myself and my son to further explain the situation. I found this request to be a significant inconvenience and an unusual requirement. Dissatisfied with the customer service experience and the unnecessary burden placed on me, I decided to accept their option to close my account and requested the refund of my remaining balance as a cashier 's check. 

XXXX collected my address to send the refund check and informed me that I would need to wait for 30 days for the refund check to be processed. 

As of XX/XX/XXXX, I had not received the refund check, and the issuer of my son 's {$660.00} check had not received any notification of its rejection. I contacted the customer service again, and they asked for my address once more, stating that I should continue to wait. 

On XX/XX/XXXX, I reached out to customer service for an update, and XXXX informed me that my son 's check was rejected and returned, which is not accurate based on my contact with the check issuer. XXXX again collected my home address and told me to wait for another 30 days for the funds to be remitted. This ongoing delay and lack of resolution were frustrating. 

When I requested to speak with XXXX 's supervisor, he claimed that no supervisor was available and refused to escalate the matter. 

On XX/XX/XXXX, I contacted customer service once more to inquire about the status of my refund check and my son 's rejected check. The customer service representative, XXXX, informed me that she had forwarded my inquiry to the back office and instructed me to wait for their response. 

Finally, on XX/XX/XXXX, I discovered that my account was suspended. I am unable to log in to my account, and all attempts to contact customer service have been unsuccessful. This situation has left me deeply concerned about the safety and accessibility of my funds.
Product: Debt collection

My father, XXXX XXXX XXXX, passed away on XX/XX/2020. He had absolutely no estate whatsoever. The only creditor he has had in the last 20 years is a credit card through his bank, which he paid monthly and which was at XXXX balance at the time of his debt. He had no medical bills because he was a XXXX  military veteran and had a combination of XXXX and XXXX for Life. On XX/XX/2020, I received a harassing form letter from a company called DCM Services, based in XXXX, MN, stating they know my father passed away and they wanted to know who is authorized to pay any bills that may be outstanding against the estate of my father,. NO CREDITORS ARE CITED IN THIS LETTER, and I know for a fact they have no clients they are representing. A quick XXXX Search of this company shows numerous complaints of this company using this same ambulance chasing practice with other folks whose loved ones have passed away. A call to the NV XXXX  ( my dad resided in NV with me ) revealed 39 complaints by this company for this same practice of sending form letters to the families of people with no estates and no debts - in the past three years. I have filed a complaint with the MN XXXX  and the MN Dept of Commerce. I am sure there is a federal law that prohibits this kind of predatory collection activity. ESPECIALLY NOW WHEN OVER 100,000 PEOPLE HAVE DIED IN A PANDEMIC. HOW MANY FAMILIES ARE BEING UNDULY HARASSED IN THEIR TIME OF GRIEF?
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. 

Account Name : XXXXXX/XX/XXXXXXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/XXXX XX/XX/year> Equifax 15 U.S.C 1681 section 602 A. XXXX 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX, XXXX & XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed a payment on the following account XXXX XXXX.  Please investigate to ensure the correct information is reported.
Product: Debt collection

I am a victim of identity theft. I discovered it in autumn of XXXX when I tried to open a credit card with XXXX XXXX. I believe my information was stolen after my first visit to the US in XXXX and used from XXXX to XXXX to open a number of fraudulent accounts in my name. Unfortunately due to my absence in the country from summer XXXX to autumn XXXX I didnt even though that it might happen as I didnt share my personal information with anyone except employers. During this time I lived in my home country XXXX and also studied in XXXX. I have all the proofs to this. I started fixing this identity theft issue right after I spotted it, by calling to fraud departments in banks where accounts were opened, contacting all credit bureaus, filing a police report, FTC report, IRS report. I sent proofs to banks, credit bureaus. All fraud data was cleared from my credit reports and after talking to investigation teams, most banks closed these fraudulent accounts but not Citi and XXXX XXXX. I tried to contact these 2 banks numerous times, sent all possible proof that accounts are not mine. But they always resolve these not in my favor for various reasons. XXXX is stating that my name was added to an account as a secondary user, but I dont know or ever knew this person that it was added to. Neither lived on addresses connected to that account. I did provide them with all the info and police report as they requested but didnt get a note that it was anyhow investigated or resolved. I contacted them : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and send a police report around that time. But my name was not yet removed from this account. Citi went even further and started selling this account to credit collection agencies and these started reaching out pushing me to pay for something I never owed. Every investigation result they send me is the same template. The investigation team never reached out to me even after they promised me to get me with the investigator. I contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please assist, as at this point I dont even know what to do as these banks are straight harassing me with no reason for this messing my perfect credit history.
Product: Credit reporting or other personal consumer reports

XXXX removed XXXX XXXX XXXX XXXX removed it but experian and XXXX havent permanently removed the account. If you verified this account as accurate, I need to see your method of verification on how you are reporting a collection with a past due balance. If you can not provide this, please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to accurately perform dispute investigation. After information was submitted to Transunion as proof of full payment on Account with XXXX XXXX, a dispute was filed. Upon calling Transunion today the representative initially refused to provide details of dispute outcome then subsequently said that they received information that debt with XXXX was still outstanding. THIS IS INACCURATE/INCORRECT info. When asked to whom they spoke with at XXXX XXXX the Transunion rep stated that they recieved paperwork with no name, number or signature. Transunion is reporting false information on my consumer report which has negatively impacted my credit score. I see this as not only an FCRA violation. Both XXXX  and XXXX have both updated the XXXX XXXX account to paid in full. I have return receipts that Transunion has received proof that this account is now at a XXXX balance.
Product: Checking or savings account

Fifth Third Bank inherited my account from MB Financial Bank. 
They have had my accounts for over a year. A few months ago they started charging me fees that were not being charged by MB Financua Bank. They didn't have my permission, nor were they able to explain exactly how the fees were applied, just said due to my EFTs. They credited me several times and have changed my account to a {$35.00} a month fee which was supposed to stop any additional fees. This was promissed 3 months ago, yet I receive new fees evry month.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've always made sure to pay this account on time, never letting payments become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. I can not fathom how my pleas for help have been met with indifference and stony silence. The anguish and turmoil I have endured due to identity theft is overwhelming, and your bureau 's unconscionable neglect has exacerbated my suffering. These are the accounts that I'm disputing : XXXX XXXX XXXX. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Please correct these accounts XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I became aware that Eastern Account System was reporting that I missed payments to XXXX XXXX. These accounts do not belong to me. I sent a letter to Eastern Account System on XX/XX/2021, notifying them of the error and requesting that they correct the error with the credit reporting bureaus. According to the USPS, the letter was received by Eastern Account System on XX/XX/2021. I also disputed the accounts with XXXX, XXXX, and XXXX. XXXX and XXXX removed the information from my report, but I'm still waiting to hear from XXXX. Today, I was notified by XXXX XXXX alert notification system that the accounts have one again been reported by Eastern Account System as delinquent accounts. I will have to now start a new dispute with the credit reporting bureaus. I still have not received a response from Eastern Account System to my XX/XX/2021, letter, even though they received my letter over two months ago. My credit score has dropped by over 100 points.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX The Date above is when I tried to get help with this. 

To Whom It May Concern : Equifax Credit Information Services , Inc. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am writing to update/correct my personal information on file with your company. 

Please update my address to : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ). 

Please update my full name to : ( XXXX XXXX XXXX ). 

My only social security number is : ( XXXX ). 

My only and correct date of birth is : ( XX/XX/XXXX ). 

My only employer is ( XXXX ). 

I do not wish to have any telephone numbers on My report.

Please remove all the other addresses from my report, as they are not deliverable to me By the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ca XXXX Enc. Driver License, SSN Card, And Proof of Residence
Product: Credit card

I open the account with TD bank at the end of XX/XX/XXXX, I bought a gold chain from Shane Co . Didn't hear from TD bank at all no statements. In XXXX I XXXX  the phone number because I wasn't able to log in to the app ( to this day XX/XX/XXXX I still can not log in to the app ) somehow I got through and made a payment. I spoke to different people and got tranafer so much I don't remember how I made the payment. For XXXX I was expecting a statement in the mail for I had requested to get paper statements. Nothing again, I kept calling the TDBank phone number on XXXX and finally spoke to a lady she gave me my account number, told me my payment was late that it was due on the XXXX and it was the XXXX. I asked if she could remove the late fees since I wasn't aware of my payment date She gave me {$30.00} off, she told me to make a payment online. She also claims to have set me up for paper statements. I submitted the payment online same day. I was for sure that it had gone through. On XX/XX/XXXX I received a letter from TD retail card services dated XX/XX/XXXX stating that I had a past due payment. I called the number on the letter and spoke to a lady and explained the above situation. She verified that I am set up to received paper statements and told me that I should speak to customer service to insure that I received paper statements. She " helped me set up an online payment by using the ACH routing number and account number. ( confirmation # XXXX ) Which I had no idea what an ACH number was. She assured me that my payment will be out in XXXX business days. On XXXX  the XXXX I called the same number back and spoke to a lady named XXXX she told me to wait another day because it has not been XXXX full business days. I asked if she knew of another way to make a payment and she proceeded to tell me that I should contact my personal bank and set up payment. I'm confused now! I have been reaching out to make a payment multiple times and now I have to pay a late fee and have a late payment on my credit score due to lack of professionalism from TD Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint about Transunion. Their records are not updated regularly, thus they are reporting my credit score as poor.

They indicate one credit card being paid regularly, and there are two which would increase my credit score. 
I submitted a discrepancy report regarding an account I'm paying through a third party, but they do not reflect it.