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

On XX/XX/2019 I had a TD bank checking account balance of XXXX with 2 outstanding checks totaling less than 200.00, leaving me with at least 200.00+ in my checking. On XX/XX/XXXX, the automated system said I had a XXXX dollar balance. I spoke to TD bank and this is what happened. XXXX from TD Bank told me that she saw something called " deposit correction '' in my account, and that unfortunately sometimes an employee of the bank puts money in an incorrect account, and that she would e-mail her with copies of my bank statement and the withdrawing of my personal checking and savings account. She told me the person who did this was XXXX XXXX, Teleservice Manager at the XXXX, New Jersey TD Bank. To make matters worse, as I had XXXX in my account the day before, she withdrew XXXX - XXXX from my checking account, and then took XXXX from my savings as I had overdraft protection to total the XXXX. She left me in a dire situation as I could not pay my bills, the 2 outstanding checks were going to bounce so more fees, and the overdraft fee. XXXX gave me the name, number of the employee, her manager and his number, the CEO 's number, but due to it being a weekend, was unable to contact these specific people. 

She told me I should contact XXXX XXXX and ask her to refund my accounts, or talk to her manager to help rectify this situation XXXX XXXX at XXXX, and then gave me the CEO XXXX XXXX at XXXX. 

I should not have to contact anyone to solve this problem due to an internal error that they made and how am I supposed to figure all this out? And that I need to investigate their system 's internal problem. I have never heard of anyone being asked to resolve this error. She left me in a financial hardship situation as I am on Social Security XXXX and the 2 outstanding checks were going to bounce as well as the fee for overdraft protection, etc, not to mention possibly affecting my credit score which used to be XXXX. I live in XXXX, MA and my TD Bank is in XXXX, MA. I have never authorized anyone to just withdraw money from my accounts. What she did was illegal and she should solve this immediately. 

Also, by the way, since that was the exact amount of my mortgage, who I do NOT have automatic withdrawal with, I thought it was my mortgage company XXXX XXXX, so I had filed a complaint with you as I didn't know at the time it was actually from TD Bank and not XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my Coinbase account was restricted and placed under review. I promptly submitted all the requested information to address the issue, as instructed by Coinbase. Despite complying with their requirements and providing all necessary documentation, two months have passed, and I have not received any response or update from Coinbase regarding the status of my account. 

This prolonged lack of communication has caused significant inconvenience and uncertainty for me, as I am unable to access my account or funds. 

Dates and Actions Taken : XX/XX/year> : Received notification that my account was restricted and placed under review. Submitted all required information promptly. 
XXXX XXXX  : No response or updates from Coinbase despite the two-month waiting period. 
I kindly request that Coinbase provides an update on my account status and resolves this matter as soon as possible.
Product: Debt collection

i have reached out to Macys and requesting information in which i have yet to receive a response. Macys is in violation of my rights as a federally protected consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to a credit bureau. This. Credit bureau did not, send a reliable response. Personal data with. A formal letter was sent to. 

Credit bureau says not enough personal data. After sending, first last name creditor numbers in. The credit report and. A formal, letter about creditor disputes. Personal data was sent to credit bureau. Also. Theres toll free phone numbers. No one answers, until you input. In all of. Personal data in. Does not, go directly to a live person.
Product: Credit reporting

the creditor is reporting the account delinquent since 2009 which would have already get the account deleted however experian keeps it on the record by deleting the original delinquency dates.
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; US Department of Education : account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 card or prepaid card

I have direct deposit on my NetSpend card and I lost my NetSpend card and canceled it and I have been trying to transfer the amount allowed to another NetSpend account and have been trying for three days now with no success because they keep giving me a hard time and i have called a total of 14 times in one day alone and getting some recording 4 times in a row saying they could not hear me and it was my phone that was having difficulty and each time was the same voice and same exact message pretending to speak to me when it was just a recording. also they went from giving me different information each and every time i called about how much money i was allowed to transfer and each time i was getting told the amount went lower and lower at the very end i was only able to transfer XXXX dollars, which makes me feel like i am being deprived of my own earning and they have complete control over my money. in the end i asked to speak to a manager or supervisor with the last 3 reps i spoke to and each time they were hesitant and made me wait more then 45 min each time to then lose the call when being put on hold, so i decided to wait another 45 min one last time and finally i was able to speak to management which also gave me a hard time. so they went from me being able to transfer XXXX in the morning to XXXX dollars by XXXX XXXX  a total of 1 hour and 45 min i think is not fair or comforting plus they would not give me contact information on anyone above them to contact and kept telling me that they would send an email to them and i would be contacted in two days. lastly it has been more them 2 months that i expedited my order for a new card which i was charged and was to get in the mail within 2 days and never have recieved it and i have called many times about the matter each time being told that they will send a new one and cancle the last one ordered so that why i have to keep transfering money to a new card each time and being charger XXXX dollars for each transfer which is robbery when they are failing to meet my needs as a customer. this is my hard earned money and they are holding and keeping it away from me.
Product: Student loan

I got a phone call from a 3rd party Debt consolidation repayment company. They said they needed to consolidate my loans bc I work for a nonprofit business now and set up for a income based repayment plan and said my current servicer Nelnet, could not consolidate them for this purpose. I saw that my password was changed from student loans, but I have not heard and from them and it has been a week. I first spoke to a female on XXXX that evening is when I got an email from the Dept of Ed that my password changed and I had not done that. I am not getting an answer to know if my loans were indeed consolidated or not. If they were not, then I know this call was a scam and my personal information has been compromised.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XXXX AFNI, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Mortgage

My mortgage is with Ocwen currently but they just sold it to a debt collector. I am still in Chapter XXXX bankruptcy which is in good standing and was started XX/XX/XXXX. The chapter XXXX is paying back the pre petition payments and I also had 4 months of post potition payments due. To cure the XXXX months of post petition I mailed a check for the amount of {$5000.00}. This cured all post petitton requirements. This payment was made and logged by Ocwen on my XX/XX/XXXX tax forms on XX/XX/XXXX. On XX/XX/XXXX Ocwen then reversed the charge with no reason. When I called they said that they will not count this payment till the chapter XXXX bankruptcy has been finalized so they are reflecting my payments as being 4 months behind currently. They just sold the debt off to a debt collector agency who is asking that I cure the {$5000.00} plus penalties as Ocwen has not sent them record of the payment. When I checked into this with Ocwen they informed me that they have decided to retain this payment as a fee and not reflect it onto my account. They said that per the bankruptcy guidelines they are allowed to do this. When I checked with my lawyer he said that is not legal and they would have had to keep the funds in an escrow account if they decided not to post it which must be interest bearing. Ocwen informed me that they have not done this. 

Now the new company that was sold the mortgage wants me to cure the 4 months as well and when requested for Ocwen to refund the moneys they do not respond. 
I have been trying to correct this with Ocwen for years and I have a list of letters from them XXXX even stating that they corrected the issue and brought the account current but then they went back and pushed me back XXXX months again after sending the letter with no explanation. 
My loan number is XXXXUnfortunately I am now at a point where communication with Ocwen is not yielding any results and I either need my payment applied to my account or a refund plus interest so that I can cure the amount with the new mortgage holder
Product: Credit card or prepaid card

someone opened a fraudulent credit card in my name in 2020 now have a balance of {$560.00}. THIS WAS DISUTED WITH THE BANK AND TAKEN OFF MY CREDIT REPORT BUT NOW IT WAS RESOLD TO A COLLECTION COMPANY AND IS NOW ON MY CREDIT REPORT. 

NEVER HEARD OF THIS CARD OR BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I opened a dispute with XXXX to verify the account inforamtion and debt being pursued in the amount of {$1400.00} as the collection agency has reached the statue of limitation as well as the 7 year credit repair time period. 

XXXX XXXX XXXX : I recieve a letter from Jefferson Capital acknowdeging the statue of limitation and a last statement bill. However per the letter I sent, I requested more information such as the creation contract, last payment, ect. 

XX/XX/XXXX : I submitt another dispute to XXXX and uploaded the documentation I recieved as well as the letter I sent to Jefferson Capital. 

XX/XX/XXXX : XXXX updated the account to stay on record until XXXX, rather than confriming the discripency of information I requested an never reiceved. 

XX/XX/XXXX I received a pay to delete offer from Jefferson Capital for {$960.00}. 

This debt collection fraud and it has prevented me from purchasing a home and receiving high interest rates. This is negative effecting my life and would like the is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX  XXXX  XXXX Balance : {$6800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

I believe the practices of XXXX AMEX are unfair and unbalanced ( race plays a role in offering and credit limit practices ). I have been a member and have never had a late payment. In fact, I pay my credit card bill headed of time. My credit score is above 770 and I continue to have problems when asking for a credit increase. I recently asked for a credit increase from {$5000.00} to {$8.00}. They use an excuse of credit score and past due items. There are two practices being untaken by those who are reviewing the information 1. They're using old data and the information is not current and/or 2. they are Discriminating based on age, sex, and race. In-fact I believe the race factor plays a role I have a friend who has the same credit card with a credit score of " XXXX '' and he has a credit limit of {$10000.00} dollars. He is also a white male. He is the same friend who referred me to get the XXXX AMEX XXXX card. Moreover, I have less debt or zero debt on my credit report and he has used about 30 % of his lines of credit with his credit card providers. The only answer I receive when applying for a credit line is either the data their referring to is old or there is a practice of Racial  Profiling when increasing credit limits.. This NEEDS TO BE FULLY INVESTIGATED including the interest rates that are given to members based on their " score '', business type, " race  '' and business location. All or any of these ACTs are a direct violation of the Federal Code.
Product: Credit reporting or other personal consumer reports

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Credit reporting or other personal consumer reports ISSUE Incorrect information on your report
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, an unauthorized transfer of {$2400.00} was made from my Wells Fargo checking account, through XXXX to an unauthorized recipient. I received a text notifying me of a new recipient and a phone number to call if I did not add the person. I called the WF Online Fraud Hotline immediately. While on hold for 52 minutes, I was unable to logon to online banking, my online credentials were changed without authorization and the money was transferred out of my account. I had no way to stop the process and once my call was finally answered, I was told it was too late for the bank to stop the transfer.
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 NUMBER : 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 four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 accounts in my report and CREDIT BUREAU 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 collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 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: Consumer Loan

I cosigned a car loan financed by Peak Acceptance Corporation, they continued to report a loan I had with them as opened/late on my credit report. The vehicle was repossessed back in 2013 and has charged my account over {$3000.00} in interest without any statements being sent to me. I have disputed this information through XXXX and have not seen any changes on this loan information.
Product: Credit reporting or other personal consumer reports

REINVESTIGATION REQUEST NOTICE XX/XX/year>. 
XXXX XXXX XXXX HAS COMMITTED IDENTITY FRAUD AS A HIPPA VIOLATION BY ILLEGALLY AND FRAUDULENTLY ACCESSED MY PERSONAL INFORMATION FROM XXXX XXXX ( ACCOUNT XXXX ) AND SHARED IT WITH SEVERAL 3RD PARTY ENTITIES INCLUDING XXXX, XXXX, AND EXPERIAN. 
NATIONWIDE RECOVERY SERVICE HAS VIOLATED MY RIGHTS BY COMMITTING IDENTITY FRAUD!!! ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 15usc 6801 Protection of Non- Public Information. 15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 1. XXXX XXXX making me aware that they will disclose my information to a non-affiliated 3rd party. 2. XXXX giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 3. The financial institution giving me an explanation how to exercise the non-disclosure options. 15 usc 6802 Disclosure of Institution Practice Policy
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to notify the credit bureaus AGAIN that I was a victim of identity theft and that I would like these bogus items removed from my credit file as a result of the claimed identity theft. CREDIT BUREAUS is obligated by FCRA 605B ( 15 U.S.C. 1681c-2 ) to REMOVE any items specified in Identity Theft. HERE IS THE LIST OF ITEMS THAT I WANTED TO REMOVE AGAIN! 


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

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME. ATTENTION I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, XXXX, AND TRANSUNION CRA & # XXXX, XXXX. On XX/XX/2020, I MAILED XXXX, TRANSUNION AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTIFY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND OR FAILED OR REFUSED TO BLOCK USAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INVESTIGATION FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Product: Student loan

My student loan is serviced by Mohela. My acccount has been in good standing with my payments made timely. In XXXX I received the communication from Mohela that my loan is now paid in full. I am told that within 3 months this change in amount owed would have been communicated to the 3 credit reporting services. I keep checking and the amount is still reported to the credit report services even at this date, XX/XX/2024. The balance, which still appears on my credit report, negatively affects my credit score and so I would like to know how soon Mohela will report the updated information so that my credit report can accurately reflect the true picture.