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

I am a victim of identity theft. I have never opened any bank account or had any loan from any bank nor financial institution. Please see identity theft affidavit.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX XXXX is supposed to ensure MAXIMUM ACCURACY This account violates these laws 15 USC 1681i 15 USC 1681s-2 15 1681i 5 15 USC 1681e ( b ) Delete Hard Inquiries and Soft Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. Its been over XXXX  months since I sent a letter to yall about severals on my report. I have been waiting for your response since I sent my dispute letter on XX/XX/2022, but it seems my letter has been ignored I am not sure if it has something to do with my race, but I was told by a financial expert that I can file a complaint on several agencies should you continue to ignore my letters. I'll be waiting for XXXX  days from now to see if there will be any changes and will take my next step after that. Thank you!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit.
Product: Debt collection

National credit system XXXX XXXX XXXX {$4500.00} XXXX Initial call me to inform me of this debt. The reps stated that if I pay 50 % before XX/XX/XXXX I will be a pay and delete. I asked him if I can not find the funds within that timeframe and if the company offers the same thing in the future, will it be paid for delete. He stated yes XXXX Initial call me to inform me of the same offer. This time he stated that he never said that on XX/XX/XXXX. I asked for the voice recorder from our calls to confirm it. He got very angry on the phone and send me to his manager 's voice-mail. Left a voice mail, and never received a callback. 

XXXX initial call me for the same package deal. Told him that I waited for the voice recorder from XXXX to confirm that he told me that I can pay {$2200.00} for payment for deletion. Once again, he got very aggressive on the phone and send me to the manager. Spoke to him briefly because he immediately hang up on me when I tried to speak to him on a civil matter. I'm just trying to request the recorder from our previous conversation to confirm what has been told to me. They're being hostile and I want to resolve this matter and move on.
Product: Mortgage

TD Bank failed to provide timely and accurate information regarding the mortgage process. Further, TD Bank stopped responding to e-mails or requests for information once we expressed concern about the misinformation that was provided and their latency. XXXX examples include : ( 1 ) When we completed our mortgage application, the loan processor referred to the new law but assured us that TD Bank could complete the mortgage process in 45 days. Additionally, the TD Bank website states that " generally, your mortgage will be ready to close in 30-45 days. '' Although our closing date was scheduled for over 45 days from the start of the process ( and we provided all requested information in less than 24 hours of the request ), TD Bank did not complete the mortgage process by the closing date and did not inform us of their processes with regard to the new three-business day rule for us to have the Closing Disclosure forms. In fact, TD Bank did not inform us that we would not be able to close until 1 business day prior to closing. This poor communication resulted in financial loss to us because we had already transferred utilities ( costs not yet known ) and paid for city parking for the moving truck ( {$60.00} cost ). 
( 2 ) TD Bank failed to inform us of the option to receive mortgage disclosures electronically. We learned of the option when it was time for us to receive our Closing Disclosure ; however, TD Bank would not allow us this option because we had not opted for this option at the start of the process. TD Bank acknowledged that they did not inform us of this option at the start of the process, but said the law did not allow us to opt in late in the process. TD Bank refused other options that appear to be allowed by the law ( e.g., e-mail or fax ) and insisted we wait for regular U.S. postal mail. The failure to inform us of the electronic option or allow for other avenues resulted in financial loss because it further delayed the rescheduling of the closing date. 

TD Bank appears to need more guidance on how to implement and communicate about the new law to customers. Different associates provided us different information ; we remain uncertain which interpretation is correct or what it will mean for us. We will be submitting more information to TD Bank directly on our experience, but thought it prudent for future customers if we shared our experience regarding TD Bank 's handling of this new law.
Product: Credit card

I've had a credit card ( TD Cash ending in XXXX ) since at least XXXX. Attached is the oldest statement that TD Bank will provide for the card. I joined the XXXX, XXXX XXXX, in XXXX, XXXX. I reached out to TD Bank ( as well as other banks ) about applying the lower interest rate I'm entitled to under SCRA, in XX/XX/XXXX. 

There is no public email, address or phone to call to claim these benefits, send documents to, or anything of the sort. I called their costumer service line and they told me I needed to physically mail them a letter with my credit card information ( all the numbers ) as well as attach a copy of my orders. I did that, and it has been close to 13 months and the interest rate is still the same as it was before I joined the XXXX. 

I've attached a redacted copy of my letter to TD Bank, a copy of my orders, a Status Report from the official SCRA website, and my latest credit card statement from TD Bank showing the interest rate being at 24.49 %
Product: Debt collection

can a bank refuse credit based on their own information or do they have to rely on the credit report?
Product: Bank account or service

Ditech Mortgage held my personal mortgage check ( mailed out the end of XXXX, 2015, for the XXXX XXXX, 2015 mortgage payment ). On XXXX/XXXX/15, when I called and they were unhelpful and clueless when I told them I mailed it in and transferred me to different people in customer service to keep telling my story over & over again. I got no advise so I said I would pay it online to have proof of my payment. The next day, XXXX/XXXX/15, XXXX mortgage payments were taken from my checking account, the check payment and on-line payment. They were holding my check at someone 's desk at Ditech and cashed it when I called in. I want my {$12.00} fee payment back that I was forced to pay online. To require someone to make XXXX mortgage payments in one month does not appear to be legal.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX  Balance : {$230.00} XXXX XXXX XXXX XXXX. XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased XXXX worth of Tether on the Coinbase app. 
I then had Coinbase to wire the Tether to a trading platform : XXXX  XXXX On XX/XX/XXXX, I learned that the website was a fake trading platform. Very sophisticated, but fake. I had done previous trades and money wires the week of XX/XX/XXXX from this very same platform/website, so I thought the trading website was legit. 

After wanting to withdraw my money from the platform is when they showed it was a scam. They would not release my initial deposit. 

I contacted Coinbase, this was the response : they knew who the money went to and had the blockchain information. They said I should always know who I'm sending my money to and that they could not help me get my money back. 

Signing up with Coinbase, I did not know that I would be able to send my tether or bitcoin to a fraudulent person or company. I felt protected and did not know fake companies could sign up to do business with Coinbase. As a consumer and customer of Coinbase that is based in the US I had no doubt that they would not protect my virtual currency. They are the experts not me, I had no idea anyone could claim to be a trading website and receive monetary transfers from legitimate companies like Coinbase. Coinbase is assisting with money laundering scams and fraud. 

Now the trading site has been taken down. None of my money has been returned. 
I have contacted government agencies and no one has responded with any helpful plan of action. Its very unfair and wrong.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my accounts. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my accounts to reflect the accurate payment history. They explained that they sent the statement to the wrong address that caused the late payments to be incorrectly reported. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

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

I am concerned that Bank of America is not treating all of its customers equally. I chatted with a supervisor named XXXX on XXXX/XXXX/2016 employee id XXXX. I asked if I could get the late fee waived as a courtesy, I realized I accidentally made two payments within one billing cycle, after I realized the error I promptly made the payment. I chatted with BOA to explain the situation and asked that it be waived as a courtesy. XXXX stated it could not be waived as a courtesy due to my terms and conditions. I reviewed my terms and conditions while still in the chat and advised there was no mention of the fee being nonrefundable. He finally reviewed the terms and stated well it does n't have to say nonrefundable, I am not waiving it. I then asked if this is the policy for every customer and he stated it could be waived if I had a major life event. What is a major life event? Who decides if what is currently going on in my life is huge enough to qualify as a major life event? He stated it was maybe a newborn or a life event that caused me not to make the payment on time. I facetiously told him that I had a baby. He said congratulations call the customer service line explain it to them ad see if they will waive it. That brings up another issue, should n't all representatives of BOA give the same information? If this rep is willing to do nothing for me and waive a fee for someone else, how do I know that it is not based on discrimination. If he is so adamant that a fee can not be waived, why is he encouraging me to call and ask that it be waived. I also got the impression from him that BOA would just make up rules as we went along. I even asked several times are you stating that BOA does not do courtesy waivers, he just kept saying per your terms. If there is nothing in the terms I received when i received the credit card, stating courtesy waivers are not allowed and other people have received courtesy waivers, what makes my account so different?
Product: Debt collection

I was served more than 6 years ago and then the debt was renewed after I made a settled amount with the original creditor for 3 times what the original debt was. I made contact with Budget Control Services to get further information, XXXX XXXX was very abrasive and rude. I provided them with all my documentation, offered to settle with them immediately and got no where. I forwarded the information to our attorney and financial planner and they were bewildered as to why they wouldn't settle. Then, my husband was served with a wage garnishment. Again, I called and offered to settle and they gave me a completely different amount than what the garnishment was submitted for. 
I told him, again, that I was going on the advise of our attorney and he stated " Your attorney is an XXXX and needs to go back to school to learn to read and write. '' I asked for a supervisor because I was done speaking with him. He responded " No! I'm done with you! '' and hung up. I finally got a hold of a supervisor and am still trying to work this out with him as I am still getting a different story every time I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to access credit karma, and use my credit for lively things. However, im always met with a block on my information. I can not see my credit score, apply for a card, or open a phone bill. Ive called a few bureaus in the past but im not sure what the issue is. I have moved apartments, that may be significant. Im really trying to get to the bottom of the issue because its inconveniencing my future. I do not know who to call or ask to fix this issue but it has been going on for months.
Product: Payday loan, title loan, or personal loan

I 've been struggling financially due to health issue and XXXX. I got an loan with Atlanta Check Cashers and agreed to {$25.00} as a payment to bi-weekly. I was late on payment and asked if I could skip a payment and pay when I can borrow money to cover skipped payment. They agreed and I thanked them .The next pay period {$25.00} was deducted .I noticed that I was charged late fee {$10.00} from a text that was ok but It was never told that it would be a recurring fee monthly. I was charged {$40.00} for car insurance and I do n't have a car I told Atlanta Check Cashers. The contract states that to contact company before 3 days .This pay period XXXX/XXXX/17 Atlanta Check Cashers deducted the agreed {$25.00} and an Unauthorized payment of {$95.00}. I called and customer service said " You Did You Did authorized when you gave us consent to withdraw {$25.00}. '' I did not authorize double payments.The payments came from two different transactions now my other bills are behind due to this unauthorized transaction from Atlanta Check Cashers on XXXX in the amount of {$95.00}.
Product: Credit card or prepaid card

XXXX XXXX XXXX Unverified XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!!! 
Under, 15 U.S Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INTENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

After the investigation, they say some accounts come back verified. I want to know how they came to this conclusion
Product: Vehicle loan or lease

I purchased my car from XXXX XXXX XXXX World Omni, in XXXX. I did a voluntary repossession at the beginning of XXXX. The car was still Outstanding condition and was sold by world Omni after the repossession. With the car being sold, They did not apply any proceeds towards the outstanding balance. World Omni Has failed to correct the reporting for over XXXX XXXX years And continue to report incorrect balance, Past due payments Altogether incorrect information.
Product: Debt collection

After reviewing my consumer report, I've noticed multiple inaccurate derogatory marks added by Transworld Systems. I've attempted twice to obtain valid verification from this company but to no avail. I wrote this company on XX/XX/2022 requesting that they please provide any and all original documents bearing my signature, provide dates of services, and to please provide me with any and all persons they've verified this information with. In respondents, the company sent a few fabricated documents, which were unresponsive to my demands. The company name isn't on any of the documents sent, there were no contracts bearing my signature and or specific services done, and there were no personal signatures proving those documents are ( 100.00 % ) verified. Also, they've stated that the derogatory marks were charge-off which is false because they're listed on my consumer report as collections. I wrote them a second time on XX/XX/2022 and their response was the exact same documents. At this point their being very negligent and have violated my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and TransUnion after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous account on my credit report which is misleading to me. I sent a letter to XXXX and TransUnion on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that this account will be corrected. 

XXXX  ONE XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

" I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding several disputed accounts on my credit report. I have previously raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account number XXXX Date opened XXXX XXXX, XXXX. I have attached errors in this information reporting on my credit profile. This information is incorrect and shouldn't be reporting. I have contacted you several times about this and you continue to violate my rights by reporting inaccurate information.The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.