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

Since XXXX, my payments to TD Bank ( XXXX XXXX XXXX XXXX Acct ) have been purposefully misapplied by TD Bank during the no interest promo period for two promotions expiring XXXX and XX/XX/XXXX. I have consistently paid more than my minimum due with the explicit direction to apply the overage to the XXXX and XX/XX/XXXX expiring promos. TD bank reps advised and confirmed they would apply my over payments as such and they have not. Ask them to provide the recorded conversations from the call center. They are applying the extra to all promos and this is incorrect. All payments over the minimum I was advised numerous times that the customer can apply to specific promo balances. After numerous calls to customer service and an email to " escalation management '' the saga continues to force me into being subject to higher interest rates based on its refusal to provide payment reconciliation and avoiding addressing the issue by conflicting messages by customer service reps/supervisors. Today alone, I was the phone for over an hour and transferred to 4 different persons and no one has answers. Customer service reps and supervisors now allege there are " bank laws '' that preclude them from correcting the mistakes. When I asked for the bank law citation or rule in the agreement, they refuse to substantiate the bogus reasoning or provide relevant references. This baffle them with confusion and hope they go away tactic is unacceptable and is an example of deceptive trade practices. 
Please help me resolve.
Product: Credit reporting or other personal consumer reports

I have multiple hard inquires on my report that I did not authorize. See attached report. Please remove the hard inquires and send me an updated credit report.
Product: Mortgage

Since my XXXX was removed from foreclosure in XX/XX/XXXX, US Bank information re : the LOC account has been flawed with errors. 
I have written numerous requests to the executive team and others to clarify account foreclosure claims provided by their customer advocacy team and Loss Mitigation mgr. To date, my loss mitigation application which I submitted several times because USBank was not receiving them. In XXXX, the complete loss mitigation application was in the bank 's hands & expected to take 30 days to be completed. I'm still have not received an answer to my application which is nows in " underwriting reviewing '' per the US Bank system. XX/XX/XXXX is the date the application expires if a decision is not rendered. 


I contacted US Bank on XX/XX/XXXX to modify my 2nd mortgage, however recent events give me serious concern they intend to foreclose on my LOC. The indications of this are a recorded Substitution of Trustee ( no notice given to me ) and no response from the US Bank mgr. who was my point of contact. In recent calls with her, she has been evasive about the decision on the loss mitigation application and the follow-up on the claims of foreclosure. When I brought up removing the mysterious foreclosure, she brought up a XX/XX/XXXX foreclosure which was canceled. I informed her that the XX/XX/XXXX foreclosure was canceled. She claimed to not know anything about that. Though she was concerned if I had a letter stating that USBank pulled the LOC from foreclosure. In XX/XX/XXXX, US Bank started foreclosure on this loan. I requested US Bank to Cease & Desist the foreclosure because I received no notification due to a glitch in their system. US Bank affirmed my request and removed the recorded XXXX and began the loss mitigation process. That process did not finalize before XXXX. After the forbearance period, I had a # of loss mitigation applications never reached US Bank misplaced when mailed, faxed or uploaded. US Bank could not explain the lapse and reminded them about the previous system glitch. My loss mitigation application was finally received and processed on XX/XX/XXXX. A US Bank rep called to let me know there was a problem with my because it had an electronic signature. I immediately sent the app in w/ my authentic signature. Later I got a letter saying the application was closed because it lacked an original signature. Again, it took several requests to get the new loss mitigation application as well as a reinstatement request. In XX/XX/XXXX, I emailed the executive team to request their assistance in getting someone to follow through on modifying the LOC. I also escalated a complaint about the erroneous foreclosure from XX/XX/XXXX. To date, no one has responded to my request for information on the foreclosure. At this point, US Bank has recorded a substitution of trustee, my point of contact has not responded to my phone calls or emails in over a week and the file according to Loss Mitigation shows underwriting is reviewing. If my conclusions are correct, US Bank in my opinion has not proceeded in good faith. I enlist your help to continue the Loss Mitigation process with US Bank.
Product: Money transfer, virtual currency, or money service

Well to start XXXXt sent money to PayPal and I'm not sure how that happened I didn't have an account with PayPal nor did I want one so I went to with draw my money an the account had a limitation put on it and if I recall I did not recievr an email telling me why an then the next thing I know they had a 180day limitation put on so I waited 180 days no email so I call PayPal they didn't give me any reason why no email then the next thing I know my account has me locked out so I call PayPal they tell me there is nothing they can do or tell me that I have to wait for an email so I've waited 3weeks an still no email an there help line still can't do anything so I don't think this is right the amount is XXXX dollars that they are holding an I need the money for bills in this time of the pandemic that we all are having to endure so I'm hoping you can get me some information to what is going on and if I will get my money or if I have to take further accion or if I will get my money at all I've read dozens of complaints about PayPal people having the same problem an them getting no were an not receiving there money after a180days so it has me very worried that I will be in the same boat as them this isn't right what PayPal are doing to all these people whom have there money in a PayPal account or what ever it is PayPal considers them selves so thank you very much in your helping me with my delima. will be waiting to here from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to retrieve EQUIFAX or XXXX CREDIT REPORT report via XXXX XXXX XXXX
Product: Debt collection

I had a credit card debt for XXXX XXXX Bank XXXX In XX/XX/XXXX I was contacted by XXXX XXXX XXXX and I sent them a payment and settled by debt. I received a paid in full letter. Since then, I have received XXXX more additional contacts from creditors. Today, XX/XX/XXXX I was served by a sheriff for a complaint. I have contacted the offices of XXXX XXXX XXXXXXXX XXXX to notify them that I have paid my debt and provided a letter. I gave this letter to the other 3 companies and they said that they would see that this matter is settled. 
I had only XXXX ( XXXX ) account with XXXX XXXX and I am not sure how to resolve this.
Product: Credit reporting, credit repair services, 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 : 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 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 or other personal consumer reports

Dispute of Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). The account in question is associated with opened on XX/XX/year>, for the amount of {$440.00}. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. According to the FCRA, all information reported to credit reporting agencies must be accurate and complete. The failure to report the correct payment status violates federal law.

Additionally, the UCC mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. Given these violations, I hereby demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you can not provide accurate reporting. Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it
Product: Debt collection

On XX/XX/2017, i made a payment to credit collection services on XX/XX/2017 in the amount of XXXX. Then i made a payment arrangement for the company to collect XXXX every month from my checking account. But as i looked at my bank account, the compsny doubled the payment and made two attempts to collect XXXX in XX/XX/XXXX and XX/XX/2017. I called credit collection services on XX/XX/2017 on the recorded line and I told the rep that they are deducting more than what i agreed to and that it made my account overdrawn. The rep looked in the notes and saw where the extra XXXX was coming out. And it showed in her record that only XXXX dollars supposed to come out and stated not XXXX was to come out my checking account. She stated the the company would reverse me the difference and have someone to call me Monday. But today is Tuesday and no one has called me, so i decided to file a compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received a credit alert from XXXX XXXX indicating the following notification verbatim ( dropping my XXXX  credit report by XXXX points ) : Balance Decreased : XXXX XXXX XXXX account was closed - Between XX/XX/2023, and XX/XX/2023, your XXXX XXXX XXXX automotive account appears to have been closed. 

Note : Upon initially contacting the creditor to confirm that in fact, my account is open and in good standing, I was advised that I needed to resolve this with the credit reporting agency to which I replied, NO your the creditor responsible for the misreporting of my account status impairing my credit rating and then asked for a manager to which I was transferred and formally filed a complaint with them along with a request to correct the reporting as I will not get back my XXXX points once its inaccurately reported. Nobody was able to provide me with details or verify the misrepresentation, and from my personal perspective FRAUDULENTLY misreported the current status of my account impairing my credit report by XXXX points. The only thing the representative I spoke with said was she would forward my complaint to their credit resolution department for further investigation and that I could call back in a few days to discover the status of the complaint. Concurrently, they also reported the following contradicting their misreporting of the account being closed as follows : Payment History Changed ( Positive ) Nice! It looks like your payment history was updated or corrected. The more one-time payments you have the better. 

My Complaint : Misreporting/misrepresentation of account status that is conflicting. While they incorrectly reported the account closed - decreasing my XXXX credit rating by XXXX points their contradicting notice of positive payment history did not increase or correct my credit score. 

Contact for XXXX XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard inquiry to my credit report that I did not authorize
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 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 : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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: Checking or savings account

I was in the process of making a partial payment to another party for a hotel/timeshare reservation. Upon the funds being pending/withdrawn I found out I was part of a SCAM. I contacted my back to see what could be done. Funds were sent via XXXX and they had informed me that my dispute wouldn't fall under any of there 4 categories. The only thing I could do is a small claims. My dispute is for {$250.00} that was withdrawn from my account on XX/XX/XXXX and now it's just gone. I guess hard lesson learned but sad that the bank couldn't do anything to help or look into it! Thanks.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX 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 went to a XXXX XXXX  and asked for my XXXX XXXX XXXX a week before the payment was to be late and told them I wanted to pushed back at the end of the loan, they said it was done and it wouldnt report late if I were to pay it, so I waited until I got paid again because of Covid and paid it. However its showing a late payment is on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/2018 I am being hit with a hard inquiry I never authorized said Inquiry from XXXX. I never signed any paper or document allowing them to run my credit. I would like this removed from my file. Unless further proof can be shown. I have no knowledge of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report and noticed Bank of America placed private information about an account I have with them on my consumer credit reports. Per XXXX5 US code 1684 and 15 US code 1681b from the FCRA, the law clearly states : In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. Meaning, if you havent received written instructions from me, THE CONSUMER, to put an account on my report, it should not be there. This is a violation. I never gave written instructions to furnish any of the following accounts on my report : XXXX XXXX ( Collection/chargeoff ) Secondly, according to 15 USC 1681, the law states : Accuracy and fairness of credit reporting. The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The following accounts are inaccurate and are in clear violation of my privacy which is a violation of the law. This is damaging to my reputation. As the consumer, I demand the following accounts be deleted from my credit report immediately. 

XXXX XXXX ( XXXX ) As the consumer, I did not give any written instructions to have this account reported on my consumer report. I have not given this creditor permission to put this account on my consumer report. They have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft pursuant to 18 USC 1028A. They have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
15USC 1681 ( a ) ( 4 ) A consumer has the right to privacy 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. 
They are in federal violation of my rights, as a federally protected consumer who has the right to privacy. In addition, I demand to have a copy of my updated consumer report once the deletions have been made. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase.Inc a couples months ago and I have transferred some funds from my XXXX XXXX XXXX. 
Basically, with coinbase account you can log in to XXXX ( Company under coinbase ) and I have done a few transaction with both account. 
On XX/XX/XXXX, I tried to log in to my XXXX account and my account got suspended for no reason, there is a message says " ATTENTION REQUIRED! TRADING FUNCTIONALITY HAS BEEN TEMPORARILY SUSPENDED ON YOUR XXXX ACCOUNT.IN ORDERTO RESTORETRADING FUNCTIONALITY, PLEASE CONTACT XXXXXXXXXXXX ''. So I contacted coinbase support team by sending in a support tickets and they reply me an email says that they have received my request and are working on responding asap. Since that I waited for a few business days and still did not see any response, so I call them on XX/XX/XXXX, the representative says that he did not know what is going on and will escalated my case to their subject experts to resolve this issue, and right after that I received an email says that it will take 4 to 5 days to solve this issuse. Since that I did not hear from them anymore and I tried to contact them by sending support ticket and by calling them, the answer i got was to call back some other time due to high volume of calls. 
I have around 20+ thousand USD in the account. 
They have provided me a case # XXXX
Product: Credit reporting

I contacted XXXX to let them know I was moving in with my daughter and that she already had an account so I could n't continue with mine. They told me to return my equipment to them and that they would waive my early termination fee because not only did my daughter have an account but I also had another account at my other home which I closed and paid an early termination fee due to going thru a divorce. 
a few months later I got a bill for the same exact amount due which was XXXX dollars and change so I called them and they assured me that this was to cover shipping fees on my returned equipment and that if I would pay it they would make sure there would be no negative information for my account. 
Next action I saw was that it was reported to Transunion that I owed {$290.00} to XXXX. I called the collection agency and they said they could do nothing about it and the only way to get it removed was to pay the amount shown. I asked them to verify this as it had to be a mistake and they hung up on me. XXXX was the collection company listed on my credit report for XXXX. I also called XXXX and they assured me that they would get it removed as I owe them XXXX but it has been over a month and nothing has changed. I am attaching my live chat with XXXX today again confirming that I owe them nothing. so please make this collection agency and credit bureau stop reporting that I owe money. 
my insurance has gone up and I am trying to buy a home so please assist me in this. 
I had a hard time saving the chat so I attached it in XXXX formats so hopefully XXXX is legible. Thanks much. 
XXXX XXXX XXXX XXXX or work # is XXXX XXXX. 
I can be reached from XXXX till XXXX Monday thru Thursday at the work number.