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

XX/XX/XXXX and XXXX, 2023 I opened XXXX XXXX cds with TD Bank. 
At maturity I wanted to close them and have funds go to my bank account. There was no way to do this online. I received an email telling me there is a 10 day grace period and could go in person or call to make changes. 

I called during the grace period and was told I had to go in person to make any changes, I no longer live in a market served by TD Bank and am currently out of the country for the winter. They said I could get a notarized letter but the details on how to close in this manner were vague and no one knew exactly how to go about it ( just send a notarized letter ). 

I will not be able to get a notarized letter in time to prevent the renewal, they said they already renewed ( although I am still in the grace period so I don't know why that is the case ). I am still trying to get complete details on how to prevent another renewal by getting a notarized letter when I am back in the US. 

No where on the TD website does it say you must go to a branch to make changes or close your CD. It simply states you will have 10 days to do so. The email they send about maturity states the following ( copied directly and shown in attached documents ). 

Knowing I do not live near a TD Bank I never would have opened these CDs if I had to close them in person. 

You have two options : 1.

Explore different CD rates or terms. Visit your nearest TD Bank or call us at XXXX to choose the option thats right for you. We're here to help by phone Monday through Friday from XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX. 

Do nothing. Your CD will automatically renew into another CD with the same term length. However, the rate you receive may not take advantage of the best rates available and may be lower than your current CDs rate.
Product: Mortgage

We had a 5 year balloon payment with TCF National Bank. It expired in XXXX 2016, and my wife and I signed a Maturing Closed-End Loan Modification Agreement on XXXX XXXX, 2016. 
TCF still bills us at the old rate, saying that we are now {$2200.00} overdue in our mortgage payment. We are not overdue. Every payment has been paid on time and for the new amount. I have called TCF and they do nothing to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A few months ago XXXX XXXX sent a debt for my final bill of about {$42.00} to the XXXX XXXX XXXX and I paid it immediately and I will attach receipts below. Not long after that they also decided to use another collection agency Associated Credit Services to collect an even bigger debt of {$230.00} when I already paid. When I emailed them showing the proof of debt paid they told me to contact XXXX XXXX and when I did I was told someone would call me and nobody did. This debt never shouldve been on my credit report and I need it removed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 

I will take any answer that is not a DELETION of these accounts as negligence by you! I have been in communication with you all for way too long for these errors to still be on my report! My next step is lawsuit!
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX - XXXX 2. XXXX OF XXXX - XXXX 3. XXXX XXXX - XXXX 4. XXXX XXXX - XXXX 5. XXXX - XXXX 6. XXXX  - XXXX 1. XXXX  - XX/XX/XXXX 2. XXXX  XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

An fraudulent account was opened with XXXX XXXX  back on XX/XX/year>. This account was opened without my consent nor knowledge. My identify has been comprised. I have already informed all three bureaus ( Experian, XXXX, and XXXX ). I have provided the creditor as well as the reporting bureaus with information showing the account was opened fraudulent. These reporting agencies and creditors are not investigating this error correctly. All three credit bureaus deleted the account now its back saying it was verified. When I know this is inaccurate and not my account. Even information used to opened this account was incorrect.

This is ridiculous that I have to file a complaint to get this properly investigated and removed. I am highly upset that XXXX even let someone open this account. Please investigate and remove this account as it is destroying my credit history or I will have to seek legal action against XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of a divorce the court ordered my my ex-spouse and I to split the mortgage payments from XXXX  XXXX XXXX on the house 50/50. Several late payments appear on my account due to her negligence and becase of this judgement by the court. I made all my payments on time but my ex-spouse did not. I am required to follow a court order or be held liable in contempt if I do not. But this court order is not recognized by XXXX XXXX XXXX and both parties are still responsible for the loan and collections. After there investigation it was determnined that the bank was not in error in reporting the late payments and they will remain on the account because it was a joint loan and we are both liable to ensure the full payment is received on time no matter what the court order states.These payments are the only late payments on my credit report for any and all accounts held be me. I filed disputes with XXXX  XXXX XXXX as well as all credit reporting agencies and provided bank statements showing my on time payments as well as the a copy of the court order. XXXX  XXXX XXXX still maintains its stance that no matter what the court order says both parties are ultimately responsible for payment of the loan. Banks use court action to enforce payments of debt owed but do not recognize court orders they did not initate or were direct party of.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from citi on XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. XXXX XXXX and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from XXXX and XXXX that the debit was valid and would remain on my credit. XXXX  removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( XXXX XXXX XXXX XXXX XXXX ) at my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/2021, I disputed FIVE DIFFERENT XXXX XXXX REPORTS ACCOUNTS, and XXXX XXXX REMOVED THE REPORTS a few days later ; however, Early Warning Services Answered ONLY ONE OF THE FIVE DISPUTES. Early Warning Services assures they sent the FIVE XXXX XXXX answers more than one month ago, but I have NOT received FOUR ANSWERS. Early Warning Services says This is BECAUSE THE POST OFFICE IS RETAINING THE LETTERS. Then, I requested an appointment to go to pick up the letters, and some hours later DENIED TO HAVE HAD AN APPOINTMENT FOR ME. Since ALL THIS PROCESS IS SUSPICIOUS, I request an appointment to pick up ALL my answers. I ALSO REQUEST EARLY WARNING SERVICES WRITE COMPLETE ACCOUNTS NUMBERS, AS WRITTEN IN MY REPORT, AND ACCURATE ABA NUMBERS, AS WELL. Thank you!
Product: Credit reporting or other personal consumer reports

My credit report contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureaus, have already removed this late payments from this account from their records due to an unidentified error. I am perplexed as to how you have verified this account while the other bureaus have updated it and the bank also approved of updating the status of the account to closed never late after I talked to them on the phone. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

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

I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. 
Account Name : XXXX XXXX Late payment reported on ( ). Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. 
Please remove the late payments that were posted without my consent to opt out of having them report to a third party. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help with this matter,
Product: Debt collection

SANTANDER CONSUMER USA Last reported XX/XX/2020 {$15000.00} Reported balance
Product: Debt collection

I am a victim of identity theft. The following accounts were opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " DPT EDXXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 


DPT EDXXXX XXXX Balance : {$2200.00} DPT EDXXXX XXXX Balance : {$3700.00} DPT EDXXXX XXXX Balance : {$2200.00}
Product: Credit reporting or other personal consumer reports

You were notified by mail on 2 different occasions that you were reporting wrong payment history for account XXXX XXXX XXXX. It has been over a year since my initial letter in XX/XX/year>. I have attached a Bill of Particulars due to your negligence in responding to my disputes for over a year and the FCRA violations. Payment is to be remitted to the address on the invoice. Please see the attached dispute letters which is dated, and time stamped.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXXXXXX XXXX  XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; Accounts : XXXX Account Number XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX  XXXX  Account Number XXXX, XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX  XXXX Account Number XXXX.
Product: Credit reporting or other personal consumer reports

Urgent Follow-Up FCRA Violation by TransUnion/Equifax I understand that TransUnion/Equifax has been given 60 days to respond. However, under FCRA 611 ( a ) ( 6 ), they were required to provide dispute results within 30 days, and they have already failed to comply. Additionally, under FCRA 611 ( a ) ( 7 ), they were required to provide the Method of Verification within 15 days, which they have not done. This delay is causing me financial harm.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices. Their dispute process is unfair and deceptive and have charged me inaccurate fees with a business account. They did not take effective or timely measures to protect my account and information. These actions have caused significant inconvenience and financial loss. I seek appropriate measures for resolution.
Product: Mortgage

Since my first complain in XXXX XXXX, NationStar Mortgage is asking for documents after documents. I have provide all documents they asked for but still they 're telling me that my file is under review for modification, anytime I call them. 
Please note even I have foreclosure sale date scheduled for this coming XXXX XXXX XXXX, they are still declining to postpone the foreclosure sale date. 
Please help me, I do n't want to lose my house, Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from XXXX XXXX XXXX Opened XX/XX/2019 have just reported on my credit report for a debt collection. I reached out to the agency and I did not get my problem solved. As I stated my report has a fraud alert to show creditors that they should verify my information before giving services. It is evident that services had been made in my name without my permission which is considered fraud/identity theft.
Product: Credit reporting or other personal consumer reports

I had a {$27000.00} debt placed on my credit report by the XXXX XXXX located in XXXX Tx back in XXXX  it should not of been placed because i have supporting documents from court judgement stating i owed a XXXX balance so i already had this removed from my credit report but the incident caused me to be homeless for several months and when i did find another place it resorted in me having to pay a {$5500.00} deposit and also 6 months ' rent upfront due to me being high risk for owing such a high amount of money to an apartment complex so i am asking that the management company reimburse the money back to me for their negligence
Product: Checking or savings account

In XXXX of XXXX Wells Fargo approved XXXX reoccurring charges to my debit card that resulted in my account being accessed XXXX overdraft fees totaling {$100.00}. In the past Wells Fargo denied the payments which did not result in me being charged an with overdraft fees. I contacted Wells Fargo by email about what had occurred and received a response XXXX weeks later stating that the matter was under investigation. The investigation resulted with the overdraft fees being credited back to my account. Today XX/XX/XXXX I received an email saying that my account is overdrawn, I had forgot to cancel one of the reoccurring charges. I know this will result in an overdraft fee for something that should have been declined.
Product: Debt collection

I am a victim of identity theft. I informed all 3 credit bureaus about accounts being opened in my name in 2017 until now. I have repeatedly asked the credit bureaus to remove all erroneous accounts such as rental debts, etc and they have refused to do so. Each time I ask them to investigate these alleged accounts my credit will update immediately within minutes saying verified/remains on credit.
Product: Credit reporting or other personal consumer reports

After pulling all 3 of my credit reports, I noticed a Charged off account from State Employees Credit Union. I reached out about no knowledge of the account, NO help. I disputed it several times and they keep " verifying info '' I'm confused as to what info and how if I never had this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally challenge the accuracy of the information reported on my credit report, specifically regarding account : Prosper/Coastal Comm XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, Acct : XXXX. As I was reviewing my credit report I noticed on XX/XX/year> a 30-day late of which I am never late on the payment ( s ). So I called XXXX XXXX to remove it and they have not removed it yet. I called back and spoke with a supervisor by the name of XXXX in customer service and she directed me to XXXX as she has exhausted all her efforts to help me. 
I believe the information violates my rights under the Fair Credit Reporting Act, specifically 15 USC 1681e and 15 USC 1681i ( a ) ( 1 ). According to these regulations, all information provided by credit reporting agencies must be 100 % accurate across all the reporting agencies.

I request the 30-day be removed and reflect paid on time.

Please investigate this matter and provide me with the results of your investigation reflecting payments and statements of your investigation within 30 days which is required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is close but and not mine and still on my report and I need it removed and I also have inquiries.
Product: Credit reporting or other personal consumer reports

I didnt authorize these credit bureaus to run my credit report, and under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute these inquiries. The FCRA is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. It gives consumers the right to know what information is being reported about them and to dispute any errors or unauthorized activity. Therefore, I am exercising my rights to address these unauthorized credit inquiries. 


I will attach my FTC report