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

I have been a long term customer. In XXXX I moved to XXXX, I didn't know how it would be, and asked TD to keep my account open and in good standing, they did until this year. 
Starting in XXXX, and through all XXXX, TD has caused a number of problems. 
I have had a TD Debit Card, but as there were no emergencies the card and account savings were unused. 
I'm just going to list the problems, in finishing I will detail the situation TD has left me. 
Problems : XXXX sent paper-mail letter to incorrect address in XXXX- not express mail. XXXX was lost for 4 months. 
XXXX : XXXX branch emailed request for me to update my personal information, address and phone. 
TD contacts me, requesting personal information, address and phone - information on file isn't what I provided. 
TD deactivates my TD Card without informing me. So when I try it at my XXXX Bank it is declined. 
I email TD why this happened, they say your card wasn't used for XXXX years so we deactivated it. 
I say well I need to use my card for health insurance and to replace my very old phone. 
Since they can not reactivate the card a new one is sent, but not with express mail, so card is lost for weeks. 
I insist they send a replacement card via express mail. 
Surprisingly, my new card is declined for purchases, and at my XXXX Bank. 
I email for help, they TD says the card was deactivated " for my protection ''. 
I ask TD to stop protecting me and allow the card to work, but I am never able to use my card, ever. 
Concerning health insurance - I missed the window when it was available because " no access to my savings ''. 
I ask TD Bank to mail a cashiers check - expensive and time consuming- to finally get me some money. 
XXXX XXXX XXXX tries to sell me an XXXX, my TD card is declined again, I pay cash. 
In the XXXX XXXX I notice TD Bank used an incorrect phone number for authorization. 
All during XXXX my card was always declined yet no TD person could/would help me. 
TD finally closed my account... WOW!
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 REGIONAL ACCEPTANCE XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX gained unauthorized access to my credit report which is a violation under 15usc1681n
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of m credit report and noticed that i have fraudulent activity.
Product: Credit reporting or other personal consumer reports

The FDCPA is meant to protect my right to privacy, yet my privacy has been violated by the Consumer Reporting Agencies, XXXX, XXXX, and Experian. I noticed that my consumer report is erroneous, out of date, and that no legal evidence has been presented to me. The Consumer Reporting Agencies failed to fulfill their responsibilities. I have the right to know, who was interviewed by Consumer Reporting Agencies? Who gave them the power to tamper with my life? Is it true that I am not a federally protected consumer? The Consumer Reporting Agencies never acquired my authorization to report on my consumer report, either orally or in writing, and this constitutes identity theft.
Product: Credit card or prepaid card

XXXX  's website does not allow access to credit card information online anymore. Every time I call they try and tell me it must be my browser. After arguing repeatedly with customer service they admit they are having technical issues with the website. This is unacceptable in this day and age. Its absolutely ridiculous that I can not monitor activity on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I purchased a truck and camper trailer from XXXX XXXX XXXX XXXX in XXXX AR. My husband was laid off work a few months later and we were unable to make the payments. The truck and camper were repossessed. On XX/XX/XXXX I called XXXX XXXX XXXX and asked if they would be willing to settle up our debt with less than full balance and report as such to the credit bureaus. They were willing to work it out with us. The same day I paid the amount we settled on with my debit card over the phone. I received the receipt and letter stating the agreement. I went to our local bank to obtain a loan in XX/XX/XXXX the debt was still showing in our credit. I spoke with XXXX XXXX XXXX at that time, they agreed to fix the problem. I found it was not correct again on my credit and filled a dispute with TransUnion. Again in XX/XX/XXXX we find the same information on our credit report. I reached out to XXXX XXXX XXXX again they said the issue had already resolved. XX/XX/XXXX issue is found again on credit report. I have spoke with XXXX XXXX XXXX, ( XXXX XXXX ) she said the issue was being resolved. XX/XX/XXXX I received a alert from XXXX  XXXX telling me I had a missed payment on my account with XXXX XXXX XXXX which is the finance Co used by XXXX XXXX XXXX they are a buy here pay here auto sales. XXXX XXXX and XXXX XXXX are both listed on my credit and only XXXX XXXX on my husbands credit. I spoke with TransUnion on XX/XX/XXXX so the issues could be disputed once again. I called XXXX XXXX XXXX on XX/XX/XXXX and was told nobody was in the office to take my call I should call back on Monday.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Urgent Request : Addressing FCRA Violations in My Credit Report Dear [ Recipient 's Name ], I hope this message finds you well. I am writing urgently to address significant discrepancies recently discovered in my credit report that are in violation of the Fair Credit Reporting Act ( FCRA ). The persistence of these errors in my credit profile raises substantial concerns about compliance with FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a critical federal statute governing the accurate collection, maintenance, and transparent reporting of consumer credit information. 

Instances of FCRA violations found in my report include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on name or social security number similarities by your agency. 
Failure to comply with prescribed dispute-resolution protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly concerning employment-related matters. 
Receive notification if my file information has been detrimentally used in credit applications or transactions. 
Dispute and request correction or removal of incomplete, erroneous, or unverifiable data. 
Request the elimination of outdated negative information, typically after XXXX or XXXX years, contingent upon bankruptcy. 
I formally request the immediate removal of the listed items below. These items significantly breach FCRA standards due to their inaccuracies, lack of verifiability, and continuous invalidation. Their presence has caused substantial distress, notably resulting in my recent denial of extended credit due to errors originating from your agency. 

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I anticipate prompt action to rectify these violations within the stipulated timeframe outlined by the FCRA. Failure to comply will regrettably compel me to pursue legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX opened XX/XX/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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose update late payments for following dates to current or delete account from credit report. 

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

Requested a report from XXXX Consumer Assistance Account : XXXX  XXXX  : Accounts shaded below may be considered Negative accounts XXXX shows this account " Negative '' .. No Data is available for months left blank in the payment history XXXX
Product: Checking or savings account

On XX/XX/year> I restarted my XXXX XXXX for {$120.00} a month. On top of this transaction, they also accidentally charged me {$79.00} XXXX consecutive times. I experienced a nightmare with my bank and fraud transactions so I do not keep a lot of money in my checking account and since I was not expecting XXXX {$79.00} to come out, I also got XXXX {$34.00} insufficient funds fees. I email my XXXX and they tell me they will refund XXXX of the XXXX charges. They immediately refund XXXX. I wait a whole week and they do not refund the additional XXXX. I email them again and get no response. I then go to chase to correct the remaining XXXX charges. I file a claim against XXXX charge and when I went to file a claim against the last XXXX my app wouldnt let me do it I had to call a number. I call the number and explain the situation to the female and she refunds the remaining XXXX. I upload email proof from the company that I shouldnt have been charged for XXXX of the XXXX charges into my chase claim. On XX/XX/XXXX I am refunded the remaining XXXX charges of {$79.00} and the XXXX overdraft charges of {$34.00}. Then on XX/XX/XXXX Chase reverses XXXX of the {$79.00} charges. I call and the girl can not follow that Im telling her XXXX of the XXXX charges were meant to be reversed. She said that the reason I was being charged the {$79.00} again was because it was linked to XXXX of the XXXX transactions the XXXX had already refunded me. I said okay well then can you select another {$79.00} charge and refund me? I should only be charged {$79.00} XXXX time and should be REFUNDED for XXXX. This makes me only refunded for XXXX. She tells me I need to contact my XXXX, theres nothin she can do. i explain to her that its impossible for me or my XXXX to know which transactions are linked to the refunds and which are not so this is going to be a non stop cycle. She cant help me. XXXX able to get in touch with my XXXX and they refund me {$79.00}. Now because they refunded it, once again its linked to another XXXX of the {$79.00} charges that was already refunded so instead of me just getting the refund chase charges me for XXXX {$79.00} reversal. XX/XX/XXXX XXXX recharged {$79.00} by chase, on XX/XX/XXXX XXXX recharged {$79.00} by chase, On XX/XX/XXXX my gym refunds XXXX of the {$79.00} charges and today XX/XX/XXXX chase recharges me another {$79.00}. So I need chase to refund XXXX of the {$79.00} charges. Im right back to where I started nearly a month ago in XXXX when I called Chase to receive the initial help. Chase keeps telling me theres nothing they can do. Every representative I talk to has a different answer for me and is no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  as reported to the CRA an account that does not belong to me! XXXX and Experian is reporting false information. I demand this account be removed off my consumer report IMMEDIATELY!!! I have attached my consumer report!
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 XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXX  XXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I HAVE REQUESTED AND DEMANDED THAT EXPERIAN STOP REPORTING/DISPLAYING INACCURATE INFORMATION ON MY CONSUMER FILE. THEY ARE STILL REPORTING 2 UNVERIFIED BANKRUPTICES IN WHICH XXXX XXXX HAS SINCE DELETED AND CLAIMED THAT THEY DISPUTED TO REMOVE THEM FROM EXPERIAN AS WELL. THERE ARE XXXX LOANS ON MY FILES IN WHICH IS VIOLATING MY RIGHTS TO PRIVACY, AND ON TOP OF THAT THEY ARE OVER THE 7 YEAR REPORTING CRITERIA. ALL XXXX LOANS SHOULD HAVE BEEN DELETED, I ASKED THEM TO DO A FULL INVESTIGATION AND HANDLE MY DISPUTES WITH CARE AND DIGINITY. THEY CONTINUE TO KEEP UNVERIFIED INFORMATION ( THAT THEY PAY COMPANIES TO FISH FOR WITHOUT PROPER VERIFICATION ) VIOLATING MY RIGHT TO A FAIR AND ACCURATE CONSUMER FILE. AT THIS POINT I WANT ANOTHER FULL INVESTIGATION AND PROPER COMPENSATION DUE TO THIS PRIVATE ENTITY WHICH IS EXPERIAN VIOLATING MY RIGHTS AND DESTROYING MY LIFE DUE TO THEM NOT HANDLING MY DISPUTES EVEN WHEN I GAVE THEM LAWS AND DOCUMENTATION TO BACK UP EVERYTHING I WAS ASKING FOR. WHO GETS TO CORRECT THESE MONEY HUNGRY COMPANIES FROM CONTINUING TO HURT THE HARD WORKING AMERICAN PEOPLE ESPECIALLY MINIORITY / XXXX PEOPLE? CFPB PLEASE MAKE THEM HANDLE BUSINESS PROPERLY AND REMOVE THESE UNVERIFIED ITEMS OR MAKE THEM PAY PER VIOLATION! THANKS AND XXXX BLESS Tracking Number : XXXX ( PACKET OF EVIDENCE IN WHICH EXPERIAN STILL HAS YET TO PUT ON FILE IN ORDER TO REMOVE THESE ITEMS THAT THEY PAID FOR WITHOUT VERIFYING. I WILL ATTACH THEM TO THIS COMPLAINT AS WELL. THANKS
Product: Debt collection

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). I REFUSE TO PAY THIS ALLEGED DEBT RENT TOOK ALL OF MY MONEY AND I SENT THE REST TO MY MOTHER IN JAIL. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1.Account Name : CREDIT MANAGEMENT LP Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the inaccurate information being reported by TransUnion on my credit report. Despite my previous efforts to address this issue, the incorrect data remains, causing unnecessary harm to my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information reported. Inaccurate information must be deleted once it is disputed and deemed unverifiable. I have provided all necessary documentation, yet the errors persist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, credit repair services, or other personal consumer reports

This is my twelfth 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 alleged fraud or extortion XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX.
Product: Debt collection

This is a follow up and not an initial dispute. CFPB - PLEASE ATTEND TO THIS ISSUE. 

The company was given my identity theft affidavit, and shown I've done a local police report. FCRA 605b requires that they cease any and all collection activity as a result. They stated they're going to request an itemized bill, something ANYONE can type and send. This company is frivolous and needs to be shut down. They have 0 documentation that will stand in court, especially against IDENTITY THEFT. 

They are in violation of my rights under the FCRA. FCRA 605B, 609, AND 623.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX XXXX  placed an unauthorized inquiry on my Equifax Report. 
On XXXX XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX  placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX  XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX  XXXX company placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX XXXX XXXX  placed an unauthorized inquiry on my Equifax report.
Product: Credit reporting or other personal consumer reports

I viewed my credit report on XX/XX/XXXX and noticed 5 late payments. I didnt not apply for these accounts. I filed a complaint these accounts are fraudulent and still show on my credit report. 

Fig loans XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is reporting a fraudulent account on my credit report. This account was opened due to identity theft and XXXX XXXX  has sent me a letter stating that they will permanently remove and or stop reporting the fraudulent account to my credit report and transunion is still reporting the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out a letter to Experian on XX/XX/XXXX and XX/XX/XXXX. I was asking for validation of several items, as they have come back valid in my initial letter XX/XX/XXXX. This is a copy of the 2nd letter I sent, asking for PROOF of Experian 's verification via Metro2 Compliance.

Name of Creditor 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

My Experian credit report shows that I have a past due account in collections with a lease to own company called XXXX. I have never done business with this company and never opened an account with them. Up until seeing it on my credit report I had never heard of this company. 

I called the company and have reported it as fraud. I filed a report with my local PD that I am going to submit to XXXX once the report is available. XXXX said they won't do anything without a police report. 

I disputed it with Experian who stated they reached out to XXXX and stated that the account is mine. I asked for proof of the account or any information on the account and nobody will provide anything to me.
Product: Mortgage

AimLoan.com is quoting ultra low rates that do not quote ARM or any other of the required verbaige From : AimLoan.com XXXX XXXX : XXXXXXXXXXXX XXXX Sent : Wednesday, XXXX XXXX, 2016 XXXX XXXX Subject : AimLoan.com Rate Watch Notification This is your mortgage rate update from AimLoan.com. These interest rates are accurate as of XXXX XXXX, 2016. 
30-Year Fixed Rate 3.625 % with XXXX guaranteed points and {$0.00} lender credit 3.75 % with XXXX guaranteed points and {$0.00} lender credit 3.875 % with XXXX guaranteed points and {$660.00} lender credit 4.0 % with XXXX guaranteed points and {$2900.00} lender credit 4.125 % with XXXX guaranteed points and {$5000.00} lender credit 4.25 % with XXXX guaranteed points and {$5200.00} lender credit 20-Year Fixed Rate 3.25 % with XXXX guaranteed points and {$0.00} lender credit 3.375 % with XXXX guaranteed points and {$0.00} lender credit 3.5 % with XXXX guaranteed points and {$0.00} lender credit 3.625 % with XXXX guaranteed points and {$930.00} lender credit 3.75 % with XXXX guaranteed points and {$2500.00} lender credit 3.875 % with XXXX guaranteed points and {$4000.00} lender credit 4.0 % with XXXX guaranteed points and {$5200.00} lender credit 15-Year Fixed Rate 2.75 % with XXXX guaranteed points and {$0.00} lender credit 2.875 % with XXXX guaranteed points and {$0.00} lender credit 3.0 % with XXXX guaranteed points and {$0.00} lender credit 3.125 % with XXXX guaranteed points and {$1000.00} lender credit 3.25 % with XXXX guaranteed points and {$3300.00} lender credit 3.375 % with XXXX guaranteed points and {$4800.00} lender credit
Product: Credit card

I have Discover for my Credit card and for a personal loan. For some odd reason discover never received my payments, which I have everything on auto-pay. I have been paying double with both accounts to get caught up, but now they are telling me my account wont be unlocked until XXXX 2016.
Product: Credit card or prepaid card

I took out an AA Citi card. They said they mailed it but I did not get it. I called and confirmed they had the right address and they sent another card. 

This weekend I have received 9 harassing phone calls and several emails dunning me for payment. I called and explained that I have not received the bill. I was told they could and would fax it to me within 24 hours. 

I did not receive the fax and called and spoke with another rep who said they can not and do not fax statements and they further would not email it to me. I told both reps to have Citi stop calling me. 

I then cancelled the card and wrote a letter to the CEO complaining about the harassing calls and saying I will pay the bill for all legitimate charges, in full, upon receipt, but will not pay any late charges or interest for a bill that I have not received.