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

I opened a Beyond Checking Account and Signature Savings account on XX/XX/XXXX due to a mailer I received from TD Bank in XXXX of XXXX. The mailer indicated promotional bonuses for both checking and savings accounts. I followed their requirements to the letter of the law but still have not received my promotional bonus ( {$200.00} for checking and {$400.00} for savings ) in accordance with their terms. I reached out via online secure messaging on their platform on XX/XX/XXXX, XX/XX/XXXX and called into their support line on XX/XX/XXXX. The representative assured me that it would be escalated to the appropriate party and resolved. As of a XX/XX/XXXX message there is still no resolution in sight. The balance in my accounts totals {$17000.00} which I would have been earning higher interest on with another institution. It seems that TD BANK is engaging in bait/switch tactics to garner deposits at their bank. I would like my Bonus amount asap + damages for lost interest. TDBank should not be able to offer fraudulent promotions and then not fulfill them. Please help. Thank you
Product: Debt collection

XXXX is again trying to collect a debt that I do not owe using another collection agency. I opened a compaint before that they had sent to another agency and that collection was closed. Now they are tyring to collect using another one. I have not received the {$75.00} deposit I paid them. I stated that they should take their money out of that and send me the remainder. They have done nothing except to lie the the other company about paying me my deposit. I do n't owe them anything as I have yet to receive any of my money back..
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Complaint Regarding Experians Sham Investigation into Incorrect Credit Report Information To Whom It May Concern : I am writing to formally express my deep concern and dissatisfaction regarding Experians failure to address inaccuracies on my credit report and their repeated sham investigations into the matter, as referenced in the recent CFPB lawsuit against them.

Specifically, I have disputed a 30-day late p
ayment reported by Apple Card Goldman Sachs for XXXX XXXX on multiple occasions. This dispute has been escalated several times through the CFPBs complaint platform, with my most recent complaint (
Complaint ID # XXXX ) being closed without resolution or the correction of the error on my credit
report.

My previous complaint was thorough and included detailed supporting documentation demonstrating that the reported information is incorrect. Additionally, I cited the
specific code violated by Goldman Sachs, 12 CFR 1026.13 - Billing Error Resolution, which mandates : 1. Creditors may not take collection action or attempt to
collect disputed amounts until the issue is resolved.

2. Adverse credit reporting regarding the disputed amount is strictly prohibited.

3. Creditors may not accelerate debt or restrict an account based on the consumers good faith exercise of rights under the regulation.

Despite this, XXXX has continued to report inaccurate information, thereby allowing Goldman Sachs to violate the protections outlined in the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1026.13.

I am now deeply concerned that XXXX has conducted sham investigations, as alleged in your recent lawsuit, by failing to adequately review the disputes or address the underlying violations. This ongoing inaccuracy has had significant consequences on my credit standing, potentially threatening my access to credit, housing, and employment opportunities.

I urge the CFPB to thoroughly investigate XXXX handling of this matter and ensure that my dispute is properly reviewed and resolved in compliance with federal law. This includes requiring XXXX to correct the erroneous late payment reported by Apple Card Goldman Sachs and ensuring such practices are prevented in the future.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening this is a continued problem that XXXX XXXX and I have. The problem is application of over payments and reporting incorrect balances on credit report and continuously reporting late payments on my account. XXXX  my credit and outright refusing to fix it. They come up with every excuse in the book as to why they did what they did and act like their investigating my disputes and I never ever hear back from them. I want the late payment from XXXX and XX/XX/2022 removed and I also want balance updated. My evidence is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX  credit cared that went into chargeoff status but was paid in full. the acct went into first day of deliquency prior to 2018 when it was paid off XXXX percent. the acct is over 7 years old since first day of being late but XXXX  and the credit burue will not remove the acct from my credit report.
Product: Debt collection

This company has called my family and I about a payday loan. They have used profanity and threatened to take money from us. They even called my sister and harassed her and told her info about herself that they were never given by my sister. They call from various numbers all day every day. They tell us they are gon na have papers delivered to our place of employment or residence. We have received nothing in writing to this affect. The original copy has sold my information to various other companies and now all of them are trying to scam my family and I.
Product: Money transfer, virtual currency, or money service

I XXXX {$1000.00} to the wrong person because on my mobile banking app at the time Wells Fargo the number was registered in XXXX under my sisters name but that was no longer her number so it got sent to the wrong account, I called the number who I XXXX it to, he was an elderly man so he thought I was trying to scam him, he did end up going to the bank and no resolve, I did end up calling Wells Fargo but they told me there was nothing they can do about it. This was XX/XX/year> 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows a HELOC account which was paid off and closed by the bank as still being open with a large balance of {$170000.00} on my account. The bank has not been helpful and has closed off my online banking access to my statements so there is no documentation that I can use to prove that the account has been paid in full and closed. 
I filed a dispute with Experian, reporting that this debt is not owed, expecting that the inquiry from Experian would prompt the bank to report that the account is paid in full and closed. Within a few days, Experian reported that the bank indicated that the information as reported is correct, which it is not. I called Experian and was told that my only options were to file another dispute ( for what purpose I do not know ) or to contact the bank ( which I have already done and which they have done but have not gotten corrected information for my credit report ). I was also told that the bank did not have to provide any proof that the debt was owed. Clearly, no investigation was done by Experian about the validity of this debt which remains on my credit report. 

I asked who I could file a complaint with about this credit reporting issue and was told that Experian did not have that information and that they had no obligation to tell consumers where in the federal government they could file a complaint. I asked to speak to a manager and was on hold for quite a while before I was told that he could not find a supervisor to talk with me and that he had no obligation to tell me where to file a complaint about Experian.
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  : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX XXXX XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX XXXX : Account Name : XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Name : XXXX Account Name XXXX XXXX XXXX XXXX  : Account Name : XXXX Account Name : XXXX XXXX XXXX : Account Name : XXXX Account Name : XXXXXXXX XXXX : Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX  : Account Name : XXXX Account Name : XXXX XXXX XXXX : Account Name : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 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: Checking or savings account

A credit was issued for a dispute, claim XXXX, on XX/XX/XXXXin the amount of XXXX. The item in dispute, XXXX from XXXX, cause an overdraft fee when it posted on or aroundXX/XX/XXXXin the amount of XXXX. I was told any fees associated with transaction would be credited back once claim is resolved. Again, I see a credit was issued but do not know if claim is resolved in my favor or not. If so, I need overdraft fee credited back ASAP
Product: Credit card

On XXXX XXXX 2016, I had XXXX fraudulent charges to my credit card. That card was cancelled, and the credit card company applied the appropriate credits. But after the card was cancelled, I received four other credits from XXXX merchants. Those credits were not automatically applied to my new credit card. I 've now called 5 times, and only one credit has been applied. The other XXXX credits were applied as CHARGES to my new card, which still has n't been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN KEEPS VIOLATING THE LAW. ON MY CREDIT REPORT ( PROOF ATTACHED IN THE FORM OF AN ATTACHMENT ). SHOWS THAT THEY OPENED UP A DISPUTE TODAY XX/XX/2020 AND I DID NOT CALL THEM OR MAKE CONTACT WITH THEM TODAY. THEY ARE INCORRECTING DISPUTING ACCOUNTS AND PLACING FRAUDULENT STATEMENTS ON THE FOLLOWING ACCOUNTS AND IT IS MAKING IT DIFFICULT FOR ME TO GET A MORTGAGE. 

1. XXXX/XXXX  2. XXXX 3. XXXX XXXX ( TWO ACCOUNTS ) XXXX. XXXX/XXXX  5. XXXX XXXX 6. XXXX/XXXX  THESE ACCOUNTS WERE NEVER DISPUTED, THEY WERE NEVER QUESTIONED AND YET EXPERIAN KEEPS PLACING FAKE DISPUTE CODES AND REMARKS ON THESE ACCOUNTS TO MAKE ME LOOK BAD. THE BANK SEES IT AND SAYS WHY ARE THESE ACCOUNTS IN DISPUTE AND THEN I HAVE TO TELL THEM THAT I HAVE NOT DISPUTED THEM. 

WHY DOES THE CFPB ALLOW EXPERIAN TO KEEP DOING THIS. I AM SICK AND TIRED OF SEEING THIS STUFF ON MY ACCOUNT.
Product: Debt collection

THIS IS NOT A DUPLICATE!!! 

XXXX XXXXXXXX claim this item Accurate & Consistent but its 2 different incorrect spelling of my name in the original contract which are highlighted in the attachments. which is a MAJOR Violations UNDER THE FCRA & FDCPA
Product: Credit card or prepaid card

In XXXX of 2020 I had a fraud transaction on my Discover card for XXXX. I was never credited back for this transaction so I contacted Discover in XX/XX/2020 to see why. I was told the credit was placed on my old card and needed to be transferred to my new card. I have contacted Discover 4 times since including XX/XX/2020 and this has not been resolved. Discover is illegally not moving my funds to my new card so I have access. I am told every time wait 10 days. I have been waiting since XXXX. Move my XXXX.
Product: Checking or savings account

I opened a Citibank Accelerated Savings account in XXXX and in doing so agreed to the terms specified in the XX/XX/XXXX XXXX XXXX XXXX document I received in my Citibank new account package. I have been trying to close my account unsuccessfully ( see other complaints filed ) On XX/XX/XXXX I received my statement. Without my permission and without notifying me Citi bank has change my account from a Accelerated Savings Account to a CD w/the following message contained in my recent statement : " Effective XXXX, XXXX the Certificate of Deposit ( CD ) terms within your corresponding agreement are updated to reiterate that you agree to leave your funds in the CD account for the first six days after account opening or renewal. Please refer to your corresponding agreement for more information. '' 1 ) I never requested or authorized this change from a Accelerated Savings Account to CD 2 ) I never received in any format or medium prior notification of the change 3 ) I received notification of the change after the fact on XX/XX/XXXX XXXX ) I did not and have not received my " corresponding agreement '' nor any instructions of where to find that agreement. 
5 ) I do not want to change from an Accelerated Savings Account to a CD 6 ) I want to close my account and get my money back from Citibank 7 ) Citibank is effectively blocking, encumbering, obfuscating the process of closing my Accelerated Savings Account and returning my savings to me This is patently illegal and borders on fraud. This is an arbitrary, after-the-fact, undisclosed and consequently illegal action and requirement imposed by Citibank and is in direct violation of the Truth in Lending Act and the Securities Exchange Commission 's disclosure rules .
Product: Checking or savings account

Someone opened an account in my Name without my permission. I have been asking since XXXX of 2024 for this problem to be resolved. Nothing is being done it seems like every time I call it's the same representative. She keep saying she will file a report and someone will get back to me and no one has contact me yet. I do want to go forward in pressing charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. ''
Product: Credit reporting or other personal consumer reports

Improper investigations of credit reporting errors through XXXX, XXXX, and XXXX. Data breaches exposing my financial information to undisclosed and unauthorized parties. Inaccurate reporting of student loans on reports.
Product: Payday loan, title loan, or personal loan

Well i called theyboffered me XXXX, and said i coukdget that and i would just have to pay {$80.00} as insurance a payment up front in case i miss one, in need i sent it, then i did not recieve anything called the next day tthey said fdc has a hold on it paened my items to pay for XXXX was sent nothing the next day i called asked for my money back they clamed to send it back to me but havent received anything and now they dont answer my call XXXX Name is claimed to be XXXX XXXX with upstart
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraudulent accounts on my report in XXXX of XXXX  and I disputed the accounts ( XXXX XXXX amount of {$5400.00}, XXXX XXXX XXXX amount of {$6500.00}, XXXX XXXX XXXX of {$1700.00}, and XXXX XXXX XXXX of {$2500.00} ) with all 3 bureaus. XXXX, XXXX, and Experian elected to leave the fraudulent, deceptive accounts on my credit report, and to make matters worse, XXXX later reported a late payment which caused my score to drop over XXXX pts. I did not give written consent or instructions for the identified transactions listed to be reported on my consumer report. Furthermore, the identified transactions are not information related to any transactions by me as the consumer. Please see the attachments!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX and I am requesting that this information that is a direct result of XXXX be removed from my report
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 Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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: Checking or savings account

XXXX received a notice to levy my account for not filing taxes in WI. They emptied my account on XXXX XXXX and I received notice of this on the XXXX. I remedied the situation right away by filing the missing information and I confirmed on the phone with a WI representative that my money should be returned after they receive it from XXXX. 

I called WI today, the XXXX, and the person I spoke with said XXXX has n't sent the money yet and that I need to contact them to find out more. He said once they receive it, then they will return it, but they ca n't do anything since XXXX has n't done anything. 

I went to the local branch and the assistant XXXX said there was n't anything they could do. I asked for proof the money was sent or any type of tracking and he said that they could n't give me any information. Just that when they get a notice, they comply. I said I understand, I just want more information as I was told that Wisconsin has n't seen anything yet and I would like a time line on how things work. They refused to give me any corporate number and said I could try the phone support, but would likely get the same answer. 

The total amount debited was {$620.00}, the levy was for XXXX. The levy number was based upon a guess for how much tax WI thinks I would owe, had I filed taxes. The previous year I filed was {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I order my credit report from Equifax it reflects I have a negative balance of {$5600.00} a credit limit of {$35000.00} and balance of {$41000.00}. XXXX  no one in the company may know the issue has to deal with them migrating from one system to the next but as through out the whole day. I have been on hold then dropped io the survey. No one has been able to assist to me, unable to verify me or some can either way no answer, no correction and I end up In the survey. I believe there up date has dropped my credit score. My credit limit is not over the limit. I do not have a credit limit of XXXX. The change of their system has impacted me financially, and emotionally. I also ordered the credit monitoring service for {$9.00} because I thought it would be more detailed then the free one they offer which doesnt list the name of balances of creditors just lumps it together. But I paid {$9.00} to look at the same screen that gives me no information. The agents said they could not see any information either. I called to cancel several times they could not locate my account but I have the email to prove I Subscribed. I have the payment holding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I have already gotten a police report with local police. And I have contacted the FTC. These items need to be deleted from my credit report. XXXX, XXXX, XXXX, XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, XXXX, XXXX  XXXX, XXXX XXXX NA XXXX XXXX XXXX. XXXX. XXXX, XXXX   XXXX
Product: Money transfer, virtual currency, or money service

I made a credit card transaction and they are withhold nearly 50 % for 21 days. I checked my limits BEFORE even doing this transaction and was WELL under the amount specified. They claim I have a " reserve '' in the amount of {$2000.00}. There was never an e-mail sent claiming they were updating any of my limits/placing a reserve on my account. There was nothing in my account stating any such limit, until AFTER said credit card transaction was made. I have the screenshots of my account limit area and there is nothing to be found in this area.