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

TD bank decided to close my accounts after a deposit was made to my business account. On Tuesday XX/XX/2023, TD Bank placed my accounts under review, the review they are conducting has been going on for 3 weeks now, there is {$1300.00} in my personal account and {$49000.00} in my business account, TD bank is refusing to release my funds, giving me the bare minimum of information explaining why. There has been no complains of fraud from any company that wrote the check that I deposited, there has been no complains of any sort. TD bank wants me to call the company and ask them to go to a branch and ask for the money back and then ask the company to rewrite me a check, no company will do that, TD bank is asking for the impossible just so they can have an excuse to hold my funds. On Friday XX/XX/2023 a TD representative called me telling me that I could go to the branch and have them release my funds, her name was karine, she also to ; d, e that if the branch gives me a hard time to give her a call and she will help. I went to the branch for the 10th time now since this situation started, the branch refused to give me my money and said that calling XXXX back wont help, they claimed that the phone number that called me and informed that I can get my funds a scam number and that the bank can only send me a check for, y funds via mail. Please I need help getting my money from this bank, I trusted TD bank and never thought they would do any shady things with my money.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My name changed - I reached out to Capital One to have this updated via phone. The other credit card companies updated the information w/o any issue. For the last several months Capital One has been giving me the run around. I sent in a copy of the new social security card. They updated the last name but refused to change the first then froze my account citing possible fraud. 

Each time I called a rep requested I upload a photo of my ID in real time. However each time although it shows uploaded successfully on my side- the reps never seemed to receive it. This has happened at least a half dozen times if not more.
Product: Debt collection

Calls began today XX/XX/2019 they've called my work place three times this morning, and XXXX of my daughters. I asked to stop calling but they continue. One of the agents called me an XXXX and threatened to come to my work place in person
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau, Regarding the following account ( s ) : XXXX XXXX / XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX Federal law requires that the credit report bureaus ( Trans Union, XXXX, XXXX  ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Checking or savings account

I deposited a check {$5800.00} check into my Bank of America account on XX/XX/XXXX its XX/XX/XXXX and they cant tell me where my funds are and they blocked my account. It is theft. I call them and they transfer me to a person that transfers me to another person and the next. How does this bank get away with this?
Product: Credit reporting or other personal consumer reports

Around XX/XX/2023 I was notified via email that changes to my XXXX information had been made. When attempting to log-in, I had found that my username had been changed. Unable to manually rectify that as I was unable to gain access to the account, I tried getting a hold of an XXXX Representative. They were the ones who confirmed that my User Name had been changed, but that I was currently locked out and that I would need to wait a few days before I could resolve anything. This happened a couple more times, before finally a competent representative was able to get me access to the account. Not seeing anything, I then just placed a Freeze on it. 

Not too long afterwards, I received a number of mail notifications for accounts that were attempted to be opened under my name through use of Identity Theft. I was able to get most of the accounts closed except for two, a XXXX and a XXXX XXXX  XXXX Eventually the XXXX one was resolved after it was sent to collections and I provided them with relevant information that the account was opened fraudulently, they never impacted my Credit. The XXXX XXXX  one however, is still showing as a hard inquiry on my XXXX Credit Report and impacting my score. 

I have attempted multiple times to get this resolved, I've even hired a Identity Theft Restoration Specialist through XXXX XXXX to assist. In late XXXX, I was notified that the account had been sent to Midland Credit Management, a collections agency, on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Speaking with them, I explained the situation, mailed them relevant information, and they have since closed the account and ceased collections. However the hard inquiry remains and after speaking with someone at XXXX, they claim that Midland is the one who needs to remove, but Midland is also saying that they don't. Regardless, the account is no longer valid and someone needs to do their job and remove it from my report. 

Please assist.
Product: Credit card

I hope this letter reaches you in good health and spirit. I been on the phone over an hour trying to place my order and use XXXX XXXX XXXX {$120.00} before they expire with my Macys credit card. Been transferred several times and verified my account several times. My order was cancelled while I was on the phone for no reason they stated it need be verified and I verified my account several times and then transferred again to replace my order XXXX XXXX XXXX was not applied correctly its still missing {$10.00} of XXXX XXXX XXXX Im very upset because I been on the phone for over an hour. My issue is still not resolved. I feel discriminated against and treated unfairly.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN ), Consumer Dae of Birth : ( Private DOB ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan accounts, Mortgage loan account, XXXX XXXX account and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit. 

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

This account is 7 years old and should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my TransUnion report and provided this information by letter in USPS mail to the TransUnion dispute department. The letter stated I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries without an FTC Fraud Report. 

I then submitted that to them and they still refuse to remove the inquiries.
Product: Credit reporting

I lost my social security card and now i am unable to open a bank acct in my name. I attempted to sign up for credit karma, and it 's stating that info does n't match.
Product: Debt collection

On XXXX XXXX, 2016, the tank to the toilet broke. As any logical person would do, we turned the toilet inlet wall valve to stop the water flow to the tank ; this valve failed while turning off the water supply - the valve stem popped out of the valve housing. These causing flooding in the apartment. We filed a claim with XXXX to get the toilet fixed. A claim was filed with XXXX for the toilet damage for {$1000.00}, our insurance policy covered the cost to fix the toilet. Additionally, they stated that we are not legally responsible for the property damage claim filed by XXXX XXXX XXXX caused by the faulty valve. XXXX is a very reputable company. They covered the damage that was caused to the toilet tank to get repaired. We should not have to pay for equipment damage that is not up to industry standards nor maintained and owned by the XXXX XXXX XXXX. The sent us to collections for the cost of the damage done by the faulty valve for {$3200.00}. We asked them to show us what their insurence has paid but they will not give us any information, I suspect that they are asking for reimbursement for claims already settled by their insurance company. We have followed and taken all steps to resolve this issue, including contacting them and I.Q. Data International by telephone calls, visiting the front office, email and certified mail - every step we can think of. We have filed multiple disputes with I.Q. Data International, Inc and XXXX. I have had tired to have many conversations with XXXX XXXX XXXX but they have not responded. They have changed their email and their website is no longer up/active. We are no longer able to get in touch with them. Our last step will be taking them to small claims court if they do not take any action regurding the false claim that they have made to collections. Thank you in advance for any assistance you may be able to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an inquiry on my consumer report from a company I do not recognize. I do not have an account with them under collection nor for review.
Product: Debt collection

Ive attempted to contact XXXX XXXX XXXX in the past to dispute debt or due a pay to remove due the fact I dont have a contract to pay them anything nor do I know that person finance company sold a debt to them in order for them collect and Im not sure how XXXX XXXX XXXX found where I lived at when I moved away to a new address I never gave a forwarding address to them nor does XXXX XXXX XXXX have the actual copy of a statement from personal finance company other than they probably got a computer printout from somewhere in order to act like they had the actual contract when they dont since they dont live in XXXX  IL also they tried to an unauthorized credit check without my permission in order to further damage my credit I just want this removed from the credit bureaus they have caused me a lot of financial health problems
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon submitting my application for a home loan on XX/XX/XXXX, I noticed that my identity had been compromised and that several unknown accounts have been established under my name and social. 

So on XX/XX/XXXX I decided to contact the local police station and filed an Identity Report listing each company as follows : XXXX XX/XX/XXXX {$5700.00}, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$4700.00}, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX {$480.00}, XXXX XXXX XXXX XX/XX/XXXX {$930.00}, XXXX XXXX XXXX XX/XX/XXXX {$710.00} and XXXX XXXX XXXX XX/XX/XXXX. 

On XX/XX/XXXX, XXXX/XXXX and XX/XX/XXXX I've sent dispute letters to Experian, XXXX and XXXX along with Identity Report as well as reach out to the above creditors and nothing has been resolved. As a result I can't purchase a home or establish new credit.
Product: Debt collection

They Emailed me Every Date since XX/XX/year> - XX/XX/year> either validate the debt or stop calling me and remove any reporting from my credit report.
Product: Mortgage

After having an account with  Ocwen  for  XXXX  years, I got laid off from work, and contacted them to see if there was a program that I would qualify for till I got back to work. I have never been 30 days or more past due in the entire time.  Ocwen  indicated there was a program, and had me fill out an application and provide supporting documentation, which I did. A relationship  XXXX   (   XXXX l ) contacted me and told me I was approved, and sent me the agreement which I signed, it allowed for reduced payments for 12 months, and I would be reported in forbearance only, not past due or late, because I specifically asked to make sure. I was assured if I was not in arrears at the time of the agreement I would not be reported past due or late, which I confirmed in the agreement. It states they would only report me past due if I was past due at the time of the agreement and only till it was no longer past due ( till I got it caught up ) since I was never past due it was not an issue. But I got notified by the credit bureau 's they ARE reporting me past due which is in violation of the agreement. I contacted the Relationship  Manager at Ocwen  (  XXXX   )  and she agree 's, she sent in a corrections and the servicing department for some reason likes i 'm past due and refused to reverse the credit reporting error. Today I called in and spoke with another   XXXX   XXXX     (  XXXX  ) she she also agrees they are reporting it in error.  XXXX  sent in another request to correct the account with the bureau 's today, but I thought I better file this report to cover myself and maybe you could help resolve this issue, if they are doing it to me, they  may  be doing it to a myriad of other customers. Please let me know what to do? I have attached a copy of their letter and my credit report, as you can see I have never been late or past due on anything. Help!
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate and unverifiable reporting of late payments on my credit file. These entries violate the FCRA, which requires credit reporting agencies to ensure the maximum possible accuracy of consumer information and verify all reported items upn dispute. Despite my efforts to address this issue directly with the data furnished, no sufficient evidence has been provided to justify these late payment entries. Their presence on my credit report continues to cause significant harm to my financial standing. I have attached a detailed dispute letter that outlines the legal violations in question and provides supporting documentation to sustain my claim. I request immediate action to investigate and correct this matter.
Product: Checking or savings account

CITI 's Retirement Plan Services in XXXX XXXX, Texas is holding my father 's IRA hostage in what appears to be an overt act of theft. He XXXX  about 5 months ago. In speaking with agents of the Texas state banking division I have been told that you have oversight over IRA accounts for huge corporations like CITI. 
It is not a large account - a few thousand dollars - and they refuse to divulge exact details about it even to my sister as estate Administrator. 
When he set up the IRA, he stated that the beneficiary of his account would be a trust established in his name. Unfortunately, as sometimes happens in these cases, he never got around to establishing such a trust. 
The front desk employees who I am allowed to talk to tell me that a more authoritative person will call me but they nobody does so. I have been sent a request for verification that I am a trustee of his ( imaginary ) trust. The front desk employees tell me that if I do n't have the papers they need, they ca n't talk to me. 
The cost of getting a lawyer involved for such a small account is obviously prohibitive, and I 'm sure they realize that.
Product: Money transfer, virtual currency, or money service

No verification of amount being sent or prior warning before finalizing transaction
Product: Debt collection

Called to verify that Genesis received my documents. XXXX from management was abusive in the form of unnecessary sarcasm and general disdain. I requested another supervisor- XXXX said XXXX XXXX XXXX XXXX. XXXX repeatedly made comments about how I owe the debt and they will continue to attempt to collect- my cease and desist??
Product: Student loan

I learned a few weeks ago some time after my Navient school loans had been transferred to XXXX that Navient reported that in XXXX, XXXX and XX/XX/XXXX that I contacted them and set up payment arrangements which is false. In XXXX, XXXX I was still in school and at that time I was not seeking to make payment arrangements just looking to finish school and I had also had been contacted by the Department of Education regarding the possibility of loan forgiveness due to misleading information from my school. Since XXXX, all of my school loans have been in forbearance due to the loan forgiveness investigation and I have only been waiting to hear how this will end. I have not attempted to set up any payment arrangements prior to after my loans were placed in deferment, forbearance, or under the investigation.
Product: Debt collection

We have received phone calls on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 from this company and I continue to call them right back to have our numbers removed from their system. They continue to tell us it will be done and they continue to call the next day.
Product: Credit card or prepaid card

Please see attached copy of our XX/XX/22 letter to three Bank of America ( " BOA '' ) senior executives. 
As explained in detail in our attached letter, on XX/XX/22, Bank of America erroneously charged our XXXX  account {$1600.00} for " XXXX PAYMENT REFUND ''. 
The charge is entirely spurious. 
Whether the spurious charge came about innocently, through a BOA clerical data entry error - or, as the result of fraud perpetrated by a BOA employee or by some outsider who duped BOA staff, there is not now, and never has been, any basis whatever for it. We neither requested nor received any such refund. 
If a {$1600.00} refund was in fact paid, it was paid to someone other than us, via an account other than any account of ours. Regardless, BOA should have, but obviously does not, maintain effective internal controls to prevent any ACH payment refund from being sent to an account different from the one from which the payment being refunded was originally transmitted. BOA management 's failure to have such controls in place is shocking and inexcusable.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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.