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

I woke up to a voicemail from my TD banks NA, on XXXX XX/XX/2024 about my ATM card being used for several transactions 4 transactions were processed and the rest were denied. I immediately called the bank and asked them that that was not me. They mentioned that I can not dispute the transactions unless they are posted. I waited two days and then filed the claim and told them all the details. I never used my card for cash withdrawals or in supper markets. And the two transactions was of super markets and two for atm withdraws, I am ready to share all my statements to prove that. 

I found out that from a customer services agent that one of my TD atm card was mailed to my address in Virginia knowing that I have already changed my address in their records, they also said that the auto renewal system sometimes doesnt update the address. I suspect that might have caused the compromise of my card. 

I really am lost. What to do to prove to them that it was a total failure of their security that they promise when you open an account with them. They always show that they are FDIC insured but it seems that they are just selling their products. I will really appreciate your help in this regard.
Product: Credit reporting

fraudulent inquiries/ XXXX XX/XX/<YYYY> bank XX/XX/<YYYY> XXXX bank XX/XX/<YYYY> bank XX/XX/<YYYY> XXXX XXXX XXXX XX/XX/<YYYY> XXXX XXXX XXXX XXXX XX/XX/<YYYY> XXXX XXXX XXXX XXXX XX/XX/<YYYY> XXXX XX/XX/<YYYY> XXXX XX/XX/<YYYY> XXXX bank XX/XX/<YYYY> bank Delaware XX/XX/<YYYY> XXXX XXXX XX/XX/<YYYY> XXXX XX/XX/2015XXXX XX/XX/2015.
Product: Credit reporting or other personal consumer reports

Unauthorized credit inquires on my credit report i have no knowledge of. 
ONEMAIN FINANCIAL ( Finance ) XX/XX/XXXX ONEMAIN FINANCIAL ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, XXXX are reporting incorrect information my credit reports. I have asked them to removed these items off my report and are refusing to do so. I did not open these account and I have no choice to report these issues because I'm a victim of identity theft.
Product: Credit card or prepaid card

I received a promotion from my credit card stating if I used their checks I would get a 6.99 % XXXX in bold. So I used the checks on 2 purchases on XX/XX/27 instead of using my card. I then noticed yesterday when the checks posted on my account they charged me a large transfer fee to use them. I contacted the company and they said its in fine print they would charge a fee. Everything else was in bold but that. 
I said I would pay the total in full immediately if they reversed the fee and they said the only way they would do that is if I went to the retailers bank and got the check back. They wouldnt explain how I could do that and the banks say there is no such thing. Their advertising is VERY misleading as I would have just used my card itself or paid cash. Why would I have used them if I was going to be charged.
Product: Debt collection

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine... I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2.

I have recently obtained a copy of my credit bureau report. The report showed a credit collection/chargeoff in your company 's name. Be advised this is not a refusal to pay OUTSTANDING Until verification or the result of the investigation is completed and sent to the individual, we request deletion ( s ). If you are unable to provide me with the proper PROOF ; then you must stop attempting to collect this alleged debt and remove it immediately from my consumer reporting agencies ( CRAs ).
Product: Debt collection

JH Portfolio Debt Equity  is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several  XXXX  e-mails and letters to the company including the company CEO explaining the debts are not owed.  XXXX   XXXX  refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on.  JH Portfolio  has issued trades lines on my credit bureau listing.     Additionally, complaint  XXXX  was filed on   XXXX   XXXX   XXXX     against  JH Portfolio.      The companies response was they would validate the account. JH has failed to provide any type of validation, nor has sent any notice that a debt is owed to JH. JH responded to the complaint on   XXXX   XXXX   XXXX    , and  XXXX  days have now passed without any type of debt validation.
Product: Credit reporting or other personal consumer reports

The account was placed a charge off and closed 2 years ago but shows as a fresh charge off, and closed as of XXXX
Product: Payday loan, title loan, or personal loan

My boyfriend and I applied for a loan on XX/XX/ for a dog. The breeder suggested XXXX companies for a loan. We applied at both and XXXX got back to us first. They gave me a loan for {$1900.00} and my boyfriend 's was {$2100.00}. We both had our own loans and loan paperwork. At the time of signing the paperwork we never received copies of what we signed even though we were told we would. My loans was set up for by weekly payments of {$110.00} automatically taken from my bank account. By end of XXXX, I had made 10 payments to the loan. At the time, I decided to check the balance to see how much the principal had changed. When I logged into my account. The loan amount had only changed by {$50.00} when I had assumed it was half way paid off. When I started looking at the website that is when I noticed the interest rate of 138.97 % which concerned me. I reached out to XXXX to try and ask questions and I wanted to get a copy of the paperwork, I explained I could not find the paperwork online. The representative told me they couldn't send me my loan contract through email. I told them I wanted it mailed and emailed. But I wanted my paperwork. They continued to argue with me and said I could get it online and I told them it was broken. Which as I kept explaining was not an option. At some point they agreed to mail it to me and I think I received it 2-3 weeks later. When it finally came it wasn't at all what I expected or agreed to when we had started this process. It shows an APR of 138.97 % and total payments of {$5700.00} and a daily interest rate buried in the paper of .3807 %. Which I never would have agreed to. When I called back to dispute the loan and explain something was wrong. They argued with me and failed to listen or help me with my issues. After the conversation, I immediately went to my bank to close my bank account so that no more payments would be made. They finally called me in maybe in late XXXX and XXXX wanting my payment. I again tried to discuss the loan to understand why the all my payments when to interest and didn't touch the principle balance. But all I got was the run around and a request for another payment. I told them I would not pay without a clear understanding of the loan so they said they were going to turn me over to collections. I never received a call from anyone, not them again or a collections company! Now after reviewing my credit report I see a company called XXXX charged off {$4600.00}. I definitely do not understand that dollar amount. Or this whole process. This has been a nightmare and I'm not sure how to fix it. I feel taken advantage of an deceived. And now they have ding my credit. Prior to them lying and deceiving me I had great credit over 700. This experience has really taken a toll. I have never not paid my obligations.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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: Mortgage

I made a payment to restore the mortgage for {$10000.00} as required based on the statement provided, however the monies were not applied to the outstanding balances also there was extra monies in an overage account that I instructed to be used for payment to the mortgage payment and it was not credited. I have tried for the last month to resolve and have been unsuccessful. New mysteries charges has been added to the account and I was told that no explanation or proof of charges had to be sent to me. This is very concerning as they are more than XXXX dollars. I would appreciate support and assistance in this matter. Thank you!
Product: Vehicle loan or lease

I have asked Exeter finance to rearrange loan or lower the rate. I have been sick and they do not want to help me.
Product: Debt collection

SOURCE RECEIVABLES MNG XXXX XXXX XX/XX/2018 {$3000.00} {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX-XXXX Try to contact with company with mail / disputes to verification letter they never respond or sent me any info about the debt and they are reporting to credit brues as collection but i have no idea baout that i need them to sent me verification of debt not verified or you owned that i want actual paperworks to verify that info or remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed the account and was notified the account would remain. No other info was provided. I called and was able to get information about the account. It is for XXXX account in California. I have proof of residency and employment history that shows I have never lived in California and the account is not mine. On XX/XX/XXXX I disputed the results with said information and again was said to remain. No proof has been given that the account is mine. 

On XX/XX/XXXX I filed a complaint through this system complaint id XXXX Because I got the government involved, Experian removed the account from my credit report as they have no proof it is my account. I imagine the account either has a name similar to mine or close to my SSN - but it is not me. 

The end of XX/XX/XXXX the account has returned back onto my credit file. I disputed and received the results would remain on XX/XX/XXXX despite providing the information from previous disputes. 

Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
Product: Debt collection

I was reviewing my credit report and i paid the collection account for {$140.00} with XXXX XXXX XXXX XXXX and Kings Credit Service has verified that, i have the call recorded. Yet it still shows as a debt on my XXXX credit report. When i went to see them in XXXX, the VP of operations told me that they report to the bureaus on the XXXX of each month. She assured me that it would be correct by XX/XX/XXXX. I checked in XXXX it was still there. I called tonight ( XX/XX/XXXX ) to ask why do i still owe and they said that i didn't owe anything. If they are going to be diligent with regards to reporting debts, they should be as diligent with removing it.
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. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/2016 Balance $ XXXX Late Dates XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been the victim of identity theft and data breach. 
As a result, there are fraudulent accounts and inquiries appearing on my credit report. I am requesting that all of the accounts and inquiries listed below be blocked and deleted from my credit file as provided by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX XXXX sent {$5300.00} to my savings account at Bank of America. The funds were put into an incorrect account. 

For the last XXXX months both the insurance company and I have been trying to get the error corrected. I had finally hired an attorney in XXXX or XXXX to assist in getting the issue resolved. 

We did discover that the Bank did put the funds into an incorrect account without verifying the owner of the funds and refused to provide the information as to who owned the account or to refund the funds deposited to the wrong account. The attorney advised that it would to expensive to pursue litigation. At that point I contacted my state representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries are on my XXXX report & I have made multiple request to have these inquiries removed. The credit report agencies have not fully investigated properly and the inquires continue to hinder my ability to obtain a home loan. The following hard inquiries are not authorized and need to be removed : XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Flagship Credit XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Warning Regarding Stall Tactics in Credit Dispute Investigations To Whom It May Concern, I am writing to formally notify you that I am fully aware of the use of stall letters as a tactic to delay the proper investigation of credit report disputes under the Fair Credit Reporting Act ( FCRA ). I want to be clear that any attempts to use such tactics will be considered a violation of my rights as a consumer under the FCRA. 
I have provided all the necessary documentation to verify my identity and the legitimacy of my disputes, including [ list documents : copy of ID, social security card, proof of address ]. 
Therefore, I expect that my dispute will be properly investigated within the timeframe mandated by the FCRA. 
FCRA 1681i requires that credit reporting agencies conduct a reinvestigation of disputed items, and failure to do so in a timely and thorough manner will result in a legal response to protect my rights. I will not tolerate any attempts to delay or avoid a legitimate investigation through the use of unnecessary or unwarranted stall tactics. 
Please ensure that this matter is handled swiftly and in compliance with federal regulations. 
If my rights are violated again by any further stall tactics, I will pursue legal action to seek appropriate remedies under the law. 
Thank you for your prompt attention to this matte
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft someone got my information and opened up lots of accounts in my name XXXX, XXXX XXXX, XXXX, XXXX those account don't belonged to me and would like it to be removed
Product: Debt collection

XXXX XXXX XXXX XXXX IS REPORTING THIS MEDICAL DEBT IN THE AMONT OF XXXX SHOWING OPENED WITH DIFFERENT DATES. THE LATEST IS DATE OPEN ON XXXX XXXX. XX/XX/XXXX. THEY FIRST REPORT IT AS DEBT COLLECTION WITH AN OPEN DATE OF XX/XX/XXXX. I HAVE TRIED TO EXPLAIN THAT THIS WAS A DISASTER SITUATION WHEN THE PANDEMIC HIT XXXX I WAS XXXX IN THE HOSPITAL WITH XXXX WHICH BY THE WAY WASS THE WORST EXPERIENCE OF MY LIFE AND ALL THESE BILLS WERE SUPPOSED TO BE COVERED BY THE HEALTH INSURANCE I HAD AT THAT TIME. I HAVE REPORTED AND DISPUTED IT WITH THE CREDIT BURRUE BUT THIS ACENCY KEEPS REPORTING TO 3 CREDIT BURRUE AS WELL. THIS WAS DECLARED A FEDERAL DISASTER. I HAVE TRIED TO HAVE IT REMOVED FROM MY CREDIT REPORTS AND HAS BEEN UNSUCCESSFUL. I DON'T KNOW WHAT ELSE I NEED TO DO TO HAVE THIS REMOVED AND STOP IT FROM RUINING MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my numerous 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 an alleged fraud or extortion. XXXX XXXX. Please delete this account ASAP.
Product: Checking or savings account

hello, I have been trying to get my money back from my Charles Schwab account ( which they closed ) for 3 months. they refuse to send me the money via wire and give me no information as they allege it is undergoing a " fraud investigation. ''
Product: Credit card

On XX/XX/XXXX we spent over XXXX hour with a Citi Bank Customer Service Rep saying we wanted to discontinue our Credit Card ending in XXXX. We have XXXX auto charge for {$14.00} charged each month to XXXX XXXX XXXX we told " XXXX '' that we were discontinuing that charge. The Rep kept asking us didn't we want to keep the card as a backup and we said NO. He said he would send us an email which did not arrive until XXXX hours after the call started and we didn't want to wait until it did. He told us he would do that by phone, read the agreement, which XXXX, the primary agreed to, and then he told us it was done and we would not get the auto charge on XX/XX/XXXX of {$14.00}. We did get the auto charge just as the same thing happened when we discontinued a Citi mastercard ending in XXXX some years ago for {$15.00} XXXX charge. That time we called after XXXX month, spent a lot of time on the Phone yelling at them, and they finally discontinued the charge. 

We have the email that they sent on XX/XX/XXXX us with the agreement to close the account that arrived too late to make it useful. We also have the email with the survey asking how the Rep did and which we rated unsatisfactory on all measures and told them what had happened. We got no response. We also have the statement with the charge for XX/XX/XXXX which was not authorized as the card was closed. We can no longer sign into the account which says it doesn't recognize us. What happened to one click? discontinuing an account?
Product: Debt collection

On XX/XX/2022, I XXXX XXXX ( the consumer ) sent out a billing error notice to American Express ( 12 CFR 1026.13 ) pertaining to periodic statements I received from the financial institution. American Express has yet to disclose the Finance Charge. 12 CFR1026- Truth in Lending Act ( Regulation Z ) was put in place to protect people when they use consumer credit.

After receiving a response from American Express about the billing error notice American Express informed me that they would be investigating my dispute. American Express replied to the consumer using the online portal to inform me that he was not responsible for the balance of {$4000.00} while the investigation was being conducted. Upon the conclusion of the investigation, American Express sent the consumer a response informing him that everything was correct in accordance with the card member agreement. American Express stated, the interest charges and the late payment fees are correct in assesses to the account as per the terms and conditions of your card member agreement. 
American Express is calculating the consumer 's credit use within the periodic period and making me either pay the full amount of credit being used or a minimum amount for the credits used by the consumer and adding interest onto the balance without disclosing the APR or finance charge. 
American Express disputed what the consumer is stating and now claims that the consumer owes a new balance of {$6.00}, XXXX regarding the consumers account. 
American Express is attempting to collect a debt by deceiving the consumer of the character amount of any debt 15 U.S.C. 1692e. 
Respectfully Submitted, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked that incorrect addresses be deleted from my report and they were not. 

I currently live at XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

With each bureau, I disputed inaccuracies with how the account shows on my reports. ( XXXX  XXXX XXXX ) Ive requested for the account to be deleted due to the inaccuracies but each time, it only updates the account. The inaccuracies are as follows : Last payment reports as XX/XX/XXXX when two reports reflect XX/XX/XXXX as the last payment. Account status reflects PAID on a report and In Collections/Charge Off on another. On XXXX, it reflects as Paid in Settlement. The Times 30/60/90 is inaccurate. On one report, it shows XXXX. On another, it shows XXXX. 

No action has been taken to delete the account when inaccuracies are being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the XXXX company and to the credit bureaus for the late on my report that is incorrect. I received a response from the bureaus that it was deemed correct. And i am asking that the last 30 days late be removed from the report. The late was XXXX XXXX, and also XX/XX/19.