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

On XX/XX/2018 @ approximately XXXX I made a cash deposit through the ATM at the TD Bank Branch, XXXX XXXX. The machine took the money and then returned some. During the transaction and after keeping {$1500.00} - {$1500.00} the machine stopped an error message appeared my card was kept and no receipt given. 

I went to branch the next day and was told 3-5 days to solve, then 5-10 days now way past that time I received a letter stating there was " no error ''. I am not permitted to speak with the person making the decision, but was told they " reviewed '' the video and that's it. No documentation, no audit of the machine, no acknowledgment that my card was taken. Bottom line TD does what it wants and I'm out {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016, my account with XXXX XXXX was closed for default. Rather than sending the account to collections, XXXX  chose to forgive the debt and I was sent a XXXX. As A result, I paid Federal taxes on the forgiven debt of {$690.00}. To this day, XXXX continues to report the account balance as {$690.00}. I called requesting that the account balance be updated to XXXX, and they refused to do so. I even went as far as to offer payment for the account, which was also refused.
Product: Credit reporting

I am still tying to get a resolution from Experian. On XXXX of this year I sent Experian a copy of my identity theft police report in reference to Fraudulent Taxes that were filed using my social security number. I also sent them a copy of the XXXX Identity theft form that I filed with the IRS. They responded in Complaint number XXXX with a request to send in additional documentation to support my claim in order to consider to block this public record With XXXX XXXX Courts from my file. I sent them Via Mail a Copy of the letter that IRS sent me confirming the receipt of my XXXX Form I am attaching this letter in the complaint for your records. Still to date Experian has not responded to my request. In the XXXX notice I received from IRS it confirms receipt of my documentation for identity theft and it also states that this matter can take 180 days to resolve. There is no reason that I should have to stay 180 days which is 6 months with this record on my credit profile. I have provided sufficient documentation supporting my claim for Identity theft yet Experian continues to give me a problem in resolving this matter. I have been prevented from purchasing a home because this.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX attorney - spelled just how it is. 
i have received a email stating i have XXXX hours to take advantage of a settlement offer or other wise a FRAUDULENT CASE WILL BE FILED ON MY name .this company is threating a court case against me which i looked up and saw other complaints and also someone called the sheriff office to see it was real and was told it was a scam.
Product: Payday loan

I keep getting calls threatening jail and calling my job about a pay day loan and my job said they do n't want anymore calls. My payday loan sold this account so I do n't know who these people are.
Product: Credit card

In XX/XX/XXXX, I submittied two billing disputes to my Citi XXXX for XXXX XXXX XXXX. The two disputes were for the same service, there was an initial deposit of ( {$1100.00} ) and this one for ( {$1200.00} ) which was the final payment which I paid once I picked up the vehicle. The one for {$1100.00} was credited and successful and the second was not. The only difference between them was the categorization. After going back and forth with the CITI dispute team, it was noted that the categorization was Services not received and should have been Services not as expected.. This was supposed to be noted and inputted to the dispute by the team member I spoke to in XX/XX/XXXX, right after I submitted the dispute, but never was. The other dispute, which included the same exact proof and explanation was successful, while this one wasnt seemingly due to a categorization misinterpretation. Additionally the Citi dispute system does not allow me to change the categorization and I cant withdraw the dispute and open another one. 

I have re-attached all the proof of the conversation with the merchant, where I sent them photos and reached out and they have ignored me. In addition to the service being installed incorrectly, they have also damaged by vehicles paint. The service that I paid for was for installation of paint protection film on the vehicle, which is a clear wrap to protect the paint from road debris and protect the paint. As noted in my messages to them, they damaged my paint and all the film was lifting and bubbling. Once again, all of this is shown in the images attached. During this whole process, the merchant ONLY reached out to me on XX/XX/XXXX, and I am still awaiting there response to this day. 

The CITI supervisor I spoke to, in XX/XX/XXXX, credited me {$250.00} for the " Inconvenience '' and told me there was nothing to be done. I can't submit another chargeback and they can't change the category. This is very frustrating, as I now just lost almost {$1000.00}
Product: Credit reporting or other personal consumer reports

Fraud and identity theft. Police report and FTC report submitted several times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 

ACCOUNTS : XXXX XXXX  Accounts : XXXX XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Today XX/XX/2020 I reached out to Ability Recovery to satisfy a debt. This debt was accrued due to false, misleading information from XXXX University which led to me attending classes. After learning of the misleading, false information I ended my relationship with the institution. At that time {$5000.00} was charged to my account. To prevent negative information from reporting to my credit I began making payments as I can recall, because XXXX will not provide me with billing information I paid the account down {$3700.00}. XXXX sold the account to a collection agency and they are charging in access of {$700.00} I am still making payments and inquired in the {$700.00}. The representative immediately became rude and said I was giving him a hard time and hung the phone up. No one will tell me where the {$700.00} was applied. REP. XXXX informed they do not charge any fees and to contact XXXX to see where the money was applied. I attempted a conference call XXXX informed he cant do third party calls. No on will provide me with any information on the money I already paid towards the account and they are tellling me its just cheaper if you pay 2700+. Also I am currently making payments towards the account they continue to hang up as soon as they answer the phone and XXXX told me to get a life and pay my bills.
Product: Debt collection

On XX/XX/2020 I was approached but someone from Ratchford Law Group PC at my residence. I was handed a letter and was told that I was being served and that I had to make payments or criminal charges would be brought against me. The letter states that I owe XXXX XXXX XXXX {XXXX}. Under ( 15USC1692f ) a debt collector may not use unfair or unconscionable mean to collect any debt! This is the first violation. The second violation with this is ( 15USC1692e ) false or misleading representation. This letter states I owe {XXXX} but my credit report states I owe XXXX XXXX XXXX XXXX This is a clear violation and shows that this company is attempting to collect a a false amount from me that is not owed or had been validated. Under ( 15 USC1692 ( d ) no debt collector can engage in any type of harassment to abuse to any human with the collection of a debt. As I stated, someone from this company was at my home and threaten to purse criminal charges if I did not pay. Furthermore, this letter also has many violations of my consumer rights. Please find this letter attached.
Product: Vehicle loan or lease

My complaint is about a leased vehicle where my insurance company paid the bank approximately $ XXXX more than the value of the vehicle after it was declared a total loss. 

My wife and daughter were in a hit and run accident. My wife was the driver and was found to be at no-fault. The vehicle was a total loss. It was leased from US BANK in XXXX XXXX. XXXX XXXX settled and sent a check directly to US Bank for an amount that is more than the value of the vehicle when it was leased to us 13 months ago. The lease shows that the agreed upon value of the vehicle was {$50000.00} ( Gross Capital Cost ). However, I also have a statement from US Bank dated XX/XX/XXXX that states that if I were to purchase the vehicle, the pay off amount was {$45000.00} I had just renewed the registration in XX/XX/XXXX and within the 13 months prior I purchased a few after market products that were installed in the vehicle for approximately {$1700.00}. All of our add ons, except for one item ( worth {$53.00} ) were still intact despite the accident. Receipts for those purchases were sent to our insurance company. XXXX paid the bank {$54000.00}, which if based on the pay off amount on the XX/XX/XXXX statement is {$8200.00} more than what it was worth 13 months ago. 

My wife and I reached out to the bank about the overage to find out if they would send it ( or a partial amount ) to us but they said we are not getting any refund from the settlement check, and they claim that we are not entitled to any amount at all. We called the bank and the insurance company and they are pointing fingers at each other. The bank can not point out the provision on the lease contract that states they are the entitled to the surplus amount and we were told to contact our insurance company. XXXX said they were told by the bank to send them the full amount and at that point there was nothing they can do. 

I believe the bank and insurance company 's actions were unjust and unethical.
Product: Debt collection

I received notice to pay a medical bill for XXXX XXXX  back in XXXX. I paid the entire amount owed on XX/XX/22 in the amount of {$310.00}. I continued to received collection notices from XXXX into XXXX, ending with a XXXX notice and threat to send to collections. I called them on XX/XX/22 to let them know I had already paid, online through the XXXX portal on XX/XX/22. They called back on XX/XX/22 and left me a message that they received the payment. On XX/XX/22, I receive a debt collection notice from Transworld Systems , Inc for this debt to XXXX. I called TSI on XX/XX/22 and explained that I had paid this on XX/XX/22, they said XXXX will send an update about payment and they will close this out, but they have not yet received that update. I called XXXX on XX/XX/22 and left a message for a call back from a live person to discuss the incompetence with my account and that this must be resolved immediately. XXXX clearly has an incompetent billing department having sent 5 notice to pay after I had already paid the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago I put requested a fraud alert removed from my credit with XXXX  Equifax, and XXXX They have yet to do do. I need a car and my credit cant be pulled.
Product: Credit reporting or other personal consumer reports

am writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : - **Account Name : ** XXXX XXXX XXXX XXXXXXXX ( Also known as XXXX XXXX XXXX XXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( Cal. Civ. Code 1798.93 ) reinforces my right to dispute and demand the removal of fraudulent accounts. This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law. Attached documents are FTC identity theft report two forms of identification, dispute letter detailing fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an FTC Identity Theft Report to Equifax to dispute inquiries onXX/XX/2021, I received a lett

er that I will attach to this complaint informing all the inquiries that have been removed from my credit report. I checked my report right away after receiving the letter and discovered that many of the inquiries and items that the letter says that was removed are still on my credit report. When I called Equifax about the issue they said that I have to send the documents again to start the dispute process one more time. I sent another FTC Identity Theft Report to Equifax, with the disputed inquiries very clear and Equifax keeps sending me letters that they can't find my credit file even that I sent documents to prove my identity. The last letter I received from Equifax shows that all the inquiries disputed and listed in the identity theft report will stay in my report because they are factual records of file access even that they are included in the identity theft report and I received the attached letter from Equifax informing that they were removed before. Please see attached documents.
Product: Mortgage

YOUR COMPLAINT I processed a mortgage through BOA. The process began on XX/XX/2021 with a settlement of XX/XX/2021. What started as a deal with only {$7000.00} to {$10000.00} down payment ended with a down payment of over {$44000.00} or no mortgage. I believe I was a victim of mortgage predatory lending. After all the information was submitted and a conditional approval for the home was received, it was understood to qualify, a debt would need to be paid off. I paid off the debt. I also received a gift letter for {$30000.00}. I had asked the agent many times if there were any concerns. If I needed a co-signer. I was told everything looked good. The bank responded XXXX week before settlement to say I was not getting the loan because I could not get mortgage insurance. Apparently the bank had not applied for mortgage insurance prior. I needed to then come up with a 20 % down payment. After pulling that together days before settlement I was then told that I did not qualify for the promotion we original agreed on because I was putting down 20 %. I was offered the option of putting down 19 % and trying for mortgage insurance again or lose the discount. As my back was against the wall with settlement in a few days I was cornered. This left multiple people scrambling to come up with more money. My agent never offered assistance or options. I asked for a phone number to speak with the Supervisor and was told I could only email. The Supervisor responded to 4 emails one time the day before settlement. A phone number for the Supervisor was listed on the website but was not in service. To add insult to injury final approval of the loan was not granted until XXXX the night before settlement.
Product: Debt collection

I filed a police report and FTC report back in XX/XX/2021 for Identity Theft and submitted it to XXXX and they refused to remove this Item in the amount of {$16000.00}. The account was recently updated on XX/XX/2021 which is innacurate. I also challenged the company Regional Acceptance and they never responded. I dont know where this debt came from. I have always paid my bills.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent letters and receipts to XXXX that both debts have been paid in full. I also payed to delete and once i paid it hasnt been deleted. 
Both collections need to be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Detective XXXX with XXXX XXXX PD in CA on XX/XX/XXXX. He advised I was a victim of fraud. Detective XXXX   can be reached at XXXX, Case # wcpd XXXX I am also working with Det. Lt. XXXX XXXX # XXXX with the XXXX  Police Department in in MO. Detective XXXX  can be reached at XXXX, Case # XXXX. I am also working with US Postal Inspector XXXX XXXX  with the XXXX XXXX XXXX XXXX. XXXX XXXX can be reached at XXXX, Case # XXXX. I have also filed a report locally with the XXXX County Sheriff 's Office with Deputy XXXX XXXX. XXXX XXXX  can be reached at XXXX, Case # XXXX. The perpetrator is XXXX XXXX XXXX  who has been arrested and will stand trial for Identity Theft via US Department of Justice, Case # XXXX  Court Docket # XXXX, prosecutor XXXX XXXX XXXX. I understand the file has also been forwarded to XXXX XXXX FBI. As a result of this, I filed FTC Report # XXXX. Included in that report are accounts affected by the crime including fraudulant auto loan or lease XXXX XXXX XXXX, Account XXXX for amount {$72000.00}. I notified them by letter on XX/XX/XXXX that I was not responsible for these charges. Also included was fraudualnt mobile phone account Receivables Performance obo XXXX, Account XXXX  for amount {$3000.00}. I notified them by letter on XX/XX/XXXX that I was not responsible for these charges. Both companies are still reporting to XXXX. I am still trying to resolve this and could use your help please.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against ALDOUS AND ASSOCIATES Collection Agency regarding their collection practices in relation to my account with them, identified by account number XXXXAfter looking at my credit report, I see that ALDOUS AND ASSOCIATES Collection Agency has been violating my rights as a consumer under various provisions of federal regulations and statutes. 
Specifically, ALDOUS AND ASSOCIATES Collection Agency is in violation of the following regulations and statutes : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This regulation outlines requirements for debt collectors in providing validation of debts. ALDOUS AND ASSOCIATES Collection Agency has failed to provide proper validation of the debts associated with my accounts as required by this regulation.

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation pertains to the provision of written notice by debt collectors. ALDOUS AND ASSOCIATES Collection Agency has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation.

3. **12 CFR 1006.34 ( d ) ** : This regulation addresses the timing of validation of debts. ALDOUS AND ASSOCIATES Collection Agency has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation.

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This statute concerns the rights of consumers in relation to their credit information. 

ALDOUS AND ASSOCIATES Collection Agency 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit. I demand that ALDOUS AND ASSOCIATES Collection Agency cease all collection activities related to my accounts and delete the reporting of the accounts to the credit bureaus.

Furthermore, if ALDOUS AND ASSOCIATES Collection Agency believes they have provided me with proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against ALDOUS AND ASSOCIATES Collection Agency for their violations of consumer rights. I also request that you keep me informed of any developments regarding this complaint. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Phone : XXXX