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

Hello, I bank with TD Bank. 
I made a mobile deposit on the amount of, {$1100.00}, the check deposited It was from XXXX XXXX, back in XXXX last year, The check cleared on my account but after six months td bank took the funds out of my account and told me that the reason why is because the check was deposit twice, When in reality I only deposit one time through the app. I try to fix this issue with TD bank, But unfortunately it was unsuccessful so without no options I decided to do a police report which I have attach here, td Bank did absolutely nothing to resolve the issue, they closed my account and report me for the Credit bureau. It is affecting me tremendously, Im trying to follow up with a detective but shes also not communicating with me, Im really frustrated, and I need help as soon as possible. 

Thank you!!!
Product: Mortgage

This complaint deals with a Covid-19 forbearance which I was approved for the months XXXX thru XXXX and then to continue payments as of XXXX. 
The problem is the months ( XXXX thru XXXX ) are showing up on my monthly statements as delinquent. 
I called my mortgage company and was informed that I would be getting forms to sign to have the months in questioned rolled to the end of my mortgage term. I was informed that these forms were to be sent out on XXXX. I have not received these forms. 
I stopped in to my mortgage branch after receiving my XXXX statement to make payment which showed I owed for the months XXXX thru XXXX. When I informed them of this issue, I was assured not to worry about the months that are in forbearance and that this would be taken care of on the next months statement as I should be receiving the forms to sign. 
I stopped in to make a payment for my XXXX statement and I informed them that I still have not received the forms to sign, this statement is showing a delinquency for the months ( XXXX thru XXXX ) which are to be in forbearance. I stopped in and talked to them again about this issue not being resolved. I was then informed that it would be taken care of on my next statement. 
Monthly statement XXXX is still showing delinquency, I then again went to my mortgage branch to inform them that the issue has not been resolved, again I was told it would be taken care on the next months statement. 
Monthly statement XXXX still showing delinquency and that my last payment was unapplied to my mortgage. I again went to my mortgage branch informing them of this. I was talking to a customer service rep and was given a tracking number ( XXXX ) for the forms that I need to sign to have the months in questioned rolled to the end of my mortgage term but when I looked up the tracking number it states that it's pending which means that my mortgage company has not sent the forms out for me to sign. 
Monthly statement XXXX still showing delinquency and that my last two payments are unapplied.
Product: Credit reporting or other personal consumer reports

I completed and attached my police/FTC report & ID Documents to remove the fraudulent accounts appearing on my credit file. There are 5 fraud accounts I listed on my FTC Report that is 100 % fraud and needs to be blocked/remove from my file. I contacted FTC Fraud Department and police agencies but nothing is being done. Please help as this is ruining my family`s life!
Product: Credit card or prepaid card

This is regarding my Citibank credit card ending in XXXX, ( 1 ). On or around XX/XX/2021, a payment of {$9500.00} was made to this account from a friend of mine. 

( 2 ). On or around XX/XX/2021 when I checked my account statement I found that the payment was reversed. The description is " REVERSE PAYMENT POSTED IN ERROR ''. 

( 3 ). I called customer representative on XX/XX/2021 and the customer representative told me that the payment was returned because of name mismatch and the fund was returned too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea who or what this company is. Somehow they were able to access my XXXX and XXXX  credit reports. I did not authorize either of them. I tried calling the number attached to their company on my credit report. They don't have a fraud department and no one knew how to fix the issue. No one at this company, that I do not know of, was able to resolve the issue.
Product: Credit reporting or other personal consumer reports

I noticed several inaccuracies and unauthorized inquiries on my credit report from multiple credit bureaus, which I believe violate the Fair Credit Reporting Act ( FCRA ). These include : Inaccurate Personal Information : XXXX  details, such as " XXXX XXXX '' and " XXXX XXXX, '' have been listed on my credit file without my authorization. I have no association with these employers. Additionally, my credit file contains outdated or irrelevant personal identifiers that need to be corrected. 

Unauthorized Inquiries : My credit report contains hard inquiries that I did not authorize, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX others. These inquiries are negatively impacting my XXXX XXXX. 

Disputed Accounts : Several accounts listed on my credit report are inaccurate or unverifiable, including a XXXX XXXX collection account ( associated with XXXX XXXX ), a XXXX XXXX XXXX account, and a XXXXXXXX XXXX loan that was charged off. Despite my attempts to address these discrepancies directly with the credit bureaus, they remain unresolved. 
I have taken steps to dispute these inaccuracies by contacting the credit bureaus, sending formal dispute letters with supporting documentation, and requesting an investigation. However, these entities have either failed to respond appropriately or continued to report inaccurate information, which is a violation of FCRA Section 611 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Refer to complaint # XXXX Which you closed saying you already processed this and yes same problem different collection agency and transunion. 
Transunion is reporting 2 collection accounts that were removed when another agency reported it now a new agency is reporting the same information they are trying to collect a XXXX student loan and XXXX XXXX and not actually investigating my problem Now you closed my complaint without action who do I ask for help now if you ignore the problem. 
Please re-open the last 2 complaint # XXXX # XXXX I am filing the complaint for myself and need your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX  XXXX XXXX Balance : {$30000.00} XXXX XXXX  XXXX XXXX Balance : {$40000.00} XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$510.00} XXXX  XXXX Balance : {$40000.00} XXXX  XXXX Balance : {$30000.00}
Product: Prepaid card

I am writing to formally dispute the termination of my Cash App account, which was unjustly closed on [ XX/XX/year> ], citing an alleged violation of your Terms of Service. However, after reviewing your policies and industry regulations, I believe that Cash App has not only wrongfully terminated my account but has also engaged in deceptive practices that violate consumer protection laws. 

XXXX. Wrongful Termination of My Account My account was terminated without clear, specific reasoning or an opportunity to appeal the decision. Your Terms of Service are vague and arbitrarily enforced, which is a violation of fair business practices and my consumer rights. As a financial platform handling user funds, your failure to provide due process and a transparent dispute resolution mechanism is both unethical and potentially unlawful. 

XXXX. Unauthorized Use of Consumer Data for Stock Market Trading Furthermore, I have reason to believe that Cash App has engaged in undisclosed stock market trading using consumer financial data and activity without obtaining proper consent from users, including myself. If this is the case, this constitutes a serious breach of consumer trust, data privacy laws, and financial regulations. 

If Cash App has leveraged users ' financial activity for internal or third-party stock market trading without explicit user consent, such actions may violate the Consumer Financial Protection Act ( CFPA ), Federal Trade Commission ( FTC ) guidelines, and other relevant financial statutes. 
As a financial services provider, you are required to disclose how user data is used, particularly if it involves market activities that could result in conflicts of interest. Failure to provide full transparency is deceptive and potentially fraudulent. 
Moreover " Cash App attempted to avoid many of its investigative obligations through tricking consumers with its Terms of Service. For example, many Cash App users link their bank account to the app. When a transaction occurs, the money is pulled from the users bank account and sent to the transaction recipient. In Cash Apps Terms of Service, consumers are led to believe that disputes are the responsibility of their linked bank. The Electronic Fund Transfer Act generally requires that peer-to-peer platforms, including Cash App, investigate disputes of unauthorized transactions, and a company can not simply use fine print to escape these legal requirements. When it did conduct investigations, Block used intentionally shoddy investigation practices to close reports of unauthorized transactions in the companys favor ''. CFPB has sued Block Inc/Cash App and in its recent publishing they have failed to change its terms and services as requested from the Bureau and still continues to this date to not follow through on protecting consumers rights under applicable laws.
Product: Checking or savings account

Back in XX/XX/XXXX, I started to pay for a XXXX trip with XXXX. I finished paying for it in XXXX. Unfortunately in XXXX XXXX stopped operations and cancelled all trips without refunds. They told people to contact their banks for refund. XX/XX/XXXX I contacted my bank XXXX and was told it wouldnt be a problem to do the dispute at first and later was transferred to someone else and told it can not be done. I cant contact the merchant at all. I have trusted XXXX to help me but they refused numerous times. I dont believe they have done all they could for me because i know if it was them or a family member who lost their money with a company they would fight to get it back. I still dont understand why im not protected from this transaction when i cant reach the merchant and have lost {$1000.00} when I have no product or services. I feel like that transaction was FRAUD. I have seen numerous people get their money back from XXXX due to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that was closed on XX/XX/XXXX approximately to a XXXX balance. It is reflecting late payments in XXXX of XXXX and XXXX of XXXX as far as I could see on XXXX XXXX. Another Credit report which I have submitted screen shots for shows more late payments on different dates. 

I have called XXXX XXXX XXXX ( XXXX XXXX and spoke with them and they stated it was closed out then and not further action has been taken. Since this has reported time and time again. I am unsure if they have been furnishing the other institutions with incorrect data. 

I have disputed this problem with XXXX time and time again. TransUnion is also in violation of this. They aren't doing a proper investigation into this and are reporting incorrect information purposefully.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX someone called CitiBank ( BestBuy Credit Card ) and claimed they were me and had my address changed on my credit card account to an address in another State which I have no association with. I was alerted to this information on XXXX through XXXX XXXX XXXX ( which is really XXXX XXXX as the change of address had been reported on my credit report. 

I immediately contacted XXXX where we were able to find out the change came through CBNA ( CitiBank ). I then placed a freeze on my credit and contacted CitiBank directly. 

When I spoke with CitiBank I found out the person calling in just used my name and the last four digits of my social security number and was able to change my address. Nothing else was changed ( phone numbers, etc. ). No one at CitiBank ever contacted me through any of the channels provided to them XXXX phone call, txt, or email notification, etc ) regarding the change, nor where any of my three security questions ever asked to the person changing my address. The person I spoke with at CitiBank was able to give me the last 4 digits of the phone number that made the call but was not able to provide the entire number and said I would need to speak with the CitiBank Fraud Investigation Dept on Monday. At the time of this call I also had the address changed back and had new cards issued. 

After I ended the call with CitiBank I immediately locked my credit with all three reporting agencies. While I was examining my XXXX credit report I also saw the change of address and an inquiry from XXXX XXXX  XXXX GA on XXXX that was not related to any credit that I was applying for. I contacted XXXX XXXX and I was given another address in GA XXXX different than thXXXX XXXX on my credit report where this inquiry came through ). There was a phone number for the bank on that inquiry and I believe it belongs to a representative in their XXXX FL office and I called it and left a message on their voice mail. I have not heard back as of yet and will be following-up today. 

This morning I contacted the CitiBank Investigation dept to find out more information and they would not provide anything and were basically not interested in pursuing it any further since as of this date there has been no fraudulent activity on my card. 

In my opinion CitiBank was negligent in their duties to me as their customer for not contacting me to alert me of the change of address. I had to find out through my XXXX XXXX XXXX of the change. It's ironic that CitiBank is the first credit card to deny payment whenever I travel and go to buy a {$10.00} item with my credit card when traveling out-of-state and then immediately send me a fraud alert email or call me. Here my address was changed on my credit card which affected my credit report and I was never contacted!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an unfortunate victim of identity theft which has since been reported to both Experian as well as XXXX Card by means of a notarized affidavit which serves as a legal document to my identity theft as well as my police report. The initial request was granted, the fraudulent account was deleted but then 2 months later, wrongly re-added to my credit file. My most recent request dated XX/XX/19 asked that the fraudulent information on my credit report resulting from identity theft be blocked/suppressed within 4 business days pursuant to Section 605B of the FCRA.

Also, I have sent in numerous requests over the past year and a half to Experian as well as XXXX Card demanding that they show me Verifiable proof ( an original Consumer Contract with my signature on it ) which has yet to be provided and has been met with much resistance. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise anyone paying you for reporting services could fax, mail or email in a fraudulent account. Under the FCRA, the unverified account must be removed since no one has provided me physical verified proof. 

According to the Fair Credit Reporting Act, Experian and XXXX Card have violated 2 clear and established laws and have shown gross negligence and complete disregard of my rights as a consumer. At this time, I demand that the account information reporting on my credit bureau under Account # : XXXX XXXX XXXX, be deleted effective immediately and permanently.
Product: Credit card or prepaid card

Made purchase from XXXX on XX/XX/XXXX XXXX # XXXX purchase price {$960.00} Item was not received. Many messages back and forth with seller, seller claimed, they had photos of delivery. and signature confirmation. Item was not delivered so I requested the photos and signature the seller claimed they had. The seller did not provide any documentation. Only told me the item was delivered. 
The XXXX tracking number clearly shows the item did come to XXXX Florida but was not delivered to my shipping address but ultimately delivered back to the seller in XXXX California on XXXX at XXXX XXXX. 
on XXXX I opened a dispute of the charges with Discover Card with which is the card I used for the purchase. I was issued a temporary credit on my account for the charge. On XX/XX/XXXX Discover card sent me a decision on the dispute and claimed the charge was valid and reinstated the charge back to my card amount {$960.00}. 
On XX/XX/XXXX I called Discover card to discuss the matter, they requested that I upload additional documents, I did. They told me they would take a 2nd look at the dispute. On XX/XX/XXXX I received an update from my Discover card account that the transaction has again found to be valid. On XXXX I spoke with a customer service rep from XXXX, they reviewed my case on the phone and in less than 1 hour they agreed that the tracking number shows the item was not delivered to me but to it was delivered back to the seller. They told me this was clearly a case of fraud by the seller and that XXXX, com would be launching an investigation into the sellers fraudulent sellers actions. I have called Discover Card customer multiple times, a have not received a resolution from them.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX i was evicted for the amount of {$920.00} and {$11000.00} is showing on my credit report as what is owed, I have went the legal way of submitting letters and I have tried disputing the charge, I am now pregnant and Im not able to get any housing because of this charge.
Product: Credit reporting, credit repair services, 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, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I made a payment receipt XXXX to my credit card XXXX on XX/XX/2022, but the payment is not reflected in the statement, now I have interests and and the principal unduly charged in my statement. 
There is an unresolved dispute with XXXX since 1 month ago.
Product: Vehicle loan or lease

I will list out all issues below to detail the extent of the fraud TD Auto Finance has committed. 

XX/XX/XXXX- Purchase used XXXX XXXX. Approximately XXXX XXXX loan began. 

XX/XX/XXXX- I am married and my last name changes. TD Auto Finance is notified with required documents and fails to change my name on the title for the next 4 years. We are not made aware of this until XXXX. 

XX/XX/XXXX - I move from XXXX XXXX XXXX The car title is switched. TD Auto Finance is sent the first notice that the original XXXX XXXX title must be sent to the state of XXXX They ignore it. 

XX/XX/XXXX - I receive notice from the state of XXXX they still haven't received the title. I reach out to TD Auto Finance and send them the relevant request for the title a second time. They ignore it and send a photocopy. 

XXXX XXXX XXXX. - I call or email them about every other month to be handed lie after lie that it is being processed. Nothing happens. 

XX/XX/XXXX- I can not renew the registration of the car because XXXX  has not received the title. I call to inform them I will be forced to drive the car illegally due to them and will be withholding payments. Note : the loan never enters default because I had paid some in advance. 

XX/XX/XXXX- We are informed for the first time nothing happened because the name was not changed on the title. We send relevant documents again and are told it will be taken care of. It is not. We also send the documents to send the title to XXXX AGAIN. This is estimated at the XXXX or XXXX time by this point. 

XX/XX/XXXX- We are fed up with the lies. I pay the balance due in full of approximately XXXX XXXX. The loan is paid off. We receive a payoff letter in XX/XX/XXXX. 

XX/XX/XXXX- We get a letter from the state of XXXX  a title was received with an incorrect last name. We send relevant documents to change the name. 

XX/XX/XXXX- We send an email to TD Auto Finance demanding the title be sent to us or we be notified of it's location. The only response we get is " a different department will help ''. They never do. 

At this point the car has not been registered legally for 6 months due to the actions of TD Auto Finance. We can not do that until we have the title. The loan has been paid in full for nearly 3 months and I do not have a title in hand. I am at a loss of where to turn other that to hire an attorney. I am hoping the CFPB can help crack down on the predatory lies of TD Auto Finance first. Thank you.