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

I am writing to address the ongoing dispute regarding the XXXX  fees incurred on account ending in XXXX, as outlined in your recent letter. It is imperative that I bring to your attention the inaccuracies and discriminatory practices evident in your response. 

First and foremost, I must emphasize that the XXXX  fees in question were wrongfully charged due to TD Bank 's failure to protect the account holder. 

Despite assurances from your fraud department that we would not be held responsible for the disputed transactions, TD Bank continued to allow XXXX  fees to accrue. It is evident that the negligence of TD Bank, particularly in allowing fraudulent mobile deposits, directly led to the accumulation of these fees. 

Moreover, it is deeply troubling that despite providing evidence and assurances from TD Bank representatives, including the local branch manager and the fraud department, that we would not be held accountable for these fees, you persist in targeting us for payment. This persistence, in the face of documented assurances, raises serious concerns about TD Bank 's discriminatory practices. 

Furthermore, the assertion that legitimate charges for streaming services and XXXX transactions should result in XXXX  fees is unfounded and demonstrates a lack of understanding of the situation. These charges only add up to be {$110.00} dollars during the time the fraudulent mobile deposits were issued and should not have resulted in additional fees in excess of {$630.00}, particularly when they occurred during fraudulent activity that TD Bank failed to prevent. 

It is abundantly clear that TD Bank 's actions have caused significant financial hardship and reputational damage to my sister and me. We demand an immediate refund of the erroneous XXXX  fees totaling {$630.00}, along with the removal of these charges from the account balance to reflect the correct amount owed. 

Additionally, I must express my dismay at the racial targeting evident in TD Bank 's handling of this matter. The continued insistence on holding us responsible for fees that are clearly not our fault, despite assurances to the contrary, is unacceptable and can not be overlooked. 

We expect TD Bank to honor its commitment to excellence in customer service and rectify this situation promptly. Failure to do so will leave us with no choice but to escalate this matter further. 

I urge you to review the facts presented and take immediate action to resolve this dispute in a fair and equitable manner. 

Thank you for your prompt attention to this urgent matter. 

Sincerely
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit 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 consists of hard inquiries, fraudulent employment, addresses, and closed accounts. 
There are hard inquiries from XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX. Fraudulent information as far as employment from XXXX reported on my consumer credit report. There is a fraudulent address reported on my credit report ( XXXX XXXX XXXX, XXXX PA XXXX. There are several closed accounts reported. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US 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 or other personal consumer reports

I have consulted with an attorney who assures me that the FCRA requires CRAs to provide free reports, including online, but does NOT allow them to condition access to an online report on disclosure of a phone number and email. However, for years, XXXX and now XXXX as well, have done exactly that, and have ignored complaints about it being illegal claiming that they can do it because I can call or write to get a report. But again, the law EXPRESSLY requires online access and does NOT limit that access to my giving personal information I do not wish to provide to companies whose entire business depends on selling my personal data.
Product: Mortgage

I refinanced my home last year with XXXX XXXX, they assured me that they never sell their loans. This XXXX they sold my loan to Specialized loan servicing. The 1st time I tried to set up online payments, I was told there was already an online auto draft set up for this account by customer service. I advised them that was not true, I could not set my online account up. That was suppossedly corrected, last month 's payment of {$910.00} went through without any hitch. This month when I tried to make my monthly payment, my payment is {$1000.00}. over {$160.00}, more than normal. I called customer service and was told that an escrow analysis was done, and it showed a shortage. I advised that they have the home address and email address, neither one was communicated that there was any sort of shortage, nor was I given an opportunity to pay any shortage. I requested to speak with a manager, I was told they only had one more hour to work and the manager is not available. That he would call me back in the morning between XXXX. No one has attempted to reach me, it is after XXXX. I know predatory lending, I have been a Realtor for 32 years now. I never had a problem with XXXX XXXX
Product: Credit reporting or other personal consumer reports

Last year I sent experian a letter asking them to update my personal information ( Name, Current Address, Phone Number and Employment ). They were also asked to remove all inquiries for they arent supposed to be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XX/XX/XXXX & XX/XX/XXXX are not responding to any of my disputes I have sent and that is against the law. I am aware of my rights and they do still have to provide results whether there is COVID or not. I have yet to receive any mail or any correspondence that they have even looked at my disputes. They are reporting serious errors on my credit file and they need to provide me results!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are false information on my report. Phone numbers on my report need to be removed. Only valid number is ( XXXX ) XXXX. 

The following need to be removed as it is inaccurate information : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd CFPB Complaint to inform the Credit Reporting Agencies that I am a victim of identity theft and I am submitting this CFPB Complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureaus provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. [ ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ] Once again, I am requesting the removal of the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX 'S XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unidentified collection account reporting to my credit report. I have reached out the the bureau on XX/XX/XXXX & XX/XX/XXXX to explain the account is in violation because it does not provide the name, telephone, and email address of the creditor. 
Please see the attached letters that were sent and a copy of the credit reporting issue.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 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 XXXX years. 

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

Hello, My father passed away in XXXX of 2023. He had a trust, of which I am the sole surviving trustee. He had a checking account in the name of the trust with Truist bank in XXXX, FL. I currently live in NY, so I made several calls to Truist in advance of a trip to Florida in XXXX to gather whatever paperwork and information I would need to transfer ownership of the account. The branch manager assured me she told me what I needed to resolve this transaction within the week I was in Florida. 
It's now XXXX and and continue to try to resolve this with Truist. The branch manager that I met with was totally incorrect with everything she had told me, and we could not transfer ownership during the visit in XXXX. I had to continue to try to resolve this via phone, email, and mail, but the bank / manager would not return phone calls or emails. I had to contact Truist on several occasions, and even though the trust paperwork was all in place and accepted by all other financial institutions, Truist would not accept the trust and made me get a letter of opinion from an attorney to settle the trust. After over a month and a half of back and forth, the account was finally transferred to my name. 
Now I am trying to close out the account and withdraw the funds. This effort is even more frustrating than the transfer of ownership. The account is now in my name but Truist refuses to close the account and send me the funds. I had to complete an entire new set of forms, get them notarized, and send via registered mail to an office in XXXX, TN. After several calls after receiving notification that the paperwork was signed for by Truist, I kept getting the runaround about needing to wait XXXX business days before they would process the paperwork. It's now been a month, and after talking to supervisors at Truist on several occasions, they now tell me my paperwork is missing due to the XXXX office closing and all business being transferred to an office in XXXX. This is absolutely unacceptable and, if it weren't a serious matter, would be comical. The incompetence and lack of customer service at Truist is ridiculous. I'm obviously getting no resolution from the bank, so I'm trying to file this complaint. How can a bank refuse to let me access my own money? This requires an investigation by a governing body.
Product: Credit reporting or other personal consumer reports

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. 

OPEN ACCOUNTS : -XXXX XXXXXXXX XXXX XXXX - {$1000.00} open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  open revolving {$590.00} XXXX XXXXXXXX open. {$740.00} credit card XXXX XXXX XXXXXX/XX/XXXX & line of credit {$320.00} XX/XX/XXXX XXXX XXXX XXXX XXXX open Mortgage {$89000.00} XX/XX/XXXX CLOSED ACCOUNTS : XXXX XXXX XXXX closed accounts XX/XX/XXXX secured Card XX/XX/XXXX XXXX for {$320.00} XX/XX/XXXX for {$740.00} XX/XX/XXXX installment account XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXX XXXX closed XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX closed XX/XX/XXXX XXXX XXXX XXXX closed XX/XX/XXXX revolving {$810.00} XXXXXXXX XXXX XXXX XXXXXXXX closed XX/XX/XXXX revolving {$0.00}
Product: Credit reporting or other personal consumer reports

18 U.S. Code 1028- Fraud and related activity. Knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification I want this matter to be investivated, and all these inquiries off my credit report. XXXX XXXX ACCT # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, TransUnion. XXXX, XXXX, TransUnion has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my vehicle loan with XXXX XXXX XXXX was paid off in full, after the loan was paid off. XXXX XXXX XXXX decided in bad faith to charge off without any balance the loan and immediately reporting to XXXX, XXXX  and Experian the Charge off. 
On XX/XX/2020 I contacted XXXX XXXX XXXX of this discrepancy and told them the account has been paid in full, to please correct the information. On XX/XX/2020 they reported on the credit bureaus the loan as paid in full/Charge off which is still false information because it is paid in full the was no amount charged off. 
On XX/XX/2020 XXXX XXXX XXXX again put false information on my file again they put the Charge off again in the amount of {$12000.00}. When they were paid {$12000.00} on XX/XX/2020. 
Another false reporting on my credit file is the date of the last payment was XX/XX/2020 when it was actually XX/XX/2020. 
The damage the was done I applied for a loan and was denied because of XXXX XXXX XXXX misrepresentation reported to the bureaus.
Product: Checking or savings account

Dear Chase Customer Service, I am writing to express my deep dissatisfaction and concern regarding my Chase CD account ( business account ending XXXX XXXX XXXX ). 

When I opened this account, I was promised a 5 % interest rate for 60 days. However, when I attempted to move my funds out at the end of this period, I found myself unable to do so. To my shock, my account was then locked in at an interest rate of less than half a percent, unless I paid a significant penalty to access my own money. 

This situation is unacceptable. Additionally, I have been hospitalized for the past month and have been unable to visit a Chase branch to address this issue in person. This experience has added undue stress to my recovery process. 

I urgently request that you unfreeze my funds and transfer them to my checking account immediately. Your prompt attention to this matter is critical, and I expect a swift resolution to avoid any further inconvenience or distress. 

Thank you for your understanding and cooperation. 

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

15 US Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The credit bureaus have reported these XXXX accounts as Updated with accurate information. 
I am still seeing inaccurate/incomplete information being reported to my credit report. 
Not only was one of the accounts satisfied by XXXX XXXX.it is reported as a Charge Off, which according to our laws represents stated Income. income can not be debt.

I have attached photos with highlighted, underlined, circled, and arrowed issues. 
I have already requested a complete update with 100 % accurate information reflecting. There is still information missing and inaccurate information reported. 
I am requesting immediate removal of Both XXXX accounts from my credit report, without prejudice. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer ( There is CLEAR inaccuracy in the information reported, but even after multiple disputes, the account remains reporting inaccurate/incomplete 15 USC 1666 ( b ) Billing error For the purpose of this section, a billing error consists of : ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( I have not received verifiable proof of accuracy, nor accurate accounting ) 15 U.S. Code 1692e - False or misleading representations ( Boasting Accuracy- Reporting Inaccurate information )
Product: Debt collection

Covid-19 happened. My business has closed because of it. 
Yes. I owed money to them and paid what they asked. Presser, felt & warshaw ( XXXX XXXX XXXX. ) has sent me a certified letter, FAILURE TO COMPLY WITH THIS INFORMATION SUBPOENA MAY RESULT IN YOU ARREST AND INCARCENTATION.
Product: Credit card

I've consistently made payments on time for this account, and it's causing me XXXX XXXX  to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situatio
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a correspondence for Sears indication that XXXX reported to them that my credit score had dropped to XXXX, when in fact my credit score was XXXX the same week. Sears responded by instructing me to destroy my credit card in which I have good credit with Sears for years. 

XXXX, also reported that I had 12 inquiries in the last 12 months. I gave no one permission but " XXXX XXXX '', XXXX XXXX XXXX XXXX in 2017 and no other. 

As XXXX has had a breech I believe in good faith that this is the result of this error in my credit.