23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax wasXX/XX/XXXX, but no response was ever received from them up until now. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of items that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Debt collection

collections agency convergent outsourcing is the collection agency who bought the account from the original creditor, reliant energy. it was opened as a new account in XX/XX/2019, yet i did not receive written notice until XXXX, the letter was dated for XX/XX/2019. I called and spoke with the collections agency, who stated they had sent out the only letter in XX/XX/XXXX, i then asked then why have you already put the collections account on my credit report and i have not been given my 30 days to decide what i would like to do. I was then sent another letter, stating they would like an answer as to why i was disputing the account.. I sent an email stating just as before. Received a letter today saying i am still responsible.
Product: Checking or savings account

On XXXX XXXX I was checking my TD Bank accounts and notice that my student checking and saving was in negative and when I looked into the accounts there were multiple fraudulent transactions occurring withdrawals, Debit Card purchase in person and online in the account starting from XX/XX/XXXX. It immediate contacted TD Bank customer service online. He instructed and created 3 fraud claims ; 1 for withdrawal from saving, 1 for checking and 1 for purchases. My Mother and I who are joint on the account followed up with the local branch on XXXX XXXX and additional claims were done again. We were informed that is Identification was comprised and they fraudster also had access and control of his online banking. TD bank instructed to get a Police report and also enroll into to identitytheft.gov which he did. My Son lost his bankcard and he was not aware. The fraudster depleted the accounts in 2 days and TD Bank fraud department never once try to contact us about this rapid transaction happening in the account which was uncommon and it was in a different state. We have filed multiple claims with TD Bank and they continue to deny them. To this date, TD Bank has only refunded {$820.00} of the aprox. {$4500.00} dollars that was stolen from the account. I have made many trips to the local branch with no solutions. The matter was escalated to the Reginal Manager and he has yet to contact us. I was instructed by XXXX XXXX branch Manager to write a formal complaint via letter and send directly to the Reginal Manager which was done and hand delivered to the Main Branch in XXXX with no reply. These 2 accounts were frauded out and TD Bank refuse to refund our money. My mother has been a value customer of TD Bank since taking over XXXX XXXX XXXX XXXX and currently has 8 active personal and business account along with my passbook. This is the second time my account was frauded out and TD Bank continues to deny claim even when it is blatant fraud. I would like TD Bank to refund my money. TD Bank security protection failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month I have disputed these accounts to no avail. I have not received any correspondence requesting my written consent. 

In accordance with the Fair Credit Reporting Act, the following companies : XXXX XXXX XXXX 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. State I have the right to privacy.

15. U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent.
Product: Payday loan, title loan, or personal loan

A renewal of judgment was filed, after tXXXX XXXX XXXX XXXX  years and payments totaling over XXXX}, XXXX the balance owed is {$XXXX}. Yet a letter was mailed stating the outstanding cost of {XXXX}, but the total balance is {XXXX. Another letter was mailed stating it was $ XXXX. 

XXXX practices of depriving ones rights, without due process of law are their inconsistency of practices by denial of the adequate opportunity to be heard, by improper serves Denial to disclose the original contract or if it is written they are authorized to continue accruing interest of the charged-off debt. 

XXXX does not provide monthly or periodic billing statements to validate their claim so, you never know the account status. Other than as I learned when they go to sue you again after XXXX years. 

Their statement and motto as written : The life of a California judgment is XXXX years. 
It is our policy to renew our judgments every XXXX to XXXX years indefinitely. Is intimating and convoluted form of harassment. 

XXXX has taken the same practices as XXXX XXXX, by being a third-party collector. I am not sure they are able to collect on top of interest. XXXX should have been included with the XXXX XXXX lawsuit. Because they are XXXX XXXX under a different name and collections practices.
Product: Bank account or service

My husband opened a XXXX XXXX XXXX account for our daughter with XXXX Bank. Last known statement was sent to our address in XXXX, GA in XXXX. We have since moved to a couple of different addresses and lost track of the account. Our daughter is now scheduled to graduate on XXXX, XXXX. We located the last known statement dated XXXX XXXX/XXXX/XXXX ) and called TD Bank to inquire about the funds. XXXX Bank was bought by TD Bank in XXXX. TD Bank states that they do n't have any record of our account because it must have been dormant prior to their acquisition of XXXX Bank in XXXX. TD Bank suggested that we call the State unclaimed property department in Delaware, Maryland and Georgia. I contacted the unclaimed property in the States mentioned and they do n't have any record of the account being sent to them. The State of Delaware informed me that they would need a letter from TD or XXXX Bank stating that account funds were sent with associated details before further research can be performed. TD Bank is stating that they ca n't help, because there is n't any current record of the account. This is a good bit of money and my daughter needs it desperately to get into college. Can someone from TD Bank please pull the account history from archive and explain what happened to the account.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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: Credit card

I applied Wells Fargo XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX, 2015, and got declined due to less of relationship with Wells Fargo. I do n't understand why no prior business relationship could be a credit card application decline reason. My interpretation of this credit decision is trying to force consumer apply their other products first to be eligible for their credit card approval. ( for example, banking accounts, etc ).
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of 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 shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Account Name : XXXX XXXXXXXX XXXX XXXX Account type : Secured loan Balance : {$2500.00} Account number : XXXX Date opened : XX/XX/XXXX Open/Closed : Closed Account Name : XXXX Account type : Auto loan Balance : {$10.00}, XXXX Account number : XXXX Date opened : XX/XX/XXXX Open/Closed : Closed Account Name : XXXX XXXX  Account type : XXXX  account Balance : {$2200.00} Account number : XXXX Date opened : XX/XX/XXXX Open/Closed : XXXX  Account Name : XXXX XXXX XXXX Account type : XXXX XXXX Balance : {$530.00} Account number : XXXX Date opened : XX/XX/XXXX Open/Closed : Closed Account Name XXXX XXXX XXXX Account type : Unsecured Balance : {$2000.00} Account number : XXXX Date opened : XX/XX/XXXX Open/Closed : Closed Account Name XXXX XXXX XXXX XXXX Account type : Secured loan Balance : {$1600.00} Account number : XXXX Date opened : XX/XX/XXXX Open/Closed : Closed Account Name XXXX XXXX XXXX  Account type : Secured loan Balance : {$530.00} Account number : XXXX Date opened : XX/XX/XXXX Open/Closed : Closed
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered fraudulent hard inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023, I applied on line for an XXXX XXXX credit card. I submitted the application because the offer included several perks, like XXXX frequent flier miles bonus and free checked luggage. 
Although I have a credit score of XXXX out of XXXX ( please see the Credit score attachment ) Citi bank swiftly rejected my application. Citis rejection pretexts were XXXX ) I have a high amount of unused credit and XXXX ) I have recently opened one or more accounts ( please see the attachment titled Citi rejection letter. ) Actually, this rejection is an attempt to force me to borrow directly from Citi! Since my XXXX application Ive been deluged with Citi offers for loans and even a new Citi credit card. As examples, please see the attachments Citi loan offer and Citi new credit card offer.
Product: Mortgage

In mid  XXXX , I discovered my mortgage payment which I thought I submitted  XXXX   XXXX , 2017 via Bill Pay thru the   XXXX   XXXX   XXXX   had not gone thru. I called Seterus, Inc. On  XX/XX/XXXX  I phoned the company and spoke to  XXXX  and told them my payment had not gone thru due to my error. With  XXXX , I agreed to pay the   XXXX    payment and the late charge to total an amount of {$670.00}. He asked me to hold while he did whatever was needed to conclude the transaction. I do not remember any further conversation. and I hung up. On about  XX/XX/XXXX , I made the  XXXX  payment in the amount of {$640.00} which was to reach them by  XX/XX/XXXX . On XX/XX/XXXX , I received a letter from Seterus telling me I had a late payment. I phoned Seterus on  XX/XX/XXXX and spoke to  XXXX  who told me the   XXXX    payment was used to pay for  XXXX . I told him of the XX/XX/XXXX  transaction which he acknowledged in his record. He also told me the transaction was not completed and asked why and he said because I hung up on  XXXX . I stated that I did not hang up. I then asked why if transaction was incomplete a return phone call to me was not made. This same argument I made to a Manager,   XXXX   who said they had to charge another late charge (  XXXX  ) because these were the rules. I can not believe that if a transaction is incomplete their staff are not allowed to call the customer back. This makes no sense nor is it good business. Please look into why they have such a rule. I realize this is not a significant amount, but I believe its a rip off of folks just trying to pay their obligations. Thank you   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$590.00}
Product: Credit reporting or other personal consumer reports

I had a car loan with credit acceptance 6 years ago.I was involved in a car accident and the car was totaled.My gap insurance paid for the car and my loan was paid off.I was given a voluntary repossession remark on my credit report and this has been negatively impacting my credit for 6 years.i ask that this remark be removed.I spoke to credit acceptance multiple times on the phone and they confirmed that the loan was paid off and that the car was deemed abandoned and sold at auction to pay off the remaining balance.They gave me a copy of the loan payments paid off to help me get this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under un open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

In XXXX of XXXX, we responded to an offer from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX to process a balance transfer with XXXX XXXX interest through XX/XX/XXXX for a XXXX XXXX fee. We borrowed {$11000.00} on this offer, and that amount including fee ( {$11000.00} ) appeared as the total balance on our following statement. 

As per the terms of that cards agreement, a XXXX XXXX minimum payment was required each month, beginning just below {$120.00} in XX/XX/XXXX, and declining with lower balances in following months. We set-up automated payments of {$150.00}, and XXXX of these were processed on-time from XXXX through XXXX of this year. As there has been no other activity on this card, the XXXX statement reflected the remaining balance of {$10000.00}, with a minimum payment of {$100.00} due in XXXX. 

In XXXX, we also received notice that the XXXX XXXX XXXX XXXX would transition from the XXXX XXXX XXXX to be held by FNBO ( First National Bank of Omaha ). New cards were sent, and we were instructed to re-establish access to our account at XXXX after XX/XX/XXXX, and make further payments through them to keep our account current. At the same time, our previous account access through XXXX was cut-off. 

As required, I enabled account access at XXXX, then set-up automated payments of {$150.00}, as I had with XXXX XXXX XXXXXXXX previously to meet the monthly minimums, though I switched back to manual payments after discovering problems with their AutoPay mechanism, proving it unreliable. While discussing AutoPay problems with XXXX, I also discovered that the required minimums shown on my XXXX statement had been increased to over {$170.00}, from what had been {$100.00} on the XXXX statement. At that time, I asked if this was related to XXXX  errors which had also prevented AutoPay from being set-up properly, and that they adjust the minimum accordingly, but they would not. 

I have just received my XXXX statement for this account from XXXX, and it now requires a minimum payment of double what was required previously. Continuing the discussion on this point, I was told that the minimum payment had indeed doubled from XXXX XXXX of the total balance to XXXX XXXX as part of the changes between XXXX XXXX XXXX and XXXX policies. I have made clear that I have not agreed to such a change, was not given an opportunity to opt-out of any such changes during the transition, and insisted that they uphold the terms of the original agreement for this pre-existing balance until it has run its course. They respond only that the " opt out '' period has passed, and I have no choice but to accept these new terms. 

A transcript on this discussion is attached below ( note that the responses are shown in reverse-chronological order, with the newest reply on top )
Product: Debt collection

I went on the Internet to find this debt collection agency and there is a bunch of complaints saying its a scam company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trident Asset Management {$610.00} I was a victim of idenity theft someone open accounts in my name. I notifty the company with a dispute letter and send in A ftc report it been over over 30days still no reply. They remove it then add the debt back on again.
Product: Checking or savings account

This regards BMO bank. On XX/XX/XXXX, I deposited my paycheck via their mobile app. It was flagged as fraud and they froze my account. I had to call in several times with each time being over an hour wait. Ultimately, I was told that the deposit was flagged as fraudulent and that it would take 7 business days to clear up. Today is XX/XX/XXXX and my account is still frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$630.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$450.00} XXXX  XXXX Balance : {$630.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a credit card and the reason cited was that my credit score reflected a debt that was sent for collection. I am unaware of this. When I requested my credit report, I didnt see anything about accounts sent to collection.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act this creditor ( XXXX, XXXX, and XXXX ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plan late for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased XXXX merchandise and returned the items on tracking number XXXX. I provided PayPal with XXXX and email confirmation from XXXX confirming receipt and credit issuance on XX/XX/XXXX. PayPal reverse the merchant credit provided to my account on XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Bank of America in XXXX XXXX still refusing to transfer or release funds To me .BOA persistent request to pay some type of fees,. Every time I pay thinking the deposit will be done they come up with asking for more money. This has been going on since XX/XX/year> and there seems to be no end to settling.the money due me.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I identified inaccuracies on my credit report with Experian that negatively impact my credit score. To address this, I sent multiple disputes to Experian via mail, providing all necessary supporting documentation. In response, rather than taking action to resolve the errors, Experian sent multiple stall letters without adequately addressing or correcting the identified inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( XXXX XXXX ) no contract existdebt can not be collected twice ; this against the law.

... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow.

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..