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

I opened an account with TD Bank somewhere around XXXX. Because there were irregularities with how the bank opened/managed my financial information, and utilized my funds, I decided to close the account. The closure status date was XX/XX/2015. 

TD Bank agreed to a settlement after lawsuit involving clients who incurred overdraft fees. See TD Bank Overdraft Litigation { https : //www.tdbankoverdraftclassaction.com } I was added as a participant in a class-action lawsuit, under the class member status of Financial Regulation E and XXXX XXXX XXXX. Essentially, this class involves clients who were charged high-interest rates and had issues with debit card/financial transactions. Each class represents a different claim or situation with TD Bank. 

My account XXXX incurred overdraft fees and sustained overdraft fees during the beginning of XXXX While I contacted TD Bank for a copy of my statements, I have been denied access to these documents. I have been told to go to the nearest branch, but when I requested these documents at a branch ( XXXX MA ), I was told that they do not have access to these documents. The account was reported to debt collection agencies for a charge-off amount of {$430.00}. Some of these debt collection agencies no longer exist, and I don't know how my financial information was sold or used. 

The account was closed, after I deposited a check at TD Bank on XXXX XXXX XXXX, XXXX, MA XXXX during the early months of XXXX. The ATM machine swallowed my check, and I was unable to deposit money into the account. While I freaked out that my deposit check was stolen by the ATM machine, the staff told me that there was nothing they could do, and was asked to leave the setting. This made me overdraft my account, because I was unable to fix a negative balance. I was frustrated that I was charged overdrafts after the ATM swallowed  my check, and the staff refused to help me. Further, having no funds, I was unable to fulfill pending charges and my account was reported to XXXX for : Overdrafts, Account Abuse.
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding Zelles handling of disputes particularly in light of the recent CFBP lawsuit highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institution, and Zelle failed to investigate my discrepancies adequately they informed me that recovering lost funds was impossible and that tracking these funds were unfeasible the CFPBs indicated that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving userss vulnerable to scams This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit card or prepaid card

I was scammed using Amex. gift cards.
Product: Debt collection

I financed some jewelry using a company called XXXX. I called one day to ask when my early buy out was and how much I owed. The lady said I owed {$91.00} left on an early payment and I had XXXX weeks to pay it. When I called back 2 weeks later to pay it another person said that the early buyout ended 3 weeks ago and I had to pay to a whole other balance. I asked to speak to a manager and they seen proof I called on my file and the dates didnt match, however he would not grant me the early buyout so I stopped the payments because what I borrowed was paid plus several XXXX more. They sold the debt to another company which sold the debt to another company and now this company is calling me back to back after I said they are harassing me. They even said they contacted me on back and have surveillance of me
Product: Debt collection

My insurance company, XXXX XXXX, told me that all of my ambulance rides would be paid by them. I contacted the original biller, XXXX XXXX XXXX, to let them know and to resubmit their claIm to XXXX through the address that XXXX provided. XXXX was supposed to pay the claim. I do no have the amount in front of me, but I believe it was for {$2000.00}.
Product: Credit reporting or other personal consumer reports

The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; List Accounts and Acc # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX Account XXXX XXXX Balance : {$260000.00} Pursuant to 15 USC 1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. When did I give TRANSUNION written permission to furnish this account on my consumer report??? My social security number was used to furnish this account without my written permission on my consumer report. That is the definition of identity theft. 15 USC 1681Q Obtaining information, Under false pretenses. Any person ( PERSON- definition ) - Any individual, partnership, corporation, trust, estate, cooperative association , government or governmental subdivision or agency of entity. That is the definition of IDENTITY THEFT. 15 USC 1681C 2- Block of information resulting from identity theft EXCEPT or otherwise provided in this section A consumer reporting agency SHALL BLOCK the reporting of any information in the file of a consumer that the consumer identifies information that resulted from an alleged identity, not later than 4 business days after the date of the receipt by such agency
Product: Credit reporting or other personal consumer reports

Called Experian CREDIT REPORTING Agency, THAT THERE WEBSITE IS NOT ALLOWING YOU TO SUBMIT A DISPUTE REGARDING COLLECTION ON MY REPORT. AS PER THERE REPRESENTATIVE THE WEBSITE NOR THERE COMPANY IS NOT ACCEPTING ANY DISPUTE AT THE PRESENT TIME. TO CALL BACK IN 7 DAYS OR MORE.
Product: Credit card or prepaid card

Hello, i purchased a online drop shipping course on XX/XX/2021. The company claims the info in the videos contains " sensitive material. '' However, the person who teaches the course, is also teaching it for free on XXXX. The person has multiple videos on his channel and even has a video titled " Complete XXXX  tutorial for beginners XXXX  '' Upon purchasing the course i only have watched the first video and realized the guy is teaching this for free on XXXX. So upon realizing this, i contacted the company for a refund and the customer service rep stated if someone has watched less than 20 % of the course they issue a refund and stated that i have watched 42 % of the course, which is not true. I can login in the website and all videos have a tracker of which ones i have watched. Only the XXXX one has been watched. Once the rep told me he won't issue a refund, i filed a dispute on XX/XX/2021 with my credit card company. Since then i have been laid off, contracted XXXX twice and XXXX XXXX and had to move because of job. By this time it was around XXXX and i realized i never got an email stating the resolution of my dispute. So i contacted my credit card company again and they filed a new dispute. After filing the dispute, i got an email stating my dispute has been cancelled because there is already a dispute pending. From what i understand, dispute must be resolved within 90 days, it obviously has been longer than that. I contacted the credit card company again and they filed a dispute again. I submitted the documents necessary proving my case, i will be attaching the same document here as well. After 2 months, i received an email stating my dispute has been denied because there isn't enough evidence. Which is surprising considering i have attached a lot of evidence regarding the matter. i contacted my credit card company again and asked them to provide me with documents that were used to make this decision and they emailed me the same email I received originally stating there isn't enough evidence. You would expect the company to ask for specific relating to the matter but no its just a vague sentence. I asked them i would like to appeal the decision and the credit card rep told me they don't do that and i would have to file a dispute again. From what i understand, according to the law i have a right to file an appeal but somehow they don't do that here. I will be attaching a document with more specifics in the below section which contains all the evidence proving my point.
Product: Credit card

Dear XXXX XXXX XXXX and XXXX XXXX XXXX, I like my Capital One products but there is a personal issue that is partially unresolved. It is partially resolved because Capital One was able to make monetary restitution to a credit card insurance scheme that I was paying. Capital One made misrepresentation of material fact by selling me products that supposed to cover credit card payments if I am unemployed or disable. I am currently having a successful career. However, I went to a very difficult time when I was experiencing hardship by being unemployed and collecting unemployment benefits. During those difficult times, I qualified for benefits as described under the terms of the Capital One benefits agreement. I was being harassed by Capital One on my cell phone to make payments. Some of those collection reps were condescending and rude. Maybe, it was a language barrier problem. They did not want to consider that I have insurance benefits that cover that type of hardship. 

Thank you.
Product: Credit reporting or other personal consumer reports

Credit Dispute Letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account Dispute XXXX Dear XXXX XXXX XXXX, q This letter is to formally dispute the credit reporting activity on my account # XXXX I am writing to inform you that my account was included in a recent class-action lawsuit settlement regarding XXXX XXXX lending practices in New Jersey . As part of the settlement agreement, XXXX is obligated to delete all references to this account from all consumer reporting agencies.

Legal Basis for Dispute Class Action Lawsuit Settlement : Please be advised that this account is subject to a class action lawsuit settlement that requires XXXX to delete this account from all credit reports. 

Fair Debt Collection Practices Act ( FDCPA ) : o 15 U.S.C. 1681e ( b ) Compliance : I request a copy of the 1099-C form reflecting the charge-off of this account, as required by the FDCPA.

o 15 U.S.C. 1682g ( b ) Validation of Debt : Since this account is included in the class action settlement, I request validation of this debt according to the FDCPA. Please provide detailed information regarding the debt, including the creditor, original amount, and charge-off date.

New Jersey Statute of Limitations : Furthermore, I believe that any attempt to collect on this debt falls outside the New Jersey statute of limitations for debt collection. Please confirm that you will cease all collection efforts on this account.

Request for Action I request that XXXX immediately take the following actions : Confirm deletion of this account from all three major credit reporting agencies ( Equifax, XXXX, and XXXX ). 
Provide a copy of the 1099-C form reflecting the charge-off of this account.

Validate the debt according to the FDCPA.

Cease all collection efforts on this account.

I have attached a copy of the class action lawsuit settlement agreement for your reference.

I look forward to your prompt resolution of this matter. Please contact my Attorney XXXX XXXX at XXXX XXXX XXXX, to discuss this further. 

Sincerely, XXXX XXXX Important Note : Here is the settlement agreement. I am apart of this settlement. Please contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You should call XXXX to inquire whether your defaulted loan ( was in default as of XX/XX/XXXX, car repossessed and sold but a balance remains on the loan ) qualifies for a deficiency balance waiver.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Debt collection

To whom it may concern : I am writing to dispute the validity of your company 's collection debt on my credit report. According to my records, I have no outstanding debts with your company or any other creditor listed on my credit report. 

Therefore, I request that your company provide proof of the debt. In addition, as per the Fair Debt Collection Practices Act, I have the right to request validation of this debt. Therefore, I ask that you provide me with the following information : 1. The name and address of the original creditor. 
2. The original account number. 
3. The date of the original debt. 
4. An itemized list of all charges, fees, and interest accrued on the account. 

I also request that you cease all collection activity until this matter has been resolved. Failure to provide me with the requested information within 30 days of receipt of this letter will result in my assumption that this debt is invalid. Please send this information to the email provided. 

Thank you for your prompt attention to this matter. 

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

I am very distressed due to the fact that I have been contacting Equifax since XX/XX/2021 about the incorrect information on my credit report. They have been sending me stall tactics and they have violated my consumer laws. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

This is the account that is incorrect and needs to be deleted and blocked XXXX XXXX XXXX This inaccurate information is causing me distress and it is going to continue to cause me stress until they remove this account. It has been over 4 months they have been violating me and wasting my time. XXXX  deleted the account because they violated my consumer rights!
Product: Mortgage

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against XXXX ( XXXX XXXX ) for Illegal Foreclosure Attempts During XXXX  To Whom It May Concern, I, XXXX XXXX XXXX am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, also known as VXXXX XXXX , regarding their unlawful foreclosure actions on my property despite my ongoing XXXX  proceedings. Their actions violate federal law and my rights as a homeowner. 



Background of My Mortgage and XXXX  Unlawful Conduct In XX/XX/year>, I purchased my property with financing through XXXX Mortgage. 

A few months later, XXXX began demanding payments, though I never contracted with them, nor did they provide me with a loan or extend any credit. 

Initially, I made a few payments under the assumption that they were a legitimate lender. However, upon further investigation, I realized that XXXX had no lawful authority over my mortgage. 



Legal Basis for My Complaint Under 12 U.S. Code 1431, XXXX does not have the authority to issue credit, lend money, or enforce a foreclosure. Additionally, in the ruling of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, it was established that entities like XXXX can not lend credit, proving once again that they have no legal standing in this matter. 



Timeline of My Dispute and XXXX  Lack of Response 1. Qualified Written Request ( QWR ) Sent I sent a certified QWR to XXXX, demanding proof of their authority over my loan and requesting a response within 30 days. 

XXXX responded with documents unrelated to them and continued collection attempts. 

XXXX. Notice of Default Sent I sent XXXX a notice of default with an opportunity to cure within 30 days. 

XXXX did not respond but continued to demand payments. 

XXXX. Notice and Demand for Compensation Sent I gave 15 days to cure the violation. 

XXXX ignored this notice and continued to pursue collection. 

XXXX. Final Determination and XXXX Sent I issued a final notice. 

XXXX once again ignored this notice and is now actively trying to sell my property despite my bankruptcy protection. 



Current Violation : Foreclosure Attempts During XXXX  I am currently in XXXX, and XXXX continued collection efforts and foreclosure actions violate federal XXXX  laws, which protect debtors from collection attempts during active proceedings. Their actions are an illegal attempt to steal my property through deceptive practices.

Requested Resolution I am requesting that the CFPB : 1. Immediately intervene to halt XXXX  foreclosure process, as it violates XXXX  laws.

2. Investigate XXXX  fraudulent activities and their unauthorized collection attempts. 

3. Hold XXXX accountable for violating consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and federal bankruptcy protections. 

4. Provide me with confirmation that XXXX  actions have been addressed and appropriate legal consequences are enforced. 




Please acknowledge receipt of this complaint and inform me of any updates regarding the investigation. I appreciate the CFPBs assistance in addressing this urgent matter. 



Sincerely, XXXX XXXX
Product: Debt collection

Company saying the we didnt return equipment and we did thru XXXX as instructed also last bill was paid. They add a collection account for {$190.00} in credit report Company name is credit management
Product: Mortgage

We own a small family business. Because we had a great credit standing, we coul n't ask for a home loan modification. When the economy changed here in XXXX XXXX and banks closed by FDIC, we lost credit and commercial lines, immediately we put our house on sale, with no luck. After a while we tried loss mitigation with the Bank but when a new mortgage deal was ready, the bank sold the loan to XXXX XXXX, which we found out who they were when they were foreclosing our home. After several attempts to keep our home and try to contact by letter their lawyer with offer to buy with no answer, we received a new foreclosure date for this XXXX. Our lawyer finally communicates by phone with XXXX XXXX lawyer and she desagrees to go directly to the owners with offer and gives a phone for loss mitigation dept, in SPS, inc. Last XXXX XXXX, 2016, I started conversations with SPS , inc, explaining all this and saying that for more than a year we have been offering money for the loan. Since then I 've been calling weekly doing exactly what told, and sending documents. Everytime I call I have to explain to a different person and they again give me new instructions and tell me to wait a couple of days or one more week for the answer. When I call they always remind me foreclosure date, XXXX XXXX, 2016 and I always tell them the same, why keep delaying?, they are not helping much. I was told this week I was going to receive answer to our offer, now today I was told they sent the offer to the owners to be considered and maybe it can take one more week. Is taking forever and time is what we do n't have. They send letters with an assigned relationship manager that speaks XXXX and everytime I call, I never find her. Every agent says different things, even the first one kept opened the loss mitigation case for us just in case we needed it and I sent all documents required for short payoff and later found out we were n't considered yet because the loss mitigation case was still opened ... really?, and they knew I was looking to short pay off. We 're desperate. We never knew how much XXXX XXXX paid to XXXX for the loan account because we found out late about them, but since that we offered to buy back and now with a higher amount is still difficult to get to the owners. Why not go directly to them since the beginning? They keep sending letters in XXXX, only with the ending in XXXX to make you call, knowing we speak XXXX. We bought that house, put our savings to live with our XXXX children and no one from the two different loan owners have been nice enough to help us keep our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the negative account XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$1000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Vehicle loan or lease

My car was repossessed Monday XX/XX/21 I contacted confin/Consumer financial located in XXXX, Florida to see why was my car repossessed they stated that the only payment that they received from me was the down payment which is false I got my car in XXXX I paid my car note for XXXX, XXXX, and XXXX & XXXX only payment I didnt was XXXX {$250.00} each month I pay my car note threw XXXX XXXX so I contacted XXXX  to see if they could look at the payments & send it to my email they stated that it would take up to 21 days but consumer financial is stating that I only have 10 days