23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

TD Bank closed my credit card account without my consent after I reported a few unauthorized charges. I was expecting them to simply replace the card and investigate the issue, but instead, they shut down the entire account, leaving me with no notice or explanation beforehand. This unexpected action not only caused inconvenience but also negatively impacted my credit score. I had not requested the closure, and the charges in question were still being reviewed. Its frustrating to deal with this lack of communication and understanding from a bank I trusted.

I called two days later without knowing my account had been closed just to make sure the process of investigation had initiated since the agents call failed before she confirmed. When I called 2 days later the new agent mentioned not being able to make the report of the unknown charges. She then put her manager on the phone and he said everything was ok. I went to my app and could no longer find my credit card info. He said everything was fine and they were only making updates on the app and reiterated that everything wad good with my credit card account and to wait for Monday. 

On Monday I called and the agent was having a hard time finding my about. He placed me on hold multiple times and then finally said it looks like youre about has been closed. I couldnt believe and he placed me on hold a few more times. He came back saying this is a hard position to be placed on. He didnt know what to say nor had an explanation and said I would receive a letter and finally said to go to a branch. He seemed unable to understand what had happened and seemed nervous. 

I went to the bank and while to the executives, she quickly went into my account did internally what she needed to do and told me my account was ok. My about was not visible until she did manipulated the computer. I asked to speak with branch manager. He apologized and mentioned they dont run the credit cards only online and he just said sorry. 

My account was indeed closed. I have the report from the bureau and they were surprised to know that a bank would lie knowing the huge mistake they made which had severely impacted my credit score with XXXX points down. They have me a new numbering of a stupid card which they still havent reported to the bureaus. 

TD bank has failed me and they havent done nothing about it! No apologies, not owning their huge mistake and not when sending a report to the credit bureaus to notify their obnoxious ridiculous mistake! 

Thank you! 
XXXX XXXX
Product: Student loan

Sallie Mae continues to call and text XXXX times per day. We have talked to them and we have submitted paperwork that loans are not due yet because still a student.
Product: Credit card

they told me before I closed the credit card account they would lower my interest turns out they were adding 5 percent to the supposely lower interest and refused to correct it so i closed the dam account they people are CROOKS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX Account # 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 Also, there are a few inquires that shouldn't be on my credit report. 

Following, XXXX. XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX NJ Inquired on XXXX XXXX, XXXX Business Type : Credit XXXX XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX  XXXX Late payment XX/XX/22 30 days late will be removed. XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX XXXX  XXXX Balance Owed : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Hope everything good I'm just lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for no more proof or paperwork Im just tellin you straight up I dont agree with it If you got ta reach me do it through email only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX try no live calls or voicemails and dont be sendin no mail XXXX XXXX none of that its just a hassle Appreciate you understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially received an email from the Carrington representative indicating items to address on my credit. Upon receipt of the email, I spoke with the FD Carrington representative and indicated I did not submit the credit check authorization on the website. I explained that I exited from the webpage prior to hitting the submit button. The representative proceeded to inform me that the system does that and does not tell you it was submitted. Therefore, I did not give permission for the company to run the credit check for a hard inquiry.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting XXXX, XXXX, and XXXX to block information on my credit report that resulted from identity theft and fraud. Specifically, I seek to block the following fraudulent entries : 1. A student loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number ( XXXX ). 
XXXX student loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, under account number ( XXXX ). 

These accounts have led to several fraudulent hard inquiries and collections on my consumer XXXX credit report. I have attached a list of these inquiries, along with a copy of the consumer XXXX credit report maintained by Experian, which includes the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries mentioned above, as they were not initiated by me and are a result of identity theft and fraud. 

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof that all the aforementioned entries are due to identity theft and fraud.
Product: Checking or savings account

I received a text msg XX/XX/XXXX stating I violated their rules and they were closing my account, I called numerous times trying to verify what was the violation and they would not tell me. I last used the card on XX/XX/XXXX at XXXX. My brother sent XXXX XX/XX/XXXX. I used my routing and checking to pay rent on XX/XX/XXXX. I have reviewed my history and I only use to send my family funds only or eat at a restaurant for lunch. This closure caused me not to receive my payroll on time. I still haven't received my payroll check! I have tried contacting Cash App at least 10x to get assistance but no one will tell me. I have asked for a supervisor/manager and I am always told there is no one available. This is not fair to me as an consumer. How can a bank close your account w/o confirmation of an transaction or at least telling you what you violated.
Product: Credit reporting or other personal consumer reports

These addresses are unauthorized and aren't mine please remove these addresses. 

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

To Whom It May Concern, I recently reviewed my credit profile and noticed quite a few inaccuracies, falsifications, incomplete information, as well as accounts that are Un-Verified and more. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all of the information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediate The infractions are as follows : Keynote Consulting Keynote Consulting , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Cease and Desist. I DO NOT KNOW WHO YOU ARE AND I HAVE NEVER DONE BUSINESS WITH YOU ALL. REMOVE THIS FROM MY CREDIT FILE IMMEDIATELY. Not only is it illegal for a 3rd party collection agency to collect a debt that never originated with you all, I have no recollection of doing business with you. Not sure who you are or why this is here. The information you all are reporting is 100 % false! - inaccurate. I never gave ANYONE FROM YOUR COMPANY my written consent for any debt and I DONT NOT OWE YOU ANYTHING I am demanding that this account be updated to paid as agreed and Never Late.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIACE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

The goal with my credit profile should be maximum possible accuracy. What is actually fair and true. None of this is 100 % accurate. This has caused me to experience so many damages its unreal. The inability to get a loan, the inability to get a high limit credit card or even a mortgage. If I am offered anything Im met with the highest interest rates, high down payments and no grace periods. Everything on my credit report has been causing me a great deal of stress, XXXX. Thats not okay, fair or true. 


I demand to be compensated for each violation on my credit report in accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can NOT furnish an account I will await your reply. 

Kind Regards, XXXX XXXX XXXX
Product: Debt collection

I have repeatedly sent complaints against ARS collection agency. Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a surety bond on file with the Secretary of State of Texas. ARS ( Account Resolution Services ) does not have an " active '' bond filed. ARS has stated they are doing business under another agency name XXXX, which also does not have an " active '' surety bond filed with the State of Texas. The results from my complaints are on file with the Consumer Financial Protection Agency.
ARS ( Account Resolution Services ) is the company reporting on my credit file. I have filed a complaint with the Better Business Bureau of Ohio, as well. The company changed status of some of their accounts on my credit file from " Open '' to " Closed ''.
I have also filed a fraud complaint with the Attorney General of Texas, after a follow up call with the Secretary of State of Texas.
All these actions that I have taken have occurred between XXXX 2017 and XXXX 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been dealing with this since my release from XXXX when I found out someone was applying for credit in my name. I been trying to resolve this matter I sent a police report but the company refuses to remove this erroneous fraudulent information from my credit report as well as violating my right under 15 usc 1681 a
Product: Credit reporting, credit repair services, or other personal consumer reports

I had made a non-typical student loan payment via " phone '' in XX/XX/XXXX. Apparently, what I had discovered was that my original phone payment transaction did not properly post to my student loan account. The transaction did NOT post for lack of funds in my bank account but rather an error on the creditor 's part. Eventually, I was told by an XXXX representative, the debit card did not process correctly due to possible transposed digits It was listed in the XXXX system as, Per Debit Split Card Not in Network. 
In turn, per XXXX 's policy, they do not make any immediate attempts via phone or email to notify their barrowers that the payment transaction did not properly post because of such a transaction error. XXXX never made any immediate attempt to notify me that there was an error on the card payment but rather let this error sit and stagnate. 
With today 's technology, it's interesting how such immediate notifications via text, phone and borrower 's personal emails are so readily available for such issues that XXXX still remains to rely so heavily on their XXXX website inbox and/or U.SXXXX mail. 
On XX/XX/XXXX, I then made the second transaction of {$15.00} plus my regular monthly payment of {$46.00} to correct their card payment error. 
At the time, I stated to the XXXX representative being a long-time borrower ( XX/XX/XXXX ) that my only concern was that this error does not negatively impact my credit rating. 
The rep assuring me that any negative reporting would not happen. 
The end result was that XXXX reported a 30-day late payment to all the three credit bureaus. 
I have the enclosed my dispute document that I sent to XXXX XXXX XXXX XX/XX/XXXX for your review. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act this information I unfamiliar and unauthorized inquiries that at reporting on my report. 
Here is a list of unauthorized inquiries XX/XX/XXXXr XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXl XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX of XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( 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.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2023 Amount : XXXX I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX, I called Capital One about the annual fee of {$95.00} that had been charged to my account. It had just been charged on XX/XX/XXXX, and because I was not getting any value or usage from this card, I wanted to know my options for reversing this fee. I specifically mentioned that it was the fee that had already been charged that was my problem, not future annual fees. 

They recommended me the Capital One Venture XXXX card, which they said would have no fee. I accepted this, and received my card. Fast forward a few weeks, and I realize that the fee had never been reversed. 

XXXX XXXX XX/XX/XXXX XXXX, I called in to confirm when they were going to reverse my annual fee, and found out that they had no intention to. They said they would only not charge a fee going forward, but they were not going to revert the one that had just been charged. I spoke with a first-level representative and was transferred to the " highest level supervisor '' who said the same. I said that I felt this was extremely fraudulent and misleading, and was clear in my original request on XX/XX/XXXX. She said there was nothing she could do. I informed her that I had not used the card in months ( I checked, last time was a single charge in XX/XX/XXXX XXXX and that they had charged me and provided nothing. She essentially told me " too bad ''. I requested the supervisor 's name, XXXX, and her XXXX ID : XXXX. I also requested the agent Id of the representative I had spoken to when my card was changed, and she provided the agent ID : XXXX This feels extremely fraudulent to me and I am at a {$95.00} loss for absolutely nothing. I called in a very timely manner, as soon as I noticed the fee and clearly communicated what I wanted. I have not had such a misleading experience with any other bank or credit card company. I would appreciate the CFPB looking into this on my behalf. 

Thank you
Product: Credit reporting or other personal consumer reports

I sent in a dispute to TransUnion and they didn't provide me with the requested information.
Product: Credit reporting or other personal consumer reports

There are two accounts on my credit from Resurgent/LVNV funding. These accounts are fraudulent and do not belong to me. I have reported this to the police and have attached the report for you to keep for your records as well as a copy of my driver 's license. The account details are listed below. 
XXXX. RESURGENT/LVNV Funding : Acct No. XXXX - Balance : {$310.00} - Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Reported On : XX/XX/year> XXXX. RESURGENT/LVNV Funding : Acct XXXX. XXXX - Balance : {$1600.00} Original Creditor : XXXX XXXX  XXXX XXXX - Reported On : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting incorrect information on my credit report and if one agency is reporting a different balance or status than another agency, I ask how did any of the agencies validate the information being reported? It is obvious that proper validation was not completed within my credit report. Please remove the accounts completely. 

XXXX XXXX original balance, limit and last payment dates do not XXXX reporting on Transunion but XXXX and XXXX have already deleted this account due to the account being paid and also considered a certificate of indebtedness and income due to the charge off status. 

XXXX XXXX reporting on XXXX but Transition and XXXX have already removed this account XXXX- original balance and monthly payment reporting different on each report XXXX  condition wrong XXXX current balance, original balance, limit, monthly payment and last payment all reporting different
Product: Credit card

I updated my phone number on Apple XXXX and Setting 2 years ago. But Apple Card support still uses my old phone number for verification. When I contacted them for correct the phone number on their system, none of the Apple Card specialist can update my phone number. It has been back and forth since XX/XX/2024, and they randomly locked my account. Giving no instruction, no solution. They promise to call me but noone does since XX/XX/2024. 
Details of timelines & problem are attached
Product: Student loan

I paid off a loan with University Accounting Services In XXXX of 2020. When I paid I made an over payment of around {$270.00}. I have made several phone calls to the company, always getting the run around and different answers. I was originally told 45 days. It was then extended to 60 days. I was told the check was in the mail, then I was told there was no check and they didn't know what was going on. I am owed over {$270.00} from University Accounting Services due to over payment.
Product: Credit card or prepaid card

American Express was notified about charges on the account after my card was compromised by a associate of a mutual friend took possession of the card and during the time in I became of aware that the card had been compromised, about 2 hours from the time it was taken, I took steps to lock the card and immediately notify the bank. The bank on the initial three calls made to secure the account, failed to authenticate me due to my inability to verify the numbers on the card ; by this time i could not access the online Card account. Eventually, after the request for an escalation, I was able to secure the card and have a new card mailed. During the transit time of the replacement card I was unable to access any information in regards to the account, but deductions and transactions was allowed on the account, and after I received the card I called to file a dispute which the account specialist did not allow due the the amounts being in pending status. Now, I have amongst the charges already conveyed to the institute on the account there is a significant amount of other charges that are now on the account and the bank has not acted on any of my request that would refund, compensate, or provide relief of the transactions which had now caused hardships effecting the budgeting of my fixed income from government issued benefits that are deposited into the account monthly.