23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information. 

PERSONAL INFORMATION : The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.
Product: Checking or savings account

I deposited a check, via mobile deposit, for {$120.00}. The deposit was accepted, no issues. The amount was later posted successfully to the account. I retained the check for two months before shredding. The TCF Digital Banking Agreement states that you must retain the check for either thirty days ( which I did ) OR until the funds post to your account ( which I did ). I met both criteria.

Three months after the deposit date I received a letter in the mail from TCF, stating that there was an issue with the check image and therefore the {$120.00} had been removed from the account. This was the first and only communication from TCF regarding this issue. I have called TCF multiple times and visited a branch in-person multiple times, and no one has resolved this. I had a TCF branch employee submit a formal complaint via TCF 's internal system, and was told that TCF would be required to call me regarding the complaint. TCF never called. The only " solution '' that TCF proposes, is to " redeposit the check. '' As I no longer have the check to redeposit, my not-for-profit volunteer organization is simply out the {$120.00}.

As outlined above, I followed the TCF Digital Banking Agreement regarding how long to retain the check. TCF is in violation of their own Agreement, and accordingly this incident is properly characterized as theft.

-- -- Separate Incident/Complaint -- -- I received a new debit card in the mail from TCF, at my home address. However,  the debit card was issued to a different person ( " XXXX '' ). XXXX was the previous treasurer of said not-for-profit volunteer, and I am the current treasurer. Over two years ago, XXXX, myself, and the club 's president went in-person to TCF bank ( the XXXX, WI location ), filled out the necessary paperwork to have XXXX removed from the two TCF bank accounts, and were told by the TCF banker that XXXX would be properly removed. When I brought in the newly-issued debit card to a TCF location, I was informed that XXXX was still on both of the club accounts. I was also read a list, by the banker, of people on the TCF accounts : myself ( XXXX ), XXXX, and XXXX. 

On XX/XX/2019 I was told by a different TCF banker that one of the accounts had yet ANOTHER person listed as an authorized user : XXXX. Again, we were not aware until that moment, that TWO individuals were improperly listed as authorized users. It is completely unacceptable to have a bank unreliably remove users from accounts. What happened to the paperwork we filled out and submitted? What employee failed to do their job? What process went wrong?
Product: Credit card or prepaid card

I wanted to call Capital One and ask them to reverse a late payment charge, my first since I have been an account holder for several years. They provide no way to get in touch with them to talk to an actual human - there is no form or email address on the website, and then when you do call the customer service line, it takes you through all of the automated crap and then when you ask to speak to a rep, it says " we are experiencing high call volume right now and can't help you, thank you. '' and then they hang up! No opportunity to leave a message or ask for a call back or anything. Financial institutions should be required to have customer service representatives.
Product: Debt collection

I am, XXXX XXXX and natural living person submitting this complaint and there is no third-party involved. Credit Acceptance Incorporation committed Fraud on my consumer report. I did not consent, benefit nor authorize the collection on my report. I demand Credit Acceptance Incorporation to remove immediately.

FDCPA 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit for due to a collections account that was removed from my credit record. 

Any collections that appeared on your report in the last 24 months are considered derogatory regardless of whether they were yours or not - XXXX representative I believe this is illegal. Not sure if am filling the complaint with the right agency though.
Product: Payday loan, title loan, or personal loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CASHCALL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital OneXXXX failure to deposit my direct deposit from my employer and any other deposits. XXXX XXXX has cited technical issues, which XXXX violate the Electronic Funds Transfer Act ( XXXX ) as it requires timely access to funds. This situation raised concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card balance reported for XXXX XXXX XXXX account ending in XXXX is incorrect. Please update with the accurate balance of {$460.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am submitting this complaint to you because I give up fighting with TransUnion about inaccuracies and negative informations they are reporting on my Credit Report. I did online dispute, I mailed letters but nothing is done properly. First all, it is about my personal information i mean my name. I tried to contact Transunion several times by phone and by mails in order for them to correct my name. One of their representatives told me that they couldn't fixed, I need to banks who are reporting my name incorrectly with a suffix " XXXX ''. I asked him to give me the name of the banks so I can personally contact them and fixed it. He refused! I feel like they are reporting someone else which is not me. My name on my all official documents is : First name : XXXX XXXX initial : XXXX  Last name : XXXX By officials documents I mean my SSN card, ID, Birth certificate and XXXX XXXX. I have never used a generation name, suffix or other names to get a Credit. I don't know where did they get : XXXX XXXX XXXX. This is Wrong! On my XX/XX/2020 I sent TransUnion several letters asking them to investigate about negative items showing on my credit report and inquiries. It took them about 2 months to investigate and they didn't delete anything. They updated as verified! On XX/XX/XXXX I sent them another letter about their Method Of Verification under FCRA 611 ( a ) ( 7 ) ... Until today I have never heard anything from TransUnion. I called over the phone and nobody there seems to be helpful. For inquiries they told me to contact all companies by mails. All letters I sent to the companies were returned to me. Please help me resolve this frustrating issue. I am tired getting denied for Credit applications.
Product: Money transfer, virtual currency, or money service

Dear Sir/ Madam I am writing you regarding my most recent XXXX  money transfer which was initially place on the XXXX of XX/XX/2022 ( Chase wire tracking number : XXXX ). I was advised that the fund will be available to the recipient in XXXX business days but that was not the case. This transaction was for an emergency family support abroad but the delay from the bank as now costed me a great deal of inconvenience. I have called the bank customer service number of times to trace the fund but they were unable to assist. I was advised by the customer service that the delay was caused by the recipient bank ( XXXX XXXX ). My recipient also contacted his bank every single day and he was advised by XXXX bank that there isn't any international XXXX transfer showing on their system which means the delay / disruption is caused by sender party ( JP Morgan chase ). I also popped in to the local brunch but they could not trace the transaction either. After weeks of waiting, I have called the customer service today and instructed them to recall the transaction. Customer service started giving excuses such as " I may be charged extra interest by the recipients bank " which I find quite bizarre as the money never reached the XXXX! 
May I have attention from an senior management about this issue and request a full investigation? I also demand a full refund of my transaction as a matter of urgency! 
XXXX has asked JPM Chase to forward trace the fund and find out exactly where the money is or simply recall the fund.when I called the executive office they told me chase already sent the wire now my receipt r has to find out where the money is which doesnt make any sense as the tracking number they are providing doesnt even work. there is an element of fraudulent activities either from the wiring department or the branch where i sent the money from. Took over a month and no money was transferred this is not normal. Someone should be held responsible.Please help me out getting my funds back from this fraudulent bank. 
Yours XXXX XXXX Phone- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered a consumer credit transaction with Possible Financial Inc. however they have violated my rights as I have not given authorization for the account information to be furnished on my consumer reports ... ..15 USC 1681d1 defines a " Consumer Report '' as : The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title ... ... I would like you to pay attention to the Exclusion outlined in 15 USC 1681d ( 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 ; ... .The credit card that I used to initiate these consumer credit transactions is my social security card. I have not given Possible Financial Inc the authorization to furnish this data on my consumer report. As the issuer of my credit card ( social security card ), I am demanding that the following accounts be deleted from my consumer report immediately.
Product: Student loan

My student loan servicing was sold from XXXX to XXXX. I contacted XXXX to ask if this would require any of my Auto-Pay information to be changed or confirmed. They informed me that there was no need to change anything as all of the Auto-Pay information was coming over from XXXX and payments with XXXX would continue as normal. I 'm paying more than the minimum in order to pay down the loan faster and reduce how much interest I 'll be paying. 

The first payment went through at the correct amount, but the second payment did not. The second payment was reduced, without my knowledge or consent, to an amount over {$50.00} less than my previous payment. Furthermore, my interest rate of the loan mysteriously went from ( an already ridiculous within this market ) 6.55 % to 6.8 %! I 've written to XXXX and have not received any response. This increase in interest ( which has potential to be fraudulent ) as well as their decision, without my permission, to decrease my monthly payments via AutoPay will greatly increase the interest that they 'll collect.
Product: Debt collection

Hello, I have been in communication with Credit Service company Via certified mail regarding XXXX collection accounts. I have requested validation from Credit service company, and in response they have sent me a statement for both accounts. I have absolutely no knowledge of the following company's:1- XXXX od XXXX2- XXXX. 

I have explained this to Credit services Company In which they refuse to investigate. I have contacted the credit bureaus in return thay have stated Credit services company has validated the debts. I attempted to contact both XXXX XXXX and XXXX which referred me back to Credit Services Company. I have been in dispute with Credit Services COmpany for months with no response, Now they keep demanding money to these debts that I have no knowledge of.
Product: Vehicle loan or lease

I leased a new Toyota XXXX XXXX from Toyota Financial on XX/XX/XXXX. I decided to purchase the XXXX from Toyota Financial in early XXXX of XXXX. I sent in all their requested documentation XXXX XXXX and payment in full with my check XXXX XXXX in the amount of {$22000.00}. XXXX confirmed that the letter was delivered on XX/XX/XXXX. I then called Toyota Financial on XX/XX/XXXX and they confirmed the received the check and would be processing it shortly or at a maximum, according to their own written policy, in XXXX business days from XX/XX/XXXX which by the calendar would have been XX/XX/XXXX. I called over and over during this 30 day window concerned about the emails, phone calls, automated system messages and messages on the Toyota Financial website portal, that I was not " paying '' on my lease. I called and asked over and over why my check was not being cashed, and why I was being told I was late on lease payments when they had payment for the car in full. I was told over and over again to not worry, these charges would be resolved as soon as they cashed my check, that I should not be receiving any message about being behind and that this would not go to collection or my credit report. I was told by Toyota Financial on XX/XX/XXXX that my check had not been applied to my account but instead to several other account holders. They were unable to tell me how long it would take to correct this issue. I was also now receiving past due notices about my lease and notice they had sent me to collections despite telling me over and over they would not. I still have XXXX non-lease payments outstanding even though they cashed my check and receive all of the funds XXXX on XX/XX/XXXX. I have been calling over and over, I do not have the car title as promised, they will not tell me when I will receive it. My XXXX XXXX has been damaged, they will not tell me when that will be fixed. I have asked XXXX  to be connected to a supervisor and they claim there isn't XXXX available so I leave a message and no one calls me back. I am exhausted after XXXX phone calls and feel no closer to having any of the issues they created resolved. What they are doing is fraud. They don't observe their own written policies, they claim they can not help, yet they send people report false non-payments to the credit bureaus. I don't know what else to do. Please help.
Product: Mortgage

Navy fed has put me in a hardship to many times. Last year my now x husband did not pay the mortgage and the kept taking the money out of my account to pay it. This left me with no money to pat the mortgage on my rental property so now the start foreclosure. I gill Bankruptcy to stop the sell. Now im in bankruptcy and i call to have a money order mailed to my trustee for {$1700.00} it never got sent so my bankruptcy was dismissed. The sent letters to my attorney and trustee but the case was not reopened. Now it cost me {$1800.00} refile and they say i dont have enough income to do it this time. I filed lost mitigation papers in XXXX again in XXXX and again in XXXX. Im saying why do i keep having to refile meanwhile they are foreclosing and have a sell date of XX/XX/12. Im saying i thought we were in last mitigation no one has told me the results and that i was in foreclosure. Now they are saying they the whole package My primary is in foreclosure because my e has not paid i asked why no one told me they were not getting paid i was told because my x mailing address was in the system i said my name is on the account also and i have a right to know whats going on. Last year you took the money from my account so why did you not do it this time. Got no answer. They sent me letter telling how far it was behind. So i asked you found me to tell me when it got so far behind but you could not tell me in the first. Now they are trying to foreclose on this two Consumerfinanc.gov
Product: Credit reporting, credit repair services, or other personal consumer reports

Two credit accounts were opened WITHOUT my consent or knowledge. One was XXXX ( XXXX ) and the other was XXXX XXXX. I found out about these fraudulenty opened accounts while checking my credit report on XXXX XXXX. I would like to investigate further into these two unauthorized opened accounts and want to know how this will not continue to happen. Also, I would like to know when the negative impact on my credit report will get reversed.

Thank you.
Product: Money transfer, virtual currency, or money service

Zelle misleading and not allowing to correct the money sent. Zelle did not ensure correct person received payment.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to 3 bureaus on requesting an investigation into items that I believed were FRAUDULENT/ INNACCURATE inquires on my report. To date, I have not received a reply from the bureaus or any acknowledgment that an investigation has begun. My SECOND request was on XX/XX/XXXX additional letters sent to bureaus and they have not complied with my request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

DISCOVERBANK- XXXX SOURCE RECVB ( Original Creditor : XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
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  : Account Number : XXXX : Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I am writing to formally notify you of fraudulent accounts that have appeared on my credit report due to a data breach that compromised my personal information. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the accounts listed below. 
Fraudulent Accounts 1. XXXXXXXX XXXX  Account ID : XXXXXXXX XXXX  Date Opened : XX/XX/year>XXXX XXXX Amount : {$270.00} XXXX. XXXX XXXXXXXX XXXX  Account ID : XXXX XXXX  Date Opened : XX/XX/year> XXXX  Amount : {$2600.00}
Product: Prepaid card

XXXX XXXX has been tasked with evaluating the financial damage caused by Bank of America blocking the use of users ' prepaid debit cards, particularly those receiving government payments during and after the pandemic. I submitted a request for a review regarding the harm I experienced. Unfortunately, XXXX XXXX did not conduct a thorough, honest, or unbiased review of my documents and unjustly denied my claim. I provided all requested information and more, yet instead of properly reviewing my submissions, they repeatedly sent emails asking for the same documents. Additionally, there is no way to speak with anyone other than their operators, who lack the information needed to address my claim. It feels like a cover-up, merely stating that the review has been completed without any genuine evaluation.