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

I have made complaints regarding this issue several times yet TD Bank fixes it and than changes my address on its own. I am starting to get very annoyed with the level of incompetence of TD Bank. I don't understand why they keep changing my mailing address without my authorization. I write a lot of checks and online banking checks and TD Bank continues to change my Po Box info to my home address. 

I am getting extremely frustrated with this at this point. I don't want people knowing where I live. I don't understand why this bank keeps changing my mailing address. 

This is a huge invasion of privacy issue. They keep fixing it and than a month or 2 later change my address in the system on its own. I deal with tenants and other businesses and I have a business address for a reason. 

If anything were to happen because of XXXX XXXX continued negligence, I will hold them responsible. 

For the last time, stop changing my address without my authorization. 

A TD Bank employee stole XXXX dollars from my account last year and she was arrested and charged for doing so. 

TD Bank must protect my privacy and stop changing my XXXX address for no XXXX reason. After the bank employee stole my personal info TD Bank has done nothing to protect my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ACEPTANCENOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Although I have submitted 5 payments to my student loan company totaling {$2100.00}, they are only crediting {$500.00} to my account. I emailed the company and was told they did not apply it because I did n't specify where I wanted it to go. I have 2 student loan accounts with them and neither were credited my payments.
Product: Credit card

I'VE MADE MANY ATTESTIONS TO GET IN TOUCH WITH NEW YORK AND COMPANY ON A PURCHASE I HAVEN'T RECEIVED. I've called them multiple times and even sent them emails, but they haven't responded. I've also returned an item, but my credit card hasn't been credited for the return. NEVER DOES ANYONE ANSWER THEIR PHONE. I never received the item for which they are billing me.
Product: Credit card or prepaid card

I just check my statement and realize my balance is over {$1000.00} for a credit whose limit is {$630.00}. The last time I check the balance was 16 months ago and the balance was {$400.00} ish. I make my payment every month. From start, they have been charging me interest even though they said I have 24 months with no interest and after I realized they charge me more {$500.00} on extra fees, I called the customer service and they said they charge me 50 % of what the balance is. I don't get it. This is not alright.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following accounts that are reporting past due balances on accounts that are charge off which is a clear error on the reporting ; XXXX XXXX XXXX ( Date Opened:XX/XX/XXXX, Balance : {$40000.00}, XXXX XXXX XXXX Date OpenedXXXX, Balance : {$400.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$19000.00} ) and XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX XXXX Balance : {$7600.00} ). They are also reporting a collection account from XXXX XXXX ( Date Opened:XX/XX/XXXX, Balance : {$300.00} ) that I don't recognized and that the bureau failed to validate as I request multiple times. Attached is the previous letter I sent to the Experian. I also have the certified mail receipts that I can provide if necessary.
Product: Debt collection

DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX GA XXXX XXXX : XX/XX/XXXX XXXX : XXXX ( TRUEACCORD XXXX XXXX XXXX, XXXX XXXX, XXXX KS XXXX ) IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666 B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Please remove collection and or update the following accounts and paid, never late.

ACCOUNT : 1555 ORIGINAL CREDITOR SPRINT Please move forward with the above request. Failure to remove I will sanction legal action for remedy and for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 )
Product: Debt collection

I have a monthly payment with Synchrony bank. I have never missed a payment. They suddenly closed my account with a remaining balance without being notified. It greatly affected my credit score
Product: Credit reporting or other personal consumer reports

As per ther guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per Law. I have provided all needed documentation as well as victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

Other XXXX XXXX Account # XXXX XXXX XXXX : XXXX Bal : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters on XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I made a agreement with Lending club for reduced payments for the month of XXXX and XXXX in the amount of XXXX the XXXX payment was due on XX/XX/XXXX with a 15 day grace period provided by Lending club. The XXXX payment was made on XX/XX/XXXX via ACH debit through my checking account. On XX/XX/XXXX I received an alert from a credit reporting agency that Lending reported a payment of 30 days past due for the month of XXXX. I immediately called their customer service line to clear up the issue, I was told it was a glitch in their system due to the reduced payment and that my credit report would be updated. The correction was made on or around XX/XX/XXXX, but on or around XX/XX/XXXX the 30 day late payment for XXXX was re-reported on my credit report again. I called Lending club again to resolve the matter and was told the same thing that it would be corrected and not happen again. The correction was made on or around XX/XX/XXXX per the alert I received from the credit monitoring agency. On XXXX I received an alert that the 30 day late payment was once again reported on my credit report for the 3rd time. This has caused irreparable damage to my credit report and also mental anguish to me and it has disrupted my life.
Product: Debt collection

I received a notice from XXXX XXXX XXXX XXXX. today, XXXX XXXX for the first time and the notice is dated XXXX XXXX offering me Tax Season Discount Opportunity to pay account balance of {$8600.00}. According to the notice, Citibank was the original creditor. I have lived at my current address since XX/XX/XXXX and this is the first time I have been contacted about this debt. I also have a freeze on my credit since around XX/XX/XXXX and I have no collection on my credit report. I do not owe any debt that I have not paid. This collection agency failed to first write attempting to collect a debt letter. This collection agency failed to grant this consumer the opportunity to dispute the debt. This collection agency demanded payment whether or not this consumer in fact did owe this debt. I dispute owing the debt in question. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I requested proof of verification from the courts not a third-party for bankruptcy that is listed for my XXXX  and experience credit reports. Neither agency has provided proof they both stated that a company called XXXX XXXX verified it.. I contacted the courts and the courts stated they do not verify. Per 15 USC 1681i ( 6 ) ( B ) ( 7 ) Description of procedure and please do not send me any more of your generic response letters of how you use various methods. I'm asking for " SPECIFICS on exactly how your agency actually verified these accounts that you are erroneously reporting about me and 1 need the full name of the person you spoke with or who told you electronically that it was verified. If you do not know then you need to find out and if you do not know because that would NOT be a proper investigation on your part as you are required to conduct. 
Any automated response verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.
Product: Payday loan, title loan, or personal loan

My wallet was stolen about 3 months ago ; my loan was almost paid off, but the wish to add on to the loan. They were playing a game over the phone. When I called the guy did not want to answer and tell me the amount that I had owed. My fault, because they are thugs stealing from people. 

When I ask the guy what I had owed ; he did not want to answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple dispute attempts have been made to Transunion and XXXX to delete information this is not mine off my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$370.00}
Product: Credit card or prepaid card

My Bank of America prepaid card for my unemployment was used in XXXX and at the end of XXXX, totaling amount {$5900.00}. I contacted BoA by the end of XXXX when I saw the transactions. Since the transactions were made to different companies, there were quite a bit of disputed claims. They informed me that it takes 90 days for investigation to complete but theyll give me temporary funds for the amount. The 90 days deadline was XX/XX/XXXX and the representative informed me that some of the claims are still open and some have been denied. I have gotten close to {$3400.00} back from the claims but the rest is still pending. I have requested supportive documents for the claims that were denied and I only received for one denied claim which stated that the claim was a duplicate. Since then, i have not had any communication from BoA.
Product: Mortgage

On XX/XX/XXXX ( my pay-day ) I tried to make a partial payment on my loan. As both my son and I are resposible for the loan. The web portal would not accept the partial payment. As their web portal is set for all or nothing. 
I called a representative and explained the way my budget and there are XXXX parties resposible for the loan. I can make half a payment now and my son would pay remainder from his bank account. I was told it would not be accepted. on XX/XX/XXXX I set up bill pay through my XXXX XXXX and I sent in the partial payment, and my son would do the same through his. On XX/XX/XXXX the electronc payment went to XXXX mortgage {$1100.00}. XXXX would have received it XX/XX/XXXX. I called XXXX to confirm on XX/XX/XXXX, which I was told they could not verify. I requested my credit union to please provide me with some proof of my payment. I was provided a trace # and please allow XXXX XXXX hours to confirm the payment was rcvd. I called XXXX on XX/XX/XXXX. I spoke with XXXX reps who were very explicit either all or no payment would be accepted in any format. I request to speak with a superviosr who would not take my trace #, would not look for my payment, would assist in any way. Just would not help in any way and additionally told me I needed to send in information in writting to find the status of my payment. I called my credit union to see my options, I was advised, nothing! Once a bill pay is sent, their hands are tied. IT is an approval for payment the can not stop it. Now I am here {$1100.00} missing and no one can help because this horrible company called XXXX mortgage dictated that I can only make a full payment of {$1800.00} or I am to pay nothing and have my mortage payment have the posibility of running late. I didnt even sign the contract with this company. I signed the contract with Trail Blazer Mortgage. But my account was transfered to this company that does not understand how to work with my budget and multiple co-signers. As I stated to the 4 representatives I spoke with. I am sure I am not the only one in the world who has to make a partial payment in order to make the best of my finances and having a co-signer. I live paychek to paycheck. The last thing I want to loose is my house after it has taken me this many years to receive because of some riduculous rule of all or none. Call me crazy but a payment to any lender is a payment at the end of the day what does it matter how many payments it took to obtain it. The goal at hand is for me to pay my balance in full for goods I received. Who are we hurting here if it takes XXXX or 4 payments.
Product: Student loan

I have XXXX variable interest rate loans through Chase and since XXXX the interest rates on XXXX of the XXXX loans have risen a small amount -- .04 %. I noticed this recently while logging on to make a payment but I was never notified of the interest rate increases. I understand that my interest rate can change, I just expected to be notified. I called the bank and they confirmed that I was never notified and apologized. I asked them to make sure I was notified about any other future increases. 

While I hope they comply, I wanted to make sure this did n't happen to anyone else. Are banks required to notify you when your interest rate on a variable rate loan increases?
Product: Credit card or prepaid card

Was charged a late fee on credit bill with due date XX/XX/XXXX, paid on XX/XX/XXXX. According to Credit Card Act if due dates falls on holiday payment maybe made without penalties if received by next business day by XXXX. I have now been assessed late fees and penalties because of this payment, and owe {$67.00}. I believe these fees and penalties are illegal and I don't owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I contacted Experian to report ID theft from various sources that were unknown in origin. Since this time, the ID theft has A. ) not stopped and B. ) not been addressed on my credit report at ALL. Why not? What do I have to do to get Experian or the other agencies To take me seriously?
Product: Bank account or service

I have a joint account at Bank of America with my husband. My husband also had a joint account at Bank of America with his son that was opened when his son was a minor and needed a parent/guardian on the account. His name had never been removed from their joint account although his son is now an adult and no longer resides at our residence. My husbands ' son 's account was apparently overdrawn and they withdrew funds from my and my husbands joint checking AND savings account and placed them in his son 's overdrawn account without permission or knowledge from either myself or my husband. My husband did, on the day we discovered the withdrawal, close the joint account as the Bank would not remove his name from the account without his son being present and we were not able to reach him.
Product: Credit card

This chase prime credit card claims that it works with XXXX but I'm very disappointed with their service I returned a XXXXXXXX XXXX XXXX XXXXXXXX  worth {$170.00} ( XXXX ) Last week on Monday XX/XX/2023, it's been XXXX and a half week, I still haven't received a refund from XXXX and XXXX tried to dispute this charge on the chase website but it is not going through, I also went on XXXX to XXXX the information from Chase regarding this, they failed to provide me any information and they keep on going in circles and nothing else thinking that I'm a fool. 

I also called the customer service regarding this and it went to XXXX, they were asking me stupid questions again and again like what's my name, what's my address, my date of birth, Again and again, I was transferred to XXXX different departments, And they were asking this information again and again, when I already verified my account on the automated server. 

And then I have XXXX other complaint, recently I stayed at a hotel in XXXX XXXX, they were supposed to charge me {$45.00} but they charged me {$58.00}, here is the information of the transaction - XX/XX/2023 XXXX XXXX XXXX - {$58.00} Plus they also charged me {$9.00} for parking when the parking was supposed to be free, I tried to dispute this charge on the chase website, it's not going through, the Chase website dispute section is for show only, it is not working. 

I want a chase to credit me {$13.00} plus {$9.00} for parking which was charged to me by the hotel. This was a complete rip off and this shouldn't have been done. 

From now on I will stop using the chase XXXX credit card for my large purchases and I will use other credit cards where I get benefits and I can also dispute the charges easily. 

Hey guys, don't be fooled from Chase, it's a rip off credit card, the customer service is ridiculous and use other credit cards other than chase credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquires are Fraudulent on my Equifax credit report did not authorize these companies to pull my credit 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 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 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 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 EQUIFAX XXXX XXXX EQUIFAX 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 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 EQUIFAX XXXX XXXX EQUIFAX 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 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 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 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