23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was told by a bank that I can't open a bank account due to money owed to TD Bank in NY. I called TD bank on approx. XX/XX/XXXX and was advised that amount owed is {$370.00} and if I paid {$200.00} within 30 days it would be marked as paid in full and I would be removed from the " blacklist '' that is holding me back from opening any bank account through out the banking system. On XX/XX/XXXX my sister walked into a bank branch and paid the {$200.00} which I have a reciept for. On XX/XX/XXXX I called wondering where my paid in Satisfaction letter is and why I haven't been removed from the " blacklist '' since I was told by a bank that I still can't open an account. I was told by Recovery Department that they made a mistake and didn't mark it as paid in satisfaction and that he would mark it as paid nd request chexit system to be updated so I can open an account. On XX/XX/XXXX I called back requesting a update for a letter. The guy said a request has been made and I should've gotten a letter from the branch where I opened an account. He said he would put another request in. I called the branch today XX/XX/XXXX and the branch said I'm not getting a letter cause I still owe {$170.00}. At this point I'm furious cause there obviously not caring or know what there doing. I again called Corporate TD bank again and they said no request has been put in to update the chexit system " blacklist ''. But according to corporate it's paid in full. I asked them to call the branch to let them know and he refused. He said they don't do that. So as of today I can't open a bank account to do business, the branch isn't on the same page as the recovery department of TD bank corporate,  and it's very obvious that they don't care even though I gave them there money and have been extreamly patient. Also I was advised today that no one in recovery made any notes to update the chexit system or " blacklist '' system. PLEASE HELP ME!!! I can't open any bank account to do business. ThANKS
Product: Debt collection

American Express has repeatedly called my business phone to collect a debt from my ex wife. I told them to stop that Im not the person responsible for the debt you are collecting. They made some stupid comment about it is going to affect my credit negatively. I explained that they are never to call this number or any of my numbers again as the person you are calling for is not me and these constant phone calls are harassment. I told them to remove my number from their list which they said they would and I have now received 4 voicemails since in my business line. They are harassing me to collect someone elses debt
Product: Credit reporting or other personal consumer reports

I applied for residency at a new apartment in XXXX, Colorado last XX/XX/year> and the property management company ran a " hard '' credit check on me and I was docked XXXX points from my credit score for this single check by Experian which is the company my bank uses for their customer XXXX XXXX XXXX XXXX XXXX  XXXX ). As of this week, Experian has only given me back XXXX points towards my score. I went from XXXX down to XXXX just for that single credit check. Experian gouged me for the single check and decided to ding me XXXX points?? What's up with that? That makes no sense and is completely unfair in my opinion and they are now being slow to give points back when I haven't done anything wrong to deserve being compensated back so slowly for what they took away in the single check. What possible reasoning could they possibly have to justify both the large gouging of points and now the slow replacement of the points? Is it some person at a desk making an arbitrary decision with no data supporting their actions? 

So to summarize : XXXX. They docked XXXX points for a single credit check, which is a ridiculous number to dock someone for a single check. Someone who has excellent credit. 

2. They are being extremely cheap in restoring my credit score back to its original XXXX points where I was at when they docked the big chunk of points back on XX/XX/year>. 

Is this just a broken system? and we are stuck with this ridiculous unfairness? 
What a disaster it would be if I had to make several applications to different apartment properties at the same time. Should we just never move to a new residence because they'll gut our credit every time we want to move, even though we've done nothing wrong?
Product: Debt collection

Theres an apartment complex that I did not lease, XXXX XXXX, that is in collections. I was in a domestic violent home and left to Nevada XX/XX/XXXX. I have housing voucher papers to prove so. Apartment complex debt was opened XX/XX/XXXX. I believe it may have been my old partner that stole my identity but I am without proof. The complex no longer exists and is not in business but the collection agency is charging interest on the debt. The ordinal debt states {$3600.00}. The new total is at {$4800.00}. I was not sent a lease when asking to verify this debt. They have been sued once before by XXXX XXXX for falsely applying interest in his case and the defendant won against plaintiff IQ Data International Inc. Who is the same collector on my credit.
Product: Vehicle loan or lease

Ive had multiple issues with my auto loan and have filed multiple complaints through your agency and my attorney generals office. There is still one open complaint which was granted an extension with your agency. Ive told usaa on several occasions that Im not making a payment until the open complaint is resolved, the open complaint is because usaa took unauthorized funds from my account. On XX/XX/30 usaa yet again took unauthorized funds from my account. I called to try and rectify the matter and I was told they wouldnt refund the amount even though they were unauthorized to do so.
Product: Credit card or prepaid card

My name is XXXX and it says I have a problem with my card. I tried to fix it, but I dont know whats wrong.
Product: Credit card

I have been receiving emails from Synchrony Bank for my JC Penney card that they will be charging a fee of {$1.00} for each paper statement being sent to me. I do not want to stop my JC Penneys statements from being sent to me. I do not want to go paperless. 
Is charging these extra fees legal? 
Thanks. XXXX XXXX
Product: Vehicle loan or lease

Toyota financial repossessed our XXXX Toyota XXXX without a notice letter stating that they were repossessing the vehicle at XXXX on XX/XX/XXXX and made payment arrangements with Toyota financial to pay the balance that was owed. I recommend never to go with Toyota financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had an account with Wells Fargo and it was during the time members and friends got ahold of my account and was using my ID and social security card to falsely identify me or open credit and let the bills go into collection. Wells Fargo stated that they closed down this account years ago. Now that I have relocated away from roommates that was committing fraud and scams against me. I relocate my family to XXXX XXXX and tried to reestablish my account with Wells Fargo and was denied. When I checked my XXXX  credit report it stated that I did have an open account with Well Fargo. The rep verify that it was an account open in my ame with my social security number but couldn't provide me any information on the account because I didn't know the username or account type because I didn't know one exist. Rep placed on hold to connect to any department that would be able to access the account but rep didn't want to wait on hold to warm transfer me and hung up. Which disconnected the call and wasn't able to speak with no one about this unauthorized account that I know most likely was open up by XXXX XXXX that has a account with Wells Fago and open my dependents an account with Wells Fargo after she went to social security office to change me to her as my kids payee and lied and stated that the funds was being spent on them and going into her account instead. When asked for kids well fargo account stated that she canceled but never gave me there money back from there account. I believe she open one in my account to have the direct deposit sent there. She made false fraud reports stating that she had unauthorized charges which was a lie. She kept her card in her shirt at all times and she give my daughter her account information to make purchases and then play like she doesn't remember and file reports with banks. Instead of Wells Fargo doing a proper investigation the close my account. Allow people with no valid proof of guardianship because one was never in place and would never be a safe place for kids go in and change information on the person that account holder. Wells Fargo need to be aware of this discrimination and judgment that was pass on me
Product: Mortgage

For the second time in 6 years I am being forced to defend my property pro se. 
It does n't seem to matter that the XXXX foreclosure was FIRST a XXXX, Aurora, Aurora XXXX XXXX XXXX, robosigned MERS, mortgage, that was thrown out of court in XXXX. And I guess the 5 year statue of limitations law in Florida, means XXXX is above the law to have to refile the foreclosure now, claiming this time, ownership of a XXXX securitization by blatently altering the records. 

Their fraudulent actions, killed my marriage of 15 years, stripped my 50 year 's net worth and has frozen my ability to work as a XXXX figure XXXX since XXXX. Around XXXX while conducting my own forensic audit, I found that DeutcheBank is and ALWAYS WAS the bad actor here and served a QWR to NationStar servicer, that never responded to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the XXXX credit reporting agencies to do a thorough verification of what is on my credit report. They stated everything was accurate and a door research I did a thorough research myself and I found improper and inaccuracies on the credit report Even after they did their investigation. 

In accordance with the fair credit reporting act XXXX XXXX # XXXX date opened XX/XX/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 604A section to it also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair reporting act XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604A section to it also states a consumer reporting agency can not finish account without my written instructions. 
The Credit Reporting agencies did not do a Thorough investigation. 

On XX/XX/XXXX I filled out XXXX application on the XXXX XXXX app for a {$5000.00} loan for the XXXX XXXX XXXX They denied the loan I have an email with the denial. Somehow they kept my application open and recycled the loan document and funded the {$5000.00} loan without my permission and XX/XX/XXXX. I never gave them permission to use my signature for another application. I called the XXXX XXXX they only have a signature from XX/XX/XXXX and they said that it was an electronics signature. They do not have a signature for that XX/XX/XXXX loan. I am immediately reverse the money And sent it back to XXXX XXXX on XX/XX/XXXX. I called them let them know that I did not take out a loan and I do not want their money. The bank manager wrote a letter for me stating that I never touch the money and gave me the federal trace ID when I sent the money back. XXXX XXXX wanted me to pay a {$470.00} Origination fee for their loan. Since Ive never took a loan with them XXXX not responsible for the origination fee. I hired an attorney to write a letter to XXXX XXXX explaining that I did not open alone with them. They will not listen to me and they charged off the loan then sold it to XXXX XXXX XXXX for {$470.00} but XXXX capital can not produce any documentation with my signature on it. When I look at the credit report XXXX XXXX XXXX says this loan came from web bank when it came from the XXXX XXXX I have been fighting with them for over a year to get this taken care of. Equifax and XXXX have removed XXXX XXXX from my credit report but XXXX XXXX is keeping it there they said its verified but they do not have a copy of the original contract for the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Student loan was forgiven because the school committed fraud, which was proven before the school was shut down. I had a XXXX balance and now the old balance has resurfaced. All my student loans should have been removed because the XXXX programs at XXXX XXXX XXXX  were shut down for fraud, among other things. I should have a XXXX balance from all loans for XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me. I recently reported a fraudulent account to the FTC and I am now submitting this complaint so that this account can be removed from my report. I am trying to pursue a new business venture and this account is really hurting my report. Please remove it as per section 605 of the FCRA. This account must be blocked and removed within 4 days of receipt of this dispute.
Product: Checking or savings account

In early XX/XX/2021, I attempted to log into my Chime account and received a pop up telling me the account was closed and to contact XXXX. 

Since then, I have called and emailed Chime Member Services no less than 10+ times and have not been able to receive a straight forward answer. 

Twice I was told my account was indeed active, though it wasn't and I had no way to access funds. 

Several times, I was told my balance would be mailed to me via check within 30 days of the account being closed. It's now been 45 days and I've not received a check with approximately {$3300.00} that was left in my savings and checking accounts with Chime. 

I'm filing this complaint as I've been left with no clear option to get in contact with Chime for a clear answer as to why my account was closed and when I would be receiving the check with the balance left on my account at time of closure.
Product: Debt collection

Columbia debt recovery I have never done business with them. I was sent to Collections for {$400.00}. 

My credit score is always above XXXX. Not sure what debt they are trying to collect but definitely an error. Company unable to provide information about the money owed. 

I need them to remove the collection. I have no active contract or any business with them
Product: Checking or savings account

On XXXX XXXX I prepaid for a rental at XXXX XXXX for {$140.00} & I wasnt aware that I did not have my debit card on me. I called USAA for assistance and the Representative carelessly closes both of my Debit cards and she was only to do one. A few months later USAA took $ XXXXp from my account and when I called to find out why this happens it was told to me that I waa supposed to do a Dispute for this amount by XXXX and because I didnt think I'd needed to do it because of a fault of their Representative I'd expressed this but nonetheless I'd submitted a Dispute. For weeks I did not receive feedback on the refunded amount and again I wrote another Dispute letter and speaking to the CEO assistant of the matter which again no action was taken. 
On XXXX XXXX I'd received a phone call from another CEO assistants and was told that the second Dispute letter was " not good enough '' & I should explain further to which I should be refunded my money. Again i wrote another Dispute letter and i have it here uploaded. Today i get a message from my bank messaged to tell me that the Dispute letter was not sufficient enough as I'd explained thoroughly that my payment was prepaid via app and I called the Accounting office to see about the {$140.00} and the Accountant responded to me since I'd prepaid from the app she was not able to see the payment only when I'd arrived to pay for the rental in full. 
It's been over a month and this bank USAA isnt holding themselves in full responsibility of the action of their Representatives fault. And I need some help in getting this resolved so I can my funds rightfully back to me
Product: Checking or savings account

I applied for a checking account through this link that advertises a {$200.00} sign up bonus : https : //www.huntington.com/checking-account-promotions-bonuses-offers After waiting over 90 days after I met the terms, I still did not receive the bonus. After chatting with an agent, they opened an investigation and concluded that the promo was " not attached to my account '' and would not be honored. 

I clicked through the link that was published on their website, met the terms, then they will not pay the bonus that was advertised, so this is very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

This is in regards to XXXX original a count # XXXX in the amount of or close to {$29000.00} has more than exceeded the California time statue ( 6 ) years with no payments, activity and or dialogue in that same time ( 6 ) years, to legally collect this debt. I would like that the collection agency listed below, to contact XXXX and or other credit agencies to remove this negative mark from my credit report immediately and or issue to me on my behalf a document / letter in reference to that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PERSUE LEGAL REMEDIES that pertains to the XXXX # XXXX in the amount of or close to $ XXXXXXXXNOVEA PORTFOLIO MANAGEMENT ( their a count # XXXX ) Address : XXXX, Florida. XXXXPhone : ( XXXX ) XXXX
Product: Checking or savings account

I have been banking with bank of America for many years, and this is not the first time this has happened to me. They change dates to squeeze in fees, and charge over draft fees on over draft protection fees that " ping pong '' until im hundreds of dollars in debt. Today was the most unusual of all, I was given an over draft fee, when I literally have thousands in my account. And they changed the order of transactions and dates in my app to support their claims, and were very rude when I called in to complain! This is shady banking. This is robbery. This establishment needs to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : Inquiries ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX ; US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX. XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, an update to my Consumer Report was made as of XXXX XXXX XXXX This update is still showing multiple inaccuracies including the remark Consumer disputes this account 180 Days past due. The official date that I discovered this violation is XXXX XXXX XXXX   when I made my first complaint to the CFPB about this account Complaint ID XXXX XXXX. In pursuant to 12 U.S.C. 5564 ( g ). [ 6 ] ( Except as otherwise permitted by law or equity, no action may be brought under [ the Consumer Financial Protection Act ] more than 3 years after the date of discovery of the violation to which an action relates. Also, in pursuant to 15 U.S.C 1679i ( Statue of limitations ) - Any action to enforce any liability under this subchapter may be brought before the later of ( 1 ) the end of the 5-year period beginning on the date of the occurrence of the violation involved; or ( 2 ) in any case in which any credit repair organization has materially and willfully misrepresented any information which ( A ) the credit repair organization is required, by any provision of this subchapter, to disclose to any consumer ; and ( B ) is material to the establishment of the credit repair organizations liability to the consumer under this subchapter, the end of the 5-year period beginning on the date of the discovery by the consumer of the misrepresentation.
Product: Payday loan, title loan, personal loan, or advance loan

The amount of the monthly payments that I'm supposed to pay is astronomical. I don't remember my agreement saying that much every 2 weeks because I would have never agreed to take on that much more in monthly debt because that means not being able to feed my kids, I don't know if They approved without validating my income or proof that I could repay. I had multiple overdraft fees on my l account, and it didn't maintain a positive balance for very long. My credit card usage went up dramatically in the past year, and my credit score went down drastically as well. I was desperate for income due to medical bills from my wife 's numerous medical bills and had been applying for multiple loans. Anyone could see that I was already overextended, and this is by definition, predatory lending.
Product: Credit reporting or other personal consumer reports

XXXX credit cards services over the last XXXX months. I been having a in accurate report on the credit they issued. Its reporting a late payment that didnt happen and I ask for it to be removed its shows on other reports never no lates but they seem to have a issue removing it the account still revolving same issue wit capitol one but it show no lates as well except XXXX place its inaccurate. This date on capitol 1 XX/XX/XXXX Date XX/XX/XXXX for XXXX XXXX XXXX XXXX XX/XX/XXXX And show paid as agreed but lates also