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

Company : TD Bank Claim : Fraud Amount : {$300.00} On XX/XX/XXXX, I contacted TD through secured messaging about a {$300.00} checking promotional offer I signed up for earlier in XXXX that wasn't paid but for which I was eligible and later qualified through required activities, according to the terms of the attached screenshots I captured during account opening. After a few emailed responses, I received the final on XX/XX/XXXX, which claims the terms on record for the promotion don't match the terms that were advertised when I signed up for the promo. 

My offer is eligible for customers without a checking account in the past 12 months. TD claims the offer was eligible to customers who have never had a checking account. TD confirmed I last closed a checking account in XXXX. The small print is clear that " within the preceding 12 months '' is the threshold for the offer running XXXX XXXX, and my last account was over 36 months prior. 

I asked customer service if it could offer an email address that could accept file attachment ( screenshots of TD 's offer at the time ) and escalate this concern. They declined to provide one. 

After searching online, I found TD 's primary complaint department email address and sent it my screenshots file in late XXXX, asking them to read the file and determine why the promotion was not paid. I was promptly redirected from its XXXX offices to its US offices, sending the same email and attachment on XX/XX/XXXX. There's been no response for over three weeks except to initially say they're very busy. 

I'm alleging fraud because though TD typically runs an offer that's eligible only to those who have never had an account. This offer was unique. Had I not been eligible I would not have opened the account. Later, had TD acknowledged an error in the offer terms, I wouldn't think it were an intentional misstatement ( and I wouldn't need to file this complaint ). However, due to the initial denial and subsequent silence despite visual timestamped proof, it seems an intentional action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in XXXX to report inaccuracy with the following : XXXX XXXX XXXX in XX/XX/2022, which i did not apply for. 

XXXX XXXX  XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive written XXXX several times of proof when XXXX credit was paid a {$1.00} this payment was never paid yet they said it was verified. 

Ive also requested the 1099-c XXXX XXXX used filing this debt as a charge with the Irs in reference to section 61 ( a ) ( 12 ) XXXX  i also requested the 1099-c for a charge off As well i have reported the inaccuracies across all bureaus nothing is being repaired XXXX  is still showing a balance DeptdXXXX  is deferred in good standing, but showing negative on transunion and XXXX
Product: Credit reporting or other personal consumer reports

Experian failed to investigate disputes properly, violated consumer rights and civil rights each time I requested items to be disputed recently, therefore each item disputed on my Experian credit report must be updated and state that item removed due to negligence of Experian who failed to investigate properly in the legal time frame, thank You Thy Will Be Done
Product: Student loan

This account has been closed and paid off for a number of years and it's still on my credit report
Product: Checking or savings account

On XX/XX/2022 a check was stolen from our vehicle. We contacted Chase to alert them checks had been stolen. On XX/XX/XXXX a forged check was processes and ( {$2000.00} ) funds were taken from my account. I contacted Chase fraud dept on XX/XX/XXXX to alert them the check was fraudulent. On XX/XX/XXXX I was asked to go into the Chase and sign an affidavit and it was filed XX/XX/2022. Chase asked for a copy of the Police Report for the break-in of the vehicle. The police report was provided. Chase then asked for details of the check be added to the Police Report. On XX/XX/XXXX updated police report given to Chase and now asking for a more detailed police report and the police have stated they have done all they can. When I ask what additional details Chase is looking forward they give no answer other than more detail police report. The Bank refuses to credit my account the {$2000.00}.
Product: Checking or savings account

On XX/XX/year>, I could not logon to my Robinhood account. When I tried to retrieve my account email via the forgot email option, it showed the account email as XXXX. Note this email looks like an internal robinhood.com email. 
I was scared that my account was hacked and called the robinhood customer service phone number. However no one answered the call. A recorded voice message advised me to request a call back after logging into the Robinhood site. So there is no way to reach the customer care if the customer is not able to login to their site. Then I contacted Robinhood via their Chat and they suggested me to login to Robinhood and request for a call back even though I said I was not able to login to the Robinhood site.

My wife logged into her Robinhood account and requested a call back. During the call I submitted my passport and other details to verify my identity and get my logion email updated in my Robinhood account. Hobinhood said they will do a detailed analysis on how and why my email id was updated, and why there was no email or text notification when the email was changed. However instead of sharing any analysis Robinhood ended up hiding all my chat history with them. Not just the chat for the login email issue. All my previous chats with them.

I have sold all my stocks and moved my money out of Robinhood now. However I feel Robinhood violated my account and changed my login credentials without my knowledge and with no notification. I would like to file a complaint regarding this on Robinhood.
Product: Checking or savings account

I deposited {$25000.00} for an interest rate of 4.64 % over 4 months on XX/XX/2024. I was paid about {$430.00} total. 

They also re-invested when I asked them to pull the money out, and I had to do another hour long phone call to get someone on the line to pull my money out again.
Product: Debt collection

Allied Interstate has called my place of employment and harassed people I work with while disclosing that I have undpaid debt to people I work with that is not myself.
Product: Credit reporting or other personal consumer reports

Unauthorized/Unverified Accounts, and inquiries on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the police and FTC for assistance with this issue, now I'm contacting you all for your help as well. I'm looking to buy a new car in the next few months. So I had my credit report pulled just to see what I qualify for. Unfortunately, I discovered items on my report that are absolutely NOT MINE. Please remove these accounts listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
INQUIRIES TOO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a VA home mortgage with US Bank that began XXXX. Sometime in XXXX my wife filed a bankruptcy that included only things that she owned alone. Our home in which we live was never a part of the loan, and US Bank was assured that when they reached out to us after my wife filed. I am the Borrower, and my wife was the co-borrower. I did not know that US Bank would stop reporting on my credit report or my wife 's. I was never told this, and upon them finding out about the bankruptcy, US Bank reached out to us and we adamantly told them that our home was not part of the bankruptcy, but it was never implied, or told to us that they would no longer report our payments on our credit report. I was not a part of the bankruptcy and had no idea I would have this happen to me. My name is not on the bankruptcy file and I do not have a bankruptcy on my credit report. All of this came to light because I tried to refinance to obtain equity from my home, and found that I do not have a history of owning a home. In XX/XX/XXXX I did a refinance to adjust the interest rate from 5 % to 4.5 %. On my credit report, it established that I had the home for a year ( showing the refi ). But nothing after that. I filed a Dispute with XXXX and they came back removing the loan from my report altogether. I disputed through XXXX again and heard nothing, so I called. That is when it was explained that US Bank told them to remove the entire loan from my credit report altogether. I contacted US Bank, and they explained it was their policy that if anyone on the loan filed bankruptcy they will no longer report to the credit bureaus. I explained I was not part of the bankruptcy and that we never stopped paying for our home, and never ever late. I was told it did not matter that was their policy and that they will not report on any payments we have made in the past or any payments we make in the future. So I own a home and pay for it timely, but I my credit report will not ever show this. They said their policy states they will no longer report any payments. I was told because my wife used the address in which we live, that it was included in the bankruptcy, but when questioned about that, ( because my home was " not '' part of the bankruptcy ) the representative stated " I never said it was part of the bankruptcy, but our policy states we will no longer report when one of the borrowers files for bankruptcy ''. I feel it is unfair that the 9 years and counting of good credit history can not be reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICITM OF AN IDENTITY THEFT, AND NUMEROUS TIMES I HAVE REACHED OUT TO XXXX   XXXX  XXXX AND TO EQUIFAX TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE CHARGES ON THE CARD ARE FRAUDULENT, THE ACCOUNT WAS OPENED WITHOUT MY CONSENT. JUST BECAUSE THEY ARE BIG CORPORATIONS, THEY ALSO HAVE TO UNDERSTAND THAT I AM VICTIM AND I SHOULD NOT BE PENALYZED EVEN MORE.
Product: Mortgage

In XX/XX/year>, I requested a payoff statement to sell my home from Rocket Mortgage. The money was wired to Rocket Mortgage, the deed and title was transferred to the home buyer, registered with the county deeds office, and I received an email saying my loan was paid off.

I recently reviewed my credit report which indicated this account is still open, with delinquencies, and the loan was not paid off despite documents showing otherwise ( see attached ). I've tried to reach Rocket Mortgage at least 8 times over the past two weeks via phone and online chat to understand how I can still have an open mortgage, yet not have the home, not have the deed, not have the money wired to Rocket Mortgage, and the buyer have the deed in his name with the County and my mortgage recorded as " mortgage satisfied '' with the county Public records. 

I've gotten no answers to any of my questions and I also have had my credit RUINED because of this account which I no longer am responsible for and no longer have the deed to and no longer reside in.
Product: Mortgage

The complaint was for BOA who claims my loan with XXXX XXXX XXXX  from a refinance during XX/XX/XXXX was serviced by Countrywide in XXXX or XX/XX/XXXX. 

It has been my stance that BOA is doing everything possible to place itself ahead of a lien by XXXX XXXX in XX/XX/XXXX. The loan by XXXX XXXX should have been cleared when I did a refinance with Countrywide after XX/XX/XXXX. 

I have documents from the fax by XXXX XXXX showing the date of XXXX when the first contact with Countrywide occurred. BOA has sent the same documents with the fax date being whited out.
Product: Debt collection

I sent a dispute letter to Synchrony Bank regarding an account that appeared on my credit report. The company failed to validate my account within the 30 day time period provided by the Fair Credit Reporting Act. I sent another letter to the company notifying them of their failure to validate the account and that they are required to delete the account. Instead of deleting the account Synchrony Bank updated the account on my credit report and has now sold the account to a collection agency. I am reporting Synchrony Bank for failure to comply with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Paragon revenue group asking them to validate these  XXXX  medical bills of {$280.00} and  XXXX  that are not my debts. I have heard nothing back from them. It 's been 30 days. The  XXXX  for {$75.00} was opened on  XXXX   XXXX ,  XXXX . The other {$280.00} opened up on  XXXX ,  XXXX
Product: Credit card

I am reaching out in frustration and disappointment regarding the sudden closure of my PayPal Credit account. I have been a loyal customer for three years, consistently making on-time payments and maintaining a strong payment history. However, I recently encountered a single issue that led to an unexpected and unwarranted account closure.

Last month, I mistakenly scheduled my payment from an old savings account rather than my primary checking account ( both of which were listed in my profile ). Unfortunately, this resulted in an insufficient funds return. They then attempted to process it again with the same result. Once I realized the issue, I promptly corrected it and made the payment from the correct account. I even spoke with a representative who understood the situation and reversed any related charges. Given my history of responsible account management, I was under the impression that this issue was resolved.

Now, without any prior notice or opportunity to address the situation further, I have discovered that my account has been permanently closed. This is not only an overreaction to a single, honest mistake but also a poor business practice. Such an action negatively impacts my credit score and my overall financial standing, despite my long-standing reliability as a customer.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX, MN XXXX XX/XX/year> Dear JEFFERSON CAPITAL SYST, I am writing to address a discrepancy I have observed in my credit report regarding the following account : XXXX XXXX XXXX Account Number : XXXX Reason : Account is showing a balance with a charge off as it's closed. please delete Instruction : This is a violation of my consumer rights, please delete immediately Please be informed that this correspondence does not serve as a refusal to pay ; however, it is imperative that I bring to your attention my dispute regarding the aforementioned claim. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am within my rights to request validation from third-party collection agencies. Non-compliance with the FDCPA regulations may result in adverse consequences for your company with the Federal Trade Commission ( FTC ). Hence, I kindly request that your company furnish me with the following documentation for validation purposes : 1. Documentation demonstrating ownership or assignment of the debt from the original creditor.

2. Verification of your authority to pursue collection activities in my state.

3. Proof of your company 's bonding.

4. Documentation detailing the assessment of the outstanding debt.

5. Payment history records from the original creditor.

6. Contact information for the original creditor.

7. A copy of the original contract bearing my signature.

8. Documentation outlining the chain of ownership pertaining to this debt.

9. Verification of your legal authority to collect this debt.

10. Confirmation of ownership or assignment status of this debt.

11. Copies of all correspondence, including letters, exchanged between your company and myself, as well as with the original creditor, regarding this debt.

12. Disclosure of the purchase price of the debt.

13. Information regarding the date of the last payment made on this debt.

14. Breakdown of any fees/interest accrued on the debt.

15. Explanation of the methodology employed to determine said fees.

I appreciate your prompt attention to this matter and your cooperation in providing the requested documenta
Product: Mortgage

Problems with Loan Depot Paying our Taxes and Insurance Property taxes were due by XXXX XXXX. XXXX XXXX I called Loan Depot ( LD ) to makes sure they would be paid on time. Money for the payment was sitting in an Impound Fund since closing on the loan. Future contributions for taxes and Insurance would go into the Escrow Fund. 

I learned XX/XX/XXXX that my taxes were NOT paid by LD. I called LD at XXXX ET and was passed around several people. No one would tell me why the taxes were not paid. I was asked if the tax money was collected at closing, which funds were collected and rolled into the entire finance package at closing. 
Speaking to a Supervisor, again I was asking why the taxes were not paid. I received questions instead about if I sent them the tax bill? They received copies of all of this prior to closing of the loan. I once again uploaded the Tax Bill to them. This this explaining how the amount due not is higher than the amount due by XX/XX/XXXX. This Supervisor said she would Request to Disburse Taxes. 
This call was 49 minutes long. 

XXXX XXXX XXXX ET Taxes are still NOT Paid. 
I called LD to as WHY not? Held 23 minutes before I got a human on the call. I get passed around to various people again. I ask for another Supervisor. This time Im connected to XXXX XXXX ( SP? ) He said he is arranging for the taxes to be paid within two days. 

XXXX XXXX I receive and email saying my taxes were paid. I look on the XXXX County web site and the taxes are not showing paid. I call the tax office making sure. I was told that the amount wired was for the XXXX amount of {$6900.00} This amount due now due to being late is $ XXXXthe county does not accept partial payments, and the wire is rejected. 

I call LD and held for almost an hour..never got a human. 

XXXX, XXXX LD employee # XXXX. I start the whole story again. It goes no where. I ask for a Supervisor and get employee # XXXX Ms XXXX She tells me the correct amount will be wired within 24 hours. 

XX/XX/XXXX XXXXXX/XX/XXXX The Taxes are not paid by LD. No wire ever arrives. I call LD and get employee # XXXX XXXX? I start over with my explanation. I ask fora Supervisor and get # XXXX XXXX XXXX I explain it all again. He tells me The correct amount of money will be wired tomorrow. Duration of this call XXXX XX/XX/XXXX XXXXXX/XX/XXXX Taxes are not paid yet by LD despite many people telling me they would be by now. 
I call County Tax office to verify all wires have been processed. 
I call LD and spoke to employee # XXXX ( woman ) she tells me it will be escalated and no one will be able to look at it until Monday XX/XX/XXXX. So now the taxes wont be paid in XXXX and a higher amount is due as of XX/XX/XXXX the amount due is {$7000.00} Call duration 42 ; 00
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX DC never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Chase ( R ) XXXX  ( R ) with XXXX ( R ) : We received a transfer request of {$490.00} to XXXX XXXX. To stop this transfer go to XXXX XXXX XXXXXXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has citied technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit card or prepaid card

Discover Credit Card Company has been charging me a " Discover Payment Protection '' fee service in which I never authorized for or was aware of. I did call them and they cancelled it moving forward and I disputed the previous charges, in which they said they can only refund the past 6 months as a " courtesy '' and " do their best to make me aware '' of the service. I am not really sure what that means since I didn't know it existed and don't have any communication of it. I feel like I was robbed as I would never authorize to pay such an amount every month without opting for it, and I am not even sure how it was included or what the service actually is. 

Here are the itemized amounts I paid and did not authorize since XXXX.This does not include the additional interest on the balance that I certainly would have been charged as well. 

Grand Total - {$2400.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$78.00} XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$78.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$73.00} XX/XX/XXXX - {$70.00} XX/XX/XXXX - {$70.00} XX/XX/XXXX - {$69.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$59.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$51.00} XX/XX/XXXX - {$51.00} XX/XX/XXXX - {$42.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$32.00} XX/XX/XXXX - {$29.00} XX/XX/XXXX - {$29.00} XX/XX/XXXX - {$21.00} XX/XX/XXXX - {$28.00} XXXX XXXX {$28.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$14.00} XX/XX/XXXX - {$11.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$1.00} XXXX XXXX {$1.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$2.00} I have been loyal and been making my regular payments since XXXX when I became a customer. It makes me sad that this has been done to me. 

Thank you.