23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My husband and I have Netspend Cards for our direct deposit from our jobs. From time to time, my husband will go to XXXX XXXX our banking institution and do a cash advance from our Netspend Cards to deposit funds into either our checking or savings account at XXXX XXXX. On XXXX/XXXX/16 my husband attempted to do a Cash Advance from our Netspend card to our XXXX XXXX Checking account, for whatever reason the transaction was NOT showing in XXXX XXXX, the Bank Teller even called the Branch Manager to make sure the funds were NOT there, and told XXXX he would need to contact Netspend to see what happened with the transaction. My husband spent hours on the phone with Netspend and finally the Supervisor told him " Not to worry, that the transaction has been cancelled ''. So today, XXXX/XXXX/16 I attempted to make a purchase with my Netspend card and the card was declined. I did n't think much of it, I thought more than likely they were having issues with their terminal. The card was declined again when I went to go buy lunch. My husband said I bet that {$800.00} transaction went through. I went to look at the XXXX XXXX XXXX to see if the {$800.00} was in there, it was not. So I signed on to the Netspend website and it shows the {$800.00} went through at XXXX on XXXX/XXXX/16, even though the supervisor assured my husband over and over that he cancelled the transaction. So I called Netspend to clear up the mess, and specifically asked for a supervisor. The 1st time I called the agent tried to assist me and told me the money is in XXXX XXXX. I told him it is not, my husband just got off the phone with them and there is no pending transactions and it is not in our account. I asked for a supervisor and after waiting on hold for 20 mins the phone just rang and rang. I hung up and called back and immediately asked for a supervisor. XXXX claimed to be a Floor Supervisor and I told him the situation and again I was told XXXX XXXX has the money. I again told him XXXX XXXX does NOT have my money. My husband just got off the phone with them and there are no pending transactions and the money is not showing in my account. I told him I looked on my mobile app, as well as my husband just got off the phone with a supervisor. I asked to speak with someone higher and XXXX told me if I do n't like what he has to say then hang up. After going back and forth with him about the money being in XXXX XXXX and I offered to email him my XXXX XXXX Transactions so he can see for himself XXXX said I am lying that the money is in my account. I hung up and called back and spoke with a Supervisor named XXXX who again gave me the same run around as XXXX. I do n't know what game this company is playing, but they do n't want to take responsibility for their mistakes and there seems to be no accountability. They have no regard for their Customers and go as far as calling them liars. I do n't know about them, but {$800.00} is a lot of money, that was my grocery money, gas money, and bill paying money that I no longer have.
Product: Credit reporting, credit repair services, or other personal consumer reports

i notice there is a lot of inquiry that i didn't authorization. and other company my credit without permission and lowering my credit limit. only inquiry i approved is the ones that associated with my open accounts. it's impacting my credit and my life.
Product: Checking or savings account

On XX/XX/XXXX, I enrolled in a promotion with Ally Bank. stated that I could move money into a new CD, and earn a 1 % bonus, up to {$500.00}. The promotion details are shown in the attached " allybonus.png ''. 

On XX/XX/XXXX, I had met the funding requirements of the promotion. I took advantage of the promotion fully by moving {$50000.00} into my new CD. Given this, I expected to earn the full {$500.00}. 

On XX/XX/XXXX, Ally closed my CD account, and sent me a check with the funds. I did not initiate this closure at all. I expected at least that the check would include the {$500.00} promotional money but it did not. 

On XX/XX/XXXX, I called Ally inquiring if I could receive my promotional {$500.00}. They said that they would not be awarding me the bonus. This is not fair, as the money remained in the account until XX/XX/XXXX, which is the requirement for the bonus. Even since they decided to close my account, it's unfair that they can refuse to pay me my bonus. There are many options to park my money, and if I had known Ally would have done this, I would have simply put it in a different bank with higher interest, back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX XXXX XXXX regarding this credit card. I verified that I never opened up this account. I have investigated this debt with the credit bureau and they did not investigate this properly. I also provided a copy of my identity theft police report.
Product: Money transfer, virtual currency, or money service

I am trying to link my account with XXXX to be able to. Pay my rent online, the landlord also uses Pnc, it says Pnc doesn't allow this yo happen forcing me to use a debit or credit card and pay over 2 % in fees, this is ridiculous
Product: Credit card or prepaid card

I have reached out to Capital One Corporation numerous times informing them that I have the right to credit under Truth and Lending Act 15 usc 1602f credit- means the RIGHT granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 

So knowing this, I have informed Capital One Corporation also that my social security card is the card that funds all consumer credit transactions that include my 9 digit social security number that I gave them access to, so that I may be able to extend my credits, which is also under the Truth and Lending Act - 15 usc 1602L - a credit card defined as : any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I can not be denied credits due to the fact that Capital One Corporation is making unauthorized late payments remarks on my consumer reports/files without my consent under 15 usc 1681s-2 so this account needs to be removed from ALL CONSUMER REPORTING AGENCIES IMMEDIATELY. Also, they have made another grave error claiming ( that a previous account ) - CHARGED OFF account ( which I disputed and is being held unlawfully against me ) can be a valid reason for my denial.. When I know for a fact that has nothing to do with my approval and it should not even be reported in the first place due to the fact that the consumer report/file DOES NOT INCLUDE INCOME source- 1099C IRS Publication states it's no longer a debt when it becomes a charged off account, and that it indeed is proof it's GROSS INCOME and it must be removed immediately.

I am given the authority and I am enforcing my consumer right for an extension of my credit to be granted to {$50000.00} due to their lack of compliance and refusal to grant me my previous request of {$25000.00}, pursuant : Truth and Lending Act subchapter 15 usc 1691 ( 3 ) SCOPE OF PROHIBITION " ACTIVITIES CONSTITUTING DISCRIMINATION - It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. BANKRUPTCY XXXX DISMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$200.00} XXXX   XXXX {$510.00} XXXX XXXX {$420.00} XXXX XXXX {$290.00}
Product: Credit reporting or other personal consumer reports

The following account shouldnt be reporting on my credit report the name of the account is called XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a former student of XXXX XXXX XXXX XXXX XXXX. I graduated in XXXX of 2016. A few months ago I check my credit report with XXXX and saw a late payment added to my report by XXXX. The total for that loan was {$120.00} broken down into increments of {$39.00} per month. I was shocked, to say the least because I was not aware of any student loans that I did not have an account and payment plan already set up. I contacted XXXX knowing this must be a mistake. I was transferred to the student account headquarters in XXXX where I spoke with a representative and her supervisor. They informed me that this was a federal loan that needed to be paid to XXXX. I questioned why I needed to pay them for a federal loan when I already am paying with a federal account setup and I was told I have no choice. They told me this payment needed to be made to XXXX XXXX XXXX XXXX, a third-party company that they use to collect payments. I questioned why I was not informed of any of this prior to the beginning of the payment term, no letters, no emails, yet late payments were reported to my credit. The representative apologized and mentioned that her supervisor said if I pay the amount in full and dispute the late payment through the credit bureau, then XXXX and XXXX XXXX XXXX XXXX would remove the late payments from my credit report. I have done exactly that, however, they refused to remove the late payments. I have contacted both organizations and they still can not explain why I was not informed of this loan payment 's expected date. They lied about their willingness to remove the late payment from my credit report after I paid in full. Throughout my communication with them, their representatives have sometimes been very rude and disrespectful. XXXX has proven to be a very dishonest organization. They were recently sued by the federal for XXXX XXXX dollars and they continue to be dishonest. Those late payments were the first ever on my credit. My credit score has dropped tremendously as a result and I am unable to do the necessary things to establish my life as a young professional.
Product: Credit card or prepaid card

My wife purchased clo thes from   Macy 's and  we never received the bills until a paper bill was sent after the card was 90 days past due. They charged us over {$100.00} in late fees and other interest charges. I called to inform that they
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report this is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I tried several times to get these accounts removed let alone my information was an XXXX and XXXX breach some months ago I thought you are will protect consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation according to 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report, fairness and privacy has been violated. I am upset. I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional mental stress as of now. Also it is illegal These company should NOT be furnished peoples information to third-party companies this is ALSO illegal and neglect and fraud. I have already reported this to the local police department and Federal Trade Commission these companies in the credit bureau can be sued for these damages negative affecting my livelihood and putting me in a bad space fill your database is inaccurate, and I am filing against these if these items arent removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I spoke to a lady on the phone from HSBC 8 weeks ago today, she agreed that all late payments from my account would be removed and reported to the credit agencies, also, I am currently carrying a XXXX balance on said account and is still showing that I owe XXXX when Ive paid it all.
Product: Mortgage

I had a mortgage with Chase. The loan number is XXXX XXXX XXXX XXXX. I refinanced my mortgage with XXXX. That loan number is XXXX. The closing file/escrow number is XXXX XXXX XXXX. At the time of the loan application, Chase had not paid my taxes for the upcoming year. XXXX asked me to pay the taxes at closing. As I did. Before the closing, Chase paid XXXX County, GA my current taxes. My property address is XXXX XXXX XXXX, XXXX, GA XXXX. The parcel ID is XXXX XXXX. XXXX has since transferred the servicing of the mortgage to XXXX XXXX. XXXX is not involved in this complaint. But, they are the current servicing company. Chase uses a third party company to pay the taxes to XXXX County. That Company is XXXX XXXX. On XXXX19 XXXX XXXX sent {$4500.00} to XXXX County to pay my current taxes. Shortly there after, XXXX through it's title company ( XXXX  ) paid the taxes directly to XXXX County. That payment was accepted by the County. XXXX XXXX makes a bulk payment to XXXX County for all it's customers taxes. XXXX County took the payment in from XXXX XXXX. They then sent the over payment back to XXXX XXXX on XXXX19 in the amount of {$4100.00}. They took the difference between what was pay by XXXX  ( {$4500.00} ) and what they wanted as taxes ( {$4900.00} ) and returned to XXXX XXXX {$4100.00}. I assume that XXXX XXXX has returned the {$4100.00} that I am due back to Chase, but I can not confirm that because I am not a customer of XXXX XXXX. I spoke to XXXX XXXX in the Chase tax department on XXXX19. I told her that I would give Chase until XXXX19 to refund to me the {$4100.00} that I am due as as refund of the over payment to XXXX County. I have not heard back from Chase.
Product: Debt collection

XX/XX/2018 - Left message on my cell phone and work phone stating that this is pre-legal notification of a civil grievance with the deliberate deception of a financial institution. I will exhibit severe financial discomfort and there will be future proceeding including documentation sent to my employer for signature if I don't call back. I am supposed to call back with ID number XXXX. 

XX/XX/2018 - Left message on my cell phone at XXXX XXXX stating that this is pre-legal notification of a civil grievance with the deliberate deception of a financial institution. I will exhibit severe financial discomfort and there will be future proceeding including documentation sent to my employer for signature if I don't call back. I am supposed to call back with ID number XXXX. 

Left the same message on my husband 's cell phone.
Product: Checking or savings account

I used a feature on my Chase banking app to deposit a paper check, once I used the feature Chase told me that the money would be released into my checking account on a certain date. Two days before the check was supposed to clear Chase withheld the funds due to suspicions of fraudulent activity. This Chase account was where all of my direct deposits were deposited into and there was no fraudulent activity I expressed that to customer service ; they were little to no help. My account was then closed and the funds were never released to me and are currently withheld by Chase.
Product: Vehicle loan or lease

I had purchased a vehicle and ALLY was the financing company I went through. Due to financial hardship, I was unable to continue payments and I allowed ALLY to repossess the vehicle. ALLY picked up the vehicle. The money owed on the vehicle was {$77000.00}. They sold the vehicle at an auction for {$50000.00} which left a remaining balance of {$27000.00}. After which, they charged an egregious repossession FEE of {$25000.00} making the total amount owed on this vehicle {$52000.00}. A normal repossession fee is between $ XXXX {$750.00} in the state of Florida . We have reached out on several occasions to request more information on where this total amount came from because this MUST be a mistake. There is no way that this is a real fee for repossessing this vehicle. This company has failed to communicate and this has been hurting my credit for nearly 6 months with no communication from ALLY regarding this insane fee.
Product: Checking or savings account

I am the owner of account number XXXX. 

I am disputing the following transactions that were charged fraudulently to my account without my authorization :XX/XX/XXXX {$130.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$230.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$210.00} XXXX # XXXX XXXX HI XX/XX/XXXX {$190.00} XXXX # XXXX XXXX HI XX/XX/XXXX {$98.00} # XXXX XXXX XXXX HI XX/XX/XXXX {$83.00} # XXXX XXXX XXXX HI XX/XX/XXXX {$54.00} XXXX # XXXX XXXX HI XX/XX/XXXX {$11.00} XXXX XXXX XXXX HI XX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$32.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$7.00} XXXX XXXX XXXX XXXX HI XXXX XXXX, XXXX {$37.00} XXXX XXXX XXXX HI XXXX XXXX, XXXX {$13.00} XXXX XXXX XXXX HI I did not make or authorize these transactions that appear on my account. The debit card used was not in my possession and to the best of my knowledge was stolen on approximately XX/XX/XXXX. I immediately reported it as stolen as soon as I learned of the fraud. I do not have knowledge of the identity of the person who illegally used my card and did not receive any benefit from the transactions listed above. 
I give my consent to Navy Federal Credit Union to release any information regarding my card and/or account to any federal, state, or local law enforcement agency so that the information can ( if necessary ) be used in the investigation and/or prosecution of any person responsible for fraud involving my card and/or account. 
Please adjust my account information to reflect that I have disputed these transactions, remove these items from my statement, and send written confirmation that you have done so. Under the Consumer Liability for Unauthorized Transfers : Electronic Fund Transfer Act Regulation E ( 12 CFR 205.6 ) my maximum liability is {$50.00}. Further, Navy Federal Credit Unions Zero Liability policy ensures that I am not responsible for false charges to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was inquires from Chase Card on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is one of my numerous complaints that 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 does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 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. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted Equifax Executive Office of Consumer Affairs on three ( XXXX ) separate occasions and informed them that the addresses, soft inquiries and some of the hard inquiries are inaccurate to no avail. Ive informed them that that ALL of the soft inquiries with the exception of XXXX and XXXX were inaccurate and were not requested by me. These SOFT inquiries were not made by me : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Ive informed Equifax that these HARD inquiries were not requested by me : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. 

Equifax must be shut down. They continue to make removing inaccurate and fraudulent information, consumers credit report, difficult to remove. Equifaxs actions continue to benefit businesses and not consumers. They must be fined. 

There are also inaccurate addresses on my credit report. I do not live or receive mail from XXXX XXXX XXXX  # XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously contacted XXXX XXXX XXXX XXXX XXXX ) to file a billing error dispute reporting on my credit report. 

XXXX has posted a erroneous late payment on my credit report causing my credit score to drop significantly. 

These errors are INCORRECT on the credit reporting bureaus, and have cost me denials on gaining any type of credit. 
THIS ACCOUNT IS DUE ON THE XXXX OF EVERY MONTH AND WAS PAID BEFORE 30 DAYS LATE! I HAVE ATTACHED MY PAYMENT CONFIRMATION OKINUS has violated my consumer rights! 

15 U.S.C. 1666b CORRECTION OF BILLING ERRORS - A CREDITOR MAY NOT TREAT A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 U.S.C. 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS- A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX- i had my credit card theft due to a credit card skimmer. i was in possession of the bank card. I was placed a call to customer services for the detail. while on the phone with the customer rep i was advised of the person with credit card skimmer attempting to use the card in real time ( while on phone with XXXX   rep ) - I came into the XXXX XXXX, Florida Branch to put in a formal complaint and was told the bank manager would open an investigation and follow up with a report pertaining the findings Police Report XXXX case # XXXX