23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello, This complaint is on TD Bank. Recently I noticed a charge on my credit card that I never authorized. The charge was for {$4900.00} from a company called In Compliance Services on the date of XXXX/XXXX/XXXX. I always pay my balance and usually review our books. Upon a closer look we noticed this charge and we have never given out our credit card number to a company like this. The first thing we did was try to find out why the charge was made, so we did some research on the company to find out who they were. We called the number we got off the internet and asked who they were and if they could give us some info on why they billed us. They told us that they did compliance services and they have no records of charging our card, but they could n't give our money back. The only thing I wanted to know was why I was charged and they gave me a very vague ambiguous answer. I was upset because not only did they take my money, they would n't tell me why. The next thing I did was call my credit card company. TD Bank. This first phone call was made on XXXX/XXXX/XXXX. TD Bank started a fraud investigation, and said that they would do the research and find out what was going on, and also that they would credit me back the money that was taken if they find out the charge was not good. They said the investigation would take XXXX10 business days. So I called them back on XXXX/XXXX/XXXX and at that point they asked me to send a affidavit claiming fraud. So I sent them a letter stating that I had no business with this company. I finally heard back from them about a month later and they said that since the charge happened 2 years ago that I was responsible. I asked them about their XXXX $ fraud liability, and they said that it did n't apply here. They made it seem like they did n't even do an investigation on this company. They had me send them an affidavit and they did n't even lift one finger to try to figure out why these people charged me! I did my own research and I found out that the fair credit and billing act said that I was protected from fraudulent charges and that if I was billed that the merchant should have to provide documents saying what they charged me for, an invoice, something. Anything! So I wrote TD Bank another letter that included these federal laws that I looked into. Again I was denied. I also asked them to resend the information for the denials so that I could attach it to this complaint. They said they would, but they never sent anything. So I feel like I was victimized by someone who got my credit card information and that the bank unfairly denied my claim without even looking into it. I was just given the run around, and I was n't protected by my bank against this fraud. My husband has served in the XXXX and I just feel like we were left out to dry by TD Bank.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) debt was deleted/removed from all 3 of my credit reports ( XXXX, XXXX, and XXXX ) in or around XXXX 2017. However, the debt was reinserted on my reports in XXXX of 2017 with new origination dates. XXXX didnt not notify me of reinsertion. As required they were suppose to send me notice within 5 business days of the reinsertion.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX, has violated my rights. 
15 U.S.C. 1681 Section 602 A, states | have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency cannoi furnish an account without my written furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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 XXXX, XXXX, AND XXXX 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 XXXX  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: Credit card or prepaid card

I paid {$4900.00} on Sunday- ahead of payment due date. The payment shows as received on Wells Fargo website and has left my bank. However, my available credit has been lowered to {$2.00}!!!!!!!! 

Wells Fargo has put a hold on it and refuses to tell me why. I am concerned as this credit card is linked to accounts with autopay. I don't want payments rejecting with fees and damage to my credit rating How can they do this and refuse to explain the " hold ''?
Product: Payday loan, title loan, or personal loan

Bank name : XXXX XXXX Name : XXXX XXXX Issue : there is an application called Activehours and he pays you daily and at the end of each pay period it takes it from your account. My bank is being slow into excepting this but I was wondering if you guys can contact XXXX XXXX XXXX in advised him that this is the situation a monitors my bank statements and my pay periods him and then he pays me daily of a percentage not the full check amount so it actually helps me out because I have daily task that I need to do and I ca n't afford living off two weeks. Active ours is the application I need uses location-based and you have to submit Time sheet to be able to qualify and it 's a long process I was wondering if you guys can contact XXXX XXXX and confirm with them to our knowledge that active hours is a good application thank you so much for your time and effort XXXX my phone number is XXXX
Product: Credit reporting or other personal consumer reports

The below account has been charged off, per my credit report. 

XXXX XXXX ending in XXXX Per IRS guidelines I should have received a Form 1099-C from any creditor who charges off a debt.

As of the date of this complaint, I have not received a 1099-C from said entities. 

The creditors have charged off the aforementioned debts thus receiving a tax write off. Per IRS regulations, this now becomes income to me and must be reported on my tax returns. 

Per 15 USC 1681 ( 2 ) ( a ) ( i ), No transactions or experiences are permitted to be on a consumer credit report. Furthermore, credit bureaus report ; 1. Soft and Hard Inquiries 2. Bankruptcies 3. XXXX  XXXX XXXX and Alimony 4. Collection accounts Credit bureaus do not collect information on income as it is deemed irrelevant and does not reflect one 's ability to back debt. 

As this charged off accounts has now become " Income '' to me, it should not be reported to the credit bureaus.
Product: Debt collection

The representative from Delta Management called by immediate supervisor and discussed my debt with her. When my supervisor was unwilling to discuss this issue with the representative, they questioned her asking " if she was n't concerned about her employee not paying her bills ''. My supervisor indicated that the representative was very aggressive. 

This was very inappropriate and could have lingering impact on my employment. Attempts were made to contact me but I had been in meetings for most of the day today.
Product: Debt collection

I am writing to dispute the continuous reporting of a fraudulent account on my credit report by your bureau, despite XXXX XXXX compliance in removing it and validation of identity theft. This persistent reporting violates the Fair Credit Reporting Act. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  CONTINUE TO VIOLATE " FCRA '' SECTION 604, 605,607, 609 AND 623 ( a ) with reporting accounts not mines and sent in letter and document proof 2x from creditor stating the same to remove accounts errors from credit file " NOT MY ACCOUNTS '' ... '' XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX '' ... REMOVE ALL FRAUD ACCOUNTS
Product: Debt collection

This is now my second complaint with the above company. In my original complaint I stated I had not received any written notification about debts and was not allowed time to dispute that debt before it was placed on my credit report. The agency agreed to remove debt from my credit in response to the complaint here on consumerfinance.gov and that still has not been done. 

Per your response. : XX/XX/2018 AmSher understands how frustrating it can be to have accounts in collections. However, we mailed the initial collection letter as required by the FDCPA to the address provided by XXXX XXXX XXXX. Since then there have been two address changes. We sent validation to each new address. Nothing came back to AmSher in the mail to let us know it was undeliverable. Attached is validation for Ms. XXXX to review. The balance is valid and owed, please contact us at XXXX to setup a repayment plan. As requested by Ms. the accounts have been submitted for removal from her credit. Please allow up to sixty ( 60 ) days for each of the bureaus to update.
Product: Student loan

Navient applied a deferment to my XX/XX/XXXX loans without my consent and now refuses to remove it. They are XXXX me out of qualifying payments towards Public Service Loan Forgiveness. Have tried multiple times to get them to understand my situation and have requested they put all my loans back into repayment. Their representatives give false and inaccurate information. I graduated in XX/XX/2018 and should have my graduate loans in repayment status.
Product: Credit card or prepaid card

COMPLAINT REGARDING : XXXX XXXX XXXX XXXX XXXX, oh XXXX I applied for XXXX XXXX credit card through XXXX XXXX which insures my XXXX vehicles and personal residence. 

XXXX XXXX  XXXX XXXX, Ohio has illegal reasons for denial of credit for credit worthy customers. They cits a secret risk score known as behavior risk score which I have never seen before. They are listed all over on the internet Ripoff reports and businesses where consumers had the worst experience. 

XXXX XXXX  denies me credit card despite my household income north of {$400000.00}. My FICO score is exceptional and has no delayed payments. I am a responsible consumer. 

I believe that bank uses discriminatory lending practices based on age and foreign last names despite the fact that I was born in United States and enjoy a financially stable life. 

XXXX XXXX has a very poor record of charging its customer predatory fees which you can see by going to XXXX. 

It is my belief that I was denied credit based on false assumptions of underwriting department regarding my last name and my actual age which is greater than XXXX despite the fact that bank if required under Ohio state laws to make credit equally available regardless of race, religion, sex or age as long as consumer has the ability to pay its obligations. 

When I called the bank today at XXXX, the representative tried to confuse me and wont give me a phone number to allow communication to occur. Their letter of denial lacks this number as well.
Product: Credit card or prepaid card

In XXXX of XXXX i used the card to make a purchase with a merchant on behalf of my contractor. Over a year later ( XX/XX/XXXX ) the merchant charged my card when I never authorized nor did they deliver the items they said. I disputed with Barclays and provided evidence this was not authorized and they have not helped, I called and wrote letters on multiple occassions.
Product: Debt collection

I sign for a car for a family member in 2015 with Santander.. the car was sent back without my con sent.. Santander fail to reach out to me.. its on my credit report.. I contact them numerous of time for a year and half and was told that XXXX XXXX the person sign with me told them Santander to not contact me.. Santander told me three different occasions that they were sending me information via email and mail.. I have yet to receive it.. they have been ignoring for months now.. it need the car off my credit because they fail to communicate with me.. its hinder me from buying a house..I did everything right on my end..
Product: Checking or savings account

Capital one has withheld deposits that were supposed to be entered into my account. On numerous situations, my deposits amounts were not entered properly or deposited on time. There has been no warning, no emails or messages from capital one regarding the issue at hand.
Product: Mortgage

The mortgage company involved is Chase and my account number is XXXX. During the pandemic Chase promised to refinance my mortgage which was a deception to force me to sell my property. I resumed payment of my mortgage before the end of the pandemic, two years after I stopped the payment. But Chase stopped my payment after several payments have been made and demanded immediately that I paid {$64000.00} ( XXXX XXXXXXXX ). All appeals and begging were wickedly rejected.Chase told me to sell my property or be ejected. Buyers who are XXXX are all over my property doing inspections. 

I called upon friends and family members for help and incurred {$40000.00}. ( XXXX XXXX ) in credit cards debt to raise the {$64000.00}. I paid the money to save myself from death and humiliation. 

I am a XXXX XXXX XXXX XXXX man with XXXX children in the university and I wonder what Chase would gain in throwing my family out after paying Chase mortgage for XXXX. Chase inflated the mortgage to make it impossible to pay. I complained to no avail. Now while still struggling to pay the mortgage Chase added another {$250.00} ( XXXX XXXX & XXXX ) last month. 

Please I need the agency to stop Chase from destroying me and my family. What does Chase gain from ejecting XXXX XXXX XXXX man from his home. 

Chase should refund my {$64000.00} that was extortion and refinance my mortgage. 

I did not know that CFPB exists when I sent the {$64000.00} to Chase. I was scared by what Chase staffers told me several times thats more of harassment and I quickly used my wifes and family members credit cards to pay. 

Please help and save me from internal disintegration.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of, a charge-off account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a charge-off account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ), a closed account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), and a closed account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Please see My attached With Prejudice as a Memorandum for the Record dated XX/XX/2023, including supporting evidence, involving third-party debt collector ( s ) or buyers operating unscrupulously to advance a fraudulent and frivolous lawsuit. Consumer Financial Protection Bureau Case No ( s ). : XXXX and XXXX are germane.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any incoming deposits. XXXX XXXX has cited 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 reporting or other personal consumer reports

I've tried to fix my personal information upon my file from experian. I've sent several disputes for them to correct my information and still I notice no change to my credit report. I only have one name and one address. Reporting inaccurate information after put on notice is a violation. As well as reporting incorrect information knowingly under 15 usc 1681.
Product: Credit card

US Bank has failed to ivestigate inaccurate charges that are listed on the attachments. 
The lied about faxes sent in relation to the charges. They claimed to of never received them despite fax receipts. 
The failed to provide documentation as to why XXXX was denied without any reason. The reason is it wasnt a vaild charge. 
I am happy to part ways with US Bank but on equal terms. They must credit me XXXX to card ending in XXXX. 
If there is a surplus on this card, it can transfer to to another US Bank card. 
I plan to pay them in full once the disputes are resolved.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Attention : Consumer Complaint Division po box XXXX XXXX, IA XXXX Subject : Complaint Against XXXX XXXX XXXX for Violations of Consumer Protection Laws Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX for their continual violations of consumer protection laws as outlined under the Consumer Financial Protection Bureau ( CFPB ) regulations.

The specific violations are as follows : 1. **Lack of Validation Information Provided** : According to 12 CFR 1006.34 ( b ) ( 5 ), Complete XXXX XXXXXXXX has failed to provide the required validation information after placing a collection on my consumer report. As per this regulation, I am entitled to receive information about the debt they are attempting to collect, yet this has not been furnished. 

2. **No Opportunity to Dispute Account** : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I should have been given an opportunity to dispute the account. XXXX XXXX XXXX has not provided me with this opportunity, infringing upon my right to contest the validity of the debt. 

XXXX. **Deceptive Practices** : The agency has been using false, misleading, and deceptive means in their operations, violating my consumer rights. The abusive practices employed by XXXX XXXX XXXX contravene the guidelines set forth to protect consumers from such undue harassment and misinformation. 

4. **Unauthorized Furnishing of Information to Consumer Reporting Agencies** : As per 12 CFR 1006.34 ( d ) and 15 USC 1681s2 ( 7 ) ( A ), XXXX XXXX XXXX has no authority to furnish any account information to consumer reporting agencies without providing all the legally required disclosures. Their non-compliance with this regulation has caused adverse effects on my credit report. 

I am requesting the CFPB to rigorously investigate these violations and take all necessary measures to ensure XXXX XXXX XXXX complies with all applicable consumer protection laws. The unlawful actions of this collection agency have recklessly endangered my financial status and personal peace of mind. 

Please acknowledge receipt of this complaint and keep me informed about the progress of this investigation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

This has to do with Square , Inc AKA CashAP. 

I was sent {$800.00} on Monday, I requested a transfer to my bank account but have not received it. I contacted CashAP via email and no answer. 

I also called by phone and they say they are not available to take phone calls. 

This is nonsense as I need this money to pay court costs. 

Please assist.
Product: Money transfer, virtual currency, or money service

I deposited a cashier check on the XXXX of XXXX for XXXX then on the XXXX of XXXX I went and took out XXXX and deposited it into my boss checking account then I find out that the cashier check was a chargeback and l realized that they took out XXXX out of my bank account without my knowledge or permission so I call the bank to see if they could stop the check from being processed and just refund me back the money and they said they could since I called them early l talk to someone in the fraud department and they told me that all funds would go back in my account by Friday midnight XX/XX/XXXX and it didnt happen I called Bank of America l dont know how many times trying to get my XXXX back l went to the bank they couldnt help me and they told me that it was nothing they could do l thought they were supposed to protect us from fraud l filed a police report and I have all my paperwork and information all l was trying to do was get my XXXX back
Product: Money transfer, virtual currency, or money service

I paid for a hotel stay at the Philadelphia XXXX XXXX using my CashApp card on XX/XX/20. The hotel mistakenly charged me for an additional night Leading my total charge from the hotel to be {$530.00}. Upon learning of the additional charge I contacted the hotel on XX/XX/20 and they processed a refund of {$270.00}. This refund has not been received by me in my CashApp account. I have contacted CashApp countless times to dispute the charges but have gotten limited response or none at all. I have provided all supporting documents requested and I just need the money refunded.