23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called TD bank to tell them that Im in the XXXX XXXX regarding The coronavirus. I asked for a supervisor to give me a call on my cell phone nobody. I was harassed by XXXX ID number XXXX. He called on Tuesday, XX/XX/XXXX. I talk to an agent on Friday she told me a supervisor call me within XXXX to XXXX  hours on my cell phone. TD Bank is the worst bank incompetent people. Im on the front lines dealing with this virus and Im being harassed by then they do not care about whats going on in this country in the front line people that are in XXXX
Product: Credit reporting or other personal consumer reports

I was required to verify my ID thru TransUnion Secure ID this afternoon. I took the test twice and failed on line. I then called the indicated number, XXXX did on line with support person and failed twice. My answers were correct to the best of my knowledge as they were flawed questions. One time asked if my XXXX year deceased ex husband, XXXX XXXX , lived in Texas . Did they mean before he died? First I put yes and failed. 
Then second time I put no since dead and failed on both times. None of the street numbers, names of streets, former employers or other info was applicable and put none of above. In one set asked about deceased former mother in law, XXXXXXXX XXXX if lived in XXXX and I said yes once and no the second time and failed both. Then asked about former sister in law have not seen and do not know if alive in over 25 years about living in Texas failed. So called for numbers given for assistance to no avail for over 2 hours XXXX then XXXX and finally XXXX. My Security report number was XXXX. 
They suggested I print my credit report. I did and nothing on there supported my failure. 
The authentication questions to verify my identity were the same list of question for getting my report as questions I failed on Identity ID earlier except for the dead people and I passed to print report. None of that info is on my report. This is crazy. I need a human to help correct this inaccurate info.
Product: Payday loan, title loan, or personal loan

This is the 2nd complaint being filed. 745 Cash told my financial institution that they were working on refunding me back what they took out of my account. I have tried to contact 745 Cash several times to resolve and they will no longer return my phone calls. They have violated the Tennessee  Consumer Protection Act, as well as, The Fair Debt Collection Practices Act under Federal Law. 

They took money from an account that they had no authorization to take. I have requested the loan paperwork, signed check and audio recording where they claim I gave them permission to deduct {$480.00} from my checking account. They have not provided the below documentations under my requests, because they do not exist. They had my current debit card on file for future payments that I would authorize. I'm on their recording saying I would call back to make the payment, I did not give them permission to take money from my account at their leisure. They also nullified the original loan agreement by accepting the first {$50.00} payment on what was supposed to be a biweekly payment plan. They had no legal right to access my checking account that the payday loan was not originally affiliated with. 

Emails are attached where my financial institution states that they've spoken with a representative from 745 Cash and that 745 Cash was working on refunding me back. 

Again, I am requesting the following : *paperwork that shows that a payday loan was taken out on my XXXX XXXX XXXX account *the cancelled check from XXXX XXXX XXXX for which they assessed me a bounced check fee *the audio recording where I gave permission to deduct {$480.00} from my account, or the recording where I gave them permission to access my account at their leisure *Refunded back the amount that they were not authorized to take as well as the two overdraft charges ( {$36.00} each ) that they incurred, totaling {$520.00} In accordance with the Fair Debt Collections Practice Act, they are required to provide the above, failure to do so will result in further legal action.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX began calling me in XX/XX/2023 in regards to an account I supposedly had with them. I have never opened any accounts with this bank. I thought I had resolved the issue in XXXX. XX/XX/2023 this account shows up on my credit report and drops my report by XXXX points. I have since been in contact with XXXX  XXXX XXXX XXXX XXXX XXXXe account has been closed and I am still waiting for documentation to be sent through postal service. They said it will take XXXX business days from XX/XX/XXXX. I have disputed this through the credit agency and am trying to get this removed as it is hurting my credit report tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the Account number is inaccurate, High Balance is inaccurate, Last Verified is inaccurate, Date of Last Activity is inaccurate, Date Reported is inaccurate, Date Opened is inaccurate, Balance Owed is inaccurate, Closed Date is inaccurate, Last Payment is inaccurate ; This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023
Product: Checking or savings account

On XX/XX/XXXX, I noticed a withdrawal from my checking account with Capital One for {$2500.00} to XXXX XXXX XXXX XXXX XXXX. I do not have any accounts with this bank nor did I authorize any transactions to be paid to this bank. I immediately contacted Capital One and made a fraud claim. I was told that a bill pay was set up on XX/XX/XXXX and that they noticed it was set up by using a desktop computer rather than the mobile app, which is how I always sign into my account. I also do not use bill pay. This account is used mostly to pay my rent each month and I do an ACH payment through my apartment complex. I asked if there was anything that I need to do while the claim was being investigated and if they needed a police report, to which they said no. I made a report on XX/XX/XXXX as I wanted law enforcement to be involved and want to prosecute whoever hacked my account. I received a temporary credit on XX/XX/XXXX for the {$2500.00}. I immediately contacted Capital One to transfer the funds to the new checking account they had opened for me and once that was done, I transferred the funds to my primary checking account at another institution. On XX/XX/XXXX, I received a letter from Capital One stating that my fraud claim was denied and that they determined I am the one who set up the bill pay and that no fraud was committed on my account. On XX/XX/XXXX, the temporary credit was removed from my account, which left my account negative {$2500.00}. I immediately contacted Capital One and requested any documents that were used in making this decision as well as forwarded the police report as well as the information for the detective assigned to the case via email. The supervisor that I spoke to ( XXXX ) stated that he would request a second review of my claim and that it would take XXXX business days to complete and I would hear from them once it was reviewed. On XX/XX/XXXX, I received a letter that my account was {$2500.00} negative and that I needed to bring my account current by XX/XX/XXXX or it could be closed and my balance could be reported to the credit bureaus. I contact Capital One was told that there were no notes in the claim that stated the claim was being reviewed or investigated a second time. The representative that I spoke with ( XXXX ) suggested that I contact XXXX XXXX XXXX XXXX XXXX and ask for a letter from them stating that I have no accounts with them and send it to Capital One for consideration.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX for {$2400.00}. I do not have a contract with P & B Capital Group LLC, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$640.00} XXXX  XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX {$360.00}
Product: Bank account or service

I open a checking Account with Capital One Bank. I received a refund from a merchant for a couple of purchases. The bank put the refund into my account more than once and after they made the mistake, they then charged me over limit fees. I 'm on a fix income of SSI. I refuse to pay these excessive fees. This is a form of swindling. Which I consider a White Collar Crime.
Product: Checking or savings account

BBVA unsuccessfully transferred former Simple Bank users. I have been unable to access my account or reach a human-being who can help. There is no solution in sight.
Product: Bank account or service

My mother passed away unexpectantly on XXXX XXXX. She had a checking and a savings account with Huntington Bank. My grandfather ( her father ) went to the bank and informed them of her passing. He was told that she did not have a beneficiary listed, and therefore they could not tell him any info regarding her accounts. I opened an estate, and was appointed commissioner. The judge issued a certified copy of the order to release the funds to me so that I could reimburse my grandparents for the funeral. The order stated the funds could not exceed {$1000.00}, which we knew she did not have more than that. I took the order with a copy of the death certificate to the bank in the XXXX XXXX XXXX ( XXXX, OH. ) and dealt with " manager '' XXXX. First of all, she admitted she had no idea how to handle this situation. I feel someone in a " higher up '' position should be familiar with dealing with these situations. People die every day. Anyway, she called someone and sent over the paperwork. She was told at that time that I needed the original death certificate, which my attorney says is actually untrue. But I digress- Saturday I went back with the original certificate and my order again. This time, she says she spoke with the " supervisor of the legal dept. '' and was told that they needed to confirm the amount with the courts before releasing the funds. Now, this order specified that the funds should not exceed {$1000.00} and that the purpose of the funds were to reimburse for funeral expenses. Honestly, I would love to know how a funeral could cost less than {$1000.00}, and why it was necessary to make me wait again. This " supervisor '' of LEGAL should have been able to look at this order and recognize what it was, and the funds should have been released way before all of this run around. In the meantime, funds were withdrawn, and my grandparents lost out on over {$200.00} because no one ever put a hold on the account, even after being notified of her passing. The gentleman that did finally help me Tuesday evening was wonderful. I wish I remembered his name. He was sympathetic, professional, and could not understand why I was given such a hard time. This was all over {$640.00}. It was ridiculous and disappointing that this bank ( which is my bank as well ) could not help someone in a very needy time. My attorney had to send a subpoena, and all of this could have easily been avoided had the employees been educated on what they were supposed to do, and what an order from the court looks like.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had to send validation request to Equifax on some medical bills due to request from collection agency going unanswered. This request to Equifax was sent over 30 days ago by certified mail. XXXX deleted these accounts from XXXX XXXX as they could not be validated. Equifax has failed to validate these accounts and has not followed suit with the other credit report agency.
Product: Credit reporting or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX
Product: Checking or savings account

I initiated external transfers from Citizens Savings account. The transfer was mean to pull money from XXXX XXXX XXXX XXXX and deposit it in the Citizens savings account. 

Transfer XXXX : XX/XX/XXXX : {$5000.00} Transfer XXXX : XX/XX/XXXX : {$5000.00} On XX/XX/XXXX XXXX, I get emails from Citizens that the transfers have failed and the money will be deposited back to the sending account withing 3 days. 

Both the transactions were debited from XXXX XXXX XXXX XXXX account. 

I called multiple times over the week of XX/XX/XXXX but each time the Citizens banker tell me that they have sent the money back and should be able to see it soon. 

I checked with the other credit union and they have not received anything. 

Citizens has kept my {$10000.00} pending for more than a week and there's indication on when they plan on releasing it.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and experian keeps reporting inaccurate info on my consumer profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus name is Experian The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The customer service department did not help remove the negative inquiries that are reporting on your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that an account be validated that was on my account through Experian. Experian sent me an email in regards to my dispute and stated the account was verified. In the results of their first investigation, they stated in writing that they ( Experian ) verified that these items are being reported correctly? I was never informed as to who verified these accounts?

Experian have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with XXXX XXXX for over a year and have been making the payments on the credit builder loan. Recently the app has been taking my money but displaying that im behind on payments for the loan. I have been asking XXXX XXXX  for almost 3 months to fix my app they tell me over and over they are filing tickets or contacting supervisor or engineering and the app says im not paying. All i want is for the app to display the correct thing I have contacted my bank and they stated XXXX XXXX surely has the money. I have the bank statements. I have spent countless hours on the phone, in chat and emails asking for help and arguing about fixing this i have proof of those contacts as well still XXXX XXXX continues to take my loan payments but display im not paying. All i want is for my app to be fixed everyone says they are putting in for it to be fixed but still no one can fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

Each month when I pay my mortgage and escrow, Wells Fargo take my check and places it in an " unapplied '' account. The problem here is recurring and in XXXX 2015 Wells was found to have misapplied funds and was led to back track and make corrections. 

The problem persists because Wells refuses to address the issue of the errors in the ledger and therefore continue to misapply the account management. The error here is very clear and if Wells would make the correction, this situation would be resolved. 

This is the error that is causing the " unapplied funds '' Tax : XXXX Ins : XXXX Escrow XXXX However according to your Escrow records ( XXXX/XXXX/2015 ) was there is a standing escrow balance of XXXX. 

Escrow account : XXXX Pre Balance : XXXX correct Escrow XXXX Wells Fargo has made no effort to address this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I been a victim of Identity Theft! 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I have recently submitted a complaint about another account for the same apartment I don't understand how 2 separate collection firms can try to collect the same delt I owe an each 1 is different it affect my credit tremendously an I feel it should only be 1 credit firm handling the delt so i can know an accurate amount to pay
Product: Checking or savings account

Hi, Wells Fargo called me to inform me that my business account and teen checking account are being closed due to disputes with some transactions through XXXX on my business account ( not personal account ). This was around XX/XX/XXXX. They told me that I will receive the funds in ten days after their investigation is done. Its XX/XX/XXXX today and I've only received my business account funds last week and nothing from personal account which wasn't even associated with the issue at all. I went with wells fargo back and forth on calls countless times in last 5 months. Their customer service agents are rude sometimes too and I've filed 2 complaints against " claims department agent '' and a " execute department agent ''. Wells Fargo is refusing to release any money from my personal account even though that account was separate from the business account and had nothing to do with the disputes with buisness account. Upon questioning more, the agent from execute department just hung up the call on my while I was talking. Wells Fargo blocked 100 % of my money for 5 months and doesn't provide me any information about what is going on. They are refusing to release the money from personal account which has my paychecks from work and nothing to do with business account. All the transaction can be seen in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing unpaid when it was paid in full affirm still reporting when its been paid
Product: Credit card or prepaid card

the data that self financial incXXXX send out on XX/XX/2020 at XXXX est time zone my balance of ( {$250.00} ) when i look at my statement from login in on there website its different then what they are sending to u. now i know under the fair credit reporting act. this is a huge mistake on someone end either the billing e-oscar system going in loop and missing important data and skipping and missing stuff automatically, or e-oscar just been broken for 30 years. 

i have login in my account its very strange when you account tells you there no payment due or minimum balance due. we surely have a concern in the data system making errors or mistakes or just more errors then the system can handle. i spoke with self lender during the months of XXXX and XXXX and and XXXX and XXXX and XXXX and XXXX of 2020 during this cov-19 i ask the lady name XXXX, XXXX, XXXX, what are they doing to help there customers that had been effect with jobs lost/ and XXXX dollars to pay there account. self lender agent stated we don t care about our customers and that have been effective by cov-19 and they don t care about any ( executive order from the state of marylands residents ) Make a Credit Card Payment Credit card number : XXXX XXXX XXXX XXXX Remaining statement balance : {$170.00} Current balance : {$170.00} Payment due date : XX/XX/2020 Minimum payment due : {$0.00} Payment amount : Payment method : Add payment method Payment processing date : Immediate - ( XX/XX/2020 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

XXXX XXXX  XXXX XXXX )
Product: Credit card

American Express refuses to to listen to us about payment they say we owe the. 
We keep getting statements adding in interest, and it just keep getting higher. 
We owe them nothing, and we have the canceled bank checks to prove it. 
They will not give us a fax number to send them in so they can see for themselves.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>