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

TD BANK ACCUSED ME OF INVOLVEMENT WITH THE THEFT OF FUNDS IN XXXX THAT WAS DONE THROUGH CASH APP, THEN AGAIN IN XXXX ; IN XXXX AN INSURANCE CHECK FROM XXXX XXXX XXXX WAS SENT TO SOMEONE ELSE 'S ACCOUNT -- NO FAULT OF MINE- IN THE AMOUNT OF {$1600.00}. 
IN XXXX, I NEEDED A NEW VEHICLE, I APPLIED ONLINE AND GOT A RESPONSE FROM A COMPANY WHICH BEGAN TO SEND ME MORE MONEY THAN I NEEDED. THE COMPANY TOLD ME TO RETURN THE MONEY VIA GIFT CARDS, AS THE FUNDS DID NOT COME FROM A BANK. HOWEVER TD BANK SHOULD HAVE WARNED ME. I RETURNED THE FUNDS AFTER WITHDRAWING THE FUNDS FROM THE DEPOSITED CHECKS. THEN I WAS CONTACTED BY TD BANK TO CLOSE THE ACCOUNT AND OPEN A NEW ONE BECAUSE ALL OF THE CHECKS WERE FRAUDULENT. THEY THEN DEDUCTED MY SSD, NEW YORK STATE PENSION AND WORKERS COMPENSATION CHECKS AND CONTINUE TO DO SO. 
I'M AWARE OF TD BANKS RECENT CLASS ACTION LOSS IN COURT.
Product: Credit reporting or other personal consumer reports

I didnt authorize rocket mortgage & XXXX XXXX To pull my credit. 

Please delete this inquiry asap
Product: Mortgage

BSI has continued to hold on to my money and not allocate the money to my mortgage account in the amount of {$1200.00}. They charge me late fees repeatedly even with my paying more than is due. 

I have attached a copy of a screen shot of XXXX and paid more the required amount. 

I want my mortgage payment allocated and late fees reversed based on the attached screen shot of my mortgage account as well as the unallocated mortgage payment.

BSI continues to charge late charges on a payment that was made to them and they refuse to allocate the money. 

I want a RESEARCH analysis done and the XXXX payment applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX, EXPERIAN AND XXXX. These companies have repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, these bureaus have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Mortgage

Received the same modification packet dated XX/XX/, which was due on XX/XX/, with additional documents to notarize and sign. However, there is no expected date to return the additional notarized and signed documents, the expected return date still shows XX/XX/. In addition, sections in the packet that are currently highlighted were not highlighted before. This complaint is a continuation of complaint # XXXX. 

I'm still waiting for a response to the following : I discovered on the XXXX XXXX section, Additions to Principal Balance shows a debt balance of {$13000.00} ; however, the most recent mortgage statement dated XXXX  shows an escrow credit of - {$13000.00}. Why was this amount added as a balance due instead of a credit? It contradicts the XXXX XXXX as it shows this amount as owed, but on the statement, it is a credit. Why was the escrow amount added as a balance due to the unpaid principal balance of {$150000.00}, causing the New Modified Unpaid Principal Balance to increase to {$170000.00}? Existing Unpaid Principal Balance {$150000.00} Additions to Principal Balance Unpaid Accrued {$7200.00} XXXX XXXX for Escrow Items {$13000.00} Subtractions to Reduce Principal Balance : New Modified unpaid principal balance {$170000.00} Is the amount in question showing as a debit, the money I owe, or credit money owed to me? 

Will there be any additional documents to be notarized and signed? 
Please provide the expected date to receive the returned and additional documents.
Product: Checking or savings account

We were told to transfer accounts due to completing a house closing. Our funds have not been deposited or released. We were not told nor was it in writing when opening the account that there would be a 7 business day hold. US bank tried to blame the bank we transferred the money from but XXXX XXXX  has the funds released the next business day. US bank has caused us to have our home closing canceled and has caused us a great deal of stress when buying a home is supposed to be a happy process. Our funds have shown pending in US bank since the XXXX but we are still being told we can not have our money and that US bank has no control over the hold
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi credit has failed on multiple occasions to report my financials to the credit bureau. This is adversely affecting my ratings. According to Citi 's policy, a report should be made on the XXXX of every month or at least at the end of my billing cycle which is the XXXX of every month. On XX/XX/XXXX, I called citi to advise that my credit needed to be reported as soon as possible as I am working on a time sensitive issue. 

After seeing no changes, I called Citi on the XXXX to see if I had misunderstood anything in their policy. I was told that a report would be made by midnight. On the XXXX, after seeing no changes, I made a call to citi again on this matter. I do not believe I received a coherent explanation. 

It is XX/XX/XXXX, and my XXXX report from Citi is still reflecting an outdated report of XX/XX/XXXX. XXXX has told that they have not received anything from Citi. 

In these rapidly changing financial times were time is of the essence, I plead that credit institutions should be accountable for either their dereliction of duties or complacency. 

I hope that CFPB can do something about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a hand written letter asking for the description of the reinvestigation used to determine the accuracy and completeness of the accounts below and they failed to provide it within the 30 day period the FCRA allows. It is not my job to hold you in compliance but to ensure my credit report is fair and equitable to me. You are alleging the accounts as negative meaning you have validity and verification of the accounts and should have the description of the procedure including all parties that were contacted to determine the completeness and accurate. Please understand as stated before I am not disputing ownership it is my right to receive that description of the procedure and since you haven't provided it in 30 days the following account shall be removed ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX And also these accounts did not have permissible purpose they did not have a judgement nor my written consent which is a violation of the FCRA. I SENT 2 LETTERS sent XX/XX/2022 and XXXX I have acted in good faith by allowing more then 60 days and still have not received a response. YOU ARE WILLFUL AND NEGLIENTLY NONCOMPLIANCE.
Product: Debt collection

I had a bank account at Suntrust 2 years. This bank was bought by Truist Bank.I had dispute in the processing on checking account # XXXX and saving account # XXXX of the account being transfer they started charging my checking account with a balance { {$560.00} and saving {$180.00} } without notifying me. I found out after they charged me for months - They did not notify me about these charges. and closed my account sent/sold to XXXX XXXX XXXXXXXX XXXX XXXX They should not have made this incorrect charges/errors. The ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX attempted to collect a debt that not owe. According to the fair credit collection practice act, 15 USC 1692g sec. 809 ( b ) the credit collection company was asked to validate the debit through certified mail which they could not verify. knowing the debt is not mine and these reporting has been affecting me to open up a checking and saving due to im in chex system.
Product: Money transfer, virtual currency, or money service

Contacted cashapp in reference to two different transactions that was processed without my consent on XXXX in XXXX in bitcoins and another for XXXX sent to an unknown person by the names of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX which cashapp notified me via email on XXXX and was told that due to cryptocurrencies it is against the law to convert back to USD AND PROVIDE ME MY XXXX dollars in refund this had caused a XXXX  XXXX as my finances were impacted by this transaction and they refused to assist
Product: Credit card or prepaid card

American Express won't let me use my points " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' No one can tell me when me and my partner will be able to redeem the points. Given various reasons for the hold. We made a complaint and still haven't heard anything.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Business name XXXX XXXX XXXX. 

Ref : account XXXX to whom this may concern : I have an issue with M & T bank I financed a vehicle going back XX/XX/2013, I set up automatic payment An authorized the bank To withdraw from my bank account every single month The payment that is due for my finance the vehicle, in beginning of XXXX I inquired To take out a loan shockingly I see on my report That M & T bank is reporting me to the credit Bureau that I was late, I reached out to M & T bank For explanation And they respond to me That I did not pay the last Payment So I told them That I authorized M & T bank to take Out from my bank account Every single month for the monthly payments they did not withdraw the last payment And then they are blaming me for not making payment I need this derogatory items removed from my report as soon as possible. The reason I set up automatic payment So I shouldnt be in this position That I was late On a payment And here I am in the situation that I did not want to be Do the negligence Of M & T bank not reaching out to me And not withdrawing From my bank account which I authorize them In the beginning of my Finance Contract.
Product: Credit card

My husband and I are longtime customers of Chase. We applied online about two weeks ago for a Chase credit card. In the past, we have received an instant decision which has also always been positive with a large credit limit. This time a message appeared saying it would be reviewed and that Chase would get back to us. When we inquired at a Chase branch, the representative was not engaged and said she had no notification of our application status in her system. I also registered my comments on the Chase website. 
I still have not heard anything back and would like to know the status of our application. Perhaps that 's not too much to ask of a bank that is the size of Chase.
Product: Credit card or prepaid card

I received a prepaid debit card from XXXX XXXX XXXX  for being a part of a research project. 
I went online to registered the card, per the instructions I received, which were published by Bank of America, the issuer of the card. 

I tried to use the card a couple of weeks later, and it was refused. I was trying to use the card on XXXX. 

I went on the Bank of America website to confirm that my card was registered to me, and I updated the PIN for the thing. All seemed in order there, so I figured there was a problem with my trying to use the card because it is a debit card ( I don't use debit cards because they are innately insecure, so I don't really know how it works, using them online. 

Then, I tried to use the card again on XXXX, and the card was refused, again. 

Same drill with the Bank of America website, which reported that my card was registered in my name, and associated with me at my home address. 

Then, I tried to use the card via XXXX to pay for a donation I wanted to make a donation to a not for profit. 

The card was refused yet again. 

Same drill with the Bank of America website, but this time I followed up by calling the customer service number on the back of the card. 

This time, I spent XXXX minutes on the phone, getting the problem fixed, with my call being dropped by " XXXX in Tennessee '' because his VPN wasn't working properly. 

Apparently, Bank of America 's site for registering prepaid cards did not associate my card with me, and it was showing up as unregistered on XXXX 's screen. 

I want Bank of America held accountable for this scheme, because we all know that this was intended to make it hard for me to access this money in hopes that Bank of America could keep it for its management to count as profits when the card expires in XXXX years. 

The bank is notorious for pulling these kinds of cons, and the managers of the bank must be held accountable for this illegal behavior. 

Oh, and I also found out when speaking with XXXX that Bank of America will not allow me to use the card when transacting through XXXX, one of its competitors. That seems to fly the face of all kinds of competitiveness laws and regulations. If denying me the ability to utilize XXXX to clear my transactions is legal, I want CFPB to explain why that is, because I want to write my elected representatives to complain about that. 

And for the record, nowhere in the paperwork I received when given this card does it clearly state that I am not allowed to transact over XXXX 's infrastructure.
Product: Credit card or prepaid card

OnXX/XX/XXXX I mistakenly paid XXXX XXXX {$3300.00} using pay online with XXXX XXXX XXXX. I had a {$0.00} balance with XXXX XXXX. The payment was meant for a different credit card. I contacted XXXX XXXX the next day to explain my error. They promised that the money would be credited to my XXXX XXXX XXXX account within 10 business days. I did not receive the money. I contacted XXXX XXXX and was told that my account was not valid. I explained that this is not possible. I did not provide any account information to XXXX XXXX they had it all on file. I still use this account to pay my bill. I was told that a check had already been mailed. That check never arrived. I contacted XXXX XXXX  again and was told that they had the wrong address. I explained that may be the reason that the credit did not go through. They refused to credit my account again and also refused to allow me to pick up a check. I explained my concern that I am paying interest on the account that I actually owe. They claimed that another check would be mailed. I followed up with XXXX XXXX and was told that the check should be at my home no later than XX/XX/XXXX. I have been out of town, but upon my return on XX/XX/XXXX there is no check here. I have made numerous calls to XXXX XXXX and at this point, I feel that I am being lied too. I recognize that this started as my error, but I do not feel that it should take 2 months to rectify.
Product: Money transfer, virtual currency, or money service

I transfers a total of {$2000.00} by way of two {$1000.00} transactions on XX/XX/2021. On XX/XX/2021, the funds cleared my back and was placed in my PayPal account balance. In the same day, PayPal put a restriction on my account to where XXXX cant access my hard earned money and stated that I must wait 180 days to have access to the funds In my Paypal account. My bank rep contacted PayPal to resolve the matter letting paypal know that the funds are legitimate but still no success. I called several times and was asked to submit documents such as bank statement and I'd but still my account was still restricted. The case number in regards to this issue is : ( Ref ID - XXXX ) which was provided by PayPal! PayPal makes it virtually impossible to appeal or review the decisions made by them concerning your account and the money held hostage by them.
Product: Checking or savings account

On XX/XX/2019 I closed on my house and received the equity check of XXXX from the title company. The check was deposited into an existing checking account at fifth third bank in XXXX Indiana at the XXXX. The check cleared two days later but the manager refuses to release the funds and refuses to pay interest for the days they are fraudulently holding the whole check. She is acting in a vindictive way. I tried to complain to other managers but its late on Friday. Ill definitely try again Monday but need help in getting my money
Product: Credit reporting

I previously disputed and they removed, then listed again on Equifax and XXXX a tax lien that was paid in full and forward proof of supporting documentation from the state of Georgia, that indicates i letter any credit company that haves this debt, listed on credit report must remove it. They refuse and give you a hard time even with over XXXX reports filed in two years. Also i have filed Chapter XXXX bankruptcy, the continue to add the debts listed in bankruptcy for discharged that they are open and listed in collections, and no included in my chapter XXXX bankruptcy. The creditors are listed in my court documentation, and some where foward over to collections agency but that debt is still listed for amount, and creditor. They ask for proof of Chapter XXXX Bankruptcy, I filed, and I forward this my email, and certified letter, they said that even though my creditors are listed, as for disharged that is not proof and that they can keep listing incorrect debt as in collections even though they are listed in my Chapter XXXX bankruptcy is should state on my credit report as ( included in BK. ) I tired of trying to get my credit file disputed, call forward the forms they want and they still refuse to update credit report. They even refuse to update my job I have been on for over 8 yrs.They say I do n't work there and I forward a XXXX, and pay stub with address. By me working for XXXX I must keep abreast and make sure the credit report have the correct information. But XXXX and Equifax refuse to update their records
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$760.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/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: Debt collection

THIS COMPANY ADDED A COLLECTION TO MY CREDIT REPORT BACK IN XXXX OF LAST YEAR WITHOUT EVER EVER INFORMING ME OF THIS. 

I FOUND OUT IN XXXX WHEN I CHECK MY CREDIT ON XXXX XXXX AND SO THIS COLLECTION I SENT A LETTER ASKIGN THEM TO VALIDATE THE DEBT AND TO THIS DATE NOTHING AND THE ILEGAL COLLECTION DEBT IS STILL ON MY CREDIT REPORT I DEMAND THAT THIS IS REMOVED AT ONCE.
Product: Payday loan, title loan, or personal loan

Company refused to acknowledge or accept their charging fees and on top of that interest rates piling one on another every month. No charge was made on the XXXX XXXX CITI account only the one that CITI decided when they wanted to install a fee.
Product: Checking or savings account

On XX/XX/2023, Bank of America closed my debit card with a balance of over {$6000.00} and promised to send it to me in the form of a check within 15 days. But, it has been over 2 months and I have not received the check yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed an inaccurate account with Experian the account which is XXXX XXXX   XXXX Experian investigated and it came back verified. in XXXX I sent in a certified letter to Experian for a Method OF Verification,,, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Experian got the letter on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Experian completed there investigation with the account XXXX XXXX XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, ,I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is a original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested. per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Experian received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,,