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

In having a very hard month and being unemployed and searching for a job, I check my account balance on a daily basis. on checking my account on a Saturday. I saw that a scheduled charge had gone through on that day, which had made the account negative. I had checked the day before, on a Friday, and the account was not negative. on seeing that the account was negative on Saturday XXXX, for the first time, I proceed to borrow {$20.00}, from a friend to deposit, in the account to ensure that the account wont be negative. I never believe that any account should be in the negative, no matter how dire a situation is. 
This action on Saturday XXXX, removed the account from the negative. and all was well. the account was out of the negative. until the following Tuesday after the holiday, to my The bank to my dismay charge me {$40.00}. I am currently seeking employment and have no money to buy food to make. I checked my phone right after I saw the {$40.00} charge ( with no money ) and my account statement indicated incorrectly that I made the {$20.00} dollar deposit on that following Tuesday and not the Saturday of the XXXX. That 's a huge lie!. I have my deposit slip, which proves that the deposit was made on the Saturday XXXX. I then walked XXXX mile to the bank ( no car ) to get an explanation, and they humiliated me, because I am an XXXX XXXX man. any opportunity to humiliate an XXXX XXXX guy who doesnt look " correct '' is most welcome. talking loudly so everyone could here, afterwards then pleasantly dismissing, me. My deposit slip, and they refused to see it. They said the bank ordered them to do so. They didnt care what I had to say. Bank personel must have repeat that they couldnt do anything almost 5+ times. I need my {$40.00}, back as it is all I have left for the next couple of weeks. I am not a liar as they made me out to be. I have my deposit slip.
Product: Vehicle loan or lease

I calle d KeyBank at the  end  of  XX/XX/XXXX  for a def errment. The deferrment was approved. I have sent in the agreement  four tim es, and they have only gotte n one of  them, and will not accept it because it was cut off. I called yesterday to confirm receipt of the agreement, and she said she only got the one that they can not accept. If I am sending all of them to  XXXX  XXXX  XXXX , how have you only received  one of the four? I fe el as if they are forcing me into losing my car, and I am doing everything that I possibly can to ensure this is taken care of.  <P/> Th e agreement is due today (  XX/XX/XXXX  ) and  I am worried that they are going to claim they did not get it, or that they can not accept it.
Product: Debt collection

GreenSky LLC. and XXXX XXXX XXXX  of XXXX, IL. 

GreenSky at XXXX  XXXX, XXXX, GA XXXX at the time of my application of the loan clearly states in the flyer and on the phone that this loan is no interest loan for one year. This loan is in conjunction with XXXX XXXX college counseling. 
However, when the first bill came, i was charged {$240.00} interests in and {$440.00} interests in the second bill. They even sent me a letter in attempt to collect the interests. 

It is an intentional misrepresentation of the contract and an attempt to illegally change the terms of the contract. This kind of consumer lending is NOT Acceptable. 

My account number is : XXXX XXXX XXXX XXXX. I will attach the flyer and the statement and the collection letter.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681-2 ( a ) and ( c ) and 15 U.S.C 1681-B, to demand the immediate removal of the accounts listed on my credit report. These accounts were added without my express written consent, violating my rights! Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both authorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts.
Product: Payday loan, title loan, or personal loan

XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Loan amount XXXX wheres all these extra charges coming from. I tried calling and the representative responded the system may be glitching and nothing more was said.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I received a copy of my Experian consumer report and noticed a report of a public record. I sent Experian a dispute letter notifying them of the error and demanded that it be removed. On XX/XX/2022 I received an email notification from Experian stating they had completed there investigation of my dispute and the account " remains '' Experian also stated that the company that reported this information certified it was accurate. According to the FCRA, in order for Experian to report the alleged US BANKRUPTCY COURT it would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with me through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court, I also confirmed with XXXX, whom Experian states their public record information is obtained from, that they were not able to validate this alleged bankruptcy in accordance with federal law. Experian has NOT properly investigated this account and is willfully reporting incorrect and inaccurate information on my report. Experian is breaking several federal laws and committing fraud according to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ), and I HAVE NOT given any direct or indirect instruction to furnish any of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is not my account this was proven to be a part of the XXXX  data breach it was deleted by XXXX  from my XXXX  credit report
Product: Debt collection

In XX/XX/2019, I was informed that I owed {$140.00} to a medical provider. I had moved residences the previous years and had not received notification prior. I called the collections agency, LCA to pay the bill. The female agent I spoke to would not allow me to pay the bill without settling another claim that I had no information about which was in excess of {$1000.00}. I immediately called the medical group and paid the money owed. 

XXXX  continues to report this collection despite numerous requests to remove it. XXXX  and XXXX  have both removed the report. LCA says they can't remove it and the Medical provider says they have no control.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Credit reporting

My name is spelled incorrectly several times and there are old & incorrect addresses on my credit report that need to come off. 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX, NJ 07732-XXXX XXXX, NJ XXXX XXXX XXXX, NJ XXXX XXXX XXXX, NJ XXXX XXXX XXXX, NJ XXXX XXXX XXXX, NJ XXXX Incorrect SS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00}, and XXXX BANK XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Vehicle loan or lease

Trying to opt out of sharing with Capital One Auto Finance and ensure sharing of information is limited as per current law. Started attempting to do this with most recent bill from XXXX XXXX ( XXXX ) where annual privacy policy information was included. 
Have been put on extended holds with Capital One ( no  toll-free number is provided to opt out in a VRU/IVR ; you have to call them. There also is n't an option online to opt-out of sharing ), transferred between departments, and hung up on. 

When I managed to get to a person on XXXX at XXXX, I had to verify I was me by providing my full SSN, then the account number for the auto loan, so they could " find me in their system ''. I was put on hold again, then asked that I had to spell my full name for them. 

If they have both my full SSN, and the auto loan account number, they have all other personal and PII information about me ... my full name & address are on my billing statements, which should then be in their computer systems ... they could n't send out a billing statement without them! I asked for a supervisor to handle my request. 

When a " supervisor '' picked up, a woman named XXXX asked me for my credit card number, told me I was in the wrong division, then transferred me to the auto division 's VRU/IVR, where I had to reverify myself again. I got to a representative ( XXXX? ) who made me re-verify myself with more personal information, and then had no idea I was asking about the annual privacy policy notice, and then suddenly told me I was " taken care of ''. 

I have zero confidence that my Privacy sharing preferences are truly updated, and the only way I could find out is if I waited until their system updates next week and then go through a cycle of calls again. 

It seems like Capital One, especially their Auto Finance business, has gone out of its way to make opting out of sharing ( under the GLB Act regs ) as difficult as possible, especially when compared to other credit card/loan grantors.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations. 
And for them taking XXXX weeks to respond after I asked why one of my accounts were taken down
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a auto loan for a car with XXXX XXXX. XXXX XXXX  had my incorrect address on file, they was sending my mail to a Virginia address, that I never lived at. I just got that Virginia address removed from Experian, XXXX and XXXX account. I had to call to and update my address for that account. 

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights.

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.
Product: Checking or savings account

Account was double charged in XX/XX/year> for a hotel room. Ive called navy federal and the hotel, my funds never got released back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Account does not belong to me and or it was opened fraudulently
Product: Checking or savings account

I disputed a charge from XXXX rental with Bank Of America several weeks ago. I first called XXXX XXXX XXXX XXXX, FL and spoke with XXXX who said that when the car was returned they found that I returned the car with fruit on the consult of the car and not washed when you returned. This is a complete lie as the rental was returned clean both inside and out. I was told by Bank of America that I would receive provisional credit within 10 days. Upon checking on my provisional credit a few days ago I spoke with a representative who said the same thing happened to her when she rented a car at XXXX they charged her a ridiculous {$400.00} plus fee and she returned the car Clean the Bank of America representative also informed me that she would ensure that I receive my money back because she understands the frustration being that she When do the same thing with XXXX being dishonest. Two days later I call and Bank of America notified me that they close the dispute because they said I never sent them any documentation. First I was never notified by Bank of America via letter or conversation to send them documentation or pictures of the rental. When I went to get proof from XXXX according to their document they do not have the photos to share and they were not willing to provide any information. Bank Of America is in Violation of the truth and lending act. I feel discriminated against by Bank of America because I am on Social Security XXXX and they refused to help me.
Product: Checking or savings account

After signing up for an account and, by the admission of TD Bank, meeting all of the *listed* terms of the offer, TD Bank has created requirements not in the original terms and conditions, which I have attached. I have also attached my entire dialogue with TD Bank. They just kept making up different reasons depending on who you asked, which shows lack of familiarity with their own terms : 1 ) They claimed that after signing up for an account in XXXX of XXXX and having direct deposits hit in XXXX of XXXX, that my direct deposits did not occur within 60 days of opening. This is not how the calendar works. 

2 ) They then claimed that because I previously had an account, that I am ineligible for the offer. However, the offer terms clearly state " offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months ''. TD Bank claimed that my prior account was within those 12 months. However, TD Bank has confirmed my prior account from was closed in XXXX of XXXX where the new account was opened in XXXX of XXXX. Again, this is not how the calendar works. 

3 ) Next they tried to say it was in Store only. This was found by me, publically available, online, and the terms even say " available only when opening through a qualifying website. '' - the first sentence of the disclosures. They must be confused here and be looking at the wrong terms. 

4 ) Finally, and perhaps most absurd, is the claim that this violates the term " One bonus per account per Customer and can not be combined with any other offer. '' First, the definition of " combine '' is " to possess in combination '' or " to act together ''. It is impossible to have an account which has been closed for more than a year that used an offer that expire more than a year ago be possessed with or act together with an active account and offer. Second, Td Bank clearly defines the analysis to be on a " per account per customer '' basis - and concedes these are different accounts. 

In my opinion, TD Bank is inexplicably disregarding its very clear terms to the point it almost seems willful, which given the constantly evolving answers that disregard even basic math, feels almost to be a bad faith action.
Product: Debt collection

I found out in XX/XX/XXXX while applying to refinance our home that my credit rating was much lower than expected. On XXXX XXXX I called XXXX  and discovered a problem with a XXXX credit card  issued through Comenity Bank for the purchase of about {$80.00} I made in the summer of XXXX in XXXX. I use the card very infrequently. 

I acknowledge the purchase but I never received any monthly statements for payments at either our XXXX  cottage or our main home in XXXX. Not one! We have been to our cottage twice in the fall and winter of XXXX. While mail has been delivered there was absolutely nothing from XXXX XXXXComenity Bank. 

To resolve the issue I called Comenity Bank on XXXX XX/XX/XXXX. After a series of calls and delayed/overlapping correspondence from them they finally told me they had no information on my credit card and could not help me since the account had been sold to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$340.00} and an associated collection agency XXXX XXXX XXXX. XXXX. 

Comenity Bank lied to me. After the first call I did not hear anything from Comenity. I called twice more. On the second call they told me the cost of the original balance was {$80.00} and I would be sent a letter verifying that was the amount I owed. On the third call they listened to a recording of the previous call to verify what I was told. In written correspondence they said they would research my claim and would take days to resolve it. They never did this. 

It is clear that Comenity and XXXX did not have our address in XXXX  on record. It was not until I opened the dialogue with Comenity that XXXX sent me a letter demanding a deal of a one time payment of {$300.00} for settlement in full against the {$340.00}. Yet they had our XXXX  cottage address. 

In discussions with Comenity they have failed to provide the alleged missing account statements nor have they provided any information on when and where the account statements were mailed. They have washed their hands of the issue. My credit rating has been levelly damaged. There is no reason I would not have paid this bill on receipt of the statement. 

XXXX claims that mail delivery problems are no excuse. I maintain they never sent any statements. XXXX also said that I should have been aware of the outstanding bill much like a mortgage payment. I maintain that I receive monthly statements from all my accounts and that any normal consumer would reasonably expect such service from Comenity Bank and XXXX XXXX. 

I paid the {$300.00} because I feel trapped. 

Comenity Bank is at XXXX XXXX XXXX XXXX, Ohio XXXX. 
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, Ill. XXXX.
Product: Mortgage

I applied for the forbearance plan because I was having difficulties paying my mortgages due to XXXX. Now that I want to start paying back my mortgages they requested plenty of documents which I did submit everything and they are telling now that my loan modification was denied. Because I do not qualify and now I am very concerned about loosing my house due to this. I was told that these months on default will be added to the end of the maturity of the loan, but this bank is processing my loan modification like refinancing. I am a retired person with XXXX XXXX XXXX, I just want to continue paying my mortgage. I would appreciate if you can assist me with this issue with my bank. Thanks The name of my bank is : Shellpoint Mortgage Servicing Contact Information Customer Care Line : XXXX Loan Information XXXX My property : XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting acXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 

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
Product: Money transfer, virtual currency, or money service

Assisted by what was supposed to be XXXX support involving XXXX XXXX. Unknowingly being assisted by a scammer who advised me to use XXXX, which had no knowledge of nor ever used til that moment. Was told this would give a code to get my refund back from XXXX XXXX and be refunded back to my account. 
It was like they had virtual control of my phone. Knew exactly which screens to go to and exactly how to scam me out of {$1000.00} by using a code. 
I would never have used XXXX knowing what it is and reviews involving scams. 

I have a bank letter telling me I would receive all my money back and any fees that were incurred with this fraud account. Bank said associate made a mistake, on well.
Product: Vehicle loan or lease

I was turning my lease in for a new lease and the dealership told me that they would cover the old lease payments because I was buying a new car. They did a lease pull ahead with me. Ford Motor Credit reported this late on XX/XX/2021. I have never been late on this account and this was not supposed to be marked as late as I turned the car back in and they told me that I was no longer responsible for the payments.
Product: Mortgage

American Internet Mortgage sent money from my escrow account to an insurance company that I did not approve or have insurance with. They never reached out to me to verify the change in policy but instead just sent a check to a random company. AIM ( american internet mortgage ) told me that I would have to retrieve the money and send it back to them. I found out who the company was that AIM paid and that insurance company informed me they sent the money back to AIM and they cashed the check. I provided AIM with a check number and date that the check was cashed by them. They are refusing to reimburse the money in the escrow account and now I have an escrow shortage for money sent to an insurance company that I did not approve. I gave AIM all this information at the end of XXXX and was told they would open an investigation. I never heard back from them again ... I spoke to them a few weeks ago and they are still saying they can not help but offered to open another investigation. I have left several voicemails over the last two weeks but I am not getting a return call. My escrow account is short by almost {$1400.00} and now my mortgage payment has gone up. At the end of the day, AIM got their money back from the insurance company and they are now taking money from me that I do not owe. They are stealing money from me!