23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I got a text from TD Card Services saying that someone made a purchase at XXXX using my TD Card. I immediately called and told them that I did not make the purchase. They said that it was too late as it was already approved. I couldn't get them to call XXXX and stop the transaction. They said that it was a job for law enforcement. They cancelled my card and removed the charge and issued a new card. Several weeks later I received a letter that stated that an investigation showed that there was no billing error and they added the charge onto my new card. I called TD Card Services and told them that it was not a billing error, but a fraudulent purchase. They said that I would have to take it up with XXXX and gave me a XXXX number to call. When I reached out to Apple they didn't understand why TD Card was charging me back the charge as they had it flagged as a fraudulent purchase and refunded the money to TD Card. XXXX told me that there were many of these fraudulent purchases in XXXX by the same individual. They would purchase an XXXX online, to be picked up at the XXXX XXXX, then change the pickup name to their name and go pick it up. That process takes some time, so had TD Card made a call as I asked them to it could have been stopped. The rep at XXXX instructed me to call back TD Card Services and give them their number XXXX and order number XXXX and they would tell them that it was a fraudulent charge and that the funds were returned to TD Card. I did that but they refused to remove the charge from my account. I have a police report XXXX filed with the XXXX Police and a detective assigned to the case. That information also didn't help me get the charge removed. They have the phone serial number. They could easily track it's location. I don't understand why TD Card refuses to remove the charge when they got their money back from XXXX. Are they really trying to profit from a fraudulent charge?
Product: Consumer Loan

NC Financial Solutions of Utah, LLC d/b/a NetCredit ( hereafter " NetCredit '' ) is loaning money to consumers in XXXX and charging an annual interest rate of 150 percent. XXXX. Code Ann sec 6.2-1501 ( A ) requires consumer finance companies charging a rate of interest in excess of 12 percent to first obtain a license from the XXXX State Corporation Commission . NetCredit is not licensed as a consumer finance company by the XXXX SCC. 

When questioned about the above, NetCredit claims that their XXXX license authorizes it to make loans to XXXX residents. ( 1 ) Utah does not even license this kind of business. Businesses are merely required to give notice if they are conducting this kind of business in XXXX. ( 2 ) NetCredit is a XXXX, LLC with its offices in XXXX and, as near as I can tell, no physical locations in Utah ; and ( 3 ) XXXX absolutely has the right to statutorily regulate loans made to its residents. 

XXXX Code Ann Sec . 6.2-1541 provides that loans made in violation off sec. 6.2-1501 are void and NetCredit is obligated to return all principal, interest and fees paid by me.
Product: Debt collection

I have no knowledge of this account, it is fraudulent I have had any connection with this account.
Product: Checking or savings account

I made an external transfer to US Bank from XXXX of {$3000.00} on XX/XX/XXXX to a business checking account. It was supposed to arrive on XX/XX/XXXX. US Bank closed my account on the XX/XX/XXXX since I made an opening deposit that was rejected due to insufficient funds ( I put in the wrong account information ). This is why I tried to make the secondary {$3000.00} transfer to cover the opening deposit. 

I have contacted US Bank three times regarding this matter and they said it should have been returned since the account was closed. It's been XXXX weeks, no money. On their banking website, the status shows returned. 

I contacted XXXX twice and they said there is nothing they can do since they haven't gotten the return from US Bank and to contact them. 

I am tired of being given the run around and just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX {$1000.00} ; XXXX XXXX  XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX IN Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested another investigation into my credit report and proof with documentation, instead I received a letter stating that my file will remain unchanged and was updated. They failed to provide proof and replied with they gather data from a third-party company XXXX. As stated before Equifax refuses to properly investigate this item and has failed to do so and has wilfully kept reporting this on my credit likes its states in the attached files they verified it in XX/XX/XXXX which was through a third-party company and failed to provide proof. They are in violation of the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyone 's credit report. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed they dont report any information to Equifax Credit Bureau, therefore this was has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Im demanding this public record to be removed from my account and the invoice provided for violations be paid in full.
Product: Checking or savings account

Current Banking ( XXXX XXXX XXXX ) does not direct deposit when they are supposed to. They will sit on your check to gain interest on it. I have had this account for months and I have been paid early/on time ONCE. I split up my payroll to go into 2 separate accounts. One account my pay arrives early every pay period. With Current ( who says that you can get paid 2 days early ) I'm usually waiting until the day AFTER I'm supposed to be paid. ( So 3 to 5 days if it's the weekend ) When I reach out " there are no pending transactions '' uggggh ... can we stop with that disgusting bit?? They also claim not to show pending transactions because they release the funds as soon as they are initiated by the employer. If so, then why am I waiting DAYS before I receive my full paycheck?? Especially when one bank shows the funds as released? I'm literally spending half of my check and waiting on the other half. I'm sorry but the GREED is just too much and too obvious. Run away from Current and XXXX if you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute a collection on my credit report with XXXX I wanted the collection removed from my credit report because it was paid. I had requested several other collections removed as well and XXXX removed them with no problem. Now I have the last collection that I have paid and wanted removed and XXXX will not remove it and they do not give a reason to way it is still on my credit report. I have requested several times and now someone who works in the dispute department has put a block so I can not dispute the collection with no explanation.
Product: Credit card or prepaid card

This company reduced my credit limit by more than 50 %. I want my {$5200.00} limit restored.
Product: Checking or savings account

I tried to electronically deposit a check into my chase business checking account that I've had for over 10 years. The check was from a client for services performed in XXXX. The check was # XXXX dated XX/XX/XXXX to XXXX XXXX XXXX, XXXX in the amount of {$28000.00}. on the XXXX of XX/XX/XXXX, the money was removed by chase from the issuers account, and the check recieved a 'restricted endorsement '. This was not made clear to me by them but by another bank. So essentially I won't be able to take the check anywhere else for deposit and they won't give the money back to the issuer so that I can try to deposit the check anywhere else. 

Some time after I tried to deposit this check into chase without my notification or consent or without providing any information as to why, my account was closed. I can't access any of my statements for taxes etc. It's as if the account never existed. The money is still being held by chase. Every attempt I have made to try and get the money returned to the issuer has been met with with false promises, etc. I filed a complaint with the OCC, Chase assigned my case, to someone at Chase that was on vacation. I tried to get in touch with her many times, only to find out that when I did get finally get in touch with her that the OCC case had already been closed. 

Every step of the way I've been pushed off, ignored, or outright lied to. Legitimately useful information has been witheld from me. The report on the response to the OCC complaint was falsified according to what's been told to me by Chase. It's really been super horrible. 

This whole process has been so frustrating its killing my business and my stress load has exploded to the point that I am completely overwhelmed. All I did was deposit a check and now my financial life has been ruined with no end in sight. Please, Please, someone send me an angel that can make all this go away and I can get back to my normal life where banks deposit checks for their customers and people are good to each other. 

Thanks!!
Product: Checking or savings account

I have never been able to access my Fifth Third Bank XXXX Checking Account. 

I have spoken to multiple Fifth Third Bank employees, and received an inconsistent range of responses regarding this issue : I have been told my account should be immediately accessible ; that it will take 14 days to access due to a " system glitch we've known about for over a year now '' ; and have been hung up on when requesting a supervisor or escalation for this issue. 

I need to be able to use my bank account, that is why I opened it. When I advised I would be filing formal complaints with the CFPB and XXXX, I was actually ENCOURAGED to do this by local branch employees, so that " something would finally be done about this issue ''. 

This is a ridiculous, absurd, and disgraceful first impression of Fifth Third Bank. I won't forget it, and hope the rest of my tenure with Fifth Third Bank is smooth and painless. 

Thank You in advance. XXXX XXXX
Product: Credit reporting or other personal consumer reports

There was a data breach and my information was leaked. Accounts that I had were took out of my control and were closed for reasons I still dont know because they say they dont have to specify why they just dont want to do business. These accounts are XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

equifax is reporting 2 unknown incomplete information such as NA as item name which stands for nonavailable to an unkown account XXXX and a medical bill with XXXX XXXX AND XXXX XXXX AS A collection while it has been charged off
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally notify Experian for not properly investigating and CPFB for not doing enough to prevent Experian from continuously violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This letter serves as an official notice and a request for immediate corrective action. 

Specifically, Experian has violated my rights under the FCRA in the following manner ( s ) : ACCOUNT 1 ) XXXX XXXX XXXX XXXX - FOR YEARS HAVE REPORTED THIS ACCOUNT INCORRECTLY, BALANCE, AND PAYMENT HISTORY IN THE AMOUNT OF {$7700.00} ACCOUNT XXXX ) XXXX XXXX XXXX XXXX - FOR YEARS HAVE REPORTED THIS ACCOUNT INCORRECTLY, BALANCE, AND PAYMENT HISTORY IN THE AMOUNT OF {$1700.00} ACCOUNT XXXX XXXX XXXX XXXX- THIS IS NOT ASSOCIATED WITH ME. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX- THIS IS NOT ASSOCIATED WITH ME. NEVER OPENED AN ACCOUNT WITH THIS LENDER. 

ALL OF THESE COMPANIES REFUSED AND IGNORED MULTIPLE REQUESTS AND EACH ONE EXCEEDED XXXX + DAYS TO FIX MY REPORT. 

Failure to maintain accurate and up-to-date information on my credit report, in violation of 15 U.S.C. 1681e ( b ).

Failure to properly investigate a dispute regarding inaccurate information on my credit report, as required by 15 U.S.C. 1681i.

Providing my credit information to unauthorized third parties without my consent, in violation of 15 U.S.C. 1681b. 

As a result of these violations, I have suffered harm, including [ explain the consequences, such as denied credit, higher interest rates, emotional distress, etc. ]. 

I demand that Experian AND CFPB take the following actions immediately : REMOVE ALL FOUR ITEMS LISTED ABOVE! 

Provide me with a detailed report on the investigation conducted regarding my disputes. 

Cease and desist from sharing my credit information with unauthorized third parties. 

Please consider this letter a formal demand for compliance with the FCRA. If these issues are not addressed within [ reasonable time frame, e.g., 30 days ] from the date of this letter, I will have no choice but to pursue legal action to protect my rights. 

I expect a written response detailing the actions Experian AND CFPB has taken to resolve these matters.
Product: Checking or savings account

Capital One bank is holding my regularly schedule direct deposit. I noticed this issue upon waking up on Thursday, XX/XX/year> at XXXX when I usually check my Capital One application in order to make sure my direct deposit hit. I was shocked to see that my checking account was fully empty! I was so confused. This has never happened in my life. The bank I have had for about two years is suddenly holding my biweekly check. I remained patient although I was extremely frustrated. I went on about my day and as the hours passed, I realize my deposit still was not visible in my account. I went to XXXX  app to see if I was the only one experiencing this issue and surely, I was not the only one. Capital One needs to be fined AGAIN for holding thousands of customers direct deposit! People who are living paycheck to paycheck are especially suffering in this time. Especially in this economy! This is UNACCEPTABLE! We need a voice to advocate for us who Capital One thinks they can just rob us blind and we cant do anything about it. A lot of customers experience late fees when they do not pay their credit cards on time. In that case, we as Capital one customers need to charge late fees for not receiving our direct deposit on time! Im writing this on Friday, XX/XX/year> and I still have not received my direct deposit because Capital One is holding it. Me along with thousands of other loyal customers who have been banking with Capital One. I can surely say that me along with thousands of other customers will be switching banks after this stunt.
Product: Credit card or prepaid card

I disputed an issues with capital one credit. Close cases should be removed from my credit report do to a third party collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of a crime, which included having my New York State ID, Social Security Card, and credit card stolen, and this occurred in 2019. I am requesting that all soft and hard credits be removed for the calendar year 2019. I am including XXXX XXXX XXXX XXXX Police Department report, which verifies my situation.
Product: Vehicle loan or lease

After making arrangements to pay the balance, several agents stated they " had not received payment ''. These were in fact sent through XXXX XXXX 
After changing my address and notifying the company of this change, they continued sending correspondence through mail to my old address in XXXX, Oh. 
After retrieving the mail that was sent, I noticed that no notice was given of the threat of repossession in the first place. 
Due to COVID-19, I faced financial hardships after becoming unemployed. 
Deferred payments were denied but this is a definite option, denied without good cause before collection of the vehicle. 
I was offered an opportunity to pay {$1000.00} for the creditor to " hold the vehicle from auction ''. To my knowledge this is false, another representative suggested over {$3400.00}. 
I came up with {$2500.00} to pay the past due balance, but they will not accept this even though it is far beyond the {$1000.00} meant to " hold '' the vehicle. 
The vehicle was taken between XXXX. Only on XX/XX/XXXX was a notification sent, and this was a " Right to Reinstate '' letter along with a statement with a balance due of {$2500.00}. 
After further review, this company has collected debt in an unlawful manner numerous times.
Product: Consumer Loan

Wellsfargo bought out the prior company that managed Dillards and I was no longer getting my bills. Account was paid off during transition and then I made a purchase but never received the bill. Now they are reporting it late. A lot of my info did not transfer over from the XXXX company to WF
Product: Credit reporting or other personal consumer reports

This letter is a formal request regarding the student loan debt ( s ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( s ), and I am requesting proper validation.

This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 
Specifically, I request the following : Account Name : XXXX  Account Number : XXXX, Amount : {$45000.00}, Date Opened : XX/XX/2017 Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( s ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt.

1. Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within 30 days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the 30-day window, I will pursue all available legal actions to ensure compliance.

2. Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.
Product: Mortgage

I have been trying to work with Newrez since XX/XX/2023 to resolve the questions and issues we are having with our escrow payments. During that time, I have observed poor business practices that make it challenging as a mortgage holder to resolve issues in a timely and satisfactory manner. As of today, XX/XX/XXXX, I am still awaiting a satisfactory resolution to the issue with my escrow payment. The first issue is that the customer service representatives don't understand basic information about my account. When I call for help, I often have to explain not just the issue, but how to review the documents that Newrez has provided or used to service my loan. Also, there are times when I call and the customer service representative says that they have done or will do something when they haven't ( like file a ticket to route my issue to the appropriate department ). When I submit a request for help online, newrez does not save the message in a place where I can view it later. To clarify, once I submit a message electronically, I do not have access the message for future reference. Additionally, newrez responds via a physical letter or sends an electronic message through a completely different site. This makes no sense since their website is supposed to have a secure messaging portal. But there is no way for me to send messages through their secure message portal. I am forced to use the help menu. Often times it takes weeks to get a response, and the response does not answer the question. It's as if they aren't reading my question or don't understand it ; but no one ever calls for clarification. All of these business practices make it hard as a borrower to get anything resolved and keep track of the responses. It seems as though this is the goal of these business practices. It's been so frustrating that we've looked into other servicers, but we are unwilling to double our interest rate for something that is not our fault. Separate from the poor business practices, the actual issue that we have been trying to resolve since XXXX is that our escrow analysis was showing a higher property tax liability than what Newrez had been paying and what the town had been charging. This has led to higher than necessary monthly payments which we are being forced to pay because we want to avoid penalties and negative impacts to our credit scores. The latest response still included an incorrect escrow property tax amount, despite also showing the correct property tax amount paid out. It feels like we are being taken advantage of while we have been trying to work with Newrez in good faith. Six months is a long time to go on paying more than you should because of an error with the escrow analysis.