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

I had an account with TD Bank. I contacted them because my XXXX account was hacked. They temporarily credited my account for the charges that where done inside of XXXX. Many months later my account was negative and when I went to check why I was told I lost the chargebacks. I asked ... How that could even be possible? What did XXXX send them? At first they said they didn't send anything but it looks like the first representative didn't fill out the chargeback correctly. The next person who did the chargeback for me was a supervisor and she made it seem like I would be fine. She did everything again for me. So she credited my account again. There was one single transaction that the chargeback worked for but others it didn't. After a while my account became negative again. They also told me there is noting else they can do. They are not able to dispute another time. I said well you can not expect me to pay for something when my account was hacked. They are my bank and should protect there customers like many others do. It was numerous transactions. The total that they say I owe is around {$2400.00}. I asked the representative what will happen next. She said it will go to there internal collections department. I said I will not pay and I will not use them ever again. I will also make others aware that they should not use them because if they ever have a problem they may not win the dispute. They sent me a couple of letters about closing the account. I never received any collections letters but a few days ago I received a phone call from a collections company radius. They did not leave me a message but I seen the number and called back and I didn't even say who I was but they explained it was about td bank. I should of learned my lesson the first time something similar happened with TD bank. My wife and I hired a moving company and had to give a deposit. The moving company never showed up. They made a mistake with the date. We had to hire someone else the last minute. They still charged the around {$600.00} deposit. Went through the chargeback process with TD bank and tried multiple times with them till they said they cant do anything else. We lost all that money and TD bank was no help. My wife and I no longer can trust TD bank to protect us in situations that are not our fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX I noticed on my credit report that there are inaccurate information reported such as credit card accounts opened in my name without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Updated Equifax dispute letter with adjusted items
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account listed as XXXX and an account for XXXX XXXX.This has caused me tremendous XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

in XXXX i applied for a Home Depot Credit to have my kitchen renovated. I was declined, but I have over a 700 credit score low balance on all my cards and make over {$100000.00} a year for the last 5 years. I do not fell I was declined because of my credit, but for other reasons. If it happed to me, it may be a way of business for home depot and it should be investigated. Are they declining people based on race?
Product: Credit card or prepaid card

Earlier in XXXX of this year, I logged into my Citibank account and discovered unauthorized transactions for more than {$17000.00} on a credit card that I never use. 
No security alerts were ever triggered by Citibank. 

I immediately contacted their fraud department and because the number of individual transactions was over XXXX and I don't use this card I simply told the XXXX that I am disputing all charges. 
The person in charge of the investigation was XXXX XXXX. 

Almost 2 months have passed and all but XXXX transactions have been refunded. 
The outstanding transactions are XXXX balance transfers to an unknown bank account on XX/XX/21 in the amount of {$5000.00} as well as on XX/XX/21 in the amount of {$4700.00} in addition to a balance transfer fee of {$290.00} charged by Citibank on XX/XX/21. 

Because of this outstanding balance {$9900.00} still appearing on my account I have a payment due date of {$150.00} for tomorrow, XX/XX/XXXX. 

I called Citibank today and they claimed that I never disputed the balance transfers which is a lie. 
They also told me the name of their XXXX is XXXX XXXX which does not match the name I was given previously. 
The person I talked to also had no case number on file which must be a lie. 

I had a similar problem with this bank a couple years ago when someone stole my XXXX XXXX and made a few XXXX dollars worth of purchases. 
I had disputed all purchases and when I called back a month or so later the bank claimed that I never disputed the charges which was a lie. 

It appears that this is a common practice at this bank which is the reason for submitting this complaint. 

I hope you will be able to assist in getting these charges reversed.
Product: Debt collection

My husband and I had a modification done on our home in XX/XX/XXXX, my husband developed some health issues and could no longer work his part time job, we were happy to learn that we could qualify for a modification to bring our home mortgage down, unfortunately we were not given the full understanding of what this would entail. We are in our late XXXX 's and needed to refinance, we learned that the mortgage company has a lien on our title for XXXX XXXX dollars!! We believe we were duped by Midland Mortgage, we really thought that they were interested in helping us with this, but behind the scenes they used HUD and us to get funds that really benefited them. I have spoken to both the mortgage company and HUD, according to HUD it is all based on the mortgage companies standards for this amount. Had we been thoroughly informed that we would have been responsible for an amount like this we would not have gone through with this modification, they only lowered the bill by {$100.00}!!. I do not believe we should be responsible for paying them this money..Thank you, XXXX & XXXX XXXX
Product: Debt collection

I took a loan and paid it in full. Last payment was {$1000.00}. By error that closeout payment was sent to them twice. The 1st payment was paid for, the 2nd was not as I didnt have money to pay that amount again. They charged me {$25.00} fee for the 2nd payment, they knew they had no right to get as this loan was paid in full with my initial payment. I asked them to send info on this but they do not. They only choose to talk on the phone. They knew that 2nd debit was sent in. error, they they know the 1st payment sent paid off this debt. Also I get different stories from their staff they try to justify charing me money I don't owe. I just want to close out this account and never deal with this shady place again. Below shows my payments how on XX/XX/XXXX they received full amount they advised was my pauypuy amount to pay this loan in full. I paid {$25.00} fee as that 2nd payment was sent to them in error. 

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: Credit reporting, credit repair services, or other personal consumer reports

Experian lied on response ..this is a attempt to assassinate my credit ..there is a fraud account from years ago closed and revolving, also from my previous complaint, they claim there is no record of me having a card on file. 
Then why did they email me on XX/XX/XXXX, asking me to review the card they claim its no record of. 
That is a clear indicator this is purpose, I want to pursue further legal action. 
They are lying. I have the email as evidence.they just responded they have no record of me having a card or it being reported but send the email XX/XX/XXXX .experian emailed me.? the same company who has no record of my positive credit utilization, clear discrimination
Product: Mortgage

Reached out to Midland over a month ago and was told we'd have the letter in 10 days, then called back and was told it was 10 business days. Then called back and was told that they hadn't received a copy of the credit report showing the inaccurate info. 

The XXXX is picking up that they last reported in Bankruptcy XX/XX/XXXX et the XXXX XXXX was over 7 years ago. The only way that the XXXX can be fixed is if Midland provides the letter that states the account was not included in the XXXX whcih it wasn't it was paid. They are refusing to provide an accurate time line nor the letter confirming it was not discharged in the XXXX. Midland was simply notified previously that we had filed XXXX but not that Midland Mtg was included in either XXXX filing. 

The letter is a simple request that we were told we could have upon initial call, and the agent confirmed that Midland should have never sent an XXXX Update on XX/XX/XXXX. 
They are preventing us from obtaining new financing. There was no reason to recently update XXXX XX/XX/XXXX regarding ourMidland Account and a XXXX this is what the XXXX is pulling up. Again, the first rep told us they never should have updated anything with XXXX XX/XX/XXXX.
Product: Debt collection

The debt is with rise credit which I paid and when I try to dispute it with equifax they send me a notice stating that information has already changed. It hasn't its closed and killing my credit score
Product: Debt collection

In XX/XX/year> I was contacted by this debt collection company saying that I owe for an apartment complex. I started asking questions and they stated I owe the apartment {$2000.00} and that the move out date they is in XXXX. I reached out to the apartment several times for several months trying to get a resolution. I have even contacted Corporate and they are refusing to even try to work with me. They are also stating items was left in the apartment. I asked for a breakdown of what was left they could not provide me no information at the time nothing was in my apartment complex because I was XXXX and rebuilding. I was living in had a bad roach infestation.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 at approx XXXX XXXX pacific time, I submitted a " sell '' order for XXXX Bitcoin ( BTC ), via Coinbase. 

At XXXX XXXX the transaction was " COMPLETED. '' See Coinbase ref code XXXX, which says " Sold Bitcoin '' and " COMPLETED. '' At the time, BTC was trading at approx {$49000.00}. My proceeds, after Coinbase fees, are shown in their own records as {$24000.00}. 

Unbeknownst to me, the same amount of BTC was then returned to my account. And, at a different price, which is further proof that the transaction completed and Coinbase then undertook a second, unauthorized transaction on my behalf. 

I of course believed I had {$24000.00} in USD in my account. In the ensuing days, checking my account, I saw that it was not. Instead, I owned BTC, but BTC had dropped dramatically in value since my sale. 

Multiple attempts to communicate with Coinbase support were useless. First, they claimed it was an incomplete transaction, though their own records show that the transaction completed. Then, they simply closed my case without explanation. At no time was I able to speak with anyone at Coinbase. 

I eventually sold the BTC at a much lower price as I had no way of knowing what would come of the dispute, and yet BTC continued to drop in value. I sold the same amount of BTC on XX/XX/21, but the proceeds were only {$16000.00}. 

Coinbase should give me the difference between the two sale prices, which is {$7900.00}.
Product: Mortgage

This is an FHA mortgage which BOA has violated the HUD regulations regarding counseling ( 24 CFR 203.500, and 203.604 ) prior to initiating foreclosure AND while BOA was in receipt of a complete package did not attempt to cancel a trial and obtained a final judgment and sale date against the property in violation of 12 CFR 1024.41. In addition, after successfully obtaining a final judgment, in violation of 1024.41, BOA did not provide an opportunity to have an extended sale date to allow the borrower to have more time to be properly reviewed for a modification. 
Attached is confirmation of the documents sent to the lender. All documents the lender requested were submitted and complete. On XX/XX/XXXX, the bank requested : Our client has advised that the review can not be completed until the following is submitted:1. Both Non borrowers to provide signed and dated XX/XX/XXXX tax return2. Bank statement shows XXXX XXXX XXXX XXXX XXXX XXXX as mailing address. Borrower to provide signed letter regarding address discrepancy. 
3. Borrower to provide additional bank statements for acct ending in XXXX that is consecutive to XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX 
After submitting all the requested documents on XX/XX/XXXX, we assumed the file would be reviewed, but on XX/XX/XXXX, we were informed an additional, not-previously-requested bank statement was now needed.
Product: Checking or savings account

Bank is in violation of court order by issuing checks in the deceased name. Checks should have been made payable to the estate or to the spouse as clearly stated in the court order. All necessary information was provided including death certificate. After making multiple attempts to rectify the situation by visiting the bank in person and making several phone calls to the same branch the same representative instructed the spouse to sign the checks and write deceased on it which is in direct violation of the court order.
Product: Credit reporting

I am a victim of identity theft. I have disputed the items and they were removed after being proven they are not mine and the same exact debts have appeared back on my report for a second time after being sold to someone else again and the bureaus continue to re-insert the item. I have also requested to remove the fraud alert in writing for a short period and they did not do that either.
Product: Money transfer, virtual currency, or money service

Dear Complaint Service Team, I am writing to seek urgent assistance regarding an issue with a missing instant deposit from my Cash App to my XXXX XXXX business account. On XX/XX/XXXX, at XXXX am, I initiated an instant deposit of {$300.00} from my Cash App account to my XXXX XXXX business account. However, despite Cash App confirming the deposit, the funds never reflected in my XXXX XXXX account. 

I have contacted both Cash App and XXXX XXXX XXXX XXXX through chats, support requests, and customer service calls, but I have not received any resolution or assistance in recovering my missing funds. Cash App provided me with the following transaction details : - Deposit Amount : {$300.00} - Date of Deposit : XX/XX/XXXX at XXXX am - Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX - Last XXXX of Debit Card : XXXX - Transaction ID : XXXX I believe that the Transaction ID provided by Cash App should enable XXXX XXXX to trace the deposit. However, XXXX XXXX has been unable to locate the deposit, and both Cash App and XXXX XXXX seem unwilling to take further action to help me recover my funds. 

I am willing to provide any necessary information to assist in resolving this matter promptly. Please advise me on the next steps to initiate an investigation and recover the missing deposit. I am attaching the requested information below and stand ready to provide any additional documentation required. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to you regarding my account with the following information : Account Number : XXXX Original Creditor : Chrysler Capital Account Type : Auto Loan Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX I am not disputing the information on my credit report regarding this account. However, I would like to request the following specific information : Date of delinquency : Date of last payment : Date of charge-off : Thank you for your time and attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/2017 Kohl's- {$560.00} 30 days passed due XXXX/XXXX/2017 Kohl's- {$0.00} 30 days passed due I spoke with Kohl 's about this issue, telling them my bank recently changed my debit card to a card with a chip and a new number. So the automated payment would not go through on my old card. I have never received an email, letter, or a phone call regarding this matter. I have never missed a payment prior to this with Kohl 's or any other company in the last 13 years. I 'm in the middle of buying a house and it dropped my credit score XXXX points for a {$52.00} minimum payment. I have paid the card off in full and I am trying to get them to delete this completely unecessary delinquent status.
Product: Checking or savings account

At the end of XXXX being of XXXX a file complaint on US Bank because of duplicate payments from XXXXXXXX XXXX XXXXXXXX reverse the charges on XX/XX/XXXX I was unable to use the account and was charged a fee until XX/XX/XXXX. I contacted both agencies every day unto my account was positive. The back today in an effort as fraud to gain from fees took there provision Al credit back only issued when XXXX reverse the credit and delayed this transaction so I would accumulate a fee by default to there delay in the credit that should been issued when I contacted them it was not. They waited to cause this current negative when checking my account. The bank is committing bank fee fraud and not delivering the services they suggested.
Product: Checking or savings account

Chime closed my account without warning or reason. Said i wasnt in compliance but all i didnt was file a dispute on a charge that i didnt authorize. Told me itll take 30 days to receive my money that was in the account. I have no money to my name, Im a single parent and i have a lot of bills that are coming due. I have no one to borrow money from, i live alone and have no family. I dont have a way to provide for my children and i for the next 30 days and no one at Chime seems to care.
Product: Credit card or prepaid card

I called chime on XX/XX/XXXX. I told them that there were a bunch of fraudulent charges on my account. Not only did they not give my my money back but in the timeframe of the investigation they allowed another fraudulent charge to go through and allowed them to overdraft my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent XXXX XXXX XXXX {$5400.00}
Product: Debt collection

This was the first time I had to acquire a loan, XXXX had sent ads that I could borrow {$6000.00}. I went to the office and applied. The girl rushed me through the paperwork and I was not familiar with interest rates. I think the rate was 25 %. I repaid the {$6000.00} but was charged an additional {$8000.00} on the {$6000.00}. My dispute is that they have the loan posted XX/XX/XXXX, I obtained the loan XX/XX/XXXX or earlier which has been at least XXXX years. The {$6000.00} has been paid back, I explained the situation and said you have been paid back what I borrowed. I feel this is a crime what they have done to me, not only have they exceeded the money I borrowed in interest they have also ruined my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the 3 bankruptcies on my credit report several times. XXXX, XXXX  & Equifax keep telling me that they verified them with XXXX XXXX. I have a certified letter from the Court house confirming that they do not and will never verify bankruptcies with anyone Including XXXX, XXXX, Equifax and XXXX XXXX. By law, these credit bureaus can not report unverified information on my credit report but they refuse to remove it. This is a violation of the Fair Credit Reporting Act. Please have these bankruptcies removed : Reference # XXXX, XXXX, XXXX. 

Thank you
Product: Debt collection

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts ARS ACCOUNT RESOLUTION # XXXX, # XXXX, # XXXX, # XXXX, Third-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above company and I request again that proof of Claim and verification. I am filing a complaint over XXXX XXXX violation as well. I am not sure how my personal information ened up at the office of ARS ACCOUNT RESOLUTION
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX of XXXX RE : Account Number I've previously requested my consumer report from you & provided all the necessary documentation & received a response stating that i didn't do as such. 
I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
Supply your response within 15 days or delete the trade-lines.
Product: Debt collection

I have credit card debt that I am unable to pay at this time ; hope to address without filing bankruptcy. 
My friend advised me that he has received calls from Capital Management Services attempting to reach me to collect a debt. He is not a spouse or family member, but a neighbor. When I called this company, they attempted to say it was my contact info. Total lie, number was never under my name. 
I have read numerous complaints re this group 's illegal and unethical practices. Please stop them.