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

Am in the process of stopping the use of the account due to pncs ineptitude. Forgot to switch one of my accounts and funds went over, I transfer from my other and account and they said it was complete but the funds did not appear in my pnc account. I went to pnc to physically transfer money from accounts. They had no issue charging me a fee to withdraw money from my other bank, but would not allow me to deposit money in my pnc account. I went to the inside atm and the same issue, you can not deposit cash. They will probably, again, charge me a overdraft, but this is the issue, I can not deposit money into my account, so I can not logical see how one is supposed to deposit money. Some people work during the 2 hrs the bank is open during the day. When they block the only option to actually deposit money that is very predatory. Not to mention the blockage of linking accounts and transferring money with third parties. They dont want to spend money on real security so they block customer access. Shameful
Product: Prepaid card

On XX/XX/XXXX, I went to a local XXXX XXXX purchase a few things and since I was there, I picked up a {$100.00} XXXX  gift card. XXXX is a PC gaming platform where you can buy digital content of video games. 

Anyways, I double checked the back of the {$100.00} XXXX gift card to look for any signs of tampering or visible scratches on the back of the card at the gift card display near the registers at the front of the store. 

My total purchase was XXXX and I was going to give it to my brother for XXXX. Well, two days after XXXX, my brother each out to XXXX  first to state that when he tries to redeem the {$100.00} gift card, an error message appeared that displays that the gift card has already been redeemed for this amount. 

XXXX told my brother since they can't issue a replacement code and will have to reach out to the retailer where you got the gift card from. 

At this point, I got the same gift card back and when back up to the customer service desk and the customer service representative got on the phone to the shift manager and they stated that they can't do refunds on any gift cards, and I would I have to reach back out to the XXXX for further assistance on this matter. Also, the CSR gave me the XXXX number to talk to another customer service representative. 

I reached out to US Bank to put in a charge back since XXXX or XXXX  didn't provide assistance on resolving this matter. 

No one at the US Bank fraudulent department has requested any documentation or email me about this incident. 

I have put in two calls back request with US Bank about this issue because I received a letter that was mailed to me and stated that they have closed my case. 
I have reopened it on XX/XX/XXXX on a Wednesday at XXXX XXXX been told twice that someone has indeed reached out to me. However, that is a lie, because I have my phone next to me all day and I even work from home. 

It is clear to me that whoever has my case, is just marking the notes that they call me, but they have NOT. 

I have verified that my main cell phone number twice as well, but I am not getting anywhere with this.
Product: Checking or savings account

I have had a cash app account for over four years. For the last couple of years I've been buying some bitcoin. And one month ago I decided to transfer some of my bitcoin out of my cash app.

It asked me to verify my account by taking a picture of my drivers license next to my face which I did.

It said that it was gon na take one to two days to complete the verification. I waited about 10 days. I then reached out to support and they said they had my information and that it would take one to two days to complete the verification. I told him I had already waited 10 days. They assured me that it would be done.

I keep getting templated emails from different people that keep telling me they have my information and that it could take up to 72 hours to complete the verification and I have waited much longer than that. 

I have tried to problem-solve this myself by watching XXXX videos and searching on the Internet as to why there is a problem. I even suggested that we upload a new photograph in case the one that I originally uploaded was too blurry to read. I double checked and triple-checked the new photograph and uploaded it via their secure link. 


Every time I contact support they are basically saying the same thing and even though I'm telling them that it's been several weeks that I have been trying to get this accomplished They just come back with a templated email saying that it could take up to 72 hours one time they said it could take up to 10 days. 

This makes no logical sense because what they're telling me that amount of time has already passed and then some. I politely explained my situation and they keep sending me the same types of response and then sign off. I have asked to speak with a manager or a supervisor I have asked them to escalate the case so that we can get this resolved and I feel like I'm talking to a robot. No matter what I say I just get more templated emails. 

I have approximately {$8000.00} USD worth of XXXX in this app that I am unable to access. 

Once again thank you very much for helping me to resolve this problem.
Product: Credit card or prepaid card

In XXXX, I cancelled my XXXX services, at which time they ( XXXX ) indicated that I had to pay a termination fee of {$430.00}, which I disputed. I told them ( XXXX ) at that time that there were NOT authorized to charge my card for this. XXXX charged me anyway. Subsequently, I spoke with Discover and set up a dispute, at which time, I informed Discover that they were not authorized to post the XXXX charge and that I would deal with XXXX collections separately. I noticed on my current statement, that Discover went ahead and reposted the charge. This dispute is between XXXX and me and I will handle it outside of my credit card. The issue here is that I have informed both parties that they do NOT have my authorization to complete this charge and my wishes are being ignored. I want the {$430.00} removed from my credit card bill immediately as, as I have previously stated, XXXX can start collections for the money and I will handle that with an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company would not accept my United States Military ID so I could prove who I am. Yet, they have closed and placed the account on my credit report. How can I not be who I am with Military ID yet I am who I am with no creditable ID? Either they acknowledge I am who I am through my Military ID or this account is not mine because they have no ID to prove it is mine. Company : USAA  SAVINGS BANK  Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : Not more than 2 payments past due ( 2 ) Balance : {$4600.00}
Product: Prepaid card

My DirectExpress card was within my wallet when it was stolen. The thief managed to access my account and withdraw {$4800.00} and make miscellaneous purchases. I never wrote my PIN down or disclosed it to anyone. Local law enforcement suceeded in identifying the thief arrest him and prosecution is ongoing. Thief has FTA 'd for court and absconded. A no-bail warrant has issued. Restitution is highly unlikely as he is transient career criminal. Attached documents will reveal that I have complied explicitly with restitution procedures but Comerica has failed and refused to provide restitution to my account, respond to my correspondence, or timely follow pertinent rules. Presently, it has been more than two weeks since I requested copies of that which they have relied on in reaching their denial if my claim. Their reps blame the USPS for chronic delays. In the only reply they have provided, they assert the preposterous notion that the numerous thefts from my account were somehow " authorized ' transactions -- not criminal acts. XXXX XXXX of XXXX of what is designated " XXXX  XXXX '' make up the " Questionairre of Fraud '' form I submitted. XXXX XXXX XXXX are copies of supplemental documents that followed. Other attachments contain self explanatory records and correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to open a new account at XXXX  XXXX XXXX, but was unable to do so because my Experian credit report was frozen. I contacted Experian, and received a letter saying that my credit report was unfrozen. I just checked today, and their website also says my credit report was unfrozen. But when I went back to the bank today, they couldn't open my account, because their computer says my Experian credit report is frozen. 

I don't know whether the problem is with Experian or with XXXX  XXXX XXXX, but I am at my wit 's end. 

Please help me resolve this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX  2. XXXX XXXX 3. XXXX XXXXXXXX XXXX 4. XXXX XXXX XXXXXXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

In was in process of selling home so the initial ach did not go through when initiated. I have tried multiple times per their emails to pay online. However the online platform WILL NOT ALLOW PAYMENT. It has processed subsequent payments but precludes me from paying online via the website. I don't see how they can force you to sit on hold for an hour and a half to try and pay something that you are told in writing can be done online. I even sent a final email to XXXX XXXX telling her the platform will not allow payment and I have yet tpo receive a response. Rather they prefer to retaliate by reporting me as being late simply for not going through and overtly burdensome process to almost seemingly discourage payment in order to report a consumer late simply to penalize me since this is such a burdensome process getting things corrected with these criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND EQUIFAX ARE REFUSING TO REMOVE INFORMATION THAT IS NOT MINE THIS IS A PROBLEM AS I HAVE NEVER HAD STUDENT LOANS OR THESE OTHER ACCOUNTS LISTED CAUSE I HAD A SCHOLARSHIP IN SCHOOL THEN DRAFTED TO THE XXXX THESE ACCOUNTS NEED TO BE REMOVE ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been incorrect information submitted to the credit bureaus for my loan which has resulted in a detrimental XXXX point drop. 

Here is a time outline of actions on my loan account since XX/XX/2020 : XX/XX/2020 - Submitted Hardship Assistance Forms online - I have the have e-mail confirmation XX/XX/2020 - Received e-mail approving hardship request indicating the plan " allows you to skip next 2 monthly payments ( XXXX and XXXX XXXX XX/XX/2020 - Received e-mail that my second hardship assistance request was accepted ( XXXX and XXXX ) XX/XX/2020 - Received e-mail indicating that next payment due date is XX/XX/2020 XX/XX/2020 - payment withdrawn. 

Customers Bank has reported to the credit bureau that I am four months behind on payments when in fact, I had been allowed to skip those months under the COVID19 hardship program bank had in place. 

Furthermore, my checking account information has remained in my loan profile for payments to be automatically withdrawn on the due dates. I have never deleted my bank information for payment. If a payment was indeed due, Customer 's Bank should have and could have withdrawn automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to submit a dispute with Equifax via their website. The dispute page refuses to load. I have even called them for assistance. An account is showing up on my report that doesnt belong to me. I was an authorized user at one time. I do believe the account has been closed or the account number changed. Ive been trying to have this removed since 2021
Product: Credit reporting or other personal consumer reports

IT IS CUSTOMARY AND PRECEDENCE AS WELL AS CONSURMER REPORTING PRACTICE TO NOTATE WHEN AN ACCOUNT IS IN DISPUTE. THIS ACCOUNT WAS NOT NOTATED AS SUCH, THEREFORE MANDATING THE REMOVAL OF THE ACCOUNT.
Product: Checking or savings account

I was recently a victim of a phishing scam that, long story short, resulted in me depositing three checks without knowing that they were forged. 
Thursday, XX/XX/2023 I called my bank, TD Bank, after seeing that three checks that were deposited had the funds removed. The representative told me that the check had been forged, with the other checks being held for a similar reason. 
Friday, XX/XX/2023 I was unable to log into my Online Banking account. When I called the bank, I was told that I needed to enter my nearest branch, which for me was a 3-hour drive away. After making that drive, I was told that all of the checks were forged and my all of my accounts were being closed, with my relationship with TD Bank being " terminated ''. The person I talked to specifically mentioned that if that happened, it would be very difficult to open a bank account at another bank, due to the possibility of having " fraud '' on a background check. 
Saturday, XX/XX/2023 I called the Fraud Team of TD Bank to tell them what had happened, but they told me that the branch had the last say on whether or not my bank accounts can be reopened.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past three years I have been disputing serval accounts on my credit report. In the past month I have submitted serval disputes for two accounts which XXXX has failed to take into account of the supporting documentation. My last attempt was made today XXXX to have both accounts removed from my credit report. The credit bureau continues to violate my consumer rights by reporting incorrect information on my credit report. This credit bureau failed to properly investigate and report accurate information on my credit file. Also this debt collector has agreed to closed and requested for deletion of accounts to be removed from my credit report. Please see attachments on how the credit bureau allowed a company to violate my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX account was paid back in XXXX  and the company agreed to delete the account once paid, it has still been reporting negatively on my credit report. The account number XXXX. I have contacted XXXX XXXX directly and they are unable to locate an account in my name or using my social security number. I have disputed the account with all 3 credit bureaus with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep dissatisfaction with the re-investigation conducted by your agency regarding the multiple errors present on my consumer report. Despite my previous dispute and your subsequent reassurances of rectifying the inaccuracies, I regret to inform you that the report continues to contain several unresolved errors, which has had a detrimental impact on my creditworthiness and financial well-being. Firstly, I would like to bring to your attention the industry-standard method for reporting consumer credit information known as the Metro 2 format. The Metro 2 format was developed by the XXXX XXXX XXXX XXXX ( XXXX ) and is widely adopted by credit reporting agencies to ensure accuracy, consistency, and uniformity in reporting. However, based on my observations and the persistent errors on my consumer report, it is evident that your agency has failed to utilize the Metro 2 format properly. This raises concerns regarding the integrity and reliability of the information reported, further exacerbating the negative consequences on my creditworthiness and financial standing.
Product: Mortgage

In 2020 my mortgage was onsold to Statebridge. Due to XXXX, I was unable to travel to my home in the USA. I emailed Statebridge about the situation repeatedly. I also utilised their Customer Service number, but it was rarely answered, even after waiting on the line for more than an hour. Statebridge did not notify me, but blocked online payments. I have always had more than adequate funds to pay the mortgage, but was unable to make payments, despite the Statebridge platform saying that the payments were successful. It wasn't until many months later that I was informed they STOP allowing payments on line where a payment is late. This makes absolutely no sense, as consumers who can only pay online are locked out of paying their mortgage. I was then forced to wait hours every month to try to pay over the phone. I have dozens of emails to Statebridge requesting help and assistance. Their IT does not work- I get error messages which I have taken screen photos and requested assistance. No help at all. Once or twice a year, I spoke with someone who would assist with payment, but all my requests for emailed statements and for a person I can call - these were met with silence. They recently changed the customer service number to ( XXXX ) toll free number which is NOT AVAILABLE outside the USA. When I dial XXXX XXXX on her direct line, she never answers - I have documented this on many emails. There is never an opportunity to speak to anyone and no assistance. I have been charged a huge amount of late fees, directions as to payments are not followed, errors in the IT systems make the online platform an absolute joke. Worst company I've ever dealt with. They aren't trying to assist customers or provide customer service. I request my loan be on-sold to another company that has nothing to do with Statebridge. I want my late fees refunded. I want to be able to use the online system which appears to have been built so that it does not work.
Product: Credit reporting or other personal consumer reports

I notified Equifax that the account XXXX is reporting without the name of the creditor and they failed to remove this account or explain how this was verified. Furthermore, you failed to notate this account was in dispute within 30 days now this account in violation. Per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), you failed to provide me with the names and business addresses of each individual who verified the aforementioned item. XXXX and XXXX deleted this unverified account. Please see the attached credit report which shows that there is no creditor and no notation of a dispute and remove the account XXXX from my credit report.
Product: Debt collection

XXXX XXXX from XXXX contacted me via email on XX/XX/XXXX concerning an alleged debt from an account with LVNV Funding which was an account from XXXX XXXX Bank, all of which is not legitimate. 
The XXXX XXXX Bank was paid in full prior to the Consumer ( me ) closing the account in XX/XX/XXXX, after that I have no knowledge. 

I asked XXXX XXXX to validate the debt and instructed them there was to be no further contact with me until they had the ability to validate this alleged debt, however XXXX XXXX from XXXX continues to contact me frequently via email on the following dates. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX acknowledged receipt of the validation request letter on XX/XX/XXXX. 

Attached document is the validation request provided to XXXX on XX/XX/XXXX and the acknowledgement that they will not resume collection activity until I have been provided validation documents. 

I have not been provided with any validation documents.
Product: Credit reporting

the transion is tacking {$17.00} OUT OF MY CHECKING ACCOUNT FOR THE LAST TWO MONTHS AND IVE NOT GIVING THEY PERMISSON TO.SOME ONE HAS STOLE MY BANK ACCOUNT NO AND GIVE IT TO THEM I WONT THEM TO STOP TACKING THE MONEY OUT MY ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

The lease was turned in on XX/XX/2020 to XXXX XXXX XXXX, and the dealership provided me with a dated document stating that there were 2 keys turned in with the vehicle. 

I called in on XX/XX/XXXX and was told where to send the documentation showing that there were both keys with the vehicle and that they would provide a response within 24-48 hours. I have yet to receive a response and they did confirm that the documentation was received for both keys. 

Now, I have a balance due for something that is not a valid charge.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as trascation agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection account and credit inquiry listed on my on my XXXX XXXX and Experian credit report is fraudulent, unauthorized and not my account or credit inquiry : XXXX XXXX XXXX, XX/XX/2018 and XXXX, XX/XX/2018.