23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Please help me for the company is not helping me. I have been sending the requested documents to Money Network for my claim and they haven't been able to give me an updated for over XXXX days. My card was stolen either from work or the hospital while I was admitted. All the amounts and the dates are listed in the attached letter to the comp at that I emailed and faxed over with no issues. My claim was denied and I immediately appealed this decision. Since XXXX I have called with follow up on all these dates without this company being able to give me any updates. I have sent everything that they requested and they still don't have any updates for me. Someone stole all my money and they are letting them get away with it. I have filed a police report with hopes that the criminal would get discovered. I haven't had any updates from this company and Everytime I call to ask of they received the information that I faxed several times and emailed several they can't even verify if they received the request because Everytime I call for an update they tell me that they don't know if they received the information from me but this is the same fax number and email address that I sent my initial letter to start my claim they are able to confirm that they received that request but my appeal with my police report attached and my hospital paperwork showing the dates i was in the hospital. I have called to confirm if they received the documents over 5 times. I have called XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX and XXXX all just for them to say they have no updates and I can not speak to that department to confirm and they said they don't have a way to speak to that department either that they can only send emails to them asking for updates so I requested that they send an email to the appeals department for an update. This company doesn't care about their customers. I was sick in the hospital and all my money was stolen and I came home to {$3.00} in my account. I couldn't even buy my medicine. Please help me I have tried for over XXXX  months to get this company to give me back my money and I have sent them everything they have asked. I havent heard anything from anyone in this company to this day
Product: Checking or savings account

My direct deposit was supposed to be to be in my Capital One checking account on Wednesday at the earliest and Friday at the latest. Capital One claims to be experiencing an outage and thousands of customers are missing their direct deposit paychecks including me. Capital One has provided next to no information and has made up a new resolution date with every call. They are now saying check deposits for today wont be available until next week. My heating bill was due today and now it is late. My car insurance will be late in a couple days. 

This is absolutely unacceptable. The supposed outage has been going on for 3 days and Capital One has not even had the decency to credit our accounts. Yet they are still accepting payments to themselves. 

Where is my paycheck?
Product: Debt collection

XXXX XXXX ( DOB XX/XX/XXXX ). Today on XX/XX/XXXX I had called Experian to follow-up on the process of my disputes. I originally contacted Experian and wrote them a letter via mail asking them to dispute three accounts on XX/XX/XXXX. They sent me a letter back on XX/XX/XXXX asking me to confirm my identity. The following day I sent them back a copy of my social card, a XXXX XXXX XXXX bill and a copy of my id in which they received it on XX/XX/XXXX. It is now XX/XX/XXXX and I have not yet heard back from Experian. As the Federal Credit Reporting law states- ( FCRA , 15 USC section 168 li : failure to investigate these accounts within a period of thirty days will result in a non verification which requires that the above accounts be  immediately removed from my credit file. The lady that I spoke with was giving me the run around about an XXXX XXXX XXXX XXXX WA XXXX, which has nothing to do with the law. This address was reported to the Credit Bureau because they had to run my credit in order for me to stay here for the last six months. I have stated in my letter and on the envelope after XX/XX/XXXX I will no longer be residing there because my lease is up and due to this issue I will be homeless so all my mail is being forwarded to the post office. I have yet to receive anything from Experian through the post office as of today and prior to today. Then I had asked to speak to the supervisor and she had hung up on me. Therefore, I am making a complainant and hoping that you can help me resolve this issue. Attached is my letter of the items that I want to be removed from my credit report immediately. 

Thank you, XXXX XXXX
Product: Debt collection

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the XXXX VS XXXX XXXX Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX of core capital lending promised to reimburse the cost of my appraisal {$860.00} the money was never reimbursed! Even Only XXXX of the XXXX on my closing docs was wired to me. I sent in a complaint therefore XXXX XXXX and XXXX XXXX got angry and will not reimburse my money! fraud and lies. SO I OVERPAID ( XXXX FOR AN APPRAISAL ON A XXXX SQ FOOT HOUSE AND THEY WONT EVEN REIMBURSE THE COST AS THEY PROMISED! I HAVE RECEIPTS!!!
Product: Mortgage

PHH mortgage company was sent a check by my insurance company to endorse for repairs from water damage. The mortgage company has after repeated calls, and sent documents they requested has not processed a check to me after one month. 
The company is listed in XXXX Ohio, but the phone numbers they publish are all routed to the XXXX and no numbers will be given out to make stateside contact. I have been told on 6 different occasions that the check had been processed, but they will not confirm funds have been sent. 
They have received documentation from me that I have paid all contractors for the work done, and am trying to get the reimbursement as promised, on 6 separated occasions.
Product: Mortgage

I have a home loan with Nationstar Mortgage and they are not honoring an agreement I entered into with them on XX/XX/XXXX, which I have maintained, and they are threatening me with foreclosure. Per them, my mortgage had not been paid since XX/XX/XXXX to XX/XX/XXXX, which is not true and I have sent them copies of all of my cancelled checks, which they they processed. Each time I have contacted them via phone, I have been given the run around. First they claimed they never received the payments and then they sent me statement showing the checks. I have until XX/XX/XXXX to pay them the outstanding balance of {$8200.00}, otherwise, per the letter they sent me, they will foreclose on my home. True I was behind in XX/XX/XXXX, approx, {$28000.00}, however, prior to my bankrupcty being approved, they agreed to allow me 60 months to repay my arrears over a 60 month period at no interest and penalties in the amount of {$540.00}. per month in addition to my mortgage. a few months after I entered into this agreement, I found out from the county that my property taxes were not being paid from my impound account so I called them and they informed me that they were not paying them because I was behind in my mortgage. Subsequently, I wrote them and informed them that I had an agreement with them, and was paying my arrears over time and my mortgage payments included the impound fees, but they claimed no agreement existed and never responded to my written correspondence, but did pay the property taxes. Now they are trying to say I did not pay my mortgage since XX/XX/XXXX-XX/XX/XXXX, when they know that I in fact did, and sent them evidence supporting disputing their claim, all I get from them is untruths and the run around.
Product: Vehicle loan or lease

My car was repossessed in XXXX due to me falling behind in payments. I fell behind in payments due to my being XXXX and losing my job. I have XXXX bulging discs and a herniated disc. I have sciatic nerve damage and numbness in my left foot and legs. I have other XXXX as well. XXXX XXXX XXXX told me that I would not be charged a fee for retrieving my personal items from the vehicle. XXXX XXXX XXXX is the lender and they hired a vendor. The vendor 's name is XXXX XXXX XXXX XXXX XXXX XXXX hired XXXX Kentucky XXXX XXXX XXXX to repossess my vehicle. I contacted XXXX Kentucky XXXX XXXX XXXX to retrieve my XXXX equipment and other personal items from the vehicle. They told me I must pay XXXX dollars to receive my personal property from the vehicle. However, I notified them I was XXXX and did not have the money to pay for ( MY ) personal items. They then got mad and canceled the appointment. My XXXX has become aggravated due to their intentional negligence and trying to take advantage of me. I demand these companies to be held accountable. 

Also, they sold my vehicle for XXXX dollars on XX/XX/XXXX. XXXX XXXX XXXX informed me I still owed XXXX dollars. However, my credit report still shows I owe XXXX XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal request to remove unauthorized Inquiries from my credit report. I've listed the unauthorized inquiries below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. 

If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were paid off/forgiven in XX/XX/2023 with XXXX. I received a letter stated that I have a XXXX  balance and no longer owe money to XXXX or Dept Education.
Product: Checking or savings account

I had my account opened. I had gotten a settlement and several different deposits there was two or three main big with. Withdrawals I had my mom called and I was locked up in jail and when I got out they claim that my account has been closed and all the money has been used. Theres no way because I was in jail. Obviously Ive been fighting this for a year and a half now Im sick of it. I had another deposit that says that it went through. Theyre telling me it didnt and find out the bank is closed or went underneath some other name. they claim no records but I got my emails proof and my account had been transferred an now that account is not open
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 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$41000.00} ; XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} ; DEPT OF EDXXXX XXXXBalance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} ; DEPT OF EDXXXX XXXX Balance XXXX {$0.00} ; DEPT OFEDXXXX XXXX Balance : {$0.00} ; DEPT OFEDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX Balance : {$0.00} ; DPT EDXXXX XXXXBalance : {$0.00} ; DPT ED/XXXX  XXXX Balance : {$0.00} ; DPT EDXXXX Balance : {$0.00} ; DPT EDXXXX XXXXBalance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX  Balance : {$0.00} ; DPT EDXXXX XXXXBalance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

Unable to log in as 2FA code was lost. Filed initial ticket on XXXX XXXX 2017. Case ID # XXXX. 

Issue still not resolved. Keep on receiving the same automated responses and instructions, despite me continually telling them that they do n't apply in my case. 

4 days sometimes goes by with no communication. Unable to access my account and funds.
Product: Checking or savings account

I placed an order on XXXX for {$14.00} and canceled it several minutes later on XX/XX/23. I received an email from XXXX saying the order was canceled and money was not taken out of my acct, however, there is a " pending '' transaction on my cashapp acct. I called XXXX, XXXX says that the bank that issued the card has an " authorization/hold '' on the {$14.00}. I called cashapp and cashapp claims that XXXX has the " hold '' on the {$14.00} - yet both are telling me that the hold may take 7-14 days to be released. 

I have contacted cashapp AND XXXX on several occasions in the last 2 days asking them to release the authorization/hold on my money. I have asked cashapp to speak with a manager or have someone call XXXX XXXX  and ask them to release the authorization/hold and have yet to be transferred to either. The people at cashapp that I spoke with were very nonchalant, uncaring and talked in a monotone voice. 

I'm still waiting for my money and still waiting for a response from cashapp. If they were able to put a hold on the money instantly, why can't it be RELEASED instantly if an order is canceled. I need my money. I'm on a fixed income and having someone hold your money hostage while they try to accumulate some interest is PURE GREED on their part. I want my money before this week ends on XX/XX/23.
Product: Credit card

My Apple Card is showing that account restricted for which I can not make any purchase. When I made a call to them they just said under review and no more info can be provided
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds to cover the transactions when authorized.
Product: Credit card

I made a reservation at XXXX XXXX XXXX ( confirmation # XXXX ) redeeming a " Free Night Award '' obtained through the Chase XXXX XXXX XXXX credit card. Reservation confirmation showed the " XXXX XXXX '' fee rate and my XXXX profile correctly showed the award redemption. On XX/XX/XXXX, at check-in, the hotel clerk confirmed the night was paid, but on XX/XX/XXXX, at check-out, they were asking for a payment of {$230.00} for the night. 

I tried to clarify and showed the " free night '' booking, and called the XXXX Customer Service in the US that agreed with me and they discussed with the hotel, but unfortunately the hotel clerk didn't change his position and insisted their systems showed the night wasn't free and needed to be paid. After 30 minutes discussing about it, I was risking losing a flight and was delaying the group of people I traveled with, so I decided to pay, trusting I would be able to clarify and solve the situation with Chase Bank ( issuer of the credit card with which I obtained the Free Night, same card that I used to pay the {$230.00} ) or XXXX XXXX. 

Back at home, I called Chase and they asked me to resolve this matter with XXXX. XXXX customer service agreed with me and opened the case XXXX, but they said that unfortunately they do not have any way to force the hotel to reimburse the night. I disputed the transaction with Chase but even after providing all the documentation, and disputing their first resolution, they still validated the charge with no explanation of why. Night award used shows as " redeemed ''. 

I am very disappointed with Chase that the credit card award program they promote, and for which I pay an annual fee, is subject to the fulfillment to XXXX hotels, and theres nothing they do if hotels do not comply with the program terms. Chase unfulfilled the terms of its XXXXXXXX XXXX XXXXXXXX credit card award program they advertise in the US.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX via XXXX, XXXX XXXX XXXX XXXX XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

In 2021 XXXX XXXX placed a inaccurate debt of my credit account. They are saying I owe {$100.00}. I called Experian & XXXX XXXX to get this removed from my account & they have failed to do so. This account should have never been placed on my credit report. I had no knowledge of this account to begin with.
Product: Debt collection

This will be my third time placing a dispute with Experian in regards to the accounts that Experian is falsely reporting to my credit file. I have a filed a report with the FTC, and sent this information into Experian I have since gotten no response from Experian about the reason why they have not removed these false accounts from my credit file. XXXX suffered a large security breach which caused great damage to my life as well as my overall credit file. My information was used to open several accounts that are still affecting me in a major way. I am distressed that these accounts have been included to my credit file, and Experian has failed to maintain reasonable procedures to make sure my credit file was accurate. I am now moving forward to sue Experian in small claims court in 8 business days if these accounts are not removed from my credit file as soon as possible. 

The FCRA requires Experian to verify the validity of each account within 30 business days, I have not heard from Experian and they have not verified this account to me by sending me verified information that proves the following accounts should be listed on my credit file. The following accounts should be removed from my credit file as soon as possible. ( 1 ) XXXX XXXX {$450.00} and ( 2 ) XXXX XXXX XXXX {$1700.00}
Product: Credit card

I have a Chase XXXX account I just paid in full after receiving a cash award settlement for a MV accident in which I was the victim. In good faith I reached out to Chase XXXX numerous times to request assistance from predatory interest rates, only to be rebuffed. 
I was out on XXXX for a few months while I suffered through XXXX hip surgeries and XXXX epidural injections in my neck. While my XXXX card offered a cost-reduction lower interest rate while XXXX, XXXX did nothing of the sort after REPEATED inquiries for assistance. 
I paid them in full XXXXXXXX XXXX but am having a hard time with the idea that they wouldn't allow a small grace period for a victim of a vehicular assault. I have had an active account with them for XXXX  years only to be victimized further. 
Any assistance would be greatly appreciated. 
SincerelyXXXX XXXX
Product: Credit reporting or other personal consumer reports

Fifth Third Bank erroneously allowed a forced charge on a XXXX bill. XXXX erred by not converting my rental charge to monthly, instead opting to daily charges, which resulted in an overcharge/ force charge to my Fifth Third credit card. Fifth Third erroneously reported this balance owed to XXXX. Fifth Third also attempted to debit nearly XXXX XXXX dollars from my checking account, which was blocked and reversed by XXXX XXXX. Fifth Third also failed to apply for payments from a secondary third credit card I had paid off to the Fifth Third credit card account in question ending in XXXX. Fifth Third instead sent multiple refund checks to me for the overpayment of the credit card I had paid off. Fifth Third utilized their oversees collection agency to make numerous harassing calls to me despite me making payments to my credit card account in question, failed to provide me with statements for at least the last year, provided invoices and balances due for dates that were separate dates demanded by their emails ( The Fifth Third statements were demanding that payments be forwarded on the XXXX day of each month while Fifth Third emails demanded payments to be made on the XXXX of each month, and Fifth Third failed to thoroughly and professionally investigate my complaints regarding this disparity.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2400.00} ; XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year>.