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

To date, the bank charged me over {$1500.00} in overdrafts fees and only refunded some if it. 
=================================== Complaint Against : TD Bank , N.A . Corporate Head Office XXXXXXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX ==================== Dear sir/madam, I am writing to make a complaint against the above mentioned bank regarding an excessive numbers of fees applied to the following two accounts : ============================ Checking Account # XXXX ============================ Money Market Account # XXXX ============================ I have spent reasonable efforts to have the bank rebate the numerous and excessive fees applied to the above two mentioned accounts. 

I would like to have all fees rebated for financial hardship. I can't afford to lose such amount. 


Thank you for your kind assistance and look forward to hearing from you. 

Respectfully, XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019, I received notice of a collection filed against me by National Credit Systems for unpaid rent at XXXX XXXX apartments. I immediately started a dispute with XXXX the same day. 

On XX/XX/XXXX, I contacted National Credit Systems and spoke to XXXX XXXX the agent on the account. I was informed that a dispute packet would be sent via mail to my address. While waiting for the packet, I filed both a FTC report and a police report in preparation for completing the packet. 

After nearly two weeks, no packet arrived, so I went ahead and sent in a copy of my FTC report, police report, and a copy of my drivers license to both XXXX and National Credit Systems with a letter informing both parties that I had never lived outside of Texas and wished to dispute the collection. 

On XX/XX/XXXX, I received notice from XXXX that the dispute was resolved and was informed that National Credit Systems denied my dispute and claimed the information was accurate. 

On XX/XX/XXXX, I called XXXX XXXX at National Credit Systems again to attempt to figure out why the dispute was denied and was told that they would not process my documents because I did not complete the packet. When I told her the packet had not arrived, she told me that I could find it online at identitytheft.gov. When I could not locate the packet on the website, I called the FTC help desk and was told that the packet did not exist, that the only thing I could do on the website was file a FTC report, and that I should call National Credit Systems back and ask to speak to a supervisor. 

When I called National Credit Systems back to talk to XXXX XXXX again, I was told that she had already made special accommodations for me by giving me the website information, that I just couldnt find the packet ( despite my telling her that the FTC help desk said it didnt exist ), and was finally forwarded to her supervisor where I left my name and number after my call was not picked up. 

As of today, XX/XX/XXXX, my call still has not been returned and this collection is still on my credit report despite all this.
Product: Mortgage

This is my third complaint against Ditech Financial LLC regarding Account No. XXXX. On or about XXXX XXXX, XXXX Ditech, for the first time since XXXX XXXX, acknowledgement their own Reaffirmation Agreement, the change in contract terms, including payment and interest rate. However, the letter ( attached ) indicated a past due balance of {$2500.00}, agreeing to discontinue collections, and place the past due amount at the end of the note. We have since sent another letter to all credit bureaus and Ditech providing evidence of payments in excess of those amounts due for years XXXX through XXXX. 
On XXXX XXXX XXXX, I spoke with XXXX XXXX, Director of Customer Service, who promised to get to the bottom of our problem On XXXX XXXX, XXXX a Ditech representative contacted us and said the account was corrected, no longer past due, and the credit bureaus had been corrected as of XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, XXXX, XXXX, XXXX we received collection calls from Ditech for amounts past due. 
On XXXX XXXX, XXXX we received a certified letter stating we were in default, and had 20 days to pay in excess of {$2500.00} or be in default of our note. 
Clearly, Ditech has no accounting department, or very inept personnel who can not maintain accurate records. I have personally maintained a spreadsheet of every payment since the date of Reaffirmation in XXXX, XXXX, which is attached. Unless the CFPB can assist with this ridiculous creditor who can not obviously maintain accurate records, I am not faced with pursuing legal alternatives since we are obviously out of options. We appreciate any assistance you can provide since we are obviously on daily collection calls again even though we have multiple letters to GreenTree / Ditech to cease and desist all calls to our cell phones and employment. The attached spreadsheet identifies the collection efforts in the last few weeks. Thanks you, XXXX XXXX
Product: Credit card or prepaid card

Recently I've made XXXX purchases at XXXX which were charged to a store card and managed by Comenity Bank. The initial purchase was on XX/XX/XXXX with a 1 year promotion ( no interest ). I made payments and there was no problem with payments reducing my balance due. On XX/XX/XXXX, I made a 2nd purchase, again on a 1 year promotion ( no interest ). Although I continued to exceed my monthly payment due each month, ALL of the payment started to be applied newest/XXXX  balance with nothing doing towards the oldest debt. This was alarming because it will result in deferred interest charges coming due if not paid in full by end of XXXX. 

I called Comenity customer service a minimum of 4 times. Each time I was told there was recently a system upgrade, that tickets would be entered to remedy issues and that payments that exceeded the plan minimum on each promotion would go to the oldest balance. This did not/has not happened. Each month when the ticketing process did not remedy, I called back and was told that payment were going to be manually moved to oldest balance. After all of these months the oldest balance has not gone down ( as a matter of fact if has gone up ) and now I have an " URGENT '' message on my bill advising if I don't pay what is almost the original purchase amount, I will be charged interest. I can see on my account where " promotional plan transfers '' are taking place but they seem to be applying to the new account. 

I am very upset with the time it has taken for me to try to take care of this and worry how many other customers have been adversely impacted by XXXXComenity XXXX Once this is resolved and payments applied it is my intention to pay the entire remaining for the oldest balance as soon as possible to avoid payment the deferred interest.
Product: Debt collection

This complaint is in response to a RESURGENT XXXX  RECEIVABLES regarding violations that have been spotted. There are inaccuracies in my consumer report regarding this debt and there are violations that exists committed by this company that was brought forth to be addressed regarding their collection  attempts. This complaint is no longer about the alleged debt, but the violations themselves regarding the collection of the alleged debt. The debt collector intentionally neglected to acknowledge the initial complaint concerning FDCPA and FCRA violations. Debt collectors tend to ignore yet alone admit that they are in the wrong when they violate consumers because they know that they would be held liable to that consumer. This collection agency specifically continues to collect despite the documents I provided as proof of those violations. I refuse to pay this debt and I demand that they XXXX  and XXXX all collection activity because they are violating my federally protected rights. It is abusive and prohibited of collection agencies to ignore FDCPA and FCRA laws while attempting to collect from said consumer. This company is reporting incomplete information to the CRAs and it is damaging my character. 15 USC 1692d ( 1 ). Please stop now or I will seek for legal remedy regarding the behavioral aspects of RESURGENT XXXX  RECEIVABLES.
Product: Checking or savings account

On Tuesday XX/XX/XXXX of 2022, my Chime bank account got hacked and the phone number got changed at XXXX XXXX My money from my savings account {$400.00} was transferred to my checking and sent to a XXXX XXXX whom I do not know or did I allow this transaction. When I woke up immediately called Chime told them what happened they told me to email the support team for the investigation team to look into and I should get my refund pretty much. I explained in my email what happened and what they told me on the phone so they sent an email back saying they will review my account. I also filed a dispute on my Chime account on Tuesday XX/XX/2022 as well, all I got on Tuesday was emails stating they are investigating and I should hear back soon. On Wednesday XX/XX/2022 at XXXX XXXX  is when they sent me an email stating no error occurred therefore no funds will be credited to my account. So I then call chime customer service very confused as to why this happened because I had an unauthorized transaction and I should get my funds. Going back and forth with them talking to a supervisor anyone I can, they said I can file a rebuttal to reopen the claim so we proceed with this on Thursday XX/XX/2022 at XXXX XXXX. I sent a screenshot of the text my phone got saying my phone number for Chime was changed and explained my situation again. I get an email on XX/XX/2022 at XXXX XXXX  stating they reviewed my documents but still finding no error occurred and considered this matter closed. At this point Im very upset, I email asking what can I send to prove my account was hacked and I call chime customer service again and speak to anyone I can to help they all say it isnt up to them its only up to the investigation team and I can only speak to them through an email. As of Saturday XX/XX/2022 I talked on the phone with someone and said I had enough evidence to receive my refund and he then reopened my claim. I sent an email again to support chime services with screenshots and explaining to them I spoke to someone over the phone saying I had enough evidence. On Sunday XX/XX/2022 I got the email once again saying they do not find that I provided any additional information to consider related to my claim and said no error occurred claim is closed. I called again on Monday XX/XX/2022 asking if there is anything else I can do because at this point I am furious this is my hard earned money and nothing Im doing is working to get my money back. They say there is nothing more we can do and they apologize, I emailed again asking what I can do to show any more proof because that is my money and I should get it back. I emailed today asking for documentation showing how they concluded that no error occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XXXX XXXX  XXXX County, VA diverted $ XXXX {$20000.00} of real estate taxes paid by consumer XXXX XXXX XXXX , property owner of XXXX XXXX XXXX XXXX , VA XXXX to other individuals and specifically identified individuals that was given the same account number and address as XXXX XXXX XXXX in public tax records. These funds were paid to Wells Fargo Bank by XXXX XXXX XXXX as part of her monthly mortgage payment and Wells Fargo sent the funds to XXXX XXXX  XXXX County, VA treasurer or Commissioner of Revenue annually. XXXX XXXX XXXX property owner paid county taxes to XXXX XXXX XXXX County, VA through officialpayments.com and learned that XXXX XXXX  XXXX County, VA banking institution is XXXX & XXXX XXXX. Currently, XXXX XXXX XXXX County, VA has erased the evidence from their current system. However, attached documents will show the use of the same account number and address of XXXX XXXX XXXX to divert funds she paid towards real estate taxes and evidence of a mortgage on an existing property in XXXX  XXXX  XXXX County, VA. Both are a violation of the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

We applied for a mortgage refinance on XX/XX/XXXX in the amount of {$350000.00}. The banker emailed on XX/XX/XXXX and said the loan was approved. The closing process was set for a TBD date in XXXX. On XX/XX/XXXX, a mortgage sales rep emails us and states they are reviewing the file for final approval submission and the lender will need us to continue to provide mortgage statements and pay-stubs until XXXX closing date. On XX/XX/XXXX, we signed papers with notary for closing and settled closing costs. Less XXXX minutes after closing, the notary returns to our residence and states that he has been informed not to file the documents due to an error on the lender or title side. 

The lender never provided a clear explanation regarding the error and stated closing would be rescheduled. I second application was not submitted but the approval process started all over as personal credit bureau had expired and the lender starting recollecting current mortgage statements and pay-stub information. On XX/XX/XXXX, Lender stated that file would be resubmitted to underwriting for an updated approval and their legal team would need to redraw documents. Lender stated a closing date before XX/XX/XXXX. 

On XX/XX/XXXX, lender emailed and informed they were waiting on recert of value and should be able to close within a week or two. 

0n XX/XX/XXXX, we emailed lender for update since we had not received any updated communication from the lender. Lender replied on XX/XX/XXXX and requested updated pay-stubs and bank statements and stated closing was expected the first week of XX/XX/XXXX. The requested information was provided on XX/XX/XXXX. 

The lender sent final closing disclosure and stated closing would be on XX/XX/XXXX. We did not receive any emails, phone calls or texts from the lender or title company regarding closing appointment on XX/XX/XXXX. The title company contacted us about closing on XX/XX/XXXX. Due to continued failure of communication and mortgage services, we considered the lender to be in default and emailed the lender on XX/XX/XXXX regarding failure to close. Lender did not address the issues and attempted to move forward with closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax still have not deleted my public report that is fraud and not mine. As you can see, XXXX  deleted this as I provided them information that this is NOT mine. 
XXXX  and Equifax continue to say its " verified '' so I sent a MOV letter but they have provided no documentation besides that it was verified. 

XXXX and Equifax need to delete this as this is NOT mine and XXXX  does not have this on my credit report as its not mine.
Product: Debt collection

In XX/XX/2020 my son, XXXX XXXX, was living in an apartment at XXXX XXXX apartments in XXXX Florida. He had a lease along with XXXXwo other college students for the unit and each was responsible for their own portion. During the pandemic his two roommates parents lost their employment and were unable to make their share of the rent payments. The landlord was not willing to accept our 1/3 of the rent as we had been paying and instead insisted that the whole rent be paid. That put me in a position where I could not pay the rent in its entirety. I made offers to pay my son 's third of what was remaining on the rent at that time and was told that I could not. Fast forward approximately one year and I started getting collections calls from National credit systems located in Georgia. The total balance owed for the debt they are attempting to collect in {$7700.00}. My argument is that I'm only responsible for 1/3 of that debt as there were two other individuals on the lease that are each required to pay 1/3 of that debt until the total amount is paid. I have sent a registered return receipt letter to national credit systems offering to pay my 1/3 of the debt in order to remove this collection notice from my credit report. Prior to this incident my credit was at roughly XXXX as a XXXX XXXX  and plummeted down into the XXXX hundreds as a result. I have always stood steadfast that I would pay my sons and my obligation of XXXX of the debt which would be roughly {$2600.00}. They will not accept that and tell me I have to pay the full thing and go after the other two tenants myself. This sounds ridiculous and as a result I am filing this complaint.
Product: Credit card

I was mistakenly {$20.00} short each month on 24 payment XXXX procedure. When 24 months were up, XX/XX/year>, next day they charged interest on the whole {$4800.00}. I sent in {$690.00} to cover shortage but still want me to pay {$2300.00} interest charges. I called # on back of card and all said nothing they could do and would not transfer me to a superior. Wrote a complaint to company and received same answer. Im willing to pay 29 % APR on {$480.00} for 2 years and/or late fee. I also went paperless.
Product: Debt collection

I have contact IC Systems and the credit bureau to share that this debt in the amount of {$3300.00} is not mine. This is my spouses debt. He received XXXX XXXX from XXXX XXXX and signed to pay for the dental work and is legally responsible for the debt. XXXX just recently followed up on this dispute and closed the case shared that it is valid when it is not valid.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for falling to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without proving any evidence of a though investigation. this practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as it is highlighted in the CFPB 'S recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. i request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
( These are the accounts that inaccurate ) XXXX  XXXX  account # XXXX XXXX XXXX XXXX  XXXX  XXXX  # XXXX XXXX  XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple of disputes no information provided by the company ( XXXX XXXX ) is matching any of 3 Credit Bureaus .Enclosed is a reply from XXXX . 
I have only received a reply from XXXX that they verified information and its accurate and complete!!!??? Accurate and complete??? As per enclosed Screen Shot last time they verified this account XX/XX/XXXX.It means they never did .XXXX sent me XX/XX/XXXX sent me a post card stating that they can't find me in a system with a bogus explanation, which is basically computer generated " go away, do not bother us no more '' message .Transunion did not even bother to reply ever .Please review all attached documents and Certified Mail Receipts. 
Bellow is my brake down of how the account is reported by the furnisher and all 3 Credit Bureaus : Date account opened : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TR XX/XX/XXXX # of Month of terms : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Balance : XXXX {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX Date of Last Activity : 4 different dates, even years!!!!!!!! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TR XX/XX/XXXX Which raising a huge question about when this account should come off the report!!! 
Please examen their own ledger. 

Date of Last Payment : Different Dates and even years!!!! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TR XX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. 

Last time reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TR XX/XX/XXXX It means XXXX have never conducted investigation and have never responded to Transunion and XXXX .Tansunion and XXXX have never initiated investigation either. 
Now its even more understandable why all dates and dollars mismatch. 
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that XXXX Bank refers to!!!!! How do I even know who this account number belongs to??????? 
To establish the credit file the furnisher must submit the initial contract to all 3 Credit Bureaus, than how this account number belongs to me without my signature????
Product: Consumer Loan

My Loan charged off in early XXXX, after i turned the vehicle into XXXX. They auctioned off the vehicle and sent me a final charge off amount of {$2600.00} in early XXXX. I received a payment settlement request in XXXX of XXXX for {$1500.00}. I subsequently received another payment request in XXXX XXXX for {$1800.00}. As of today, they are reporting that i owe {$7700.00} as the interest is still being charged on a loan they have been " charged off ''. They are legally suppose to send me monthly statements if they choose to keep adding interest to my account, as of today, i have not received XXXX statement in 3 years. They are doing everything possible to wreck my credit by inflating the amount owed to well over 300 % of what the original loan was to show my credit utilization is too high. They already have my car, now they want to ruin my credit. They are predatory an overly punitive with high interest after the charge off.
Product: Debt collection

Midland filed a civil complaint in court. Per arbitration agreement in the credit card agreement, I am entitled to private contractual arbitration. I elected arbitration timely : I sent a letter electing arbitration to the attorney ; I also filed a motion to stay pending arbitration. XXXX XXXX XXXX ( XXXX ) is the former specified in the arbitration agreement. I then filed with XXXX a demand for arbitration. However, Midland refuse to arbitrate by no complying with XXXX 's request to adhere to the policy regarding consumer claims. In all, my complaint is that Midland is suing me ( consumer ) for contracts with arbitration terms but refuse to arbitrate.
Product: Credit card

I applied for TD Bank XXXX card on XXXX/XXXX/14. They had an offer ending XXXX/XXXX/14 stating that I should receive {$100.00} in cash back rewards after spending {$500.00} or more within first XXXX days. I have spent more than {$500.00} within that timeframe, but have never received this bonus. I have already filed a claim to CFPB and TD Bank replied that XXXX points were credit on my XXXX 2014 statement. But that response was incorrect because there is no XXXX points credit on my XXXX 2014 statement. My XXXX 2014 statement only includes 5 % cash back from spending categories XXXX purchases at grocery stores and gas stations XXXX.