23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

TD Bank only has available branches in certain states. I was moving out of state for a job, went to the branch to close my account, but was persuaded to keep my account open based on their mobile deposit feature that would allow me to deposit my check and be available next business day. Now, I am several hours away from the nearest TD Bank branch, and they are holding my check for 4 days preventing deposit. The Mobile App where you deposit the check states that if deposited before XXXX it will be available same day, if deposited after XXXX it will be AVAILABLE next business day. The branch I was at is open 7 days a week and advised me that they consider non holiday weekends as business days. I gave them the flexibility that perhaps that was that specific branch, and the money would be available on Monday. It is now monday and they are telling me that that is wrong, and the money is not available, despite being told by their branch manager, and their mobile app that they money should be available. The previous mobile deposit I made was available to me next day, but only half of it, the other half was mysteriously put on hold, in which case the representative advised me he " did n't know why, but it should be available either tomorrow or the day after. '' It was eventually available to me, but they have yet to produce a reason for holding over XXXX dollars of my money in contradiction to their own written policy. I was also advised that the branch can push through the deposit and make it available to me today, but customer service can not -- again without explanation. I was told my only option was to drive several hours to the nearest branch and ask them to push through the deposit to make funding available to me.
Product: Payday loan, title loan, personal loan, or advance loan

Dear BMG Money, I am writing to address an ongoing issue with my account. For the past year, money has been deducted from my account each month, but my loan balance has not been adjusted accordingly. Additionally, my credit report has not shown any improvement, despite these regular deductions. 

These deductions are being made directly from my account before my paycheck is deposited through my employer 's direct deposit system. The bank account number you provided to me for these transactions is XXXX XXXX XXXX XXXX and my job paystubs I will provide when your company contact me back, i have contacted your company multiple times regarding this issue, but I have yet to receive a satisfactory response or resolution. 

Upon reviewing your company 's online reviews, I have found several concerning comments that suggest similar issues, leading me to believe there may be a pattern of mismanagement or mishandling of funds. This situation is unacceptable, and I respectfully request a thorough review of my account to explain why the deductions are not properly reflected in my loan balance and credit report. 

If no clear explanation or proof can be provided, I kindly ask that this loan account be removed from all credit bureaus, as it is not accurately representing my financial situation. 

Thank you for your immediate attention to this matter. I look forward to a prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION and XXXX have violated my rights ( 1 ) 15 U.S.C 1681 section 602A states I have a right to privacy. ( 2 ) 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. ( 3 ) 15 U.S.C 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. ( 4 ) 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 know or have reasonable cause to believe that the information is inaccurate. I also have every open and close accounts number on paper if needed.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I submitted a formal dispute to Equifax on XX/XX/year>, regarding multiple unauthorized inquiries on my credit report resulting from identity theft. These inquiries negatively impact my creditworthiness and were made without my consent. In my initial dispute, I requested a thorough investigation into these inquiries, along with copies of all supporting documentation used to validate their legitimacy, including applications, identification, and verification methods. I also requested the immediate removal of these inquiries if they could not be verified and a written confirmation of the investigation 's outcome, including any corrections made to my credit report. 

Despite providing clear details in my dispute and following up with additional clarification letters, Equifax failed to address my concerns appropriately. Instead of focusing on the specific inquiries I disputed, Equifax either mismanaged the investigation or addressed unrelated accounts, resulting in unnecessary delays. After I pointed out these issues in follow-up letters, Equifax dismissed my dispute as " irrelevant '' without conducting a reasonable investigation as required under FCRA Section 611 ( 15 U.S.C. 1681i ). This dismissal demonstrates Equifaxs negligence and disregard for its legal obligations under the FCRA. 

In addition to failing to investigate the disputed inquiries, Equifax did not provide any of the requested documentation, violating FCRA Section 609 ( e ) ( 15 U.S.C. 1681g ), which entitles me to receive all records related to the verification of disputed information. Furthermore, Equifax did not remove the fraudulent inquiries, despite failing to verify their legitimacy, which is a direct violation of their obligations under FCRA Section 611. 

The unauthorized inquiries remain on my credit report, continuing to harm my financial standing and creditworthiness. Equifaxs failure to comply with FCRA requirements, dismissive handling of my valid dispute, and lack of communication regarding their investigation have caused undue stress and frustration. Their actions, or lack thereof, are unacceptable, and I expect Equifax to fulfill its legal obligations to investigate and resolve this matter promptly.
Product: Credit reporting or other personal consumer reports

Despite my prior XXXX attempts to resolve these issues, the following problems remain unaddressed. These inaccuracies are not only impacting my creditworthiness but also causing significant stress and financial inconvenience. It is imperative that these errors are corrected immediately. To support my claim, I have attached all relevant documentation once again, including proof of the correct opening dates and any additional information pertinent to the erroneous charge-off accounts. 

Given the urgency and seriousness of this matter, I request the following actions be taken without further delay : Please help me conduct a thorough review and correct the opening dates of my accounts to reflect the accurate information and Investigate and remove the incorrect charge-off accounts from my credit file. Also please confirm in writing that the necessary corrections have been made to my credit file. The prolonged delay in addressing these matters is unacceptable. I expect prompt updates on the progress and actions being taken until this issue is fully resolved. With this, I am asking for your assistance to correct the late open accounts and remove the charge off : XXXX XXXX XXXX  XXXX Balance : {$35000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be XXXX  % accurate or the information must be updated. 

XXXX XXXX XXXX Balance : {$600.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX Balance : {$670.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX Balance : {$16000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit card or prepaid card

On XXXX XXXX, 2017, I made a purchase on the XXXX XXXX XXXX US website for approximately {$100.00}. I paid with my Bank of America Cash Rewards Card. The transaction was denominated in US dollars. When the charge appeared on my card on XXXX XXXX, I was charged a foreign transaction fee of {$3.00}. This fee should not have been assessed, as I was paying on the US website of a company 's American division and paying in US dollars.
Product: Credit card or prepaid card

I have been banking with Chime bank for about 2 years. They sent me an offer for a credit builder account that is supposed to help build credit. It was my own money that went into the account. Times got pretty hard so I would just transfer my money back into my checking account to pay my bills. I never really used the card anymore, about 3 weeks ago I received an email they closed my account no reason! The problem is I have {$1200.00} in the account. I have no way to get my funds I have called and emailed hundreds of times with no real answers. That is my only money for rent. I am currently on hold now and have been for minutes!! The rep has not picked the line back up I am guessing she hopes I hang up.
Product: Consumer Loan

Capitol One XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Dear Sir/Maam, As a longtime customer, I would like to thank Capitol One for all the remarkable service they have given my family over the years. I hope to continue service with your company into the future for many years to come! 
However, it is my responsibility as a consumer to make you aware of the illegal practices of XXXX of your companies who use your services, namely Menards, of XXXX XXXX XXXX. To begin in XX/XX/XXXX I was having my home remodeled and needed supplies. 
I went to Menards to purchase supplies but they did not have them and said they would have to be ordered. I gave them my credit card and paid for everything including delivery. I told them I must have these supplies delivered by a specific date. After calling them, they called back and said they would not be able to get them there on time for delivery. I immediately canceled my order and told them to give me a refund. 
This was in XX/XX/XXXX. The next billing cycle I received a bill for all the merchandise I NEVER PURCHASED AND HAD REQUESTED RETURNED and called Capitol One, who promptly confirmed my information with Menards. Capitol One said Menards said they had credited the account but Menards never did. Again, I called Capitol One who confirmed that Menards had not credited the account and suggested I return to the store I had visited, which I did. I spoke to an assistant at the desk who said they would handle the return Naturally disappointed, I called Capitol One back. They attempted to make contact and show Menards who had done nothing to credit my account. A couple billing cycles and a couple turns with the Capitol One resolution department finally generated a partial credit on my account. However, I noticed that Capitol One, had sent me yet another bill now for almost XXXX dollars! 
I again contacted Capitol One, who called Menards to ask what was this new charge? No one knew. Finally after a half dozen visits to Menards and over 30 hours of wasted time, I was told that by the way, that was a restocking fee I was being charged for items never ordered, purchased or delivered, since I had already stopped the order before it began! 
Again, I went to Menards, expressed my dissatisfaction and was told well, if you want, we can give you a store credit but we can not refund your account. How can they issue a refund but not a total refund? I told them me financing a store credit was unacceptable and they had no authorization to charge any fees to my account for canceled, undelivered products, which they did not even have available, causing my immediate cancellation. 
In summary, Menards actions amount to nothing less than fraudulent, deceptive and unethical business practices and it should be rightfully and hastily rectified in the interest of honesty and fair trade. If I may be of further assistance please feel free to contact me at your convenience.
Product: Checking or savings account

I opened my account on XX/XX/XXXX. XX/XX/XXXX I was alerted by a representative from Wells Fargo that my account had suspicious charges. A claim was filed. After talking to 15+ representative, one representative assured me that the {$720.00} would be refunded back to my account within 2 days. Instead, I received a notice saying my claim was denied. When i called to speak to a representative I was told that even with proof my claim would not be able to be appealed. I asked for proof from Wells Fargo regarding their decision and received nothing. This was a new account. I have yet to receive a debit card for this account!
Product: Credit card or prepaid card

On XX/XX/22 I left a deposit with a furniture company in XXXX I filed a dispute when I had not received the items and the merchant was asking me to pay the balance in cash. Instead of siding with me the customer, they sided with the merchant who still has not delivered the goods. So now the merchant can sell the items and make more money off them. I am stuck left to pay {$1000.00}
Product: Checking or savings account

This complaint refers to a {$1000.00} deposit made as part of the sign-up process for a Capital One 360 Performance Savings account. The account has been closed and Capital One has failed to return this deposit. 


On XXXX XX/XX/2023 I opened a Capital One 360 Performance Savings account. Part of the process was to initiate a transfer of funds from a personal local savings account into this new account. I made the transfer of {$1000.00}, and my local bank shows the transfer having been completed. 


On XXXX XXXX, I did not have full access to the new account, so I called their customer service number. I was told that my account needed additional verification ( there had been no notice of this via email or via messaging through my new account ), and that I would need to download an app to my phone which would then be used in a complex operation to take a picture of my drivers license, front and back, under very narrow constraints. After half an hour, the process continued to fail and so I told the customer service rep that I didnt feel like online banking should be this complicated. I asked them to close my account and return my {$1000.00} initial deposit. After the phone call was transferred to somebody else I was informed that the account would be closed, and that the deposit would be returned to its original account. 


On XXXX XXXX I found that I was no longer able to log into my Capital One account ( which is understandable, and was part of what I requested ), and that I would need to call their customer service number. In the meantime, my {$1000.00} from my local bank had not been returned. I called Capital One customer service number and, after entering my information, was directed to voice mail. It appears that there is now no way I can actually talk to anybody. The voice mail greeting says to leave name and phone number, and that they will try to return the call if its needed. 


On XXXX XXXX, my {$1000.00} deposit still has not been returned, and I have left a third voice mail ( again, there is no way to access a live representative ) informing them of the problem, that they need to return my {$1000.00} initial deposit to the local account from whence it came, that I have filed a complaint with the Better Business Bureau, and that I am now preparing this complaint for submission to the CFPB. 


I do not suspect malicious behaviour, but probable significant deficits in their customer service that prevent this from being resolved. Nevertheless, they continue to retain my {$1000.00} initial deposit and they provide no way for me to resolve the situation other than for me to leave voice messages that they say they might return if necessary.
Product: Credit card or prepaid card

on XX/XX/2019, I made online order for a sandwich from XXXX restaurant for {$5.00}, using the Chase Freedom credit card. I applied a XXXX promotional coupon in the amount of {$5.00}. So the correct charge should be {$0.00}. However, the charge appeared on my credit card account was {$670.00}. 

I called the merchant, XXXX restaurant, to verify the charge. The representative confirmed that XXXX only charge {$5.00}, less {$5.00} to my credit card. 

I contacted Chase credit card service and opened dispute about the overcharge transaction. However, Chase insisted that the {$670.00} charge for a XXXX sandwich was valid, despite the response from the merchant stated clearly the amount of the charge for the transaction should be {$5.00} rather than XXXX. 

I have escalated the matter several times to Chase 's supervisors. I directed them to the evidences provided by both the merchant and myself, to show that there is no discrepancy between. The supervisors fully understand the situation, but kept on saying that the charge of {$670.00} was valid and there is nothing they can do about it. They refused to discuss further with me when I asked them to explain how Chase came to their ridiculous nonsense decision. 

I feel there are some dark secret behind Chase 's operation and need CFPB 's intervention to look into the case.
Product: Mortgage

I was sold to Green Tree XX/XX/XXXX, and its been a nighmare they say I 'm behind in my payments. Green Tree says I missed XXXX payment XXXX I made that payment and I have proof from my bank account and from XXXX XXXX statement I requested. So every month Green Tree says I 'm late they call all the time and threaten me. Ive sent Green Tree my bank account statements and a years worth of payment history from my old mtg ( XXXX XXXX XXXX. Which shows Im up to date on payments. Now they are sending out strange people to take pictures of my house and tape notes to my door, I called the number they give me and its disconnected. so I call a different number and the lady says they sent a sight inspector to check on my house. They call everyday and ask if I want to keep my house. I tell them I made all my payments and have proof but they wont accept it. So they are saying I 'm over 30 days late, BUT I AM NOT. They are messing up my payment credit history.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2023, I learned of Community Capital Bank ( CCCB ) presenting a negative report and contacted the Company. The alleged debt evolved from an interest fee applied 12 days after the account was paid in full. 
When I informed the agent, I was not informed of any past or present charges ; she looked deeper into the account and realized my email address was incorrect and since my statements are paperless, I could not have been informed. 
The Agent then reversed all fees and penalties and allowed me to pay the alleged {$6.00} interest charged after my attempt to pay the balance in full. The payment was cleared and posted XX/XX/2023. On XX/XX/2023 CCCB again reported I had a balance of {$58.00} over 60 days past due. 
In response to my dispute XXXX updated the report on XX/XX/2023. Not only does it still show Im over 60 days past due ; the CCB reported {$28.00} due as of XX/XX/2023 yet a balance of {$58.00}. A result of CCBs action my credit score has plummeted from XXXX in XXXX to XXXX today. With the evidence I have presented and when you see in your own files, all my creditors report never late, I pray you will take appropriate action to remove Community Capital Banks false report and ramifications caused by it, from my report. 
Community Capital blames XXXX. XXXX Blames Community Capital. Neither will take the effort to resolve it inspite of information I have supplied
Product: Credit reporting or other personal consumer reports

After careful review of my consumer report, I still noticed that you furnished inaccurate accounts on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to indemnify maximum possible accuracy of the information concerning the individual about whom the report relates. You have verified inaccurate information which is illegal! You have violated METRO2 Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to opt-out of reporting these accounts on my credit file pursuant 16 CFR313. Im opting out all information thats not accurate and pursuant 15 USC 6802, 15 USC 6803, 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand attached accounts be deleted from my consumer report. 

1. According to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. 

2. I also have proof of public legal notice, that all the liabilities for XXXX XXXX have been transferred to the XXXX XXXX XXXX XXXX. Therefore, any negative accounts listed on my consumer report is inaccurate and erroneous and must be DELETED from my credit file. My consumer report should be free and clear of any negative and false items. 

-Please See Attached
Product: Credit card

I signed up for tanning at XXXX XXXX XXXX XXXX on XX/XX/XXXX with plans to pay for a month to month membership. On that date I paid {$53.00} for one month of tanning. I used one month of services and never went back. On XX/XX/XXXX I was charged {$100.00} which I did not authorized. Upon calling the business they told me that I agreed to a 90 day commitment which involves three months of billing. I never agreed to this and never signed anything. They told me they would not do a refund because they have a no refund policy. 

I clearly remember on the day that I signed up that there point of sale system/tablet was not working so they were unable to have me sign anything. The employee also never mentioned I would be entering a 90 day commitment. I asked to see this agreement they were talking about and they sent me a membership agreement that I never saw and doesn't contain my signature. It explicitly says on the bottom of the agreement that you acknowledge and agree to it with a signature but there is no signature. They are charging me and holding me accountable for a contract I never signed. 

I tried to dispute the {$100.00} with Capital One but they are telling me I am responsible because I have no documentation. XXXX XXXX XXXX provided an agreement that has no signature, so Capital One feels I am responsible. I don't understand how an unsigned contract should hold me liable for the charges.