23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX and XX/XX/XXXX I was charged two different amounts to two different companies in which I did not authorize. 

XX/XX/2021 PURCHASE XXXX XXXX XXXX XXXX # XXXX / XXXX, XXXX - Cleared - {$95.00} XX/XX/2021 PENDING PURCHASE CS *XXXX XXXX XXXX / XXXX, XXXX - Pending - {$12.00} I called the XXXX to dispute these charges or cancel them. I could not do either -they stated I had to wait 7to10 business days. 
I am not happy that I can not get the money because my card was compromised, and I can not even dispute the charges until 7-10 business days later. THEN to add to this disaster XXXX charged me {$4.00} for a replacement card for something that was NOT EVEN my fault I have called XXXX and requested they send me the paperwork to just get a paper check in the mail from now on because it is way to hard to stay on hold then wait to dispute something and not have access to your money when it is needed. 
I thought Mastercard backed their product better
Product: Debt collection

Results Unlimited is ruining my rental history with a collection account that is apparently in my name somehow. After multiple attempts, they still refuse to provide proof of the debt owed. Therefore under consumer protection laws the debt in my name must be removed.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
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
Product: Debt collection

My name is XXXXXXXX XXXX and I am submitting this complaint on behalf of myself without any influence to a third party or agency. The debt collection company falls under the FDCPA and they have violated several federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir/ma'am, I am XXXX XXXX, I am very diligent in paying my balances. I am an honest person. I managed to get my credit score in ranges of XXXX XXXX by acting with discipline and diligence in paying my dues. This incidence below has led to substantial dip in my credit score from XXXX to XXXX without any fault of mine. 
I want to bring to your notice about in accurate reporting of delinquent account on my credit report. This is about CITICARDS CBNA # XXXX, as reflected on my credit report. There was a confusion and gap in communication. I never have got any communication and wasn't even aware that I am being charged on that card which I have never used for any transaction. I have spoken with citibank officials and that has been rectified and corrected infact the same card has a negative balance of ( $ XXXX ). I can attach the statement for the same for your records and review. There is no balance due on me and the recent statement is a proof of that. Can you please suggest how can I get this erased from my credit report of all 3 organizations i.e XXXX, XXXX and XXXX. It will be a great help as I have always been sincere and diligent in paying my debts. 
Despite closing with Citibank, I still see the dent in my credit score. The whole event should have been removed without even mention of that, as first there was no fault of mine and 2nd the mis communication was settled with Citibank with resolution of the case. 

Please help me in addressing this huge dent in my credit score with all 3 reporting agencies like XXXX, XXXX  and so. 

Regards, XXXX XXXX
Product: Checking or savings account

I am XXXX XXXX XXXX. I had accounts with XXXX, all of which were transferred in XX/XX/2022 to Citizens Bank. Citizens doesn't have any branches in the state where I now live. I can't get through by telephone to the numbers listed on the Citizens website. 
I have other accounts with Bank of America. I use the Citizens checking account only to receive my Social Security by direct deposit. 
I made a mistake and overdrafted my checking account by {$29.00} on XX/XX/2022. I learned of this because I receive automatic emails for every transaction. I immediately opened my computer to look at my checking account. I saw that there was a {$12.00} charge to cover the check and that my checking account indicated a negative balance of ( XXXX ). I immediately deposited {$50.00} into my checking account, which then read a positive balance of {$38.00}. However, there is now a balance owing of {$29.00} on the overdraft credit line that the bank set up automatically. 
I went to the overdraft on my computer. There is no way for me to make a payment to clear it. I've gone through agony with this bank. I can't reach anyone by phone. I can't work computers. I've repeatedly called. I am now at a loss as to what to do. The overdraft is accruing a 17 % interest charge. I am also worried that the bank is charging {$12.00} per/day as a surcharge because the " new customer '' instructions indicated that {$12.00} would be accrued daily until an overdraft is cleared. 
It is incredible that I can't reach anyone by phone. The waiting time is over 1 hour. I am a XXXX XXXX XXXX patient and can't take this pressure ( XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Thank you for acknowledging receipt of this complaint.
Product: Checking or savings account

This issue with TD Bank first began when I moved outside of TD Banks footprint. My account was placed on hold until I could verify my identity which was via the submission of my credentials and a signed and notarized affidavit of identity. TD Bank restored my access to my account until sometime in XXXX when I presented a check to TD Bank which end up bouncing. The fraud department suspended my access to the account until I could submit requested documentation and bring my account to a positive balance. Once I had met the conditions set by the fraud department as discussed my access to my account had been reinstated. Later I was contacted by management from TD Bank in XXXX XXXX, Florida which was known as my " home branch '' the manager requested I resubmit identity documents, she advised she would be able to take the proper action once I had provided the requested documents. Shortly after providing the requested documents my account was placed on hold again pending closure. I Contacted TD Bank customer service who redirected me to the branch. Management said that due to a check I had submitted TD Bank chose to close my account however prior I worked with TD Bank 's fraud team to reopen the account in good standing. I selected TD Bank to receive my tax refund which was deposited into TD Bank however due to the hold on my account the funds have not been made available to me nor has TD Bank been willing to work with me to reopen the account. TD Bank stated that the account would be closed and the balance of the account disbursed to me in form of a cashier 's check however TD Bank continues to withhold these funds from me and has not closed the account nor communicated with me about the status of the account or my money. I have entered into extreme hardship do to this treatment of TD Bank.
Product: Vehicle loan or lease

XXXX was closed out prematurely and inappropriately by XXXX with Ally. After my inital complaint regarding Ally prolonging my refund, they are doing it again. I received the initial check on XX/XX/2021. Ally received an additional payout from XXXX insurance of {$600.00} dollars AFTER the XX/XX/2021 check. Since I was forced to pay off the loan in XXXX due to Ally 's delayal tactics and refusal to do their job, they now owe me an ADDITIONAL payment. It took XXXX a week to find the {$600.00}. XXXX verified on XX/XX/2021 that Ally did receive the {$600.00} XXXX payment on XX/XX/2021 and that they owed me an additional {$600.00}. Now, the complaint has been closed with her stating they do not owe me {$600.00}. I have been told my multiple people at Ally, the refund would take anywhere from 10-60 days. I was told twice, the {$600.00} would be expedited and mailed within 14 days in XX/XX/2021. I can not get a straight, truthful answer nor have I received the refund 64 days later. XXXX, herself, stated it is normally 30-45 days. After the complaint was closed, I called and left a message on XX/XX/XXXX and have not received a call back. If XXXX can't complete this complaint in a TIMELY and APPROPRIATE manner, someone who can complete this complain in a TIMELY and APPROPRIATE manner needs to take over. I will continue to file complaints each time a complaint is inappropriately closed out until I receive the final {$600.00} payment.
Product: Prepaid card

Last year I thought my card was stolen and I called for a replacement card. I had moved and not updated them yet. They froze my account for for fraud and I have been unable to get it unfrozen. The number you call has a wait time of days if it is ever answered. This is my XXXXXXXX XXXX XXXX not theirs. The amount is at least XXXX dollars. It is absolutely impossible to get through to them. Since this happened I have been homeless because I could not get my money. So yes I have tried everything with these people. I want to have a valid email address to prove info and a timely response without sending me to the no answer phone number.
Product: Consumer Loan

a high % loan shark in XXXX XXXX carries the paper on my truck loan 23 payments into the loan he sells my loan to a company on the other side of the country I disputed the transaction requesting some pertinent information concerning the loan after several months they send me a portion of the info I requested at that time I sent them a letter of stipulations and started making payments based on them accepting the stipulations 4 payments later they repo my truck. I 'm out of pocket over {$20000.00} and nothing to so for it I would like to sue them do I have probable cause XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent in a request for verification on the account : Snap On Credit Account Number : XXXX No verification documents were sent. 
On XX/XX/2021 I disputed the date of last active on XXXX, XXXX, and Equifax. Again, no documentation was provided nor was a comment added on to my report stating this account was disputed. 
On XX/XX/2021, i sent another dispute letter stating i still had not recieved verification also they have not updated the comments stating i have been disputing this account.
Product: Student loan

I have been on the save plan with 0 % interest and I am still accumulating interest. But its only showing up in the portal. All the letter I have been sent show that I havent been charged any interest.
Product: Debt collection

I advised XXXX debt wasnt mine and advised them that i never had the company and that my wallet got stolen in high school with my social inside, sent Jefferson capital system a debt validation letter over XXXX+ days ago and the debt still havent been verified, and Im trying to take care of this once for all and disputed with XXXX after not receive debt validation request and was advised information was accurate
Product: Payday loan, title loan, personal loan, or advance loan

I was denied SCRA benefits for account XXXX  and I am still not understanding this denial. I know you all keep referring to Ohio state law 1343.031 but also in that law it reads INTEREST RATE PROTECTIONS 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA provides service members with a 6 % interest cap on all debts incurred prior to active duty, including federally insured guaranteed student loans. 

164 Note that Ohio extends the 6 % interest cap on all debts, not just those incurred prior to active duty, obligations and all debts. I know that you all keep saying best egg doesnt fall under obligations but it does fall under a debt. Is there a direct number or contact information that I can provide my legal team with, because every other company I have reached out to has granted my SCRA benefits to all accounts prior and current XXXX XXXX. Please take time to read the attachments I have included below for reference.
Product: Credit card or prepaid card

I have been a capital one customer since XXXX & since about XXXX I have been kept at a credit limit of {$1700.00}. I have submitted multiple requests for a limit increase twice a year since XXXX & have always been denied with no real explanation, other than insufficient use of card. So then I've used the card more & have paid the full amount off, only to be denied due to my account not being eligible at this time. Which makes no sense. I pay {$39.00} dollars a year for this card & can't reap the rewards of it. It's a scam! At this point, I am extremely dissatisfied with the way this company has dealt with me & I don't use that card anymore. I applied for a credit limit increase again today but I have no hope at this point. I would like to either, have them increase my limit or offer me an upgrade option. I would not like to close this account since it is my oldest account & this would affect my credit score which is currently XXXX. Seems like capital one is stealing from me! since I can't make up the {$39.00} a year in rewards & it seems purposely calculated by the company, which is not fair. I have {$20000.00}, {$15000.00} & {$13000.00} in credit limits on other cards, which I manage very well & have never had issues with late payments. Also, most of their customer service employees are extremely rude, have offered absolutely no help or real explanation & have even hung up on me in the past. I am submitting this complaint because it is clear that capital one is taking advantage of my yearly payment & capping me off at a low limit of {$1700.00}. Essentially only capital one gains from me. They get more from the annual fee than I can ever get in rewards. Seems pretty calculated & more like a scam.
Product: Mortgage

I believe my application was started at Amerisave XX/XX/XXXX. It has now been almost 120 days and not closed. My application and my loggin info with Amerisave always said cash out loan. I have expressed to everyone that I needed to max the amount I could get out because I needed braces. My first loan originator said she could get back approx {$7000.00} to me. She made a mistake with my address and it costs the process a month. She was apparently fired. Second loan originator ( XXXX XXXX ) got my file XX/XX/XXXX. I expressed to him that I needed to max cash out. See emails. He sent the loan to underwriting as just refi not a cash out. I figured that out with the loan processor ( XXXX XXXX ) on XX/XX/XXXX. She sent an email to XXXX and his boss trying to fix it. XXXX replied to that email that he spoke to me and everything was fine- I never spoke to him-have sent call log from my phone as evidence. Since that point he has sent me condescending, bullying, and rude texts to make me close the loan and said I can not speak with his boss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a document to Experian showing that negative items XXXX on my credit report had to be removed due to I won a court case again the company XXXX for Robocalling. After 30 days Experian didn't remove it the items still remain on my and affecting my credit report.
Product: Mortgage

My escrow account has been set up incorrectly and the bank is not doing anything to solve the problem. My monthly payment is {$2200.00} and it breaks out into Principal and Interest {$1300.00}, Escrow : {$870.00}. Escrow account should include taxes, insurance premiums and PMI. Taxes : {$4000.00} annually ( Parcel - XXXX XXXX County - CA ) Insurance Premium : {$390.00} annually and Private Mortgage Ins. {$210.00} monthly. If this is what my escrow account should include, plus any sort of " cushion '' I do n't know why it has been set up to {$870.00}. It should roughly be {$590.00} My escrow balance up to date is {$3300.00} which is far more than what it should actually be. I have requested my bank in several occasions to please update my escrow account by having an escrow account analysis done and they refuse. They say it will be done until XX/XX/XXXX and recently a representative emailed me saying it would be until XX/XX/XXXX. This is a huge difference and it is been a burden on my family.
Product: Credit reporting or other personal consumer reports

have contacted Tranunion over a year now to remove this suppression. This has caused great havoc in my life. Hello I dealt with several agents for months and you all unlawfully have my credit report suppressed. I'm filling a complaint to Consumer Financial Protection Bureau. If you all font fix this issue ASAP. I'm filling a complaint to that CFPB Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I'm going to ever social media outlets to make reports Trans Union lack of action to resolve this issue with my file in a timely matter ( Transunion refused to insureds my file ) is a violation of the fair credit reported act. If I lose my offer my house due to bring held up. I will take transunion to count and notify every social media outlet. Starting today. I'm in consultation with consumers media lawyer right now. File XXXX I asked this be done no action has been taken I sent in proof from XX/XX/XXXXXXXX  to Currently date XX/XX/XXXXXXXX  This is a on going issue I and speaking with lawyers and I am preparing to sue and bring awareness online media outlets the news to address this is a public setting. I sent the company all the information and the still refuses to lift the suppression
Product: Credit card

For XXXX weeks I have tried to get Wells Fargo XXXX XXXX to let me use my rewards. I have over {$500.00} of rewards showing on my Wells Fargo account but when I go to my XXXX account it doesnt show any. For over XXXX weeks they keep blaming it on the other company ( wells Fargo and XXXX ) and say they are escalating this. Nothing ever happens or is getting fixed and they are playing me in circles. Wells Fargo has admitted they see my rewards but wont let me use them. Ive tried everything and every time I call back they just say theyll look into it. We are almost to a month of dealing with this and they dont care.
Product: Checking or savings account

PLease note this is continuation to my previous complaint about Citibank. 
Ref # XXXX. 
on XX/XX/21 at XXXX XXXX citibank made an " authorized '' entry to ALL my accounts and withdrew all my funds. These accounts included accounts of my children who are merely students.
Product: Mortgage

To whom it may concern : Caliber Home Loans erroneously paid my property taxes even though I dont have an escrow account. Caliber then bumped my payment from {$640.00} to {$1500.00} to cover their mistake. Please see the upload escrow breakdown. They failed to property calculate taxes and force-placed escrows to cover their mistake. 

XXXX XXXX XXXX
Product: Debt collection

XXXX, 2015, I was injured in a car accident. I hired an Attorney, who acted on my behalf. All bills were paid relating to the accident accept the Medical provider who did not bill or provide the data to my Attorney timely or bill my insurance. My insurance company pays 100 % of XXXX. Record shows the hospital has my data on file as well as insurance. The hospital was paid in full. I spoke with personnel XXXX, who has yet to send me the itemized listing or services rendered for XXXX. This info remains and is affecting my credit. I called the Collection Agency, who made note. XXXX should be held accountable and liable for not reporting and filing with my Insurance company. The appearance on my credit report is viewed negative. I do not recall services rendered for the days indicated below. If I owe why was the insurance company not billed and the data turned over to a collection agency? This in general is the responsibility of the patient, initially. however, the Medical provider must do it 's part and bill.
XX/XX/XXXX - {$640.00} XX/XX/XXXX- {$490.00}
Product: Debt collection

I have recently submitted to your company certified letters containing police reports, identity theft declaration of facts, and a signed document from the Federal Commission Trade # XXXX. To notify your company that I am a victim of identity theft, and that the account you are reporting on my credit files are fraudulent. You are in violation of my consumer rights and these accounts should be removed immediately. 
I have sent several certified letters to your company asking can you verify these accounts, I've asked you to send me proof that these accounts are mines, yet you have failed to respond to my letters and verify these accounts, yet you continue to report to the credit bureaus that these fraudulent accounts are unknown to me and I have no knowledge of these accounts. Please remove these accounts immediately. 

The following accounts should be removed immediately : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$530.00} Date Opened : XXXX
Product: Credit reporting or other personal consumer reports

I have called in and sent in a request to have my personal information updated 3 times total to XXXX, Equifax and XXXX. XX/XX/year>, XX/XX/year> and XX/XX/year>. I have not received any change on my report.
Product: Credit card

I attempted my card at a drugstore in my home town for a medical ailment that Optum bank should be well aware that I have and since I have used other times for supplies for the same ailment. 

I have over XXXX of funds on the card they are my funds that I deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I repeatedly provided PROOF from DCS that shows that all accounts are closed. XXXX, XXXX and Equifax continues to tell me that the creditor shows and account open. Why are the credit bureaus are violating to FCRA? I have the documents proving that this account is closed. I paid all accounts off in XX/XX/2022 and DCSXXXX provided me with proof that these accounts are truly settled. My credit report show that it is open and that the creditor verified that it is so. NOT true. These bureaus are not looking at my documents because if they were they would know that these account are closed
Product: Credit card

I called XXXX asking them to removed this off of my credit report because my account was paid in full and there where no results.