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

The 5th 3rd Bank placed a hold on a check deposited from a XXXX Account which cleared the next day. They place a XXXX hold on the check, claiming that it takes 9 days for the Federal Reserve to instruct them if funds have cleared. When I indicated that the Federal Reserve clears funds every night at midnight - they then changed the story to the FDIC - when I explained the FDIC doesn't hold funds - they refused to further answer any questions regarding the funds and indicated I would have to wait until they decided to withdraw a hold. 
I asked that since they finally admitted that the hold was by Fifth Third Bank and neither government agencies- the lady said she can not pull a hold - in fact, Fifth Third gives full authority for a supervisor or Branch Manager to pull holds.

At this time, the funds are misappropriated and misplaced illegally by Fifth Third Bank and they can not identify where the funds are now held.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capitol One 's failure to deposit my direct deposit of {$1000.00} from my employer and any other incoming deposits. Capitol One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

Account was frauds prossible XXXX spent Without knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/2021 in regards to inquiries they were reporting on my credit report. 

Transunion did not respond to my letter nor delete these inquiries. 

Please see attached proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX  XXXX XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several accounts since being notified of this on my credit to have this corrected through disputes and through here. I have spoken with XXXX at XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX she stated that there was no outstanding balance owed from XX/XX/XXXX.
Product: Credit reporting

Trans Union is not responding to investigate numerous fraudulent inquiries in my credit file that were not initiated by me.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

On XXXX, my adult, married daughter with Tri-Care insurance went to XXXX XXXX XXXX XXXX for treatment. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PH # XXXX ) The admitting nurse input her information, which was not completely correct, and incorrectly added my name as a financially responsible party. I was not there that day, nor did I sign any paperwork accepting responsibility for payment. Her insurance, XXXX, paid the entire bill. Because the admitting paperwork was wrong, my name was forwarded to XXXX XXXX XXXX XXXX XXXX XXXX for payment of {$80.00} and {$100.00} for services given to my adult daughter on that day, XXXX. XXXX XXXX XXXX XXXX XXXX  ( XXXX ) never sent me a single bill or notice alerting me to this error. Instead, they waited nearly a year and sent my name directly to their collection company, RadiologyBill. ( XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX ). Again, this bill, which is not mine, was paid in full by my daughters insurance, XXXX. Last Friday, XX/XX/year>, I received a letter of Collection demanding payment of {$180.00} from RadiologyBill. This is the first time I heard anything about any of this. I called the collector and said, this is not my bill. They gave me my daughters name and date of service and said, there's nothing we can do, only the hospital or the XXXX XXXX XXXX XXXXXXXX XXXX XXXX can fix this error. My daughter and I went to XXXX XXXX XXXX XXXX where the treatment took place and discovered that the admitting nurse made several errors including adding my name, XXXX XXXX, to the account ( also a HIPPA violation ) for payment. We were referred to the Director/Superintendant of XXXX  Nursing at the hospital who said, Its not our problem and there was nothing we can do. I had to hound her to get the phone number to XXXX XXXX XXXX XXXX XXXX. I called the radiology billing department and they never answer their phones. I had to leave several messages and my phone number to get a call back to talk to anyone and so far they have been unwilling/incapable of fixing this problem. Their response, Its not our problem because this has already been sent to collections. I asked to speak with a supervisor and was told no and that someone would call me back. So far, I have had no success talking to anyone, including any supervisor as requested, at XXXX XXXX XXXX XXXX billing department. I just keep leaving call back messages with my phone number. Meanwhile, I have filed a dispute electronically at www.radbills.com/dispute with the collection company and have received no confirmation number, no confirmation email and no response. There seems to be no accountability and no recourse. Aside from getting an attorney involved, how can I clear my name?
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify this account ( A ). It is not permitted to report these account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$100.00} also XXXX XXXX XXXX XXXX has violated my rights for the amounts of {$5500.00}, {$6600.00}, and {$770.00}.

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against cash app ( Block.inc ) cash app failed to take timely and effective measures to prevent and address fraud on their platform..leaving my account vulnerable and unprotected..their dispute resolution was unfair..
Product: Credit reporting or other personal consumer reports

Please see the attached screen shot of this fraudulent account ( XXXX ). First of all I do not have an account ending in ( XXXX ) I do however have an account with XXXX XXXX  XXXX XXXX XXXX ( XXXX ) OPEN-END LINE OF CREDIT AGREEMENT with account number Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Department Manager XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Subject : XXXX Billing Error This account has never been late and has been paid as agreed.
Product: Credit card or prepaid card

I received an email from Chase inviting me to upgrade from the explorer card to the quest card. 
The offer included a XXXX mile bonus after {$4000.00} was spent in the first 3 months. 
The offer clearly states this card product is available to you if you do not have this card and have not received a new card member bonus for this card in the past 24 months. 
I upgraded my card based on this offer. Once again, this offer was sent to me. I didnt request it. 
After the 3 month period and spending far in excess of the {$4000.00} I called customer service to inquire about the bonus miles that has not been added to my account. The representative informed me that because it was an upgrade and not a new application, I was not eligible for the bonus. I then requested to be transferred to a supervisor. The supervisor heard my complaint and agreed that I had a valid issue with the offer. She then assured me that I would receive an email within several days addressing the issue. 
Having not received an email, I once again reached out to customer service. This time I spoke with a gentleman who described himself as the most senior person that I could speak with. In spite of him agreeing that I was clearly qualified for the bonus based on the details in the offer I had received, I was not eligible because of the upgrade as opposed to applying for the card. 
I am sure that every other Chase explorer card holder who received the upgrade offer has been denied the bonus miles. 
The supervisor also stated that there was no one in a more superior position that I could address my concerns to. 
I am bringing this complaint to you because of the blatant and misleading advertising enticing the consumer to upgrade to a much more expensive card.
Product: Credit card or prepaid card

The problem is with the XXXX XXXX AAdvantage card administered by Barclays. I got a call from the credit card company on XX/XX/XXXX that questioned a charge from XX/XX/XXXX on our account ending in XXXX. We said it was improper charge. As a result they suggested we close that account and were told that we would be issued a new card that we would receive in 7 to 10 days. To date, we have NOT received that card. 

I went into my account online and found that there had been charges to the NEW ACCOUNT that APPARENTLY ending in XXXX. Again, I have not received a new card OR ACTIVATED IT but there were charges anyway. Among the charges was ANOTHER FRAUDULENT CHARGE BUT TO THE NEW CARD ( XXXX ). I HAVEN'T RECEIVED OR ACTIVATED THE XXXX CARD. HOW CAN THEY ACCEPT CHARGES TO THE NEW NUMBER WHEN IT HAS NOT BEEN RECEIVED OR ACTIVATED? The suspect charges had slightly different names but were for the same amount of {$120.00}. Clearly, both were from the same company in CA. 

I called Customer Service to dispute the latest charge of {$120.00}. She closed the XXXX card ending in XXXX that I had not even received let alone activated! However, in discussing the problem with Customer Service, I accidently found out that, upon closing the second card ( XXXX ) ANOTHER CARD WAS TAKEN OUT AND ACTIVATED ending in XXXX!!! WHAT KIND OF SECURITY IS THAT???? When I complained and asked to talk to a supervisor I was cut off. 

I went back into the website and IMMEDIATELY cancelled my account. 
THIS IS GROSS NEGLIGENCE.
Product: Student loan

I have been on XXXX since X/X/2017. When I called Navient to let them know, they extended my forbearance, which I recently learned was part of their deceptive practices. I believe they should have encouraged me to get an income based repayment plan or some other better option for my situation. My student loans are now {$260000.00} I dropped out of law school in my 2nd year and dont even have my degree. I cant even keep up with the interest!
Product: Mortgage

The company, Seterus , Inc., which has locations in XXXX, CT, XXXX, OR, and XXXX XXXX, CA, has been harassing us for months with threatening letters, inconsistent dollar amounts of " late payments '' and threats of foreclosure if we do not bring our account up to date. I have documentation, supported by my bank statement and Seterus ' own website, to show we have not missed a payment nor have we been late. My job has been in XXXX XXXX, and I have compiled a comprehensive spreadsheet verifying my position. Seterus has also falsely reported my wife and I to the various credit reporting agencies in an attempt to damage our credit, forcing us to pay their demands.My research into this company shows is this rather common of their practices. Internet sources show there are a myriad of complaints and lawsuits against them for similar issues.I request that they cease and desist their harassment, correct our account status and remove the derogatory remarks from our credit reports. I'm not sure which documents I should include as there are many. I appreciate your input as to what is needed and I will be glad to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX and Equifax several times via phone online, and via first class mailings on many occasions in regards to 2 accounts that were placed in my name that did not belong to meand that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to name was XXXX and he stated he was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX with a balance of {$3200.00} and XXXX XXXX ( XXXX ) with a balance of {$780.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that I had a couple fraudulent accounts on my credit report, I submitted a complaint here on this site, yet XX/XX/XXXX claims that it wasn't me whos sent the information so they are not going to block the fraudulent items. How can I prove to XX/XX/XXXXthat it Is really me who submitted this complaint? Why are they not blocking these fraudulent accounts?
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that I didn't authorize
Product: Credit reporting or other personal consumer reports

I requested that XXXX XXXX validate the charge-off account : XXXX reporting on my consumer report along with the original contract that I signed in XXXX of XXXX  through certified Mail. Additionally, I requested if the account 's debt can not be validated through a contractual agreement, or receipts of late payments, then the account must be removed from my XXXX XXXX Transunion consumer report. XXXX XXXX has still NOT responded to my dispute however, they are still reporting the account on my consumer credit report with XXXX and Transunion. This is a violation of my consumer rights per the FCRA & FDCPA : Consumer disputes and reporting legal processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed a student loan from XXXXSun Trust Bank with the credit bureaus that was unfamiliar to me and they have came back verified. I received a promissory note in the mail which I signed but it was never with XXXXSun Trust Bank. The promissory note that I signed agreeing to the loan is with XXXX not with XXXXSun Trust Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an outstanding balance on an account with XXXX XXXX. My services was disconnected due to hardship. Once I got back up and running on my feet I had my services reinstated. By time that I did XXXX XXXX  had my outstanding balance with a collection agency. I proceeded to speak with a customer rep through XXXX XXXX   and they told me they can reclaim my account back from the collection agency and I can restart my services which I did. They proceeded to tell me that my name will be removed from this company and out of there system. As of today this company is still reported on my credit all they did was update my balance to paid in full which I did not pay them a dime. When I spoke with a representative from receivable performance they told me that the rep that handle all of my info with XXXX XXXX gave me false information and they wasn't going to delete it. I hate been told false information if that was true that should not have been told to me.
Product: Credit card

I have a Macy 's credit card account which has been in good standing since XXXX. In XXXX, XXXX I purchased a dress for {$100.00}. In XXXX I paid {$30.00} to my Macy 's account and then later in XXXX, I returned the dress and made a purchase of around {$40.00}. I was thinking that with the {$30.00} payment and the return, I was probably about even and assumed I would receive a bill for the balance, if there was one. I have not used the Macy 's card since XXXX. In XXXX I reviewed my Fico score which is provided by XXXX XXXX XXXX and I noticed that it had suddenly dropped from the mid XXXX 's to less than XXXX for " delinquency ''. But I was unaware of any accounts that were delinquent. I then pulled up my credit report and saw that Macy 's had reported me to all XXXX credit bureaus as being 90 days delinquent, which greatly impacted my credit worthiness. I looked online at my Macy 's account and saw that I had a balance of {$12.00} in XXXX and then fees and interest had been added for the next XXXX billing cycles. I saw that my account was " late '', that I owed {$35.00}, and that my available line of credit had been dropped from {$4800.00} to {$300.00}. I immediately paid the balance. My complaint is that Macy 's never called me, sent an email or mailed me a bill. There was never any notification to me, by Macy 's indicating that I had a balance due. Now, because I was never properly billed for the {$12.00}, I have bad credit. I am hoping that there is some way this could be remedied, especially considering the low dollar amount that I owed and the fact that I had never been late in the past.
Product: Credit card

XX/XX/2015 some one change address of my Synchrony credit card with out notify me. XX/XX/2015 someone use my credit card from synchrony bank {$900.00} ten times in one days at Wall mart in XXXX XXXX, on XX/XX/XXXX. that person pay the credit card {$9700.00} with fake check and in the same time Synchrony bank let that person buy {$900.00} more at Wall mart at XXXX XXXX before the check clear. I found out when I use the card on XX/XX/XXXX access denied. I called Synchrony bank and found there fraud activity going with my account. Synchrony bank start send email change address which I received on XX/XX/XXXX and after the fraud activity happen.. 
Synchrony bank closed my old account and move {$9900.00} + interest to my new account. 
When ever I call they always said under investigation and they accrue the interest. 
I report to [ police in XXXX XXXX, they said they can not do anything because the fraud activity happen in XXXX XXXX but the police give me the case number XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) ... 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.
Product: Credit reporting or other personal consumer reports

i have tried to dispute incorrect information as payment history that i have never been late on the months shown and i have made on time payment as agreed on all my credit card accounts. AND ASLO PLEASE DELETE AFFIRM ACCOUNT FROM EXPERIAN REPORT
Product: Checking or savings account

On XX/XX/22, I opened a checking account with US Bank and funded the account with an opening deposit of {$25.00} from my XXXX checking account. On XX/XX/22, I noticed two pending debits from my XXXX checking account for {$25.00} each. On XX/XX/22, the two debit transactions posted on my XXXX checking account, but there was only one posted credit of {$25.00} to my US Bank checking account. 

On XX/XX/22, I contacted US Bank to obtain an explanation of where the missing {$25.00} went and why they performed an unauthorized transaction. They did not have any answers for me and recommended I file a claim with XXXX XXXX. I was transferred to multiple departments and nobody could provide an explanation. 

I feel that US Bank has the funds, but did not post it to the correct account. The representative advising me to file a claim with XXXX XXXX  is bad advice and just pure laziness.
Product: Money transfer, virtual currency, or money service

We have an automatic withdrawal coming out of our checking and into our daycare providers account weekly. The start of XX/XX/XXXX the auto withdrawal started to not work after 2 years of no issues. It would double pay some weeks and then skip other weeks. I have called the US banks customer service line 3 times. Spending over an hour on the phone with them each time with no resolution. I have tried the last 7 days to cancel this transfer but the US banks site has been down. I called to let them know I couldnt cancel this online due to their site not working and they told me to go into a branch. So today XX/XX/XXXX I went into a branch for 45 minutes with still no resolution. They told me there was nothing they could do for me to stop this withdrawal from my account. We are switching daycare so I need this resolved ASAP. I have never in my life been treated so poorly or have felt so helpless with my own banking. I am beyond frustrated that no one will help me. I just want to cancel this automatic withdrawal so I can be done with US bank.
Product: Debt collection

I am writing to request your assistance in addressing a matter of great importance related to my credit report. I am currently facing challenges due to the unfortunate death of a family member, which has impacted my ability to meet financial obligations on time. I am seeking a goodwill gesture from your company to remove the late dates and negative status associated with the following accounts : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$3600.00}. I understand the importance of maintaining a positive credit history, and I have been a responsible borrower in the past. However, the recent circumstances have created unexpected challenges for me.
Product: Money transfer, virtual currency, or money service

Google Support Inquiry : Case ID [ XXXX ] XXXX XXXX Google pay account was suspended a few days ago. And Google Pay team has already told me they will not do any further adjustment to fix my google pay account suspension. ( Please see attached email screenshot ). 

I have called my bank to help me get my debit card linked and it was successful. Even their customer service had been telling me my status was looking normal before I told the agent to double check on my account. I have no idea what is the cause of my Google Pay suspension. 

So, after being notified for such unpleasant result, I tried to reach out to google pay team, however, their customer service FAILED to give a confirmed reply to my questions, which are When will my remaining google pay balance to be transferred out to related state authority. 


Which specific state authority that I should contact to collect my funds. 

Andif possible, could I have refund back to my bank. 

For whatever the cause of Google Pay account suspension, I have the right to retrieve my money!