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

I have just recently joined TD Bank at the beginning of this year. When I had joined they banker had signed me up for TDBank Debit card coverage. This will allow debit card purchases to be put through on my account if there is not sufficient funds to cover the transaction. During this time I have had some extreme financial hardships I have lost my job, had to help support my mother who was going through a severe separation, and also was helping a family member deal with a XXXX XXXX. During those times my accounts had become lower then usual. I would sometimes have checks bounce, or charges as little as {$1.00} dollar come into my account and cause {$35.00} worth of fees. Over the course of less then 1 year since I have had this account opened I was charged over {$2000.00} worth of overdraft fees. This is only making my situation harder. There have even been times where a {$200.00} charge was returned unpaid and I was subsequently charged more then {$200.00} worth of fees. I have called TD numerous times and they have refunded me a couple hundred dollars worth of the fees but no where near the amount that I have been hit with. I am writing to you to see if there is anything that you can do to help me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Money transfer, virtual currency, or money service

I am with to formally express my concerns regarding Zelle handling my dispute, specifically in light of the lawsuit highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies my financial institution, and Zelle failed to investigate my claims. they informed me the recovering lost funds was impossible and tracking the transactions with unfeasible.the CFPB findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving consumers vulnerable to the scam. This lack of accountability and transparency is unacceptable and raised a serious concerns.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> To : Experian Address : XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Correction of Credit Report Violations of U.S. Laws Dear Experian Representatives, My name is XXXX XXXX XXXX, and I am writing to formally request a correction to my credit report. Specifically, I am disputing a late payment record that appears inaccurately on my report. This error constitutes a violation of several provisions under U.S. law regarding the accuracy and protection of consumer information. 

The following legal provisions support my request and highlight the importance of accurate and secure reporting practices : 15 U.S. Code 6801 Protection of Personal Information 15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information 15 U.S. Code 6803 Disclosure of Privacy Policies 15 U.S. Code 1681e ( b ) Accuracy of Credit Reports 15 U.S. Code 1666b Timely Posting of Payments 15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Credit Reports 18 U.S. Code 1028A Aggravated Identity Theft Pursuant to these laws, I respectfully request a thorough investigation into this late payment record. If it can not be verified as accurate, I ask that it be removed from my credit report immediately. 

For your convenience, here are my contact details : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX I have attached supporting documentation to assist with your investigation. I kindly ask that you respond in writing with the results of your investigation within the time required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a problem retrieving my funds from cash app. I BELIEVE THIS COMPANY is involved in scamming. Please help me. I SENT a friend {$1200.00} from my cash app and they did not receiveit, cash appsupport saying they did. I did not receive any helpfrom them to get mymoney back.
Product: Credit card or prepaid card

U.s. ReliaCard wanted an ID verification 6 days ago I sent it I updated my address online they said that I can't do that and that's why it tripped the fraud alert so I put the address back to the old address and then resent the ID verification they said I needed to reactivate the card They said this three days in a row that I lock the card three days in a row my pay is still on the card and they will not let me have it they will not let me use it they will not transfer it and when I asked them to speak to the supervisor they said that I would get a call back in 24 to 48 hours that's the best they can do there holding my funds with no resolution or help.
Product: Checking or savings account

I filed a complaint about a week ago but I didnt receive a confirmation so I dont know if I filed it incorrectly but just Incase Im going to submit it again but on XX/XX/18 I received an email saying that my XXXX  report had been pulled for a hard inquiry for my mothers account. I never gave permission to my bank to pull my credit and it makes no sense as to why they would pull mine because Im already a member and already had my credit pulled for my account. The lady from bank told me she also does not understand why they pulled a hard inquiry on me either because I got a hard inquiry pulled for my account earlier in the year. She told me to dispute it with the credit bureau. I know this is all a misunderstanding but my credit dropped 7 points and I got another hard inquiry and I only have two on my report and both are from same company! I was working so hard to get my credit to where it is now because I have been eyeing a card from chase for years which Im just now possibly capable of being accepted for but this hard inquiry and credit drop really change that possibility for me. Please help me
Product: Checking or savings account

Applied to a apartment. Apartment told me I didnt qualify, they would refund me the admin fee. Filed a dispute with BOA. XX/XX/XXXX BOA ask for evidence and proof of the merchant stating they would refund me. I send over the information. BOA is refusing to credit my account while they investigate! Claims, because the amount is XXXX dollars they cant credit the account. However, a coworker has disputed charges with BOA with amounts over XXXX and was still able to have the funds credited to their account while the investigation happened. Its been over 30 days. They are not trying to do anything to fix the situation as it is now going on 40 days.. They are waiting to base a decision off what the merchant says despite me providing them with all the emails and proof they asked for!! It should not take as long as its taking if I provided every piece of evidence and proof I have!
Product: Debt collection

Dear First Financial Resources of XXXX XXXX XXXX XXXX XXXXXXXX, I am writing to dispute and demand the removal of an alleged debt from my credit report, which I believe to be fraudulent and illegal. I have no knowledge of this account and have never entered into any contractual agreements with your company or the original creditor. 

Your reporting of this account is not only inaccurate but also violates multiple regulations, including XXXX, FCRA, and FDCPA laws. Specifically, you are breaching XXXX privacy regulations under 45 CFR 164.502 ( a ), which prohibits unauthorized disclosures of protected health information ( PHI ). Furthermore, you are infringing upon 45 CFR 164.514 ( b ), which mandates that identifiable health information must not be disclosed without proper consent.

Additionally, your actions contravene the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under 15 U.S.C. 1681e ( b ), you are required to ensure that all information reported to credit agencies is accurate. The FDCPA sections being violated include : 15 U.S.C. 1692d : Prohibits harassment or abuse in debt collection efforts.

15 U.S.C. 1692e : Prohibits the use of false, deceptive, or misleading representations.

15 U.S.C. 1692g ( b ) : Requires that you provide proper disclosure of my rights.

15 U.S.C. 1692f : Prohibits the use of unfair or unconscionable means to collect a debt.

To rectify this situation, I demand the following : Proof of your authorization to collect this debt under 15 U.S.C. 1692 ( e ) and 15 U.S.C. 1692 ( f ).

The legal basis for your claim of this debt. 
Evidence of your authorization to operate in my state. 
Documentation of the alleged debt, including contracts or agreements with my signature. 
A complete account history, including all charges related to collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported a balance that is incorrect. A charged posted to my account from a card that was closed due to fraud and disputed. I spoke to several managers stating that this is being handled by the security team and would not report the amount affected by dispute to the credit bureau. I explained I was in the process of closing in a house and the last representative I spoke with assured me the credit limit would display in dispute and would report the amount. This card was closed and the merchance XXXX was disputed and new charges should not have been posted and affecting a negative impact on my credit limit or credit report. I called 4x about this issue and keep being told the security team will handle it and there was a note stating that I would be receiving credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This past year I had to claim bankruptcy so I went on Credit Karma to see what secured credit cards they suggested. I got a card with XXXX XXXXXX/XX/XXXX by giving them a XXXX dollar security and a XXXX fee. As soon as I received my card I registered it on line and immediately paid the XXXX fee. That was on XXXX XXXX. Than I started using the card and sent in an additional 2 payments. There was a first payment due date of XXXX XXXX for XXXX and I made a total of 3 payments before that date, trying to raise my credit score. The 1st payment was on XXXX XXXX to pay the fee, than I used the card for purchases and made another payment for XXXX on XXXX XXXX, and then used the card again and made a 3rd payment of XXXX on XXXX XXXX. After that payment I was not going to use for awhile until I could see if it was raising my score. When I went on Credit Karma I seen my score DROPPED 103 POINTS! I was so upset I logged on to XXXX XXXX XX/XX/XXXX to see what was going on and they charged me a XXXX late fee. I called them all upset wanting an explanation and they said they will remove the fee but could only do it once. I got upset and told them I was more worried about my credit score and wanted it fixed. They said no, that their information was right so I filed a claim with the XX/XX/XXXXand they ( XXXX XXXX ) referred me to you. I have my bank statements to prove XXXX XXXX is lying and taking advantage of people I low places that are trying to get their lives together and start over. XXXX XXXX XX/XX/XXXX is in the the business of making money off of low income people. I also believe that credit Karma is responsible also, and should also be held accountable.
Product: Checking or savings account

In XX/XX/XXXX, I wrote a check of {$500.00} to XXXX XXXX XXXX for his service in my bathrooms. 
He deposited the check the same day to his account in Wells Fargo bank and my bank account had a withdraw of that check in XX/XX/XXXX. XXXX XXXX received a notice that an insufficient fund from Wells Fargo bank and it won't be available until XX/XX/XXXX. Even though we Wells Fargo banks was contacted for several times and did not explain to us why there was such a delay. 
This morning, XX/XX/, XXXX XXXX and I went to a branch near me and spoke to XXXX XXXX XXXX of XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX CA XXXX. He rudely dismissed us and restated that the money would be available only in XX/XX/XXXX  which is 13 days after the deposit and the withdraw from my bank account. My bank is XXXX XXXX  and the branch I used is at XXXX XXXX, XXXX, CA XXXX. XXXX XXXX. XXXX XXXX stated the withdraw was successful. 
XXXX XXXX was upset by the statement from Wells Fargo bank that this check had insufficient fund. And the false statement from Wells Fargo regarding to " insufficient fund '' tarnished our company 's reputation. 

In the mean time, Wells Fargo seems to have no delay on depositori and receivers with no XXXX or XXXX names. My in-laws with last name XXXX deposited a {$4500.00} check in her Wells Fargo bank XXXX XX/XX/XXXX was treated differently.
Product: Debt collection

I am writing to formally complain about an ongoing issue I am facing with Credit Collections Service, a collections agency, and XXXX and XXXX, two of the major credit reporting agencies. I have been diligently trying to resolve this matter, but have encountered significant difficulties, and I hope the Consumer Financial Protection Bureau can assist in resolving this issue. 

On XX/XX/2023, I made a payment directly to XXXX ( instead of the collections agency ) for an outstanding balance, as confirmed by my bank statement and receipt. This payment was intended to settle the debt in question with the company itself, not the collection agency. I have retained all relevant payment records as proof of this transaction. XXXX  assured me this would be removed from hands, and it has not. 

Despite making this payment and having the necessary documentation, I was shocked to discover that XXXX XXXX continues to report this debt on my XXXX credit report. This has adversely affected my credit score and financial standing, making it difficult for me to access financial products and services. 

I want to emphasize that I have taken the necessary steps to dispute this inaccurate information with XXXX and XXXX. I submitted a dispute through the XXXX and XXXX website, attaching all relevant documents, including proof of payment and a letter explaining the situation. However, I have not received any resolution or acknowledgment of my dispute from XXXX and XXXX, they both keep verifying the debt. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter and intervenes on my behalf to ensure the accurate reporting of my credit information. I believe that the continued reporting of this debt is in direct violation of my consumer rights under the Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter and your assistance in resolving this dispute.
Product: Mortgage

In XXXX of this year I attempted to refinance with AMERISAVE MORTGAGE and dealt with a representative who over the phone assured me there would be no problem with my refi due to my good credit etc. He requested a few documents and informed me that if I could not produce those that I would be able to use something else. Over the course of the next two weeks I prepared my documents and sent him some, but I had questions about others. I emailed him, texted him, and left phone messages, and did not hear back. Then I received an email that I was denied and now Im out the initial fee of {$500.00}. 
My c.c. Company attempted to recoup the money to no avail. Whatever information you can provide me will be greatly appreciated. 
Thank you XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX opened on XX/XX/XXXX {$850.00}, has violated my rights. 


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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XX/XX/year> sent {$1000.00} to a friend. Payment did not go through and it stated failed two occasions and payment declined on another occasions. At XXXX pt the transaction amount of {$2000.00} cleared from my account while speaking with XXXX XXXX department along with being advised to go to the bank and withdraw the cash of {$1000.00}. I disputed this transaction for 1 month with Wells Fargo with no positive results. I spoke with 3 supervisors and 2 representatives. Everyone had different informations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  services a loan on property I own located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXLoan number XXXX. On Saturday XX/XX/2024 at XXXX PDT I made a phone payment on said property. The prompt voice said if this payment was made on a weekend or holiday it would be posted the next business day. I was given a confirmation number of XXXX. The amount was XXXX. On or about XX/XX/XXXX I began receiving notice from the various credit bureaus that I had missed a mortgage payment. Further investigation revealed that XXXXXXXX XXXX had reported the negative entry as a missed payment. As a result of this reporting my XXXX score dropped XXXX points. I contacted XXXX to try and explain what had happened. I was told to send an e mail to XXXX and provide proof the check cleared on Monday. I did that and provided the actual bank record. I had to contact XXXX for an update and was told that even though I had made the payment the check had not cleared until Monday and they would not reverse their decision regarding the credit reporting and would not reverse same. I had made the payment with the 30 day window and had no control as to when XXXX cleared the check. I request the missed payment credit entry be removed.
Product: Bank account or service

TCF Bank charged my account an overdraft fee totaling {$180.00} dollars. How can they charge an overdraft fee for each small purchase around {$5.00}. Is it not more reasonable to charge an overdraft fee to your account at midnight if you account is overdraft rather than charging {$35.00} on every small transaction that happened in the day. 
While it is a good idea to keep track of your current balance, TCF does not have a customer friendly services online and on their app. For instance, their website is so confusing and asks for multiple secret questions everytime I try to log on. 

I have checking accounts with other banks and when I go overdraft in the day, they send a notification to my email, and regardless of how many transactions I charge to my card they do n't charge the overdraft fee of {$35.00} to my account if I make sure I deposit cash into my checking account before the daily deadline around XXXX. 

I have to say that TCF Bank representatives were totally eager and indifferent about charging their customer {$84.00} dollars for going overdraft by {$10.00}. I was dismayed by their customer service and how they treat their customers with contempt. I have since closed my checking account with TCF Bank.
Product: Debt collection

Transworld system wants tonvolletc a debt owed to a medical.company in the amount of XXXX they discussed my medical procedure which I'm not sure how they knew about it because I dont owe transworld. I never had a medical procedure with them
Product: Checking or savings account

Robinhood financial company I invested stock And also had my savings account. 
My account was hacked when XXXX XXXX breach happened in XXXX. Hacker stole my information SSI, email address and password and changed My email address and passwords also personal information to take all money from my account. 
They took all money in Debit cards. I gave proof From my bank that I never had any debit card on The file also give them police report. 
They have insurance to cover up to {$250000.00} That company is telling but not willing to give me my money that hacker took. I am retired and still Paying for my Daughter student loan. If you help me any. 
Really appreciate if you help me.
Product: Debt collection

Mon. XX/XX/XXXX @ XXXX XXXX Received phone call from guy claiming to be an investigator named XXXX XXXX stating I owe money for a payday loan. I informed him that I do not owe a payday lender and asked him to email me proof of loan or some document to show that I owe. He finally emailed a threatening document stating I owe but not mentioning to whom I owe. I informed him that I am disputing any loan he shows I owe. He stated he would call my place of employment daily until I pay the money. 
Tues XX/XX/XXXX He has been constantly calling my place of employment today with back to back calls. He uses profanity and threats to anyone that answers the phone. The number he called from is XXXX / emailed from XXXXXXXXXXXX
Product: Student loan

MOHELA took an auto payment, and over paid a loan by {$220.00}. This occurred months ago. I requested that MOHELA move the overpayment to an active loan. I have been told, by MOHELA, to wait 37 days, then XXXX days, then XXXX days, then another XXXX days. This request still has not been completed, and interest is accruing to my account on their behalf. I sit on the phone for hours, just to talk to someone new who is clueless and no help.
Product: Checking or savings account

I have been trying since XX/XX/XXXX & XXXX, 2023 to transfer money out of my account. Each time it has been reversed after having been assured the money would go through after being on the phone for hours. I have spoken to at least 7 different persons regarding this matter with one supervisor who hung up on me.