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

I have been charged multiple overdraft fees since XX/XX/XXXX. There have been 6 overdraft fees since then with only one reversed. 
Overdraft fee dates are as followed : XX/XX/XXXX - {$35.00} XXXX {$35.00} XXXX {$70.00} ( XXXX Fees ) XXXX Reversal from overdraft : I had called to get the 2 fees removed from XX/XX/XXXX and the individual i had spoken to had told me that i was eligible for both fees to be reversed and would take place after 5 business days. I only received 1 of the reversal. I was also told that if the charges were reversed then the overdraft fees would cancel out and i would not be penalized for them. I had also asked for the overdraft protection to be stopped so i would not have this issue again ( she failed to do so ) XXXX {$35.00} XXXX {$70.00} ( XXXX Fees ) On XX/XX/XXXX I made a phone call to Wells Fargo to try to get the 2 fees reversed. The lady i had spoken to said i was at my limit for reversals for the year and there was nothing she could do. I requested a supervisor or a manager because she had interrupted me multiple times and after asking " are you denying my request to speak with a supervisor or manager '' she said " yes ''.

Overall i have essentially had {$240.00} stolen from my account since XX/XX/XXXX even after meeting their qualifications to get the overdraft fees removed. I have deposited money in my account within the 24 hour grace period to prevent the fees and have had this happen multiple times.
Product: Checking or savings account

My employer 's payroll company required that my XXXX change from XXXX XXXX XXXX Optum Bank. I opened account and initiated a trustee to trustee transfer. Optum required identification verification. I missed the first email and then took too long getting info to them, they closed the account. Calls were made to find funds deposited into Optum account. XXXX deductions they received went back to XXXX XXXX and were included in my pay. Optum told me that transferred funds went back to account of origin. XXXX claims not to have received them. Optum claims not to have funds either. Last verified record of the money was check # XXXX for {$1600.00} from XXXX  to Optum sent XX/XX/2022. XXXX  sees that check was cashed on XX/XX/2022. The Optum account was closed on XX/XX/2022. No one admits to having record of that money since. I have made many phone calls over the last 7 months trying to find my savings and transfer it to my new, self-administered XXXX  with XXXX. I have hospital bills due and have not been able to access the money I saved. Please help! 
Sincerely, XXXX XXXX
Product: Mortgage

In XX/XX/2022, my mortgage with XXXX Bank was purchased by Truist. I received a letter explaining the purchase, providing my new loan information, and providing instructions for setting up my online account. I have tried at least XXXX or XXXX times to set up my account, to no avail. Based on several hours of conversations with several Truist employees in various departments, I have learned the following : XXXX Truist policy, in order to verify my identity, Truist must send a text message to my mobile phone. Before they will do that, they run my number in XXXX to ensure the phone is registered to me. My XXXX is XXXX XXXX XXXX and my phone is, of course, registered to me. Unfortunately, according to XXXX XXXX my phone is not registered to me. Therefore, Truist will not send me the text message to verify my identity. XXXX data is, by their own admission, imperfect. I have offered to provide a copy of my license, my passport, a copy of my phone bill, get on a video call, I even asked them to call my office ( XXXX Government ) and ask for me. No matter who I speak with at Truist, the conversation always ends with a " I'm sorry, there's nothing more we can do. '' They have " escalated '' my complaint twice, but those supervisors also end up apologizing with no offer of a resolution. I just made my second monthly payment by mailing a check, and can not see my account, view my principal balance, download my XXXX for taxes ; I am essentially locked out because they can not figure out how to verify my identity. I have gone to their corporate office and made a complaint, and also submitted a complaint to the XXXX. I am an educated consumer with excellent credit and have exhausted all reasonable alternatives to have my issue resolved. I am frustrated beyond belief and can only hope that a communication from the CFPB will be the stimulus Truist needs to resolve this complaint. I will also point out in my conversation with XXXX of the representatives at Truist, there are several others like me, former XXXX Bank clients with XXXX XXXX XXXX phones, who are in the same boat.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I discovered fraudulent accounts on my credit report, I contacted the proper authorities and submitted an identity thief affidavit. I urgently request the CFPB to help me resolve this matter as soon as possible.
Product: Credit card

I was in the hospital for a couple of months. I had a late fee and interest placed on my Target credit card. As soon as I was released and able to open my mail due to being very ill, I called the credit card company. I explained to them what had happened. They refused to waive the charges. I closed the account. I had no outstanding balance as I paid everything I owed except for the late fee and interest charges. They said they could not do anything since I had 2 other late fees that had been waived earlier in the year. I do not use or have any other credit cards and that was my fault as I did overlook the payments on accident. Now the fees on this card keep piling up and adding to only late fees. The credit card company refuses to removed these charges and this will have a huge impact on my credit score. The fees are due to not being home to get mail while i was in the hospital. 
Can you please help me with getting these late fees that are adding up removed. 
Thank you so much. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank XXXX Citi XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The account was opened online, Prior to creating an account with CITI, a XXXX year customer of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX and a XXXX  year client of XXXX  XXXX XXXX XXXX  XXXX Colorado XXXX, Ive opened several accounts online and have been able to access the funds ( deposits and withdraws ) as soon as I activate my debit card. I received the debit card and activated the account, and was able to make deposits, then the account was locked. According to the IVR my account is still associated with debit card ending in XXXX. With an understanding for banking rules and regs, ONCE the customer is verified by the IVR from a the secure ftp data base ( which should be updated at least every 12 to 24 hours ) the customer is no longer required to provide the agent with account information ( full bank account number, debit card number etc ) as the agent may not be bonded, working for a 3rd party, over seas ( off shore ) or in a correctional facility. The account number of the screen should read ( xxxx xxxx xxxx XXXX ) because the request was for a checking account with the product of only debit. If the account was a checking account with the products paper/electronic checks and debit the account number would read ( XXXX or the same as the card number ). Every time I call in too citi, the agent request the full debit card numbers, which has the possibility to enable a data breach, misuse of the account and other activities as related to the Rules and Regs resulting from XX/XX/11. If the account is linked to a corporate account or if the person whom can be assumed as traveling, if the account is disabled the person who needs access to their funds could be left without the ability to pay or the company could report inaccurate numbers as this would be a debit in the XXXX report. ( Company XXXX is down XXXX mil due to outstanding debits being XXXX & XXXX Cards, impacting their credit score. Company is issued a XXXX from an XXXX via XXXX XXXX Additionally, the checking account with only the debit product is an interest-bearing account, The opening deport was a total of a sum greater then {$2000.00} USD. According to the Customer Service Agents SPV ( which all questions were answered and I started receiving the One-Time Pass Code ) the account was a balance of {$5700.00} USD as of the close XX/XX/XXXX. And the account was locked via fraud. Upon speaking with the fraud department, i do not receive the One Time Pass Code from the agents and they have been disconnecting the call, although Ive requested to speak with a manager. 

I want you to communicate to the banks officers, I have no problem opening a class action law suite on bases of undue financial hardship, as no reasonable accommodation has been offered, communicated or met.
Product: Credit card or prepaid card

Currently hold a credit card with Capital One, have had this line of credit open for over 10 years and have never missed a payment and have paid the card off multiple times. Currently carrying under XXXX on the card and making regular monthly payments above the required amount. The scheduled payment was made to Capital One XX/XX/XXXX above the required amount. On XX/XX/XXXX Capital One automatically took XXXX payment out of our account without authorization. We had our auto pay canceled on XX/XX/XXXX and had made a payment in full on XX/XX/XXXX. Our Autopay had been canceled for months we never gave Capital One permission to automatically withdraw payments. Made a phone call XX/XX/XXXX when the issue was discovered spoke with a representative named XXXX. XXXX stated that even if we cancel our auto pay and make on time monthly payments Capital One has the right to continue to pull payments from our checking account at will. XXXX also stated that he could not and would not return the unauthorized amount back to our account. XXXX stated that we could file a complaint with Capital One and have someone reach out to us in 15 business days. The information given to us is not located anywhere in Capital Ones terms and conditions nor is it listed anywhere on their website when you cancel your autopay.
Product: Debt collection

I 'm writing to dispute, for the third time, Portfolio Recovery Debt Collectors. Had charged off credit card through XXXX owned first by XXXX then transferred to XXXX Bank and this still sits on all XXXX credit reporting agencies. Debt subsequently sold to debt collector, Portfolio Recovery Associates appears on all XXXX credit reporting agencies, as well. 

So debt was paid through settlement and was told shortly thereafter all items would be taken off of my credit reports - all XXXX agencies. 

THIS WAS TWO YEARS AGO AND STILL XXXX ITEMS ON ALL XXXX CREDIT AGENCY REPORTS. 

Received a letter XXXX XXXX, 2016 from debt collector wanting additional materials concerning the previous dispute attempt, of which Portfolio Recovery was forwarded all this information previously. 

Not only is this frustrating that after two years this debt collector has failed to do what originally was promised, but sending a letter stating they have n't received any materials, appears to be delaying their process, which I do n't understand. 

I 'm attaching all XXXX credit report sections listing XXXX AND Portfolio Recovery Systems and a copy of their letter.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX XXXX.I used XXXX XXXX  ATM to withdraw {$400.00} at XXXX. XXXX XXXX XXXX XXXX NJ XXXX ( They have the video but will not release it to me ) ATM didn't dispense the money but issued receipt. Immediately contacted XXXXXXXX XXXX. They called ATM operators ( XXXX ) XXXX XXXX XXXX, filed complaint XXXX. Then filed complaint with my bank XXXX. Both were denied. Then contacted XXXX directly. They said would contact via email. Never did. My bank manager XXXX XXXX says my claim was denied, however refused to provide a clear reason and referred me to XXXX. The investigation never obtained the video which clearly shows the incident.
Product: Checking or savings account

On the XX/XX/2023 I received a money for my business since im a XXXX XXXX XXXX XXXX. I receive a payment of XXXXXXXX XXXX from my customer. They put the account on hold until now. I cant do any movement on my account
Product: Credit reporting or other personal consumer reports

Improper credit reporting of accounts that I am not associated with
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Reinserted illegal Debt/ Dispute To whom it may concern ; I contacted Experian credit bureaus after reinserted debt was positioned upon my report. i.e. 

* XXXX  # XXXX I kindly asked Experian to follow the law and remove this debt. They failed to do so. 

in light of the FCRA 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) & ( iii ) ( l ) ( ll ). This debt was previously deleted under a different consumer agency i.e. XXXX, XXXX see : Exhibit A Further more, this credit bureau fail to send me any correspondence detailing, as the law requires, any facts pertaining to why this debt was being reinserted upon my credit report. They violated every law required. 

In closure, I humbly request that the XXXX account be removed/deleted effectively upon receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND NUMEROUS TIMES I HAVE REACHED OUT TO TRANS UNION TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.I DON ; T HAVE ANY INFORMATION ON THE FRAUDULENT ACCOUNT ACCEPT THAT ITS REPORTING ON MY CREDIT REPORT. I HAVE NO IDEA WHO MIGHT HAVE OPENED THIS FRAUDULENT ACCOUNT, OR HOW THEY GOT ALL MY INFORMATION. SOMEONE STOLE MY PERSONAL INFORMATION AND PRETENDED TO BE. THE CHARGES AND THE ACCOUNT IS FRAUDULENT.
Product: Debt collection

I have been receiving telephone calls from Credence debt collection agency, calling from XXXX XXXX XXXX ), two ( 2 ) to three ( 3 ) times a day, six ( 6 ) days a week for the last eleven months XXXX XX/XX/XXXX to XXXX 2021 ). 

They refuse to speak to me on my recorded line, hanging up when I answer and advise them they are speaking on a recorded line. Nor will they leave an explanatory phone message on my answering machine. 

This is exasperating for the simple reason I HAVE NO OUTSTANDING DEBT. Why is a debt collection firm calling a person who has no debts? Which I would gladly explain to them if they did not continually hang up on me. 

This is harassment of the worst kind.
Product: Credit reporting or other personal consumer reports

I have sent several written requests to Experian to remove erroneous accounts and information from my credit report. I have sent numerous letters over the last eight months, yet they have not removed the information and accounts, nor have they provided valid proof that the information is correctly reported. I have provided all information as instructed when I submitted my letters and I have given ample time for Experian to review my request and rectify the situation. At this point, they are refusing to process my requests and have failed to do their part in verifying all information that they are reporting. I have attached all of the letters I sent to them for your reference.
Product: Debt collection

I have had issues with debt collection attempts by several companies, Commonwealth being one of them. These issues always involve the same creditor, XXXX XXXX Hospital for small amounts of money. I do not owe XXXX XXXX Hospital any money. I have never owed XXXX XXXX Hospital any money. One or both of the computer systems keep reporting or re-reporting supposed past due amounts which have been collected or adjusted. Every collection entry is not a valid line item. 

I spend time montioring my accounts because these issues seem to arise quite often and out of nowhere.
Product: Credit card

I am filing this complaint regarding my {$3000.00} XXXX XXXX  credit card with chase. The issues Im having is that chase is in direct violation of their fiduciary obligations. Per the securities exchange act of 1934 and per the indentured agreement that chase has signed. Section 5.01a clearly states that chase has an obligation to discharge all notes. Chase is in direct violate because the debt has not been discharged on my end and they are still charging me even though the debt has been discharged. 
Section 3.07 clearly states that interest payable on any registered note will be paid to the person whose name that note. I have not received principal or interest payments from chase in fact I have been paying them even though I am the beneficiary and the debt has been discharged This indentured agreement also states how chase has been transferring temporary restricted notes on a secondary market which is illegal. It is chase fiduciary obligation to with hold this indentured agreement. Below I have attached proof
Product: Vehicle loan or lease

The company would not provide me with a invoice as requested and there was 2 different balances from the online website to wait they where telling me I had ro pay. XXXX XXXX XXXX XXXX in XXXX MD XXXX XXXX. I was on orders with the military 2 different times and I only asked for one year of 6 percent interest and they said I didn't qualify. I proved that it was but they said I still didn't. I spoke to manager but no one from the XXXX department. This has happened to me 2 but now it's affecting my credit and I have a clearance I need this to be looked into ASAP so it won't keep happening to XXXX that have challenged credit and want get a car and these companies take advantage of us. We give up our time and lives only to be taken advantage of by thw same people that we are trying to protect but who and when are we going to get protected
Product: Debt collection

I have identity theft my house was broken into when I was just married they stole my SSC my old is and birth certificate. I filed a police report I am a victim of identity theft and discover is one of the accounts that is NOT mine and but taking off my credit report with an official police report and case number that is against the law. They are supposed to remove with in 30 days im contacted them many times with copys of police report and all
Product: Debt collection

I had my wages garnished for a credit card debt that was bought by XXXX. The total amount was sent to my employer and was completed in XXXX of XXXX. I have now received communication from this debt collector for additional court costs. Now they are threatening to garnish my wages again which could end up costing me my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially my credit file had been split a lot of the things that were on my credit report I was unable to view. I had to send in a letter requesting my credit report to be merged. For a few months I had been filing disputes for items that were on my credit report which did not belong to me. Its been a long process, finally started to see items being. I been trying to access the website for a few weeks and been unable to because the system keep asking me about which company I have a mortgage with, i select none even though some of the creditors listed I actually have a credit account with but i donot have a mortgage, I am a renter, so it denies access to my credit report every single time. On XX/XX/XXXX evening i was able to start an investigation on some of the items that I had been readied to my credit report and when i got to the end to hit submit the system gave a system error and I had to attempt to access the report again and then it denied access again. I had also sent in a written dispute on XX/XX/XXXX by certified mail which shows it was picked up and signed for but i have yet to receive an email from Equifax acknowledging the receipt as it had been done in the past.
Product: Credit card

Paid using Home Depot Citibank credit card {$25.00} on time. Charged late fee incorrectly to double amount of {$56.00}. Did pay bill but requesting full refund of {$56.00} for this outrage. Have since closed card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report recently. I did not consent to authorize nor benefit from these accounts.
Product: Prepaid card

My problem is with cash app and it says an unexpected error has occurred every single time I try to get a cash card or buy stocks and XXXX and I have created MULTIPLE cash accounts with different emails and numbers and only to be reliant on a plan about getting a prepaid card somehow and being let down time and time again! I have talked to cash app support, verified my identity in every which way possible as necessary, tried to open new accounts as well as asked about possibly closing any old or stolen accounts and cards I've had through cash app. Nothing works, please help me. The companies involved are as follows in no order. " Cash app '', XXXX Square '', " Block 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX Balance : {$370.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX Balance XXXX {$25.00} XXXX  XXXX Balance : {$190.00} XXXX  XXXX Balance : {$280.00} XXXX  XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$55.00} XXXX XXXX XXXXXXXX Balance : {$10.00XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX XXXXXXXX Balance : {$5.00} ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX T XXXX XXXX Balance : {$330.00} XXXX
Product: Debt collection

I sent you guys a letter on XX/XX/2022 and still haven't heard anything back. You guys are reporting inaccurate information to my credit report, don't you have XXXX  days to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed the accuracy and completeness of information reported by Equifax in regards to a bankruptcy showing on my credit report. I made it clear to them that I am disputing the accuracy of the information provided to them by a third party information furnisher. I specifically stated and provided evidence showing that the name and address provided by the information furnisher does not match my name or address, but yet they continue to report this inaccurate information. In accordance with section 609 of the FCRA I demand that this inaccurate information be deleted from my report.