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

After receiving my long awaited XXXX funds I immediately withdrew {$1000.00} to give to my sons mother for back child support, she was present with me during the withdrawal, this was at XX/XX/2022 at XXXX. Over the course of the next 3 days 3 additional withdrawals took place at the same ATM for the maximum allowed withdrawal amount of {$1000.00} for a total of {$3000.00}. It was a complete fraudulent withdrawal and immediately filed a claim, it was promptly denied without any obvious investigation. I went and filed a police report and provided the police with the withdrawal times which are as follows : Fraudulent withdrawal # 1 : XX/XX/2022 at XXXX Fraudulent withdrawal # 2 : XX/XX/2022 at XXXX Fraudulent withdrawal # 3 : XX/XX/2022 at XXXX I attempted to have BofA reopen the fraud claim in which it was again and denied again. They obviously never even looked at the footage and from all the research I conducted it's a known tactic of BofA to blindly deny fraud claims as they've been flooded with thousands of claims, it doesn't mean it doesn't happen and that they aren't ultimately responsible. 

Upon filing the police report, the officer in charge of case revealed to me that 3 days prior they had pulled out a device out of the ATM that is used to collect bank card information and pin numbers and that they receive on average 2-3 claims a week involving this specific ATM. How is this not an obvious major problem and how is this not BofA 's direct fault? They had been made aware of the problem and still allowed the ATM to remain in use. I, like most people, have fallen on really hard times and it was all the money I had, it took me 3 months to get from XXXX alone and then like that it was taken over the course of 3 days without me even knowing what was happening. Now I'm told by the bank they're denying the claim for no good reason. I mean it leaves you absolutely hopeless, I can't explain the frustration and anger I've been through not to mention the additional hard times caused by it which finally led to an eviction from my apartment from not being able to pay rent. It's just been one bad thing followed by another. I'm hoping there is something you could please do to help because BofA is the epitome of a faceless corporation that can hide behind their wall of bureaucracy and lawyers. Please help! 

I'm also wondering if it's possible to obtain the security footage from the above withdrawal times from the local BofA branch? The police have submitted all the necessary paperwork to BofA but obviously they're taking their long long time to respond and provide requested footage. I have a police report. Any information in resolving this matter would be so unbelievably appreciated. Thank you so much for your time. 

PS I attached the file BofA gave me to get the above withdrawal times and the Police Report. 

Yours Truly, XXXX XXXX
Product: Checking or savings account

I expect as common good business practice that corporations such as this make situations right. THIS particular situation was not due to the neglect of financial planning ; yet due to neglect of system/billing corrections ... YET today it would also seem that the us bank app that CUSTOMERS depend on ; was " undergoing maintenance '' CONVENIENT ... YET I'm responsible for this XXXX up?? I think NOT!!! fix this problem started around the XXXX XXXX of XXXX. A charge was made and then pending, XXXX . saw and noticed it. then on the XXXX still listed in pending authorization status ; then noticed strangely that available balance increased, XXXX $ thought direct deposit hit account ; same time frame Tuesday this week. np ... used card went on thru out week ; Available balance last night Thursday XXXX-XXXX ... available np ... wake up today ; show negative! 260ish! $ wtfso called in to company ; spoke to " rep ''  indicated that looked like the XXXX $ hold/authorization was put on the account THEN taken off, THEN put back ON caused the account to go negative ... I stated w anger ... HOw is THAT possible?! SHE stated that she doesn't now HOW the " system '' allows transactions to go thru or not! I stated that it doesn't make sense! 2 days w available POSITIVE balance THEN Friday today NEGATIVE!!??? because of " SYSTEM ''!? no sense ... she didn't AND refuse to fix this, and stood behind it ... stating that would't fix this account ; even after it was something the SYSTEM did and not myself. IF I made it negative I would understand. SHE said the " SYSTEM '' did ... I asked her if that was accurate, SINCE I don't have any protections against my account for negative, MEANING if the account is NEGATIVE the CARD wouldn't go thru once the account WAS in negative ... she confirmed that ... SO how AND why won't U.S. BANK a million dollar company fix this NON customer ISSUE!!!! she wouldn't and refused ; I'm livid after numerous years of loyalty are now flushed down the toilet ; I WILL take this to attorney general and potential class action if necessary. USBANK, MAKE THIS RIGHT!!! this iSN '' T my error in charges ... OH I have pictures dates times of balance checking thru out week for verification and validation fyi ... ... feedback..XXXX
Product: Payday loan, title loan, or personal loan

I was loaned {$4900.00} between XX/XX/2017 and XX/XX/2017. I inquired about refinancing the loan or a settlement option. I submitted a claim about a week ago. I received a response back stated that i was loaned {$7200.00} on XX/XX/2017. That information is not accurate and i have the original contract for verification. I spoke with a supervisor at XXXX and she said she doesn't know where that information came from and to make sure that is was references the right company. I ended my conversion with her a call CFPB. The young lady advised to submit another complaint. 

The last complaint ID is XXXX
Product: Checking or savings account

Someone created an account in my name and added a phone number to it ; XXXX, and when i requested it be deleted they insisted I provide information ( SSN ) which seemed like they desperately needed it. Fishy They won't investigate.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, BELOW ARE THE LIST OF ALL FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX, XXXX Account number XXXX Closed Date opened XX/XX/XXXX XXXX
Product: Credit card

I was solicited by Chase to apply for for their new Slate card that offers very good terms o balance sheet. I read the reviews and it appeared to be a very solid card. I even scanned the terms and conditions. I applied for the card only to realize that they will not transfer balances on other Chase accounts or cards. This should be made very clear up front. I immediately closed the account and have tarnished my credit score because of it.
Product: Debt collection

They put debt on my credit. False debt, repeated phone calls. Account was opened under false allegations. I never ever attempted to make an account with collections
Product: Credit card

To whom it may concern, I am writing to express my deep disappointment and to file a complaint against TD bank with a handling of a fraud claim # XXXX XXXX I recently submitted regarding my credit card account. The matter involves a transaction dated XX/XX/XXXX and XXXX of XXXX totaling amount {$1300.00} and {$3.00} which I did not authorize and noticed bank in promptly matter as soon as I noticed what was going on in my account. Despite providing all necessary documentation and a detailed explanation, I have been informed that my claim has been denied. 

This decision is both surprising and disheartening, given the clear circumstances surrounding the transaction. As a standing customer of TD Bank, I have trusted this institution to protect my financial interests and uphold the highest standards of security and service. Unfortunately, this experience has severely shaken that trust. 

I provided the following evidence to support my claim : Police report, Letter from my job that I was working during those dates and that is impossible for me to be at those location where fraud occurred. 

Also, the large fraud is an XXXX transaction, fraud department never took their due diligent to even contact the detective or XXXX XXXX directly to investigate, since all XXXX products have a serial number and a way to track any XXXX device. I even called XXXX directly and they said once bank or detective reaches out to us with police report we will able toProvide further details and take further actions, even refunds transaction because this happens a lot but in order for them to help me due to consumer privacy, bank and police have to do it with them directly. TD fraud representative of my claim did not care to help or even call the detective or XXXX XXXX to solve this issue and do their fiduciary action to look out for me their client. 

Despite this, the denial of my fraud claim was communicated without a comprehensive explanation, leaving me with unanswered questions and unresolved concerns. This lack of transparency has only added to my frustration. 

I had called, gone to the bank several times asking for a review of this matter, including any evidence the team relied on to reach the denial decision. Furthermore, I was expected to be provided with detailed reasoning for this outcome. If there was a misunderstanding or insufficient evidence from my side, I am more than willing to provide additional information to support my case. This directly impacts my financial security and peace of mind. And I need help dealing with this situation with TD bank.
Product: Vehicle loan or lease

I made my monthly payment on XX/XX/2020 with Ford Motor Credit and my due date is not until the XXXX of each month. I am being told my payment will not be process until the XXXX and I will receive a 30 day late ( NEGATIVE ) report on my credit file!
Product: Debt collection

Called repeatedly, called my family, hit my credit report for a loan, which I did not apply, called the company, asked on XXXX calls to identify themselves, refused, researched company online and are known for this and was sued by the government and citizens, refused to stop calling when I'm at work, called before XXXX XXXX and after XXXX XXXX, have all call logs and witnesses from calls. Performant financial hit my XXXX credit report as a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found fraudulent account related to my SSN but with a different Name and Address.

> Credit Cards ( 4 cards not mine ) XXXX XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX CAPITAL ONE BANK USA NA Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX XXXX XXXX  XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX XXXX/XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX > Personal Loan : ( 1 account note mine ) XXXX XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX > Other Accounts : ( 3 accounts note mine ) XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX All accounts reported to my SSN shows as CLOSE or PAID, but they are damaging my Credit Score and Reporting.

Not under my name and need to get removed by Creditors.

Regards, XXXX 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 : # XXXXXXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX, 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.

U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting, credit repair services, or other personal consumer reports

I HAVE HAD SEVERAL LOANS WITH SUNBELT CREDIT IN  XXXX   XXXX  GEORGIA  XXXX  THE LAST COUPLE OF YEARS HOWEVER IT HAS NOT BEEN REPORTING ON MY CREDIT SINCE  XXXX  OF LAST YEAR IT SHOWS OPEN WITH A  XXXX  BALANCE AND WHEN I LOG INTO CREDIT SITES IT TELLS ME YOU HAVE AN ACCOUNT THAT HAS NOT BEEN UPDATED AND IS HURTING YOUR CREDIT I HAVE CALLED THE BRACK AND HOME OFFICE FOR MONTHS THEY SAY THEY ARE WORKING ON IT BUT ITS BEEN A YEAR.
Product: Checking or savings account

For the last 12 months or so, I have noticed theres clearly fraud happening with my account, charge I dont recognize, purchases, you name it. I have filed multiple claims and changed cards multiple times and even changed my checking account information. 

I DO NOT give my card to anyone, but in restaurants and the ocasional online purchases. Im 100 % sure I have been victim or fraud and someone is literally picking me to steal. 

The drop that spilled the milk was that theres was a {$21.00} and change charge coming in every month for 6 months that even caused overdrafts a couple of times. I didnt noticed, Im a busy single mom of XXXX that works her XXXX off to put food on their table. So when I noticed what was going on I called the Regions Bank and explained, we cancelled the card and they advised they filed the dispute. But I also called the company charging me and told them to stop and to give me my money back. They said theyll give me a refund for all charges, but they stated that the card needed to be updated for that to happened, so I naively followed their steps and updated my card on their system so they coul refund the money as it turns out the very next day I get another charge, then 2 days later they refunded 2 amounts of {$29.00} each. I didnt know where they got that amount from, but after I saw I printed the statements and realized they charged that amount once too. 

So I decided to call the bank and explain just to find out they denied the claim, then I called the company again and conferenced them in to each other, just to hear them say they never cancelled anything ... How if asking you to refund me, you didnt close whatever I didnt know it was open? Thats why supposedly I got charged after updating my card on their system. The bank lady filed another claim and the dude finally closed whatever was open. 

They said that if it wasnt me, how my email was in there? I literally said, I dont know, how is your information fitting in? I dont know either! 

But Im just tired of being robbed! 

Please help.
Product: Checking or savings account

On XX/XX/XXXX, I submitted a mobile check deposit. The check pertained to my tax refund from the IRS. 

That same day I received an email stating that " The check amount or payee has been altered ''. This is a criminal offense. The bank is claiming that I am engaging in fraud. 

I called that same day at XXXX to request more information. I was told that the notes from the transaction indicated that the information " didn't match their records ''. I asked the agent what records they were referring to and she said that it might be something from the IRS, to callback the next day to the fraud department to get more info. 

I called the next day, XX/XX/XXXX as requested. I was told by the agent that this was a personal decision made by leadership, and I couldn't have more information, and to cash the check else where or send it to them over mail. 

I insisted that 1. I wouldn't send it over mail since I had no proof that they would deposit it after everything that has happened. 2. That I deserved information about why they so freely claim that I am committing a federal offense. 

They continued to state that this was a " personal '' decision from leadership. 

This is unacceptable, and not how a financial institution should operate. 

I request that they disclose exactly why they are profiling me as a criminal, and to immediately resolve this matter.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX i received a letter from XXXX XXXX regarding the Settlement and Release Agreement submitted to TitleMax with the {$600.00} settlement payment and a new Settlement Agreement drafted by TitleMax representatives. I questioned the new agreement and specifically Clause 1 in which they were asking me to forfeit any current or future claims for compensation to which I declined as I was a party to the data breach and communicated that to XXXX. 
On XX/XX/XXXX after no response from TitleMax or it's representatives, I contacted XXXX the arbitration company and attempted to begin the arbitration/mediation process. I received a response from XXXX  administrative assistant XXXX XXXX on XX/XX/XXXX that I needed to contact TitleMax to begin the process. On XX/XX/XXXX I emailed XXXX XXXX and advised that I wanted Arbitration/Mediation and that TitleMax must begin the process as per XXXX XXXX with XXXX. No response was received. 

On XX/XX/XXXX I contacted XXXX XXXX again via email requesting arbitration and received no response. 
On XX/XX/XXXX I emailed TitleMax representatives XXXX XXXX, XXXX XXXX and XXXX XXXX stated that I still had not received my Title or a response from any representative of TitleMax or XXXX  regarding the Arbitration/Mediation request. 
As of today 's date XX/XX/XXXX I have still not received a response from TitleMax or any of it's representation and I have not received my title or a new Settlement and Release document with the afore mentioned amendments.
Product: Checking or savings account

On XX/XX/2020 I had fraudulent activity on my TCF Bank checking account that caused my account to be overdrawn by XXXX dollars. The activity was reported as fraud. I have called several times with customer service for them to tell me to go to a bank to get the fees waived. Ive explained to them numerous times Im in California and can not simply go to a branch. They refuse to give me my money back for overdraft fees that were not caused by me, but the activity that was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX You, XXXX XXXX XXXX XXXX, have violated my rights and provided false and misleading information and are guilty of racketeering and extorting me ( and most likely others ) for a debt that you can not prove that is mine! 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

15 U.S. Code 1602 ( g ) You took money from the Federal Reserve using my social security account and lied on the contract making it seem like I am the debtor when in fact I am the original creditor as the consumer.

15 U.S. Code 1692j- It is unlawful consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

15 U.S. Code 1666d - Treatment of credit balance - Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( C ) Make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months ( also the down payment ). except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

18 U.S. Code 8 - Obligation or other security of the United States. The security interest secured obligation of the vehicle. So there is no reason for a remaining credit balance.
Product: Debt collection

I called Equifax and spoke to representative XXXX her id # is XXXX regarding removing hars inquiries XXXX XXXX XXXXXXXX and XXXX XXXX. I didnt not authorize or had knowledge of these items on my credit report as well as collections XXXX XXXX and XXXX XXXX XXXX which had been removed from XXXX and XXXX XXXX Reports have been made previously and came back verified and remains and this is in violation of FCRA us code 1681B 1692 C and 1681 c and c-2. Numerous letters and complaints have been sent and no response or corporation has been given
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is reporting on all three credit companies. I do not check my credit often and was unaware of the negative reporting and damaged it has done to my account I am unable to obtain things in my name creating a reality of me XXXX in XXXX and debt i did not collect. I am requesting for the account to be removed in accordance of the law from all three companions