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

Banking errors due to branch teller and credit card department verification resulted in overdraft of over {$4100.00} to my checking account. 

On XX/XX/XXXX, I visited the local branch on XXXX XXXX XXXX in XXXX, FL to see about depositing a BOA credit card 0 interest promotional check that I received from BOA in the mail. I talked to the teller and explained I want to deposit the check for {$5000.00}, which I had in availability from my BOA Credit card. The teller contacted credit card services to verify the amount and check and said yes you can however regular interest applies. She then issued the deposit for XX/XX/XXXX availability. On XX/XX/XXXX, without any notifications or phone calls, I noticed my account overdraft - {$4100.00}. I contacted BOA, who for 1 hour 40 minutes gave me the run around and didn't help me. They explained an error in which the check goes to cash advance in which I only have {$3000.00} available. I explained this wasn't the case and teller verified, however they said no, it doesnt come out of regular balance, only cash advance. I then said please help resolve this and no one at BOA did their diligence to help me. I was transferred to card src, who explained a cash limit can be req. I did this, only for the rep to say after, it will take 5 days for a response. Why didnt she tell me this before the req? I needed this done now to fix the overdraft issue. Now fees will pile up for days, even though bank manager on phone said they would remove the fees. I don't trust BOA now and I doubt they will stick to their word by clearing all these fees, even though this was total miscommunication on BOA 's end and 100 % not my fault. Once this is dealt with, I will close all BOA accounts and never do business with them again. The lack of customer service, communication and the fact they left a 20 plus year customer like me hanging for this issue with no care at all. Just to tell me to wait. BOA did nothing to help me for almost 2 hours tonight. Worst customer service ever imaginable and now I'm stuck with a negative balance with no access to account funds. Put yourself in my shoes and see how this feels.
Product: Checking or savings account

PNC bank put me in a fee generating account two years ago without my knowledge and has been charging me {$13.00} a month for the last two years. I believe it all started when I visited a branch and one of the tellers tried to up-sell me into an interest checking account. I told her that I wasn't interested because I don't keep enough of a balance to cover the minimum they were demanding. The teller must of done it anyways because I just noticed that I have been getting charged {$13.00} for nearly two years. I didn't realize they were charging me because I don't look at my statements often enough, because this is NOT my primary use account it's only a backup account for me. I immediately called them to complain after realizing this and they were accusing me of being negligent. I provided them statements showing that before the fees were bing applied, my account was a free checking account and I asked them to provide me the evidence that I chose to convert it to this new fee account. They refused to discuss the issue and told me to just close the account if I wasn't happy. I believe that the teller from my visit may have converted my account to meet a quota and never expected me to find out because I don't check the account often enough. All my attempts to reach their corporate office were met with them refusing to admit their mistake and greed attempt to capitalize from my account. I am left with only this option and I hope that it gets somewhere.
Product: Credit reporting or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of this account thats reported in my credit report. 

You responded by saying that Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. 

" XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. " On XX/XX/2023 ( please listen to recording XXXX company ) I was told by XXXX of your representatives XXXX in XXXX department and XXXX in XXXX Department XXXX XXXX why I have not received anything in writing showing validation of documentation with signature and date signed both reps who clearly stated to me that Equifax would only use computer system to verify information and they DO NOT speak with creditor or collection company to validate anything in writing. 

So, I find it funny that you claim to verify all the accounts I disputed listed below when again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A ) and Section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ). 

XXXX. CC BANK/OPPLOAN ( Please block this fraudulent information per sections XXXX, XXXX ( f ) and XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent account be deleted and blocked from my credit file. 

XXXX. BANKRUPTCY ( XXXX could not verify so how is it your verified ) XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX Your company is in violation of XXXX XXXX. XXXX. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documentation. 

I am requesting validation from you pursuant to the Fair Debt Collection Practices FCRA XXXX ( XXXX U.S.C. XXXX ) ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I want verification on all accounts listed showing documentation you claim to have. I want a response within 15 days of receipt of this dispute. I expected and updated report to be sent to me.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, as they are hurting my ability to obtain credit.
Product: Checking or savings account

My account at Wells Fargo had been hacked by the name of XXXX XXXX XXXX this has happened twice for a total of {$1000.00} using my account as a phone payment to XXXX XXXX 

I want this name published.
Product: Checking or savings account

My father died on XX/XX/2021 in XXXX XXXX, Florida. On XX/XX/2021, I went to the Chase Bank branch where his checking account was held at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I presented the death certificate and requested closure of the account. I am the beneficiary upon death and the bank did have that information on record. The agent assisting me urged me to go into the account and make sure all auto-pays were stopped before closing the account. I did that and returned the next day to request closure of the account. Because this bank account is where his monthly social security payments of approximately {$1400.00} were deposited, the agent informed me that the account would be on hold until Social Security confirmed that the last payment, which arrived XX/XX/XXXX, is valid. She explained that social security has 120 days to reclaim these funds, but I could request a letter from social security that would allow them to close the account. The account currently has more than {$16000.00} on deposit. When I log into the checking account, it looks as if the account is overdrawn by $ XXXX, so of course all funds are frozen. 

It is now XX/XX/XXXX, and after repeated ( 5 ) calls to social security, both local and national offices, they have consistently told me that they do not have a policy of issuing letters to financial institutions. They have consistently told me that it is up to Chase to send the funds in question back to Social Security if there is any question about the validity of the last payment. There is no order of reclamation on file with social security. I have called Chase bank branches both in my local area ( XXXX, MD ) and the originating branch and have not received resolution. There is no justification for this delay without explanation. 

It is unjust that Chase bank is holding my funds in excess of {$14000.00} ( excluding the social security payment in question ) for nearly 30 days. I would like to see resolution of this matter immediately so that I may pay my father 's funeral expenses.
Product: Credit card or prepaid card

I HAD AN ACCOUNT OPEN AND CLOSED IN XXXX OF XXXX AND I CALLED IN TO REQUEST THE STATEMENT OF THIS ACCOUNT FOR THE MONTH OF XX/XX/ AS I AM DOING A MINOR AUDIT OF MY ALL MY CURRENT AND PREVIOUS ACCOUNTS AND WAS TOLD THEY DONT HAVE ACCESS TO THIS BECAUSE MY ACCOUNT WAS CLOSED AND ALL THEY WILL SEND ME IS A PAY OFF LETTER HOW CAN I FULLY DO AN AUDIT IF THEY REFUSE TO SEND ME MY RECORDS. WHEN CLEARLY IM WITH IN THE 7 YEAR PERIOD.
Product: Credit card or prepaid card

Hello my name is XXXX XXXX I opened an American Express card back in XXXX of XXXX with a starting balance of {$6000.00}. In XXXX of XXXX my credit limit increased to {$12000.00}. When I called in to add a AU American Express offered me the gold card on XX/XX/XXXX. I added my brother and sister to my gold card when American Express opened the gold card. I was using the card and every time I used the card, American Express would block it. By them blocking the card that resulted in me paying the balance on the card every time we used it. American Express still blocked the card. On XX/XX/XXXX I received a email from XXXX XXXX, phone number XXXX Extension : XXXX, asking for form 4506-C. Me and my family submitted it over right away. 
Me and my family income is over {$90000.00}. They emailed me back and told me they just wanted my tax transcripts, which I sent it right over. I received an email from American Express stating they were closing my accounts, both of them. No explanation as of why they were closing them. I stocks and brokerage accounts, I just started a new business in XXXX and I make well over {$60000.00} and not once did they ask to review my bank statements or anything but as I go online and read the reviews I see where other American Express customers were able to submit it their bank records instead of their tax records for the financial reviews and had their accounts reopen. I feel like this whole situation is absurd and I feel like Im being discriminated. How is it that Im not able to prove that Im financially responsible for these cards by showing bank records but other people are? I have never been late on any of my cards, they have never been over the limit and with the new card the balance was paid every time I spent something, so how was subjected to a financial review? Then to have my cards closed with no explanation is crazy!!!
Product: Debt collection

I signed a lease and moved out in XXXX of 2020. I left a forwarding address with the front desk on a sticky note ( per their request ) but it was never placed in the system. Fast forward to today, I have a negative remark on my credit in the amount of $ XXXX and now receiving calls daily after inquiring about the debt. When I called the apartment complex, they refuse to assist with removing this debt from their credit agency and getting this remark removed from my credit. I do not mind paying what I owe, but I do not think it is fair to have this mark on my credit when they did not contact me about the debt. For what its worth, when I called in, the front desk did not ask me anything to pull my file. They were able to do so with my phone number which they had in their file and could have contacted me before sending this to collections. When I spoke with the collection agency, they refuse to work with me to get this removed from my credit or even offer some type of settlement. This is my only collection debt on my credit and I would like to get this removed. I've had this issue with this apartment complex and credit agency before and still decided to stay with them and I thoroughly regret it.
Product: Consumer Loan

I am filing this complaint because the unlawful terms of this car loan with Santander consumer usa. I requested that this account be re-age and all fees and charges that were added to the account and the demand that I pay the amount of {$2400.00} be removed. Any fees and adjustments were never added to the principal balance and should have been due at the end of the loan. Secondly the interest rate that I was given did not place me in a position to pay off the loan sooner. I requested a reduced payment and interest rate but was denied. This car is upside down. It is only worth {$7000.00} for this vehicle, but I still owe approximately {$24000.00}. Please investigate this company.
Product: Checking or savings account

In XXXX of 2022 I turned XXXX, so my mother and I went to TD Bank in XXXX XXXX XXXX to remove her off of my account. We filled out all of the paperwork and thought we were all set. Later this year on XX/XX/XXXX, there was {$320.00} taken out of my checking account and sent to my mothers because she overdrafted hers. The woman we spoke to said that the woman we worked with in XXXX had since been terminated for not doing her job corrrectly. We then refilled out all of the paperwork to get her off of my account. They also told us there was nothing they could do to get my money back. We let it slide because they said they had an incompetent worker. Now, three months later on the morning of XX/XX/XXXX, there was {$230.00} taken out of my account and sent to my mothers again because she had overdrawn her account. Me and my sister, sick of this happening repeatedly, went to the XXXX XXXX and spoke to someone about why this was happening. She stated that it was because my mother was on my account. We told her that my mother and I had filled out the paperwork to get her off multiple times now and that I expect my money back. We then spoke to the lady who did my mother and I 's paperwork for this back in XXXX and she pulled it onto her computer and said that the paperwork had bounced back and had no idea why, she did some digging and said it was because she put my checking account and savings account on the same paper and that wasn't allowed. So, for the second time this bank messed up this paperwork and cost me over {$500.00}. This lady told us she specifically couldnt do anything about getting my money back and told us to call customer service. We went home and called and spoke to many people for many hours. They all agreed that this is absolutely ridiculous and stated that what they have done could be considered fraudulent. They sent an email to the branch managers and all supervisors and said to go back to the bank and they would get me my money back and that there would be an investigation. We went back to the bank and she said that everything the bank did they had a right to do and that I would not get my money back. She also said that the lady who helped us in XXXX knew that it had bounced back and tried to contact me and my mother via phonecall. My mother and I never got any calls nor ever had any voicemails regarding anything to do with our bank accounts. But again my sister and I were litterally standing right there when the woman from XXXX pulled my account up and said she had no idea why the paperwork was sent back. So, after XXXX XXXX hours of phonecalls, lying, and just straight up rude and disrespectful managers with XXXX XXXX TD Bank. I am now out {$560.00} and have moved all of my remaining money to a completely new bank. I have never had an issue with TD up until this year and this is just absolutely ridiculous.
Product: Debt collection

I received a letter dated XX/XX/2021 regarding an alleged debt in the amount of {$2000.00}. I do not believe that I owe this, and I dispute it. 
In accordance with the Fair Debt Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p ), I am asking for, and you are required to provide me with the following information : a ) Why do I owe the money? 
b ) How this amount has been calculated in a way I can understand. 
c ) Copies of the papers where I agreed to pay what you say I owe. 
d ) A copy of the judgment, if applicable. 
e ) Name of the original creditor. 
f ) Demonstrate that you are licensed in my state, and provide this license number to me.
Product: Debt collection

Pressler and Pressler has sued for a debt I do not know about. They are now garnishing my pay. The court papers that were issued to my employer showed the wrong address listed. Please help me. I do not know what deb is owed and when the debt originated from.
Product: Credit reporting, credit repair services, or other personal consumer reports

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 3. The followng information is incorect XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 4. there is some inaccurate information reporting. XXXX XXXX  Account XXXX : XXXX Please Delete this account.
Product: Mortgage

Nationstar Mortgage Company has withdrawn multiple mortgage payments from my bank account without my authorization and I DO NOT have autopay set up on my account. Nonetheless the payments were not applied to my mortgage.
Product: Credit card or prepaid card

My identity was stolen someone open a account with capital 1 credit card. I contact the capital 1 credit card services provided them information that my identity was stolen after upon them doing their investigation they provided me a letter stating that they would have the accounts to be removed off my credit report now they refused to remove them off my credit report and still trying to hold me liable.
Product: Debt collection

I am filing a formal complaint regarding a collection account that appears on my credit report, managed by XXXX XXXX XXXX. This account is invalid, and the collection agency has failed to provide sufficient documentation to substantiate the debt. 

The collection agency has reported this account on my credit report, but I have no record of owing the debt they are attempting to collect. 

Upon requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), the collection agency failed to provide essential documentation, including : The name and contact information of the original creditor, a copy of the original agreement or contract that created the debt, a full account history showing how the debt was calculated, and proof that the agency has legal authority to collect the debt. 

The collection agency has been unable or unwilling to provide the original creditors details or the purchase agreement proving the transfer of this account. This invalid account is negatively impacting my XXXX XXXX and has caused significant stress. The lack of proper documentation and failure to validate the debt undermines the legitimacy of their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is the only bureau reporting a couple erroneous collections that are not valid. THese were all paid by my insurance company and should have never been on credit. 

2 are for XXXX XXXX XXXX & XXXX & XXXX XXXX - XXXX I have previously disputed and filed complaints and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the XXXX credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Product: Credit reporting or other personal consumer reports

I was never late on this account. XXXX XXXX  never presented any record that I have ever been late paying this account. The fcra states a company need to send a 21 day notice of a late payment before placing a late payment on a credit report. XXXXXXXX XXXX XXXX  please show proof that I received such notice in the mail. These late payments are hurting my credit my next step will be ligation, of which I'm pertaining to arbitration. It shall be in your be interest to update each late payment as ok and or paid as agreed. Arbitration fee will cost you close to {$2000.00} as well as daily fees. Please update these payments as paid on time.
Product: Credit card

this compliant against one of the larger bank in the banking system. i am a client of this bank for 20 year. never had any problem with the bank in XXXX some 10 year i apply for a cash vise credit card with this bank in XXXX my credit was XXXX TD bank lower my credit year after year. there is ma pattern in they practice. after ten year of doing business with TXXXX bank. The XXXX have got biggest i make a charger and it a leager charger and i pay it off in two of three week. i noction that went i pay a lager payment someone inthe drop my available balance iam drown from XXXX to XXXX why?. on XX/XX/XXXX my went drown XXXX in XX/XX/XXXX the balance was XXXX the plaintiff pay XXXX, in spet XXXX after the payment they my to credit limit XXXX now on XX/XX/XXXX XXXX was XXXX with a payment of XXXX then on or about XXXX XXXX i pay XXXX but i notice that my credit limed is now XXXX with a available XXXX this is a pattem TD bank have destroy credit for the last nine year from a XXXX credit to a XXXX XXXX XXXX all because of TD bank if that not discrimination. XXXX file compliant with the Department of justice for discrimination
Product: Credit card

I'm looking at my personal credit report and noticed fraudulent hard inquiries on it. I want to remove these fraudulent inquiries as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX