23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

A payment was sent as an ACH Transaction from my Bank ( Chase ) in the amount of {$830.00} on XX/XX/2018 to Address : XXXX XXXX XXXX XXXX, XXXX, TX, XXXX. I have called the number on the back of the card and spoken with this department 8 times and was told, eventually, that the payment had been rejected, yet it never showed back up in my Checking account at Chase Bank. I have also spoken to personnel at the Credit Union and Chase Bank on several occasions each. The Credit Union told me it was not their problem and I needed to take it up with XXXX XXXX. XXXX told me it wasn't their problem and I needed to take it up with my Bank. Chase researched the matter and I was given a temporary credit to my checking account. After looking into the matter the credit was taken back out of my account with the explanation that the payment had been rejected by XXXX  but was not returned to my checking account. In Chase Bank 's own words, this did not " Constitute a fraud '' therefore they were not liable. This leaves me with making 2 identical payments for the same balance. I used the credit they gave me to pay off the credit card by sending the payment of {$830.00} directly to the Credit Union that issued it to me ( XXXX XXXX XXXX, XXXX, TX ). But when the {$830.00} was taken back out of my account, that left me with a deficit of {$830.00}. The original payment of {$830.00}, made on XX/XX/XXXX, that was never returned to my account, and an additional payment of {$830.00} that I sent to the CU to pay off the card. I have provided a proof of payment to the Credit Union,  XXXX and Chase Bank, but in the end, I was left with a loss of {$830.00}.
Product: Credit card or prepaid card

On XX/XX/2018 I made an Bank of America online payment of {$4000.00} to a Bank of America credit card account that was closed. I meant to pay a Bank of America credit card account that is open. I immediately call Bank of America customer service and explained the error. I requested that my money be redirected to the open credit card account or a refund. I was given a reference number and told I'd receive a refund or money transferred to the open account within 3-5 business days. Since XX/XX/XXXX I have called customer service multiple times and each time have been told different time frames of when I should expect to see my money and I have visited two local Bank of America branches 3x and told the same thing. Each time Bank of America gives me different time frames and with no assurance that my money will be returned or applied to my open bank of america credit card account. During one visit to the Bank, I was told that I would receive interest for the delayed {$4000.00} refund.
Product: Checking or savings account

I opened up US Bank Checking account in XX/XX/year> with the promotion that I can received XXXX USD account opening bonus if I have direct deposit more than XXXX USD within 3 months. I achieved that XXXX USD direct deposit requirement but now US Bank said there was no promo code applied. I believe US Bank is tricking me into opening an account without keeping their advertisement promotions.
Product: Debt collection

as a result of going to emergency room i end up owing {$390.00} which i paid all in 5 payments of XXXX, {$40.00} {$100.00} {$100.00} and {$120.00} directly to XXXX XXXX XXXX of XXXX Florida last payment on XX/XX/18, after i check my credit report i found a coleection as AR Resouces Inc # XXXX with a balance of {$120.00} in collection, i called they cant find me, i disputed the rsult was verified as accurted i called again the company teres no record of me they hang up onme
Product: Credit card

This company has charged me {$38.00} late fees XXXX times.
Product: Checking or savings account

I filed a claim with Wells Fargo on XX/XX/2021. On XX/XX/2021 I went to the ATM machine at XXXX XXXX and XXXX XXXX in XXXX, FL XXXX. The ATM did not dispense the {$100.00} that I requested. When I checked the balance it showed the {$100.00} was gone. I immediately went into the branch and complained to the bank representative. He said he was aware that the ATM was not functioning. He said that when they tally the machine at the end of the day, they will see the overage and refund me my {$100.00}. The claim # was XXXX. When the money was not returned the next day I called to register a complaint. I spoke with XXXX at XXXX. He said that there was a different department that handles the research and there is no number that I can call to speak to someone in that department. It was not until XX/XX/2021 that they returned the {$100.00} provisionally. Now on XX/XX/2021 they reversed the {$100.00} credit and closed the claim. I called XXXX @ XXXX and he said that when Wells Fargo did their research, the ATM machine did not show an extra {$100.00}. This goes back 2 months and I am not sure if the Bank rep would remember that the ATM was down on XX/XX/2021. There should be a record that the ATM was malfunctioning whether or not they can see the extra {$100.00} or not. I do not know the name of the branch representative This is 100 percent fraud on Wells Fargo account as they had a bank representative acknowledge that the ATM was down.
Product: Credit reporting or other personal consumer reports

See the attached Arbitration Notice Letter and Equifax 's Agent signature of receipt of the Certified Mail Arbitration Notice Letter I sent to Arbitrate for serval violations per Equifax 's Arbitration terms and agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Debt collection

This debt from XXXX XXXX XXXX  keep coming back when I never been to this hospital or place. I do not even know how they have my information and how do this collection agency have this debt
Product: Mortgage

Fifth Third Bank purchased and took over my mortgage on XX/XX/XXXX. They did not have proof of flood insurance, so they placed flood insurance on our property. We however did have flood insurance through our XXXX. We provided proof in XX/XX/XXXX, but the insurance agent only sent over proof for a few months. We we had the insurance agent send over proof for the remaining months. 

Fifth Third Bank has indicated they will not send the money back, but instead apply it to Escrow, for which they claim we owe more money. However, after walking through the situation with help representatives, they come to realizes they actually do owe us the money back. I've ordered two escrow analyses ( one in XXXX and one in XXXX ). However, the bank is still refusing to pay us the amount we over paid. When I speak with someone from Fifth Third 's insurance department, they tell me we have been credited back the {$4800.00} ( XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ). But to their surprise ( Fifth Third 's own insurance department employees ), the two payment amounts reimbursements are showing up on our statements. 

So, the bank says here is this product ( insurance ) that is XXXX. We say " no thank you '' we have insurance. Please give us the money back. The bank says no. 

Escrow tells us it's an insurance department problem. Insurance department tells us it's an escrow department problem. 

I am filing this complaint on XX/XX/XXXX. Fifth Third Bank has kept our {$4800.00} for three+ months. I am on the phone with Fifth Third and they still refuse to send the money back to us. PLEASE HELP. {$4800.00} is a lot of money my family could have used to avoid financial hardships. How do we get our money back? How do we get reimbursed for financial damages caused from Fifth Third retaining money they should have not retained?
Product: Credit card

I contact synchrony bank about a fraudulent credit card open without my knowledge someone from their called me last week only asked me two questions and today they sent me a letter as my attorney forward to them last month if they going to say the card belongs to me they must provide the evidence they said signature match. They have to provide that they said I authorize it. They need to provide those information. Those information is my consumer rights they need to provide them failure to provide them. They need to close their account and keep their fraudulent transaction. I will not be paying for anything that I did not open or purchase. They have until XXXX weeks to provide them or a court order will compel them to provide those information those are their choices if they want to be forced, thats what going to be happen I am not a poor XXXX person to play around with
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX federal acct XXXX is over charged {$8000.00} and charged off account. I did not authorize any transactions since XXXX XXXX XXXX 

I tried contacting the bank to get these charges disputed but did not get any assistance since the card is charged off I need this charges to be investigated for fraudulent purchases and disputed. I do not own this debt I did not authorize any charges on this account after XX/XX/. I need this account removed from my credit file immediately. And the late payments along with the charges. They have not validated the alleged debts were charged by me I have sent XXXX XXXX a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. XXXX XXXX is willfully being noncompliant pursuant to XXXX XXXX XXXX ( XXXX ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my GOD given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a XXXX to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX Bank, has violated my rights. 

15 U.S.C. 1681section 602 A states i have the right to privacy. 

15 U.SC. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit card or prepaid card

NAVY FEDERAL OPENED A FRAUDULENT CREDIT CARD FOR SOMEONE WHO STOLE MY IDENTITY IN MY NAME AND PLACED IT ON MY CREDIT REPORT, AFTER SENDING DOUCUMENTATION TO THE CREDIT BUREAUS, THE CREDIT CARD WAS REMOVED, BUT NOW NAVY FEDERAL CREDIT UNION, HAS RE INSERTED THE CREDIT CARD ONTO MY CREDIT REPORT AND WILL NOT REMOVE IT.
Product: Debt collection

I ATTENDED XXXX XXXX XXXX IN XXXX XXXX THE SCHOOL WAS NOT ACREDITED AND THE SCHOOL WAS A SCAM AND TRICKED STUDENTS TO TAKE THESE LOANS OUT PUTTING THEM IN DEBT FOR YEARS TO COME TAKEING THERE TAXES AND GARNISHING WAGES .IN XXXX A LAWSUIT HAS BEEN IN PLACE
Product: Checking or savings account

There were numerous times I would be charged multiple overdraft fees when in all actuality there was only one transaction that I should have been charged the overdraft fee charge for.
Product: Checking or savings account

Navy federal keeps charging me outrageous overdraft fees so much that I had to switch banks and they keep charging me I am now overdrawn over 1000 I need some type of compensation
Product: Debt collection

Debt owed to XXXX was paid in a judgement to XXXX County Court. I moved from XXXX XX/XX/2014 and the property managers later charged me for XX/XX/XXXX rent and I did n't live there. The judgement I was provided by the courts has been paid in full but a XXXX collection agency is attempting to collect for the same debt.
Product: Checking or savings account

I opened two savings accounts with American Express on XX/XX/XXXX one was by mistake however I decided to keep both. I made 2 deposits on XX/XX/XXXX totaling {$3100.00}. 
another XX/XX/XXXX {$5000.00} another XX/XX/XXXX {$1900.00} and another XX/XX/XXXX {$9000.00} and then requested a withdrawal {$15000.00} to pay my quarterly income taxes and which was rejected. The other account I deposited {$3100.00} on XX/XX/XXXX and made another deposit XX/XX/XXXX for {$10000.00} and requested a withdrawal of {$10000.00} on XXXX and was denied the withdrawal.
Product: Checking or savings account

I USED TO HAVE XXXX BANK OF AMERICA ACCOUNTS, SAVINGS AND CHECKING, AT BANK OF AMERICAXXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX FOUND MY BALANCES IN CHECKING ACCOUNT GOING DOWN, WHEN I CALLED CUSTOMER SERVICE.SO I WENT TO THE BRANCH.THE CLERK PRINTED OUT THE STATEMENT.IT SHOWED UNAUTHORIZED CHARGES DEBITS TO MY CHECKING ASCCOUNT BY XXXX NEVER HAD XXXX ACCOUNT WITH XXXX NEVER PURCHASED ONLINE, XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX PURCHASE XXXX XXXX {$14.00} XXXX $ XXXX FILED COMPLAINT WITH FRAUD DEPT.TO INVESTIGATE HOW SOME ONE IN XXXX GOT HOLD OF MY CHECKING ACCOUNT NUMBER AT BANK OF AMERICA.THEY DID NOTHING.THE BANK OF AMERICA SHOULD BE PENALIZED AND MADE TO COMPENSATE ME FOR THIS INCONVENIENCE.OBVIOUSLY, A CRIME HAS BEEN COMMITTED.PERHAPS AN EMPLOYEE IN BANK OF AMERICA PASSED ON MY ACCOUNT NUMBER TO SOME ONXXXX AT XXXXOR SOME ONE AT XXXX MANAGED TO HACK INTO THE BANK OF AMERICA COMPUTER SYSTEM XXXX
Product: Mortgage

They charged me {$680.00} for an appraisal ; I asked them not to do this until the loan went close to its conclusion. 
They lie. 
When he couldn't get the loan to go through, he " ghosted '' me. 
He lied about FHA regulations. 
He was generally unethical. 
I hope he did not charge me for the homeowner 's insurance I didn't get on the loan that I didn't get. 
This guy is just plain sleazy and unethical. 
Here is his information : XXXX XXXX Inside Loan Originator XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX crosscountrymortgage.com/XXXX XXXX  XXXX badge XXXX CrossCountry Mortgage, LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Personal XXXX Branch XXXX Company XXXX XXXX XXXX
Product: Checking or savings account

Hello, I have been a Bank of America customer since about XXXX. I have had no issues with this bank during the duration of this time frame, on today XX/XX/2023 I woke up to not being able to log in or access my accounts. I have 2 checking accounts, and one credit card account with them that has been opened for 5+ years as well. When I tried calling all I was told was Bank of America decided to close all 3 of those accounts, no warning, no reasoning. Nobody could give me any information. Ive been dealing with being transferred from person to person and have yet to get a resolution. I tried going into a branch on that date as well and was told to maybe reset your online banking and that was it. I had multiple bills already scheduled prior to that date to come out the account. They told me the decision was made the morning of XX/XX/2023 with no other knowledge to explain. I asked what will happen to the bills in processing and they said they dont know. 
Another thing is it has been NO COMMUNICATION, no warning, no letters, no phone calls, no alerts, no anything! Just woke up and one day everything was gone!

I have never had any issue with this bank, my credit card bill was current and I have NEVER missed a payment. Therefore what is the reasoning for my account closure? And why is there anything I can do about it?

Also, one of the accounts was a joint account with my mother who has been with them for 20+ years and also is employed by them!

This is wrong and such an inconvenience and I want justice! 
Also how long will it take to get the rest of my funds from the accounts? 
Now I have to risk a ding to my credit because they chose to close my 1 long lasting credit card! 
This is not justifiable in anyway.
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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

I asked for my yearly credit reports from Experian, XXXX online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but XXXX XXXX, and XXXX stated they had been sent, but I never received them. Experian would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with XXXX, and they will not even let me see my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update these items immediately : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 AXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating my rights under the HIPAA Law. Correct this matter or Ill be seeking litigation against all involved!
Product: Prepaid card

Rush Card ( XXXX ) has had " computer issues '' and I have not had access to my money since XXXX XXXX, 2015. Previous to XXXX XXXX, there were XXXX pending charges on my account that were incorrect and making my available balance less than it should be. Since XXXX XXXX, because my Rush Card and XXXX accounts are linked, I have also had chargebacks debited through my XXXX account that are also held against my Rush Card account. In addition, I have also had a credit issued to my Rush Card account that I ca n't access. I have been unable to buy groceries and have had to cancel an appointment with my doctor because I have no access to my funds. As of today, XXXX XXXX, Rush Card 's system is still " down '', with no relief in sight. Customer service reps at the company can only say that when the service is restored, they will " call '' me. I have received no offers of recompense, or any assurances that I will ever be able to access my rightful monies again. They have, however, sent a text message graciously offering to " waive '' my account processing fee of $ XXXX/mo. for 4 months beginning in XXXX, 2015. As if, I would entrust them with my money again! Which brings up the problem of direct deposit : I had to contact XXXX to change the way to disburse my XXXX XXXX payment. Social Security now requires that one know the current account and routing numbers to change the disbursement arrangement. Since even the Rush Card customer service reps can not access such basic customer account records, I had to present myself and my ID at a local Social Security office. Since I am XXXX and can not drive, this was a major, and costly, endeavor. I shall receive my only source of income on XXXX XXXX, but until then, I have no access to any money due to Rush Card 's incompetence and negligence.