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

Citi Bank stole {$67.00} on XXXX instead of only deducting {$1.00}. 

The bank is engaging in Fraudulent activities by providing errors in record keeping and manipulating the checking account balancer. 

The bank has made it a regular habit to remove more funds from my account normally on each pay discrepancies or deposit. 

The increments range in varying amounts and are random sometimes, but they will just make their way to my account and randomly remove money. 

As well as charge a bogus merchant charge thst I have to dispute. 

They lied for 5 months alleging a wire transfer was returned but instead violated the law missing the mandatory deadline for handling in a attempt to steal more money from me. 

Caused some serious financial harm
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX/XXXX  XXXX Balance : {$1000.00} XXXX-XXXX  XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance is reporting XXXX Payment not received. I am on auto pay and here is the confirmation number XXXX
Product: Debt collection

Hello, I want to report TD Bank that represents XXXXXXXX XXXX  for potential violations of the FDCPA. Mainly, now I am getting calls on an outstanding balance on an account that is not legally mine. Due to the terms of my purchase with XXXX, XXXX was to credit my account in the amount of {$120.00}. That never happened. Now, TD bank is trying to recoup the {$120.00} plus late charges on an amount that is not legally mine. They keep telling me to " contact the merchant, '' but they are representing the merchant themselves. regardless, I am unable to contact the merchant. 
on or about XX/XX/XXXX, I purchased a new XXXX XXXX with a contract stating that I would be credited {$120.00} for the turn in to XXXX of my old watch. I did so. I received word from XXXX that my account was to be credited in the amount of {$120.00} in the manner of a text message to me that I retained in the notes to TD. The XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
Later in XXXX, I noticed that the amount was not credited. I contacted TD regarding the outstanding balance. They just told me in writing to " contact customer service. '' From the follow up contact, they said at that point that they would check into it and " do nothing. '' That message was dated XX/XX/XXXX. 
Next, in XXXX, I still see the balance and late fees accruing in the account. I then filed a formal complaint with TD Bank for the misrepresentation of the debt. That was filed via fax with TD on XXXX XXXX, XXXX. I had confirmation of receipt of the fax on the same day. I have not heard resolution other than they received the fax sent on XXXX XXXX, XXXX. 
I am continuing to get calls XXXX XXXX XXXX XXXX even after I have pleaded with them to verify and produce proof that I am legally responsible for the debt. They still do not have resolution on my complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX didn't send me a 1099c it has been written off as profit loss
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress XXXX  due to inadequate customer service and unfair practices which violate the Consumer Financial Protection at specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore they're dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation e these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting

There is an address on my report that I have never lived at ...! ive never lived in XXXX Ohio in my life!
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act. The list of account below have violated my federal protection consumer right to privacy and confidential under 15 USC 1681. XXXX  account # XXXXhas violated my rights XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX inquiry has Violated my rights XXXX  XXXX XXXX bankruptcy has violated my right 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 Its also stated consumer reporting agency without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB Management is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt reporting. I have consulted with the Attorney General of California and have found that this account is past the statute of limitations. I do not owe this debt and it needs to be removed from my credit file.
Product: Student loan

In speaking wit h two a ccount representatives,  one by th e name of  XXXX , employee ID :  XXXX , and another  XXXX , employee ID :  XXXX , at  Educational Credit Management Corporation about first-time student loan rehabilitation, both employees lied that the collection fees would be capitalized in the  loan balance and that the fees would be transferred to the new lender once I completed loan rehabilitation. I repeated asked them to confirm this on a recorded call and they insisted this was true, in order to collect commissions on those fees. I had found, however, documentation from the  Student Federal Aid  website stating otherwise.   XXXX   XXXX   XXXX   #  XXXX   Quoted  below :  XXXX   XXXX   XXXX  : What is the current policy for collection fees and rehabilitation?   - Does the balance in a rehabilitation agreement include collection fees and, if so, what is the formula for adding fees to that balance/how are they calculated?   - Does the loan holder take a portion of the rehabilitation payment for collection fees? If so, how much?   - Are fees capitalized in the balance after a successful rehabilitation? If so, how much?      XXXX  : This response applies to Department-held loans ( both  FFEL and Direct Loans ). If the borrower is assigned to a PCA, collection fees are charged against each of the nine qualifying payments ; approximately 20 % of each payment would apply to collection fees, with the rest applying to interest and/or principa l. Once full eligibility for rehabilitation has been achieved, only the principal and interest balance of the loan is transferred to a non-default servicer. From that point forward, no further collection fees are charged unless/until the borrower re-defaults on the loan. In the event of re-default, collection fees are charged according to the same rules as if the loan were a first-time default. Collection fees are not capitalized in the rehabilitation process. Collection fees are only capitalized if a borrower consolidates the defaulted loans.    [   XXXX   XXXX   XXXX   ] Thi s collection agency is teaching their representatives to lie to borrowers to collect larger fee amounts when it clearly states here the federal rules which govern loan rehabilitation fees. You can hea r three recor ded conversations on   XXXX   XXXX   XXXX   around roughly  XXXX  MST confirming these facts.   I would like to enter loan rehabilitation without paying any fees to this deceitful agency, including the standard 20 % through the  nine  monthly loan rehabilitation payments, because their representatives repeatedly lied. Additionally, I think an investigation in to ECMC 's tr aining practices should be conducted because I bet their representatives regularly lie to borrowers to collect larger fees and commissions. Finally, I think th e two r epresentatives ought to be fined and given unpaid leave for a period of 60 days. It is a disgrace that this company and these people try to steal from and deter students trying to do the right thing by entering into loan rehabilitation.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed informationon my credit report, leaving inasccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to foward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequatly notify consumers of dispute outcomes. These failures align with my experiences, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Bank account or service

To whom this may concern, In 2013, my Scottrade account was hacked and over XXXX USD of fraudulent ACH transfers were initiated via the account. The attached shows the corresponding XXXX XXXX XXXX statements which shows Scottrade withdrawing XXXX of dollars from my account.
Product: Checking or savings account

My husband had opened a money market account with XXXX XXXX XXXX in XX/XX/XXXX. It is a POD account. He had passed away on XX/XX/XXXX. I had not gotten notice of the transfer of ownership to me, as the POD, so on XX/XX/XXXX, I wrote XXXX XXXX XXXX a letter and sent the XXXX XXXX Minnesota office his death certificate. A couple weeks later I received everything back with a letter that this account has to go to probate. 
I then sent the letter and death certificate with tracking to Utah where I was told it was the estate department. 
It has now been weeks, and I still did not hear anything and still can not access the account. I called the XXXX XXXX XXXX Utah branch and they told me I had to speak again back to Minnesota. I talked to Minnesota on XX/XX/XXXX, and they told me I had to send them the letter again and had to have it notarized. I have never heard of such run around for a transfer of ownership that can take just an hour or two to complete. I do not know what their problem is, but I have had to deal with a long time illness and death of my husband and his funeral and find this incompetency unjustified. I want access to my money and move it out as I do not trust XXXX XXXX XXXX. I figure they do not want my money and business as the POD of my husbands account.
Product: Debt collection

This company called my ex husband and provided him with my contact information. We have not been married for XXXX years and there is a protective order in place. Giving him my phone number gave him the ability to contact me. Ive asked them not to contact anyone outside of myself but can not get a response and can not get them on the phone. 
They should not be giving out my personal information and in fact put me in danger!!
Product: Checking or savings account

I deposited XXXX $ in the atm XX/XX/year> at XXXX pm the atm malfunctioned and starting making a noise I thought that it would give me money back it did give me a receipt Ive been in the bank/ branch and otp with supervisors 3 times no one could help me Ive been told 3 different things I need my money back its not my fault the atm broke. Also its on my way home used my XXXX XXXX I refused to use the atm and I noticed that the atm was serviced reached out to Chase Bank and they dont know anything still
Product: Mortgage

My loan has been transferred to Amerihome Mortgage and since the transfer I have had one nightmare after another. I was proactive in signing up for ebilling and auto debit. they missed the first auto debit and then said that they could not auto debit the XXXX payment since I was late on the XXXX. After calling to settle this and authorizing both payments Amerihome failed once again to debit the payments and I had to call again 1 week later to get the mortgage paid. I then received notice of forced placement of insurance but my premium is paid in full through XXXX and they were given the Mortgagee Clause in XXXX but failed to update their own information. This has caused far too much aggravation and their customer service has been less than helpful as they did not have the means to process the payment on XXXX phone call and had to transfer me to the billing department. They state that it takes 2 months to set up an online account which is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Credit Bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I refinanced my mortgage in XXXX of XXXX. A few months later, a new servicing company, Mr. Cooper took over my loan. Around XX/XX/XXXX, I received a notice from Mr. Cooper that they sent a check to my insurance company to cover my impound account for homeowner 's insurance. I have never had impounds and my loan papers clearly stated as much. I called them and after a very long process involving me and my insurance agent, they agreed with me. I subsequently received a letter stating that they would begin charging me {$120.00} per month to recoup the impounds if I didn't send them the money back. I obtained the money back from my insurance company and sent Mr. Cooper the {$1500.00} they originally sent " on my behalf '' along with letter referencing my account. This month, they charged me {$120.00}. I checked my bank account and they had cashed the check for {$1500.00} weeks earlier. I called Mr. Cooper and they had " accidentally '' applied the money toward my loan. They told me I should have called and checked to see if they did it correctly. I have had to spend hours on the phone trying to straighten this problem out and get my money back and they don't seem to care. They arbitrarily take money without notice and I feel they need to be looked into. Many of my friends and neighbors have loans with Mr. Cooper now and no one is happy with the company and it's " service ''.
Product: Debt collection

I explain to the debt collector that the account they are trying to collect was opened fraudulently by another person using my data. I have challenged the account with different Credit Bureaus explaining the situation and they repeatedly refused to delete this item. I have no option but to report them in order to seek for a more positive outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report and the negative input for wells fargo should of been corrected from my understanding .It was a mistake on their part and not corrected .I still do not agree with the way and amount the bank gave back.And here it is a long time later and im still fighting this?
Product: Credit card or prepaid card

On XX/XX/XXXX I had a fraudulent charge on my card. I filed a dispute that was denied by Chime. I was able to file a second dispute that took up to 45 days to review, which also ended in a denial. Despite the fact that I've told them that I did not authorize this charge on my card, I was told they found nothing wrong and refuse to cover the fraudulent charge of {$110.00} to King Soopers.
Product: Money transfer, virtual currency, or money service

So last night at about XXXXXXXX XXXX XXXX  in XXXX XXXX XXXX michigan XXXX where I am located. I received a notice that my fiance 's direct deposit for her federal and state tax return was returned by chime bank as the name on the deposit didn't match my name on my chime account. We called the irs and they told us that they have laws in place and stated that we could use my account to deposit her tax return as long as the routing and account number matched. Chime stated that due to their policy they could not accept it. The irs stated it will take XXXX additional weeks for us to receive the funds causing us to possibly be homeless or continue living in an abusive situation. Also chime has accepted numerous direct deposits from XXXX XXXX XXXX from her place of employment homeaglow numerous times. They just had an issue with her tax refund.
Product: Mortgage

They had sent me a trial forbearance agreement during the process of my bankruptcy, but the payment was still too much and it was impossible to get a hold of my one point of contact. Their employees make misleading statements to make you think they are helping and they are not. I sent in proof of insurance to get them modify the past due amount and they never responded. Another time an employee named XXXX told me to send the documents to XXXX and they would make the changes there. They are a predatory mortgage lender and their employees are a reflection of their deviousness. 

Then, I submitted a loan modification application on XX/XX/23 to Selene Finance and they refused to review saying there wasnt enough time to review it before the auction sale which was XX/XX/23. The opening bid was XXXX and it was sold back to the beneficiary which is Selene Finance. I believe they violated my homeowners rights and they also never posted a notice of the trustee sale on my property.
Product: Debt collection

I contact National Credit System in XXXX because they are reporting on my credit an account for {$2900.00}. I sent them a dispute letter by certified letter asking them to verify the debt. I never heard back from them. So I decided to call them. Before even saying anything regarding that account I let them know that I was recording this call. The representative proceeded to ask me my name and account number. I told them I do not have and account with them, and the number I have is of my credit report and it shows 2 X at the end. They told me I needed the full account number for them to find the account. So she ask for my social security number I gave it to her and again no account was found. She then use my name and an account came up, an account that had my partial name and a different SSN. They didnt have ANY of my information, I had to give it to them. Then told me to send them a copy of my FTC identity theft report in order for them to remove the account. I did it and still nothing. So I disputed it with the credit bureaus and and they told the bureaus they will not remove the account from my report. Ive had enough of their shenanigans, Im at the point where Ill be taking legal action and it will result in small claims legal action against them at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Money transfer, virtual currency, or money service

Coinbase locked our account several months ago after I initiated contact regarding a transaction. Coinbase refuses to unlock or restore the account. Multiple complaints with Coinbase have been initiated to no avail, including a formal complaint. The case numbers with Coinbase are XXXX, XXXX ( initiated in XX/XX/2020 XXXX, and XXXX ( formal complaint initiated in XX/XX/2020 ). Coinbase 's replies have been very delayed and largely consist of canned or form responses. Ultimately, in each case, Coinbase instructed that certain security steps should be taken and to let them know when we wanted the account restored. In fact, the formal complaint was unilaterally closed by Coinbase, against our will, with the " resolution '' being to take the same security steps that had been completed previously and to advise XXXX when ready to have the account restored. ( Side note : In an attached email regarding Formal Complaint XXXX, the Coinbase representative references an email of XX/XX/2020 and indicates the email included steps to have the account restored. No email was received on that date. Rather, an email was received on XX/XX/2020, the steps were completed, and Coinbase advised we were ready to have the account restored XXXX. Again, on several occasions the security steps were completed, all requests or instruction from Coinbase was followed, and Coinbase advised of readiness to have the account restored. Coinbase was further advised no transactions on the account were being disputed or being claimed as unauthorized. Despite full compliance with Coinbase 's instruction, the account remains locked. Of course, as the value of XXXX and other cryptocurrencies fluctuates, so does the account balance. This also makes immediate access to and control of the account that much more important as it could result in thousands of dollars in losses. The current account balance is approximately XXXX USD. 

Coinbase holds itself out as a secure and easy place for individuals to buy, sell, and manage a cryptocurrency portfolio. Giving Coinbase money might be easy. But by locking the account and refusing to restore access, Coinbase has wholly prevented the sale of cryptocurrency and withdrawal or use of account funds, let alone management a cryptocurrency portfolio. The result is no different than having money stolen.
Product: Payday loan, title loan, or personal loan

I had a borrow and grow loan through SeedFi, the loan was then switched to another servicer of XXXX. XXXX used the savings balance of XXXX to my balance owed ( The savings of {$1300.00} was more than the balance owed which means I'am owed money. XXXX has not given direct information on how or when I will receive the money owed. I can no longer access my online account to even get records of the account or access any of the information. )