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

For several years, Fifth Third 's so-called fraud algorithm has been disabling my card and blocking valid transactions I'm trying to make, but it does not stop any actual fraud. Their blocking of my card and transactions causes me huge trouble even though I call the bank before I make a major purchase or travel and give them specifics so they won't interfere with my transactions. They assure me they will not interfere, but then they do. On one occasion, after I told them pre-departure that I would be traveling in XXXX and they should NOT disable the card if they saw charges from XXXX, they disabled it anyway, stranding me in the middle of nowhere XXXX  miles from the nearest airport so I had to WALK for days carrying my luggage. 
Last year they blocked the transaction when I tried to buy a new XXXX from XXXX, and because they blocked it, I never got the computer. 
Last week when I knew I would be attempting to buy a XXXX again, and a XXXX XXXX, I called Fifth Third and said DO NOT BLOCK MY TRANSACTIONS. 
When I looked online today ( XXXX ) and saw that the XXXX and XXXX transactions were pending forever, and then when I tried to use my card at stores, I discovered my card was blocked by Fifth Third! 
I went to the closest Fifth Third branch ( XXXX XXXX XXXX, XXXX, Florida ). The manager, XXXX XXXX, was rude and ignorant. She did not help me at all and does not deserve to be a manager because she lacks the skills and temperament for it. 
I then had to call Fifth Third, be transferred, and get a code before the hold on my card was released. 
I received no notifications from Fifth Third about the blockage and would not have known except that I tried to use the card at point of sale. 
Fifth Third has created suffering, loss of money, and lost time for me, and they make sure you can't reach corporate. They have a fortress around their corporate officers who create the algorithms and policies that work against customers. 
Fifth Third is not a corporate criminal like XXXX XXXX and other banks, but they are incompetent, and some of their employees, such as XXXX XXXX, are hostile. 
They need to fix their systems so legit charges from customers are NEVER blocked. 
So glad there is a CFPB and that the GOP hasn't managed to defund and ruin it! Email, not phone, is the way to reach me.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Mortgage

PHH Mortgage- phhmortgage.com This company is a fraud disguised as a legitimate business. 

> They are impossible to get ahold of and do not have call center agents who can speak english well enough to manage a something as important as a mortgage. 

> They put up barriers at every turn > They do not communicate with you if there is a late payment.

> They charge a fee to get payoff information that should be free and available immediately.

> Payoff information is not remitted for 4 business days.
Product: Credit reporting

XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX To Whom it May Concern : Experian XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Personal Loans Cos. 
XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. 
Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX
Product: Credit card

I would like assistance in disputing the following charges {$7900.00} made on XXXX paid to XXXX XXXX XXXX and {$7400.00} made on XXXX paid to XXXX. These are XXXX companies who contacted us after we purchased what we thought was a legitimate online, home business. XXXX XXXX XXXX was supposed set up a business entity, create a custom business plan, corporate credit building and training. They did not provide the services that we purchased other than setting up the XXXX and submitting the wrong information to XXXX XXXX XXXX. This company took advantage of us by price gouging us for services we did n't need and did n't even deliver. XXXX was supposed to do social media pages, XXXX marketing and product sourcing. They sent us an awful XXXX sample video. Bottomline is we have been taken by these companies and would like Chase to help us obtain a refund of the money that they have unjustly received. I think based on the time that has lapsed, these guys are never going to deliver and at this point it is clear that they were not going to in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiry on my Equifax credit file.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX I have identified multiple fraudulent accounts on my credit report resulting from identity theft. These accounts are obstructing my access to necessary credit. Under Section 605B of the FCRA, I request their immediate removal. Please address this matter by promptly correcting my credit file. Thank you for your swift attention to this issue.
Product: Consumer Loan

We purchased a car from a dealership. We then ended up closing on our home and then because of some landlord issues moved twice in the first month after we sold our home. We did n't receive notification of who to make the car payment to until after it was 30 days late for the XX/XX/XXXX payment. We made the extra payment and have been on-time since. We were told by them ( lied to ) that there would be no negative credit reporting on my wife. We are now trying to purchase a home again and there is a 30 day late. I called every number in XXXX Texas that was in XXXX.com and none reach a person. All fake numbers. When you call customer service you get some foreign country, wo n't transfer you to someone in the USA and I held for almost a half hour waiting for a " supervisor '' to see if I could resolve the issue. Based in XXXX, I am not sure they should be doing business here in the USA if you ca n't reach anyone.
Product: Money transfer, virtual currency, or money service

XXXX filling a claim against Cash App XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violates the customer financially protective act ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. Current data shows it was reported as open as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Product: Money transfer, virtual currency, or money service

I reported fraud at Robinhood on or around XX/XX/2023. I was told that it would take 7-10 busines days to investigate while my account would remain frozen and I would not be able to withdraw funds. It has now been almost one month and Robinhood refuses to explain why or how I will ever get my cash back that was in my cash wallet amount to XXXX dollars. Robinhood is illegally withholding my XXXX dollars. I have asked them in writing and over the phone at last a dozen times since XX/XX/2023 to close my account and send a check with my funds in the mail but they refuse.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

RESIDENT VERIFY XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After recently receiving an alert of a new derogatory listed on my consumer report, I analyzed that the account was fraudulent and has appeared on my consumer report prior. The name type of account appears to be utility/phone services. The curren debt collector is " Harris & Harris LTD '', the previous debt collector was " XXXX '', and the original creditor was " XXXX XXXX XXXX XXXX The account listed is fraudulent and does not belong to me. The account is also listed as being " charged off '' and under 15 US code 1681 2 ( A ) i " transactions or income is not permitted to be listed on a consumer account ''. I have not received a 1099 form for this " alleged income '', and I did not consent to this account being obtained.
Product: Mortgage

I sold my home on XX/XX/18. Settlement for the mortgage in full was WIRED to Freedom Mortgage the same day and online it does show that the principal balance is XXXX. I have called an confirmed that there are no further payments on the loan needed. I have also confirmed that they have in escrow {$3300.00}. I have receipts that the property taxes for 2018 were paid through the title company in full in the amount of {$2200.00} ( an escrowed item ) and that obviously the insurance company will not need to be paid as the house was sold. So I am owed the full amount in escrow of {$3300.00}. I have been told that t hey will not pay me interest for the time they have held my funds. As of today,XXXX, they have not refunded me my money from escrow. I feel that because this payoff obviously was paid via wire ( the money is not in dispute ) and that all other items have been paid that my money should be released immediately or I should receive interest for the time they have my money. It is wrong for them to hold my money for no reason. I don't care if that is " their policy ''. Policy does not mean it is the right thing to do. They are making money on those funds every day and I am being denied access to my money. I can see a delay for up to 72 hours for processing but anything after that should not be allowed.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I write this letter to formally file a complaint and to draw your attention to a matter of utmost concern. It relates to an ongoing dispute with the Army & Air Force Exchange Service and its Privacy and Identity Protection Division. They have neglected to validate, acknowledge, or address My consumer complaint and billing dispute, resulting in a prolonged and unnecessary conflict. 

As a consumer, I believe I have been unfairly treated and violated My rights. It is critical that your agencies, with the mandate to protect consumers and ensure fair practices, investigate this matter under your cognizance and jurisdiction and take the appropriate action. 

In the event of any formal action taken regarding this matter, I kindly request to be informed of the outcome. It is My respectful appeal that federal and state authorities and investigative agencies prioritize this matter to ensure due consideration is given to this complaint 's independence, completeness, timeliness, and accountability. 
In compliance with the Freedom of Information Act ( 5 U.S.C. 522 ) and the Code of Virginia ( 2.2-3700 et seq. ), I, XXXX XXXX, or a representative acting on My behalf, formally request federal, state, and local government agencies to disclose all records relevant to Me about this matter, inclusive of any attachments. I consent to My identity being disclosed as the party seeking this information. 

This consent grants federal, state, and local government agencies, financial regulators, and law enforcement authorities the power to disclose My identity for suitable referrals as necessary. I reserve the right to submit additional evidence as this complaint progresses or if otherwise required. 

This request is not intended to constitute a waiver of any claims, rights, remedies, or defenses under the jurisdiction of any tribunal of the United States or the United States of America. 

Thank you for your attention. 

Respectfully submitted, I am XXXX XXXX XXXX XXXX Indiana state, All Rights Reserved without Prejudice
Product: Credit reporting or other personal consumer reports

I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA says we must report wrong accounts on credit report.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XXXX, XX/XX/2023, I fell victim to a multi-layered scam operation orchestrated by XXXX ( XXXX XXXX  ), which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm ( XXXX ).
Product: Mortgage

I did not receive any disclosures on opting in or out of credit reporting at closing. I have asked for the opt-in and opt-out documents, in addition, I need a copy of the 3-day recission documentation that outlines that I had 3 days from the date signed to cancel the loan. These are all supposed to be given to be in line with Federal laws / RESPA/.

The Company repeatedly sends a copy of a Note and DEED not signed by them so there is no agreement.

I have ALL the original closing documents and there are no opt-in opt-out in regards to credit reporting and 15 USC 1666 B, states that they need my permission. RESPA, and TILA disclosures are also not in the closing documents in regards to the 3-day right to rescind. 

Do to the strain of fighting with the bank I am facing a divorce and have advised the Bank to forward all mail to XXXX XXXX XXXX XXXX GA XXXX to ensure that I receive their correspondence.
Product: Credit reporting or other personal consumer reports

I'm asking for Debt Validation... According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : XXXX : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. XXXX. I want a detailed list of payments made by me on these accounts. 2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor. 3. I'm asking to see if there has been any insurance CLAIMS found on these debts. 4. I want proof that you have the chain of title to collect on these debts. Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. You ; have violated all ABOVE laws.
Product: Checking or savings account

XX/XX/XXXX , Unauthorized ACH of {$7300.00} on my organisation 's checking account. Reported unathorised ACH to Bank  of America  in   XXXX   XXXX   Faxed an unauthorised ACH form to Bank  of America i n   XXXX   XXXX  . A notarized letter ( signed by the signatories to the account ) was sent to Bank  of America o n  XX/XX/XXXX . Bank  of America  has not refunded the unathorised withdrawal.
Product: Debt collection

Date : XXXX XXXXSent Mail regarding inaccurate reporting I the consumer Per the FCRA as a federally protected comsumer I am now opting out of and and all authorization. I the comsumer may have given you written, unwritten, verbal and non verbal consent per 15 UCS 6802 the Irs states that a charge off is considered a certificate of indebtedness. Violation of : Fair Credit Reporting Act, Privacy act of 1974, Fair Debt Collection Practice Act The Health Insurance Portability and Accountability Act of 1996
Product: Mortgage

Guild Mortgage Company increased my monthly payment on a ( 30 year fixed loan ) in excess of {$360.00} per month. In addition to the increased monthly payment XXXX added fees for services not yet rendered, fees for services in excess of valid cost of service and fees for services not rendered at all. In addition, XXXX failed to remove the PMI upon request once the equity in my home qualified for the removal. XXXX exceedingly added fees and charges it required me to satisfy in order to avoid foreclosure. I was unable to cure the amount XXXX was demanding as it including {$9000.00} in fees for the trustee PRIOR to initiating a foreclosure. 

As a result, my home was foreclosed. An investor bought my home at the trustee sale. My mother who was in need of daily assistance with living resided in the property with me at the time of the trustee sale. She and I were forcibly removed without a moments notice. I was prohibited from even putting shoes on my feet. My mother and I were displaced from each other resulting in her to pass unnecessarily after suffering multiple strokes without medical attention. Her brain suffered too much damage for her to recover. 

The investor was given access to my home and ALL of my personal property. The movers threw a lifetime of personal possessions in a storage unit as if it were the dump. A lifetime of personal property was destroyed after the movers took what was of value for themselves. 

I am currently in the Nevada Supreme Court after the XXXX XXXX erred in judgment by dismissing the wrongful foreclosure case against XXXX. I hope this complaint is taken seriously and action is taken to prevent XXXX and other banks from predatory loan servicing with the intention to force a foreclosure thereby destroying my life.
Product: Debt collection

This account was paid off with the stipulation that XXXX XXXX XXXX would remove the account from my credit reports. This account was paid directly to XXXX XXXX XXXX in XX/XX/2018. I noticed this account was still negatively impacting my report when my credit profile was reviewed recently by my mortgage lender.
Product: Credit reporting

In 2007, I was a victim of identity theft. As a result, the XXXX and the State of California XXXX XXXX XXXX charged that I owed them a tax debt, which I disputed. Before we reached a resolution, the XXXX and XXXX reported the tax liens to the XXXX credit bureaus, XXXX of which was Transunion. After several years of disputing the debt with the XXXX, and with the help of the XXXX, the XXXX conceded that I did not owe the debt, thus meaning that I did not owe monies to the XXXX either, and removed it from my tax file. However, Transunion has since refused to remove it from my credit report, despite multiple calls and visits to the local offices reporting the debt. I 've been trying for years to get Transunion to remove it, but because it 's the XXXX and State of California XXXX supposedly reporting it, Transunion does n't want to do it. I finally called the XXXX again and they confirmed that they have no record of the debt because it was removed, since I proved it was n't my debt. They recommended that I get the FTC involved to force Transunion to remove the tax lien history from my credit profile. Currently, there are several tax liens that show " paid/satisfied, '' but that implies that I owed the debt at XXXX time and paid it off, neither of which is true. Because the debt was never mine, any and all record of the tax liens should be stricken from my credit profile. As result of having those liens reported, although showing " satisfied, '' my credit scores are being severely affected and I 'm having to pay much higher interest rates and getting denied from necessary credit. I need your help in having all of the erroneous tax liens appearing on my credit report, both on the Federal and State level, to be removed once and for all.
Product: Credit reporting or other personal consumer reports

I signed up in Lexington Law for them to fix my credit report and nothing change I paid them $ XXXX  monthly for 9 months and it was to good to be true.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I believe we need to eliminate any erroneous accounts from my credit report. Could you verify the documents? Some of the listed accounts have incorrect information regarding the amounts and dates reported.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing regarding the above-referenced account. Please note that I am not disputing this account XXXX XXXX XXXX Account numbe XXXX However, I kindly request that you provide the following information for my records : The Date of First Delinquency for this account. 
The Date of Last Payment made on this account. 
The Date of Charge-Off for this account. 
I would appreciate it if you could provide this information in writing. If additional documentation or authorization is required to process my request, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Checking or savings account

Since the pandemic started we have been living paycheck to paycheck. We never asked the bank for help as we were able to nearly get by till our next paycheck. However in XXXX the bank started putting {$1100.00} in our account and calling it a temporary XXXX relief credit. We never asked for it or agreed to it. But we didn't know this was happening until we got a letter from the bank stating they were ending the relief credit. I checked the account and saw this had been going on for almost 3 months. The letter explained they did this to help people with a negative balance in their account to get their full stimulus check. We didn't get the letter or know this was going on till I got paid from work and noticed i only had a couple of XXXX in my account when there should have been at least a {$1000.00}. That morning is when we got the letter and already spent our stimulus money. While this was happening but didn't know anything about this till after we had drained our account to only a couple XXXX left. After they took the {$1100.00} back out of our account, our account don't show these credits and caused our account to become seriously overdrawn. It also caused our house payment to bounce and incur a large amount of late fees. Now our account and all our bills are incurring late fees and large amounts of overdraft fees. I personally talked to XXXX members of the bank to try and get help and one did stated they did this to help and also stated others had the same thing happen to their account. All this should not of happened without anyone knowing what was going on till the last minute. I should have been given an option to opt in or out of the temporary credit or at least been notified before they took it upon themselves to try and help.