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

On XX/XX/2023, my bank account was overdrawn due to a maintenance fee taken from my account. I called Bank of America and asked the representative to refund the {$12.00} fees that have been taken from my account without permission. I asked how long I have been charged {$12.00} and was told I was charged the fee since XX/XX/2023. The representative refunded {$36.00} for the months of XXXX, XXXX, XXXX. 

I requested to be credited back for all of the fees up to XX/XX/2023 and the representative said she couldnt. I advised the representative I did not give them permission to take anything from my account and that a complaint would be filed against Bank of America. When I asked for the XXXX to approve it, the representative said the XXXX would tell me the same thing and did not forward the call to a XXXX.
Product: Money transfer, virtual currency, or money service

I have a Bank of America checking account with XXXX money transfer connected to it on my XXXX. On XXXX XXXX I tried to contact XXXX to get a refund for a damaged car part I had ordered. I got connected to someone who claimed to be from XXXX but really wasnt. He led me to download Any Desk App and enter a code XXXX on my XXXX account. When I complained he said that was necessary and that would be returned with the next transaction. He fumbled around and I got suspicious and finally cut off the call and called B of A immediately to report a scam. They told me they blocked two of his attempts but a third had gone through for {$490.00}. They told me to put in a claim for {$490.00} and on XXXX XXXX they rejected my claim saying they followed my instructions and they had not made an error. They ignored the issue that I was scammed. I recently read an article that according to your regulation E that I am entitled to a {$440.00} claim from the bank.My bank account ends in XXXX and my claim number is XXXX
Product: Mortgage

XXXX XXXX XXXX is trying to sabotage my mortgage by refusing 2 payments that I made through XXXX XXXX in the amount of {$2700.00} on XX/XX/XXXX. 

I would only be one payment behind and one payment currently due but if they are allowed to refuse my payments then it will put my home into foreclosure. 

I have spoke to them in the past and they have admitted that they have the right to refuse my payments. They are therefore deliberately trying to force me into foreclosure. 

I spoke with XXXX the supervisor at XXXX XXXX and she stated on XX/XX/XXXX that it was returned because it wasn't enough money. 

I only owe for XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX On the back of my statement I boxed in the amount that I am past due. 

With the payment amount of {$2700.00} that I made I would only be late for XX/XX/XXXXand XX/XX/XXXX which I was paying an additional payment in the next week. 

I have attached proof of letter from XXXX XXXX of rejection and a scanned copy of my recent XX/XX/XXXX mortgage statement for XX/XX/XXXX. 

Let it be known that I stated in my previous complaint recently about Carrington MS that they were going to do something like this to push my family into the streets and foreclose on our home.
Product: Credit card

Good afternoon, My account appears closed on my credit report : Wells Fargo Credit Card I have sent you two physical letters and a fax requesting Form 1099C, but I have not received any response, either negative or positive. 

The account has been closed since last year, and I want to use that form to file my XXXX taxes, which are only due by XX/XX/XXXX. 

I would like to know if I can access this document through you. 

Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account.
Product: Checking or savings account

My account was unfairly charged {$12.00} with Chase Bank for a returned check, this occurred on XX/XX/2022. I ask for your support and guidance. 
mi nombre es XXXX XXXX
Product: Debt collection

XX/XX/2023 check for {$28.00} at XXXX refused payment by XXXXXXXX XXXX. I was never notified and XXXX does not keep a record it ever transpired. XXXX never notified me nor did their collection vendor XXXX Upon visit to store attempted check pay was denied. I was given paper advised call XXXX to pay. Upon contactcwas advised they would redeposit in a day or two. They never did. Follow up at store with XXXX advised call XXXX XXXX XXXX XXXX. They sent me to their XXXX XXXX who sent me back to XXXX XXXX who sent me back to XXXX. After a half dozen failed attempts I contacted the XXXX XXXX XXXX and we repeated the process. Attelps once again failed. Contacted store. She sent an email to corporate who's job to collect returned checks. They said call certify but she never ressponded. I then recieved Debt Collector notice they bought debt! I called store and spoke to XXXX XXXX. He is trying to assist. I then notified him I was calling debt collector to cease. SENT to answer machine. I left message AND IN FO to CEASE and DESIST notice. They do not provide any acknowledgement of receipt. Waiting on feedback from XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX, I sold a XXXX XXXX XXXX Unlimited that was financed through Santander Consumer USA. A bill of sale and a Cashier 's Check for payoff was Priority Mailed to the Corporate office. Santander Consumer received the payoff on XX/XX/XXXX. They didn't release the title until XX/XX/XXXX. The people that bought the XXXX are asking for the title. I called on XX/XX/XXXX to request a duplicate title, the manager said that the title was mailed out on XX/XX/XXXX and that i would have to wait. I requested the title be delivered by today. They refused. I don't feel that they should wait a week before releasing the title and I want it rectified ASAP. I will never recommend or use Santander Consumer USA.
Product: Money transfer, virtual currency, or money service

I sent my mother {$330.00} on XX/XX/ via Venmo. The money came out of my bank on XX/XX/. Then on XX/XX/ Venmo removed a second {$330.00} with XXXX verification. Does not even show up on Venmo transaction history. I contacted the company and they told me it was an engineering glitch and that is all they would tell me. Acknowledging that the money was taken but no refund. And no timeline on when money will be refunded if at all. I am not the only person this happens to. They stole thousands soon thousands from people and will not give any answers besides it is an engineering glitch.
Product: Credit reporting

equifax fails to update my credit report numerous medical from corrupt debt collection agencies that do not belong to me mortgage payments that continue to not be updated even with documentation from mortgage company ( XXXX ) old outdated information from over 10 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I called Equifax to lift a freeze on my account. At that time I was asked to verify my identity - I did and I had the freeze lifted. 
On XX/XX/XXXX at approximately XXXX, I called to confirm that the freeze was still lifted as I am purchasing a home - and spoke with 'XXXX  ' who asked me to verify my identify, which I did by answering multiple questions [ Full Name, DOB, SSN, Address, etc ]. 'XXXX  ' then asked additional questions regarding the type of loans I had, the amounts of the loans, the banks the loans were with, the amounts of the loans and the amounts of the payments. I gave him the name of my student loan company, the # of loans I have with them, the estimated payment. 'XXXX  ' continued to ask about other loans - I gave him the name of my current auto loan, the approximate payment amount ; I gave him the name of my credit card issuer and the approximate balance owed, and I gave him the name of my store card issuer and the balance owed. He continued to ask for more information and I became frustrated asking him the purpose - I got none other than " verifying my identity ''. After placing me on hold, 'XXXX  ' came back to tell me he could not " verify '' that I am who I say I am - and that I had to place my request in writing and submit additional documents to " verify '' by identity - and then wait for a written response in 4-7 business days - an then I could learn if my Equifax file has a freeze on it or not. I then asked for a Manager - MORE than 5 times - and 'XXXX  ' would not comply - stating I could only talk to a supervisor. He refused to give his last name and ID #. I worked for a credit company and know how to verify callers ; I also know there are Managers on duty in a Call Center. I can not wait for 4-7 business days to receive MY credit information as I am purchasing a house. This is absolutely ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX I am writing to have this derogatory reporting removed from my credit report. This account is listed as a charge off. A charge off is considered a certificate of indebtedness. It also means it is income and income can not be reported to my credit report. Please refer to IRS Publication 4681 attached.

I also did not give you the credit reporting agency consent to disclose derogatory information that has prevented me from getting credit. I was not given the non- disclosure option and the right to opt out per 15 USC 6801-Protection of non public personal information,15 USC 6802- Obligations with respect to disclosures of personal information Per CFR 313.7. I was also not given adequate notice as the consumer to opt out of the reporting.

American Express completed tax form 1099 C and discharged this by XXXX of the tax year. Again, a charge off is a certificate of indebtedness which is income and income can not be reported on my credit report. I am requesting that the item be permanently removed from my credit report from all 3 credit bureaus. 

Thank you, XXXX XXXX XXXX
Product: Credit card

US bank advertises offers for business credit cards on their website and other affiliate sites. On XXXX XXXX 2015 I applied for a business credit card and a week later I received a rejection noticed with the following cited as the cause : " Residence is outside of trade area ''. I contacted US Bank and inquired about what this meant, the representative said that it means they have no branches in this area. I asked why then I get offers from their bank mailed to me. The representative indicated, that if the application had been submitted in response to a " mailed offer '' they would have processed the application, but because I went on their website instead, the application had been rejected. 

I believe that the merchant 's practice is deceptive. When an application is completed on their website they collect ALL my information, including address and phone numbers. If as a bank they do not review applications from customers located outside a specific area, they should not be allowed to send their mailings to such area and they should not be collecting sensitive information without first ensuring the applicant can be serviced by them. ( all it takes is an address script to be ran on their website and for the first information data set to be the address ) Anyway, the public should know upfront if they have service area restrictions, instead of pretending they can serve all areas.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Transunion is in violation of FCRA 15 U.S. Code 1681g. 15USC1681 ( a ) ( 1 ). I am a victim of iIdentity theft. I have contacted the NJ courts, XXXX, and received in writing that they do not report to any credit bureau
Product: Vehicle loan or lease

-- As a customer paying off an auto loan account in full, incurred interest charges that were applied as the payment was processed. Could ruin the mortgage process for a 30 day late payment. 

I attempted to pay off my auto loan, using the payoff amount as listed in the more details tab on XX/XX/XXXX. After submitting the payment of $ XXXX. My installment account balance stated {$0.00} for several days after i paid off the account. However 30 days later i receive a notification to personal capital about a fee from Fifth third bank about a late fee. I reached out to the bank about the {$35.00} late fee and was just told it would be removed with no real explanation about why it occurred. Again I checked my app and it states a balance of {$0.00}.

The Next week I received a notice that my account is now in default for the amount of {$3.00}. I try to pay this amount off on the app and get a system failure because the balance states {$0.00}. I receive a call to get this amount paid off and finally pay the small amount of interest. I had the ability and willingness to pay this interest amount but was uninformed that any amount was due.

Now as a consumer in the middle of trying to secure a mortgage loan I receive a credit bureau report of a late 30 day payment. 5/3rd bank has an intentionally deceptive UI screen that will hide the incurred interest in a smaller drop down window, unhelpful customer service reps, and a system that is unable to take a {$3.00} charge. As a consumer who has unblemished credit, i may miss out on historically low rates due to these practices.
Product: Credit reporting or other personal consumer reports

THIS IS XXXX XXXX AND I AM DISPUTING THE ACCURACY OF THE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. I AM REQUESTING THE DOCUMENTS UNDER OATH THAT GAVE THESE PERSONS PERMISSIBLE PURPOSE. DOCUMENTS BEARING MY SIGNATURE FOR CONSENT. I AM DEMANDING FOR XXXX, XXXX AND TRANSUNION TO STOP AND DESIST THE REPORTING OF THESE UNAUTHORIZED INQUIRIES IMMEDIATELY. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

on XX/XX/XXXX, I have used a promotional balance transfer offer of 0 % till XX/XX/year>. I paid off my 7 % XXXX XXXXXXXX account. To my surprise the first week of the year, I received an email from Citibank letting me know that the promotion was expired and regular rate ~ 23 % will be applied. I called and spoke with many supervisors and they relayed that they can not help me and some even justified the action. I explained that I was not aware that the offer expired and I would have expected that the offer do not go through if it has expired rather than forcing me into a rate that I did not agree to and it will cost me a extreme rate versus lowering my considerably low rate with XXXX XXXX 

The supervisor submitted a dispute, but to my surprise, I received yet a similar message and later mail reiterating that my balance transfer has expired and regular APR will be used instead. 

I spend over XXXX hours today XX/XX/year> over the phone being tossed around between reps and supervisors that disconnect the call and never call back or transfer to wrong place. 

I have been a loyal customer to Citibank and never imagined how they are trying to take advantage of me and processing a balance transfer wrongly and impose a higher rate on me. 

I asked them to fully document the call and relay my uttermost dissatisfaction and disappointment. 

This puts me in a bind and financial burden because I will have to incur additional fees to transfer the balance or payoff some how or borrow the money elsewhere. Need compensation to my time and fees that I will accrue at least.
Product: Checking or savings account

I attempted to make a transfer from my wells fargo bank account but the account was froze due to suspicious activity so it took me a couple weeks to move my funds from the account and somewhere else that wouldn't freeze my account so i could make the transfers i was attempting to make. Its my understanding that Wells Fargo who be paying me {$100.00} for the problems in the agreement that was made for their illegal activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help I have bankrupcty on my credit and I never filed bankruptcy I never lived at XXXX XXXX XXXX XXXX XXXX. I never had a XXXX loan, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, 2 bankruptcies are reall hurting me. I contacted the courts they said the dont give out information or credit information. I demand this be removed from my credit report. I believe its racially motivated I have a feeling when I call they brush me off. I have a deep XXXX accent. I work 80 hours a week Please help remove this information from my report. Please
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. WF/XXXX  XXXX Date Open : XX/XX/XXXX Balance : {$24000.00} and WELLS FARGO XXXX Date Open : XX/XX/XXXX Balance : {$1800.00}.
Product: Payday loan, title loan, or personal loan

Dear Sir/Madam, I am writing to raise a serious concern regarding the services provided by Synchrony Bank . My complaint centers around the wrongful application of a promotional financing period to my account and the absence of financial statements in my online portal. 

In XX/XX/XXXX, I agreed to a promotional financing period with Synchrony Bank, expected to last until XX/XX/XXXX. Regrettably, the bank initiated this period two months earlier than agreed, thereby shortening the duration I was promised. This unexpected alteration has caused financial strain and a clear violation of our agreement 's terms. 

Additionally, I have not received any financial statements related to this account, nor can I access them through my online portal. The absence of these crucial documents further exacerbates the issue, preventing me from fully understanding the implications of the changes made to my account. 

I have made significant efforts to address this issue directly with Synchrony Bank. I have spoken to several representatives, namely XXXX ( Employee ID XXXX ), XXXX, and XXXX, but my concerns remain unresolved. 

I respectfully request the CFPB to investigate this matter. My expectation is for Synchrony Bank to honor the original terms of our agreement, adjusting my promotional financing period correctly, and reversing any additional charges incurred due to their error. Furthermore, I seek assistance in obtaining access to my financial statements, either through postal delivery or via my online portal. I don't even have access to an account number, XXXX is all I have. 

Thank you for your attention to this matter. I trust in the CFPB 's commitment to consumer protection and look forward to a prompt resolution that will restore my faith in the banking sector. 

I have also attached a picture showing my account and a lack of statements that specify any terms.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I received an email from the company XXXX. They stated I was approved for a loan of XXXX that I did not apply for and sent me the loan agreement. I emailed back asking about the loan. They stated to receive the funds I would need to go through a verification process and they would deposit XXXX into my account and I just had to send the XXXX back. Due to my new bank card not coming in yet, we had technical difficulties so the process went into XX/XX/XXXX. After looking at the XXXX, I noticed that all they did was transfer XXXX from MY HELOC into my checking account and tried to claim that money as theirs. The account nunber where the XXXX came from is the account number for my HELOC. They did not mention anything of HELOC until I called them out on using my money. They tried stating that they settled some " dispute '' with my HELOC. There was never any dispute with my HELOC because my bank never called me about any " disputes. '' Also there was no paper work showing there was any disputes being made. I was not made aware of " trying anything '' with my HELOC. I would have said no. Nothing in the loan agreement talks about HELOC. After calling them out on them being scammers and trying to tell them they did not deposit any money and that I am not paying them, they stated they are going to try and take legal action against me in regards to the money when it is not their money. It is my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( XXXX ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
Product: Credit card or prepaid card

I erroneously made a payment of {$11000.00} on XXXX/XXXX/XXXX to the wrong Citibank card XXXX an old citi 'double cash ' card ) rather than the intended recipient XXXX XXXX XXXX. When I realized the error I called Citibank on XXXX/XXXX/XXXX who advised the funds would be refunded into my checking account in 3-5 business days. I waited patiently then I spoke with an agent at Citi, who was unhelpful. I asked to escalate the matter, then spoke with a XXXX, XXXX ( 'I cant give you my last name ' ) at XXXX XXXX XXXX XXXX ( XXXX ) on XXXX who advised the refund had to be 'cleared by a manager '. She proceeded to make excuses, then called XXXX to verify the payments previously made in error had 'cleared '. Then she supposedly processed an 'expedited review '. I am still awaiting my refund!