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

I closed my Citi XXXX checking account some time in XXXX XXXX, and received an email confirmation on XX/XX/XXXX. I had been trying to close the account all week, but there was no option to do so online, and I had spent hours on hold during several occasions trying to reach a representative to do so. When I finally spoke with an agent to request the account closure, I was concerned I'd get hit for the {$100.00} fee for having a balance below the minimum. When I explained that to the agent, she assured me that the fee would be waived if it did hit the account because she understood my intent had been to close the account prior to having the fee assessed. 

I then began receiving overdraft messages stating that I owed the {$100.00}. I tried calling several times and finally reached an agent today ( XX/XX/XXXX at XXXX ). She explained there was an error in the way they closed my account that caused the fee to hit my account. She suggested she would fix it by mailing me a check for the {$100.00} so I could come to a branch and pay off the overdraft. I explained it was ridiculous to send me a check for money that doesn't belong to me just so I can go to a branch and pay it back. She saw my point and agreed to get a XXXX on the phone. I waited on hold for 45 minutes to speak with a XXXX, who then explained that my account had not been closed when I called because the call ended without their reading me disclosures. I don't remember the call ending abruptly, and do believe they read disclosures. The XXXX went on to explain the 1st fee did get waived, but the fee that caused the overdraft was for the following month because my account had not been closed. Again, she provided a solution of sending me a check that I could bring to a branch and payoff my overdraft. After once again explaining how ridiculous of a solution that was and that I planned to submit a complaint to the CFPB, she finally offered to send an email to backoffice to reverse the fee instead. 

I don't believe she will actually do it, so I am submitting this complaint to insure my credit bureau score is not impacted negatively by this. I also don't believe that my account had not been closed after my request because they didn't read disclosures. If that had been true, the account would not have gotten closed the following month either. Seems obvious that someone discovered that the account had not been properly closed when it should have been and fixed that, but forgot to also fix the fact that fees were hitting a " what should have been closed account. ". This is a ridiculous amount of incompetence for a major bank.
Product: Mortgage

The website https : thetexasmortgagepros.com advertise rates on their website without disclosing the criteria for the rate and apr. When I called and asked for a rate, I was quoted a whole lot different rate than what the site is advertising. After a lot of questions, I was told those rates are for " preferred '' borrowers only without disclosing what a " preferred borrower '' is or what constitutes a " preferred borrower ''. 

The advertised rate is nothing but a bait and switch strategy.
Product: Credit reporting or other personal consumer reports

I am disappointed. I rechecked my credit report again and again and I just feel even worse. I am starting to consider XXXX XXXX for the XXXX XXXXXXXX this is causing me. I am rejected by multiple loan applications because of the inaccurate information being reported in my credit file.
Product: Checking or savings account

On approximately XX/XX/ 2022, I deposited {$4000.00} into a U.S. Bank branch atm. The machine took an unusual amount of time to process the deposit, and after some time, returned my money and displayed an error message, that to the best of my recollection stated a foreign object was detected. The atm returned {$2700.00}, it kept {$1300.00}. I made this deposit in the evening. I went into the branch the next morning and opened a dispute with the branch manager. Since XXXX or XXXX, the bank has continued to deny my claim and their reason for denying my claim states " the requested amount ( {$1300.00} ) was dispensed. '' Could this bank be any more careless in investigating my dispute? I never requested {$1300.00}. I never requested any monies at all. I deposited {$4000.00}, the atm returned {$2700.00} due to an atm error, and kept {$1300.00}. How they arrived at the conclusion, time and time again that I requested {$1300.00} or even received {$1300.00} is beyond me. It shows they are not investigating my dispute at all. I've refiled this same dispute at least four times and I've received the same letter from us bank denying my claim for the same reason every time, despite the half dozen times I've called and talked with a U.S. Bank representative and explained to different customer service reps each time that I wasn't making a withdrawal, but a deposit. I requested to speak with a supervisor, I was never contacted by one, and the supervisor was always " busy ''. I requested the documentation used in the investigation, I only got the runaround. Of all the people I've talked to, and the different departments I was transferred to, no one has access to the documentation. It feels as if they purposely won't allow me to speak to a supervisor, or send the documentation used in their investigation of my dispute. These atms are checked every morning from what I understand. What's so hard about this? Clearly the atm had {$1300.00} in it unaccounted for. Then you see my dispute which was filed immediately the very next day with the branch where the atm is located. So from this point on, any energy I give to this incident will be in filing complaints with organizations that hopefully will take this claim seriously, and can help me reclaim the monies stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Designed XXXX account with XXXX XXXX XXXX Hospital is reappearing and reporting a collection account of {$89.00} that was previously disputed in 2014. All credit reporting investigate along with the receipt for payment to XXXX XXXX XXXX hospital as paid in full and remove from all credit bureaus. Now designed receivables is still reappearing on all credit bureaus reporting lowering my credit scores. Along with them is the PayPal credit cards that received their payment and reporting as late pay on all credit bureaus reporting, my credit scores. Please investigate and correct my reports. Thank you. XXXX XXXX
Product: Bank account or service

I was on medical leave from my employer and my health savings account card was turn off and closed, I was unable to pay the dentist and surgeon with the appropriate funds.
Product: Credit card

Loss job due to medical disability- had credit protection insurance with Credit Card company which I understood such claim would be covered - my claim for benefit was not processed nor were any fees returned as I paid for a credit product they did not assist with - SSDI claim took several months for determination and receipt of SSDI benefits to pay back credit card company. Due to the number of fees applied and increase accrued credit card company charged off balance and written off as profit/loss- Please update XXXX and XXXX credit bureaus to reflect XXXX balance. Provide me a 1099-C for debt cancellation. And refund me for fees paid/interest assessed for credit product.
Product: Debt collection

Filed previous complaint about XXXX icc system complaint cfpb # XXXX asking for debt to be sent back to the original creditor and cease their collection effort the resolution letter i received from icc system stated they would cease communication and and also terminate collection efforts. After the case was closed they have proceeded to continue collection and also added account to my credit reports even though they said they would not continue with collection efforts
Product: Vehicle loan or lease

Requested an Amortization statement to understand what I'm being charged each month with principal & interest because each time I make monthly payment the amount I owe increases instead of decreasing. I have always made my monthly payments on time or earlier than the due date. Informed by a woman in Capital One ( XXXX # XXXX ) that they don't have Amortization statements because there's is a per diem structure they use in the form of a Simple Interest Loan and they don't handle that type of document. I wasn't aware of that and asked where that was on the Retail Contract since that is supposed to be the legal document. 

Balance prior to last payment was around {$11000.00} and after making a payment of {$400.00} the balance jumped up to {$11000.00}, and I couldn't understand how that could be since I just made a payment. 

I tried to understand why my Retail Contract charged me such a high APR of 14.84 % since I had a credit score of XXXX back in XX/XX/2020 when I applied for the loan. Capital One informed it wasn't them but the dealer who charged me that much. Asked if Capital One should bear any responsibility since they are the ones providing the lending and informed they don't. 

Asked XXXX from Capital One what my remaining principal is, and she indicated she could not provide me with an answer but could only tell me what I owe. 

Feel frustrated and anxious because I can't understand why I'm being treated this way and not helping me to understand what and why this is occurring. I went through two different people in two different departments and they weren't willing or able to provide me with any answers. XXXX mentioned the " Back Office Dept '' is responsible for providing documentation but isn 's it all Capital One Bank? Why am I feeling like I'm speaking with more than one company? 

] XXXX indicated I signed the agreement and that makes it legal.I asked her shouldn't the terms have been explained to me, and she insisted since I signed the agreement it is all legal. 

The bottom line is I feel like I was swindled and there was not full disclosure and now I'm suffering with paying much more than I had anticipated for the car because instead of the balance going down it's moving in the reverse. They are charging me the loan, interest, and a {$4.00} a day for " WHAT! '' This is highway robbery at it's best!!! 

I believe that this is illegal and I need help! I can't keep this up much longer and I won't EVER be free of this loan! They " Capital One Car Finance '' went online and froze the option to open up the account where you could clearly see the {$4.00} a day charge
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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
Product: Credit reporting or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of multiple data breaches from XXXX and a XXXX therefore, I need the accounts that been exposed, compromised, and/ or illegally opened as a result of these breaches, permanently deleted.
Product: Mortgage

In XX/XX/XXXX I signed up for a trial payment plan to avoid foreclosure as I was behind on my mortgage payments. I was set up on a three month payment plan for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. My first payment which was mailed XX/XX/XXXX was lost in the mail. On XX/XX/XXXX I sent them a form required by the bank to replace the lost cashiers check. I never received a response back. I have called emailed and faxed multiple times. On XX/XX/XXXX I was advised to send proof of payment. On XX/XX/XXXX I sent proof of payment. My third payment was due XX/XX/XXXX. Since I never received the form I tried calling them again on XX/XX/XXXX to pay over the phone. All my calls were disconnected by recording regarding high call volumes. Ive tried calling multiple times today and left my phone number but still no call back. Please help me
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

- XXXX XXXX, Acct # XXXX has violated my rights - XXXX XXXX, ACCt # XXXX, has violated my rights - XXXX XXXX, Acct # XXXX has violated my rights- XXXX XXXX, Unknown Account, Reporting balance of {$19000.00} - XXXX XXXX, Acct # XXXX has violated my rights. 

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: 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 procedure 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 ( 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 procedure 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 seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the following items which do not belong to me or were opened without my permission. 
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 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 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 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 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 XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

Email to the XXXX that called me today XX/XX/2023 XXXX XXXX, I can tell you that though it was nice hearing from you after over a year, this experience has made me want to never sign up for a gym membership again. 

When I initially signed up for services, I came I believe a total of 3 times. I paid for XXXX personal training sessions and only used XXXX. Afterwards, I decided that I did not have the time to continue and not only called and left a voicemail to cancel, but I also emailed your ABC payment team and requested that all services be terminated effective immediately. 

Now today, I received a call from you informing me that I was not cancelled and that I owed for months of services that I never received. I have not received a call, text, or email until today and I was also informed that I would be sent to collections for services that I thought were cancelled over a year ago. Can your pleas have your district XXXX call me. I am requesting a courtesy to waive all charges XXXX XXXX is trying to collect from me. I have not scheduled any services, inconvenienced anyone, or caused the XXXX to lose any money and I am requesting that my services be cancelled and my account to reflect a XXXX balance. 

Thank you very much for your understanding and support regarding this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My Wells Fargo business account was closed in XXXX by the bank. They said that they will send me a check to my mailing address but I still have not received it. I tried to call them but the call just got transferred in between various departments without resolving it.
Product: Checking or savings account

On XX/XX/XXXX I made a cash deposits of Approx {$5000.00} and {$3000.00} at Bank of America into 2 business accounts that have no connection to my personal Account. I was asked to swipe my debit card because It was cash I was depositing. I swiped. The next day I noticed a {$1500.00} withdrawal from my personal account as a counter withdrawal at the time of the deposit into the business account. I immediately called the bank on XX/XX/XXXX To file the claim. To this day XX/XX/XXXX there has been NO resolution. 

Bank of America XXXX XXXX NJ XXXX # XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2022 I received a phone voice message stating it was XXXX and there was an XXXX charge made in the amount of {$990.00}. Call them back if I had not made that purchase. I called them back. 

They said they could get my refund back if I followed their direction. I would need a XXXX account. I did not have that option on my XXXX XXXX, but I did have the option on my Bank of America in Florida. They then started using the XXXX account to withdraw funds from my account unbeknownst to me. During the phone call they tried to assist me by accessing my computer because I did not have a XXXX account nor know about what it was nor how to use one. They withdrew money to XXXX in the amounts of : {$500.00}, {$990.00} and {$990.00}. 

When I realized what was going on, I called Bank of America immediately. They responded that there was nothing they could do. 

I called Bank of America Fraud line yesterday, XXXX XXXX twice, speaking with a different agent each time when I was made aware of Regulation E. Both representatives stated my situation was not covered by the Regulations E because my situation was a scam, not fraud. 

I would like to know why Bank of America does not follow the Regulation E, when I know another bank did so for a friend who had the exact situation happen to him?
Product: Debt collection

I.Q. Data international inc. had 2 judgements against me with 2 different case numbers pertaining my old apartment. I have paid them and the sent me a receipt indicating XXXX dollars are owed and they will only remove 1 of the 2 judgements they hold against me. When I call them they say I have to continue disputing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to the in adequate customer service and unfair practice, which violent the consumer financial protection act CFPA specifically Cashapp failed to take timely and official measures to prevent and address fraud on their platform, leaving my account, vulnerable and not protected furthermore that dispute resolution process was unfair and deceptive as they did not comply with the error, resolution requirements under the electric fund transfer act EFTA and regulation E these actions have caused significant inconvenience at financial loss and I seek appropriate redress for these violations
Product: Debt collection

REGIONS BANK Contact XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$11000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account closed with one main XX/XX/XXXX. Account does not reflect being closed at that date to stop gaining interest. First two payments were made XX/XX/XXXX. Payments have been made on time consecutively since XX/XX/XXXX the account does not reflect on time payments. It only shows that no activity have been made for the past two years. Was never notified by the company that payments were not received nor were there any alerts received on my credit report or through any of my credit monitoring services. The only activity from the company was litigation actions with no forewarnings on my behalf.