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

Dear CFPB - I want to report TCF Bank Illinois as an institution who practices maximize the amount of fees they can charge their customers. In the agreement I signed when I first opened my checking account, I was told I have until XXXX XXXX CST to bring my account to a positive balance each business day to avoid overdraft fees. However, each night when the bank does it's nightly processing it often processes transactions that have not appeared on your account pending or otherwise and then dates them as transactions from the previous business day. Therefore, you do not have a chance to bring your account positive because this processing is done after XXXX XXXX  CST. I have spoken with my local branch manager about this practice and they defend the bank by saying that they have " no way of knowing '' what transactions are going to be processed overnight. 

Since XXXX of 2018, I have been charged {$2400.00} in fees. Both my husband and myself direct deposit our payroll checks into this account. I refer to my mobile banking app multiple times a day to make sure I am up to date on the transactions coming out of my account and funds available. However, TCF bank 's lack of transparency about all pending transactions leads to exorbitant fees. 

I would appreciate your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I recently received a Citi Advantage Card for traveling. Within the first week, I traveled to Cali, Oklahoma, Texas, and back to Florida, racked up a little over 11k. Paid it off, no problems using my card. Today, I purchased a {$4.00} coffee with the card in Florida, and I get hit with fraud alerts. They block my account. I literally got this card because I travel so much. I call them up, I give them my secret word, my address, my name, my social, my phone number, everything that a normal bank or cc company would ask to verify your identity. Then, she asks if she can send a text to my phone and I said sure. She puts me on hold, and then says, " I'm sorry sir, I can not text that number, do you have a landline or another cellphone number. '' Uhh what? I applied to Citi with my cell, everything I log in to Citi website, I use 2FA which send a text to my phone. Plus, how do you send a text to a landline? I said no, this is my only phone. Then she rudely asks if I have other credit cards, and to provide her with my cc number and bank to verify my identity. Ummm. Why would I do that? Why would I give someone who sounds like a stranger my credit card information from a different bank? How is that secure? What if she writes it down? I just don't get it. Then she said " Well then, I can't help you, but you will receive a letter in the mail within 10 days and you can call back. '' Wait, what? I have to wait 10 days to use my travel card, when I travel everyday? What is the point of this card? and how is this verification process legal? I just don't understand. I have about 15 cc accounts with many different banks such as XXXX, XXXX XXXX, XXXX, XXXX, XXXX, etc. and never had such an uncomfortable customer service experience, felt so unprofessional, and like she was fishing for information that is not in their system. That's not cool. It shows that anybody can spoof my identity through Citi. What if I lost my wallet? obviously there are other cards in there. What if a thief gave their own cell number after the rep said she can't verify with my number ON FILE? Makes absolutely no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a reposession of a vehicle in XXXX. The vehicle was sold at auction and I was left to pay the difference which was {$8100.00}. The difference was wrapped up in a chapter XXXX bankruptcy that was discharged in XXXX of XXXX ( See court documents XXXX  XXXX  of XXXX  ). 

On the " Transunion '' credit report it shows that the account in question ( XXXX XXXX ) is a " Repo '' NOT discharges with the bankruptcy. XXXX is showing the same account, However, It states that it was discharged in the bankruptcy which is correct. The incorrect reporting from " Transunion '' has caused issues getting a loan for a car and most recently a Mortgage Loan. 

I have disputed this XXXX  times over the last few months with " Transunion '' and everytime it comes back as verified with no changes. I have uploaded the Bankruptcy Court Documents to their website, verifying that XXXX XXXX ( the creditor ) was Discharged. I have personally contacted the creditor via phone and email to have them report again to Transunion ( See XXXX Transcripts XXXX seperate files ). The creditor has been working with me to resolve this matter but " Transunion '' will not report correctly. 

I have contacted Transunion via Phone and talked to several people regarding this matter and got no results. They acctually referred me to you and gave me your phone number. 

I was ok with Transunion updating the account and reporting correctly. But at this point I would just like to have the XXXX XXXX XXXX completely removed from my account.
Product: Debt collection

1. Received free annual credit report on XX/XX/XXXX. ( XXXX, XXXX XXXX XXXX ) 2. Saw medical debt being reported by " Remex , Inc. '' for the total sum on {$510.00}. 
3. Debt is not mine nor have I ever resided at company reported address attached to Remex , Inc reported debt. 
4. Sent Remex XXXX Inc. Certified Debt Validation letter on XX/XX/XXXX. 
5. Asked company to ( a ) provide documentation baring my signature ( b ) original documents with dates of services rendered and ( c ) ALL information they obtained to verify that this debt was indeed belonging to me. 
5. Remex , Inc responded with their company typed transcripts of supposed services received and dates. They failed to provide any of the requested information in the original debt validation letter. 
6. Sent Remex, Inc Certified Failure to validate letter on XX/XX/XXXX. 
7. In Failure to validate letter I outlined how Remex, Inc were violating several of my consumer rights according to the FDCPA & FCRA. 
8. Filing a CFPB complaint. I would like invalid debt immediately removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHOENIX FINANCIAL IS NOT MY ACCOUNT PLEASE REMOVE FROM MY CREDIT FILE
Product: Checking or savings account

My checking account was supposed to be linked to my savings account. When my checking over-drafted {$1.00} Bank of America charged a {$35.00} overdraft fee without debiting my savings account for the over-drafted funds. Upon calling them to reconcile the problem, they told me I had XXXX over drafts in XXXX alone that Id paid {$170.00} in fees. The XXXX XXXX XXXX from the deposits department in Alabama did not believe that in XXXX I opened the account as an XXXX XXXX XXXX and was sold on having a savings account ( $ 5 monthly fee when under {$300.00} deposit ) for overdraft protection purposes. I have now paid in excess of {$270.00} in fees in the last year alone for a service I was sold to avoid this exact issue. This is how banks constantly fraud customers, especially young customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting an inaccurate account with Great Lakes Servicing. It is incorrectly listed as Open. It has been closed/transferred. I disputed the item with XXXX  but XXXX  did not investigate the item or even attempt to verify it with the company. I called Great Lakes Servicing and was hung up on by two supervisors ( XXXX ph : XXXX ).
Product: Student loan

PSLF : I work for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and it is listed as undetermined, which is impacting the status of my PSLF. I have uploaded supporting documents and completed the application to have my employer approved ( many times ). My employer is still listed as undetermined which is directly impacting the amount of payments I have left for the PSLF. I have waited on hold for 3 hours at a time to try to get this resolved. From last year until present day, I have never received any update on this. I just recently received a letter stating that I have to complete a full application for a review to of employement to be completed. I can not complete any other applications as it will not let me move on without the eligiblity of my employer. My 2 former employers have signed and completed it. I also tracked my activity and it states that one of the PSLF applications is a duplicate form and one was processed, even though they are 2 different employers. The one on XX/XX/23 was processed form the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX is listed as a duplicate form on XX/XX/23. I was then changed to a payment plan that was not eligible undeer PSLF. I spent hours on the phone and to get this resolved and put it into forebearanace until this was resolved.
Product: Debt collection

Paypal stole {$1100.00} from my bank account. This was Financial Aid money that was to be used for my school expenses. I have asked the company numerous times to refund the money that they embezzled from me they have refused. I have also contacted the XXXX XXXX XXXX. Paypal has gone to a collections agency and had no right to do so. The company refuses to dispute the money or to issue a refund for the money they stole. They told the XXXX XXXX XXXX that it was my fault and that I did the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX  and transunion several times trying to resolve an issue within my credit file. My personal information was exposed in several data breaches including XXXX data breach the ost well known. Since my information is in the hands of the dark web there are several accounts on my credit file reporting that I never opened and never gave consent or permission to be opened under my name. Most creditors have already resolved the issue for me but there is a few stilll remaining that are not following the law and are not investigating. I reached out firectly and they cant give me any inforation due to the fact i cant answer secuirty questions about the account when it was opened. This is not right and is a violation of my rights.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX Dismissed Reference # XXXX Date Filed : XX/XX/year> XXXX XXXX XXXX Dismissed Reference # XXXX Date XXXX : XX/XX/scrub>XXXX XXXX XXXX XXXX  Dismissed Reference # XXXX Date Filed : XX/XX/year>
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.

I demand the following accounts be verified or removed Immediately. 

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

INACCURATE REPORTING XXXX, XXXX, and Equifax are reporting different Date Opened, Balance, High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Date Last Active, Date of Last Payment, and two-year history for the same accounts. In the comments section failing to mark the account is being Disputed after receiving dispute letters. 


INACCURATE ACCOUNTS BEING REPORTED XXXX XXXX Acct # XXXX This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Department of Education XXXX 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
Product: Credit card

I recently submitted a complaint against Synchrony Bank on another XXXX of my credit cards. Unfortunately for me, Synchrony Bank is such a large institution that is attached to ALL of my credit cards, but XXXX. I have been paying on my accounts and have not been late. I have been trying to pay my credit cards to a zero balance. After I submitted a complaint with regard to a couple of my other cards, I most recently received ANOTHER statement from Synchrony with regard to my Walmart Credit Card. I recently owed approximately {$25.00} as a payment on my Walmart Card, my monthly amount due. I paid {$100.00} on my account, because I am trying to get it to a XXXX balance. After I submitted my complaint and payment, Synchrony Bank sent me the attached letter indicating that they were reducing my credit line amount. I recently check my credit reporting status and it is indicating that a portion of my poor credit status is based on the fact that that the amount of my credit lines are maxed out to the amount that I owe. I have been trying and trying to correct that, but each time I make a substantial payment or file a complaint with your agency, I am punished my Synchrony Bank with a lowering of my credit line. I am at a loss. Your agency has not helped me and Synchrony Bank, certainly has not. I thought you were established to protect the consumer. This has certainly not happened in my case. I have been trying my hardest, only to have Synchrony Bank, because they are much larger than me, hurt me, the consumer. I really wish your agency would do something about this! Thank you. As a post script, I DO have a few outstanding medical invoices being reported due to an accident. This accident claim has been settled and these should be removed from my credit shortly. Thank you for any help you can provide me. I am at a loss with Synchrony Bank and really am trying my hardest to increase my credit score. Each time I increase it a little, Synchrony Bank makes it decrease.
Product: Credit reporting

I attempted to make a payment using XXXX who without my permission established a credit line for me and made a hard inquiry to Equifax without my permission and XXXX notified me that they put that inquiry on my credit report without my permission and told me they are unable to remove it without XXXX telling them to. In turn XXXX tells me there is nothing they can do about it.
Product: Mortgage

Ditech did not run a correct escrow analysis on my account which shows my property taxes has changed which I have a {$600.00} surplus that needs to be issued as a refund and change my monthly payment to the correct amount. 

Ditect is still not reporting my correct mortgage balance each month to all 3 credit agencies. 

Ditech as not cancel my escrow account at my request which is allowing them to float my monthly payments each year.
Product: Credit card or prepaid card

I was caught in XXXX during the outbreak of the coronavirus. I booked my hotel tickets through an agency called XXXX, and paid this entity via my Citi card. 

When the coronavirus outbreak occurred, I tried to call XXXX to cancel my reservation or change it so I coukd return early to the USA ; the border to XXXX had just closed and zi didn't want to be stuck in XXXX with my XXXX children. 

XXXX was non-responsive. No body picked up and, later ( when I was finally able to access their website ) it just apologized for any inconvenience. 

I disputed the charge with XXXX with my Citi card. Citi just closed it today, for no reason - nobody reached out to me to determine what happened. And XXXX XXXX website pretty much outright says that there's a loophole, that if you didn't use your reservation then too bad - you still have to pay. 

How is Citi providing protection to its customers? I want my {$1300.00} back. Citi closed my dispute without asking me ANYTHING. 

I am a single mother and this trip was something my children and I had really really wanted. We would have loved to have stayed in XXXX. But we couldn't. 

I want Citi to refund me my {$1300.00}.
Product: Credit card

I submitted a conditional payment to Synchrony Bank/Amazon in the amount of {$50.00} via money order, clearly marked as accord and satisfaction under UCC 3-311 , referencing my disputed account balance of {$7600.00}. The payment included a restrictive endorsement stating that deposit of the instrument constituted full settlement of the disputed claim.

Synchrony Bank/Amazon cashed the instrument and retained the funds, but has failed to acknowledge the settlement. I then sent a formal Notice of Dishonor dated XX/XX/2025, which was received by Synchrony Bank on XX/XX/2025. They have not responded to that notice.

Their continued activity or failure to correct my account violates UCC commercial settlement law, the Fair Credit Billing Act, and potentially the Fair Credit Reporting Act. I am requesting the CFPB ensure Synchrony Bank ceases collection, updates my credit report, and acknowledges the settlement.
Product: Debt collection

I have asked this company HP sears several times do not call my phone they continue to call on different numbers every single day I have already filed three complaints against this company they continue to call and harass me every single day from different numbers
Product: Debt collection

Holloway Credit is attempting to collect a debt they can not legally verify and the statute of limitations has expired. Collection suits are generally based on breach of contract or stated account, both of which fall under the six ( 6 ) year statute of limitations provided in Alabama Code Section 6-2-34. Inside Alabama Code Title 6. Civil Practice 6-2-34, it states : The following must be commenced within six years : ( 1 ) Actions for any trespass to person or liberty, such as false imprisonment or assault and battery ; ( 2 ) Actions for any trespass to real or personal property ; ( 3 ) Actions for the detention or conversion of personal property ; ( 4 ) Actions founded on promises in writing not under seal ; ( 5 ) Actions for the recovery of money upon a loan, upon a stated or liquidated account or for arrears of rent due upon a parol demise ; I believe statute five ( 5 ) represents this situation most appropriately.
Product: Mortgage

I engaged my second mortgage company back in XXXX regarding me selling my home via short sale as instructed by my first lien holder. I worked diligently with the relationship manager assigned to me to get all required documentation to them. The last item they needed was the approval from the first lien holder, which I did not have and I instructed them that I would send it as soon as I received it. I continued to keep the second lien holder abreast of the first lien holders position, but after my file being opened for over 3 months they told me that they would have to close my file and I would need to start the process from scratch! I pleaded with them not to close the file as I was told by the first lien holder that I would have the approval within a couple of days. They still closed my file and I received the first lien holder approval and a close date that next day and called the second lien holder who told me that my file was closed and all I could do was to resubmit. I resubmitted everything that day and then the back and forth with the second lien holder started again where they would tell me that they did n't receive one thing or the other. Every time they said they did n't get something that I had sent, I would immediately send it so as not to delay the process knowing the closing was already set by the first lien holder. Finally, 2 1/2 weeks prior to the scheduled close date, they said that they had everything but would need to perform their own appraisal because for some reason they said that they could not accept the one performed by the first lien. Again, I pleaded that the deadline to close was quickly approaching and they still claimed they had to do their own BPO. I and my realtor have been following up with the relationship manager at Citizens the second lien holder for the last 2 1/2 weeks about the appraisal and still none has been done and they still have yet to issue their approval on the short sale. The fist lien holder has instructed that they will foreclose if we do n't close by the deadline, but may be able to push the closing out if it slips, but no promises. I feel that the second lien holder has been dragging their feet with the whole process and is not being compliant or working diligently to assure that the short sale closes. Seems they are trying to force a foreclosure by their negligent acts and I would like for someone to look into this. As of today, I have been reaching out daily and was told that they file is with the processor, but still no appraisal. The closing date is set for next Monday, but still not approval from the second lien holder and dragging feet. Please look into this!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts listed below has violated my civil rights. List of accounts that need to be removed asap : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also this address needs to be deleted Ive never lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX