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

XX/XX/19 XXXX County Park and Recreation Department Case Number : XXXX Hello, This is XXXX XXXX writing in regards to the charges that were applied to my bank account in the amount of {$65.00}. Please see the attached letter that was provided to me from my bank. I did I fact call the recreation center and spoke to a lady who stated that I would have to dispute the charges with my bank. I told her that I found a different child care option and would need to cancel. I will also get a copy of my phone records to indicate the time and date that I called the center to cancel services. No one also called and wrote me a letter to verify that the information present to Bank of America was in fact true and correct. There is also no contact name and number listed on the form from XXXX County. I will be faxing XXXX County Park and Recreation Dept a copy of this letter In the meantime, I will for this to the Consumer Financial Protection Bureau and the XXXX XXXX XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- After informing Bank of America, that my daughter did not attend the services two months ago, they sent a letter which I received today XX/XX/19 ; that they are refusing to issue a credit. I have another situation that also happened where I have proof that I did not receive services from XXXX XXXX with supporting evidence as a SIM card was sent out to me, I tried to return it in-person, via telephone and never used it as it was the wrong SIM card for my phone. Instead, XXXX refused to issue a credit and again so is Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company CAINE WEINER ( Original Creditor : XXXX XXXX ) account numberXXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Checking or savings account

XX/XX/XXXX I noticed several checks written against my account, signed by an unauthorized person and cashed from account. Several checks went through in the amounts of {$900.00}, 2 checks for {$700.00} and one for {$500.00}. Filed police report ( XXXX ). Spoke with XXXX XXXX at the bank and stated I was going to have this money sent back into my account within 7-10 business days. Then, the status changed where I needed to sign a form, have it notarized and sent back to state employees credit union. I'm currently in sc ( travel nurse ) and explained this to the representative. They couldnt send these forms to my address, it had to be the one on file at the bank. I filled out the forms, notorized it and sent it in. End of XXXX, I receive a phone call from assistant bank manager. Called back, no response in XXXX. Called back 3x more, still no return call until XX/XX/XXXX stating it's been too long and the credit union no longer can assist me past 60 days. Now I have to go after the person who stole money out of my account with CLEAR checks that were written without my signature, name, authorization and even printed in checks with incorrect spelling. I need assistance to get my money back that the credit union did not protect or follow through with protecting my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I accidentally paid $ XXXX XXXX {$150.00}, on Cashapp. It was an accident, as I meant to pay XXXX XXXX at $ XXXX. I immediately requested a refund, to which I have not received, even with repeated requests! I emailed customer service, and was told there is nothing they can do! I want to know who I sent my money to, did they actually receive it, or did the app keep it ; something that I can use to pursue legal action against. They say I just lost my money because I did not send it to the right person, period! 

PENDING TRANSACTIONS XXXX XXXX - XX/XX/XXXX For Refund Yesterday + {$150.00} XXXX XXXX - XX/XX/XXXX For $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Sunday + {$150.00} XXXX XXXX - XX/XX/XXXX For You know what! 
Sunday + {$150.00} XXXX XXXX - XX/XX/XXXX For Refund Saturday + {$150.00} XXXX XXXX - XX/XX/XXXX For Refund Saturday + {$150.00} XXXX XXXX - XX/XX/XXXX For Still waiting for refund Saturday + {$150.00} XXXX XXXX - XX/XX/XXXX For ... until they file with the XXXX. 
Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For The XXXX wants me to keep requesting my refund ... 
Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For XXXX refund Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For Theft report filed. Call XXXX XXXX. 
Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For XXXX refund! Police report has been filed! 
Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For XXXX refund Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For XXXX refund Thursday + {$150.00} ORIGINAL TRANSACTION - XX/XX/XXXX XXXX XXXX Refund Requested Wednesday {$150.00} ORIGINAL TRANSACTION - XX/XX/XXXX XXXX XXXX Paid/Completed Wednesday {$150.00} COMPLETED - The correct XXXX XXXX - $ XXXX - XX/XX/XXXX XXXX XXXX Replied Saturday {$1.00}
Product: Vehicle loan or lease

Mission Financial Services XXXX Corporations XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX, United States. 

Dear To whom it may concern, Re : Cease and Desist Notice Regarding my " Signature and personal information '' and Rescission of the Contract ( Rescission is a legal remedy that allows parties to a contract to undo or terminate the contract, typically due to a material mistake, fraud, misrepresentation, or other valid legal grounds ). 

I am writing to formally demand that you cease and desist from the use of my signature or initials and rescission from all documents and including the contract which was breached at day one due to unfair ( Consumer Credit Transaction ) behavior or practice in question which is in violation of my rights under South Carolina law, specifically the South Carolina Consumer Protection Code ( S.C. Code Ann. 39-5-10 et seq. ). Your actions have caused significant harm, including [ bedbug infestation in my home, financial loss, emotional distress, violation of privacy, etc. ]. It shall be an unlawful trade practice under Section 39-5-20 for any person engaged in the business of lending money to make it a condition of obtaining a loan for the purchase of an automobile that the borrower carries full coverage comprehensive or fifty dollars collision coverage. 

Specifically not informing me that I was making a Consumer Credit Transaction ( The Sum Of All Charges ) which did not include 1 ). Insurance ( full coverage ) 2 ) disclosure of all transactions 3 ) transaction was not cash in hand 4 ) Debt Validation. 5 ) knowingly selling a defective truck which cost over XXXX in repairs. This has been problematic which include unlawful deceptive advertising, harassment, unauthorized charges, or any other consumer rights violation. 
As outlined under South Carolina law, it is unlawful for any person or business to engage in unfair or deceptive trade practices that are in direct conflict with these protections. 
( I do pocess documents that shows contact from the Company was made on XX/XX/year> ) also a copy of the complaint that has been notarized...
Product: Checking or savings account

I found a complaint with you guys against U.S. Bank for overdraft fees that total up to {$4000.00} for 2024 as of right now U.S. Bank only refund me {$210.00} and their explanation is what we refunded you for XXXX and no other explanation of why my account was like that and Im excessively getting overdrive fees of {$36.00} sometimes XXXX a month.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccurate in my credit report.despite my submissions, experian consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
this practice violates the fair credit reporting act ( XXXX XXXX XXXX XXXX ) for {$1200.00}, XXXX XXXX XXXX XXXX ) for {$350.00}, ( XXXX XXXX XXXX ) FOR $ XXXXwhich mandates a reasonable investigation of the dispute. I request that the CFPB take action to ensure Experian comlies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

As of XX/XX/year>XXXX  I have yet to receive my direct deposit from my employer into my capital one account. This has caused me to not be able to pay my bills, get gas, groceries and I will have to cover NSF fees.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XXXX XXXX2024 and noticed some things are incomplete reporting. 
This list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX ACCOUNT # XXXX AKA XXXX XXXX Whenever a consumer reporting agency prepares a consumer repost it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15USC 1681 E B.

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

On XX/XX/2021, I received a text message alert from Bank of America notifying me that someone attempted to deduct XXXX separate deductions of {$47.00}, {$47.00}, and XXXX totaling {$120.00}. I replied to the text message with a No answer that I did not make or authorize those deductions from my checking account, the attempt appeared to have been attempted through my debit card. Once I replied with a no answer, my card was locked, and I was unable to use that card. I then called Bank of America to follow up on the alert, I filed a claim with an individual named XXXX XXXX XXXX XXXX XXXX standard time on XX/XX/2021, I explained to her that I did not make or authorize those XXXX charges, and I wanted them refunded or at least not deducted from my account. XXXX agreed to help me out with the issue, she notified me that those XXXX charges of {$47.00}, {$47.00}, and {$27.00} did in fact go through, and that she had to file a claim with the fraud department for {$120.00}. I took a snapshot of the charges processing on my activity page on XX/XX/2021, and it shows the XXXX charges in reversal, but then it shows them deducting after. I then followed up on XX/XX/2021, and I noticed my checking account was missing {$120.00}, and the activity of reversal and the XXXX charges of {$47.00}, {$47.00}, and {$27.00} no longer on there, they were essentially erased, but the XXXX deductions did occur, therefore {$120.00} was missing from my checking account. The fraud department concluded their investigation in around XXXX days, and they said that no match was found for the amount of {$120.00}, that the amount I filed a claim for wasnt missing from my account, I said it was missing, but someone deleted that activity from my account, it doesnt show on my activity because someone let it process, but then deleted the XXXX deductions, making it seem like nothing ever happened. I attached XXXX attachments showing screenshots of the XXXX Deductions processing on XX/XX/2021, the amount that my checking account was going to have after they processed, and another screen shot showing the amount on XX/XX/2021, and the balance on XX/XX/2021, but the second screenshot no longer shows those XXXX deductions, they were erased from my activity, but if you observe, they did in fact go through because my account on XX/XX/2021 was supposed to have {$120.00} more, and it did not, it was missing {$120.00} on XX/XX/2021, that money hasnt been returned to me. Thats why I am filing a claim with you in search of some answers to what happened?
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, DEPT OF ED, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FOR UNAUTHORIZED CREDIT INQUIRIES FROM XXXX XXXX  XXXX  ON XX/XX/year>2023 AND XXXX2023****
Product: Debt collection

Hello Rep ; I was shocked when I reviewed my credit report and found that you're reporting a collection on my credit from an account that i never owned. I actually had sent an IdentityTheft affidavit in regards to this to the original creditor and it was removed. How come are you still reporting this now? It was originally from XXXX/XXXX, and i sent all the required paperwork that they had asked me. Please remove this collection from my credit once and for all. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Checking or savings account

I open an account with american express but for some reason they decided to end the relationship and now they are holding on to my funds and don't want to return it nor refund it.american express national bank is holding my funds HOSTAGE and won't release the funds nor return the funds. I have contact them by phone and by mail and still no response.Please help me with this situation.
Product: Debt collection

The original creditor can not find the accounts. XXXX of nevada can not find same accounts as americollect.
Product: Mortgage

I understand federal law states that financial institutions are mandated to apply the money toward the mortgage balance the day the money is received. 

Facts : I have a mortgage with Wells Fargo. Every other Friday XXXX of my mortgage payment is drafted from my Wells Fargo checking account ( there is no waiting period for the money to transfer from any other institution ). I 've never been late or not had the money in the account when the transfers were made. 

When I refinanced I set the account up to have payments made every two weeks in an effort to help pay the loan off faster. 

Summary : The payments are drafted every other Friday but the first payment is held for 14 days, when the other half of the payment is drafted, before being applied to the mortgage account balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - ( XXXX ) OPENED XXXX THIS ACCOUNT WAS ERRONEOUSLY DELETED FROM TRANSUNION & XXXX THIS BZNESS LOAN WAS FOR A SEMI TRUCK & WAS PAID ON TIME
Product: Vehicle loan or lease

Hyundai finance have lost car payments then falsified documentation. I went paperless so they go on the website and erase change and do Whatever to make their company right! Nothing but fraud. I have attempted on many occasions to get this situation taken care of since XX/XX/2020. I cant even get a supervisor to call me back! Ive put in a complaint after complaint they just close them and not even notify me about anything Little loan Do any investigating into the matter.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX reported the balance incorrect on my credit card which is causing a negative score against me. Please have XXXX XXXX XXXX XXXX XXXX correct the matter.
Product: Mortgage

I live in XXXX, XXXX XXXX XX/XX/2019 XXXX XXXX sent a group of men in a box truck to " inspect '' my home. After kicking in my door and removing valuables from my home, including but not limited to ( XXXX ) XXXX, ( 1 ) Laptop, various video games and and XXXX. In addition, they stole equipment by cutting ( 2 ) locks off an enclosed work trailer filled with approximately {$50000.00} worth of tools. I contacted the bank, and they told me to file a police report. I filed the report the next day. The bank has since refused to talk with police or me about the theft. It should be noted that this same bank ( XXXX XXXX  ) was subject to XXXX dollar settlement with several states, including Connecticut for engaging in this illegal/criminal behavior. I am asking for your help or guidance with this situation. It is extremely important and news worthy for the public to be aware of such behavior. I have about 40 pages of documentation, including police reports. to prove my assertions. Please contact me at XXXX. Look forward to hearing from you.
Product: Checking or savings account

I opened my account with SunTrust exactly a month ago because I wanted to take advantage of the promotion, they had for their checking account so that I can close my old account. Yesterday I received my direct deposit into the account, and I did a XXXX transfer that night, my account was placed on hold. In the morning I log in to look at my balance, so I see that all my money is there. I get to working and decide to call them in the afternoon to resolve the XXXX hold. later in the day, I received two emails to contact them, etc. I call and they tell me that the only way they can lift the hold is if I go into the branch. 1. huge inconvenience to have to go into the branch 2. I was in Rhode Island working, where there is no SunTrust bank nearby, they would not give me access to my account at all online. The Customer Service Rep ( who also wasn't nice in the beginning at all, I think ended up feeling empathy for me ) suggested I use XXXX to transfer my money out of the account in the meantime since I could still use my debit card, this way I don't remain without my money. I was able to add {$2000.00} to my XXXX balance and then they blocked my card with a remaining balance of {$1400.00}. I called and spoke to fraud prevention and they said my account was being closed due to misuse of the account. I don't care about the account because as soon as I saw their very outdated policies and handling process I had already made up my mind that I was going to close the account. I need to know when I will be receiving the rest of my balance in the exact amount of {$1400.00} to my mailing address because as of right now there is no other way for me to get my money. This was unprofessional and very primitive handling of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federal student loans have been transferred several times amongst XXXX creditors. XXXX XXXX, Dept of Edu, DEP ED NELNET. Each They currently reside with Nelnet. On my credit report the student loan accounts are listed under each creditor therefore showing my debt as tripled. They are also showing as collection accounts under each, when they are not in nor have they ever been in collections, but were just sold or transferred to another creditor. When I contacted each of these creditors they confirmed that my students loans has been either transferred or in good standing. However, no proper correction or update was made on my report.
Product: Money transfer, virtual currency, or money service

ViaPath XXXX aka TouchPay Holdings LLC, and GTL Financial Services as well as the other XXXX corporations has abused individuals and failed to issue restitution for the abuse of section 13a of the terms & services agreement The company has failed to respond to CFPB # XXXX & XXXX in a way that allowed consumer to dispute a debit transaction ( within 2 days this must occur )
Product: Credit reporting

I disputed XXXX filings on my credit report ; 1 ) XXXX for fraud due to wrong account number reported on report ; and 2 ) a claim that if false and paid in full. TransUnion and XXXX refused to remove the information after I provided proof that I did not have that account with the bank and the other claim I provided a negotiable instrument with contract on it stating that the claim was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, is fraudulent reporting on my credit as a charge off when this account had been paid in full. XXXX XXXX. They sent me to collection after I called and told them my daughter passed. I was having hardship. Then XXXX XXXX start calling on their behalf and that company was paid in full. And stated that it would be updated/remove from my credit. XXXX, is still reporting fraudulent, information.