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

On XX/XX/2018 @ XXXX, I made an ATM cash deposit into my TD Bank Checkings account in the amount of {$630.00}. At the end of my transaction a receipt was issused and it read " available '' balance {$630.00}. ( Please note the bank verifies each dollar deposited in the ATM and records it on my receipt ) Immediately I log into my bank mobile app to see the funds " available. '' From the same TD bank mobile app I transfer {$200.00} of the {$630.00} to my TD Credit Card to make a payment. At the end of that transaction, a confirmation number is given along with my new balance in my checking account, {$430.00}. 

Well the bank ends up hitting me with an overdraft fee of {$35.00} claiming the {$200.00} were not available at the time the bank decided to do the transaction. So I called TD bank and according to the bank rep he stated that the Cash deposits at ATMs after XXXX are actually " pending '' and not available. And, that if I went online I would be able to see that. Well that is not what is on my receipt from the ATM and also my checking account moved funds around as if the funds were available immediately after the ATM cash deposit. So why the fees?! Please know this has happen more than twice already and I was able to prove the bank reps wrong and they refunded the overdraft fee. And for the record, Ive have always opted out of allowing any bank to let me charge something without the funds being available. I watch my account thoroughly and try my hardest not to pay these bank fees. I think its unfair the play of words the banks are knowingly using and because of it are actually stealing from their own customers. 

What is " available '' is available and not " pending. '' No where in my TD banking app or during the payment to another account did it showed me any signs of the funds being unavailable but instead transferred " successfully. '' This needs to be addressed. If there is a law protecting this, it needs to be changed. Taking from people when there was no real reason by the customer to be hit with a fee is a criminal act and no law should protect it. How many hard-working Americans who don't read the fine print or don't have the time to look deep into these unjust fees are being robbed daily? And how much of this unjust money is being put into these bankers pockets needs to stop. Another unfair act is that my " courtesy '' was used up on behalf of TD Bank 's mistakes. If I ever make a mathematical error or irresponsibly swipe my card, than by all means I would like to use my one and only " courtesy '' on my own mistake and not the banks. I will sound the alarm!! I will be heard. Please someone from my bank, someone other than a local branch manger, get back to me in a timely fashion. 

Thank You, XXXX. XXXX
Product: Credit card or prepaid card

This is a Capitol one prepaid card. The problem was that they said I was late paying and I was not late... They recorded it late.
It was on XX/XX/2016 XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts are not mine and are unauthorized. The listed accounts were open with out my consent XXXXXXXX XXXX XXXXXXXX... ..Account Number 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, credit repair services, or other personal consumer reports

The payment history is inaccurate. This account is in forbearance under CARES Act. The current status is all wrong. Please provide the date of last activity and the date of first delinquency. And update for legal accuracy.
Product: Checking or savings account

I opened my citi bank account on Tuesday XX/XX/year> online without any problem. I created the online username and password and everything worked as normal. I had deposited a {$37.00} check that I had and it cleared and everything. I did nothing wrong.. The following day Wednesday XX/XX/year> I enrolled in XXXX and and didnt have any problem with that as well my account was funded from the mobile check deposit and everything was fine. I would even log into the account to make sure everything was fine. I received a XXXX  payment at around XXXX XXXX that same day for about {$460.00} now my account has {$490.00} but still no problems with closure or anything. So a couple hours passed and around XXXX XXXX the same day I checked my account because I was going to XXXX  to my fiance because we needed to pay bills and I didnt have a card for the account yet to get the money off since its only been open for a day and a half. It when I login its asking for verification. Stating that a pin was changed or something on my online has changed which is a TOTAL LIE! How the heck could I have change a pin to a debit card that I NEVER received. And now I cant even login to my account because I dont have the card or card number thats needed to verify!!! I need my money its literally the end and beginning of a new month so bills are due! Thats almost {$500.00} thats stuck on my account!!! So I called and tried to figure out what was going on and they kept transferring me and giving me new numbers to call! I was told by the agent that my account was going to be closed! And that I have to wait until the account is closed and I have to wait until they mail a check! I CANT WAIT THAT LONG! I need my money right now! Its so weird that as soon as I get money in my account all of a sudden I need to verify. They are falsely closing my account! I did nothing wrong! I want my money! This is going to put me behind on rent! And other bills is causing a huge financial burden for me Im literally unable to eat or do anything without that money! I called today Thursday XX/XX/year> and was given tamer another number to call! I need my freaking money, I will never use that bank ever again after going through this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate, false, and unverified information to my consumer report which is defaming my character and causing me to be denied credit. I have disputed this information with the company before and this company is ignoring my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from GFS II LLC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Debt collection

This is not my account, I did not stay at this address at this time.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX
Product: Debt collection

While Checking my credit report i noticed accounts, addresses and Inquires i did not authorize
Product: Checking or savings account

I'm currently unable to access my USAA checking accounts in which my salary is deposited. The account is tied to a phone number I no longer have access to therefore I'm unable.to authenticate using the number. I contacted USAA on XX/XX/XXXX and explained this. I was told to submit my ID and I would be contacted within 72hrs. I submitted my ID successfully. On XX/XX/XXXX and XXXX I reached out to USAA to inquiring about their recovery team 's outreach. On XX/XX/XXXX I was eventually told to call back later because the rep couldn't assist me. I provided SSN, the original phone number, the email on the account, and DOB. On XX/XX/XXXX I was told to resubmit the Govt ID bc the recovery team hasn't contacted me yet and that would introduce another 72hr wait time putting me at one week without access to my bank accounts. The rep said should couldn't contact the recovery team nor transfer me to anyone that could help bc she couldn't authenticate me. At this point I can not access my money and USAA has not provided any solution for this type.of problem. I do have an email address on the account but USAA will not send the security code to it for authentication..I have several bill payments coming from that account and I can not access any of my money.
Product: Student loan

My student loans is with Mohela. I have a Subsidized ( Loan 1 ) and Unsubsidized ( Loan 2 ). On XX/XX/year>, I made a large payment to both of my student loans. The Unsubsidized Loan 2 had a balance of {$950.00} left on it. I directed that exact amount to that loan to be paid off. At the same time, my auto pay of {$740.00} went through on XX/XX/year>, putting an amount on both of the loans, making my Unsubsidized Loan have a credit balance of - {$360.00}. I called them a few days later to reallocate the {$360.00} to my Subsidized Loan. They stated it would be taken care of in a few days. It still has not been reallocated. On XX/XX/year>, I made a payment of {$1000.00} after being reassured that if I setup any overages to go to the highest balance that it would all go to the Subsidized Loan. It did not. {$120.00} of the payment went to the Unsubsidized Loan making it a credit balance of - {$480.00}. All the while, my Subsidized Loan is still accruing interest. I called again today, XX/XX/year>, to again inquire when the - {$480.00} would be reallocated to my Subsidized Loan. While the customer service agent was friendly, it was still very vague as to when they would reallocate the funds to the Subsidized Loan. I am trying to pay off this loan as quickly as possible, but everytime I pay above my auto pay, it creates a negative balance. I would like some immediate resolution to this issue. I don't know of any other lender that can't immediately correct a mistake when payments are allocated to the incorrect account.
Product: Credit card or prepaid card

I had a dispute opened with Chase, about a purchase made on XX/XX/2021 by the merchant name of XXXX for the transaction amount of {$1600.00}. I got items from the carrier but the items I that I got were not the items that were listed on the website it was missing the graphics card. I would like to reopen this dispute. As The merchant was unwilling to accept a return for the package. As they did not send the full package as it was listed. The item missing was the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Chase is unwilling to go further with this dispute even though I have faxed them all the required documents and they have been unwilling to help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Experian, XXXX and XXXX were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Account # XXXX and # 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 XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 or 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: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX ERC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ERC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

Card issuer was unable to provide copy of governing terms and conditions for Pay by Computer service upon request. Their website makes reference to such terms and conditions but the link does not work. Customer service by phone was unable to understand the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion knowingly used my information to solicit and put damages on my credit report. Dark pattern is the termed used and it's against the law. Thanks
Product: Debt or credit management

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX reached out to me to XXXX XXXX XXXX XXXX to my financial situation. After going through the process I agreed and signed documents. I was then referred to XXXX XXXX of Alleviate Financial Solutions for onboarding. We agreed to have XXXX payments per month beginning XX/XX/24 to begin building an account from which Alleviate would use to negotiate debt settlement solutions with creditors. Throughout this, it was emphasized that I should stop paying my debts ( those we agreed to incorporate into the program ). After XXXX years of never being late on a payment, I stopped paying the bills. On XX/XX/24, no payment was withdrawn from my account. On XX/XX/24, I called Alleviate who advised that my enrollment had not been completed but they could not figure out why. After about 30 minutes the agent advised another team would call me. Now one week later no one has called me and I have reached 30 days late on several credit cards that I would have otherwise paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Product: Debt collection

This account has never been my account this was a fraudulent account. My services were with my employer which was XXXX XXXX XXXX in which I was working in Texas at the time they state that debt was acquired XX/XX/2017- I was not living where they have XXXX XXXX. Because they don't have XXXX in XXXX, TX. When contacted for resolve phone just rang and rang. The agent was very rude and unhelpful in finding where the debt came from, tried to verify the information. None of it matched in her system not even the last 4 of the social.
Product: Checking or savings account

On XXXX/XXXX/XXXX {$4900.00} was removed from my USAA checking account without authorization. Someone called USAA on the phone & convinced them to send a cashier check to a person & place that I have never heard of. I have all of the specific info regarding who the check was made out to & the address the check was sent to. 

I & the others on this account spent much of XXXX/XXXX/XXXX on the phone with the bank that sent the check. They said they would try to get the money back but it is probably gone. There were also a couple other fees charged to us at the same time, for the unstoppable check & expedited mailing. 

I filed a police report. The money is still gone.
Product: Bank account or service

I had a month-to- month gym membership with XXXX at XXXX. I was moving to XXXX, and was told by two Managers that all I needed to do was submit a letter stating I needed to cancel. My membership had no contract but I did sign up for personal training and had a contract for that. They said it applied to both. I submitted the letter to XXXX with the date of XX/XX/2016 stating I was cancelling and did not authorize any more charges on my debit card. Come XX/XX/2016 they charge me the personal training fee 's of {$670.00}. I called Citibank and disputed, furthermore I had lost my debit card. So how was the {$670.00} charged? Citibank opened the dispute case and gave me a provisional credit of {$670.00}. I had n't heard from Citibank until XX/XX/XXXX, they sent me a letter stating to send my letter of proof that I cancelled. So I did send the letter. Now a month later, Citibank has reversed the credit of {$670.00} stating my proof was not enough. First, that charge was not authorized, second my card was stolen, is n't that Fraudulent on XX/XX/XXXX part, and third is n't Citibank supposed to notify me in writing that they found the charges valid and would be reversing the transaction?
Product: Student loan

I setup an auto debit for my monthly payment ( amount to {$400.00} ) to be paid each month on the XXXX. For four days this month ( XXXX ) I checked the Nelnet account and my bank account and Nelnet had this message posted : " Important Alerts Payment Processing : When making a payment, it can take up to two business days to be applied to your account. For Auto Debit payments, they will be applied using your due date as the effective date. For all other payments, the effective date is the date you selected when scheduling your payment. If you've recently made a payment, your account may appear as " Past Due, '' because of the time it takes for processing. Weekends and banking holidays may result in longer delays. We appreciate your patience. '' However, my bank account showed no indication a transaction was pending. On XX/XX/2023 I received this email from Nelnet : " Your Auto Debit Payment Was Returned Dear XXXX, Your recent auto debit payment for your student loan ( s ) was cancelled or returned due to non-sufficient funds. Log in to your Nelnet.com account and select Documents from the menu, then Inbox to view more details and other methods for making you payment.

It is important to check your inbox regularly because these messages may be alerting you of action needed for any recent requests, repayment plan information, or other updates to your account.

You can always access your messages and account details when you log in to your Nelnet.com account. '' I have over {$5000.00} in my bank account and doublechecked that my account information was input correctly into Nelnet 's auto-debit page. Nelnet is now saying I am past due even though I have done everything correctly and in accordance with their processes. It appears the company is trying to get borrowers to double pay conducting a scam using auto debit and claiming this is the borrower 's fault when it is clearly the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX, and I'm including it again. XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them
Product: Credit reporting or other personal consumer reports

I request that the capital one bank account be removed from my XXXX, XXXX, and XXXX credit report for the violations of the Fair Credit Reporting Act ( FCRA ) under 15 usc 168. Which a creditor is legally obligated to report accurate information about a consumer 's credit history to credit bureaus. 
XXXX ) Capital One bank reported to XXXX that the last payment was on XXXX XXXX. However, Capital One bank reported to XXXX that the last payment was on XXXX XXXX. Therefore, it violated 15 usc 1681 to report accurate information to the credit bureaus about a consumer 's credit history.

2 ) Capital One bank also reported to XXXX that the account was closed on XXXX XXXX. However, Capital One bank reported to XXXX that the account was closed on XXXX XXXX. Therefore, that's another violation of the Fair Credit Reporting Act under 15 usc 1681. By again reporting inaccurate information to the credit bureaus.