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

I am enrolled in overdraft services. I realize that I agreed to pay the fees involved. However, it seems to me that the fees I have paid over last 6+ months are not justified and in my opinion disgusting because they are taking advantage of my weakness and making my problem worse. The total overdraft fees since XXXX 2019 is {$4300.00}. In past years it was similar experience and I would complain sometimes and get a refund - usually a small fraction of what I paid in fees. Lately, I contacted my local manager XXXX  by phone than via email on XX/XX/2019 - XXXX XXXX XXXX store manager at the XXXX, NJ TD Bank - and have been all but ignored and I really can not afford their fees. I tried emailing again on XX/XX/XXXX and XXXX without response. 

Often, the fees are what cause my account to be overdrawn and then more fees are taken whenever something goes thru. For example, right now my account balance is - {$1100.00} and the fees I have paid in the 2 weeks between XX/XX/XXXX and XX/XX/XXXX totalled {$630.00}. 

Also, if I go to ATM, often the bank will not authorize one large withdrawl. I will be forced to do 2 transactions which cause more fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am authorizing this complaint on my behalf I cant believe you guys taking advantage of me I am very upset the credit bureaus have not responded back to me about my investigation I sent letters its been more then 60 days I need these accounts deleted & updated. These are the items I demand to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Adjustment is trying to collect on a PAID debt. Please see CFPB Complaint XXXX against XXXX and XXXX XXXX XXXX for the {$430.00} debt. On XX/XX/18 the XXXX responds and states, On XX/XX/2018, XXXX XXXX claim that the debt was paid prior to assignment for collection was confirmed with the original creditor This collection was already disputed, won, and removed from my reports. I contacted Diversified and let them know that they have bought an erroneous collection and that this matter was already disputed and won. They never responded to that, or my request to verify the debt. They have now knowingly violated my consumer rights. This needs to be deleted immediately.
Product: Credit card

Back on XX/XX/XXXX and XX/XX/XXXX, I received an answer of Deletion from all three credit bureaus for a Bank of America Credit card that was fraudulently opened by my ex-wife that I had disputed earlier this year through the CFPB. 5 months later, Bank of America has reached out XXXX and XXXX XXXX requesting to have the item re-instated on my credit report after they have all been deleted. I even sent copies of a police report showing where my ex-wife fraudulently opened accounts in my name and used and messed up my credit after the divorce. This item needs to be deleted asap in all three reports again.
Product: Money transfer, virtual currency, or money service

XX/XX/2019, contacted Chase Bank, about my account. They placed a freeze on my checking account. I contacted the bank and they informed me that the hold was due to XXXX XXXX. Except that I never recieved any documentation Went In person to Bank to see about getting a copy of the document. And the banker told me that he couldn't.

3 months later when hold was suppose to be lifted. The same employee informed me that my account was closed. Asked him that reason, and he again said he didn't know.
Product: Debt collection

I have contacted Experian several times via phone, online and first class mailings on many occasions in regards to 1 account that was placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it! It makes it look very bad on my credit report, and reporting negatively. I am trying to get financed for something and it makes it difficult when they're checking credit, and I have a negative account that does not belong to me reporting inaccurately. I have disputed and reached out to Experian several times and they say the same thing over and over.The companies need to either send proof of validation or it needs to be removed This account does not belong to me I have done FTC I have called and they have told me that they are handling it and they have received proper paper work and I should see an update and I never do.The following account that is reporting is ... XXXX with a balance of {$1400.00}
Product: Credit reporting or other personal consumer reports

According to XXXXXXXX XXXX XXXX XXXX. XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account volates these laws : 15 USC 16815 : Account # XXXX, XXXX XXXX XXXX, Placed in Collections XX/XX/XXXXXXXX XXXX XXXX
Product: Checking or savings account

Fifth Third Bank is who this complaint is for. I went to deposit my money to that ATM on Friday XX/XX/XXXX at around XXXX pm. Their ATM stole my money and did not deposit it into my account. A reciept was printed instructing me to go inside and speak with a bank teller. When i spoke with the bank teller they did a dispute and said the money should be into my account within 24 hours. I called the next day because I woke up and the money is still not in my account. It was {$450.00} deposited that I needed for my bills that I known longer have access to. The bank claims they should have had the ATM company come there on Tuesday XX/XX/XXXX. But nothing was done. Ive called multiple times and no one can give me an answer as to where my money is! I just need them to deposit my money so that I never have to use this bank account again.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following XX/XX/XXXX. Since then the account was reportedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have a Paypal credit card. Part of this wonderful card is that allows you to use it online anywhere paypal is accepted. One of the perks of this card is that anything over {$90.00} or {$99.00} you are able to have in a special financal promotion for 6 months. Which is a blessing since I been buying XXXX gifts. I have various puchases made that they are from a merchant name XXXX which their special promotions expires in XXXX and XX/XX/. I made a few returns of my XXXX purchases at the same time I made purchases of other merchant name XXXX for {$100.00} Which the promotion is not due until XX/XX/. Anyway paypal credit took it upon itself to apply all my refunds from XXXX to pay off most of my special promotions that are not due until XX/XX/. I was under the impression if a refund is being return from a specific merchant the refund will be applied to that merchant. That way that special finance promotions will be paid off on time. I have contacted paypal via chat to speak to Synchrony bank and they tell me its Paypal Credit system issues problem. I contact paypal and they tell me its a matter that Synchrony needs to fix. They claim they fixed the issue but my account still looks the same. Which makes it be that my purchase from XXXX special promotions will be due in XXXX or XXXX when it should have ready been paid forcing me to pay interest on them or rush to pay them off to avoid paying the interest. I was supposed to get a notification of when it was all fixed but I received nothing. Im not able to take a screenshot of my account because paypal isnt allowing it for privacy reason. Your assistance regarding this matter is gratefully appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings ; I sent 5 rounds of letters to the credit bureaus such as XXXX, XXXX and Experian but they dont ' investigate about my problem beacuse I have not recieve any letters of them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has placed a Charge off on my account with proof of validation or consent to place such item on my credit report. I also sent them the Letter of the law. I have attempted several times to have them remove these items from their company off of my credit report. Through response they have refused to remove these items. They are not in compliance with the law and I'm asking for help to Kindly get these items removed from my credit report. This negative item has devastated my livelihood and my chances of being approved for a new home. 

Regards, XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX  it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



Regards, XXXX XXXX
Product: Checking or savings account

Beginning XX/XX/2021 my account info was stolen and used for malicious intent. All of my benefits were being put into the account and were stolen by theives ive lost money and my home I contacted the company who assured me I would get my money back after 10 days two months went by and I received a email saying my claim was denied. All of my claims filed throughout the year of XXXX  was denied with no reason why. The company says they have their reasoning but gives no information as to why they came to the decision I have been a chime member for over 4 years and this has happened many times and they are no help at all with solutions I have many ppl saying the same things this has to stop theyre letting people steal and get away with it with no regards to their customers.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX  XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ). Here I attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit card or prepaid card

By way of background, I opened this account when I purchased a new XXXX XXXX XXXX  at XXXX XXXX and XXXX offered interest-free financing. I did not receive any statements by either snail mail or email until XX/XX/XXXX, when I received a statement saying that I owed three late fees. 

Turns out that this financing is from TD Bank. I spoke with their representative by phone in order to address and fix this situation. I said that I wanted to pay off the entire principal balance, because this financing was more trouble than it was worth. I said also I was willing to pay one late fee but that the other two late fees had to be removed. On XX/XX/XXXX, I paid a total of {$1400.00} for principal and one late fee. 

During the initial call, the TD representative said she could only remove one late fee, and that a supervisor was required for the second. After placing me on hold for an extended period of time, she came back and said that she had not be able to locate a supervisor, but that a supervisor would contact me again if it were not possible to remove the second late fee. My paying the principal balance in full, plus my paying one late fee and they removing one would leave {$29.00} balance pending resolution ( i.e. approval from the supervisor ). 

I heard nothing back until a XX/XX/XXXX letter claiming that I now owed {$110.00}. In other words, they were now charging late fees on the late fee they claimed was outstanding. 

I has spoken with their representatives at least four times since then. They say that they can not resolve anything. I wrote to them disputing the charges and they have rejected my dispute, simply saying that the credit agreement allows for this. 

They have made disparaging remarks to the credit bureaus and they call several times each week. The people who call do not know anything of the history or discussions I have had with TD Bank to date. 

This is the worst finance company I have ever come across. Hard to imagine that XXXX uses these people or that a company like this can even exist in today 's world.
Product: Credit reporting or other personal consumer reports

XXXX accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- XXXX has relisted XXXX fraudulent inquiries.
Product: Credit reporting or other personal consumer reports

Company ignored the fact that I am a victim of identity theft of XXXX data breach XXXX. I've been trying for years to correct my credit report. I now know why things are popping up on my credit report. These accounts are not mine.
Product: Credit card or prepaid card

This is not fair unbelievable I am very mad I mailed my payment 3 weeks in advance its always received before the due date each month and for some reason it got delayed and I was a charged a late fee I called customer service they were very rude with understanding why it was received one day after the due date after telling them the truth I dont deserve to be treated this way Im a loyal good customer I always pay on time and before my due date not fair
Product: Debt collection

NOW THAT MY HUSBAND AND I ARE IN THE PROCESSES OF FILING A VERY LARGE LAEWSUIT AGAINST XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, AND XXXXXXXX XXXX XXXX FOR BREACH OF CONTRACT THE BANK HAS ACTUALLY STARTED TO CALL MY HOME TO COLLECT DEBTS. I HAVE NO CLUE HOW THERE DEBT COLLECTION OFFCIE GOT THE PERSONAL XXXX NUMBER THAT THEY WERE TOLD EXPLICIUTALLY NEVER TO CALL. 

THEY CALLED MULTIPLE TIMES BEFORE I9 AM ONE CALL WAS MADE AT XXXX. WE WILL BE FILING A SEPERATE LAWSUIT FOR PRIVACY LAWS AND MAKING CALLS OUTSIDE THE LAGAL HOURS AND HARASING MY FAMILY TO PAY A FRAUDLENT LOAN. WE ARE SUEING YOU FOR A FULL REFUND FOR THE LOAN. IF MY HPONE SHOWS ANOTHER CALL FROM YOUR OFFICE OTHER THEN TO RECTIFY THE FRAUD YOU HAVE COMMITED WE WILL BE FILING AN ENTIRLY SPERATE LAWSUIT FOR THOSE LAWS WHICH YOU CONTINUE TO VILOLATE.
Product: Debt collection

I received a collection account on my credit file for an account with AVANTE USA. After contacting the company, it was sold to them by XXXX XXXX XXXX. I spoke with the representative and settled the account. I asked if the tradeline would be removed from my credit. She advised yes, that it would take up to 45 days to be removed. I paid the amount requested to settle the debt. It has been over 60 days and the account still reflects on my credit file and is showing still unpaid. This is having a major impact to my credit score. I attempted to contact the company again to follow up and the phone number listed on their website is disconnected.
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy in XXXX of XXXX. This account was included in the bankruptcy. I disputed the item ( I was unable to locate the information to contact them directly ), to see if I could get it removed from my credit report, as it was due to fall off early next year. After the investigation, it appears to have been changed from " Discharged in XXXX  XXXX Bankruptcy '' to " Charge-off Paid ''. I'm not sure if this was a mistake. I would like to see, since the account is scheduled to fall off soon, if I could get it removed from my account, or get some clarification as to why it was changed. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint previously because Bank of America had told me that I would not have to make any payments for a credit card I am paying off due to financial hardship I was facing as a result of COVID 19. Not only was their official response more than 60 days late, but their official stance was that even though their customer service rep had failed to inform me verbally that I was still responsible for paying the minimum, they had written it to me in fine print on the back of a letter they had sent me. I still have not been able got verify this and they have not provided me with a copy of this alleged letter. When I pointed out that I could not have reasonably known I was still responsible for making minimum payments during this time without being verbally told so, and being made to believe something else entirely while speaking to one of their reps, they told me basically that this is just how it is. As a result, the credit score I have spent three years rebuilding fell 50 points, hurting my chances of doing things like financing a car and has caused greater personal financial injury. These practices are unjust.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; EXPERIAN XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have discovered fraudulent accounts and unauthorized inquiries on my credit report that I did not authorize. I have no association with these accounts or transactions. 

Specifically, the following inaccuracies need to be addressed : Fraudulent Account : XXXX XXXX - Account Number : XXXX Unauthorized Inquiries : XXXX - Inquiry Date : XX/XX/year>XXXX XXXX XXXXXXXX - Inquiry Date : XX/XX/year>XXXX XXXX XXXX - Inquiry Date : XX/XX/year> These entries are in violation of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft upon proper documentation. 

I have submitted an identity theft report and affidavit to support this dispute and am requesting immediate removal of the fraudulent account and inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

When I bought my house 10 years ago, I opened a line of credit that I never used. 
In XX/XX/XXXX I try to use that credit line and was told the account was going to be expire and close on XX/XX/XXXX. 
Now the bank is charging {$510.00} for XXXX XXXX. 
Another bank is holding the mortgage on the property and since it was a lapse of time between the transition of changing insurance company the bank assigned a flood insurance which was canceled after I sent them proof of insurance and was not charged for it. 
Bank of America on the other hand is charging me on a closed account a temporary flood insurance an extremely large amount of {$510.00} for 2 months service. 
This is very abusive since the 12 months of flood insurance cost XXXX