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

Step 1 : What is this complaint about? 
Unauthorized or unwanted checking account. Unable to access funds. Unable to get funds placed in correct account Step XXXX : What type of problem are you having? 
XXXX, pay card issues, transfer between accounts. 

Step XXXX : What happened? 
When I was hired by XXXX XXXX Solutions I was informed that direct deposit was a requirement. No problem, on day one I had my bank information including a voided check ready to go. I was informed by VXI that I could not provide my banking information because they require a paycard ( Wisely card and Fifth Thirds Bank ) for our first paycheck distribution. 
I attempted to transfer funds from the paycard 's checking account, which I never authorized to be opened in my name, to my personal bank of choice XXXX. XXXX verified the account with XXXX/Fifth Thirds Bank by making two small deposits. There was no problem with these two transactions. Then using the XXXX app I transferred {$200.00} to my XXXX account from Wisely. There was no problem with this transaction. When I made my second transfer from Wisely into my XXXX account for the remainder of my paycheck 's balance, XXXX/Fifth Thirds Bank informed XXXX that my account with them was closed. This caused problems with my XXXX account. 
XXXX XXXX Solutions informed me that they will not place my full pay with XXXX as a direct deposit as they will only pay bonuses to the XXXX/Fifth Third Bank account which was opened in my name without my approval or fore knowledge. 

Step 4 : What company is this complaint about? 
XXXX XXXX Solutions, XXXX/Fifth Thirds Bank. 

Step 5 : Who are the people involved? 
XXXX XXXX XXXX XXXX, Myself
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a suspicious account opening involving my personal information to the appropriate XXXX, XXXX, and Transunion personnel on XX/XX/XXXX I begged everyone to delete these accounts since I had no idea how they got there. All three companies gave me advice on how to keep track of things and fill out an FTC form. I submitted my information on XX/XX/XXXX. Even though I had sent my letters more than 30 days ago, the accounts that weren't mine were still mentioned in my paperwork since they had been " verified. '' This is a problem that terrifies and bothers me since it hinders my family and I from purchasing a home. I contacted the three companies again on XX/XX/XXXX to ask how they could confirm that these accounts belong to me. They said there was nothing they could do to help me and that I had to speak directly to the debt collectors. The customer called the wrong bank and left a message ; they don't know who I am or what kind of account they are talking about. Just to be sure not to be mistaken, I searched the internet. My friends recommended me to visit the CFPB website. Me and my family can't wait to find the home we're looking for, so I thought it would work.
Product: Credit card

This complaint is an extension of the former complaint regarding Citibank. Citibanks response to that complaint was completely unsatisfactory. The bank in its response dodged the main part of the complaint and pretended that a resolution was already in place. That was false. To recap, my Citibank MasterCard balance in XXXX was paid twice. Two transfers of {$14000.00} were made on consecutive days, XX/XX/XXXX, and XX/XX/year>. I made a manual transfer on XX/XX/XXXX and an ACH transferred the same amount to the same MasterCard, which at that time had only a {$59.00} balance for the current period, on the next day. In order to make that second transfer, which resulted in an extremely large surplus on the credit card, the system wiped out my checking account and took {$8300.00} from an overdraft account, whose limit is {$10000.00}. Very early on XX/XX/XXXX, I saw the error. I called the bank multiple times, first getting Call Centers in the XXXX ( 3 times ) and in XXXX ( 3 times ), then reaching the Executive Response Unit and speaking with people from both Citibanks Executive Response Units ( Banking and Credit card ) multiple times.. I wrote XXXX XXXX XXXX at least 4 times. All of this communication was to inform Citibank that it was an error and I needed the money refunded to my checking account and overdraft as soon as possible. The Citibank attitude was DENY ( that it was their fault ) and DELAY ( claiming the matter needed a review, an investigation and that it was a lot of money so the bank had to be careful. That last is pure irony. ). It took them 25 days to return the money to my checking account and I promptly paid off the overdraft principal but not the interest. By the time, I made my first complaint to the FDIC and maybe my 10th to Citibank, the money had already been returned but Citibank was refusing to remove the overdraft interest, claiming that second transfer was not a bank error. That is debatable but what is not is that I told Citibank almost immediately to return my funds. Their own cumbersome policies blocked my every path to initiating a reversal. I could not do it. So, it is not as if I sat back and did nothing. They had to do it and they refused to do so in spite of a validated customer telling them to. That {$8300.00} was not used by me. It put a surplus on the Credit Card which I had to stop using since it would then function as a debit card. They loaned that money to themselves, not to me. This is the redress I want. Citibank must remove the overdraft charges accrued because of their own recalcitrance and bad logic AND I want a written apology. The bank has refused in writing multiple times to do so. There is NO solution without them accepting responsibility for this illogical fiasco. The fact that they returned the money is NOT a solution. the fact that they kept if for 25 days and charged me while they kept it is the problem. The only solution is for them to remove the overdraft fees they caused. As of this time, they have not done so and instead they have insisted that they will not do so.
Product: Checking or savings account

Chase bank allowed XXXX XXXX XXXX Florida to take {$120.00} from my account. I had purchased something over a year ago and was not satisfied with the purchase. I told Chase it was an unauthorized charge and they placed the money back. I also told them many times to ban this company from doing it again. The company did it again and Chase is refusing to put my funds back. They send me 2 messages one stating they couldn't stop them from doing this and another saying they put a ban on this company from doing it. I have not received my {$120.00} placed back in my account. 

If I don't receive it, although it will be a hassle, I'll take my business elsewhere. Hope you can help. Thank you.
Product: Consumer Loan

I am currently waiting on approval on a home mortgage. Everything was looking great and the process was almost through until we came to a snag. My credit report had to be pulled up again and it currently shows that I have XXXX late payments in XXXX, XXXX and XXXX. However, I called and spoke with Ally Financial personally and they assured me that there was not a late payment for XXXX since the payment is not due until the XXXX. I am asking that you please retract not only the XXXX late payment that is showing up, but also the XXXX and XXXX as well. I have been a long time customer with Ally Financial and have never missed a payment. The reason for this recent delay in payment is because I have had to make improvements on the house for the inspection to pass and loan to go through XXXX new roof costing {$2700.00} XXXX .Please consider this request. Owning my XXXX home at age XXXX has been a dream of mine. I hope you can help me with this. In order for that to happen my credit score has to come up and this is the only way it can happy. Thank you in advance for your anticipated cooperation. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. This actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have had issues with my identy theft back in XXXX and XXXX since then i have send numerous letters to CAVALRY and by now it has been over XXXX years in XXXX since i have been fight this. I told them that by florida law they can no longer have this in my credit report because here in florida the law is that this should be taken off after XXXX years. They are not compliant and i had to complain to the XXXX XXXXXXXX and still they do not follow the laws of florida.
Product: Vehicle loan or lease

Mercedes Benz XXXX and/or Mercedes Benz Financial regarding their failure to refund my Gap Insurance premium in accordance with applicable laws and codes regulating insurance in the state of Florida. 


I purchased a Gap Insurance policy from Mercedes Benz on XX/XX/year> when I financed the purchase of my vehicle. When I refinanced, I canceled the Gap Insurance policy on XX/XX/year>. Per the terms of the policy and Florida insurance regulations, I am entitled to a refund of the unearned premium.

Mercedes Benz 's failure to refund the unearned premium within a reasonable timeframe violates the following applicable laws and codes : 1. **Florida Statute 627.7283 ( 2 ) ** : This statute requires insurance companies to refund any unearned premiums promptly after the policy is canceled. Failure to do so is considered an unfair trade practice.

2. **Florida Administrative Code Rule 69O-186.013 ( 1 ) ( c ) ** : This regulation stipulates that insurers must refund any unearned premiums within 15 days after the effective date of cancellation or receipt of a written request, whichever is later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all inaccurate inquiries
Product: Credit reporting or other personal consumer reports

XXXX XXXX  turned over false balance amount owed to collector that will not provithere was no balance due they acually owe me my deposit backde no information. Even thou
Product: Debt collection

I am writing to dispute the validity of the debt reported by your agency under account number XXXX, which is listed as a collection account. The debt, reported as {$1400.00} past due as of XX/XX/year>, is entirely inaccurate, and I do not recognize this debt. As such, I am requesting immediate debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), which affords me the right to request written verification of the debt.
Product: Credit card

I am always on time with very good credit. I have cards with high limits. I had a Citibank best buy card that I never use w a low limi, they charged me a yearly fee I was unaware of and then reported me late. This dropped my score dramatically and is really hurting me!!
Product: Debt collection

Last month XX/XX/XXXX I noticed that Midwest Recovery Systems, LLC had placed on my XXXX  and XXXX credit report that they were collecting a debt of XXXX the last date of delinquency ( according to the info on my report ) was in 2012. The problem is ... I never took out a loan with the company that they are stating is the original creditor. This company has never sent any letters to my address alerting me to this debt or that they were attempting to collect a debt and when I contacted the Credit Agencies to dispute the debts, they both came back verified as mine by the Collection Agency and remain on my reports as valid. I contacted the Collection Agency - Midwest - and asked them for documented proof of the debts and they simply ignored my request and never followed up with me. SO I looked online to find out about this company and see that they have thousands of complaints against them in regards to putting false information on credit reports and other consumers having to file suits against them to get them removed. This company is being allowed to list on consumers credit reports without any documentation that they are actually owed debts and it 's ruining credit. Apparently all they needed to provide to the Credit Reporting Agency to " prove '' the debt was mine is my name, address, date of birth and last 4 ss I plan to take them to small claims court very soon because they will not remove or prove this debt but wanted to alert you.
Product: Checking or savings account

In late fall of XXXX tried to log in to my account and was told they couldnt verify my information. Called and reset account, which used the same user name and password as before, even though I couldnt log in with those same creditials before calling and resetting. Tried logging in again in late XXXX of XXXX, wouldnt let me in. Called in XX/XX/XXXX. Customer service rep told me she couldnt verify my security based on the information I provided but couldnt tell me what I provided that was insufficient due to security reasons. The only information I provided was my account number. As I began to provide my online log in for security verification purposes, I was told that they couldnt verify my identity and that I would need to go in to a local branch. They couldnt tell me what else they needed to know to verify my identity, also for security reasons. But they didnt ask for anything. I live abroad and cant walk in to a branch. Moreover, in the past, any time Ive gone to a local branch looking for online banking help, Ive been directed to their phone customer service. Now Im locked out of account that might be hit with inactivity fee at any time because there is no set amount of time of inactivity that could suddenly trigger an inactivity fee. This is due to the banks own negligence, not mine.
Product: Debt collection

Was sent a letter that they are looking into it. 
However I sent inf to the identify fraud please see attached paperwork the card was used for transferring money in a XXXX scam.the info was sent to the FBI cyber unit. And the XXXX XXXX
Product: Mortgage

Quick recap of the past year, we have a MTG thru Wells Fargo, I lost my job a year ago and started a new job. Things were slow to start so we got behind on our pmts. We were trying to do a loan modification recently and then hurricane XXXX came XXXX XXXX and hit our home hard. We had between XXXX and XXXX feet of water thru our entire home. We have flood ins, and the adjusters came n did their thing and we 've already received XXXX smaller checks to start fixing our home. I took the checks to Wells Fargo since the check is made out to myself and them. They refused to cash the checks, reason being they want to make sure we spend the money appropriately. We was told they 'd send us a packet ( we still have not received the packet ) we have to fill out and sign the checks over to them. After they approve what we 're doing with the money, they 'll disburse the funds in increments and it 'll take an additional 3-4 weeks before we even get any of the money to get. We was told we could also request an emergency approval for the funds due to our circumstances. On XXXX XXXX, We filed for the release of the funds and was told we 'd have an answer within 3-4 business days. On Fri XXXX XXXX, I called and was told the request had been denied but we could refile, so we did, which was also denied. Now thru this whole process, we ( myself and my fiance that resides with me ) were both calling Wells Fargo daily and numerous times, which entailed being on the phone anywhere from 30 min to 2 hours and conveniently being disconnected by them numerous times and many transfers. At this point, we have a hole in our roof, have no refrigerator, no stove, or hot water tank heats to give us about 5 min of hot water ( just had a plumber here seeing if we changed the element would help and he tried but our tank is ruined from being in the much water and all the stuff that got inside & was informed it will stop working soon ) and to top it all off, on Mon XXXX XXXX, we started visibly seeing mold growing in our kitchen. We are trying to do everything we can to make do until get the money to do things right. We have nowhere to go so we have to stay here. We are both starting to notice symptoms of being exposed to mold ( my fiance has a XXXX ). We have begged and pleaded for any kind of help to get this cashed so we can start to put our house and our lives back together again and Wells Fargo just does n't care and refuses to help us. We have used all of our funds just to continue daily living.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is still reflecting on my consumer report as " charged off '' with a {$0.00} balance. It was closed but not removed as requested per the previous report I submitted. Please block and removed per 15 USC 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I XXXX A XXXX on my own behalf sent a letter to each of the CRA ( Credit Reporting Agencies ) Equifax, XXXX, XXXX in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 days later I have not been notified either by mail or phone of the receipt of my letters. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failure to investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will have no other choice then to have my lawyer file for litigation on this matter. In closing, my information was impacted by the Equifax and XXXX data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).
Product: Prepaid card

I am a customer of rush card. I am unable to accessy money. They are not answering the phone. My direct deposit is not there and I need answers as my payroll check is deposited there and it is not allowing me to access.
Product: Debt collection

I don't understand why this hasn't been removed. When I was told this was going to be removed I am a current XXXX customer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, a service of XXXX XXXX reported a 67 point decrease in my credit. 
In the report was an amount matching medical services I received months before. 
I made contact with the hospital and I was assured the hospital ( XXXX  ) does not report to credit agencies but the numbers were exact, what was reported and what I owe the hospital. I don't use insurance so they ran self pay and we had an agreement. 

next visit to the credit wise site and the derogatory explanation was gone but the credit score was still 67 points lower. 

Please help me restore my past and correct credit?
Product: Debt collection

Graigel Associates sent me a collection notice and it is listed on my credit report so I sent them a letter indicating proof of the debt, they called back and left a message on my voice mail however the number they said to call back is disconnected, and all numbers associated with them are
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violent the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their depute resolutions process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Upon review of your inaccurate and invalid response to the Consumer Financial Protection Bureau ( CFPB ), this shall serve as the final submission to the CFPB in an effort to address the aforementioned matter. Failure to rectify this issue will necessitate the initiation of arbitration proceedings against your company for proper resolution. The original contract, executed face-to-face with the finance manager at XXXX XXXX XXXX, stipulated a term of ( 60 months ), as indicated in the documentation. The contract, which you omitted from your response to the CFPB complaint, is presently in my possession and was revised subsequent to the CFPB 's litigation against XXXX XXXX XXXX. It is acknowledged that your business transactions occur through a privately-owned dealership. However, it is imperative to recognize that the dealership operates under your purview, and adherence to the provisions of the Truth in Lending Act is obligatory. Regrettably, the dealership failed to comply with these guidelines, and your attempt to obfuscate their errors via the dispatch of generic correspondence is evident. Furthermore, despite notifying the representative of the True Lending Act violation and requesting the retrieval of the vehicle, no action was taken until several days later, when I personally contacted the dealership and requested the intervention of a supervisor. Despite informing them that the vehicle was not in use, they insisted on scheduling a pickup, contrary to the stipulations of the True Lending Act. On XX/XX/2024, we dispatched documentation directly to your company along with our request. Your response, acknowledging " identity theft, '' is both erroneous and inadequate, as there has been no occurrence of identity theft. Enclosed herewith is the pertinent correspondence for your review. I hereby demand that all credit reporting activities concerning this matter be suspended until a resolution is reached either through the CFPB or via direct arbitration, per your preference. This communication shall serve as a record for future reference in the event that arbitration proceedings become necessary.
Product: Payday loan, title loan, personal loan, or advance loan

Insanely high interest rates almsot XXXX  times what is owned
Product: Debt collection

I saw a debt on my credit report that i do not recognize, I contacted the debt collector carter-young inc on XXXX with that actually being the 3rd request i asked for this debt to be validated and actually send me a signed contract bearing my signature, and I also requested the Dunning letter XXXX They have a legal duty to comply to my request if they cant produce the signed contract then the debt must be removed from my credit report, I also disputed with the credit bureaus as well and it came back verified, so if it was verified then it should be proof that i own this debt and I demand validation of this debt if not then my rights under FCRA, FDCPA has been violated and I demand that the debt be removed from my credit reports immediately
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXXXXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.