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

Pnc refuse to give back my money on my checking account due to fraud because my account wiped the balance of XXXX they refused to give me back my original balance they keep giving me the run around telling me i have to go to a local branch i filed serveral reports with no resolved at all i complain multiples times to the customer service fraud department ever sense XX/XX/2021 this been goin on for months on end i also filed a police with the bank a report at the local branch i also filed a police report still no resolved now the bank saying i owe the bank because i have no proof of fraud i did this around XX/XX/XXXX.
Product: Debt collection

I do not have any knowledge about the debt that is claimed to be owed. I have never had credit with the company in the letter that I received last week for the first time. I mailed a letter for request of validation on XX/XX/20 with no response. Company did not respond to my request but instead it was put on my credit report to tarnish my credit. I have not ever received a phone call from this company and Ive only received one letter for the debt that I tried asking for proof as to where this debt came from and who is the company. I would like this removed from all credit bureaus. This company should have followed proper procedure. And contacted me more than once about this debt. One correspondence and then its on my credit report with absolutely no details about the debt. Respond to my mailing on XXXX first.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX i received a text message from phone number XXXX ( XXXX ) XXXX who I thought was from USAA. XXXX stated USAA : your access has been XXXX due to unauthorised use. Kindly, visit https : XXXX and verify your information to restore access. I clicked on this link and verified my access. On XX/XX/XXXX, my card was declined for an {$5.00} purchase. I logged in on my mobile app and saw my accounts were emptied and there were XXXX transactions from my account to an external bank, that does not belong to me. Amount were {$3700.00}, {$910.00}, and {$810.00}. I called USAA the same evening on XX/XX/XXXX to report this. I also filed a police report with the XXXX Police Department ( case number XXXX XXXX XXXX ). XX/XX/XXXX, USAA stated that I liable for the charges because I verified this account. However, I did NOT add any external account on my profile. I requested for this to be reviewed.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 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 card or prepaid card

We made a purchase at Best Buy 3 years back for {$6200.00} and it was advertised as " 0 '' interest for 3 years. They did not explain at the time of purchase the difference between " deferred interest '' and " 0 interest ''. I set up a monthly payment of $ XXXXmonth for the past 3 years and the promotion ended on XX/XX/. I did not realize that I had a balance of {$1100.00} at that time and they now charged me an interest asking to pay {$7100.00} instead of my balance of {$1100.00}. I was not familiar with how this process works and feel it is a rip-off from Best Buy/Citi credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account ( and multiple others ) were compromised as apart of theft on new years day of 2022. XXXX bank and Bank XXXX XXXX quickly resolved those issues. Apple ( via goldman sachs ) did not. Access to my accounts was locked by apple and unrecoverable PER APPLE. Payment of the account was impossible due to this. 10 days after the account was " past due '' apple sent a notice in the mail along with charges ( many of which were still fraudulent and were racking up interest charges ). I then promptly submitted payment. After that a month later they submitted to the credit agencies that i was 30+ days late. THIS IS FALSE!! I have now paid this account down to zero and plan on closing it. The negative remarks on my credit report are effecting my credit report scores. The interest charges for fraudulent charges is negatively effecting my money.
Product: Checking or savings account

I am attempting to retrieve {$100.00} which was stolen via an automatic withdrawal from my personal bank account and deposited into someone's account at the ROBINHOOD trading company on XX/XX/2021. 

I am NOT and have never been a customer of this company. 

I immediately contacted my bank to stop any future withdrawals from my account. 

Robinhood only has an email " customer service '' and it seems to be automated because they are constantly confused, keep asking for the same information repeatedly and nobody has addressed my complaint.

All bank transaction information ( date, amount, bank name, transaction information ) has been sent to Robinhood so they should be able to determine whose account my stolen money has been deposited to. 

This back and forth has been going on since XXXX with no resolution and nobody to talk to at their company.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report, in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. Upon reviewing my credit report, I identified an account that may be inaccurately reported.

Below are the account details I am requesting to be reinvestigated : Account Name : OPPLOANS/FINWISE Account Number : XXXX I kindly request that you thoroughly reinvestigate the completeness and accuracy of all information associated with this account. If any inaccuracies are discovered, I ask that the incorrect information be removed from my credit report. In accordance with 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I respectfully request that the account be deleted from my credit report.

Additionally, under 15 U.S. Code 1681e ( b ), I request that you review your procedures to ensure they guarantee maximum possible accuracy in reporting this account. 
Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been resolved.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly.

I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my credit score.

The ongoing presence of these fraudulent items has not only caused me financial hardship but has also severely eroded my trust in Credit Bureaus. As a loyal customer, I expected a higher level of service and security, both of which have been lacking in this situation.

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future.

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated. Please help me removed the following items immediately : 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. ( Block, Inc. ) due to an adequate customer service and unfair practices, which violate the consumer Financial Protection Act CFOA ). Specifically Cash App failed to take timely and efficiently measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have cost significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Bank account or service

Checking account was charged XXXX Overdraft fees, I believe only one should be charged due to an oversight on my end. I called Bank of America and explained that when the ACH ( Transaction 1 ) posted the statement balance was {$2.00}, however they stated that due to pending XXXX transactions the available balance was - {$7.00} and that is why the fee was charged. Problems with this ... 1 ) they blatantly admitted they do not have a de minimis for overdraft charges and that even if an account was overdrawn XXXX cents, they would charge a fee. 2 ) the POS transactions had not actually posted and may never post due to other circumstances, however they are basing fees on these dollar amounts. 3 ) They wanted to charge the XXXX ACH transactions an overdraft fee because we do not " opt in '' to Regulation E Overdraft charges, they would have been unable to charge on the pending POS charges. 
Bank of America banks XXXX customers nationwide and use these practices daily across the board. These unfair and deceptive practices must cease before they continue to harm innocent consumers. 
Each time a phone representative explained their overdraft process to me, I asked to speak to a manager. The final manager would not even get on the phone with me. I had to explain the situation to her subordinate as her subordinate typed the information to her. I persevered and finally had the erroneous {$35.00} OD fee refunded but the phone representative made it very clear that the overdraft was my fault and they stand by their process of paying and charging overdrafts.
Product: Debt collection

This company Midwest recovery systems, has purchased a debt that was closed out by the original creditor (   XXXX   XXXX   ). They have added it to my credit report and this is not acceptable. The debt was originally my  XXXX  year old son 's medical bill. The bill was supposed to be paid by the insurance company, this debt was closed out by the original creditor.
Product: Mortgage

Hello, My husband and I have a mortgage account with Bank of America and are extremely frustrated with the mishandling of our account, below are details of our complaint : We filed for Chapter XXXX Bankruptcy protection in XX/XX/XXXX to avoid Foreclosure, this was due to the increased payment amounts. We modified our mortgage around the same time and were able to save our home. Since the modification we have made every single payment on time. My bankruptcy finally discharged on XX/XX/XXXX, once Bank of America received the discharge paperwork they immediately proceeded to Bill me for an extra payment they said is missing ; from XX/XX/XXXX. They used funds from this payment to cover administrative bankruptcy fees that were never approved by the court and a proof of claim was not valid, due to me no longer being in arrears, they retracted the proof of claim. I 've made several attempts to get them to understand this issue and make appropriate adjustments, but I receive a different answer every time. In addition to this issue, they 've also reported me late for several months during my bankruptcy, I believe this to be a direct FCRA Violation. They claim they have submitted corrections to the credit bureaus, but I have not received confirmation. Please assist me with getting the bank to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent my second certified letter asking for a method of verification on a bankruptcy that they are reporting incorrectly on my profile and reporting to the other credit bureaus they received my letter on the 11 and they had 15 business days to verify how the got this information and I informed them that it had to be from the original creditors which in this case would be the Wisconsin bankruptcy court I also sent them a letter from the bankruptcy court stating they dont report to any credit agencys or any 3rd party creditors so they are in violation according to the fair act
Product: Money transfer, virtual currency, or money service

14 days ago I opened an account with Wise in order to transfer funds earned by myself and my management agency ( we have a 50/50 split deal, I already have my half and now I'm TRYING to use Wise to send my management agency their half ). This business relationship is legitimate and signed by contract. I sent Wise the {$20.00} required to activate the Direct Debit function of their app. I waited for TWELVE DAYS amd had to call customer support twice in that time frame, in which I was told me case would get escalated in urgency. I was lied to the first time and the agent did absolutely nothing to help. The second time the agent said he would escalate my case AGAIN and that I would have to wait at least one working day, AGAIN. As of yesterday the {$20.00} completely DISAPPEARED from my account. It didn't reflect in my bank account at all, and there was absolutely no transaction history of the {$20.00} ever even recorded, its as if someone just deleted it entirely. I called customer service for a THIRD TIME this afternoon, and apparently they claim my case is currently being reviewed by the appropriate team and I will be recieving an email update from them regarding my case, and I was not given an estimated deadline this time, so YET AGAIN I've been told to sit around and wait, and there's nothing I can do about it. This whole ridiculous dilemma is directly affecting my business and my personal life has been completely put on hold over this problem. FOR TWO WEEKS NOW. This is preventing me from accessing money I worked hard to earn, all over a small {$20.00} transaction? It's absolutely ridiculous, this company clearly does not care about their customers at all, in fact I've been treated like absolute garbage this entire time and it has seriously taken a toll on my health dealing with all of this. Absolutely nobody has helped me at all, literally all I need is to use this Direct Debit function and that would solve everything. I truly wish I didn't have to resort to using this app, Wise is the absolute worst " business '' I have ever had the displeasure of dealing with, these people are truly EVIL! 

NOT ONLY THIS, but Wise has severely inaccurately charged me a {$110.00} fee for a transfer I am attempting to schedule. Thus needs to be corrected IMMEDIATELY. When this issue was brought up to ALL of the customer service " agents '' I've spoken to I was assured it would get fixed, and to absolutely no surprise, NOTHING WAS DONE. I will provide a screenshot of this issue.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a threatening phone call from XXXX with XXXX XXXX. He claimed I wrote a check that was returned as NSF. He claimed I was on a recording denying to pay the check. Threatened with legal action if I do not contact and pay the debt. I saved the voice mail if needed. I am attaching a letter that was sent, after I called to find out what this was about. To the best of my knowledge I never had a loan with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CONSUMER REPORT, I HAVE DISCOVERED INACCURACIES AND DISCREPANCIES IN THE REPORTED ACCOUNTS. 

XXXX : XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) TRANSUNION XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g )
Product: Mortgage

I refinanced the loan on my home back in XXXX 2012. At that time XXXX XXXX was my loan servicing company who had the practice of applying any amounts over my fixed loan payment to principal. Later, the loan was sold to XXXX XXXX XXXX where the same procedure was followed. Recently, my loan has been sold again to Ditech. I received my first statement which includes the following language in the transaction activity section : " Any partial payments that you make are not applied to your mortgage, but instead are held in a separate un-applied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. '' As I understand it, the excess payments I send in will not be applied to the principal of my loan and therefore I will be paying interest on a partial principal that the loan servicing company refuses to post to the account. This appears to be a change in how excess payments to principal are handled and is injurious to the consumer.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous attempts to address the fraudulent items on my credit file. I kindly request that you escalate this matter and exhaust all available avenues to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

Despite numerous correspondences and persistent efforts, it appears that the fraudulent items have not yet been removed. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. The following fraud items should be removed as soon as posssible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7700.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX  Balance Owed : {$6600.00} US DEPT ED XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

My U.S. Bank account was unexpectedly closed on XX/XX/year>, without any explanation provided. I currently have an outstanding credit card balance with U.S. Bank and need clarification on how this account closure will affect my remaining balance and payment options moving forward.