23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 PLAZA SERVICES/ XXXX  XXXX  XXXX  Has reported I owe {$5100.00} which is not true Ive tried to reach out to this financial company about this matter many times over the years because of the fraudulent of this dealership they let any person buy a car in anybodys name the owner threatened me and told me he did not care who maybe bought this car, and that he was an Attorney and would see me in court he said all he wanted was his owed money now this has resulted in collections because the owner was rude to me and would not listen he never sold me this car and didnt want to hear about the misunderstanding So I would like to make a complaint against this company about this matter.
Product: Mortgage

US Bank has refused to refund monies that they put into an escrow account for insurance on the property, and I provided documentation stating that I had been paying a private company for insurance. They had my address incorrect for the time in which they have charged me for insurance ; they also moved their company so insurance company could not fax them correct information. I have tried numerous times to get this resolved ; however they will not budge. My local banker has spent HOURS on the phone with them, trying to resolve this for me ; and everyone he spoke with agreed that the money should be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not track telephone calls/correspondences from the debt collection agency, Hunter Warfield. 

We began in XX/XX/XXXX writing letters to the creditor and collection agency and the Minnesota Attorney General 's Office ; the Creditor and I went to court in XX/XX/XXXX and the case was dismissed, nothing awarded to either party ; The Creditor and her attorney told my attorney that they contacted Hunter Warfield and said the debt is not valid and asked that it be removed ; they have not had further contact with Hunter Warfield and have not received anything from Hunter Warfield. I wrote Hunter Warfield a letter in XX/XX/XXXX enclosing correspondence from my attorney indicating the debt is not valid and asking they remove the debt from my credit reports and in XX/XX/XXXX I received notice from XXXX stating that Hunter Warfield verified the debt as a valid debt even though it was made aware by that time that it is not a valid or enforceable debt. 

My attorney has sent a letter today, XX/XX/XXXX again requesting they stop reporting it as a valid debt and to remove it from my credit reports. 

Hunter Warfield also reflects two different amounts as owing ( {$1000.00} and {$1000.00} ) and the Creditor and her attorney admitted to my attorney they do not know where Hunter Warfield arrived at the initial {$720.00} amount or how it has gotten to be over {$1000.00} or why it would show as two different amounts on my reports. 

This is hurting my credit score ( and has been since XX/XX/XXXX apparently ) and I am not able to open a business banking account until this is removed from my credit report which they are unwilling to do. 

Hunter Warfield has not had any communications with me or my attorney either.
Product: Checking or savings account

I contacted TD Bank 3 times today due to bank error fees I have received on my checking and savings. I was able to resolve the first issue with the first supervisor at approximately XXXX on XX/XX/XXXX. I also recorded our conversation in which XXXX reassured me that I would not receive an NSF fee because I was in - {$9.00} short after the check payment of {$270.00} came out of my account. 

However, the {$270.00} was processed and posted on XX/XX/XXXX at XXXX yestersday morning. But TD Bank reservsed this ACH payment that was already processed just to pay a gas station charge of {$55.00} that came in for processing at XXXX on XX/XX/XXXX. I have a problem with how they are processing these payments and not showing an ledger on my transaction history and on the app which is supposed to show these transactions in real time. When I logged in this morning my balance changed from approx. {$580.00} to {$890.00} within 5 to 10 minutes after the supervisor XXXX reversed my NSF fee of {$35.00}. This means that TD Bank refused to pay a ACH debit that was already processed and posted yestersday at XXXX on XX/XX/XXXX. Due to a bank error that was caused by them because there is more than enough funds to cover this payment. And if there wasn't enough funds to cover one of my transactions that does not give TD Bank the right to reverse a payment the was already processed and posted to pay a pending that came in afterwards. 

This is an accounting nightmare which makes it hard to balance my account and avoid any unnecessary bank fees. There were other pending charges that was paid first when they was charge after the ACH debit was processed. Therefore, this payment should have be paid and not reverse after the payment on XX/XX/XXXX and it's still showing posted today on XX/XX/XXXX. When I called a third time today about this issue 10 minutes after I just got of the phone with the supervisor XXXX. I was transferred to another supvisor that tried to convince me that their accounting is correct. The excuse she gave me, is because I opted out of their overdraft program. 

Which does not have anything to do with how and when payments are being processed. I have proof based on my ledger that TD bank had no reason to reversed a payment that was already processed and is showing posted. 

Due to TD Bank error not to push this ACH debit through today. I will most likely receive a return check NSF fee from my property management office, and a {$35.00} NSF fee from TD Bank. 

I am requesting a record be provided to CFPB to show when each of my transactions was processed and posted as of XX/XX/XXXX until XXXXXXXX XXXX  XX/XX/XXXX. These are the same shady tactics that caused them to be in violation in XXXX. 

This bank needs to be thoroughly investigated, and their accounting records audit. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX , XXXX, My father is XXXX XXXX XXXX and is the person responsible for the account under XXXX XXXX and Portfolio Recovery Associates. I have never opened an account with other of these entities. I have sent notice several times under Section 609 of The Fair Credit Reporting Act which requires BOTH entities to produce specific information, including but not limited to authorizations to pull credit ( specific dates ) and/or contracts or agreements purportedly signed by me. As if the submission of this complaint neither entity has complied with Section 609 FCRA yet BOTH continue to erroneously and unlawfully report a derogatory item on my credit report that is not mine. I am once again attaching notice under Section 609 FCRA addressed to XXXX, XXXX  and XXXX  previously sent to XXXX XXXX  and Portfolio Recovery Associates yet never responded to by either entity. As of this complaint BOTH are in violation of Section 609 FCRA which is enforced by the CFPB. I am asking for enforcement of this statute if either entity fails to comp, yvwith my Notice under Section 609 FCRA.
Product: Checking or savings account

The Bank of the West charged me a overdraft fee XXXX but there was nothing overdraft... 
They claim that, during the day on the XXXX the account was overdrawn, however by the end of the business day, the account was positive. 
Due to that, they assessed a fee. 

However, they were unable to show me this on scree/in writing in any way. 
They refused to email or print anything out for me and XXXX time asked me to get a calculated so they could tell me figures over the phone and I could 'work it out myself '. 

I don't want compensation, I want this bank investigated please. 

I have found 3 charges, now that I look back, and maybe more. 
Charged for no reason, nothing bounced, nothing was overdrawn and no day shows a negative balance. 

I also spoke to another Bank of the West branch about this, they said that all calculations are done at the end of business and fees are to be charged on an account at that time, not arbitrarily throughout the day at random times. 

If this was the case, I would have had many many charges as my account did go under at times, and I would run to the atm to deposit what was needed. 
This is clearly not the case and by them making excuses for mistakes rather than owning up, all I can think is How many people are they doing this to? How much money are they taking in 'fees ' improperly. 

Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX XXXX for their unethical and unjustified actions towards me. Despite closing my account ( # XXXX ), XXXX continued to charge my credit card monthly, which forced me to have no choice but to block XXXX from charging me. I was shocked and appalled when I received a notice from a collections agency stating that I owed XXXX XXXX {$97.00}. 

I had opened an account with XXXX XXXX in XX/XX/2022, but the service did not work, or my phone was not compatible with it. I contacted XXXX XXXX repeatedly to address the issue, but the XXXX representatives were unable to understand the problem or assist me. I ultimately had no choice but to close the account. 

Despite being told that the account was closed, XXXX XXXX continued to charge my credit card monthly. I reached out to XXXX XXXX multiple times to rectify the issue, but to no avail. After several attempts, I had no choice but to have my bank blocXXXX XXXX from charging me. 

It is unacceptable that XXXX XXXX is charging me for a service that I did not receive and had already closed. Their inability to address my concerns and their continued charging of my credit card is a clear violation of ethical business practices. Moreover, XXXX XXXXXXXX XXXX action of sending me to collections despite me canceling the account and making multiple attempts to resolve the issue is completely unacceptable. Furthermore, XXXX is still attempting to charge me monthly even while they already sent a debt to a collection agency. 

I request your immediate attention to this matter and that XXXX XXXX be held accountable for their unethical actions. 

Thank you for your attention. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The loan company, Bridgecrest, set me under the SCRA due to being XXXX XXXX military. The company did not submit a court order in order to repossess the vehicle, as stated it is needed in the Act. I have been working with an XXXX XXXX and reserve attorney, but was stated to reach out for assistance on CFPB as well in order to resolve this as quickly as possible. Vehicle was repossessed on XXXX XXXX, and they have not responded to my attorney 's letter of representation and memorandum stating they were in the wrong to repossess the vehicle. I have been without a vehicle since and have struggled to find means of transportation to and from work.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I received a notice from a debt collection agency regarding a parking ticket I had from XX/XX/year> that was unpaid by XXXX XXXX. I never received a parking ticket nor was I in XXXX XXXX on XX/XX/year> as the notice states. I live in XXXX and work in XXXX XXXX fl which is where I was on the day of this supposed parking ticket
Product: Mortgage

On XX/XX/XXXX I made a principal reduction payment in the amount of {$200000.00} to my mortgage being serviced by PHH. An initial letter received from PHH indicated that my new monthly payment would adjust to the lower amount with the XX/XX/XXXX payment. However, on a bout XX/XX/XXXX a representative from PHH stated orally by telephone that my monthly payment would be adjusted to the lower amount for XX/XX/XXXX if my principal reduction payment was received before XX/XX/XXXX. It is outrageous that PHH is allowed to hold my funds for 75 days before affecting my monthly payments and overcharging related interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint requesting that Credit Bureaus will reinvestigate the disputed Account XXXX  XXXX Balance Owed : {$940.00} from my credit report as well as update this Account from my report during the investigation period. As of this date, Credit Bureaus have failed to respond to my request. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range.
Product: Credit reporting

I did call for cancel this account on XX/XX/2016.and give them new address for the last bill.but they never send me the last bill I thought I do n't them money.finally they put me on charge off condition without warning letter.
Product: Credit reporting or other personal consumer reports

This dispute is in reference to a credit card I had with Venmo issued through synchrony bank. On XX/XX/scrub>/2024 I made a payment of {$710.00} ( transaction # XXXX ) to get my account to a XXXX balance, immediately I realized I underpaid by XXXX cents, upon attempting to pay the XXXX cents their system would only take a minimum payment of {$3.00}, so I paid the extra {$3.00}, ( transaction # : XXXX ) which brought my total payment of {$710.00}. I contacted Venmo and explained that I made a payment to conclude my balance and need to close my account because I no longer wish to do business with their fraudulent company. I was assured that my account showed a {$0.00} balance, I requested a letter to verify this. and was sent a letter showing the XXXX balance right away. Venmo owes me {$2.00} but has since been reporting to all 3 credit bureaus that I owe them {$2.00} and has been charging me interest rate and bogus late fees on the {$2.00} that they owe me. They have reported that I am over 3 months late which is bogus, fraudulent, and inaccurate reporting. Venmo and synchrony bank has made a havoc of my credit report and has caused me a lot of emotional grief over their lies, and fraudulent reporting. I still have the email with the attached letter proving the XXXX balance which I have attached to this complaint.
Product: Bank account or service

On XX/XX/XXXX my Wells Fargo debit card was unfortunately stolen. Once I discovered that my card was stolen I immediately reported it to Wells Fargo. Consequently whom ever stole my card gained access to my checking and savings accounts. The fraudulent transactions that took place caused my checking and savings accounts to be over drawn. I have called Wells Fargo everyday since XX/XX/XXXX to get his issue resolved. Wells Fargo manager XXXX id XXXX, advised me that the {$400.00} that is still reflecting in my savings account had been refunded and it was my responsibility to transfer the money from my checking which was negative as well? So, they expected me to know that the credits they gave were for both accounts that I had been advised were XXXX separate accounts. How am I having to pay for something that I did not cause to Wells Fargo? This institution is ultimately stealing from me now, and I feel that I by no way should have to fund my savings account {$400.00}? The purchases and transfers that took place were all authorized my Wells Fargo but were not authorized by me. I am not paying Wells Fargo {$400.00} for something I did not cause nor did I authorize any of these transactions. I need for them to correct he problems. I feel that Wells Fargo does n't want to own up to the fact they authorized fraudlant transactions and now they will not own up to it. Wells Fargo by far the worse institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint regarding XXXX and their refusal to honor mandates. Received a closure regarding the accounts and that the are closed. XXXX and XXXX XXXX repeatedly reports on my credit report the accounts are missed payments. After receipt of the complaint results. Both are refusing to resolve the matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs/Madam The last late payment for this account XXXX XXXX XXXX occurred in the middle of a DECLARED NATIONAL DISASTER eg Covid 19 I also had entered a payment deferment agreement with the lender for the months prior to the late payment. 
it is UNREASONABLE the lender is not deleting the payment and credit bureaus are allowing it when this happened in XX/XX/ at the height of the pandemic and forced stay at home orders. 
Please help Kind Regards
Product: Mortgage

My payment is {$1000.00} per month and I have a monthly income of only {$800.00} and they will not work with me to refinance or lower my payments. Ive inquired with them for 6 months or more. They offered to pay me {$1000.00} for my home and property instead of trying to help solve the problem. They say I'm approximately {$4000.00} behind and will not give me time to pay it, nor will they offer to even work out a better payment plan. I'm XXXX and on XXXX and I'm a single lady. I've tried and applied for any and every assistance program and grants via the government and our local Community Action Program.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting an alleged bankruptcy and stated it was verified. I myself reached out to the federal court house clerk of court and they stated that courts do not release any court filings and documents submitted to pacer does not provide enough information to identify any individual because its protected information furthermore neither credit bureau provided me with paperwork that had my signature proving that the bankruptcy filing was indeed mine. This is required under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

XX/XX/year> TOTALING XXXX MY CASH APP ACCOUNT WAS HACKED AND IT CAUSED MY XXXX BANK XXXX AND ACCOUNT CLOSURE ALL IN XXXX AND XXXX OF 2024. XXXX BANK CLOSED MY ACCOUNT!! I AM BEYOND UPSET.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I live in the XXXX .Set up an account with XXXX XXXX which was later transfered to Capital One. I learnt the account is now closed. I was promised on numerous occassion that the closing cheque will be sent to me. which they never did
Product: Checking or savings account

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Regular Checking Account ending in XXXX Citi Reference Number : XXXX C : Consumer Financial Protection Bureau Case # XXXX CC : Office of the Comptroller of the Currency Case # XXXX Hello XXXX, You recently reached out to the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency regarding your concern about Citi, and weve reviewed your request.

Please accept our sincere apology for any frustration this matter may have caused. It is our goal to provide all of our clients with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance.

Upon receipt of your inquiry, a review of Citibanks records and the circumstances surrounding our decision to close your banking relationship was completed. While we are sorry to learn of your disappointment with Citibanks decision in this matter, as outlined in your deposit account agreement, Citibank reserves the right to close an account at any time and for any reason, with or without cause. We apologize for any inconvenience this may have caused.

Please be advised, the attached account closure notice issued to you on XX/XX/2023, informs you the account closure process takes up to 60 days. A {$29000.00} refund check will be mailed to the address listed on the account under a separate cover for your receipt once the closure process is completed. Should you have any additional questions, please contact our Fraud Prevention Department at XXXX, Monday - Friday XXXXXXXX XXXX - XXXX XXXX  CT. 

Thanks for your inquiry. We'd like you to know that it's important to us and we appreciate the opportunity to respond. 

Thank you, Your Citi Executive Response Team XXXX
Product: Checking or savings account

On XX/XX/2023, I deposited a check via an ATM at Bank of America. I was initially informed that the funds would be available by XX/XX/2023. However, on XX/XX/2023, I received an email from the bank stating that the release of my funds would be delayed until XX/XX/2023. 

To my surprise, on XX/XX/2023, I received a letter ( dated XX/XX/2023 ) from Bank of America notifying me that they were closing my account. The letter did not provide any specific reasons for this action, and when I inquired further, I was only told it was a " business decision. '' I have made multiple attempts to contact Bank of America 's customer support, both over the phone and by visiting a physical branch, but have not received any satisfactory answers or resolutions. This situation has caused significant distress and inconvenience, as the check I deposited was intended to cover my college tuition. Due to the bank 's actions, I have faced numerous challenges in meeting my financial obligations. 

I placed my trust in Bank of America to handle my finances responsibly, and I am deeply disappointed and frustrated by the lack of transparency and support I have received.