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

To Whom It May Concern, I am writing to file a formal complaint against Bank of America regarding a recent dispute and the subsequent overdraft charges on my account. 

Background of the Dispute On or around XX/XX/XXXX, I discovered that XXXX had charged my account {$110.00} without my consent, related to a delivery failure. 
I contacted XXXX, and they indicated they would allow a credit reversal for this transaction. 
Following XXXX statement, I opened a claim with Bank of America to dispute the {$110.00} transaction. 
Banks Initial Response Bank of America representatives confirmed on XX/XX/XXXX, that my claim had been submitted. 
I provided the necessary details for the dispute and waited for the claim resolution. 
Unexpected Denial & Account Overdraft On XX/XX/XXXX, I received a letter stating that my claim was denied. No additional information or document requests were made before this denial. 
On XX/XX/XXXX, Bank of America withdrew {$110.00} from my checking account, which only had {$66.00} at the time. This resulted in a negative balance of - {$49.00}, causing my account to be overdrafted. 
I had {$110.00} in my savings account specifically set aside for upcoming bill payments. Because the bank debited my checking for the disputed amount, I did not have sufficient funds to cover my automatic payments, leading to overdraft fees. 
Banks Response to Overdraft & Further Delays I contacted Bank of America immediately on XX/XX/XXXX, to dispute the reversal and the overdraft charges. 
They agreed to re-open the dispute but said it would take another 45 days to resolve, and work would not begin until after the weekend. 
Over that weekend, I incurred two more overdraft charges of {$10.00} each, because my account continued to be in the negative and automatic payments were still attempting to clear. 
Although Bank of America reversed those two {$10.00} overdraft fees, they maintained that reversing the original {$110.00} and causing the overdraft was valid. 
Hardship & Customer Service Concerns I have been a loyal Bank of America customer for over 11 years. 
I am a XXXX  who is paid only once per month, so I do not have the flexibility to cover unexpected overdraft fees or debits. 
Bank of Americas decisions have put me in financial hardship and risked my ability to cover essential bills. 
I believe Bank of America has failed to protect me as a consumer and has not followed reasonable dispute resolution practices. 
Resolution Requested I respectfully request that the Consumer Financial Protection Bureau review Bank of Americas handling of this dispute. 
I ask that my account be credited the {$110.00} that I believe was taken without valid authorization, and that any overdraft fees or other charges stemming from this situation be permanently reversed. 
I also ask that Bank of America expedite the resolution process, as the additional 45-day wait only further jeopardizes my financial well-being. 
Thank you for your time and assistance in this matter. If you require any additional documentation, I am more than willing to provide it.
Product: Credit card or prepaid card

I AM SO FURIOUS WITH XXXX AND CHASE CREDIT CARD. XXXX XXXX  CLOSED MY ACCOUNT WITHOUT EVEN ME BEING ABLE TO USE THE CREDIT CARD, DUE TO A " BUSINESS DECISION '' THAT WAS MADE BECAUSE THEY WERE NOT ABLE TO VERIFY MY IDENTITY. I GAVE THEM ALL NECESSARY DOCUMENTS INCLUDING MY TAXES, DRIVER LICENSE, AND SOCIAL SECURITY CARD. NOT ONLY DID THE CLOSURE OF THE ACCOUNT HURT MY CREDIT, IT PUT MY OTHER CREDIT CARDS IN DANGER AND CHASE ALSO CLOSED MY CREDIT CARD. MY CHASE CREDIT CARD LIMIT WAS XXXX AND DURING THE PAST 6 MONTHS OF USING MY CREDIT CARD RESPONSIBLY AND PAYING MORE THEN MINIMUM PAYMENT REQUIREMENTS, BEING SUCH A GOOD CUSTOMER CLOSED MY ACCOUNT FOR NO REASON, AND ALSO HURT MY CREDIT SCORE FOR THE CLOSURE OF THE ACCOUNT. i HAVE PAID OVER XXXX $ IN CREDIT CARD PAYMENTS THROUGHOUT THE 6 MONTHS IN WHICH MY ACCOUNT WAS OPENED, MULTIPLE PAYMENTS IN A MONTH, USING AND PAYING RESPONSIBILY. SO UNFAIR THAT THEY CLOSED MY CREDIT CARD BEING A GOOD CUSTOMER, PEOPLE STOP PAYING THEIR CREDIT CARDS FOR 4 5 MONTHS AND THEY DONT CLOSE THEIR ACCOUNT, YET I HAVE BEEN A GOOD CUSTOMER PAYING MULTIPLE PAYMENTS IN A MONTH AND USING RESPONSIBILY THEY CLOSED MY ACCOUNT AFTER HAVING A GOOD HISTORY WITH THEM. AND THEY DONT GIVE A LEGITIMATE REASON AS TO WHY I DESERVE TO HAVE THE ACCOUNT CLOSED, WHEN I HAVE BEEN SUCH A GOOD CUSTOMER. I AM DISAPPOINTED IN BOTH CREDIT CARD ACCOUNTS. XXXX DIDNT EVEN GIVE ME A CHANCE TO USE MY CARD CLOSED IT DUE TO VERIFICATION, WHEN THEY HAD ALL NECESSARY INFORMATION TO PROVE THAT I AM THE PERSON APPLYING FOR THE CREDIT CARD WITH A VALID DRIVER LICENSE, SOCIAL SECURITY CARD AND THE IRS VERIFICATION 4506 FORM.
Product: Money transfer, virtual currency, or money service

Opened up a Home Depot Credit Card Account for a remodeling job. Mailed a check to XXXX Depot for {$700.00} on XX/XX/2022, for one of the 1st payments. Paid Home Depot monthly payments on the Home Depot Credit Card from XXXX through XXXX. In XXXX we made a payment for the final balance for the amount of {$14000.00}. In XXXX we received notice that we still owed {$700.00}, and that is when we realized that our check was never credited to our account. I have spent the last 6 months submitting Dispute filings to Home Depot, letters to the President of Home Depot, multiple phone calls & emails to Citibank Credit Card Dept. I have received verification from XXXX that the transaction was approved, & my personal Bank that the funds were paid to Home Depot as an ACH payment. Home Depot & Citibank have been calling, emailing, and texting me with demands for additional payments. A recent letter from CitiBank states, " Home Depot was funded for the amount of {$700.00} on XX/XX/2022. There is no evidence that Citi was ever funded for the ACH, the documentation that was received is insufficient ''. I have given Home Depot/CitiBank all the verification needed, yet they still insist that I am responsible for loosing the check/ACH payment.
Product: Vehicle loan or lease

I have a car loan with Ally Financial. We fell behind in our payments because my husband has been out of work for medical reasons. On XX/XX/XXXX I made a payment of {$350.00} via XXXX XXXX. On or about XX/XX/XXXX I went onto Ally 's website to make another payment. I selected the option for other amount and made a payment of {$350.00}. On XX/XX/XXXX I noticed my checking account was grossly overdrawn. I checked my account and discovered that Ally had attempted to withdraw {$1100.00} from my account. I immediately contacted Ally and the representative told me that Ally was attempting to bring my account current?? I told the representative that they could n't just pick any amount they wanted and attempt to withdraw that from my checking account, that was fraud. I then spoke to another representative who said I had authorized that amount. NO I DID NOT, I did n't have the funds necessary to cover that amount so why would I submit a payment for that amount? I asked to speak to someone at a higher level than the individual I was speaking to and was told there was no one. I asked to speak to someone at a corporate level, or a problem resolution team, and was told there was no one. I went on XXXX  and searched Ally and found a XXXX page and made a comment about what was happening. I received a call and was told that a representative from the corporate resolution team would call me by Monday ( today is Thursday, no call ). My bank returned the payment for insufficient funds. On XX/XX/XXXXI informed Ally that I was MAILING a payment in the amount of {$350.00} and instructed them to make no attempt to withdraw any money from my account. The representative stated that she noted my payment and that there would be no further attempts to withdraw any more funds. On XX/XX/XXXX I went to my bank to make a deposit and discovered my account was once again grossly over drawn. The teller informed me that Ally had AGAIN attempted to withdraw {$1100.00} from my account. My bank is returning the payment again for insufficient funds and I once again posted a comment on Ally XXXX page. I do n't know if I need to close my account to prevent Ally from repeatedly and fraudulently attempting to withdraw money from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 3 accounts with Transunion for 4 months now and have not made any progress. These accounts are continuously reporting charge off EVERY SINGLE MONTH even though they are closed and charge off. This is effecting my last date of activity on my credit report there for it is never going to get removed if they keep this up. I have tried calling then several times and have sent several letters but I have not made any progress at all and it is really effecting my credit report and upcoming goals that I have and this is not fair! One account has even been reporting Charge off since May of last year. How is that even possible.
Product: Credit reporting or other personal consumer reports

I was informed by XXXX XXXX of amTD Bank credit card taken in my name with a balance of {$7000.00}. I never had any accounts of any kind with TD Bank. I reported the matter to TD Bank. I received a TD Bank letter dated XX/XX/2023 acknowledging my claim of fraud and stating that no further action on my part is required. 
I received no further information and the TD Bank balance continues to appear on two of three bureau reports. 
TD Bank will not work with XXXX XXXX to resolve the matter. 
I filed an FTC fraud report, which includes a copy of the police report with XXXX police that I filed. 
I made repeated calls to TD Bank. On one call, made more than 10 business days ago, I was told I would receive a letter from TD Bank. I received no letter. I can not find from TD Bank what the letter is supposed to say, or how to resolve the problem.
Product: Checking or savings account

I am a new customer to Citibank and just recently opened a new checking and savings account. As soon as I received confirmation that my account had been opened I setup my XXXX so that I can receive money from my employer and relatives. On Monday, XXXX, XXXX XXXX my father sent me a XXXX for {$3500.00} and sent {$130.00} the very next day so that I can pay my mortgage before it reaches foreclosure. I process the payment on Tuesday XX/XX/XXXX and checked my online account with Citibank to find out that my account was been blocked. I reached out to Citibank to find out why it was blocked and was told that cant help me until I received a letter in the mail with a reference number. I asked the rep if I can step into the bank to be verified and was told no ; that the only way for me to be verified was by the reference XXXX  on the letter. Currently I have my mortgage payment froze in my Citibank account hoping that it can be paid before my house goes into foreclosure. Ive emailed XXXX and Im still waiting for a response.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter detailing that I am a victim of fraud and also have called Equifax on numerous occasions trying to get a resolution. Every time I explain that I am asking them to block fraudulent information on my credit report but after a dispute is initiated their response is " the original creditor has confirmed the account ''. I sent in a police report, FTC Identity theft report, FTC affidavit and supporting documentation stating that I lived no where near where the fraud took place. I also used the letter template on the FTC site on how to request a block. Still I am met with the same response and am told that Equifax doesn't investigate the issue but rather sends it to the debt collection agency to investigate. The collection agency obviously does not want to give up the account so they always confirm the Account. 

If every Consumer Reporting Agency did this I guess I wouldn't have an argument, but XXXX and XXXX have already complied with my request and removed the fraudulent information. This implies that they were actively making the effort to investigate the matter and also reflects poorly on the diligence and concern of Equifax.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX, TransUnion, and XXXX have ignored my request to provide me with the documents their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requested to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Money transfer, virtual currency, or money service

I have gotten my child support on venmo. My children 's father sent me {$120.00} via venmo. They flagged me trying to transfer my balance to my XXXX debit card because I hadn't received the venmo debit card yet and needed the money immediately. We'll they asked for ID which I provided then asked for card transaction history which I submitted as a checking account statement as that is the only available statement relevant to the card and they didn't accept it and closed the account permanently. Which I don't care about at this point. HOWEVER they said they are not releasing my funds back to until 180 days if they even do then for " loss prevention purchases ''. Which does not apply considering I NEVER got to use the new venmo before the did all this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Axos Bank placed an inquiry on my credit after the sales rep for auto refinancing was explicitly told that I was not interested if there would be a credit inquiry because I am currently house hunting. 

The sales person assured me no inquiry would be done and it was done without my approval. 

Now Axos will not respond or answer phones.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2021 experian and XXXX received a bankruptcy account from XXXX. I disputed the accounts to see who furnished the accounts and it came out ot be XXXX. XXXX is in violation of 15 USC 1681b and had no permissible purpose to furnish any information to any unaffiliated 3rd party. After disputing these accounts with XXXX they ruled that the accounts were not verifiable, and we deleted. However, XXXX and experian are still reporting harmful information that has been proven to be unverified from the furnisher.
Product: Credit reporting or other personal consumer reports

I discovered several incorrect late payment records on my credit report. These entries do not align with my usual payment behavior. Please fix these errors and update my account appropriately.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally demand the removal of fraudulent credit card accounts from my credit report, which have been attributed to identity theft. The accounts in question are : XXXX XXXX XXXX XXXX. 
XXXX XXXX ( XXXX ) These accounts were opened without my authorization and do not belong to me. I have attached a copy of my Identity Theft Report as supporting documentation to validate my claim. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to block and remove inaccurate or fraudulent information from my credit report once you have received sufficient evidence of identity theft. The attached documentation fulfills this requirement. 

Failure to act promptly and comply with your obligations under the FCRA will leave me with no choice but to pursue legal action to protect my rights and ensure the accuracy of my credit report. 

Thank you for your immediate attention to this matter.
Product: Debt collection

i had a   XXXX   XXXX   card that had a balance of  XXXX  dollars on it and i have been making payments towards it since last  XX/XX/XXXX  but i have rencelly found out that they have the debt collection places min. payment is  XXXX  dollars whereas i was told it was  XXXX  is there anyway of getting this took care of because they are threatening to take me to court in a state i do n't even live in anymore
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it is only showing on my Experian account. Please provide evidence of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$1100.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX  XXXX {$970.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX {$270.00}
Product: Mortgage

My husband and I are trying to refinance our house. Ocwen is our 80 % mortgage holder and they are not reporting our monthly payments to the credit bureaus. We tried to refinance with a mortgage broker and when she ran our credit Ocwen a showing as a close the account ( See example A ). She told us this is affecting our credit score and in turn we can not refinance. I contacted Ocwen 's resolution department to discuss this matter, they told me they are reporting our monthly payments to all XXXX credit bureaus XXXX, XXXX, XXXX, and XXXX as current and that I could contact the credit bureaus to confirm. When I contacted all XXXX credit bureaus to confirm our account is being reported as current they told me Ocwen is not showing on our credit. We have a high interest rate as well as it is a fluctuating interest rate with Ocwen. They will not let us refinance with them and we are unable to refinance with another company due to our credit score because of Ocwen 's lack of reporting. Ocwen 's resolution department sent me a response letter stating that they are reporting to the credit bureaus. And when I spoke with the credit bureaus individually I was told Ocwen is not showing at all on our credit report. Ocwen is still refusing to fix this because they say they are currently reporting our account as current. Since claiming bankruptcy in 2008 we have never made a late payment to Ocwen or our previous mortgage servicers. Since informing Ocwen we were speaking to other mortgage brokers about refinancing we have started to receive phone calls from a man named XXXX XXXX claiming he is from the Federal Government Mortgage Relief Program and that he can reduce our principal balance by {$45000.00} bringing are principal and interest payment to {$540.00} with a fixed interest rate of 1.6 % and he tells me that only he can talk to Ocwen to make these numbers official. But he does n't realize that when he called the XXXX to time the number on my caller ID showed up as a number I was given by an Ocwen employee as a number I could call Ocwen to check the status of the issue with our credit report. Can someone please help us we currently own more on our house then it 's worth we have never refinanced or remortgaged or borrowed against our house and just want to be able to afford our monthly mortgage payments and right now with our taxes and insurance we are paying about {$1800.00} monthly we are drowning.