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

I made two payments from my checking account with TD Bank for two credit cards on Friday XX/XX/2020. One payment for XXXX dollars and another payment for XXXX dollars. Then on Sunday night I made a withdrawal of XXXX dollars. Which made the account negative. I accepted the XXXX dollar fee for that transaction. However, I was not aware that the two payments did not go through yet. I now discovered that I was charged XXXX in OD fees. That's outrageous. Especially that I am being charged XXXX dollar fee on a XXXX dollar payment! I called TD bank to try to get a refund and they said that these are the rules and there is nothing they can do. These kind of business practices are suitable for a shady 3rd world credit card company not for a reputable Bank. It is highway robbery. This needs to be publicized and TD bank to be shamed into abandoning such disgusting practices that tramples the average honest consumer. I demand a reversal of these very unfair fees.
Product: Credit card or prepaid card

On XX/XX/2018 my paycheck was direct deposited into my Amex serve account. I checked my account around XXXX XXXX on XX/XX/XXXX and my balance was XXXX $ and change. I work nights So when I left my shift at XXXX XXXX  on XX/XX/XXXX, and checked my Amex serve balance. There was at that point XXXX $ dollars in my account, all my money was gone. After checking my account, after my direct deposit went threw there was four charges on my account that were fraudulent and not made by me. The charges where actually money transfers from four different names I never heard of before. The first charge took my entire direct deposit amount. The second was a few hundred $ sent back to me. The third was another few hundred sent back to me. The fourth was the remaining balance sent someone. These were all transfers from all different people I never heard of in my life. I immediately called Amex customer service to start a dispute, the next day I got a Email from Amex saying the charges were not fraudulent and there is nothing to do to help me, my account was also locked and shut down due to them saying I violated there policy. I called back today XX/XX/XXXX to try to resolve this issue again. Customer service said there was nothing else they Could do and they could not transfer me to the Fraud department and the only was to reach them is by email or a letter via postal service. I then asked to talk to a supervisor, was out on hold. I waited 2 hours on hold and no one ever picked up. My account is clearly compromised and all my hard earned money was stolen. The only thing I can think of is a email I received claiming to be Amex serve asking me to validate my account. The logo was exactly the same and looked authentic. It even brought me to the Amex serve account website. I verified all my information and my guess is this is how my account got stolen. I sent Amex serve this email and told them about this and they did nothing and said nothing about it. My next step is calling my lawyer to pursue Amex legally in hopes of recovering my hard earned money. Please help me out as this is completely insane and Amex serve is allowing this illegal activity to happen on a account that is said to be completely protected against fraud.
Product: Debt collection

I had my vehicle repoed & I had to use XXXX paychecks to get it back & now I 've gotten behind on my loans. I 'm job hunting also for a second income to get caught up since my husband passed. I have references on a loan with Loan Express & a man named XXXX that works there is constantly calling all of my references & my work supervisor on a daily basis even when they 're at work or home repeatedly & also leaving messages on their phones on a daily basis. I sent them a letter stating my references names & phone numbers & asked them to please stop calling these people constantly. However my inlaw told me that yesterday he called her while she was at work repeatedly so much until she stopped answering because he started using other phone numbers to get her to answer & my other references say the same has happened to them too. Also, I do n't know why he 's calling my supervisor but it has gotten me in trouble at work & he wants him to stop leaving him messages also.
Product: Checking or savings account

I recently tried to deposit a {$10000.00} check advanced against my XXXX  at another bank into my checking account at Chase. Chase automatically placed a 2-week hold on the full amount of the check. In speaking with the holds department on the phone, the representative acknowledged that, per regulation, {$200.00} had to be available immediately and {$5000.00} within 2 business days, but they failed to release any part of the hold. Two days after the other bank had verified the transaction on my behalf, I had to have a conference call between the two banks in order for any amount of funds to be released. 

I just tried to deposit a {$4000.00} cashier 's check, which is part of the payment for a private-party car sale, and they told me they would be placing a hold on the full amount, and I would need to speak to someone in the holds department again. I did not complete the second deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an error on my consumer report furnished by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX my consumer report, there is late payments reported and Fraudulent accounts which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Product: Checking or savings account

On XX/XX/XXXX I attempted to login on the citi bank mobile app with my online credentials to access XXXX Citi bank regular checking account ending in XXXX and my Citi XXXX savings account. For some reason when I logged into my account thru the there mobile app the access to both my citi accounts were blocked by Citi Bank with no info on why my accounts were closed. My funds from my citi bank regular checking account ending in XXXX were frozen as well that same day. The amount of funds that were frozen in my citi bank regular checking ending in XXXX on XX/XX/XXXX was {$180.00}. 
I contacted Citi Bank the same day on XX/XX/XXXX and asked why my checking and savings account were closed and why my mobile login access was blocked they told me very little information and said I couldnt bank with them no more and that my accounts were being permanently closed. So I told the citi bank representative, if my accounts are going to be closed then how will I get my {$180.00} back that were frozen in my citi bank checking account that I opened with them and she told me they couldnt do nothing about it! So I am complaining today because I want Citibank to mail me my funds to the address i have on file with them which is the same address I used to open my bank account with them. I want citi bank to mail me a check for the total amount of {$180.00} that belonged to me and that were frozen on my Citi bank checking account. thank you.
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX XXXX. I reside at XXXX XXXX XXXXXXXX XXXX XXXX in XXXX, Texas XXXX. On XX/XX/2024, I purchased a cashier 's check in the amount of {$63000.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. The cashier 's check number is XXXX. The money came from my personal savings account XXXX routing number XXXX. This money was sent to XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. She deposited the check in her checking account on and was told there would be a hold on it through XX/XX/XXXX. She banks for Chase Bank in California. She was informed that they did not intend to honor the deposit as they suspected this to be a romantic scam. My bank informed me that the money would be returned to my savings account. Chase had cashed the cashier 's check and intended to wire the money back to my account. I attempted to speak with Chase myself, but they refused stating I was not their member. I was not given any explanation as to why they are STILL holding onto my money. I understand there was an investigation, but this should have been concluded by now. I had XXXX 's account number and routing number, but I was unable to locate at this moment. I'm sure I will have it before we communicate again. I did make a complaint to the XXXX XXXX XXXX over two weeks ago. They gave the assignment to a Chase employee to check on the holdup. I spoke to her after the first week and she stated she didn't have any information at that time. In the meantime, all my plans have come to a stop. I was to be out of my apartment as of XX/XX/XXXX as I was moving to XXXX XXXX, South Carolina. I am unable to do that since my money is tied up. I am a XXXX XXXX and I do not work during the summer months therefore I am on limited funds and something has to be done. Any assistance or suggestions from your office will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy reporting on my credit report by XXXX, XXXX, and Experian. I contacted the bankruptcy court to see if they share that kind of information with reporting agencies, they said no. I sent letters at the end of XXXX to each reporting agency to have the bankruptcy removed since they are reporting from an inaccurate source ( I included the letter from the bankruptcy court saying they don't release that information to the public ) and have not heard back. I filed a complaint with the Attorney General as well. 

Having this bankruptcy inaccurately reported to my credit report is causing me emotional distress and is stopping my ability to attain credit for my business. They did not obtain this information from an accurate source and I would like it to be promptly removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my annual credit report I noticed a hard inquire that I never approved Pentagon FCU on XX/XX/2017. I attempted to reach creditor and was unable to
Product: Debt collection

This collection agency put this business credit card on my credit without any notification or letter notifying me of the existence of this debt. They kept calling my work place and leaving messages about this debt with 3rd parties. On XX/XX/2019 they removed this debt from credit bureaus and even though I requested them to validate the debt they did not and proceed to add the collection item back to mt credit with a different account number. I called the original creditor and could not get any information was told it was sold to this collection agency.
Product: Debt collection

Dear Southwest Credit Systems / Sir/Madam , I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies. 
The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt.

2. The legal basis for collecting this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. A full account history, including all related charges.

Your actions violate FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I demand the immediate removal of this fraudulent account and a prompt resolution of this matter.
Product: Bank account or service

i was a XXXX Customer. XXXX was recently acquired by First National Bank ( PA ). I was just informed by FNB that I will not be able to access any of my prior banking records online from XXXX. I never received notice that this is the case and find it hard to believe that FNB can aquire a bank and then purge all of the customers past history under the old bank.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. Would you mind examining the paperwork? Some of the listed accounts display inaccuracies in their reporting.
Product: Credit reporting

I went to www.XXXX.com and filled out the online form. But I did n't receive a report from them.
Product: Debt collection

On XX/XX/XXXX I contacted ( in a timely manner ) the original creditor XXXX  ISP, to inform them one, to discontinue my autopay service ( which they did not ) and two, to give the same service at a discounted rate, and three, I made a payment in the amount of {$80.00} ( the amt. of the bill ). XXXX  debited my account via XXXX debit on XX/XX/XXXX. I called on that day at @ XXXX XXXX and spoke with a gentleman by the name of XXXX XXXX XXXX confirmed the initial payment and the additional payment that was ACH debited from my account. He then informed me that in order to expedite the process that I would need to contact my financial institution. He stated if I waited for XXXX  it could take several weeks. It was Saturday and due to it being the weekend I had to wait until the pymt posted to get the credit. I called Monday once the pymt posted and was issued a temporary credit of the {$80.00}. My bank contacted me on XX/XX/XXXX via email advising that based on the aforementioned information ; I won the dispute. WOW was in error for double charging me and debiting my account. I have attached the supporting documentation. XXXX and the next rep that I spoke with advised I would not have a balance because I ended up cancelling the service and due to me being at the end of the billing cycle ; I would not receive an additional bill.
Product: Checking or savings account

I noticed that Crypto.com app was taking money out of my Bank of America business account without my permission. It was a total of XXXX over the course of several months. They used to have a setting that anytime I transferred money I would get a pop up message where I had to call my bank to allow that transaction to go through. That setting option was removed by Crypto.com and yet somehow Bank of America allowed all these transactions to go through. I didnt get anywhere with customer service at Crypto.com so I filed a complaint with my bank, Bank of America who I have been a member of since 2013. They have denied my claim twice. The first time my claim was denied because they said XXXX has security measures that should have prevented this. Without providing proof of anything else. The second denial Im not sure about. I havent been able to get any answers. Im a single parent and work hard for my money. Im now 2 months past due on my mortgage and in threat to get foreclosed. Please help.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of dispute, particularly in light of recent XXXX lawsuit highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX findings indicate that Zelle had not only neglected to protect consumers but had also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX-Loan XXXX XXXX lease XXXX XXXX-Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

XXXX XXXX-Loan XXXX XXXX lease XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Mortgage

I have a current mortgage with Carrington Mortgage. I have been paying additional payments monthly towards reducing the principal in addition to my monthly mortgage payment. I have received numerous calls and requests to redo my mortgage citing the additional principal payment as the motivation for these solicitations. Last month I gave in to numerous calls from an employee named XXXX @ XXXX who claimed that he could refinance the mortgage and provide me substantial savings. I agreed to let him show me the numbers and he said that to give me the information, he would need access to my credit scores. I agreed to the inquiry and received a lengthy document that I scanned to see just the numbers which did not show a substantial savings. He called after I received the papers and I told him that I did n't want to change anything about my mortgage and I did n't want to refinance. He was aggressive and pushy and I was definite about not refinancing. I received a letter several days after our conversation which was a document " Statement of Credit Denial, Termination, or Change '' described the description of Account, Transaction or Requested Credit as " Obtain residential mortgage financing '', and description of Action taken as " Application withdrawn '' .. I NEVER applied for a mortgage. I was told by a lawyer that this would reflect negatively on my credit and indeed I have copies of the credit reports which state the same. I want Carrington Mortgage to rescind the letter from any credit reporting agency. I should n't have to explain to any potential lending institution that I never took funds from this loan application, because there was never an application made. This action by Carrington Mortgage puts them in the class of XXXX XXXX who sets up accounts unbeknownst to their customers and then charges them interest. I will not be happy until I have in writing that this aggression has been reversed and that I will not have to explain away the actions of my mortgage company through no fault of my own. I never agreed to, signed nor requested mortgage refinancing. It tells me that the way I am paying off my mortgage must be in my best interest, because the company certainly does n't do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XXXX XXXX, XXXX XXXX  XXXX XXXX   XXXX XXXX Reported : XXXX XXXX, XXXX DEPT OF EDUCATION / XXXX  Reported : XXXX XXXX, XXXX DEPT OF EDUCATION / XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - {$1800.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting  his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and  other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX