23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

FIFTH THIRD BANK ( 53 ) Unfair banking practices- Overdraft fees XX/XX/2016 : I was forced to write a check at the grocery store because I had left my debit card/cash at home. Later that evening, I took cash money to the local ATM to make a deposit just to be safe ( prevent any NSF fees ) I had direct deposit scheduled for XX/XX/2016 ( they were closed on Monday XX/XX/XXXX for XXXX ) but, was unable to deposit the money due to " out of service '' notice on ATM screen. The Direct Deposit deposited on XX/XX/XXXX and all the checks that had been written over the past week and weekend were also debited that day however, all debits were removed BEFORE the deposit was credited to the account and I was charged {$74.00} in NSF fees. There has also been an instance of fraudulent charges being placed on the account, my balance depleted below the amount to cover pending checks. I was issued credits for the fraudulent charges however, the bank refused to remove the NSF fees that incurred due to those charges. The bank also did not cancel the card as requested during those disputes and the charges reappeared on my account 2-3 weeks later along with more NSF fees caused by those charges. Again, the fraudulent charges were removed but, they refused to remove the NSF fees- they did however, state they cancelled the card. They also informed me I would not have access to online banking or mobile banking for 7-10 days while the account was " undergoing updates '' so I am unable to verify anything on the account. Thirdly, the bank ALWAYS orders transactions so deposits are credited last and online payments are debited before the deposit is credited. AGAIN, fees have been incurred because of the way the bank CHOOSES to order these transactions- I have lost several hundred dollars due to these issues and the bank refuses to assist me with rectifying these issues.
Product: Debt collection

Dear National Recovery Agency ; XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. Again, I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question.

You have violated my rights under the following sections of the FDCPA : 1. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action.

2. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter.

* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken.

3. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter.

4. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.
Product: Debt collection

I am writing to formally dispute through XXXX and came back the same. Problem with a Companys Investigation into an existing problem. 15 USC 1681. 
With my disputes their is still inaccuracy in my Credit report with Santander Consumer USA.
Product: Credit card or prepaid card

On XX/XX/2019 I made an online purchase from XXXX in the amount of {$320.00} which was charged to my American Expess Serve Pre-Paid Debit card ending in # XXXX. They had to order it for delivery to the local store for pickup by me. On XX/XX/2019 I picked up the items from the local XXXX XXXX XXXX # XXXX. I was remodeling a bedroom and wasn't ready to install the closet bi-fold doors yet ( The items I picked up ). When I was ready to install the doors I opened the packages and discovered that 1 of the doors was damaged and both doors had a very poor finish and were not of satisfactory quality. On XX/XX/2019 I returned both bi-fold doors to the local XXXX XXXX XXXX  # XXXX for a refund of the purchase price of {$320.00} to be credited back to my American Express Service re-Paid Debit card ending in # XXXX. On XX/XX/2019 I received an email from American Express Serve stating my Serve Account ending in # XXXX was suspended due to " one or more credits were issued on your account that did not have a corresponding debit ''. This was a plain fraudulent misrepresentation. I have printed documentation from the Serve website regarding my transaction history which clearly lists both transactions. I called them numerous times since XX/XX/2019 to request this problem be corrected and was told they would submit my request to their " BACK OFFICE '' for review. Each time I have called I receive the same response. In addition I am told there is no time frame for this to be resolved and that I would receive an email from the " BACK OFFICE '' as soon as it is resolved. On XX/XX/2019 they restored the funds back to my Serve account # XXXX, however they locked the account so I would not be able to withdraw the funds and cancel my account. They told me it was still under Merchant Transaction Review. They have taken 11 days not to review this transaction and clearly can see it in my transaction history. The only method of reaching the Serve Card Team is by Phone to XXXX which connects me to the XXXX, Account Protection Service. There is NO USA number to call and reach someone who can resolve this issue. The customer service number on the card goes to a voice mail prompt asking what type of problem and never connects to a human being. It is now XX/XX/2019 and I am still waiting for my email from the " BACK OFFICE ''
Product: Mortgage

I have requested PMI be dropped numerous times and citizens bank refuses. My original loan was for {$290000.00} and now I owe about {$220000.00} which is about $ XXXX lower than the automatic cutoff of PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month the publish in my credit report as if they are a new account and its affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Jpmcb card application with a credit inquiry on XX/XX/2022. I have never applied for this. There have been other instances in which I reported this activity. The previous incident was on XX/XX/2022
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My complaint is that XXXX XXXXepartment of Student Loans Servicing are reporting inaccurate balances on my credit report. In XXXX I was attending college using my post XX/XX/XXXX VA benefits, but by error, only XXXX XXXX of my tuition was being covered. A reimbursement check was sent to the school on XX/XX/XXXX to cover the remaining XXXX XXXX of tuition that was paid by me using student loans and XXXX, as I am eligible for XXXX XXXX tuition coverage. Right now, I still owe XXXX for student loans that were taken out and paid to XXXX XXXX  on my behalf, even after the reimbursement by the Department of Veteran Affairs. I have included the ledger card provided by the school showing where the school has been reimbursed to this dispute letter. I was advised by my financial aid advisor to contact XXXX student loan servicers and again by XXXX to contact XXXX XXXX  financial aid advisors. These balances are inaccurate and I am requesting they be removed immediately from my credit report. 

I have attempted to contact all parties involved but was unable to get my issue resolved. I was only referred back and forth between the college and the loan servicers. I also placed a mail in dispute to Experian requesting the balances be deleted due to inaccuracies but have not received a response in over 90 days, which is well over the time they have to investigate and provide me with accurate and original copies of proof of balances. I have included all documents showing my efforts to resolve this issue before filing this complaint, to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am dealing with things being placed on my credit report that that are not accurate and they have my name and last name on there spelled incorrectly I need it taken off as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these items are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX Open Date XX/XX/XXXX Balance : {$55000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$54000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$52000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$42000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$21000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Docket Identifier XXXX
Product: Mortgage

This is in response to Complaint #  XXXX .  <P/> The answer is NOT acceptable. It clearly admits liability that DITECH misappropriated funds. We do NOT have a    XXXX   XXXX    account nor ever had one. It is the full responsibility of Ditech to recover the monies they misappropriated and credit account in full to  XXXX   XXXX .  <P/> 1. The {$14000.00} must be applied to principal only on account #  XXXX .  <P/> 2. Please provide photocopies of all checks received. Show where total is {$14000.00} instead of {$14000.00}. This has been reviewed and verified by the  XXXX   XXXX    XXXX   as the correct amount.  <P/> 3. If you have a mail delivery problem, address it directly to USPS.  <P/> 4. All monies of {$14000.00} are to be applied to Principal Only. No authorization was given for {$360.00} to be deducted for administrative costs. Our records through monthly certified mails receipts indicate no late fees of any kind. This amount must be re-applied to principle amount immediately.  <P/> If this matter is not resolved by the time frame of the required reply,  legal council  will immediately submit a Summary Judgment against Ditech in  the county  court of  XXXX   XXXX ,  XXXX , CO., in order to recover funds.  <P/> Because DITECH has held the monies in their possession since  XXXX   XXXX , they are liable for actual and punitive damages, interest, certified mail fees, and all legal fees and court costs.  <P/> A formal complaint with the Attorney General of CO has been filed concerning consumer fraud, misappropriation and extortion of funds.  <P/> All replies are forwarded to local  XXXX   XXXX , Consumers Corner for on-air viewing.
Product: Debt collection

I received a call from Sunrise Credit Services on XX/XX/2019 in regards to a past due Bill I have. I spoke with an agent around XXXX EST. I asked some clarifying questions in regards to credit reporting on my account. He responded with some very vague answers and then tells me that I NEED to pay my bill. I then question him telling me what I need to do and he responds back by saying he didn't say that, that he said I recommend you pay your bill. He flat out lied to me about that as the agent said I NEED to pay. Which is very misleading and confusing and deceptive by telling me I need to pay my bill. 
As he never asked if I was disputing it which I am The agent then proceeds to tell me that I am wasting his time and hangs up on me. I am very concerned about this behavior and being told that I need to pay my bill and how rude and abusive he was on the phone for lying to me and then trying to cover it up and the fact he hung up on me after saying that I was wasting HIS time. I feel very mislead and abused as well as misinformed by this agents actions.
Product: Prepaid card

today is XXXX/XXXX/16 Dear cfpb, I have a cash only prepaid debit card with bluebird, handled by American express. I can only add funds to it by going to XXXX, with cash. An electronic transfer was made into this account by an online credit union on XXXX/XXXX/16 for XXXX cents. On XXXX/XXXX/16 another online transfer by the same credit union in the amount of {$2500.00} was made and then withdrawn 5 hours later. Later the credit union realized their mistake and asked bluebird to return the funds which were already withdrawn from my account. Bluebird refunded what funds were left in my account to the credit union, {$190.00}. All these transactions were done without my knowledge and I was not aware of this until I went to use my bluebird card and found out it was frozen. 
I 've called both the credit union and bluebird countless times with an unbelievable assortment of stories. I just want my {$190.00} back. Its a cash only prepaid debit card, this is a pretty much an open and shut case, but American express refuses to help. I gave the credit union the transaction numbers that were given me thru emails but they said those numbers do n't match ones they typically use and could not talk to me further about the matter.
Product: Checking or savings account

On XX/XX/XXXX I tried to make a XXXX payment to a phone number, had to download the app, which I do NOT like to do, but I did. Three times CHASE bank rejected it then they suspended my online banking. 
Wrote you, got a call from someone the next day named XXXX, who said he would fix it as my car doesnt run, I am a XXXX senior with no transportation and have been looking for my Social Security card for months before this, still have not found it. But I have the number memorized. 

So XXXX sd he would call me back today, nope. Then I called CHASE again today, finally got thru to the 'internet department ', she gave me the same story as originally, bring in two IDs. SS card even if I found it is not supposed to be used as ID btw by Federal law. Lady today sd bring in two forms of ID, that was that. CHASE sucks, 'we value our customers ', what a joke. My Calif ID is expired bc my car does not work and covid has interfered with me getting it fixed, and ID renewed. I begged them to accept bills with my name on it when I spoke to XXXX but this woman today was abrupt and refused to open my online account, suspended for 'suspicious activity ', WHAT susp. activity? Downloading their app and being rejected by them?? 

Online banking is more accurate with CHASE, I can see exactly what is pending etc. I want access to it back, I use a laptop. 

Thank you so much!!
Product: Mortgage

I have opening case- XXXX This company has not addressed the late fee issue ; instead, they've sent me a new bill with the late fee included. What concerns me is that the same situation, which was supposed to be resolved in the last case, is happening again now. The company assured me over the phone that they would rectify the late fee due to a system mistake, only to charge me again. 

I've lost trust in this company as it seems they are finding excuses to charge customers, possibly because I locked in a low rate and consistently paid my bills on time each month. 

I request assistance in resolving this matter and preventing other customers facing similar issues from experiencing the same. This situation is adversely affecting my credit and consuming valuable time as I have to repeatedly dispute such matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX {$2500.00} XXXX XXXX {$380.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$22000.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$87.00} XXXX XXXX XXXX $ XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX  XXXX {$91.00} XXXX XXXX {$730.00} XXXX XXXX {$710.00}
Product: Debt collection

An illegal collection account was placed on my account from CKS Financial. CKS Financial states they are collecting for " XXXX XXXX XXXX. '' I contacted XXXX XXXX XXXX and they state they have ever had an account for me. I contacted CKS Financial with no response. I have also sent a debt validation to them. My address on my credit reports has been up to date, my phone number has not changed. I have not received any communication from CKS Financial and now they are listing a {$330.00} debt on my credit report illegally. I will also be filing a police report related to this incident.
Product: Debt collection

Failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Product: Debt collection

XXXX XXXX in North Carolina erroneously charged me {$270.00} in fees for doctors appointments in XXXX and XXXX XXXX that resulted in XXXX collections accounts being sent to Optimum Outcomes Inc. Optimum Outcomes listed these accounts on my credit file in early XXXX. After contacting XXXX XXXX 's billing department to research the erroneous charges, they pulled the accounts out of collections and closed them/zeroed the balance ( to date, their systems show these accounts as closed ). It was also updated at Optimum Outcomes to show the accounts were resolved/closed. At the time, these accounts were removed from my credit file. 

In XXXX XXXX, these accounts reappeared on my credit file ( I was given no notice via mail or phone that these accounts were reopened or there was an attempt to collect a debt ). In late XXXX, I called XXXX XXXX 's billing department and XXXX XXXX confirmed the accounts were still closed with them and they had not taken any further action. I contacted Optimum Outcomes and was told their systems showed the accounts as closed. They advised me to contact the credit bureaus to dispute the items as they had no explanation for why they reappeared. I disputed with all XXXX bureaus. XXXX researched the dispute and informed me that Optimum Outcomes responded to their inquiry stating the accounts were open and unpaid. 

These accounts were closed in early XXXX, there is no reason why they should be open as I do not owe XXXX XXXX or Optimum Outcomes any balance. 

This has negatively impacted my ability to refinance my home as my credit score has dropped dramatically. I can no longer secure the rates that would have been available to me before my score dropped.
Product: Debt collection

Collection agency was notified of bankruptcy and still continue to report account on credit report. under number XXXX. Notified bankruptcy under XXXX which is correct numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my personal name with XXXX because, they are not reporting me accurately However, they decided to not correct the error and remove any other aliases they have of me. I only have one name, XXXX XXXX XXXX XXXX XXXX has profile under anther name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My debit card was stolen. I saw a transaction for {$290.00} from XXXX. I did not make this purchase it was from my stolen debit card.I called the bank and they reversed it. Then they took it back out. I went to the bank and they said the reason they took it back out was because my pin number was used. I told them my card was stolen and I NEVER gave anyone my pin number. I also calledXXXX to get information about the purchase and they couldnt help me at all. I went back to the bank and told them I wanted to appeal it. They said I couldnt because my pin was used!!! I got nowhere.
Product: Credit card or prepaid card

On XX/XX/XXXX I logged into my BB & T XXXX rewards account to find that I had received a {$100.00} account credit. I was curious why I received this credit so I contacted customer support who instructed me that I had indeed been granted a {$100.00} reward credit and that I would be receiving a letter soon explaining the situation. About a week later I received the letter stating I had received the credit as part of a " quality audit. '' I then redeemed the reward credit and had the money applied to my account. On XX/XX/XXXX nearly a month after receiving the credit it was recended. I then contacted BB & T support to see what was going on. I was instructed that it was a mistake affecting hundreds of customers and it would take several months to resolve. My reward account now sits in the negative and it is unclear when it will be resolved.