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

I have a serious issue with this Rep with BB & T. Her name is XXXX and I spoke with her today after I called back again when they hung up on me. Not a way to do business. 

I have an issue with BB & T Bank. My account number ending in XXXX. This is a student account because I am a college student.Now I opened up an online account and I requested the overdraft protection. I had a {$6.00} overdraft and they charged me {$36.00}. Ok I understand that. That was less than a week ago. Now today I get a letter stating that another {$36.00} fee was attached to my account and Now its at a - {$77.00}. So I called BB & T at XXXX and also the number of the back of my card since they hung up on me the first time XXXX. I spoke with a XXXX. I told her that I did n't understand where the extra {$36.00} fee came from. She told me they paid the overdraft and I knew that and that they charged me another fee since it was n't paid within 7 days something that I never heard of before. I told her what is the purpose of the overdraft protection if I am still being penalized. I am being charge {$70.00} plus dollars for {$6.00} dollars. She stated that the overdraft protection is a courtesy that the bank can pay it or not pay it. So I asked her whats the purpose of it if I am still penalized. I had already made contact via email regarding the initial {$36.00}. So I asked XXXX am I going to be charged every week another {$36.00}. She said only once. I told her to close out my account and send me the remaining balance of {$77.00} because I was n't misled like this with the other bank. She told me she could n't close my account out until I bring it current then she can do it. I told her that I want that account closed right now. That I am not paying anything until I get the information that states its closed and I get the balance in my hand. She then threatens me by saying she will send it to collections. I told her I do n't care who she sends it to. CLOSE IT OUT. So now since I do n't want to do business with BB & T, she is going to deliberately allow my account to linger and accrue more fees in an attempt to inflict harm to my credit. What Bank reps you know threatens collections when a consumer wants to stop doing business with them. That 's crazy. At that point, I was getting irritated with her and to keep from cursing her out, I hung up. No one threatens me to do anything. Who is she suppose to be. They trick the consumer into opening these online accounts to get over on them later. I have a right not to do business with anyone who allows their rep to behave this way. If I have to go to the media with this, I will do just that. But I suggest BB & T get a grip on its employees and their scheming practices. I will not pay any money to them until they close out my account. And I am only paying the {$77.00} I should n't even pay that since they never disclosed a 7 day fee of an additional {$36.00}. This is the first time I have heard of such nonsense.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of identify theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these Fraudulent inquiries from my credit report. I have also attached my identity theft report as well.
Product: Credit reporting or other personal consumer reports

I am writing to DISPUTE the following portfolios that your company supplied to one or more Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, adequate adhering of Federal and state reporting laws and or appropriateness in your docile adhering to the mandatorily applied credit reporting industrys rites namely the XXXX own XXXXdetailed Metro2 Formatted reporting without deviation ( s ), errors, nor omissions oflegit summaries of derogatoriness that possibly can else better ensure integrity of blasphemies made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which potentially can have NOT been satisfied or suitably maintained. I further, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably obedient reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are competent to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED.
Product: Checking or savings account

XXXX XXXX XXXX XXXX. Capital one has been refusing to give me access to my funds. I got a direct deposit from XXXX XXXX XXXX ( XXXX payer group ) in the amount of {$32000.00} on the XXXX of XX/XX/2023. The deposit was as a result to what IRS owed me and refunded. I went to the bank the next day and I was told theres a block on my account and I cant access my funds for now. I was so disappointed then I proceeded to ask the lady whats the actual cause of the restriction on my account, then she said its because of a previous check I deposited in the amount of {$5000.00}. I told her, I didnt take a dime out of that money and I was the one who requested for a stop payment on the check. So, I told her I want a check for the good funds in my account which is my tax refund from IRS but she said I cant access my account. I went there another time with my tax documents, hoping to show them the documents in order to access my money but she refused. Meanwhile, before I went to the bank the third time, I talked to the account activity department on ( XXXX ) XXXX and the lady who talked to me, told me to go into the branch and I will be given access to the good funds from IRS but unfortunately upon getting to the bank. The branch ambassador which is XXXX ( XXXX ) XXXX and her contact numbers are ; XXXX, XXXX refuse to give me a check for the good funds despite the fact that the other supervisor said I should go in there to get it. Well, Im suspecting a foul play and I think capital one is just trying to steal from me or maybe its the branch ambassador but then, please and please I need MY MONEY. Im starving and broke, help me please! I want access to good funds that came from the XXXX payer group please. Im begging!!!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My son, is a card holder on my credit card account with Citibank. While he was taking a trip in XXXX, he used the credit card for all of his purchases. 

There are 3 charges on the card that were not authorized and are fraudulent. They are additional charges from places that he did have valid charges with. 

Upon receiving the statement and going line by line with XXXX, we quickly realized there were 3 so called purchases that he never made. I filed a dispute online on the the Citibank website. 

They came back quickly and said they were not removing the charges, that since XXXX had the card in his possession, these were valid charges. 

I escalated this on XX/XX/XXXX with XXXX and they reopened the file. Today ( XX/XX/XXXX ) I received an email that they have investigated and that these are legitimate charges because they were made with the chip in the card while XXXX was still in that country. 

Again, there is no doubt in my mind that when the card was used in a store, they used the same card/chip to create fraudulent charges. I'm told this is not an unusual event, especially to happen to an American tourist who clearly does not speak the language. 

It doesn't happen often but I have had had fraud happen on my credit cards from time to time, even when the card is in my possession. I have never had such a difficult time as I am having with Citibank to do the right thing. 

There are 3 charges that are fraudulent on my XX/XX/XXXX statement XX/XX/XXXX XXXX XXXX for {$3100.00} ( there were 2 other charges at this establishment that are legitamate. 
XX/XX/XXXX XXXXXXXX XXXX for {$2300.00} XX/XX/XXXX XXXX XXXX for {$2100.00}
Product: Debt collection

This debt was satisfied ( paid ) in XX/XX/XXXX, in full. Yet, the debt collector, Asset Acceptance LLC, keeps reporting it to the XXXX credit bureau that it was satisfied XXXX paid ) XX/XX/XXXX 

This is simply not true. XXXX refuses to contact Asset Acceptanceto get the date correct, and Asset Acceptance refuses to contactXXXX to make sure the correct date of satisfaction is listed asXX/XX/XXXX on my XXXX credit report.
Product: Mortgage

Caliber Home Loans continues to be in defiance of the XXXX XXXX which was passed by XXXX to crack down on mortgage servicers like Caliber. This act gave CFPB the authority to implement the new requirements and adopt new rules to protect consumers by providing borrowers with better information about their mortgage loans and protecting borrowers from wrongful actions by mortgage servicers. On XXXX XXXX, XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued mortgage servicing rules designed to protect borrowers when it comes to mortgage loans. The mortgage rules were finalized on XXXX XXXX, XXXX. The rules require mortgage servicers to : Send Periodic Billing Statements The mortgage servicer must provide a written monthly mortgage statement to the borrower. The statement must show : the amount currently due ( including how much will be applied to principal, interest, and escrow ) the total of all payments received since the last statement how prior payments were applied transaction activity partial payment information fees or other charges to the account account information ( such as the outstanding balance and interest rate ) contact information for the servicer and housing counselors, and information regarding delinquencies The specifics from the rule are : Periodic billing statements XXXX XXXX TILA XXXX XXXX XXXX XXXX. 
Creditors, assignees, and servicers must provide a periodic statement for each billing cycle containing, among other things, information on payments currently due and previously made, fees imposed, transaction activity, application of past payments, contact information for the servicer and housing counselors, and, where applicable, information regarding delinquencies. These statements must meet the timing, form, and content requirements provided in the rule. ( see attached ) Caliber Home Loans assumed servicing of our home mortgage from XXXX on XXXX XXXX, XXXX. For XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX we did not receive monthly statements with Caliber. Prior to XXXX XXXX, XXXX XXXX did provide monthly statements. The first monthly statement we received from Caliber was dated XXXX XXXX, XXXX. We have repeatedly requested that Caliber send us the statements for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. In response to a previous complaint, they responded on XXXX XXXX, XXXX : " We are still investigating why you did not receive the statements in XXXX and XXXX XXXX and XXXX XXXX. '' To date we have not received the statements for XXXX XXXX, XXXX XXXX, XXXX XXXX AND XXXX XXXX. Please see page XXXX of the attached letter for confirmation of Caliber 's statement. 

We need these statements because XXXX has recently confirmed that they did not post our XXXX payments to our account. Subsequently this caused a cascade of problems with Caliber. Caliber has been unwilling to address these missing statements or provide relief for the mistakes made in XXXX XXXX. We need the statements so that we can confirm whether or not Caliber applied the XXXX payments to our account. They have corrected problems in our account that occurred in XXXX and XXXX XXXX but have not addressed the XXXX XXXX, XXXX issue.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions was authorized.I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Williams & fudge XXXX - {$690.00} I am writing to formally request validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. The account in question appears on my credit report and is being reported as delinquent. However, I do not recall any outstanding balances owed to you and would like verification of its accuracy and legitimacy. As required by the FDCPA, please provide the following : 1. Documentation verifying that the alleged debt is valid and that I am responsible for it. 2. The original contract or agreement bearing my signature that indicates I agreed to the terms of the debt. 3. A detailed breakdown of the amount claimed, including any fees, interest, or other charges. 4. Proof that your company is authorized to collect this debt on behalf of the original creditor. 5. Documentation showing that the debt complies with state and federal laws, including the statute of limitations. Until I receive the requested verification, I respectfully request that no negative information related to this account be reported to the credit bureaus. If this debt has already been reported, please contact the credit reporting agencies to have the account marked as in dispute. If you are unable to provide sufficient evidence to validate the alleged debt, I ask that it be removed from my credit report entirely in compliance with the Fair Credit Reporting Act ( FCRA ). Please note that this letter serves as my good faith effort to resolve the matter. I am prepared to take further action if my rights under the FDCPA and FCRA are not respected. Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 30 days. Please respond in writing to the address provided above.
Product: Mortgage

I am in the market to purchase a new home. It has come to my attention that nearly all the lender owned properties require the buyers to get a Title XXXX Certificate and a Certificate of Compliance from the local Fire Department. This becomes another expense for me before the closing. It was my understanding that the seller was required to get these things. Is their a law that requires the seller to do these tasks?
Product: Debt collection

I have got multiple threats and calls from a place called RR Solutions based on in California from a number XXXX. They have called my place of business and told my job they are trying to serve me papers because of debt that I owe from a college back in 2016 for the amount of XXXX. I have called that school and they don't know what I am talking about. I have also called my student loan company and they have told me they haven't sold my student loans to a third party and when I tried to explain that to this company and asked for a letter of proof they were verbally abusive and told me they are going to take my car and I'm going to owe them thousands of dollars for XXXX years. The person said her name was XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX well not respond to my mail, calls or disputes I sent a 609 credit letter and XXXX XXXX still has failed to respond or give me anything
Product: Credit reporting or other personal consumer reports

I initiated a dispute with XXXX which was resolved on XX/XX/XXXX under report number XXXX, in order to resolve a problem of homonymy and clarification of data, adding to it the relevant documents to my identity. 
However, when I look at my results, I realize that XXXX continues to confirm that I XXXX XXXX XXXX and my father XXXX XXXX XXXX, are the same person, something with which I am dissatisfied and I come at this moment to complain. 

I express, that I recognize as my data, the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Queries : Clarify. 
ID number : XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I was given an AMEX egift card for {$200.00} as a XXXX bonus from my employer. I have not been able to use this card anywhere except one website. It does not work at XXXX, XXXX XXXX, and several smaller retailer. There is still {$99.00} on it.
Product: Money transfer, virtual currency, or money service

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.wasent it block inc that is getting sued not really cashapp its the parent company of cashapp Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian on XX/XX/2021 disputing inaccurate accounts on my credit report and they continue to verify these accounts when they are inaccurate leading me to believe that they did not conduct a proper investigation into my dispute. They are continuing to report inaccurate accounts even after my dispute. I have sent them several letters regarding these inaccurate accounts and not only did they violate the FCRA by not conducting a proper investigation, but they also violated the FCRA by not provide their method of verification. I read on the FTC website that furnishers and credit bureaus have to report information 100 % accurately. If that is the case, why is it so difficult to get inaccurate information corrected or deleted from my credit report if I followed all the steps given by the FTC and CFPB? I would like them held accountable for their lack of investigation and continuing to report inaccurate accounts after multiple attempts to get them to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Experian is reporting inaccurate and incomplete credit information in my credit report., I am distressed that after several attempts to have this information properly justified, Experian continue to include the information below in my credit profile. Experian has failed to maintain reasonable operation procedures to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information did not meet these standards. 

US BKPT CT MS XXXX, ID # XXXX, Amount- {$000.00}, Date Filed-XXXX, Status- Chapter XXXX Bankruptcy Discharged Therefore. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. The item above I have disputed and none of the data furnishers have provided me any scope of the " so-called '' investigations as required by 1681s-2 ( b ) and it has already passed the legal time from of 30 days to do so. 

As documented on XX/XX/2020, the court stated on the phone to me that they do not disclose such information to credit agencies such as XXXX, XXXX, and Experian., and referred me to their website policy indicating the same in writing ( a copy attached to this dispute ). And due to the court admitting that they did not disclose this information to any credit agency, the credit agency in questioned has failed to provide proof that this account belongs to me, and I demand that this information be removed. 

Please delete this misleading information and supply a corrected credit report to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.