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

My name is XXXX XXXX and I am writing to complain about NetSpend unfair treatment. 


XXXX XX/XX/2022 my NetSpend card was stolen and someone used my card and took over {$6.00} from my NetSpend. 

On that same XX/XX/2022, a debit of {$1.00} was done on my card which wasn't by me On the same XX/XX/2022, another debit of {$800.00} was charged to my card which I didn't approve. 

On XX/XX/2022, a debit of XXXX was charged to my debit card without my consent. 

On XX/XX/2022, a debit of {$28.00} was charged to my card without my authorization On XX/XX/2022, a debit of {$1.00} was charged to my debit card without my consent All these making a total of {$830.00} unauthorized debit from my debit card. 

I have complained to NetSpend about this and they filed a dispute, but they have not given me provisional credit. 

One XXXX XXXX who said she works with office of president reached out to me and told me they are still investigating. 

Up till now there is no update and my funds have not been given to me and NetSpend has ruled the case in favor of the thief who stole my card
Product: Checking or savings account

My account or card ( I've received mixed information ) has been placed on hold and my account has been under review since XX/XX/year> ( 2 days ago ). 

I was attempting to move funds to my external investment accounts when I began receiving declined transactions. 

I have been on the phone with them twice - today and yesterday - and even spoke to their review department, which I was originally told was not possible. I have given them all verification needed, and have informed them that the transactions are not fraudulent. 
They have refused to give me any information regarding the hold, or an eta for its release. It has now been 2 full days. I have bills to pay, automatic payments that will accrue late fees, and investments to purchase which are fluctuating by the day. And every day they withhold MY money, they are costing me!

>>> They do NOT own my account. I do. They manage it. And they are refusing to inform me or allow access to MY funds, without any valid reason. <<< I have already submitted a complaint to them directly, am listing this complaint, and after 11 years of banking with them, I will be closing both my business and personal accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are showing on one or more of my credit reports and need to be removed due to fraud. I already have the fraud alert on my file, I just want them removed. Please make that happen. I have attached a police report listing all derogatory files and my proof of identity. 

Someone obtained m y social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Both accounts ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX for {$120.00} XXXX   XXXX  for {$730.00} Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.
Product: Debt collection

Ghidotti and Berger with aid of " court '' omitted, falsified and suppressed evidence of identity theft to falsify documents against property for gain and benefit of unlawful and contemptuous seizure in direct contempt of CFPB civil penalty relief. 

Racketeering and conspiracy under XXXX racketeering includes ignoring related cases and orders or sanctions and injunctive relief to victims of XXXX XXXX  fictitious loans. 

GHIDOTTI AND BERGER " amended '' court hearing for " victim '' of identity theft XXXX XXXX to " appear '' under false pretenses. 

Ghidotti and Berger never offered any " agreement '' to victim of identity theft and did not offer any civil penalty relief or honor in direct contempt of civil penalty orders XX/XX/2022 At no time did CFPB order XXXXXXXX XXXX to " offer '' " civil remedy '' agreements and only civil penalty RELIEF. 

I reported this to all authorities and all bar associations in all states plus Florida state judicial qualifications because this is pattern with same XXXX XXXX and subsidiaries for over a decade giving out fictitious loans under identity theft and without any appraisals for substance dependent " borrowers '' that use properties they do not won for loans, and to rinse and wash embezzlement financial crimes with racketeering rings. 

Attached is the highly redacted report of " court minutes '' showing the conspiracy to act in contempt of all prescribed injunctions of the court and to protect " borrower '' that has repeatedly opened fictitious loans under fraud, deception and conspiracy to assume the benefit of loans under embezzlement, property fraud and public corruption without any knowledge of owner or any appraisals under property equity schemes. 

The courts, government employees, lawyers and judges have aided under obstruction of discovery and due process of prosecution, in omissions of financial identity property theft fictitious loans schemes. 

Our tax collector and evidence, and investigations of an abundance of developers, loan processors, government employees, contractors, implicated individuals have been sentenced/cooperating with investigations and pending federal cases of bribery and uses of pills for bribery and the racketeering in XXXX XXXX XXXX
Product: Checking or savings account

I am submitting this complaint regarding undisclosed and excessive fees charged to my 5/3 Essential Checking account ( XXXX ). Over the past several months, I have been charged repeated fees that I was not made aware of when I opened the account. These fees include monthly service charges and dormant account fees that significantly reduced my account balance. 

Here is a breakdown of the fees : Dormant Account Fee : {$5.00} ( charged multiple times ) Monthly Service Charge : {$11.00} ( charged multiple times ) Total service charges for the period : approximately {$94.00} Although some of these charges were reversed, such as a {$4.00} and {$11.00} service charge, the reversal amounts do not fully cover the fees deducted. Additionally, the reason for these fees, particularly the dormant account fee, was not clearly communicated to me, nor was I informed of the steps I needed to take to avoid them. 

I took no actions that should have warranted these charges, and I was not properly notified of the risk of incurring such fees. These deductions have caused undue frustration and financial hardship.

I am requesting : 1. A detailed explanation of why these charges were applied to my account.

2. A full refund of all fees, as I believe they were not adequately disclosed or justified.

3. Clear communication about how to avoid similar fees in the future.
Product: Mortgage

We refinanced our mortgage in XX/XX/2022. Final payoff for the original loan was XX/XX/2022 with an escrow balance with the original mortgage company ( BB & T ) of {$3400.00}. Payment of escrow balance has not been received to date. Multiple conversations with financial institution with different excuses ( incorrect address, time required to reissue check... ) and no resolution yet. I thought the financial institution is required to return the escrow balance within 20 days of payoff?
Product: Credit reporting

I disputed the following account on my credit report ; I sent Experian letters which I received from the creditors which shows that the account are being reported in correctly. The letter also states that the accounts should be deleted, and or updated to reflect no late payments and etc. I have disputed this with Experian who fail to perform a proper investigation into the matter. They also have failed to removed the accounts from my reports, even after the creditors have requested it all be deleted or updated to reflect no late payments or past due. Please help me. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was purchasing a car online from a reputable website XXXX The seller mentioned i could transfer half of the funds to him to secure deposit and for me to pick up once completed. 

He mentioned to use XXXX for the money transfer and at first I was worried about it but then realized it was a bank to bank transfer so i figured it was ok since the bank would have his info on file. 

I sent {$2500.00} to pay for car and then never heard back from the seller until he did say he received money. This was on XX/XX/2019. 

I tried calling Bank of America to cancel or hold funds and they said they couldnt because it had already went through to his bank. I thought since it was bank to bank transfer from BofA to XXXX XXXX that they could manage and guarantee fairness and legitimacy of it users like XXXX,
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to make a payment to American Express for the full statement balance. I accidentally made this payment out of the wrong account. My bill was due on XX/XX/XXXX, so this was an early payment. When my bank account received this request, they declined it because I didn't have enough money in that account. This is expected since I was really trying to make a payment out of a different account. Shortly thereafter, I received a notice the payment was not successful and the message indicated that I needed to correct this issue. Therefore, I made the payment out of the RIGHT account before the due date. It cleared. Even after the money cleared and I have a XXXX statement balance, American Express has attempted to withdraw the funds 2 more times. This has resulted in my bank taking the money away again and again. I have basically been overdrawn since XX/XX/XXXX because once the funds go back into my account and XXXX gives me the money back, American Express makes an attempt to take it away again. 
I have called American Express two times about this issue. Each time they say, it doesn't matter that the card is paid off in full, once I make an ACH request, they will continue trying to withdraw the money THREE TIMES. I said, " Please stop. You are not authorized. Why did you send me an email telling me to fix the issue if I did fix the issue and you continue trying to withdraw an account that results in an overdraft. '' They won't stop. XXXX told me this is false, that American Express can contact their bank operations and tell them to release the hold which will result in a stop on these continued attempts to withdraw, but American Express will not do it. I provided them the number, told them the process, and they did not comply. 
American Express is attempting to get over XXXX in payments from me even though I already paid XXXX and the account statement is now XXXX. The result of all this is I am missing XXXX in funds, other places have attempted to withdraw this account and denied because I do not have funds due to American Express, and I have been charged multiple late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit reporting agencies letters last XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

XXXX and XXXX XXXX paycheck has not been deposited to us. We get paid on Thursdays not payment today is Friday no check this is not only happening to me but thousands of people. Capital One not being up front with XXXX is hanging up on us. Please help us just don't push us to the side please my rent is due please I'm begging you to help.
Product: Debt collection

I have two outstanding medical bill with this company because they failed to submit the claims to insurance which I provided in the hospital, now due to timely filing they are refusing to submit the claims and saying its my responsibility when in fact I don't handle billing nor sending claims to insurance.
Product: Credit card

I have a interest free card with Wells Fargo bank. To avoid interest being charged I was required to pay in full within a 12 month period. I made 2 payments to wells Fargo via bank to bank online banking both payments were to total balance due. One payment was in the amount of XXXX check XXXX on XX/XX/2023. Check XXXX for XXXX on XX/XX/2023 full paid the credit used within the 12 month period. I secured from XXXXXXXX XXXX the tracking Numbers for each check, I also have copies of checks submitted to and cashed by Wells Fargo, This information was given to Wells Fargo several times. An employee in a phone call on XX/XX/2023 located the missing payment, stated could correct in 30 days. That didn't happen. Wells Fargo has reported my account delinquent causing my credit score to drop XXXX points. They have charged me interest and late fees which are not due. All I ask is they find my payment, correct my account to the balance due, fix the damage done to my credit. They have sent letters requesting more time to find payment. No updates provided to me, you should have not damaged my credit until you resolve the issue of misapplied payment.
Product: Credit card or prepaid card

Re : Lowes Credit card XXXX ( Synchrony Bank ) Since XX/XX/XXXX, payments every month since then, including additional payments per month, have not been allocated as directed to the NON-promotional balances first, as in verbal instruction and online preferences. Credit is applied even to promotional balances not due for over 6 months. I make additional payments in order to not pay interest on regular balances, as interest would negate the card 5 % promotional savings. I have spoken each time to a rep to ensure credit is allocated correctly, incl. XXXX XX/XX/XXXX, XXXX & her supervisor, XX/XX/XXXX, and most recently XXXX XXXX, as well as others, but statements every month have to be re-adjusted to correctly allocate. This makes it very difficult to pre-plan expenditures and pay without interest. 
From Lowes site : " Any payment you make ( including the required minimum payment due and any additional amounts ) will be applied to the non-promotional balance before the deferred interest promotional balance. Please note, even with this setting, during a billing period in which a deferred interest promotion expires, if your payment is enough to pay off the expiring promotion, your payment will be applied to the expiring promotion first before the non-promotional and other balances on your account. '' Not adhering to this procedure on a routine basis, is unfair and dishonest in practice.
Product: Credit card or prepaid card

I hired XXXX to create a website for me, host it for one year and provide email service for my company. The website to be created was discussed with very specific specifications. I paid them {$3500.00} to do this work. When the website they provided was not what I ordered I contacted XXXX to correct the problem. XXXX told me that it would require additional work to make the corrections needed and would cost an additional {$750.00} - explaining that the website that I originally ordered was more complicated that what they originally thought and would required custom work. I paid this additional amount. The website they provided the second time was still not what I ordered and it was delayed beyond the time they committed to providing the website. I therefore cancelled my ordered with XXXX. I never received the website I ordered, the web hosting or the email hosting I paid for. I asked XXXX to refund me the money and they refused to do this so I went to capitalone cc fraud department asking them to issue a charge back for the products I never received and paid for. Both charges had been put on this capitalone credit card. They told me they would take care of it. I went through multiple letters back and forth with capitalone, each time explaining the exact same thing that had happened. I provided them with what the specific discrepancies were between the website I ordered and what I received. I sent capital one a second opinion letter from another web developer, and a letter from the company that ended up doing my website as requested by them. When they asked for the same information again and again I contacted one of their customer service representatives, spent an hour on the phone with him and asked him to walk me through exactly what capital one needed to finish the process that had not already been provided. I wanted clarification on what needed to be submitted that already had not been submitted. They asked for a letter on company letter head from the company that did my website. I provided this. Capitalone 's customer service representative gave me exactly what was needed to " finish the process '' and the date the information needed to be submitted by. When I provided this exact information to Capitalone by the date needed they denied the chargeback saying that the instructions he gave me were wrong and that the deadline he provided for submitting the info had passed. I asked for them to review my call with him to document that i did exactly what was asked- I knew all calls were recorded and I wanted to prove that I did exactly what was requested. After weeks of my calling back to follow up they said they could not find the call and denied my charge back. I have spent hundreds of hours on this now. I am a small business that can not afford to lose this money or write this off. It is clearly a case of products purchased and paid for and not delivered by XXXX and should have been straight forward for the fraud department at capitalone to handle.
Product: Credit card or prepaid card

On XX/XX/2022, I incurred XXXX charges for {$490.00} from XXXX XXXX. On XX/XX/2022, I disputed the XXXX charges and BOA initiated a provisional credit. On XX/XX/2022, the vendor ( XXXX XXXX ) initiated a credit. On XX/XX/2022, BOA reversed their provisional credit. Everything was then perfectly cleared. On XX/XX/2022, BOA XXXX XXXX XXXX charged my card again for {$480.00} X XXXX without provocation or discussion. Attempted to contact BOA. XXXX XXXX will not respond. In fact, they are rarely open and take a very long time to respond to callers. Representatives transfer you around when they dont want to deal with you.
Product: Debt collection

After reviewing my credit report, I came to realize that a debt was being reported twice by XXXX different companies, XXXX and Mainstreet Acquisitions. Original creditor is XXXX and that account 's date of first delinquency is XX/XX/XXXX. Mainstreet is not accurately reporting the date of first delinquency on my credit report and has the date opened as XX/XX/XXXX but is showing the collection as being reported XX/XX/XXXX. 

In conjunction with that, Mainstreet is reporting that my terms with them is " Terms : XXXX months '' on a paid, closed account despite me not having any signed contractual repayment terms with this company. This violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as " Terms : 1 Month '' on my credit reports. 

On my XXXX report, this collection is being reported as open. With respect to the " Type Of Account : Open Account '' notation on my XXXX report : I do not have any known type of agreement or contract in writing or otherwise with Mainstreet Acquisitions that creates or procures any type of " Open Account ''. A revolving line of credit is known as an " Open-ended account where there is a possibility on continuing transactions '', and being that this is a collection account, there can be no " open-ended '' account terms. Mainstreet Acquisitions violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency " Type Of Account : Open Account '' on my XXXX credit report. 

Mainstreet Acquisitions violates FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account as " Type Of Account : Open Account '' on my XXXX credit report. 

I sent a letter to Mainstreet Acquisitions on XX/XX/XXXX requesting that the paid collection be removed from my credit reports with XXXX, XXXX, and XXXX, but have never received a reply despite including my address, phone number, and email address. 
Also, I recently changed my name to XXXX XXXX after getting married but my credit reports with the incorrect information will show XXXX XXXX.
Product: Mortgage

Adverse action denying credit my credit score is XXXX You need to take this off my credit completely this is negative information I sustained my good credit over the years by paying my bills not by creditors writing bogus stuff
Product: Checking or savings account

so i overdrfted my citizens bank of {$45.00} too my XXXX  ..few hours later i refunded the money to the bank... the bank account got closed for fradulent activity band i havent been able to open another bank ever since..whenever i try to open i get the message saying : due to the consumer report information provided your account cant be opened..so ireally dont know what to don..im just hoping you guys can resolve this
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is violating my rights under the No Surprise Act of XXXX. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the conditions of the FCRA I am allowed a fair and accurate credit report. Please see details below : Nationwide Recovery SY XXXX XXXX in the amount of {$270.00}