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

I went into my local branch to close my checking and savings account listed above. I was charged {$50.00} to close my savings account and hereby demand a refund. 

I closed my savings account today, Friday, XX/XX/ after First Bank repeatedly breached our depositor agreement. 

First Bank failed to operate functional ATMs in XXXX XXXX XXXX on at least 5 occasions in the last two months. When First Bank does not have a functional ATM to withdraw cash, it leaves me unable to access cash, in violation of our depositor agreement. 

First Bank fails to keep offices open during posted hours, fails to answer phone calls or even offer a local number or transfer to a branch, and fails to provide explanation as to why the XXXX, XXXX branch is regularly and inexplicably closed during regular business hours ( most recently on XXXX XX/XX/XXXX XXXX  when I attempted to conduct banking business ). 

My active debit card does not work at Point of Sale. This is a constant problem, resulting in not being unable to utilize the cash in my accounts. I can not run it as a credit, I can not run it as a debit and enter my pin, it does not work. First Bank denies this occurs, and has made zero effort to fix it. My husbands card works occasionally, but also declines regularly for reasons not due to lack of funds. 

When my debit card does not work at POS, I have to use an external account to access cash outside of First Bank. When this occurs, I attempt to transfer funds from my First Bank account into my other accounts. When I have attempted to do this, I discovered that First Bank advertisements for easy transfers is misleading and false. 

I can not make a transfer by telephone, and I can not make a transfer by mobile app. I was told by two customer service agents by phone on XX/XX/ that the ONLY way to make a transfer is to use a computer and Internet. I do not have access to reliable internet and do not always have access to a computer. NOR DO MANY XXXXXXXX XXXX 

I was told First Bank had phone banking and mobile banking, ATMs and branches, but this does not permit a reasonable account holder to access their deposits because they are broken, closed, and non-functional. First Bank advertises by large oversized posters that they offer easy transfers. This is false. The agent I closed the account with on XXXX XXXX also claimed I could transfer by App, which is false. They are actively misleading customers. 

When I have used the toll-free telephone system I have been hung up on, treated rudely, and denied the opportunity to make a complaint by phone prior to closing my account. First I was hung up on, and when I called again I was put on hold until the system disconnected me. 

Despite your repeated breaches of our depositor agreement, you charged me {$50.00} to close my account because my account isn't a year old. I do not owe First Bank a penalty because they have failed to honor their depositor agreement. I hereby demand a refund of this fee.
Product: Student loan

I was lied to by a school recruiter named  XXXX   (   XXXX   XXXX   ) w hen I had inquired about going to college for an  XXXX  of  XXXX   XXXX  degree. He stated the amount of student loans I would need would be no more tha n 15K  when I was completely done and graduated. This amount was not even close to the amount it was (  XXXX  ) after completion. I would never have went back to college if I had known the truth about the costs, but I was lied to. I worked very hard at school and graduated with a high GPA. I graduated in  XXXX  with my degree and was super excited to get into the work force with a new career after having been a single mom for years and then a   XXXX   XXXX   XXXX   XXXX  . This degree offered me everything I always wanted for myself, for financial freedom, it meant the world to me. I spent 3 years looking for a job related to the degree I worked so hard for and I still look, there are no jobs for me to use this degree. I feel duped, lied to and used to make profit for the government. I was pressured to go to school " To make your children proud of their mom '' was what the recruiter  XXXX  said to me on the phone. Now I am in a situation in which I am in a pay according to my income, which is at the poverty line, it hurts my credit and the interest has it u p over 50 K  now. I have been frauded and knowing what I know now, there is no way I would have went to school. If you can not help me with this, please send to whatever department that can help me expunge this debt as it was under fraudulent means!
Product: Credit card or prepaid card

I had put in a dispute claim because I was XXXX  and had wrote netspend for the XXXX in S.C. telling them it's not me spend my money. They sent me out an letter so that got me permission to call them and order a new card to the jail. When I got out put in the dispute claim and they gone tell me they don't see an error. Money being spent XXXX XXXX and all over XXXX and I'm XXXX  the whole time.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I signed up for the Albert financial app. On XX/XX/XXXX, they emailed me a direct deposit authorization form which : 1. Contained my unauthorized signature.

2. Was pre-filled with a bank account number they created in my name.

3. Only required my employer 's information to be completed.

4. Was sent to my email address, which if compromised, could enable someone to : - Access the pre-signed form - Identify my employer from my banking data ( which XXXX has access to ) - Submit the form to redirect my entire paycheck - Use my forged signature to make it appear authentic. 

This practice creates serious security vulnerabilities. While I didn't submit the form, sending pre-signed financial documents via email with account numbers and unauthorized signatures creates unnecessary risks of financial fraud and identity theft. 

Timeline of attempting to resolve this : XX/XX/XXXX at XXXX XXXX  : I emailed Albert expressing concerns about their unauthorized use of my signature, specifically requesting : 1. Confirmation the pre-signed form wouldn't be used.

2. Explanation for using my signature without authorization.

3. Assurance unauthorized forms would be destroyed.

4. Confirmation this practice would cease. 

XX/XX/XXXX at XXXX XXXX  : Albert misunderstood the complaint, asking about unauthorized transactions instead of addressing the signature issue. 

XX/XX/XXXX : I sent a clarifying email reiterating my concern was about unauthorized signature use, not unauthorized transactions. 

XX/XX/XXXX : Albert acknowledged receipt and escalated my concern. 

XX/XX/XXXX : Albert responded defending the practice, stating it was " pre-filled to make it easier '' for me. They failed to address : - Their legal authority to use my signature- Whether they would cease this practice - The destruction of unauthorized forms - The legal implications of creating documents with unauthorized signatures. 

I am concerned this practice : 1. Constitutes unauthorized use of signatures on financial documents.

2. Creates security vulnerabilities by emailing pre-signed financial documents.

3. Provides all elements needed for paycheck theft except employer information, which could be obtained from banking data.

4. Sets a dangerous precedent for fintech companies forging customer signatures.

5. Potentially violates state and federal laws regarding signature forgery and financial security practices.

6. Places consumers at risk if their email accounts are compromised. 

I have retained copies of all communications and the pre-signed form.
Product: Credit reporting or other personal consumer reports

hard inquiries that I didn't realized : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

There is a charge for {$2500.00} on my credit report with a date of XX/XX/year>. I spoke with the company which is listed as Plaza Services LLC and asked them to verify the debt, nothing ever was verified with me.
Product: Credit reporting or other personal consumer reports

Banks took money for credit monitoring services for years. USAA and XXXX XXXX
Product: Vehicle loan or lease

I received a loan maturity letter in the mail for my auto loan through First National Bank. This letter was received 5-10 days before the last payment was due. There is a line labeled Other fees for {$900.00}. I called to ask what the fee was. They tell me they didnt have proof for an entire year of my car insurance. I tell them thats not correct Ive had insurance all along. They called my insurance company XXXX XXXX to confirm I had insurance, which they did confirm it. This was on a Wednesday. I called back Monday like they told me too. I was told they had not received proof. That same day I was auto charged the amount of my final payment plus the {$900.00} fee. I called First National Bank back. They told me a refund was being processed and I would get it in two weeks. No one could tell me why they couldnt charge it back to my card or even how I was supposed to get the refund. After being transferred back and form to departments that couldnt help me for over an hour, I talked to a supervisor who wasnt sure its possible to charge my card back the refund.
Product: Mortgage

Loan officer misleading statements. Confusing to clients. Cost client XXXXMade her go get docs to get approval.Underwriting discrepancies. A lot of red tape. Loan officer pulled clients credit more than enough and now her score is lower and she cant get anything to rent thanks to the this company. 
We also have transcripts of the misleading statements and prepared to go to media so that this process wont happen to another first time homebuyers. This is the last statement the loan officer said to clients and I quoted from his message The loan is being underwritten and if she denies the loan he will have someone ready to review and approve it. 
I have everything in email and messages so Im prepared to go public about this process. 
XXXX is illegal
Product: Bank account or service

I was contacted by Chase regarding suspicious charges on my checking account. After verifying that the charges were fraudulent, Chase automatically cancelled my debit card. The associate told me that, due to recent policy changes, I could not obtain a new debit card at a branch because I opened the account ( 3 yrs ago ) with my home state driver 's license but I have since obtained a driver 's license in my current state of residence. Per their new policy, the ID # has to match the ID used to open the account and I could not have submitted my new ID for record even if I wanted to. Even though the address on my new license matches the address that has been on file at Chase for 1.5 yrs., it was not enough to prove my identity. The associate told me that it would take 3-5 business days to receive my new card and did not offer to rush ship the card or make any accommodations. It has since been more than a week and I do not have a debit card. I have spoken to XXXX different Chase representatives ( XXXX at call centers, XXXX at branches ) who have all told me different things resulting in an enormous waste of time and unnecessary time spent at the branch. They cancelled the original card and have NOW requested a rushed card but, in the meantime, I am unable to pay many bills that only accept cards and not checking account information. I may lose promotional rates at gyms, entertainment services, and utilities. Other than this financial risk, I think this is problematic for other reasons. First, Chase told me that there is no way to proactively update my identification materials after an account is open, even though moving and obtaining new IDs is very common. I ca n't put this ID on file to help prevent this hassle in the future. Second, they did nothing to proactively problem solve around this until it had already been a week without a card ( they finally offered to rush the card ). Finally, it is clear that the balance between access and security is very much skewed since I ca n't access a new card regardless of the identification I provide. Obviously it would keep everyone 's assets safest if NOBODY can access the funds but that would totally defeat the purpose of a checking account. This policy COMPLETELY disadvantages the consumer and only recognizes the needs of the financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed XXXX XXXX bankruptcy on XXXX/XXXX/2022. We notified TransUnion of 6 accounts currently showing open that should be reporting as closed, XXXX balance and included in the chapter. After multiple dispute submissions they have not corrected the report. We would like the Consumer Financial Protection Bureau to investigate TransUnion.
Product: Debt collection

After speaking with XXXX XXXX today ( XX/XX/XXXX ), I was informed, and assured that ; JPMCB-CARD SERVICES has no intentions on : obeying, applying, agreeing upon, respecting, incorporating, accepting, implementing, recognizing, and they definitely has no intentions of executing, the Laws of the Land that's designed, and to protect the consumers, from such Creditors/Debt Collectors like JPMCB-CARD SERVICES! Instead they're literally trying to : con, bully, frightened, pressure, harassed, intimidate, swindle, and definitely trying their hardest to, demand that I pay ; a past debt that has been deemed/declared Judgment Proof, legally uncollectable, unenforceable and now considered an old debt ( due to the statue of limitations/time barred debt, which is four years in Texas )! Something is very wrong with that scenario there! They knew this was : a lost cause, and attempt every since, XXXXXXXX XXXX XXXXXXXX! My previous legal representatives ( XXXX : from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) had informed them of this, and sent them a cease, and desist letter! How can that same debt ; be all of the, above listed things, and they also be free, to insist/demand that, I pay a past debt, with all that excessive baggage, and legalities surrounding it??? Out of all the past debts/accts, that XXXX had attempted to address, and handle on my behalf! Just two surrender, and let the law be the law : by recommending that, all three Credit Reporting Agencies, remove that negative, inaccurate, harmful, deceptive submission, and illegal reporting from off my credit report! That was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX Bank ) ! About three or so months ago, the same thing happened, in XXXX case! If they allowed, and or told XXXX to do such thing! Then why wasn't that same offered, and approval given to XXXX, and XXXX as well??? At least that would had been, from the customer perspective : the more moral, and righteous thing, they could have ever done!
Product: Checking or savings account

On XX/XX/XXXX I opened up an account with CHASE bank. On that same date I deposited two separate payroll checks into the account using their mobile app. One check in the amount of {$790.00} & another for {$390.00} On XX/XX/XXXX I received an email from CHASE informing me that my account had been locked/restricted. I called CHASE customer service & spoke to a representative that informed me that my account had been locked & that they needed to verify my deposited checks. I was put on hold & then told that they were unable to get verification. I have since called CHASE customer service multiple times in an attempt to get my checks verified. I called & spoke with representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX all to no avail. I was repeatedly told that they were not able to reach the check issuer to receive verification. I eventually learned that the number they were using to obtain verification was a fax number. They have refused to use any other number provided to them to obtain verification & claim these numbers are unable to be authenticated by " Their system '' A CHASE customer service representative even spoke to an individual in my employer 's payroll department & still refused to verify my deposited payroll checks as the number used was apparently not considered verifiable by whatever system they use. I was told today ( XX/XX/XXXX ) that my account with CHASE has been closed & that although the funds from my deposited payroll checks had cleared those funds will be withheld until CHASE can verify them. I am XXXX years old & this is my first bank account & this experience has been beyond frustrating. I just want access to the money that I have earned but CHASE is holding my money hostage until they can verify it which is a process that has already proven IMPOSSIBLE. I have spoken to multiple customer service agents, & supervisors & have even asked that my issue be escalated & nothing is being done. I am submitting this complaint in hopes that this matter can finally reach a resolution & allow me access to money that is rightfully mine.
Product: Credit card or prepaid card

Synchrony Bank, the operators of XXXX XXXX XXXX 's store credit card, have repeatedly applied payments incorrectly to promotional balances. 

I have several purchase balances that are on a 'fixed payment schedule ' meaning that they are a set amount for a set period ( {$9.00} per month for 48 months, etc. ). 

I have other balances that are deferred interest if paid in full ( 0 % for 18 months for example ). These require no pre-payment until the end of the promotional period, aside from a monthly minimum. 

Their terms state that payments in excess of the minimum payment for the fixed payment plans are applied to firstly non-promotional balances, secondly to deferred interest balances, and lastly to pay down the balances on the fixed payment promotional balances. 

For 2 consecutive months, they violated these terms by applying the excess to the fixed payment balances and reducing the payment applied to the deferred interest ones. This would result in my being unable to pay off the deferred interest until the entire balance of the card was paid off in full, likely resulting in my having to pay the deferred interest if I was unable to clear the entire balance.
Product: Credit reporting

Here is another, and the XXXX in a series of complaints that Equifax is attempting to not formally respond to. 

There is no credit repair or fixer, involved in any of my disputes, adding this as a means to dismiss this dispute becomes a willful dismissal. There is a penalty for each dispute filed, and EQ employees are creating XXXX at this point. 

Equifax 's comments '' *Equifax has reviewed the complaint and its records. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *No follow up actions are required in further response to the complaint. " Equifax has been manually updating reports making them inaccurate, these Tradelines now reflect as not being paid - and closed. This is a trending issue, and as such -- I do not agree to resolving this dispute outside of this portal. These defects in the record are the result of EQ making changes, and not the source. 

ALL of these accounts are CLOSED and PAID, and at some point stored the correct designation. They were updated and innacurate. I DO NOT agree to have these positive Tradelines, deleted because EQ manipulated the data, it must fix it. 

The following CLOSED Tradelines - have a " N/A '' Activity Designator, and should not. 

Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. XXXX XXXX is the only XXXX reporting correctly. 

Credit LimitXXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX DCShow Details XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LOST OR STOLEN CARDXXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXX BANK XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED
Product: Debt collection

I have told this company repeatedly for years to stop calling me. They have even called my mother and told her I would be prosecuted if I didnt pay. They have told me the same thing. The debt is not even valid, and they will not leave me alone. 
Most recently I was contacted via text on XX/XX/21. I asked them to have no future contact and they replied again. I also made it clear that I do not wish to be contacted by any means. They crossed the line when they called my mother a few years ago, and continued to call me after I asked them to stop, while always threatening criminal action.
Product: Credit reporting or other personal consumer reports

A total of XXXX accounts were removed from my Equifax credit report. Many of these accounts are open revolving accounts with excellent payment history. The accounts in reference are reporting just fine with the other bureaus. As you can XXXX this illegal tactic has decreased my credit score tremendously. I first noticed the accounts were removed back in XX/XX/2023 and have been calling trying to reach a resolution since then. When i contact Equifax they claim they dont know what the problem is and say theres nothing they can do to rectify this issue. Many years ago a similar situation like this happened with equifax and it turned out they had my credit file merged with someone else. I am in the process of purchasing a home and this has hindered my ability to do so at no fault of my own.
Product: Credit reporting or other personal consumer reports

Today a new account was added to my Transunion credit report by XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1400.00}. I do not know what this is for. This company has not sent a letter to my current address stating what this debt is for and the amount of the debt. To date I have not received any correspondence as to what this is about. They have not sent anything stating who this pertains to, the amount of the debt or any original contracts showing the creditor. This appeared on my credit report today without any communication as to what it is for. If I would have received something in the mail regarding this debt, I would have asked who is the original creditor, the original balance owed, statements, and original contract. This is a clear and intentional violation of the Fair Debt Collection Practices Act. To date I have not received any written communication regarding this debt, nor have. A debt collector must provide written notice that details the following : 1. The amount they think I owe 2. the name of the creditor 3. How to dispute the debt in writing To date I have not received anything along these guidelines, or I would have promptly responded disputing the debt.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.