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

I had two checking accounts with Fifth Third Bank which were overdrawn due to fees imposed on the accounts and then additional fees due to the accounts being overdrafted by the original fees. I never opted-in to any type of overdraft protection program for this very reason. The Bank closed my accounts and immediately sent them to collections. This strikes me as usury and nickel and diming customers. I know owe over {$1000.00} to the collections agency due to Fifth Third 's deceptive practice.
Product: Credit card

In XXXX of 2023, BOA requested BO info on me, including copy of birth cert and SS card. I provided this info the same month. I record emails that I hadn't so I called them and the dept I spoke to said they had everything and to ignore the emails. I ignored the emails and they closed me out because I hadn't provided the info. They said to reactivate my XXXX  credit card, I'd have to reapply for a new one. This was infuriating. If I wasn't going to retain the longstanding relationship, I decided to apply for a card with a different company. 

I complained to OCC, case # XXXX as they unreasonably denied access to my card. BOA sent a standard letter saying according to the terms of credit that they had the right to close my card. It was an insensitive standard letter which didn't begin to recognize my the issues of my complaint. 

BOA is Too Big and the left hand doesn't know what the right hand is doing. I've moved on but not without an inordinate amount of time changing auto payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent me a copy of my credit file stating that my name was reporting correctly but it's not it still reporting wrong last name on my credit file under the last XXXX, my only name is XXXX XXXX not XXXX please remove all other names that doesn't belong to me I have attached documents to show who I am and what my last name is please correct the error. 

XXXX is reporting a last name on my credit file under the last name XXXX, XXXX XXXX is my only name please remove all other names that's reporting on my credit file and XXXX is reporting an address which is XXXX XXXX XXXX # XXXX XXXX NJ XXXX I have repeatedly express to them it is not my address I do not reside there, and I do not receive any mail at that address I have sent in documentation with my address were I receive mail and reside XXXX is willing fully leaving this address on my credit file after receiving documentation that I do not reside at that address.
Product: Vehicle loan or lease

I do not actually have a loan with Hyundai despite checking the box that I do. I paid for my car in full and I have the receipt. I bought the car in XX/XX/XXXX but the Hyundai dealership of XXXX XXXX in Florida I used to buy my car change to a different company that can't help with my records althought the most helpful person so far is somebody from the new owner 's financial department. I requested a title when I paid for the car but they said it's all online. I've just moved out of state and need to change my registration, because of this I tried to request my title from the DMV only to find out that they have it listed with a lien. Again, I paid for my car in full and never received a paper title from Hyundai or the DMV in Florida. I've contacted Hyundai Motor Financial and they can't find me in the system and then pushed me off to a different department and told me to email XXXX. I've spent an entire day talking to the dealership, the company, the DMV, and they all say they can't help and then brush me off to somebody else. I want Hyundai to tell the Florida DMV that the car I bought in XX/XX/XXXX for {$22000.00} does not have a lien and I want my physical title from them. I have requested HMF to notify the DMV but every time I made the request on the phone the subject was changed or the request ignored. Then finally told to email the titles department. I asked to speak with a supervisor and after a transfer ring for about a couple of minutes Hyundai hung up.
Product: Checking or savings account

Setting up an account with XXXX for shipping purposes and PNC will not allow me to link my bank account to XXXX XXXX
Product: Checking or savings account

I have an account at Bank of America. I failed to get statements since early 2021, but do not use the account often so I had it for convenience. When I logged into my online access in XXXX, XXXX  I noticed that I had fees to which I had never had any before. I tried calling the bank over 30 times and I have given up. It is impossible to get someone by telephone. The system says the wait time is hours long ( one day it was XXXX hours ). I asked for a return call and when it finally came on two occasions, the rep hung up when I picked it up. 

So today I decided I would go to a branch, and boy was that a mistake. I went to the XXXX Ma location only to find it was closed and no web site listing of the closure. I then called the XXXX MA branch which was open and drove there. When I got a customers service person ( XXXX ) to finally speak to me, she said I had to come back later as she had other appointments coming and no one could help me. She suggested I call the call center which I told her I had tried over 30 times. 

I want my fees reversed, my statement re-instated and an explanation why they could just start charging my account in XXXX XXXX XXXX without any disclosure to me whatsoever. My account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and I provided everything the ask of more than once. The only thing they did was close the accounts that they still have opened. I have provided my statement, My police report, my report from the FTC and my Identity theft affidavit. I also submitted proof of my identity twice. I feel like im being victimize all over again this has been a nightmare for me. this started in XXXX when someone use my bank information to purchase some phones in a store in Arizona while I was in XXXX and my debit card was still in my purse a week before my sons birthday. All I want is these fraudulent accounts and address off my credit report. I was turned down for jobs all kind of stuff because of this nightmare. Its not ok for them to treat people like this. I will attach the copies of the letters I sent to them along with all my reports and proof of Identity. 
also here are my tracking numbers from the letters I have sent experian : XXXX and XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX Please help me get this resolved. this is ruining my life and I requested a fraud alert and freeze because of this and XXXX asked for my Identity information again after I already sent it twice.
Product: Checking or savings account

Someone without my knowledge or consent made a deposit into my account of {$15000.00} dollars USAA determined this was fraudulent and that I was involved in it which I was not I immediately contacted USAAwhen I saw the deposit to find out where it came from they accused me without proof of behind involved in a scam and warned me any other issues with my account snd they could cancel my membership. On XX/XX/2021 after learning someone accessed or tried to access my account Usaa set my account up for credit only no debit on XX/XX/XXXX only two days later sn.individual named XXXX XXXX  tried to hsve a automatic payment paid yo his or her account to th XXXX XXXX XXXX I do not know this person nor had any connection to XXXX they Took {$400.00} from my account and charged me {$90.00} for insufficient funds fee when I had {$500.00} in the account at the time and whoever gain access into my account tried to set up o a weekly deposit from my account of. {$120000.00} a week funds I didnt even have how was this possible considering they placed my account in a credit only status deposits only is it possible thus XXXX is a USAA Employee targeting accounts that are in jeaporday of being closed? I dont know Usaa feels Im a scammer the only person to profit so far is USAAXXXX  XXXX $ XXXX.they have filed delinquent rrports with credit bureaus they should receive a fine gor this i dm a XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 at XXXX PDT, I went to the Chase Bank on XXXX XXXX XXXX , in XXXX , CA to withdraw cash from my checking account in which I had a balance of {$4000.00}.

When I arrived, there was only one ( 1 ) clerk, and at least 6 ATM machines inside of the branch. The clerk was busy waiting on another customer, so I decided to use the ATM machine inside of the branch at terminal XXXX which printed on the receipt. 

I input my debit card into the ATM machine and indicated that I wanted to withdraw {$2000.00} in a series of {$100.00} bills. 

The ATM machine informed me on the screen that it was getting ready to dispense my cash, proceeded to make several noises and sounds as if it was dispensing my cash, but the cash never came out of the machine. ( I was shocked and baffled ). 

The ATM machine, then printed out a receipt telling me that there was an error with the machine and that the transaction " could not '' not be completed to contact customer service. 

I approached the clerk, told her what had just happened. She proceeded to ask me for my debit card. 

I told her that I wanted to withdraw {$2000.00} from my checking account and she then informs me that there was not enough money in my account, and printed a receipt that showed that I only had {$1600.00} in my account. ( Again, I was shocked and baffled, because she was disregarding what I had just explained to her ). 

The clerk then told me that the {$2000.00} from the ATM had been deducted from my account balance of which I had already informed her of that. 

She then told me that I would have to wait until another clerk in private offices would be able to assist me and that there were three ( 3 ) customers ahead of me, and that their system was down.

I waited at least 40 minutes and while waiting called Chase Bank customer service to file a claim and then left the bank. 

Several days afterward and to no avail Chase informed me that they would take 10 days to investigate my claim and that my account could not be credited a temporary credit until after 10 days. 

The following week, l received a temporary credit of {$2000.00} back to my account only for it to be reversed a few days later because Chase told me that they had investigated and found no fault with their ATM machine. 

That's a XXXX XXXX XXXXXXXX! They have robbed me and longtime customer.

In addition, I had a balance of {$570.00} in my account in which Chase " did not '' let me withdraw and placed a hold on my account which has now made my account " negative '' in the amount of {$1400.00}. 

Lastly, Chase closed out my checking account, and voided my debit card.
Product: Mortgage

I had. XXXX XXXXXXXX XXXX  times and lost my job and income XXXX and XXXX in XXXX I had a XXXX XXXX XXXX XXXX which led me to apply for a hardship. Instead of receiving XXXX XXXX relief XXXX came after me and sold my loan during a hardship assistance approval and all payments made to the XXXX Illinois were not applied during my hardship when I had the original account. XXXX and Mr. Cooper located in XXXX XXXX mortgage was given notice a bankruptcy would be in effect starting XX/XX/XXXX and my first payment will be a month from this date in XX/XX/XXXX. The evidence I would like to submit for the hearing is the following. 
Payment made by money orders XX/XX/XXXX first paycheck was cashed at XXXX XXXX my last XXXX ssn XXXX mailed in. 
XX/XX/XXXX payment of XXXX was paid confirmation number XXXX This payment was intended for XXXX XXXX XXXX XXXX XXXX was made over the phone confirmation number XXXX XXXX and XX/XX/XXXX payment was combined into XXXX payment on XX/XX/XXXX XXXX/XXXX/XXXX XXXX dollars confirmation number XXXX. 
XXXX payment was made in XXXX payments, XX/XX/XXXX XXXX dollars and confirmation number XXXX XX/XX/XXXX for XXXX dollars confirmation number XXXX. The XXXX payments total XXXX. I was told when I called by a representative that my initial payment of XXXX would be enough because I have XXXX in my Miscellaneous account sitting there and can be applied if my lawyer let XXXX know since he is in charge of my bankruptcy but it was not. I also have a Holding account with funds sitting in the account in the amount of XXXX dollars and ( Holding Account ) as if XX/XX/XXXX On XX/XX/XXXX I was told that I needed to make a payment of XXXX extra for XXXX 6 months to catch up so I made a payment on XX/XX/XXXX Over the phone in the amount of XXXX confirmation number XXXX This concludes my payments Now I am facing loosing my home and they have added with my bankruptcy lawyer XXXX additional payments in 8 months to my loan ending after XXXX XXXX in the amount of XXXX plus XXXX as a single mom and I dont know how they came up with this because I paid them. 
XXXX XXXX XXXX money orders XXXX mailed in not Over the phone a picture of the receipt can be found as an additional attachment there is no confirmation number but it was recorded as received and applied to a different loan from a sister company XXXX in XXXX  and with a totally different loan number. This was my previous account before XXXX Illinois sold my mortgage to XXXX Mr. Cooper in Texas. I filed Bankruptcy XXXX XXXX repayment plan with payment going to my lawyer each month of XXXX separate from my mortgage. Please help me XXXX Sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote :
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report erroneous information on my credit report. I have tried to submit a dispute online to no avail. They claim the information i submit to confirm my identity is incorrect. This is just a scam to continue to allow fraudulent information on my credit report, which is against the law. I should be able to submit my dispute online however, they are illegally not allowing me to do so. The following accounts to do not belong to me and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Credit card

I went to Conn 's located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX to purchase a refrigerator with a credit application I applied for in XXXX. I told the sales associate XXXX I had a credit application that was approved with the ( {$9000.00} ). He said he would pull it up. He asked for my phone number and was able to pull up my address. He said he would need my driver license and asked for my SSN and how many kids I had. When I asked him why he was asking all these questions he said the computer was asking him to provide it. When he finished he told me I was approved for a store credit card for {$3000.00}. I told him I never gave him permission to apply for another card and he apologized. I left the store without purchasing anything due to the deceptive practice. I asked to speak to a manager later when I called and was told he was on vacation when I asked for the assistance manager he refused to give me his name and the store number. He told me to to call the corporate office. I took a picture of the guy who other employees told me was the assistance manager and he was covering his name on his shirt.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE /LAST REPORTING DATE/ BALANCE/ACCOUNT STATUS /PAYMENT HISTORY IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I FILED AN IDENTITY THEFT CLAIM I WILL ATTACH AS A FEDERALLY PROTECTED CONSUMER OF THE U.S.A. I ASK FOR A PROPER INVESTIGATION OF THIS FRAUD ACCOUNT AND A DELETION OF THIS ACCOUNT ASAP AS OS HOLDING ME BACK FROM HOUSING MY KIDS IN PROCESS OF GETTING A NEW HOME PLS DO AS I REQUEST THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) 15 USC 1692 15 U.S. Code 1681c-2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent multiple letters about addresses and names that are incorrect on my credit report. one on XX/XX/2022 then responded XX/XX/2022 with them leaving incorrect information on my report. The only address that should be associated with my account is XXXX XXXX XXXX XXXX, XXXX XXXX and name XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with Transunion and XXXX  Reporting information that is not validated Reporting information that has been paid in full as not paid in collections Fraudulent inquiries reported even after fraud report confirmation Reporting companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Professional Credit I have sent written letters, 3-5 over the past 6 months requesting response, sent copies of payment agreements, sent copies of money orders paid in full, sent copies of letters stating paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX accounts shown has violated my rights. 
15 use 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as a late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment showing on my credit report that doesn't below to me. XXXX   XXXX authorized User account. This is a closed account that I am not financially responsible for please remove the negative item immediately. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on XXXX and it shows 3 weird open files on me saying delinquent or I have to pay.. its on my XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Dollars when I called the number that was listed the guy gave me a account number which isnt mine XXXX I explained to agent for XXXX they checking on. 2 is XXXX/XXXX XXXX  they didnt have my information so they checking into this. And this on XXXX XXXX  XXXX cant pull any of my information up but say I owe.. none of these credits can pull any of my information up but yet they are on my credit report..
Product: Debt collection

In accordance with 15 u.s.c 1681-1684 I request that this account be removed immediately
Product: Credit reporting or other personal consumer reports

Bridgecrest XXXX XXXX has been negatively impacting my credit by reporting late and other inaccuracies. per 15 usc 1611/15 usc 60802 part b/ 15 usc 1692 f # 6
Product: Credit reporting or other personal consumer reports

Several data points from my LexisNexis CLUE report are totally inaccurate and do not correspond to me, and that has caused me financial hardship since I am not able to get auto insurance at a reasonable price. It seems that they derive from the fact that in the report they are linking me to another person or persons in California with similar names who I DO NOT know and is/are not related to me in any way. 

I place a dispute on XX/XX/XXXX with LexisNexis in requesting the information to be removed, and was just informed today XX/XX/XXXX by phone ( up to date nothing in writing ) that the dispute was processed and the erroneous information was not removed from the report since the source of data claims is accurate. I sent LexisNexis proof of my actual social security, driver licence and they still get the erroneous data as accurate. I do not know how to prove negative in this case for information that do not belong to me, after proving who I actually am and that is leaving me liable for huge premium rates for an accident of someone in other state not related to me in any ways.
Product: Consumer Loan

Professional Bureau Collections of Maryland Inc called my cell phone and left a message not identifying themselves. They then called my employer which was not information provided by me to them or information provided by me to XXXX. When they called my office, they refused to identify themselves. They called back again and still refused to identify themselves. The representative that was on the phone was a female and stated that there was no point in identifying herself. She was requested not to call back at that time. I called the number of XXXX back on my personal cell phone and a man saying that he was the manager got on the phone. I also advised him is not to call the employer and he has a good direct contact number for me that he may continue to use. I also advised him that I would be filing a complaint and he said to do what I needed to do.
Product: Credit card or prepaid card

My wife and I had an account for a Costco XXXX card through Citi that we were using as our primary credit card. We literally just received the card and ran into repeated issues when making the first payment. For whatever reason, Citi refused to accept a payment from a valid credit union account that was verified multiple times. The payment was attempting each time to pay the balance in full. Each time, despite reports from the credit union that there was no issue on their end processing payments, Citi denied the payment. Citi then closed the account after only a month due to lack of payment. Customer service refused to accept any blame for Citi but was unwilling and unable to explain why they were refusing payment in the first place, just choosing to blame everyone else instead. Ive honestly never had a bank before refuse to take valid payment and then say we closed this due to lack of payment, but I guess theres a first for everything.
Product: Payday loan, title loan, personal loan, or advance loan

Was trying to get a personal loan to help during rough times. This company directed me to a website- I did NOT engage in the advertised service which was a {$39.00} fee to credit boost. They stated that I had to engage in this program to get a credit boost so that they could give me a {$3000.00} loan. I reported this exact interaction to the FBI because they were also trying to get my log-in details for my bank account online. Despite not doing anything they told me- they managed to have my bank details from other loan applications some how. Just today they charged {$39.00} despite not ever utilizing their service.