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

I have a checking account with XXXX XXXX XXXX XXXX. Most of the transactions with this bank are done online, that 's the main reason I use it. On XX/XX/XXXX I  needed {$3700.00} from my checking account immediately, I could not wait for the regular process to take place. 

I called their customer service to see what my options were. I was informed that since the daily withdrawal limit was {$1000.00}, my best option was to go to the XXXX XXXX XXXX in XXXX XXXX here in XXXX CA. The person who helped me over the phone told me that once in the cafe, an associate from the bank could call them so they could raise the withdrawal limit while at the branch ; that way I could get my money from their ATM without any issues. 

I drove to the cafe, and XXXX XXXX an ambassador from the cafe ( he works for Capital One ), helped me. He called the bank and did what he was supposed to do, then after confirming my identity they raised the limit to withdrawal my {$3700.00}. While still on hold with the bank, and XXXX next to me at the ATM I went ahead and did the request to withdrawal my {$3700.00}. After a few minutes ( longer than usual for an ATM ), and a lot of noise, the ATM said it could n't give me the money because it did n't have enough money. 

I read the message, and XXXX read the message. I went ahead and try to get my money at the other ATM next to me, to our surprise the ATM said I did n't have enough funds, the money was withdrawn on the previous transaction, even though I did n't get any money from the previos transaction. 

The representative from the bank was still on hold and XXXX explained to her what just had happened. After several minutes she transfer the phone call to a different department, claims department I believe. I spent almost an hour on the phone with this person, and the only solution I was given was to wait up to 10 business days ( until  XX/XX/XXXX!!! ), while they conduct an investigation. 

I was really outraged, I did n't do anything wrong, I did exactly what the bank told me to do. Something that should have take less than five minutes is taking 4 days so far. I still do n't have my {$3700.00}, I reached out to Capital One via XXXX and again I got the same response, 10 business days. After some complaining on XXXX I got the time down to 3 to 5 business days. 

This is unacceptable, that money is mine. How I 'm I suppose to pay my bills, the only reason I drove to that branch was to get my money immediately. What if that money is to pay for a medical bill? Or to pay for my rent? car payment? What would happen if my account was overdrawn for 10 business days, how much would I have to pay in fees too the bank? 

Regardless of the use I give to MY money, it is the year XX/XX/XXXX not XX/XX/XXXX. Why something so simple ca n't be fix by the bank, when there is even a witness from the own bank who saw I was n't given any money.
Product: Debt collection

Midland Credit has been harassing me with numerous calls a day, even before XXXX, and after XXXX. I get DAILY letters from them in the mail, sometimes more than just one letter, of the exact same thing. This company is nothing but a scam. They call from different switchboard telephone numbers, and I just keep blocking them.
Product: Checking or savings account

One of my account is now closed do to My checking account I think believe it was over {$2000.00} being over draft for something when I had money in the account and I was get over draft fees faithfully through navy federal, also my saving account is in the negative for overdraft fees of {$87.00} of over draft fees and I never gave no one my savings account number. 
My account jointed with my son account also through navy federal I had to pay about {$500.00} or more worth of late fees just so they wont close that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I have reached out the XXXX, XXXX and Equifax about a bankruptcy reporting that do not supposed to be on there. With the bankruptcies showing it is causing me a hardship and will like monetary if its not removed immediately. Bankruptcy court stated they do not report to the credit bureaus which it needs to be removed, document is attached. Rule 9037 Privacy Protection for filing made with the court. 
I have previously disputed this item with you ( US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit agencies for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting quirements do not comply with FCRA 611 ( 15 u.s.c. 1681 and the information must be deleted immediately.
Product: Debt collection

I was contacted by a debt collection company named XXXX. It was concerning a loan, I believe she said from 2016 for around {$700.00} and the loan company is called the XXXX XXXX and the current balance is a little over {$1000.00}. I googled the XXXX XXXX and sent them an online message concerning this but have not heard back from them at this time. I believe the debt was paid years ago and this is a scam. Thank you for any assistance you can provide me on this matter.
Product: Debt collection

Everyday they call from random numbers, even though we told them to use their corp number and disclose their name. 
I tried to call them on their XXXX and XXXX number today repeatedly and it rings and hangs up. 
We can not set up a repayment plan if they will not be reasonable and work with us. 
It's very unprofessional on their part and the calls come starting at XXXX XXXX. and end around XXXX XXXX. SOmetimes three or 4 calls in a row from random local numbers spoofing their calls. We don't answer unknown callers. Period. NEver have so they need to disclose their business name and they need to answer so we can make reasonable efforts to repay.
Product: Debt collection

Company is trying to collect on a debt that had not been validated by XXXX previous companies. company stated that " You are in a wage garnish-able state. '' That in itself is an FDCPA violation. They continue to " Robo-Call '' following notification of cease and desist. they have violated numerous laws within the State and Federal levels, and potentially subject to civil liabilities under FACTA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on/around XX/XX/2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been more than 4 months and I have not received a formal written response back from XXXX  or TransUnion. I know that the credit bureaus received my requests because I did receive a response back from XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXXXXXX XXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; FXXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XX/XX/XXXX2022 ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX2022.
Product: Checking or savings account

XXXX XXXX is charging excess over draft {$35.00} fee a day. Which was not explain by the representative during enrollment to opened the accounts. Although, the representative was very kind and pleasant to get in and out. I wind up having 3 check returned such a {$19.00} dollar, {$120.00}, {$48.00}. I did placed a deposit on a few occasions. Unfair to keep charging the account each day {$35.00} and plus {$25.00} over draft per transactions. I went to have the balance waiver {$550.00} accumulated 60 days. Manager stated there nothing she could do but credits 1 fee back once I would make another deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to correct via dispute but bank does not respond correctly. They continue to report incorrect balance even though they were paid {$400.00} By another bank who confirmed they accepted payment when I refinanced months ago and even as they confirmed. They never reported the correct amount of {$400.00} to the credit bureaus and still had it posting wrong up until today when they charged it off using that incorrect amount. This effected a number of our financial transactions and lenders. Sadly they wrote it off well over a year ago as well and it went to attorney. Attempts to pay XXXX cents were rejected and went no where with the bank or the attorney. Furthermorevtwo letters defining this situation to your office ( CFPB ) have gone unaswered with no response. If this can not be resolved ASAP I WILL BE FORCED TO seek legal ACTION AGAINST ALL THE PARTIES INVOLVED. RESPECTFULLY. Ps ss last 4. ( XXXX ). Posted here because after two years you still have NOTvrepaird the software issue in that it does NOT. Accept the numeric numbers. I wonder if your even capable or just do not give a XXXX?
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just found that XXXX XXXX XXXX has posted a collection item under my account for {$2500.00}. I have never had any transaction with this company nor any other Company that may be linked to this company since I do not owe any company that amount of money. I am demanding for an immediate investigation and removal of this collection item from my account as soon as possible.
Product: Mortgage

Hi... I have lived in my home for XXXX years ... I have a mortgage with PNC and I been trying to get a loan modification because I fell behind in my monthly payments ... I have sent in the modification papers to Loss Mitigation at PNC Mortgage and I have been turned down because they say I Photo Shopped ( made up ) my Direct Deposit pay stubs and because of that they say they did not get the required paperwork ... I was turned down multiple times for the same reason ... my home goes to auction XXXX ... I hope there is something that can be done since they are totally wrong and my pay stubs are legitimate ... I have attached XXXX weeks of pay stubs... thanks... XXXX
Product: Debt collection

I have an ongoing issue with XXXX for almost 3 years now. I returned their equipment at my expense on XX/XX/XXXX and it was delivered at XXXX I was told that I would be charged {$350.00} for an early cancellation fee which was untrue as they kept changing their minds and decided to bill me whatever amount they felt like billing and whenever they wanted to. First I'm told {$350.00}, then I'm billed {$480.00} and then they tried to charge my credit card {$650.00} on XXXX-they 're not consistent. To continue, I wasn't credit for the returned equipment AND THEY ADDED {$53.00} A MONTH TO MY BILL FOR PREMIUM CHANNELS THAT I NEVER ORDERED/AUTHORIZED WHICH I WASN'T CREDITED FOR EITHER. I have so many letters, emails, many addresses for XXXX and no one ever replied. I have received calls from collection agencies. I had to start making payments as they were ignoring my requests for review account etc ... and in the end I realize that they truly want to get {$650.00} from me more or less for the following reason : As of XX/XX/XXXX I've paid XXXX {$400.00} and this month I received a letter from XXXX XXXX  showing that my balance is {$240.00}, add the XXXX that I've paid and the total is {$650.00} which is ridiculous in so many ways. I know that many folks have filed complaints against XXXX and with good reason-look what they did to me and continue ... I've asked many times via postal mail to review and reduce my bill but they never did-they don't care, they don't have problems sleeping at night nor they have a conscience so why should I allow this to continue when they owe me money? It's always the same ... Last, while I am retired I'm also XXXX and they didn't care about this one bit nor did they care about how their lies added to my daily, XXXX  XXXX.
Product: Debt collection

I received a letter from a law firm called Frank , Frank , Goldstein & Nager PC. in early XXXX regarding bills they claimed I owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent them a letter disputing the debt, because the fees had already been paid, and demanding they validate the debt and instructing them to stop contacting me. 

The firm never validated the debt. Today I received essentially the same letter as I received in XXXX, seeking to collect the same debt. 

I have repeatedly tried to contact XXXX XXXX XXXX regarding this issue over the last two years as well. They simply do not respond. I have brought it up with my treatment provider during our visits as well, and they inform me they " will take care of it '' but the issues are never addressed. I am a XXXX XXXX  and the stress of being harassed by debt collectors is taking a negative toll on my health.
Product: Credit card or prepaid card

I have an active City National Bank Visa Infinite Credit Card. As part of the agreement, I earn reward points for travel purchases. 

The bank has engaged in unauthorized/fraudulent deductions of the reward points balances : In XX/XX/XXXX XXXX reward points were deducted without my permission or knowledge In XX/XX/XXXX, XXXX reward points were again deducted without my permission or knowledge. 

I have contacted the bank and banking representative XXXX XXXX, Tel : ( XXXX ) XXXX | Cell : ( XXXX ) XXXX XXXX in regards to this issue at least 3-4 times and I have not received a resolution from the bank. I was provided with a claim by the bank that these point deductions relate to fuel/gas pump transactions. While those fuel dispensing charges are valid, no point deductions were authorized as part of the fuel transactions. 

Attachements : 1. XXXX = This shows unauthorized point redemption activity on the XXXX Statement 2. XXXX = This shows unauhtorized piont redemption activity on the XXXX Statement 3. XXXX = This is a receipt for the transaction for fuel charges that the merchant states is associated with point redemption ( this receipt or invoice does not reflect any point redemption )
Product: Money transfer, virtual currency, or money service

On XX/XX/year> the amount of {$750.00} dollars was transferred from my CashApp account to that of the person that was to do repair work on a vehicle that was previously purchased from this person. Almost immediately I informed CashApp that this was a scam this individual had perpetrated and I asked for the transaction to be stopped, cancelled before the receiving party would be able to accept the transfer. I was told by CashApp that it was against company policy to stop or cancel a pending transaction and that I had to wait for the transaction to complete and then file for a refund. When they clearly state that they can stop and cancel pending transactions before the funds are removed from the receiving account. Due to negligence on CashApps part, the transaction went into completed and I was then told that there was nothing I could do to retrieve the funds from this scam and that I can ask for a refund from the receiving account. Which I did do. The consumer, ie : me was not protected by CashApps terms of service by stopping the transaction as soon as they were alerted of the fraud situation and they let the transfer go through whilst they knowingly knew the sender, aka consumer had immediately reported the situation and had asked for the cancellation and storage of the transfer before it was even claimed. CashApp failed to protect its consumer when it had the opportunity to be proactive and handle the issue before letting it become a much bigger problem.
Product: Credit reporting or other personal consumer reports

There is fraudulent mortgage reporting on my credit report. My signature was forged to obtain a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is unathorized inqueries on my report. i have had a fraud alert on my report for 2 years and have not ran my credit at all! please remove any of these inqueries from my experian, XXXX  & XXXX  and i did not authorize and have no knowledge of this! 

XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card

When I made my payment on XX/XX/XXXX and when I called concerning the balance transfer on XX/XX/XXXX, both times I was told that I would also have XXXX XXXX on all my purchases as well until XXXX, XXXX. 

Now I am being told that the statements are not true after I have charged {$550.00} worth in purchases. 

I have requested that the XXXX XXXX XXXX XXXX XXXX review the XXXX calls. Yet no one will call me back. 

This is a continuous problem with XXXX XXXX XXXX XXXX. 
XXXX appears to tell me anything and usually the information is not valid. I am now tired of this. 

Being an excellent customer of XXXX XXXX has not been respected or honored. I know that the XXXX representatives stated to me. 

I do not know if this is deceptive trade practices to get me to pay interest or not as I have never paid interest on any accounts with XXXX during the XXXX years these accounts have been opened. 

However, I know that I am experiencing staff stating to me facts that are not true and XXXX XXXX XXXX refuses to listen to the calls. 

XXXX XXXX XXXX XXXX is actually Barclays Bank. 

I have had nothing but years and years of problems with untrained staff.
Product: Checking or savings account

I deposited a check yesterday and everything was fine till this morning. I was told the the check had already cleared and now citi has closed my account saying i violated a rule. I'm i not supposed to make deposits into the account anymore? I don't understand this this happening. I would like my check of the full amount or my account reinstated back. I don't see any reason why they should close my account
Product: Debt collection

During the XXXX school year I lived at the XXXX XXXX  XXXX  XXXX. During this time the management repeatedly would try to notify me that I had broken the lease and would need to pay additional fines. The issue was when I asked for evidence of me breaking the lease, I was only given my lease with the sections highlighted. Come XX/XX/2020 and I return home during the COVID breakout, during this time I learn my room has been cleaned out and I've been evicted, without a notice, during a nationwide freeze. 

These fines get reported to a debt collector and when I ask for evidence that these debts are legal and not just my landlord going crazy with a highlighter all I got again was my lease with a highlighter on the sections. Nothing with any legal weight. I then reply to them saying I hadn't broken the lease and get back no reply. I send XXXX more letters asking for a reply. I get no reply. During this time, I filed a dispute with XXXX. XXXX just checked that's my name is accurate. not if the actual debt is accurate. which is useless. This landlord literally just made up me breaking a lease. No evidence??? An eviction during XX/XX/2020??? I will keep fighting this blatant illegal operation.
Product: Mortgage

XXXX bank have my XXXX  and the amount I paid on monthly basis was XXXX. There was a credit on my account for {$1500.00}. Total loan amount was {$94000.00} and XX/XX/XXXX, when I refinanced the loan my refi bank paid XXXX {$95000.00} Including all the closing cost that was required. To date XX/XX/XXXX XXXX has not sent a final statement All I received is a check of {$160.00} with out any explanation of how my credit was applied towards the account. I have spoken with bank customer services and no one is giving me a straight answer. 

XXXX : XXXX XXXX Loan Started in XX/XX/XXXX {$94000.00} Credit as of XX/XX/XXXX on XXXX account {$1500.00} Loan closed by REFI XXXX with amount {$95000.00} Received a refund of {$160.00} without any explanation on closing statement. My new lender shows XXXX was paid off with all the associated closing cost.