23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On or around XX/XX/2020, I contacted US Bank in order to close my credit card account with them. I was assured by the phone representative that the account will be closed and the {$60.00} annual fee refunded in FULL. I was expecting the refund of the annual fee to be offset against the charge I have made on XX/XX/XXXX, with the aim of avoiding having to deal with the nuisance of having to a check in the mail and deposit it. 
Unfortunately, contrary to the confirmation by the phone rep, the fee wasn't refunded and the account appears to not even have been closed.
Product: Debt collection

In XX/XX/XXXX, I ( we ) decided to use XXXX XXXX XXXX ( XXXX ) to consolidate our credit card debt. This debt involved 5 credit cards totaling {$32000.00}. As part of this process, we agreed to stop paying our debt directly to the credit card companies to allow XXXX to negotiate a reduced amount. Our 2 Citibank credit card accounts were subsequently transferred to XXXX XXXX XXXX for collections. Additionally, in XX/XX/XXXX, we signed an agreement with XXXX 's sister company XXXX XXXX to pay off all of the credit card debts, pending targeted negotiations. The Citibank cards were then paid off by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. 

Knowing that these accounts had been charged off by Citibank and now had a XXXX   balance I contacted XXXX XXXX XXXX on the morning of XX/XX/XXXX. When I spoke to customer representative, XXXX XXXX, I confirmed that not only did these accounts had a XXXX balance but that my name is not even tied to the credit card accounts. This info is critical because these Citibank cards are still on my credit. If my name is not associated with these cards then it should not be included on my credit report! When I asked the XXXX XXXX XXXX representative to report this information to the credit bureaus, he referred me to his supervisor. The supervisor emailed me attachments of the satisfaction letters from both accounts. As further evidence to support my claim, my wife 's name is on both these letters and mine is not present. The supervisor could not guarantee that these accounts would be removed from my credit card report nor did he refer me to anyone else in the company that could handle my concern. Currently, these credit card accounts are still on my credit report. Please help remove this injustice from my credit report so that I can improve my credit score. Thank you!
Product: Vehicle loan or lease

My credit report is showing an error with the acoount XXXX XXXX XXXX of XXXX XXXX XXXX They are showing this account as a closed account. This is an active account with payments made and up to date. If possible, confirm with the financial institution or do whatever is necessary, but eliminate the chargeoff status, because it is not correct and it is affecting my credit. Federal law protects me and I have the right to have correct information on my credit report.
Product: Debt collection

I received a phone call from a woman claiming that I owed on an XXXX account in an amount exceeding {$900.00}. I have never owned such an account. The women was rude and tried intimidate me. They called from a XXXX number ( XXXX ) XXXX, even though they claimed to be in South Carolina.
Product: Debt collection

Portfolio Recovery ( XXXX ) XXXX calls repeated times throughout the day, often beginning at XXXXXXXX XXXX  and then multiple times throughout the day. 
The debt they are calling about was written off in XXXX when I declared bankruptcy.
Product: Debt collection

I forgot to pay off a credit card. I travel a lot for work. I was in XXXX working for the XXXX and when I got home this company XXXX took my to court and levied a judgement against me. All of a sudded my paychecks were being garnished and I could not pay my bills. 

I hired an lawfirm to handle the case but it seems they are really not interested in it and just wasting my time. I tried to offer them a settlement and they wanted not only what was owed but a XXXX time payment of {$3200.00}. Doing research I found this is a violation OF the XXXX. according to the guidelines it says that I should be entitled to Damages. 

I would love to speak with someone about this. 

Thanks XXXX XXXX
Product: Credit card or prepaid card

I was unemployed for 6 months trying to stay above water. I had communicated with each one of my credit cards about the situation and what i was doing to resolve it. I was able to find a job finally and started getting paid and i paid all of my payments. When i went to pay my American Express payment I found out that they had decided to cancel my account. The customer service agent then told me if i paid the account up to date that he could work on getting my account reopened. So i paid a large sum of money to get the account out of the hole and he said he would start working on the rest. I called back today and they told me they won't reopen my account.
Product: Bank account or service

I deposited a check into my Wells Fargo checking account on Friday XX/XX/2015. The account had about {$350.00} and the amount I deposited in was about {$750.00}. I woke up on Wednesday morning the XX/XX/XXXX to an email notification from the bank that the deposit was put on hold. I went down to the Wells Fargo branch that I deposited the check out to clear the hold. The branch manager notified me that the hold was placed on XX/XX/XXXX and that the reason for the hold was that during the year I had a few overdraft charges. She also told me that the decision to hold the deposit was decided upon at their home office. Where ever that is. My complaint with Wells Fargo concerning this manner is XXXX fold. First off, they know its the holiday season and that people are spending money on gifts. By withholding deposits and not immediately notifying the consumer they allow the consumer to unknowingly overdraw their accounts. The decision to withhold the deposit days after the check was processed by the bank is highly suspicious. By the XXXX of the month the check should have been well cleared. Because I had overdrawn the account before I seemed like a easy victim for them to pull their scam on. When I approached the bank manager about this issue, within a minute she was able to release the hold on the deposit from her computer without any protest. If the bank had any real concerns about this as a long term issue then why would me telling them to release the hold be enough for them to release the hold. I also find the reasoning for the hold to be dubious in the extreme. To state the reason for the hold was because of overdrafts, then not allow a deposit into the account would seem counter-intuitive. Unless of course the bank wants the clients to have more overdrafts, which it does because it then slaps a {$20.00} charge on each overdraft. Wells Fargo 's actions in this situation are deplorable and should be held with utter contempt. It seems rather clear from my perspective that Wells Fargo was looking for an opportunity to slap additional charges on me by unlawfully controlling the timing in which deposits are allowed into the account.
Product: Credit card or prepaid card

Made an over payment on a payoff to a car loan. Santander sent me a pre paid Debit Mastercard that I am unable to register on line as instructed. The amount is for only {$22.00}, however they have made it impossible to register the card on line. All digits entered come back as not valid. This is just a scam by this company to get the recipient to give up trying to receive their funds due to them. 

XXXX XXXX XXXX XXXX XXXX XXXX card information : Card # XXXX Exp date XX/XX/21 Security code XXXX XXXX
Product: Debt collection

They keep calling my Home phone #, my Cell Phone, my wife 's Cell phone continuously for two days now. They are looking for someone who has the same last name as me. I 've told them I do n't know them and they just keep calling & harassing my family. They are using the name of Evergreen Acquisitions, their # 's are XXXX, XXXX XXXX, XXXX XXXX It shows up as XXXX. XXXX on my caller ID.
Product: Credit card

Capitol One locked me out of my account, and now won't give me access to my credit, informing me that fraud may have took place. When I ask about the transactions they do not tell me. They asked for documents to be sent to them to verify my identity which I did. They still aren't doing anything and still won't tell me what fraud. How am I supposed to confirm fraud if they don't give me access to see it? This is an invasion of my rights and my privacy at this point.
Product: Debt collection

I have proof that Wells Fargo received a letter from me requesting to verify and validate an alleged debt that came from my social security card. They also received a cease and desist along with this debt validation letter on XX/XX/XXXX. Wells Fargo then sent a 3rd party company ( that was not included any where in the initial communication ) to take my vehicle on XX/XX/XXXX. Wells Fargo then sends me a letter, that I received on XX/XX/XXXX. This letter was titled " Notice of our plan to sell your vehicle ''. This was the first time I had heard anything from Wells Fargo since my original letter was received 41 days prior. I have called Wells Fargo multiple times between XX/XX/XXXX and XX/XX/XXXX, and talked to a case specialist by the name of XXXX XXXX, who harrassed and lied to me multiple times ; I have evidence of these interactions. Since then I have filed complaints through the XXXX  OCC, and FTC. Wells Fargo has replied after the repossession letter addressing my concerns of their violations on XX/XX/XXXX. The letter they sent me had false and misleading information and they still failed to validate or verify this alleged obligation, while confirming they have received my original letters on XX/XX/XXXX. I have also stated their violations of the FCRA, TILA, and my right to privacy in affidavits as well. I have yet to this day, XX/XX/XXXX, received a proper response from Wells Fargo, yet they have continued to steal my property, share my private information without my consent, and neglect my rights as a consumer. Wells Fargo continues to send me the same letter, even after being presented with violations and new questions.
Product: Mortgage

My Mortgage for my home was sold to SunTrust who is now servicing my loan. I was mailed instructions for paying the loan which included that I would need to set up an online account. XX/XX/2020 at XXXX I went to Suntrusts website to attempt to do this. I was given an error message saying that my account did not exist. 
I called the phone number provided and spoke with someone who put me on hold, after several minutes the call disconnected. Prior to the call disconnecting, I was told that sometimes that happens with loans in regards to me not being able to set up an online account. 
I then called again and spoke with XXXX. It was now XXXX. XXXX told me sometimes we have technical issues and the phones disconnect. I asked for an address/ email address to mail my complaint to XXXX told me she would not give me that information. Eventually this call also disconnected during a time she told me she put me on hold. 
I called back again and this time XXXX answered at XXXX. I was in the middle of explaining my issue and that phone call also disconnected while I was still explaining my issue. 
I am really at a loss for how I should proceed with paying my mortgage. I am also highly uncomfortable with the level of customer service that I am receiving from SunTrust.
Product: Mortgage

In late XX/XX/XXXX I called my servicing bank which is Americas servicing and let them know I was having trouble making my payments. At the time we had to sell our business as we were not able to keep up with it. The bank stated that we needed to miss a payment before they would review a loan modification. At that time we missed XXXX payments and they began looking at my scenario. After the 3rd month o f missed payments I felt nervous and asked to bring it current but the bank said I was now 90 days late and they would n't accept a payment and that I was to wait for the loan modification process. I began sending in financial statements repeatedly to prove my income decreased drastically. I hired a company XXXX to help me with the loan modification process, in which I paid roughly {$1000.00} in total for services that did not help at all. On XX/XX/XXXX I received a call stating they would not modify my mortgage. They stated I know must pay {$28000.00} to keep my home and have until XXXX XXXX to pay this amount. I need help with this process as I feel I have been mislead along the way.
Product: Credit card or prepaid card

About week ago I received promotional e-mail from Bank of America on my personal e-mail address, where they offered no-annual-fee Business Advantage Cash Rewards Mastercard credit card. 
In addition to term and condition, it stated that " This is a promotional email from Bank of America ''. 
Today I have got new email from Bank of America : Thank you for your interest in our business credit card We cant approve your request for an unsecured account at this time. However, we have another option wed like to share with you. We can reconsider your application for a business credit card account if you secure it with a Bank of America Certificate of Deposit ( CD ). To take advantage of this offer Youll need to establish a CD in the amount of the credit line you want. We require a minimum of {$1500.00} with a 12-month duration. You can do so by : Visiting a nearby financial center, or Calling our Small Business Specialty Sales associates at XXXX, Monday through Friday, XXXX XXXX to XXXX XXXX Eastern. 

As per my understanding, Bank of America misleading customers and push their business on shoulder of regular people. 

I consider their action at least as violation of privacy and creating negative effect on people credit history. Promotion e-mail or mail have to be send to preapproved people.
Product: Mortgage

I am a XXXX XXXX XXXX XXXXXXXX veteran. The county where my house is granted me a 40 % reduction in property tax. This company refuses to review until XX/XX/XXXX. Even though I informed them that it was coming XX/XX/XXXX. I tried to adjust for the difference and they act like they did not get a payment. I do not think it is legal for them to demand that I continue to make escrow payments on something that is no long valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name XXXX DEPARTMENT STORE Account # XXXX Account name XXXX XXXX XXXX ( Account # unavailable, only XXXX  account on my report ), has violated my rights. 

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: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2024 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX applied for a payday loan with MyPaydayLoan.com. I never spoke to a representative to finalize it yet they deposited the money anyway. I emailed them and asked that they not, but they did. So I figured I would get it paid off. {$300.00} was deposited into my checking account and I have paid {$90.00} to date. I revoked automatic withdrawal of payments and MyPayDayLoan.com refused to provide me with a mailing address to mail payments. Today I received a threatening email from MyPaydayLoan.com. I can not access any information about my account. I can not make any payments. I can not find any mailing address. This is a predatory scam. I want this stopped. I owe {$210.00}. I will pay {$50.00} bi-weekly starting XX/XX/XXXX MyPayDayLoan will remove any negative reports against me via my SSN. MyPaydayLoan will provide me with an address where I can send payments.
Product: Debt collection

I started receiving texts messages from National Recovery Agency on XX/XX/XXXX about a medical bill from the XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) from XX/XX/XXXX which I have records of having paid. I thought it was a scam until I received a second message. I contacted XXXX on XX/XX/XXXX who said in an email that I had the debt and it wasn't an error and they sent me the billing summaries from a different set of dates ( XX/XX/XXXX, XX/XX/XXXX which was billed twice XXXX as XXXX  and XXXX as in office ; and XX/XX/XXXX ). 

This contradict the information from the collections agency which shows a date of XX/XX/XXXX for the supposedly unpaid bills. The bill which states that I received services on XX/XX/XXXX is for services I was provided on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have screenshots and downloads of the summaries and credit card statements that match up with the payment amounts where I paid the amounts in full for the services provided on XX/XX/XXXX. I am not sure why the visit on XX/XX/XXXX that was covered by my insurance is billed twice for an in person visit and a XXXX visit, when it was only a XXXX  visit. This bill also does not show up on the regular part of my patient health portal and had to be specially generated when requested on XX/XX/XXXX. 

This is not the first time something like this has happened with XXXX. In XXXX I was charged twice on the same invoice and they refused to revise the charges till I reported them to my credit card company, at which time they removed the charges. XXXX when they overcharged on my deductible, they refused to revise the charges till I reported them to the insurance company who required them to charge the negotiated rate for the visit after a XXXX hour long phone call. I can provide the bills and email documentation on these incidents as well if it will help.
Product: Debt collection

I was informed by Second Round LP that my alleged account with them was sold to   XXXX   XXXX   XXXX   even though Second Round 's claim against was dismissed in court. I have called and left several voice mails with   XXXX   XXXX   XXXX   to discuss this matter and no one answers the phone or returns my calls.   XXXX   XXXX   XXXX   does not have a working website to contact them via the internet either. I would like any intended actions against me or my credit by   XXXX   XXXX   XXXX   to be ceased immediately.
Product: Mortgage

XXXX XXXX XXXX sold our loan to First National Bank and IT HAS BEEN A NIGHTMARE trying to make our first payment. Between the terrible website to not being able to link our personal checking accounts to being forced to open a checking account with them in order to pay. We then transferred money and it still does n't show up. We received notice on XX/XX/XXXX that our loan was sold to them and that payment was due on XX/XX/XXXX as well and we have an additional 15 days to pay. Customer service on the phone is wholly unhelpful and they do n't respond to messages on our internal website. Customer Service wait time is a minimum of 10 minutes and have failed with several requests, request to open a checking account was delayed, then denied, then approved, then links to account was unavailable, and they have been unable to track any of these requests nor find them in most instances. Further, when asked if we can pay over the phone, we were told we ca n't pay over the phone until it 's delinquent. So, they are punishing us by getting more late fees. The only suggestion was that we drive to pay in person in XXXX MD which is the closest location. Their unwillingness to work with us and inconvenient/convoluted process seems like one of the fee grabbing activities this bank participates in. So, the fee generating activities do n't stop there, you can not pay your mortgage from an external account, I repeat, I ca n't pay mortgage directly. You have to set up a checking account within the bank, so if you do this in time to dodge fees you still have to fund said account. The catch here is that you can only fund your account a maximum of $ XXXX per day, $ XXXX monthly max, and a {$0.00} fee per transfer. So every month we are already giving them at least {$1.00} to fund an account to pay the mortgage through the bank. This is a scam of a bank and is set up to generate fees and one must exercise an extreme amount of caution to dodge the maximum amount of fees they are attempting to impose.
Product: Payday loan, title loan, personal loan, or advance loan

As many people are hitting on hard times, so am I. I was reaching the point of not being able to make payments, so before I missed any payments I applied for hardshihp status through a Debt Restructering Program and I was approved. One of my debtos was One Main Financial - I removed my Auto Pay, talked to my local branch rep, XXXX, and advised that I had entered the hardship program. I cancelled my autopay in XXXX. I talked with XXXX at XXXX XXXX in XXXX. I explained to her that I had cancelled my Auto Draft, provide my Case # with XXXX XXXX, who is handling my Debt Settlement Case. I advided XXXX that any future payments and communications would be through XXXX XXXX - XXXX took the case number and contact info and did contact GRT Financial to confirm. I had removed my Auto Draft Information from the One Main Financial Portal and talked directly with my representative at One Main Financial. On XX/XX/XXXX, XXXX Main took a payment from my account in the amount of {$300.00}, which caused an overdraft of over {$100.00} and cost me an Overdraft Fee of {$30.00} - I immediately contacted One Main Financial, my branch had already turned my file over to the Main Office that handles these Debt Settlement Cases. I contacted that office at XXXX - and talked with a supervisor there who denied my refund request, using some policy loophole they seem to have in place, saying I did not specifically state to One Main Financial that I wanted my Auto Pay canceled - She also stated they work with XXXX XXXX EVERYDAY ALL DAY - so that tells me she knows and fully understands the process. She claimed XXXX at the Branch did not note that I made that Verbal Request - My argument to her was : I did make that understood, very clearly, that I had cancelled the auto draft, and that all future payments and communications would need to be communicated through XXXX XXXX. Apparently, according to this supervisor, I had to state directly to XXXX - " I want YOU to cancel my auto draft. '' They took unauthorized money from my account, and they claim its my fault because my communication with them did not meet the criteria of their written policy. The fact she acknowledges they work with XXXX XXXX also tells me she knows the legality of that process, and what One Main Financial did by using some verbal loophole is predatory and to my understanding, against the law. I am requesting that One Main Financial reimburse me {$330.00} immediately. Thank you!
Product: Credit reporting or other personal consumer reports

I hAVE DISPUTED THE SAME ACCOUNTS FOR 5 MONTHS. aLL THEY HAVE DONE IS XXXX  DATES AN BALANCES. aLL INCORRECT XXXX IS STILL THERE
Product: Debt collection

CREDENCE RESOURCE has reported a fraudulent debt in my name to the credit bureaus. I never opened or authorized a XXXX account in my name. They need to remove the reporting immediately from all of the major credit bureaus promptly. 

My identity has been repeated been used. I filed a police a report due to finding my information being used. XXXX XXXX police department they can retrieve a copy of the police report directly. Report number is as follow, XXXX.