23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Financial Asset Management System contacted me in XX/XX/XXXX with a letter stating that I owe more than {$2000.00} for a student loan that originated with the University XXXX XXXX XXXX in XXXX. 
I had previously paid this loan in full to XXXX XXXX XXXX over a period of several months, with the final payment in XX/XX/XXXX. 
I called FAMS and let them know there had been a mistake. The Customer Service person I spoke with said this is not unusual -- that XXXX had sold a loan to her company that we had already paid. She asked me to forward the documentation I had to the client services team and her supervisor. I did so and also filed a dispute with XXXX. 
Today I was informed my dispute was denied. I can not get a response from FAMS. I did however recently receive a second collection letter from them.
Product: Credit card

XXXX. In XX/XX/XXXX, I cancelled my credit card no. ending XXXX  due to theft. A new card was issued, ending XXXX. 
XXXX. On XX/XX/XXXX I reported to BofA that I detected a pending fraudulent transaction of {$350.00} to Grubhub.com on the new card. It would not have been possible for me to process that transaction, since I had not yet received the card and did not know its number. BofA said they would open a claim. I did not hear back from them. 
XXXX. On XX/XX/XXXX, BofA posted the fraudulent transaction into my statement and on XX/XX/XXXXXXXX  it was drawn from my bank account ( as part of auto-payment ). I again contacted BofA ( XXXX XXXX and this call took one hour of my time. Again I was promised this would be taken care of. I also requested that the card be cancelled and the account closed. 
XXXX. On XX/XX/XXXX BofA issued two letters, one that it had applied the amount of {$350.00} to my account and another that it had closed my account. 
XXXX. On XX/XX/XXXXXXXX XXXX XXXX  BofA notified me that it had credited my bank account for only # XXXX, deducting {$25.00} " because your account would have been past due or over the credit limit and you would have accrued fees and interest charges ''. 
XXXX. On XX/XX/XXXX, I mailed BofA a letter demanding they return to me the {$25.00} they incorrectly withheld. 
XXXX. In the XX/XX/XXXX online statement and for each month thereafter, BofA sent me emails that my Statement balance is {$320.00} and NOT due for payment. I only have seen these emails after the most recent event that happened last week. 
XXXX. Last week on XX/XX/XXXX, BofA withdrew {$320.00} from my checking account. 
XXXX. Today, I called BofA to settle the matter. The first agent kept me on the line for 40 minutes and then handed me to claims. Claims kept me on the line for another 20 minutes and did not submit my claim. I was told that they did see the original dispute and that it was submitted as " duplicate transaction '' rather than " Fraudulent transaction ''. I had to end the hour long call to get back to work. I do not believe BofA will resolve my issue. I have also contacted my Bank to dispute the transaction.

In summary, Bank of America has not straightforwardly and honestly dealt with a fraudulent transaction reported to them. They initially refunded me most of the funds and then- without authorization - pulled them back a year later. I fear that in the future they may access my bank account again and post any amount they wish, to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XXXX overnight my vehicle was damaged in the hailstorm and I immediately contacted my insurance company and filed a claim the next morning XX/XX/XXXX. 
XX/XX/XXXX the insurance company representative came and inspected the vehicle and then, afterwards, on the same date made a settlement offer since the cost of repairs exceeded the value of the vehicle. 
XX/XX/XXXX I called XXXX and asked the XXXX employee for the payoff quote amount and the employee verbally said that the payoff quote amount is {$4300.00} and sent me the email with the same {$4300.00} payoff quote amount. The payoff quote period was from XX/XX/XXXX - XX/XX/XXXX. I forwarded the same email with the same payoff quote amount to the Insurance company and on XX/XX/XXXX the insurance company immediately sent the check # XXXX for the {$4300.00} payoff quote amount directly to XXXX to their XXXX AZ address. XXXX received the check and did not apply the check to my loan account in a timely manner. And they did not update the account with the payoff check and did not report the account as paid in full to the Credit Bureaus. 
I called XXXX and asked what happened to the check and why have they not applied the payoff check to my account ; I did not receive an explanation but they transferred me from one unhelpful employee to another unhelpful employee. And my issue was not resolved. 
XXXX did not report the account as paid in full to the Credit Bureaus and they reported my loan account as late payment and delinquent. XX/XX/XXXX I filed disputes with Equifax ; and filed disputes with XXXX and XXXX  and they did not conduct a proper investigation and they did not update my credit reports/files to remove the late payment, delinquency, any derogatory information from my report ; and, did not show the XXXX account as being PAID IN FULL/SATISFACTORY.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 XXXXXX/XX/XXXX
Product: Debt collection

Good Evening, I just got off the phone with both XXXX and XXXX at EOS CCA company in regards to alleged debt from XXXX acct # XXXX, and it keeps showing that I still owed {$360.00} but this debt has been paid down in full with reference number # XXXX ... This is reporting wrong balance and they both mentioned that once it's paid that they will fax me the letter and put an order to get it removed or deleted from my credit report. 

Again, I had disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor.
Product: Mortgage

SPS withheld material information and thus perpetrated a fraud by not disclosing the information provided in Mortgagee Letter XXXX and the fact Sheet : " Biden Administration Announces Extension of COVID-19 Forbearance and Foreclosure Protections for Homeowners '' both published XXXX XXXX. Those documents proclaimed : " Today, as part of the Presidents commitment to deliver immediate relief for American families bearing the brunt of this crisis, ... .announced an extension and expansion of forbearance and foreclosure relief programs. 
These critical protections were due to expire in XXXX, leaving many at risk of falling further into debt and losing their homes. Now, homeowners will receive urgently needed relief as we face this unprecedented national emergency. Todays action builds on steps the President took on Day One to extend foreclosure moratoriums for federally guaranteed mortgages.

The actions announced today will : Extend the foreclosure moratorium for homeowners through XX/XX/XXXX ; Extend the mortgage payment forbearance enrollment window until XX/XX/XXXX for borrowers who wish to request forbearance ; Provide up to six months of additional mortgage payment forbearance, in three-month increments, for borrowers who entered forbearance on or before XX/XX/XXXX. 

Instead of extending to forbearance from 11 months to 18 months as the Biden administration directed mortgage servicers to do, SPS chose to ignore the above declarations by withholding material information that would save homes from foreclosure and instead forced struggling homeowner into a reduced payment scheme ( UP ) that would result in large balloon payment that would cause homeowner to default on there loan and allow SPS to foreclose on the equity rich homes and profit from fees that SPS would collect.
Product: Checking or savings account

On XX/XX/XXXX I opened a new Checking account with Keybank with a promo code for {$400.00}. The banker sent me an email on XX/XX/XXXX asking for more information. I provided the still active direct link to KeyBanks own website with the bonus offer. I have adhered to all requirements of the offer. On XX/XX/XXXX The banker emailed me stating I would not receive the bonus. Here is the link. 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A few days ago some bills did not go through so I logged into my account to see what was wrong and was greeted by a number to call. The people on the phone claimed it was a periodic review being done for many accounts due to all of the fraud taking place recently. He explained that a form would be sent to my email on file that needed to be filled in order to fix my account which will take approximately 5-7 days after the form is filled. 

I filled the from reluctantly, and seen that it was asking for all my IRS records from XXXX  of all people ( whom was recently breached giving out over 145 million people 's full life information mind you ) in which I took care of it knowing I could legally request the information deleted after verification. My information was verified through the system and early this morning I logged into my account to pay off the balance as usual but seen no available balance, only what was due. I contacted a representative and they informed me that my account had been closed. 

Keep in mind I've had this account since XX/XX/2014 and have NEVER been late, always paid off the balance monthly, etc. You can not find one single issue with my account, but they said they could not verify my information? XXXX? But yet they've been accepting payments from me for 7 years. 

Outside of this they offered me to reapply, so basically they are destroying my credit profile for having a 7 year old account which is about to drop my credit score drastically due to the age average since I never really used many credit cards other than this one, all for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I am unsure of how this happened. I need these items deleted from my credit report. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$200.00} XXXX AR XXXX {$200.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX {$59.00} XXXX XXXX {$1200.00} XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$75.00} XXXX XXXX XXXX XXXX {$370.00} XXXX XXXXT XXXX {$67.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$430.00}
Product: Debt collection

Capital one is advertising an alleged debt that has been paid on my consumer reports. This is affecting my reputation and my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified my mortgage lender several times in XX/XX/XXXX that past payment history has not been updated since XX/XX/XXXX. Both Equifax and XXXX  shows account is in " Good Standing '' but payment history does not show all payments made from XX/XX/XXXX to XX/XX/XXXX. Also shows 37 payments being late, which is incorrect. 

Lender agreed in XX/XX/XXXX by official letter attached to update my reports due to a mistake they had made on an agreed payment plan from XX/XX/XXXX thru XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried now for months to handle this on my own. I have gone to Citizens bank and they don't even want to sit down with me because the account is closed. I tried XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX. I have also called numerous times same dates because I would go into the branch they would give me number because, " they were unable to help me '' and I was on the phone for hours transferred to multiple times all while getting no where. Then one day recently XX/XX/XXXX I called to be transferred to 6 representatives when I finally got a nasty man XXXX XXXX agent number XXXX. That was a 4 hour conversation where I was transferred 6 times and they said there is nothing they can do because the account is in my name and closed. 

Back in XXXX I started working for XXXX XXXX, owner of XXXX XXXX XXXX  and XXXX XXXX XXXX, in XXXX XXXX. I was doing mostly office work helping him collect on past due accounts, I was in charge of payroll, ( Which never happened ) scheduling and sometimes I would go out into the field for estimates or to do work. He had mentioned to me that he was going to add me on the " XXXX Bank account '' and make me a signer because we were getting into situations when he would want me to write checks and I told him I can not because it is not my account. Then one day in XXXX we went into a XXXX bank and we did just that, made me a signer. I made it clear on multiple occasions I just wanted to be a signer. That day when I was added XXXX account was already negative, I said this seems like a bad idea I don't want to go on this account as a signer when it is negative. He said a customer had written him a check and it will be handled. I believed him. 

Now fast forward to XX/XX/XXXX I have never written any checks out of that account nor did I ever have a debit card with my name on it. My issue is this was his account it is negative because of his negligence not mine. I had a XXXX XXXX XXXXXXXX account for 19 years which now is closed and purged because XXXX XXXX wrote and deposited checks into my account and they were bogus. I have already filed charges against him and had to get multiple police reports because this man stole my identity and ruined my life in just under a year. He is now being held at the XXXX XXXX  XXXX XXXX where he is facing multiple larceny, stolen identity, and forgery charges. 

I need help resolving this issue so I can begin to get my life back. When I met him I had an XXXX credit score and the same bank account for 19 years. My credit score is now under a 5 and I am unable to get a bank account because of him. He also opened a XXXX account in my name which had multiple checks deposited and it was left negative and purged. He opened that without any of my knowledge.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX I do not have contract with XXXX XXXX. the debt listed on my credit report does not belong to me! it is fraudulent. I looked at my credit report and noticed an unsual collection. It was completely unauthorized, done without my consent, I have in the past lost my personal credentials while searching for a job in which I had my social security card which I believe someone possibly stole my information. Please kindly I ask that remove this debt collection off my credit report!!!
Product: Credit card or prepaid card

CashApp is a popular and widely used financial service where people can receive funds and send funds and can make purchases using a card provided by CashApp and have those purchases refunded to the same card as well as adding and withdrawing funds using a variety of methods including transfer via debit/credit charge to non-CashApp card, direct transfer/wire from outside account, or ATM cash deposit. 

What CashApp does not allow is downloading or viewing statements outside of the app, and users are not able to view any records or ledgers of any duration or length of time for transactions under their account. 

I contacted CashApp support for assistance with many issues I encountered using their service, and one of those issues involved a handful of missing and extra transactions. During my initial overview of transactions logged in CashApp I noticed that I had not received funds from refunded purchases, and contacted CashApp support to request a detailed list of transactions. I was informed by multiple CashApp support representatives that they are unable to provide statements or a transaction history and that I could view all transactions under the activity portion of the app. 

My transactions do not balance as currently listed in-app, and transactions that I know had been refunded should have my account balance at a larger amount. CashApp support representatives have declined to investigate, and my requests for documentation from investigations have been denied. I want a list of all transactions made under my account, and I feel CashApp is hiding more than one thing from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone or multiple individual use my drivers license and social to open a savings and checking account at XXXX XXXX XXXX XXXX. The checking was open with {$25.00} and saving {$5.00}. They also got a car loan for {$50000.00} from the credit Union. The way I found out is because I receive a debit card to activate so I went directly to one of their local branch located in XXXX XXXX, Florida : they show me the license and social use which is exactly what I have in my possession, my own identification. The loan was process online and that person XXXX signed the documents. They went to purchase a XXXX  XXXX pickup XXXX : the credit Union has the location and the car information where it was purchased. On the dealer application they use a different address and a phone number but use my driver license number. XXXX XXXX ignore the fraud alert on my credit unlike other bank they had call me during that same time period and I told them I didnt try to apply for anything but Now I have a car loan from XXXX XXXX XXXX XXXX on my credit. 
I have XXXX XXXX XXXX XXXX with a loan and hard inquiries and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on my credit report. I never authorize any credit from none of them and surely did not inquiry a XXXX  car loan. 
police report case XXXX and FTC reference XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft. Please consider this letter as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. Additionally, I filed an identity theft report with the FTC. 
I urgently request the removal of these accounts. Your prompt attention to this matter is greatly appreciated. I apologize for any frustration conveyed in this message. The errors on your part are causing significant financial difficulties for me, and I implore you to rectify them swiftly. Thank you for your understanding and assistance. Now, I am disputing the information that should not be appearing on my file. 

XXXX BANK XXXX, XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transaction were authorized I was charged fees due lagged posting of charges a credits .This issue aligns with recent cfpb finding against navy federal credit union for similar practices where transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

This inaccurate public record information is reporting on my credit report even though I have no idea regarding this account.
Product: Student loan

About a year ago, I received a letter that my XXXX student loan, in my father 's name, was being taken over by another company called Aidvantage. When I stared paying the bill, the transaction still comes out of my account as a payment to " XXXX XXXX XXXX XXXX ''. Plus, the Aidvantage website appearance is almost just like XXXX. Is XXXX lying about my loan not being under their company?
Product: Checking or savings account

We are the XXXX XXXX for a XXXX XXXX. On Tuesday, XX/XX/XXXX we called to close a CD account with Synchrony Bank and have the balance mailed to us. After not receiving the check I followed up with them on Monday, XX/XX/XXXX and they indicated they had not received the first request but they would mail the check minus a {$1500.00} penalty this week and we should have it in 7 to  10 days. The person I spoke with said they did not have the authority to waive the fee but would have a manager call me back. I never received a call back. I called again on XX/XX/XXXX and spoke to two people. The final preson being a XXXX who was a supervisor. She indicated that when I called on Monday, XX/XX/XXXX there was no notes made to escalate the call and that they needed to investigate the original call of XX/XX/XXXX before they could make a determination. She said this would take 48 hours and I would hear back next week. After not hearing back again I called Synchrony for the fourth time on XX/XX/XXXX and spoke with a representative of Synchrony. He indicated that the review of the phone logs that was promised to be completed in 48 hours was not completed. He indicated that he could tell from reviewing our account that it had been mishandled from the beginning. He also informed me the check had until XX/XX/XXXX to arrive at our office. Also, that the penalty was {$1800.00} they deducted not the {$1500.00} originally quoted. Also, he stated that they could have charged us {$2100.00} as if it was a favor to us. I let him know that the contract shows a penalty of 90 days interest, to which he said he could register a concern if I wanted, which I said I did. I asked to speak to a supervisor. He put me on hold twice and came back and said no one was available and if I wanted he would put in a request for a call back and I would hear back within 48 hours. He also indicated that he did not think his supervisors would change the position on the penalty. I informed him we would be filing a complaint with the Consumer Protection Board and he indicated we should if we felt it was necessary and that he was pretty sure they would not change their position on the penalty even though they had not followed their reported internal procedures. As of this time we have not received any of the Association 's funds owed totaling {$200000.00} and can not get a response on the fees that have been charged.
Product: Debt collection

My billing is incorrect I have notified them almost monthly. This is a furniture finance and It has promotions that excludes interest if paid by promotion dates I have paid all of the promotions by the date due to have them closed but there is XXXX for XXXX that was paid and I am getting billing stating that it has not been paid and it's past due which isn't true The rep/sup XXXX threatened me and said that if I didn't pay today I would lose my promotion I attempted to inform him that the bill is incorrect and I needed it to be corrected prior to payment to ensure I am paying correct amount. I am willing to pay what I owe and nothing else To have manager call me to resolve billing issues send an accurate bill and remove all or any late fees