23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX has received funding in the estimated amount of {$1500.00} on my behalf from XXXX a program which covers any/all balances on this utility account.I made several calls to XXXX XXXX to have my initial Deposit of {$180.00} returned to me in a check within XXXX business days after closing the Account back on XXXX XXXX. I was told I will receive this check in the mail which I also updated the new mailing address after waiting the allotted time no check was mailed to my current. I called XXXX XXXX and was told by another representative that they are sorry for the inconvenience and miscommunication but my initial security deposit 0f {$180.00} was applied to the final bill balance and any of the remaining money that was funded in the amount of {$180.00} of my deposit will be refunded back to the XXXX XXXX XXXX. I then called the direct agency to verify I gave no balance owed to XXXX XXXX. on my behalf and if that was the correct procedure to have any remaining allowed funding per participant returned back to them I then get an alert on my XXXX Credit Report notifying me that this is a debt that is owed to XXXX XXXX and its been given to PROFESSIONAL CREDIT XXXX XXXX XXXX XXXX, OR XXXX to collect the alleged debt amount of {$320.00} this is unfair inaccurate information reported on my credit report.
Product: Mortgage

This short sale was submitted 186 days ago as a COMPLETE packet with valid offer of {$580000.00} which is in comparison to the BPO. SPS 's  underwriting dept continues to ask for things they either have or do not need. Specifically they asked for a 2nd lien payoff statement, which I provided about 3 months ago. I was told they had an issue that it didn't include the property address, I explained it wont have the property address because it is attached to the borrower, not property as it is a credit card judgement lien. They then said that it would have to be remove from sale proceeds as they only pay mortgage liens, fine. I removed it. THREE MONTHS LATER underwriting is asking for a payoff statement again despite already resolving this. I have explained this to 11 people and they all understand at SPS ( customer service and supervisors ) they say they will send a message to underwriting to explain, they do yet UNDERWRITING continues to request non applicable payoffs BECAUSE THEY WONT PAY THE JUDGEMENT LIEN. This is just one of the many unnecessary delays this short sale file has endured.
Product: Checking or savings account

Made a deposit at the U.S Bank ATM at XXXX XXXX in XXXX XXXX, CA. 
The ATM instead disbursed an error receipt, which read A MACHINE ERROR HAS OCCURRED AND WE ARE UNABLE TO CREDIT YOUR ACCOUNT OR RETURN SOME OF THE ITEMS YOU ATTEMPTED TO DEPOSIT. PLEASE CONTACT XXXX SO WE CAN ASSIST IN THE RETURN OF THESE ITEMS. 
I called, they opened a claim that they said would take XXXX days to get to, and if I needed immediate assistance with credit to my account to walk into my local branch. 
I drove over to the XXXX XXXX branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX and spoke with Branch XXXX, XXXX XXXX. 
She was very rude in assisting us, and did not answer questions I had. Instead told us the XXXX or XXXX number given they unfortunately always send people to the branch thinking we can help and we can not. I asked her the vendor/third party who services the US BANK ATM XXXX and she she why do you need that information? I replied, is it in your policy to not give that information? She replied, The third party vendor is irrelevant to this situation! I replied, it is of relevance to me. So again, is it in your policy to not provide that information? XXXX replied, I am sorry but I can not help you with your situation. 
I am disappointed at the customer service and lack of help. With other banks, they credit you while in investigating the issue, as in this situation it is not the customers fault. Whoever the third party is that maybe services the ATM dropped the ball, and now I am out of funds because I trusted the US BANK name.
Product: Mortgage

Below are the amounts owed due to forbearance. These amounts were added " to the back of the loan '' which as an average person we assume is " we will extend your long for those months '' but what they actually did was RENEW my entire loan AND added time to my loan. so it was base balance of XXXX + XXXX .... and for the XXXX forbearance they added that amount to XXXX... 

XXXX ( XXXX ). {$11000.00} XXXXXXXX XXXX {$5500.00} interest from forbearance XXXX XXXX {$9900.00} XXXX XXXX XXXX interest XXXX Current Balance Owed as of XXXX ( XXXX ) : {$95000.00} I received an amortization document, and somehow my LOAN amount as of right now is XXXX years. As I scrolled down, I am being charged 80 % interest and paying LESS than XXXX $ towards my balance. USBANK extended my loan well beyond XXXX years, and are pocketing all of the interest while making almost no payment to my balance.
Product: Credit card

On XX/XX/year> I placed a order for XXXX items XXXX. XXXX XXXX XXXX XXXX XXXX for {$1300.00} and XXXX. Hansgrohe sink faucet for {$100.00}. The following day I received a email that the orders were declined. I called Citi Bank to ask why me card was declined. The Citi Bank lady told me she cancelled the order and to put it through XXXX again. She assured me this wouldn't causes a duplicate order. 

I received a duplicate order email from XXXX for both the sink and faucet. I was told by XXXX to return the duplicate orders. I returned XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX sent me a email acknowledging they received both on XX/XX/year>. I have a cancelled check to Citi Bank that I have paid for the other XXXX XXXX XXXX XXXX XXXX and XXXX sink faucet. 

XXXX claims they are not being paid by Citi Bank and has stopped me from ordering until this is corrected. I have been back and fort every day with XXXX and Citi Bank trying to get this corrected to no avail. I have spoken to XXXX, XXXX XXXX, and XXXX at Citi, XXXX, XXXX, XXXX, XXXX, from operations, XXXX, XXXX, from the XXXX XXXX XXXX XXXX. Sometimes on a conference call with both the bank XXXX Citi. Everyday I given a different answer as to why this is happening and am told another XXXX business days to fix this issue. 

XXXX has the returned items. Citi has my money. And I'm getting the run around. I want to do business with XXXX but I can not do so until the bank XXXX XXXX straighten out their book keeping problems. I am concerned for My credit rating while this is going on. 


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

in accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XX/XX/2022. XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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 WITH OUT MY WRITTEN INSTRUCIONS.
Product: Credit card or prepaid card

I have two instances that affected my credit. First, I had a credit card with XXXX, the bank they had the credit program with was XXXX XXXX. Second, I had a Capital One credit card with Lord and Taylor. 

XX/XX/XXXX : My credit was negatively impacted due to the fact that XXXX XXXX closed and as a result closed my credit card account. The settlement says it is closed because I haven't used it in a while, which wasn't true. It was because the bank closed. 

XX/XX/XXXX : My credit was again negatively impacted because Lord and Taylor went out of business, again it says my account was closed due to not using for a while, which is NOT true. Lord and Taylor went out of business, as a result my credit card was closed and the settlement negatively impacted my credit. 

I reached out to XXXX XXXX, who transferred me to XXXX, who gave me the run around and told me they can't make any adjustments on my account. They also said they aren't the ones who would physically change my credit score, and that I would need to call Capital One and XXXX XXXX directly. As XXXX XXXX  is closed and I had no way to contact them, I tried my luck with Capital One. Capital One said that there is no adjustment for them to make, and spat me back to XXXX ; who then reiterated that they can not physically change my credit score. My credit score is XXXX now, and that is from months of rebuilding from what it dropped to after these two settlements. In other words, before any of this happened my credit was XXXX, after these two 'settlements ' it dropped to XXXX and I worked extremely hard and made sure I paid every one of my bills on time to build my credit up. I can't even imagine what my credit would be right now, had these two 'settlements ' not affected my account. I was talking on the phone with a sibling and a colleague overheard me venting about my credit issues, and after I got off the call my colleague approached me and referred me here as she had a similar issue and worked with you guys to resolve the issue. I'm not sure if there is anything you can do here, but I figured it was worth a shot to try. I don't believe my credit should be affected because Lord and Taylor went out of business, or XXXX XXXX closed. That doesn't seem fair to me. I am copy/pasting an email I received from Lord and Taylor notifying me my account had been closed : " Were writing to let you know that the Lord & Taylor Credit Card program with Capital One has ended, and your Capital One account was closed on XX/XX/XXXX. 

Important information about the transition : As previously announced, Lord & Taylor has ended the Rewards program effective XX/XX/XXXX. All previously issued Rewards expired on XX/XX/XXXX and can no longer be redeemed. 
Your Lord & Taylor Credit Card has been deactivated, and you can not use this credit card for new purchases. 
As long as your account has a balance, youll continue receiving statements, and all terms and conditions remain in effect. ''
Product: Credit card or prepaid card

On XX/XX/2021 I received a letter stating my XXXX credit card account was closed due to lack of real estate which makes no sense since i didnt have real estate when i got the card. No other notice or warning - and now my {$5000.00} limit is gone and my credit report shows account closed by guantor which hurts my score overall.
Product: Debt collection

NATIONAL CREDIT ADJUSTERS at XXXX XXXX XXXX XXXX XXXX KS XXXX. Has been sending me collection notices in the amount of {$620.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Type : Installment Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Account Type : Installment Date Opened : XX/XX/XXXX 3. Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Date Opened : XX/XX/XXXX 4. Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Type : Installment Date Opened : XX/XX/XXXX 5. Account Name : XXXX XXXX XXXXXXXX Account Type : Unsecured Date Opened : XX/XX/XXXX 6. Account Name : XXXX XXXX Account Type : Line of Credit Date Opened : XX/XX/XXXX 15 U.S.C

1681 Section 602 ( A ) States I have a right to privacy. 15 U.S.C 1681 Section 604 ( A ) Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( c ) Section 605 states : no consumer reporting agency may make any consume report containing any of the following items of information ; any other adverse item of information, other than records of convictions fo crimes which antedates the report by more than several years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to
a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I attempted to connect my checking account to multiple services that use XXXX. Some are essential to my life. 

Some, like XXXX, give access to my pay through no cost advances on my pay. 

Others, like XXXX, allow me to have a business bank account that I can transfer quickly in a verified way in and out. 

This is not an exhaustive list. 

XXXX is an important part of living online, PNC is important as the only real bank around. 

PNC should allow XXXX to access as all other bank accounts I've had in the past has.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX  account XXXX XXXX, DEPT of Education/XXXX  account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX
Product: Mortgage

I have a mortgage that was with XXXX XXXX for years, The bank was sold to XXXX XXXX in XXXX 2015, XXXX sold my mortgage to STATEBRIDGE LLC. XXXX 2015. I had a bankruptcy chap. XXXX, but never had any lates on my mortgage the mortgage was always paid on time and current, still is current. I have not received a coupon book, I called and was informed by XXXX that my mortgage was late?? My monthly P & I is {$830.00} plus tax escrow total pymt {$1100.00}, they took the {$1100.00} as P & I and added taxes to it making my pymt {$1400.00}, I tried to tell her that was incorrect. I faxed and mailed my note, mortgage, history and cancelled checks to show my loan amount, payment amount, and proof that the loan was current. I have called several times, wrote letters, emailed and faxed NO REPLY and I was told they cant talk to me. All I need if for this to be straightened out, my XXXX qtr taxes and XXXX qtr taxes have not been paid by them the money is in my escorw, I had to pay the XXXX qtr out of my savings so the taxes would not be late. All I want is for them to correct my account reflecting the correct payment amount, send me a coupon book and for them to pay my taxes on time. I have all documentation to prove my loan is current and what the payment is. Can you help. I really feel this company is trying to make my loan appear late so they can foreclose, I talked to another person who is having the exact same issue with this company. I need help resolving this matter and not getting any response from this company what so ever.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 am writing to formally dispute an issue related to my credit report following the data breach incident that occurred at XXXX, which was publicly disclosed on XXXX of XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ), I am requesting an investigation and resolution of this matter under the framework of protections available to consumers impacted by a breach. 

It has come to my attention that personal information, including Social Security number, date of birth, name, address, was exposed during the breach, and this could potentially affect the accuracy of my credit report. I request that Transworld review and correct any incorrect or potentially fraudulent entries resulting from this breach. 

Please confirm receipt of this dispute letter, and I request that you initiate the investigation process immediately. I expect to be notified of any changes made to my credit file or any actions taken in response to this dispute. 

Also I previously asked for Debt validation and/or Contract agreement and was provided a past due bill which does not validate this debt. Please be advised that under the FDCPA, you are required to validate this debt before any further collection efforts can be pursued. Until you provide proper validation, I request that you cease all collection activities, including reporting this debt to credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Product: Debt collection

They call me every single day in the morning between XXXX. When I ask what the call is about they will not answer they just say it is a matter with the business and proceed to ask for personal information. Very rude and unhelpful. It seems like a scam because they want my personal info before even explaining who they are. Very harassing.
Product: Credit reporting or other personal consumer reports

I have been subjected to penalties to my credit score due to creative billing by XXXX XXXX XXXXXXXX ( XXXX ). 
On XXXX, my husband XXXX XXXX, passed away. Unknown to me, he carried credit cards with unpaid balances on them. I was never co-owner on any of his credit cards. However, XXXX has resorted to transfer billing of these charges from his XXXX credit account to my name in a new account number XXXX since being informed of his death. 
They have not sent any proofs of my sharing a credit card account as they claim, but sent a savings bank account that we shared, which has nothing to do with his credit card accounts. Of course we lived in the same household, and his bills came to the same address, and he made payments to his credit cards from our shared bank account. But they know that I was not a co-owner to this x XXXX account as they willingly closed XXXX other accounts with similar issue, and refuse to close this one. 
They agreed upon my request to send account initiation signature proof of their claim to my involvement in his credit card account, yet what they sent is verification of our joint bank account. Lately, my XXXX score dropped to XXXX from XXXX in XX/XX/year>. 
I am not obligated to pay for charges on an account I never owned or co-owned with anyone. 
I have spoken to multiple XXXX telephone representatives, and in person bank staff on this matter, to no avail. 
I queried this new credit account from the first bill received, yet I continue to be targeted for payment of new monthly bills in my name. This has damaged my credit. 
Again, we shared a bank account, never a credit card account. I have never signed up for or agreed to shared credit card accounts with him. I am not responsible for unpaid charges on a credit card account that I never owned. 
I would appreciate some oversight into this behavior by XXXX, which is unprofessional and unethical ; in closing his unpaid credit account and opening a new one in my name with the same balance. I should never become the subject of this activity at all, especially now having just lost my husband. I appreciate any assistance and feedback from you on this matter. 


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

my credit report with Equifax is split, which makes my credit report invisible to someone who is running my credit. Equifax can see my current accounts, but nobody else can. i have a reference number from a company here that has been working to fix the issue ... ref # XXXX
Product: Credit card

In 2016 while making a purchase at Target I was asked if I wanted to apply for a Target card to receive 5 % off my {$28.00} purchase. I agreed, I apply and I was approved for a Target Store Card. Weeks passed and I never received my Target card, and frankly I forgot about my {$28.00} purchase. Months later I am contacted by Target Card Services and told that my account is in collections for over {$130.00}. I am told that the balance is a result of my initial {$28.00} purchase plus late fees and interest. We discover during the conversation that Target Card Service had my address incorrect. I appears that the Target representative who I handed my drivers license to when I made my {$28.00} purchase, incorrectly entered my address into the Target Card system. Subsequently, Target Card Services sent my Target Card and statements to the wrong address. I updated my address with Target Card Service and quickly agreed to pay the initial purchase amount of about {$28.00}. However, I refused to pay the late fee and interest since Target Card Service incorrectly captured my address and failed to send me the card or statement balance. Target Card Service acknowledged that they incorrectly entered my address at the time the Target Card application was taken but they have taken a very hard stance on the late fees and interest, and have refused to remove them from the account, even though they acknowledge their error. Now they are attempting to collect the outstanding {$100.00} and have report it to my credit report resulting in my credit score dropping from XXXX to XXXX. I think it is grossly unfair for Target Card Services to acknowledge they captured the wrong address, sent my new Target Card to the wrong address and continued to send my Target Card statements to the wrong address and then attempt to collect {$100.00} in fee and interest. As soon as Target Card Services contacted me, I paid the initial purchase by phone to them.
Product: Checking or savings account

This is probably the 5th complaint about the same issue regarding Bank of America and their unfair business practices.

1. They are not investigating disputes. I disputed several XXXX  charges and they initially credited my account, but then they reversed the credit saying that the business never responded. No response from XXXX  does not validate the charges. I have 3 disputed XXXX  charges for rides that I did not take.

2. These charges have caused my account to become overdrawn and then the Bank charged me overdraft fees. My concern is that they will close my account as they did my savings account and make a negative report to the credit bureau. I don't care if the account is closed, but I want these issues addressed first.
Product: Money transfer, virtual currency, or money service

Cash App is not being transparent on refunding me my money or unauthorized transactions I didn't know some one hacked my cash app account and started remotely without my knowledge her email was linked on my cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail from Synchrony Bank saying I tried to open a credit account with Walgreens but they were unable to access my credit report. My credit reports are frozen. However, I never applied to any credit account with Walgreens. I called Synchrony bank, they couldn't find anything and I called Walgreens but they said everyone who tries to apply for Walgreen credit will do it online and that application goes straight to Synchrony bank. Therefore, they wouldn't have any information regarding this. Synchrony bank can only assure me that no account has been open but they can't help me with locating the source of this letter since I did not apply for any credit account with Walgreens.