23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On or about XXXX/XXXX/2016 I had submitted a payment to Walmart but unbeknownst to me the payment was subsequently returned for lack of sufficient funds in my checking account when I was made aware of the problem which was four days after I immediately Submitted another payment which posted to my account successfully I then logged into my account to view my payment history and to my surprise without Prior Notice Synchrony Bank which is a Spin off and or Subsidiary of GE Capital Bank closed my account their reason being that this had been the second instance of a payment that was presented had been returned it should be of note that at the time the item was presented I had sufficient funds available to cover but it is my financial institution policy to pay at the their discretion if I did n't have enough to cover I spoke with an " Account Manger '' who at first said that there was nothing that she could do to reopen the account which turned out to be an outright lie because she further went on to say that the only way the account could be reopened was if i faxed and or snail mailed them correspondence from my Financial Institution stating that it was an error on their part i than received correspondence from Synchrony Bank dated XXXX/XXXX/2016 apologizing and that my account has been corrected and that I was a valued customer and they hoped that I continued to shop and or patronize them which I can not because my account remains closed this is in fact not the way you treat a " Valued Customer ''
Product: Checking or savings account

I contacted wells fargo in regards to my account being negative {$350.00}!! which was the same amount that was equal to the deposit i made, I spoke with a rep explained to her what happened and that the rep i previously spoke to filed a claim in error! i never requested a claim for the same amout of money I deposited!! I spoke to a rep on Monday XX/XX/year> she placed me on hold for a few minutes then came back and confirmed that it was a mistake on their end and that the account would return back positive within 10 businessdays!! I was very upset because this is causing alot of inconveiences for me due to my account that i use for everything all my bills etc. by being negative!! i cant do anything!! cant rent a car for my work trip, can't pay my new credit card funding deposit which i set up a scheduled payment for XX/XX/year>!! the rep transferred me to someone XXXX explained to the second rep on the phone the inconveience they are causing he simply apologized and told me he expedidted to the dept. who will correct my account and that it can take up to 10 business days before they correct my accont, The account has still not been corrected and im unable to take care of important obligations!! i need this fixed immediately! this is not my fault at all it was their mistake and this is wrong!! i need a car for work cant rent a car dueto my accountbeing negative!! please fix this immediately.
Product: Debt collection

I settled a debt with Truist on XX/XX/XXXX for {$890.00} and sent a signed settlement letter by email XX/XX/XXXX. I continued to receive debt collection notices from Truist. I called the the third party debt collection company multiple times after receiving multiple debt collection and asked them to acknowledge in their system that the debt was paid. There was no valid reason offered as to why this had not been completed other than the information was sent to a XXXX but nothing had been completed. Payment of the debt was not acknowledged in the system until around XXXX XXXX. I am now receiving another debt collection, dated XX/XX/XXXX, for the for same account for {$170.00} for unknown fees, which I believe are possible fees accumulated from the debt not being acknowledged as paid.
Product: Mortgage

On XX/XX/year> I closed on a mortgage refi loan. After reading everything and the amounts they were trying to charge me I decided to cancel the loan. I had a XXXX day window. I sent them the cancellation notice overnight mail they received on the XXXX and the XXXX. The deed was registered with XXXX XXXX courthouse. They had notice that I did not want the loan but deed it to the courthouse anyway. I am now working with another mortgage company and they need a letter stating that I have been released from this loan. I can not get Mortgage XXXX to send me an easy letter with their letterhead stating that I have Been released from this loan. It is causing problems for me to work with this other company because until they get a letter saying I have been released, they can not help me. The courthouse is showing that I have XXXX mortgages XXXX being Mortgage with a XXXX balance.
Product: Checking or savings account

In 2017 Wells Fargo Bank gave me overdraft fees back into my account at approximately XXXX after speaking to a account manager. The manager gave me the fees back and for some reason the funds didn't post immediately which they always did or either showed pending and no other fees would accrue. Well the fees cause a small transaction to cause another overdraft and I was charged fees until the account closed. The fees totaled XXXX XXXX and XXXX XXXX dollars. I attempted to resolve this with the bank numerous times which they refused to do. I am wanting the account resolved to a XXXX balance because It wasn't my fault that the item overdrafted.
Product: Credit reporting or other personal consumer reports

Identity Theft Report : On XX/XX/year>, I filed an identity theft report with the FTC, which identified the accounts in question ( tradelines XXXX  XXXX and XXXX ). 

Ongoing Collection and Reporting : Despite the identity theft report, these accounts were not promptly blocked or deleted from my consumer reports as required by the Fair Credit Reporting Act ( FCRA ). Instead, these entries remained on my consumer reports and I continued to receive collection attempts from multiple agencies, including XXXX XXXX, VELOCITY INVESTMENTS LLC, XXXX XXXX XXXX. These communications lack proper consent and are misleading and violate my rights under the FCRA and FDCPA. 

Violation of Privacy Rights : The unauthorized sharing of my personal information with third parties, including consumer reporting agencies, is a gross violation of my privacy rights. I did not authorize this, and any alleged consent is hereby revoked. 

False and Misleading Correspondence : The fact that I received correspondence from multiple agencies regarding the same alleged debt is both false and misleading, further exacerbating the damage to my credit profile and causing significant stress. 

Inaccurate reporting : The unauthorized reporting of this alleged debt on my consumer report is not only a violation of my privacy but also contains numerous inaccuracies that violate the FCRA. These inaccuracies, documented in the attached screenshots, are causing significant harm to my credit profile and financial well-being.
Product: Checking or savings account

I use the XXXX app which originally was linked to my PNCaccount. XXXX has made a change to their system and now my app cant connect to my bank account.
Product: Debt collection

The debt is with XXXX XXXX XXXX for {$1200.00} for an account that was opened on XXXX, account number ending in XXXX .The address XXXX XXXX XXXX has for the person who opened the account in my name is XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX .The social security number used to open this account matched my social security number. The Debt collection company is Radius Global Solutions case number XXXX, phone XXXX. I first learned of this debt on XXXX when I was trying to open a home equity line of credit, it showed up on my credit report.
Product: Credit card or prepaid card

My XX/XX/XXXX statement was paid in full as every credit card, including this one, ALWAYS are. The payment due did NOT reflect on the account so when the next statement came it was not accurate. I could see the electronic payment was posted when looking at my XXXX XXXX account but it was NOT showing up on the PayPal credit account online. As a result the next statement was inaccurate and included late fees and interest AND an inaccurate balance. 
XX/XX/XXXX 's statement was not correct despite a conversation with a CSR who had, at the time, removed the fee 's and interest BUT still had not applied the payment. This continues ( although now, all of a sudden, that payment from XX/XX/XXXX 's statement, applied in XX/XX/XXXX magically appears ). 
I have repeatedly requested a fee and interest fee final balance so I can pay it and move on but have NOT received a reply, in writing, that I requested. 
Additionally I requested that the account be closed BUT they continue to allow new purchases to apply so they have not closed the account. 
They do not respond in writing as requested and have taken no action. All this over what is well less than a {$50.00} " actual '' balance that is now over {$100.00} due to fee 's and interest being charged. Its unacceptable and I need your help to resolve this.
Product: Credit card or prepaid card

There is a fraudulent transaction on my account posted on XX/XX/2022 for XXXX XXXX XXXX CA amount of {$100.00}. I have spoke to the fraud department several times regarding the transaction. And yet, nothing has been solved and been going on for weeks. Transaction still appears on my credit card statement as of today, charging me something I did not authorize. I have considered filing a Police Report regarding this incident, labeling it as Identity Theft because this is where this case is leading up. 

This no doubt is fraud because this was something that happened without me being aware. I am frustrated and unhappy with the poor customer service I have received from Citibank regarding this incident.
Product: Checking or savings account

On XXXX XXXX XXXX XXXXXXXX capital One closed and denied me access to both savings and checking accounts : checking : XXXX saving ; XXXX. 
I was not able to fulfill all my payments or my future planned purchases on time, which caused me more difficulties in paying for rent, food, items for my family, even my new car lease end, or plan to buy a new car.

After long calls finally got them to agree to close my savings account, then later a week on the XXXX XXXX XXXX they sent me a notification account was closed.

still till today XX/XX/24 no check has been received by them. 

I have over XXXX in savings and XXXX in checking I wanted to send my savings but they denied me every time I made a phone call. now I have decided to sue them for financial damage with your help so I can build a case if they refuse to pay those XXXX dollars in damage.
Product: Credit reporting or other personal consumer reports

Bridgecrest has previously agreed to update status, from Charge Off per Credit Report upon completion of payments in full to close/paid status. however after my full payment Bridgecrest refused to update my account. I would also like to include, that the vehicle was repossessed immediately after I made a payment.
Product: Mortgage

AmeriSave Mortgage promised a 2.5 % 30-year fixed mortgage rate on a {$760000.00} loan with a closing fee of {$2700.00}. Their process went on for almost 5 months ( XXXX ) during which my closing fees increased first to {$5600.00} and then to {$9900.00} with no explanation other than, on the first hike, that they had made a mistake and did not factor a Home Equity Line of Credit ( HELOC ) subordination. This HELOC was clearly disclosed at the beginning of the loan process. I even pre-paid a {$300.00} fee on XX/XX/XXXX. I was promised this inflationary error would be corrected over and over again ; see first confirming XX/XX/XXXX email to XXXX XXXX. I was asked for additional documentation, over and over again with the same documents being requested two, sometimes three times. Each document request was promptly provided within a day. All the while the months were ticking off and I was losing $ XX/XX/mo in mortgage payment savings. At the end, they decided that a temporary drop of 10 % in business income justified their declining my loan, after 5 months of supplying them document after document, countless emails, phone calls ( many of which were never returned ). There are few businesses, if any, that enjoy a constant income stream ; business income routinely fluctuates sometimes much more than 10 % month to month. My credit score is XXXX. I have over {$4.00} XXXX in investments and {$500000.00} in liquid assets and close to {$2.00} XXXX equity in my home. So, arbitrarily deciding that a temporary 10 % drop in business income is grounds for my loan denial would appear disingenuous at best, fraudulent at worst. It is my opinion that they did not want to honor their original {$2700.00} closing commitment. AmeriSave has a history of bait-and-switch activity paying a {$19.00} XXXX fine in XXXX for just this type of activity. Nothing appears to have changed and, personally, I would avoid this company at all costs.
Product: Credit reporting

The account was mistakenly sent to XXXX for outside collection after we had a payment agreement with the original creditor. We called XXXX in XXXX XXXX to make the final payment but could n't until they had received the account in house. It was n't until XXXX XXXX that we could make the final payment which we did on XXXX XXXX, XXXX. At that point the account was paid in full, the issue was closed and nothing was ever supposed to report credit. Now a full year and 2 months later XX/XX/XXXX XXXX is incorrectly reporting an open collection on this same account that has already been paid. I have called them and there response is that they are not and have never reported this account to credit. They state that it is each of the credit bureaus that is reporting this not them. This issue has caused my fico score to drop XXXX points and has caused an extreme hardship for me and has damaged me financially. This is illegal and wrong and the account needs to be deleted from my credit report as soon as possible. All supporting documentation is attached for your review and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regards to the incorrect items on my credit report its been well over 30 days and I haven't received any investigation results.
Product: Credit card

I went for a time share presentation with Wyndham and submitted my information for a soft inquiry on timeshares. I decided not to purchase the time share and the next day I found out Wyndham used my information to open a credit card. I called Wyndham multiple times and they have not called back after numerous voicemails. I called Barclays to report this fraud and they did an investigation but never removed this account from my credit. Barclays still has the account open never closed it. Never sent me anything. Still waiting to hear from Wyndham and am now finding out they also opened up a mortgage account. Horrible experience. 

I understand Wyndham initiated the action, however they are the credit card issuer and I contacted them with 48hours of the alleged application. To not acknowledge the fraud. Keep the account open and never send account information to the user is very confusing and obnoxious. The fraudulent inquiry and account should be removed immediately. And they should reconsider their business partners.
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 : XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022.
Product: Checking or savings account

I used the bank for a long time, they let me open a personal checking account that I hardly use. During that time, I did not receive any statements, nor could I read it from online banking since it's not linked for some reason and I could not access online banking properly. I found out a fraud transaction on the account later when I have to go to another branch and go over all my transactions. At that time, I wasn't trying to use the account or the debit card since it won't go through at ATM, so I wrote the pin on the card. 

I lost cards, new XXXX XXXX cellphone, charger, adapter, clothes, bracelet, etc. around that time with a police report. I couldn't do anything with no access to get back to normal, missed out a lot of things, checked in hospital for an XXXX  still suffers pain on my hand and knee. 

The bank won't consider anything, but what they said is unreasonable, not to consider my complaints and just closes it. When I ask them to provide proof of who authorize it, they keep saying emailed me, but I didn't respond. They repeat the same thing with no documentary proof, recording or photo copy of anything, yet they could easily stop it by suspend the transaction. 

It's a horrible banking practice with such abusive, irresponsible, bad altitude to a long time customers. Hope the person who responded to last complaint not to mistreat customers with wording but with good faith and solid proof!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, months have gone by and I still havent received remedy for my complaint. I have been ignored and taken advantage for several months. Discover Bank has falsely and inaccurately reported a late payment to my credit reports on XXXX XXXX.When I asked the executive office to prove that they have permission to report anything and especially an experience between us to someone or another company ; XXXX XXXX of the executive office of customer advocacy then proceeds to send me an email with a member card agreement. I Have a screenshot attached of the email with the date stated by him. Discover Bank has violated my rights as a consumer put in place by the government in the FCRA. Pursuant to the law 15 USC 1681a 2Ai it states : Report containing information solely as to transactions or experiences between the consumer and the person making the report is to be excluded. Stated by Congress a person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency or any other entity. A late payment is a transaction between the consumer and the person ( corporation ) making the report. This company reports to the credit reporting agencies. Congress says the transaction and experiences between the consumer and the person making the report is not to be included in your consumer report.
Product: Mortgage

This is a direct response in reference to XXXX XXXX at Pennymac Loan Services in regards to complaint # XXXX filed through the CFPB. 

Your direct response stated that in order for escrows to be removed, " Specifically, the required LTV based on the original value must be less than XXXX XXXX and below XXXX XXXX based on current value if one or more of the borrowers XXXX  score is below XXXX. '' Check your records again. First off, both borrower 's XXXX score when the loan was originated with XXXX XXXX XXXXXXXX before it was sold to Pennymac Loan Services was XXXX, perhaps even XXXX, so I have no idea where you are getting your information. 

Additionally, I still do not see any published guidelines anywhere on specifically the requirements to remove impounds. 

I need my escrow account removed immediately. I am currently in the middle of pursing legal action and you will be hearing from my attorneys in the following weeks otherwise.
Product: Checking or savings account

My truck was stolen from in front of my house and all my things were in it phone, debit cards, credit cards, license etc. I was calling to close all my accounts and cards and noticed my Chase bank account had been compromised and someone was filtered out my money from Chase to my XXXX. All I can guess is that it's the bank debit card they had to get my money, since I have no debit card to my Chase account because they never sent it. I called disputes at Chase, told them what happened and seen on the federal commissar site to tell them it was reg-e dispute. They literally laughed at me and hung up. That was on XX/XX/XXXX and I have since had this claim denied three times with prove to them that everything I said was true. They also denied every claim after this as well. On XX/XX/1929, XXXX I had attempted to use the virtual atm and the only way to transfer money even to ATM is through XXXX. Somehow these transfer were given to my account at XXXX, but then XXXX says they rejected them and gave them back to chase, but no money has ever been given back. But online on my statement it says rejected returned to XXXX. Not one bank in over 30 days has issued me a provisional credit. Chase gave me a provisional credit for the first set of XXXX  payments that were fraud for the XXXX, but then two days later they took it back. It over drafted my account by that much and by this point I had lost additional XXXX through return reject from XXXX and Chase. They are not willing to do anything but continue to deny my claim that I gave them all the paperwork, saying that it should have been put back into my account. While my account was over drafted, I also lost my paycheck ( majority of it ) through Chase to cover the XXXX they took back with no right to do so. I asked them for the investigation they did. They would not send it to me but said someone hit the button saying they were sure they wanted to send it so I was responsible. It did not matter to them, it my phone was not in my possession at this time. I called XXXX about the payments to find out where they were returned and rejected payments back to, but their answer was nothing and closed my account on their own. To this day, I have yet to recover any of my funds back!
Product: Credit reporting, credit repair services, or other personal consumer reports

I approved XXXX mortgage lenders do pull my credit for a loan. Within 24 hours I now can not stop the phone calls to my new cell number from lenders who the credit bureaus have sold my info to. I went and opted out now but its too late. I has XXXX phone calls to my phone in XXXX hours. XXXX! My phone is still ringing all days from solicitors while I am trying to work. It is completely unacceptable they are allowed to sell my personal data without my consent. I should have had to OPT IN, not out. This has got to be stopped. I have no way to stop the harassment from marketers now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE AUTO FINAN XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, XXXX  and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX, and XXXX  are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late five times, and I was never 60 days late.