23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Service by XXXX XXXX XXXX was provided on XX/XX/XXXX. 

New bill was provided by XXXX XXXX XXXX on XX/XX/XXXX. 

Payment was made to XXXX XXXX XXXX and receipt received the same XXXX, XX/XX/XXXX, matching the amount of {$100.00} and the account number later provided by debt collectors. 

H & R Accounts Inc called to collect the debt in XXXX XXXX, at which point I indicated that the payment had already been submitted directly to XXXX XXXX XXXX and that they needed to get updated records from XXXX XXXX XXXX. 

XX/XX/XXXX, XXXX PM, the same representative from H & R Accounts Inc called again for the same debt, claiming it had not been paid. I provided the information from my receipt, which matched the debt he was calling about ; however, he insisted their records state differently, and I requested again that they get updated records from their partner, XXXX XXXX XXXX. While trying to clarify what other information was needed and the next steps they would be taking, the representative hung up on me while I was asking questions. 

XX/XX/XXXX, XXXX PM, I immediately called back and reached another representative who confirmed my identity and repeated the debt they have according to their records. I again provided information from my XXXX XXXX XXXX receipt, all of which matched the debt in question. I pointed out to the representative that there appears to be a systemic issue with their record synchronization between H & R Accounts and XXXX XXXX XXXX and was told that they will request updated data from XXXX XXXX XXXX. 

I have lost XXXX minutes of time during my workdays dealing with H & R Accounts Inc 's false debt claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to positively verify the accounts and has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX  XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ), XXXX  XXXX  ( ORIGINAL CREDITOR ( XXXX XXXX XXXX )  , XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX )
Product: Credit card or prepaid card

On XX/XX/XXXX I had a negative balance on my credit card of {$2600.00} On this date I did an electronic transfer of this entire amount from this credit card to my checking account, both accounts of which are in the same banking institution. Also on XX/XX/XXXX my bank charged me {$130.00} for a " {$2600.00} cash advance. '' I called the company on XX/XX/XXXX to have the " cash advance '' fee removed as my credit card had a negative balance, and I wanted to move this balance to my checking account XXXX my primary account for paying bills, etc ). The company said they could not refund the fee as the terms for a " cash advance : '' were in the credit card terms. I spoke to two employees at the company and they both said I had to pay {$130.00} to transfer my negative balance on my credit card to my checking account.
Product: Debt collection

Northtown Capital Services Group contacted me in XXXX of XXXX. They informed me that I have a debt with a payday loan group called XXXXXXXX XXXX I had set up a payment plan with them and I forgot to electronically sign the payment plan. However, the next payday in XXXX, they charged my card for the payment plan that I had not signed. The company is now harassing my mother in order to get information about me. In XX/XX/2021, they called my mother 3 times, left voicemails, and when my mother called back, the representative from Northtown, XXXX XXXX, had given my mother information regarding my debt. This is completely unacceptable and against the law according to the Federal Trade Commission Act ( FTCA ) and the Federal Fair Debt Collection Practices Act ( FDCPA ).
Product: Checking or savings account

I have filed multiple complaints alleging multiple problems with Truist Bank ( formal SunTrust ) regarding : 1. {$700.00} unpaid promotional bonus ; 2. {$25000.00} unpaid Small Business PPP forgiveness loan ; 3. Unpaid several claims {$130.00} ; {$23.00} ; {$120.00} etc ; 4. Severe Violation of my Privacy {$25000.00} ; 5.Health damages $ XXXX for 4 years etc. On or about XX/XX/XXXX a Truist Client Resolution Specialist emailed me a complaint # XXXX regarding the above alleged problems. I have sent multiple responses to Truist Client Resolution Team member XXXX XXXX, branch member XXXX XXXX and branch team XXXX XXXX XXXX regarding immediate resolution and all related financial losses for 4 years including dropping alleged proof on XX/XX/XXXX to the XXXX XXXX branch window teller. According to the proof, I completed a promotional requirement for business checking to offer a {$200.00} bonus ( code : XXXX ) by depositing {$1500.00} accumulated within 30 days after account opening. As far as personal checking account {$500.00} bonus ( code : XXXX ) it was related to unfair employment practice by the federal government ( see court lawsuits ). I did present the promotion code and copies to the banker at the time of the new accounts opening on XX/XX/XXXX as terms and conditions. I pushed this matter from the end of XXXX XXXX XXXX otherwise I wouldn't open these two accounts in XXXX. On XX/XX/XXXX I also submitted a PayCheck Protection forgiveness application via Truist Business Online Portal before the due date XXXX XXXX XXXX  to claim {$25000.00} small business assistance. I sent both copies to XXXX XXXX branch on XXXX XXXX XXXX Further, according to the XXXX debit card agreement, consumers have 60 days to file a claim concerning multiple issues such as : defective product {$130.00} ; unacceptable services {$23.00} ; Overcharged bill {$120.00} etc. I have filed claims within 60 days and completed requested forms in a timely manner ; Damage customer credit in XX/XX/XXXX for reporting fraudulent information {$10000.00} plus fees to three credit bureaus as retaliation; Finally, Truist bank severely violated my privacy such as : failure to provide authentication code for login, failure to block unauthorized phone access ; banking related notary ; intentional vandalism and confuse issues ; treat customer in a hostile way by referring me from branch to XXXX XXXX XXXX XXXX ; XXXX XXXX  etc. From the end of XXXX XXXX XXXX this bank never assists me to achieve financial gain per my asking. Each issue has been denied and closed by Truist. I certify the subject statement is true and correct and based on my best personal acknowledgement.Please ask for evidence from XXXX XXXX XXXX submitted on XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX an auto payment was made. It sat in the account processing until XX/XX/XXXX, then it was returned ( I wasnt notified it was returned ), so I thought it went through. When I checked again on the XXXX and saw it didnt go through I immediately paid it. Afterwards I was charged interest for the days it sat processing in my account. I called customer service and they wouldnt do anything about it. It seems incredibly unethical to let the payment sit processing and then charge me interest without telling me it hadnt gone through on the XXXX. I have paid my bill in full every month for several years.
Product: Money transfer, virtual currency, or money service

I posted a guitar selling post on XXXX about two weeks ago. A buyer who claimed himself to be XXXX XXXX emailed me on XX/XX/2018, saying that he would buy it and asked if I would take cheque. I agreed. He then emailed me a XXXX tracking number saying that this contained the check, which his secretary mistakenly wrote {$1400.00}, instead of the {$200.00} I originally asked for for my guitar. He said that this was a mistake and asked me to send the difference ( {$1200.00} ) to his mover, XXXX XXXX, who will pick up the guitar. He also told me to send this money through XXXX, which was the office money transfer service of a bunch of banks such as my bank, Bank of America. I sent out the {$1200.00} after I cashed the {$1400.00} check on Tuesday, XX/XX/2018. The next day ( XX/XX/2018 ), I found out that the check was returned. So I lost {$1200.00}. The check that XXXX XXXX sent me originally has the company name of XXXX XXXX XXXX on it. 

I would also like to complain about Bank America for the following reasons : 1. Letting people use the check money before they are cleared. On the online banking on the BoA app, there is also no place that indicated that the check was not clear. It just says that the money is available. This is misleading as it does not mention any risk involved with a returned check. 
2. Letting XXXX transfer be a lot of U.S. banks ' money transferring service and claiming that it is " secure '' is totally wrong. XXXX transfer is not secure because it does not offer any protection at all, unlike credit card frauds. Instead, BoA should hold the XXXX Transfer in place for a few days until no party create a dispute.
Product: Bank account or service

When I was in college I moved around alot. My identity was stolen using cards and other information that came in the mail. I had opened an account with Suntrust and they sent my card to one of the old addresses. Someone tried to use my card and Suntrust then placed a fraud alert on my account. I contacted them and told them what happened and they would not remove it. They will not even send me a letter or anything telling me if I owe them or not. This is causing me a lot of pain and suffering. I have not been able to open an account anywhere! They will not even allow me to dispute it. I have went through XXXX XXXX XXXX and they are still no help.
Product: Mortgage

I applied for a mortgage loan with TD bank on XX/XX/XXXX ; since then, as a law abiding and disciplined individual, I have been submitting ALL the documents my loan officers, XXXX XXXX and XXXX XXXX, requested ASAP. In XXXX, I have sent them numerous emails with questions about an updated Closing Disclosure to reflect a reduced price for the house - NO RESPONSE ( they claim their service as " legendary '' ... ) Our lawyers and real estate agents have been discussing a prospective closing date for weeks, and the ladies have always been a part of these emails ( no response from them ). XXXX did let me know that the locked rate is expiring on XX/XX/XXXX, but did nothing to expedite a new Closing Disclosure document to reflect new numbers. 
I had to contact their supervisors, XXXX XXXX and XXXX XXXX, to ask for help and assistance. XXXX responded - she was excessively apologizing for her employee, XXXX XXXX, who neglected her duties. She assured me the rate would not change till XX/XX/XXXX. It took XXXX a couple of hours to update the Closing Disclosure ( CD ), and I signed a new one. We all finally agreed on XX/XX/XXXX ( today ) as the closing date. 
I was on my way to XXXX ( 2.5 hour drive from XXXX!!! ) when my lawyer called me to inform that TD bank people are not ready for the closing ... They did not finalize the paperwork or something like that. That is UNPROFESSIONAL, obnoxious, and so rude!!! They did not even call me to let me know of the " changes '' - and they have always been part of ALL my e-mails to the real estate agent/s and/or the lawyer/s. 
Everyone ( real estate agents, lawyers, myself ) got appalled by their " legendary '' service. If they plan to procrastinate in order to change the rate ( which is TD bank 's common practice ), it is not my fault and not my financial responsibility to pay for extension since XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX procrastinated with my mortgage. 
I ask for your help and assistance with my case. 
P. S. Eight years ago, I had an extremely painful experience with TD bank when I applied for a mortgage loan for my apartment in XXXX. At some point, I reached high rank TD officers in XXXX XXXX, NJ who helped me with the closing and financial issues created by unprofessional mortgage officers. I am so grateful for their assistance. I promised myself not to deal with TD bank in the future. Never say never ...
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report. These items are inaccurate and incomplete : XXXX, opening date XX/XX/XXXX, account number XXXX XXXX, opening date XX/XX/XXXX, account number XXXX XXXX XXXX, opening date XX/XX/XXXX, account number XXXXXXXX XXXX, opening date XX/XX/XXXX, account number XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ), opening date XX/XX/XXXX XXXX account number XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am requesting that you reinvestigate these items and provide verification of the source of the information you used to return a verified response to my initial complaint filed with the Consumer Financial Protection Bureau ( CFPB ). If you can not verify the source of your initial response, please delete all contested items from the credit report you maintain.

I believe that the credit reporting agencies failed to contact the Federal Trade Commission ( FTC ) to verify the underlying facts alleged in my identity theft affidavit, FTC reference number XXXX. This failure to verify the information demonstrates noncompliance with the FCRA. If you do not delete the disputed items, I will seek compensation for all credit denials attributable to these items due to your willful and negligent noncompliance with the FCRA. 

Enclosed are copies of my identity theft affidavit, the initial CFPB complaint, and any other supporting documentation. Please reinvestigate these matters and provide me with a written statement of the outcome. 

Thank you for your prompt attention to this matter. I expect a response within 30 days.
Product: Debt collection

Began receiving calls from Radius Global Solution -XXXX XXXX since XX/XX/XXXX. She has been calling me very day since then ( today is XX/XX/XXXX ). I requested multiple time that they mail me proof that I owe this debt and never have they sent me anything. I asked Ms. XXXX that I do not want them to call me and all communication must be in writing and I am still receiving calls. I can never understand what hospital she claims I owe money for. If I truly owe money to a hospital, they need to mail me proof. I do not owe any hospitals. I know that I don't as my current credit is excellent according to XXXX XXXX as of XX/XX/XXXX ( currently showing to be in the upper 700 's ).
Product: Checking or savings account

On XX/XX/2018 I went into Bank of America to open a checking account, due to having a new job that requires direct deposit. When I attempted to open the account, XXXX of Bank of America at the XXXX location, informed me that I could not open an account due to my social security number had been used to open an account already. The only other information she had provided me with was that the birthdate used for the account was a day off of my birthdate. I have never opened an account at this bank. I have only ever had an account with XXXX XXXX, and that account has been closed for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax 3 times via writing and certified mail about XXXX XXXX XXXX account being invalid. Equifax has refused to provide me with proof that this debt belongs to me which is a direct violation of the FCRA. The other 2 reporting agency have conducted accurate investigations and deleted the account from my credit file. Equifax continues report innacurately on my credit file.
Product: Debt collection

OK I DONT KNOW HOW THIS HAPPENS, BAD PEOPLE I GUESS. BUT ANYWAYS I SENT THIS PLACE A LAWFUL NOTICE THAT THE ACCOUNT IN QUESTION IS NOT MINE AND SO IT SHOULD NOT BE ON MY REPORT AND SO THEY SHOULD STOP CALLING ME
Product: Credit reporting or other personal consumer reports

navy federal shared my information to XXXX XXXX XXXX XXXX XXXX which is a non affiliate and dont have my consent and or written permission to do so.
Product: Vehicle loan or lease

Hello, I have had worst and bad experiences with Westlake Financials and the used car dealer worst companies ever, In XX/XX/XXXX of last year illegally they repo my car from a private parking, at XXXX XXXX XXXX XXXX where Local securities and police intercepted, and i have had the agent from Westlake on line informing the towing company to drop the vehicle but i was informed once hooked they will need to drive away by the police and the Westlake agent " a ripe off artist '' informed not to worry was an error car will return the same morning, but never did and ended up in a repo yard forced entry messing with private and personal belonging, damadged the car estimates close to 2500 , they did not allow me to pick up the car only after the weekend when i needed to pick up the car only following Monday with damages, i immediately informed the yard and the police before pick up, Police informed i need to file a small claims court which i did since the tow company damaged my car, i have brought to a repair shop and got myself an estimate, but lost for a fabricated or fraudulent document indicating that i have signed and received the car with no damages, the yard informed me to sue them they don't care, i lost the case Judge informing that it was an expensive lesson to learn, now since then i call to pay off the car they do not return my calls i have had a balance of XXXX XXXX the legal rep of westlake financial the biggest lier " XXXX XXXX '' i think ever i have seen promised that as soon as he returns to his office will adjust the pay off and remove the fees and authorize the payments to be collected, ever since they do not return my calls been 6 months until i have called 10 times in a single day, now they tell me it's XXXX with recurring interest, now they tell me they have charged off the vehicle in XX/XX/XXXX and massively damaged my credit report, i need your assistance to deal with these fraudulent act and rip off charges, I am not able to settle and cant get my Title, contacted DMV investigation no help, contacted others but no help each department informs to contact the other
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent XXXX update letters to all three credit bureaus to update my personal information, which is XXXX Experian, and XXXX. I've sent them XXXX different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history along with XXXX address, employer and phone number.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

My mortgage company includes my child support in my payment. I have explained multiple times, including sending documentation that I do not receive my child support but, only about three times a year. During this year since inflation hit I have been struggling to make my payments. I spoke with the company on XX/XX/2022 first thing in the morning speaking to representative XXXX along with XXXX XXXX who has been helping me with this situation. During that phone call, XXXX told us both that I had to have {$4000.00} before XX/XX/2022 to stop the foreclosure. I sent the amount on XX/XX/2022 and it cleared my bank on XX/XX/2022. I was never given a reinstatement letter, which I had no idea what it was until today when my payment was again returned. I called and spoke with XXXX who told me that XXXX on XX/XX/XXXX, gave me an incorrect amount and now I have to come up with {$6300.00} by XXXX XXXX They are charging me late fees even though I was given an incorrect amount. I am on the phone with them again with XXXX to get information on the reinstatement letter and modification paperwork. Now telling me by third representative that the amount XXXX, that the information given in the XXXX phone call was nowhere correct and it is documented nowhere in there system. I was on the phone for 1 hour and 4 minutes without reaching anyone who could help me. A second reinstatement amount was given for {$6100.00} that has to be received by XX/XX/2022, that I will not be able to come up with. It was openly admitted that I received totally incorrect information from their representative.
Product: Bank account or service

Approximately one year ago myself and my son both opened a savings and checking account with US Bank. I am a XXXX, and my son XXXX. 
In XXXX 2015 my son inadvertently deposited a check into my savings account without my knowledge for {$2200.00}. US Bank DID NOT place a hold on the check and my son withdrew all the money and spent it, again without my knowledge. On or around XXXX XXXX, 2015 the check was returned unpaid and stamped refer to maker and, the account was overdrawn over {$2000.00}. My social security benefits and pension check are automatically deposited into my checking account. When the check was returned unpaid I had {$700.00} in my checking account and US Bank transferred that money into the overdrawn savings account. I learned about this when I went into one of the branches to cash a check for cash. The teller told me that the savings account was joint with my son, and they had right of offset. I never added my son or authorized anyone to include him as a joint signer. That would make no sense as we both had our own accounts. 
On XX/XX/2015 when my social security benefits and pension were deposited into my checking account, US Bank would NOT let me withdrawal any funds until the overdrawn savings account was covered. 
I am almost XXXX years old a XXXX Veteran, a widower, and fighting XXXX. My social security and my pension are my only source of income and what I rely to live on. 
I feel I should NOT be responsible for something my Son created and, I had no knowledge of. 
I reaching out to CFPB because US Bank will still not let me have access to my money. 
I thank you in advance, and look forward to some assistance