23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, XXXX, I made a purchase in the amount of {$1700.00} from XXXX. In XXXX I received my products. In XXXX, I was contacted by XXXX 'Chargebacks ' department who informed me the payment was not made for my XXXX items, in the total of {$1700.00}. I was asked to provide bank statements, which I provided in XXXX, XXXX, and again in XXXX, XXXX. After initially sending in my bank statements via email, I was the target of harassing language and was hung up on by XXXX of the XXXX Chargebacks agents. I took my bank statements into my neighborhood XXXX and provided them to a management team member who called Chargebacks on my behalf and told them my bank statements legitimately showed I paid for my items. Later, a different agent contacted me and I was asked to initiate a three-way call with my bank, XXXX XXXX XXXX, which I did and at which point my bank confirmed the amount in question was charged to my account and the funds did transfer from my account to XXXX ( XXXX XXXX  ). At the end of this three-way call, the XXXX Chargebacks agent informed me that from what he determined, I was not at fault and the XXXX legal team would have to contact my bank directly since the problem was not mine. ( XXXX bank is who XXXX banks with ) Regardless of the agent 's statement to me, my 'debt ' was sent to a collection agency, National Service Bureau , Inc. ( NSBI ). During our initial phone conversation, the NSBI agent, XXXX XXXX, raised his voice, yelled at me that he was sending my account to collections due to my lack of cooperation, and hung up on me. I called back and was forced to apologize just so he would tell me why I was sent to collections. He told me it was my fault XXXX XXXX had not received their funds and it was my responsibility to prove the debt was paid. This was regardless of the fact that I had provided XXXX months of bank statements. I provided NSBI another copy of my bank statements showing the amount had been charged to my checking account as well as a letter from XXXX XXXX XXXX confirming the charge/transaction was completed on my end. Since XXXX, I have made multiple attempts to contact NSBI, with no response. I continue to receive letters in the mail stating the debt has been sent to collections. I do NOT owe this debt. I have paid for my items and request this harassment and erroneous debt collection stops.
Product: Checking or savings account

I opened my account with Bank of America, here after referred to as BOA with a {$100.00}. I spoke in length, approx 30-45 min because was very leery about the bank, that I am getting some large checks due to a settlement from my lawyer and want to make sure that they will clear within reasonable time. She told me it would be fine, walked me to the teller and printed out the holds and sates of release. If applicable, i have the printed receipt that i can enclose or forward to you. It was a type A Hold on {$4800.00} until XX/XX/XXXX and a type D Hold untilXX/XX/XXXX for $ XXXX+. That was agreeable because I was to get married on the XX/XX/XXXX and i could pay the caterers, the photogrpher, cake, reception place, etc, plus get ourselves an apartment because we just moved here into south carolina. When I contacted them, they now are holding my money until theXX/XX/XXXX, even though it was from my attorneys office. I cant pay anybody with promises, they demand to see money up front. i tried multiple times to have managers call the risk department and they wont budge. I even told them just give me $ XXXX {$800.00}, and my social security check with is still linked with the bank is more than that and they can hold against my ss check, but not to screw up my wedding, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$880.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX XXXX XXXX {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX  XXXX has done a hard inquiry without my concent or approval. I alredy have credit with XXXX  XXXX so there is no need to ask for new credit inquiry.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXXAccount Name : XXXX XXXXAccount Number : XXXX
Product: Consumer Loan

I traded in a truck, and the dealership delayed the payoff to Ally, therefore Ally, charged late fees and negatively reported to credit bureau.
Product: Credit reporting 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 USC 1681. Account name : XXXX card services XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Student loan

I received a backdated email from MOHELA on XXXX that my account was put into administrative forbearance, which I did not request -- email dated XXXX. The forbearance noted is from XXXX to XXXXXXXX 

I had scheduled my expected payment for XXXXXXXX which was posted and processed by MOHLEA, but my account remains in this administrative forbearance and the processed payment is not listed in my PSLF payment tracker. 

I called on XXXX and waited for 3 total hours on hold. The MOHELA rep I spoke with said the admin forbearance was applied to my account erroneously and that they would take me out of the forbearance. This was quoted to take 3-5 business days and that my account should update appropriately so I can make a XXXX payment that will count toward PSLF. My completed XXXX payment should also count toward PSLF, since it was successfully processed. I was disconnected from the rep at the end of our conversation and I didn't have any paper trail to confirm that the changes were actually noted in my account. 

I called back on XXXXXXXX  to confirm that the admin forbearance was truly removed from my account, since it was still noted that my account is in forbearance after several business days. I waited 2.5 hours on hold to speak with a rep. The rep confirmed that the request to remove the admin forbearance was noted on my account and that it could take up to 7 business days from the date of the request to display in my account. They encouraged me to call back by Thursday, XXXXXXXX  if the forbearance was still listed in my account. 

Today, XXXX my account is STILL listed in forbearance with the same end date of XXXX. I am currently waiting on hold to speak with another MOHELA rep ( 40 min in ) and I assume they're also going to give me different information.

I was successfully transferred to a SAVE plan from my previous REPAYE plan in XX/XX/. I was on REPAYE much ahead of the pandemic and do not want or need any recalculation of my payments. I am prepared to restart repayment and expect to make my payments as normal, but I can not due to this erroneous forbearance.

I did not have any active applications for recalculation or PSLF counts in process. My account should not have been placed into forbearance and now I'm suffering consequences of having money debited from my account while the payments are not counting toward forgiveness.
Product: Credit card or prepaid card

Account set up on auto deduction and paid on-time every month during the promotial deferred interest period. We moved on XX/XX/XXXX and didnt receive our statement to pay in full our account. We called on XX/XX/XXXX and updated our address, the company didnt advise me the promotional period ends on XX/XX/XXXX to avoid {$1800.00} being added to the account in deferred interest. Called company on XX/XX/XXXX, agent said we will get our statement in 7-10 business days. Again, the agent didnt advise me our 30 day window to avoid {$1800.00} would be added to our account on XX/XX/XXXX. Called on XX/XX/XXXX, received statement, found {$1800.00} was added to my account and my new balance was {$2500.00}. Spoke with XXXX and I explained the account should not have the added interest due to being set up on auto payment by the company to pay in full during the promotional period. She along with the help desk supervisor said we missed the date of XX/XX/XXXX by 9 days. Explained I moved and asked for the statement to be sent and would have paid in full if any agent on XX/XX/XXXX or XX/XX/XXXX would have provided me with this information since we had not received out statement. Spoke with supervisor XXXX ( XXXX ), and he also said there is nothing they can do to help me for this circumstance. Offered to just pay the remaining balance with XXXX and XXXX, both said they can not accept because we have passed the XX/XX/XXXX date. 30 days post XX/XX/XXXX. XXXX said the representatives are not trained to provide any information about the account unless asked specifically by the customer. Hence, the potential reason why the representative didnt inform me on the phone {$1800.00} would be added to my account on XX/XX/XXXX. ( Two calls : XX/XX/XXXX and XX/XX/XXXX )
Product: Payday loan, title loan, or personal loan

I have a personal loan through upgrade.com. I authorized my monthly payment to come out of my checking account on XX/XX/XXXX. My monthly payment is XXXX and I made a larger payment in XXXX of XXXX so my monthly payment was XXXX for XXXX. Upgrade took this monthly payment and then took an additional XXXX on the same day. When I called to get my money returned they refused to return my XXXX but the lesser XXXX that I authorized and would not refund the amount that they fraudulently stole from my account. I was told the money would be refunded in 2-4 days on XX/XX/XXXX. I spoke with a representative on XX/XX/XXXX when the money was not refunded and was lied to again and told that the funds were released and would be deposited on the XXXX. When I called on the XXXX after no refund is issued I was told the previous representative misspoke and the funds were released on the XXXX. Today is XX/XX/XXXX and now not only have I not gotten my XXXX refunded but my pending debits have overdrafted my accounts. I have tried to call the loan department and sat on hold for 2 hours with no answers. I just want my money back and the XXXX dollars I was charged in overdrafts to be refunded to me.
Product: Credit card or prepaid card

I checked my credit on credit karma and it said that I had a new inquiry. I havent tried to get an inquiry since I purchased my bed in XXXX. Credit karma says its syncb/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Total XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/year> Under the Fair Credit Reporting Act, a creditor must cooperate in resolving disputes and can be reported to the Federal Trade Commission for failure to comply.
Product: Credit reporting or other personal consumer reports

My identity was involved in a data breach Which has affected my credit report
Product: Checking or savings account

Subject : URGENT : Fraudulent Account Closure & Clearance to Open New Account Dear Chase Fraud Department, I am writing to demand the immediate closure of a fraudulent bank account that was opened in my name without my authorization. This is a clear case of identity theft, and I will not be held responsible for any transactions, balances, or fees associated with this account. 

I have already filed an identity theft report with the FTC I require the following actions without delay : Close and remove the fraudulent account from my record. 
Eliminate any negative balances or fees tied to this fraudulent account. 
Provide written confirmation stating that I have no liability for this account. 
Ensure that I am able to open a legitimate account with Chase without restrictions.

If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and take any legal action necessary to protect my financial standing.

I expect a response immediately confirming account closure and clearance for a new account. You may contact me at XXXX for further correspondence. 

Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

I recently tried to wire funds from my local bank to my son 's account at Bank of America. I obtained the proper routing number fro such wire transfers. For my son 's bank account number, I used the two digit state code ( followed by the rest of his account number ) which has been required whenever I deposit funds with a deposit slip into his account. I have done this numerous times. After several hours the wire transfer was rejected and Bank of America kept {$45.00} of my funds saying " unable to apply clarify credit account number {$45.00} fee deducted. After learning to use the account number without the two digit state code, my local bank deleted the two digit code keeping all other numbers and information the same, the transfer went through to my son 's account. Since I couldn't get BOA on the phone, I went to the local branch, and the manager could offer no explanation. She confirmed that I need the two digit code for depositing funds with a deposit slip. She then contacted someone in the wire transfer office of BOA, and after waiting about 20 minutes or more, who told her that it was a fee for rejection, and maybe my local bank would cover it for me. By the way, my local bank had told me that they had never seen such a charge. I certainly don't think the local bank should cover the fee- it wasn't its fault. I am not a customer of BOA, and I can't find any authorization for them to charge a fee for rejecting a wire transfer.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Cooling & Winter for committing identity theft. On XX/XX/2022 I checked my credit report and seen that a Charged-off was flagged on my credit report. I have never given COOLING & WINTER ANY permission to use any of my identifying information to commit fraud nor have I have done any business with them. I have never received any correspondence from COOLING & WINTER about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until COOLING & WINTER can provide me with sufficient documentary evidence, such as a trilateral contract that bears my signature, that I have any legal obligation to pay them. If this documentary evidence can not be produced and COOLING & WINTER continues its collection efforts, I will file for litigation for actual damages caused and COOLING & WINTER will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter to Transunion on XX/XX/22 and as of XX/XX/22 I still have not received a response.
Product: Checking or savings account

I opened my account on X/XX/17 with a {$200.00} promotion after making 2 DD > {$300.00} within 90 days. I have met the requirements by XXXX. 

I contacted BMO Harris on X/XX/17, which was 140+ days since opening the account, and received a reply the same day stating a bonus would be applied within 10 business days. It has now been 11 business days with no bonus or any further communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Wal-Mart Store Card on XX/XX/18 which is offered through Synchrony Bank out of XXXX FL. On XX/XX/18, I received an electronic letter informing me that my application was denied because of some key factors that adversely affected my credit score. 

My complaint is the credit score Synchrony Bank pulled on me is inaccurate. My credit score with the 3 credit bureau 's are higher than what Synchrony Bank has reported. Another key factor that adversely affected my score with Synchrony is " Too few open end accounts ''. This is inaccurate based on my credit scores listed with the credit bureaus. The bureau 's report the following open accounts which are in good standing and current ( i.e. Student loans, XXXX  XXXX Credit Card and XXXX Credit Card ). 

When I search the address for Synchrony Bank online, it doesn't give an address in Florida and I'm concerned that the address given for Synchrony Bank on the letter that is listed in XXXX Florida is incorrect. 

Synchrony Bank states that my credit is XXXX. The 3 credit bureau 's report my credit score 's over XXXX. Your assistance on resolving the big gap in scores is greatly appreciated!
Product: Credit card

I have a credit card with XXXX formerly XXXX And ShopNbc. I found out today that they said they closed my account because of non payment in six months, I told their Rep thats impossible because i have a print out not only from my bank but from their web site 's payment history which shows i 've made payments since XX/XX/XXXX to as recent as XX/XX/XXXX.The rep then said they never recivied it i said well there are comformation numbers with thoses payments.The Rep then said my account went to collections to a Co. called XXXX " I told the rep i never heard of them let alone recivied any letter 's or phone calls from them. After further probing i found out that XXXX has a misleadind and fraudulant practice of offering a payment plan on items the sell and charge the indivual consumer sperately but do n't inform them of this practice.As my monthly bill statement came in i paid it thinking the monies would go toward the bill.They ( The XXXX said it did not ) so i said had i known this i would not have accepted this or would have paid more to cover this hidden practice.I told the rep that this is a misleading practice as i never seen nor heard of such a thing as you pay but it goes to the princible only. i will seek legal action with the NEW YORK STATE ATTY GEN. As i tried to find someone to help me through their company i was given the ole consumer shuffle transfere here transfere there no solution in sight This is my last resort. Had i look online earlier i would have seen all the compliants about this company. See why the changed their name so often. Then the Rep said i owe for something i told him i never recivied. They also told me that because they closed my account that they erased all transactions? Sound very shifty to me glad i printed out my payment history from their web site.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviweing my XXXX credit score on XXXX, I found that on XX/XX/2018, a company under the name SYNCB/WALMRT, made an unauthorized inquiry on my credit report without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX ( original creditor ) XXXX Original Balance : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I ( original creditor ) XXXX Original Balance : XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance : XXXX XXXXXXXX  - XXXX XXXX  XXXX  Balance : XXXX XXXXXXXX XXXX  XXXX  Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX ( original creditor ) XXXX Balance : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX I ( original creditor ) XXXX Original Balance : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX original creditor ) XXXX Balance : XXXX  TXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX original creditor ) XXXX Original Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX automotive with XXXX, XXXX, and equifax. They have charged off my account in XXXX and again in XXXX causing my score to drop and keeping the account on my profile for an additional 7 years