23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XXXX XXXX I used my XXXX prepaid XXXX card to pay a bill using the bill pay service XXXX offer on line with your account. I paid my bill in the amount of {$490.00} once I finished I call the merchants to let them know I just made a payment for {$490.00} I was told by the merchant that they no longer handle my account to get my money back. So I Immediately called XXXX customer service and spoke with a representative and explain what just happen that I just did a bill payment in the amount of {$490.00} that I was just told by the merchant they no longer handle my account, so I want the to stop the transaction get my money back. I was told by the representative that I would have to wait for the transaction to post to the account it XXXX take XXXX days once it post we will reverse the amount back to your account. So I check my account the {$490.00} posted on XXXX XXXX. It stated very clearly on my account that CREDIT-BILL PAY {$490.00} Funding Reversal. I was to by the representative that the {$490.00} would be back on my XXXX prepaid card. It was never put back on my card I had to order a new card which I never received. I file a dispute for my funds on XXXX XXXX. I was told that a investigation would be done in XXXX days if the investigation still going on I would receive a provisional credit on the new card on XX/XX/year> I dont receive the provisional credit on my card. So I call the refuse to give me my money back I even wrote a letter explaining the situation to them also I email to. When I call I keep getting the run around transferring to different departments nobody has help me. The Dispute number I was given on XX/XX/year> by a representative name XXXX give me this Claim number XXXX. Thanks.
Product: Debt collection

Received a notice from Innovative Recovery Inc stating they were trying to collect a debit from my previous landlord. Landlord took us to court for a false eviction as lease was up in XXXX XXXX. Left the property two days before lease completion. Court case was dismissed. 

I sent a Debit Validation Letter to the address provided by Innovative Recovery Inc, XX/XX/XXXX. Never received any written validation from the company in regards to the debit they are trying to collect. 

Company is stating they sent notices on XX/XX/XXXX and XX/XX/XXXX but no written notices have been received since XXXX, XXXX. I had to call the company on XX/XX/XXXX to asks for an email to send the court order showing case had been dismissed.
Product: Checking or savings account

On XX/XX/XXXX I noticed fraudulent charges on my Wells Fargo account so I called my bank to report over {$800.00} and charges to XXXX 's that I did not make. After filing the claim I went down to the police station and also filed a police report, my daughter had stolen my card information from my wallet without my permission and from XX/XX/XXXX to XX/XX/XXXX she made several transactions at XXXX 's adding up to over {$800.00}. I called my bank XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and today XX/XX/XXXX. I explained to them on each of these phone calls that I did not authorize these charges on my card and that I wanted my money back. I filed the dispute they closed it I filed another one and they closed it again saying that they would not reimburse me for these unauthorized charges on my account and that I would be responsible for them. I complied with each of the requests. I wrote out on a piece of paper I did not authorize these charges and sent it into them as they requested and it was still denied. I went into the bank on XX/XX/XXXX, XXXX and XX/XX/XXXX and spoke with the XXXX about my case and explained that my daughter had gotten into my purse and taken my card number and saved it into her wallet on her phone allowing her to make these transactions without my knowledge. After speaking with Wells Fargo today they told me that my claim was denied and that they would not be refunding me and the XXXX that I spoke to on the phone hung up on me after requesting to speak with his XXXX due to his improfessional manner. I did not authorize these charges they are charges and I need my money back I still have an open case with the police department being investigated.
Product: Checking or savings account

Mountain America has blocked all payments from entering my bank accont.. 

I have asked XXXX XXXX the manager of the branch in XXXX help, she told me to register with XXXX. That was her answer, shocking to me. She never looked into the account. And never assisted me with this significant problem. 

She is located at XXXX XXXX XXXX XXXX. in XXXX, ID XXXX. 

I have accrued GIANT PENALALITES AND FEES>> All incoming monies have been blocked, XXXX, XXXX and account payment transfers. 

They have given me the worst customer service EVER!! 

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

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. 
1 ) XXXX is reporting inaccurate information across all 3 BURAUS XXXX XXXX and Experian starting with late payment XX/XX/XXXX late and XX/XX/XXXX late on 2 but 3rd bureau ok never reported under investigation gap on XX/XX/XXXX and XX/XX/XXXX nothing in box date last active all different please remove whole account or show proof of late payment if not update account to ok /good standing asap correct or delete any inaccurate, incomplete, or unverifiable information within XXXX or 45 days of receiving notice of your dispute XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I did 2 instant transfer of money from my Cash App account to my XXXX debit card. 
- XX/XX/year> Transaction # 1 : {$150.00} ( there was a fee of {$2.00}, so the amount transferred to XXXX was {$140.00} ) - XX/XX/year> Transaction # 2 : {$5.00} ( there was a fee of {$0.00}, so the amount transferred to XXXX was {$4.00} ) XXXX rejected the transfers and state that since the transfer was declined, the money was never received by them and the funds should have been returned and refunded to Cash App. Cash App says, the transfers show that they were successful on their end and the money was delivered. I provided Cash App with proof that the money was rejected and refunded by XXXX, and they still close my case and do not issue a refund. I called XXXX customer support and they asked that I 3-way call Cash App so they can explain the money was never received and Cash App immediately ended the call when they were notified that XXXX was on the line. I have tried to open a case 2 times with Cash App and they decline every one.
Product: Checking or savings account

I had my employer deposit my paycheck for years XXXX I was a loyal customer up until they took my retirement money in XXXX XXXX of XXXX funds was always low my account was closed with XXXX dollars of retirement was missing not including the XXXX dollars over the years I had and was never paid back they just closed my account! When I called I never got an response and when I did they ask me why I waited so long!
Product: Bank account or service

I paid {$140.00} from my PNC Bank debit card for services at a hair salon. Long story short, I was not happy with the services and disputed the charge. The salon knew what they did and offered to pay me {$100.00} of it back. I accepted the offer and said they would mail me a check. When I did n't get the check after 8 days, I disputed the entire {$140.00} at the bank. They credited my account immediately, then determined later that I should not get my money back. I received a letter in the mail stating they were taking the funds back out of my account on Tuesday, XXXX XXXX. 

I called them to re-dispute it on Monday, XXXX XXXX. I was read a script to let me know that " I would have full use of the funds immediately '' until another determination was made. Instead of making the funds available, they took them out. 

The following day, my auto insurance was debited, over drawing my account. I was then charged a {$36.00} fee on XXXX. I made a complaint on Thursday, XXXX with the bank and received a call today, Saturday, XXXX from XXXX XXXX in the Escalations department. He said there was nothing they would do about the fee, and they were n't putting the {$140.00} back in my account. 

I 've had other frustrating experiences with PNC 's customer service in the past. I just have n't had anything legal or ethical to report until now. 

Also, I can not copy the full information from my bank account online. The system wo n't let me. I did however, copy the page and it does reload to see my acct information. Here is the link : file : XXXX The {$20.00} Final Dispute Credit on XXXX was {$20.00} that the ATM machine took from me on XXXX XXXX when I tried to deposit {$180.00}, but did n't get credited to my account until XXXX XXXX.
Product: Debt collection

I contacted Ocwen today regarding the conflicting status on the account and was placed on hold for a long period of time. I was later told that because we were working with our relationship manager that I had to call another number. The number provided was the number to the Office of the Ombudsman. This office took our information and placed my wife on hold later coming back and stated that we had to Contact XXXX XXXX because there was nothing they could do even after telling us the day before that there was not active sale, but today stating that there was a sale on Friday XXXX XXXX, 2016. When XXXX XXXX was contacted via email, counsel said that because 1 year ago, we had said that we were not interested in a modification, that modification chances were off and the sale would be held on XXXX XXXX, 2016. An email was sent back stating that we were interested in a modification. The attorney came back and said no to the opportunity for a modification and said that any future communication concerning the matter must be directed to him ( cutting off any contact to our relationship manager, Owen 's Office of the Ombudsman and Customer Care ), just XXXX day after the Relationship manager said that there was no sale pending and that modification assistance was available.
Product: Credit reporting or other personal consumer reports

Filed dispute after dispute to try to get account updated and corrected
Product: Checking or savings account

I lodged a complaint with the CFPB about a missing money order deposit with Bank of America on XX/XX/2021. The complaint ID is XXXX. I have been working with XXXX XXXX, a Resolution Specialist with the Regulatory Complaints Department at Bank of America. She is still working on my case. 

On XX/XX/XXXX, I tried to make a deposit into my Bank of America checking, but it didnt work. I called their customer service, and they informed me that my account was marked for closure on XX/XX/XXXX. As of today, XX/XX/XXXX, the account is closed and no longer shows in my online login. I still have two credit cards with Bank of America. The reason they gave me on the phone was simply that they didnt want to do business with me anymore. I have not received any notice from Bank of America of this decision either, they outright closed my account with no notice. 

I can only assume this is retaliation for my CFPB complaint, a complaint that remains unresolved as of today XX/XX/XXXX. 

I sent XXXX XXXX  an e-mail and left her a voicemail on XX/XX/XXXX, but I thought this required an additional CFPB complaint because I dont think this is legal. 

I am submitting another request to the CFPB to find out if this is even legal to do this, to close my account in clear retaliation for a CFPB complaint where Bank of America itself made a mistake and has not rectified it yet, and still owes me money.
Product: Credit reporting or other personal consumer reports

Someone is using my social security number to open XXXX accounts and trying to open lines of credit.
Product: Credit card or prepaid card

discover offer my, one year 0 interest with 2 % fee transfers, my bank XXXX XXXX offer my same offer, I decided transfer to my bank, my bank pay to discover {$5000.00} dollar for the total, but '' discover charge another {$5000.00} dollar, total {$10000.00}, after 2 month and many time to call all and they toll me they send a check to my home, that is 2 month ago, discover continuable lying to me and not send any check, they damage mi credit, my My score credit was XXXX, now for this problem is down to XXXX, discovery doing this action wend someone no continue used they credit card after the one year offer. I Ready speaking with a supervisor name : XXXX : phone : XXXX XXXX XXXX, same problem, lying to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  XXXX  Contact info XXXX XXXX XXXX XXXX XXXX, SD XXXX shows a inquiry on my credit report Inquiry XX/XX/2020 that should have been removed XXXX
Product: Mortgage

We are in the process of closing a chapter  XXXX  bankruptcy ( filed in  XX/XX/XXXX  ). During the period of the 5 years, we have ha d  3 m ort gage companies - we were with   XXXX   XXXX   XXXX  , and were in the process of a modification loan, and as soon as the bankruptcy was filed,  XXXX  took our loan back, and ignored the modification loan we were almost finished with. During the time of paying  XXXX , their bookkeeping was horrible, and kept saying were behind in our payments - even went to the bankruptcy court with it, and the court said that we were current. Then they switched us to Fay Servicing, with the note that we were 4 months behind in our payments, and they also had the wrong payment. Fay Servicing is our current Loan Servicing company, and even though we have showed them the last 6 years of payments ( which we have not missed one ), they keep insisting we are behind in our payments, and threaten with foreclosure.
Fay Servicing also went to the bankruptcy court saying we were behind, and the court said unless they showed proof we were still paying every month. No matter who we contact at Fay Servicing whether it is a representative, or their attorneys they still have no proof that we are behind. The information they received from   XXXX   was incorrect. As I stated we have showed them proof of 6 years of payments copy of the check, and the amount coming out of bank account. My bankruptcy attorney tried to help me, but his expertise is in bankruptcy, not mortgage problems. We need help with these people who keep harrassing us, before they decide to foreclose when we have n't missed any payments. We have been with Fay Servicing since  XX/XX/XXXX , and just get nowhere with them to correct the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Incorrect Name : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit card

Received a XXXX credit card today from Barclays / RCI that I didn't apply for. I tried to call several numbers that they had listed in an attempt to reach the fraud department but unfortunately since it was after XXXX XXXX  the company was closed. I will attempt to reach them again tomorrow to cancel this card and ask for a copy of the application with my " signature ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage company Carrington mortgage has reported me delinquent on 2 separate occasions despite being on Covid forbearance both times. This has severely and negatively affected my credit. Once reported the the me through a long cumbersome process despite it being their fault ( twice ). They also insist that I have to make a lump sum payments on the 2 payments that I misses during forbearance despite informing them that I want the payments added to the end of the loan as the CARES Allows. They refuse to do this. 

I need assistance in dealing with this unresponsive and unhelpful mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spring oaks capital llc who's original creditor was XXXX XXXX and XXXX XXXX XXXX reported accounts I never opened with them, I asked them to provide me with the original contract that stated I owe debt and signed for the debt but they never presented me with it I've tried disputing these items but nothing ever happened, I'm asking that you help me get these accounts removed immediately
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax about this issue multiple times and has not yet to be resolve. My social security number is attached and link to someone else 's Equifax report with the same first, last name, and different date of birth also middle initial. The report is not mine. What is reported on the account is not mine. Which is inaccurate. I have no relations with this individual and is not a my relative. My original Equifax, XXXX, and XXXX is not reporting the information that is on the other person 's report. Please help me get this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report from your company. I am emotionally distressed by the presence of these accounts, which have negatively impacted my credit score and have made it difficult for me to obtain credit. 

Firstly, I dispute the charge off account from XXXX  XXXX ( XXXX ) and the late payment account from XXXX  XXXX ( XXXX ). I believe that these accounts were not accurately reported and do not reflect my creditworthiness. Furthermore, I am requesting that these accounts be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Secondly, I dispute the charge off account from XXXX XXXX  XXXX ( XXXX ), the collection account from XXXX XXXX XXXX ( XXXX ), and the charge off account from XXXX ( XXXX ). I am unaware of these accounts and have not received any notification or correspondence regarding them. I am requesting that these accounts be investigated and removed from my credit report if they are found to be inaccurate or fraudulent. 

Thirdly, I dispute the charge off account from XXXX XXXX XXXX ( XXXX ), the late payment account from XXXX XXXX XXXX ), and the charge off account from XXXX ( XXXX ). I believe that these accounts were reported inaccurately and do not reflect my creditworthiness. I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 

Lastly, I dispute the charge off account from XXXX ( XXXX ), the late payment account from XXXX ( XXXX ), the charge off account from XXXX XXXX XXXX ( XXXX ), and the charge off account from XXXX XXXX ( XXXX XXXX. I believe that these accounts were reported inaccurately and I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 

I urge you to investigate these matters thoroughly and respond to me in writing with your findings. I am confident that these disputes can be resolved in a timely and fair manner in accordance with the law. 

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

I went to XXXX XXXX XXXX XXXX XXXX to purchase a truck the truck turned out to be a faulty truck and I let the bank know this and so they canceled the deal and I returned them their truck. This has been over a month ago since the account has been paid off and closed but its still showing on my credit report and I would like it removed ASAP.
Product: Debt collection

I fell behind in my payments due to me getting laid off at work I 'm willing to do my best to try and pay this off
Product: Checking or savings account

XXXX XXXX my spouse was victim of a XXXX scam through PNC online banking. I was t there when it happened but I called our bank immediately. They refused to reverse the charges- there were five separate XXXX transfers ( total of {$1000.00} ) out of our checking account. I changed the user name and password on the online banking account. I filed dispute the next day and on XX/XX/XXXX they denied the dispute. I went to the branch office today and they said it was denied because payment was made out of the same location. I argued there is no way we would authorize five XXXX amounts and perhaps the phone or online account was hacked. She agreed to file a complaint. I was then told theyre going to close our account! I called a number they gave me and she said all she can do is have someone call me Back regarding keeping our account open.
Product: Credit card or prepaid card

Company closed my account after I filed a complaint with this agency for discrimination. Company refused to notify priopr to clsing my account. Compnay took over XXXX from me and can not account for it. Company did this for filing the complaint and against the terms.Company alos took my SSA disability payment and rfused to release any of it to me. Company says I have an open account but refuses any deposits or withdrwals.
Product: Credit reporting or other personal consumer reports

There not sending the informatiom i need to prove that this debts or mine Placed for collection XX/XX/XXXX Bal {$1.00} Place for collection XX/XX/XXXX {$670.00} Place for charge off XX/XX/XXXX XXXX {$1.00}
Product: Student loan

On XX/XX/XXXX I submitted a request to have my qualifying payments towards Public Student Loan Forgiveness ( PSLF ) reviewed because FedLoan Servicing ( FedLoan ) incorrectly calculated my qualifying payments. FedLoan acknowledged receiving my request on XX/XX/XXXX, but I still have not received the results over six months later. I have contacted FedLoan Servicing on two occasions over the past six months and they stated the review was still ongoing and could not provide me an update. ( FedLoan Servicing Case # XXXX, Reference ID : XXXX ) I requested to have my qualifying payments reviewed because their system incorrectly states that payments from XX/XX/XXXX to XX/XX/XXXX are ineligible payments because I did not receive a bill for those months. I did not receive a bill because I am an XXXX XXXX servicemember and I filed a Department of Defense ( DOD ) Student Loan Repayment Program Forbearance request ( XXXX No. XXXX ) to receive credit for a lump sum payment from a DOD student loan repayment program. This lump sum payment was made on XX/XX/XXXX in the amount of {$16000.00}. Pursuant to 34 C.F.R. 685.219 ( c ) ( 2 ), this lump sum payment should result in me receiving credit for twelve 12 qualifying payments based on the monthly payment amount required under my repayment plan at the time. FedLoan has failed to accurately calculate the correct number of qualifying payments despite me making a request over six months ago.