23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I scheduled an online payment on chase.com in XXXX of XXXX and XXXX XXXX that was not completed due to a flaw with Chase computer system. As a result the monthly mortgage payment was not paid on time. Generating, a negative credit rating. Chase has a record of me logging in for the payment both times. The company is refusing to correct the problem. I was told by supervisor XXXX that my credit would be amended due to rise with online payment errors. I was even instructed not to use the online account and just call in payments as free option. XXXX felt this would provide confirmation for my payment to avoid anymore damage to my credit.
Product: Payday loan, title loan, or personal loan

I have a HELOC on my personal residence with Huntington Bank that I never use. Late last year someone went into one of their branches and made a withdrawal from the HELOC for approximately {$8700.00}. This was brought to my attention the same day by Huntington Bank. 

Shortly thereafter I was mailed an affidavit to complete verifying that it wasn't me who made the withdrawal. My account was closed and a new account opened. I brought the paperwork with me and a personal banker helped me complete the paperwork and left with the banker as instructed. This was done well within the time window requested. 

The day after dropping off the paperwork at their branch the fraudulent balance was transferred to my new account. I was only made aware of this last week when I got a text message asking me to call them. Upon calling the number provided they wanted to know why I hadn't been making interest payments on the balance. 

I tried emailing the email address I was given by the person who made me aware of the late payments, and emailing the fraud department. Responses from both told me to call their customer support line. I've spent a lot of time on hold and being transferred in circles calling their support line, trying to vain to get someone to help me clean this mess up. When I do get through to someone of authority they won't talk to me because I'm not an employee. I've left messages with the branch manager and he isn't returning my calls.

Please help I don't think I should be responsible for fraud. Not sure if the missed interest payments have started to negatively affected my excellent credit score yet.
Product: Checking or savings account

My brother and I went to m & t bank in XXXX NY. With a promotional ad for XXXX sign up bonus to open choice checking account. So we both opened accounts. Well, 90 days and well over 4,000.00 worth of deposits between the two accounts. We are told the wrong promo code was entered. Between secure email. And phone calls finally get told wrong promo code was entered. And person is unavailable. Have called corporate customer service. That's how I found out about the wrong promo code. Still no resolve.
Product: Debt collection

I received a phone call from LVNV threatening to sue me if I did not pay this debt.
Product: Mortgage

I have a line of credit on my home equity which has not been used since XXXX and the balance is XXXX since then. I am currently refinancing my house, On XX/XX/XXXX I called the bank and requested to close my account and they gave me a confirmation number XXXX and the representative told me that in one or week the account would be closed. More than a week passed and the account was still active and I called the bank again ( each call has a waiting time of more than 90 minutes ), I asked why my account was still active and they told me there was a internal miscommunication and they transferred me to a supervisor who apologized for the delay, she indicated that they expedited my process and it would not take more than 4-5 business days to close the account. A week passed after talking with the supervisor and the account is still active and I called again and spoke with a representative who escalated my case to a manager who called me on Friday, XX/XX/XXXX, apologizing and offered me that the account would be closed for the day XX/XX/XXXX. Today is XX/XX/XXXX, more than four weeks have passed since I requested to close the credit line account and I called the bank and none answers the phone, the waiting times are more than 90 minutes. Currently I am affected by this delay and that the refinancing process is waiting to close this line of credit with the Bank of America and that affects me economically and I am already tired of calling and claiming with 90-minute waits on the phone.
Product: Credit card or prepaid card

I obtained the XXXX card because they allowed your rewards to be used to buy Crypto, then they said I needed to enable the feature on the app and submit documents to verify my ID- I did that - they asked that I wait 2-3 business days. I waited 5, XXXX  then escalated the issue and asked that I wait 10 business days - I did that. Now they say that they don't know why the feature is not working and there is nothing they can do about it. Now, I asked them to close the account and they are giving me the run around saying I need to contact a third-party bank?! 

I want the account closed and I intend to sue in small claims.
Product: Credit reporting or other personal consumer reports

CREDIT ACCEPTANCE CORPOR is the accoun {$28000.00} Original balance {$19000.00} that XXXX EQUIFAX AND XXXX are violating my rights It it's illegal to report transaction history according to the Privacy Act of 1974 an the fair credit report act 15 USC 1681 they did not have my consent to report.

this account is reporting inaccurate within all three bureaus 15 USC 1681 IT IS ALSO ILLEGAL TO REPORT TRANSACTION HISTORY AND ALL THREE Reporting agency are doing so this account with credit acceptance needs to be shown paid as agreed since it is illegal to report transaction history this is my person information nonpublic personal information. 
( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such a term does not include publicly available information, as such a term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. 
THESE COMPANIES ARE IN VIOLATIONS OF MY RIGHTS EVERY TIME THEY FURNISH A TRANSACTION REPORT
Product: Money transfer, virtual currency, or money service

On or about the XXXX of XX/XX/2023 I followed the procedures using my Crypto App and my XXXX wallet to deposit {$10000.00} of the {$11000.00} USD by wire transfer back to my checking account. A message came up that my funds were blocked. 
on the XXXX of XX/XX/2023 and again on the XXXX of XXXX of 2023 I contacted the help center for Crypto .com and requested assistance in getting my account closed and the funds in my Crypto Account ( {$170.00} USD ) and my Trust Wallet ( $ XXXX sent to me by check to my XXXX address. They are required to do so according to the Terms and Conditions of using Crypto.com. I received info back from XXXX and XXXX XXXX how to get tyhe funds returned. I followed the instructions on the XXXX and wass told it would take from 3 to 5 business days for the transaction to be complete. Nothing happened, so I tried again on the XXXX. Again, I waited until the XXXX and contacted Crypto.com requesting a check for my funds. This time to a XXXX from the help center replied to me. I sent him sa screenshot of my account funds being blocked for sending them back to me. 
On the XXXX of XXXX I again contacted the help center and got an email back from XXXX and XXXX thanking me for reaching out to them and that they were working on my request. as of today, I have heard nothing.
Product: Mortgage

On XX/XX/XXXX I was approved for HAF with XXXX  months of forward payments. From XX/XX/XXXX through today and going forward I have been reaching out to XXXX and PennyMac to see if funds have been paid. On XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, I emailed XXXX and to date, none of those emails have been responded to. I've sent PennyMac my award letter on XXXX and on XX/XX/XXXX, I received a response saying that to date they have not received any funds from HAF or XXXX and that if payment is not received by the XXXX day of XXXX, a late fee will be added to my account. In order to avoid late fees and negative reports on my credit, I made the payment on XX/XX/XXXX. On the morning of XX/XX/XXXX, I called HAF customer service who advised me that a paper check was sent out on XXXX to all services I was approved for On XX/XX/XXXX, I called PennyMac and spoke to a woman in the HAFXXXX  loss mitigation department who told me that as of XX/XX/XXXX they have received no correspondence or payment from HAF or XXXX XXXX As of today, XX/XX/XXXX, all other approved utilities has been paid by HAF  and my mortgage is the only thing left unpaid.
Product: Vehicle loan or lease

Exeter Finance XXXX XXXX XXXX XXXX TX XXXX I have had this XXXX  removed from my credit reports legally through the administrative process however, this company has re-opened an account on my XXXX report claiming I am Past Due {$17000.00} on a car I actually have the pink slip for. I have also not received a 1099 C from aforementioned company which alludes to tax fraud. The payment history is non existent and the information is inaccurate.
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. XX/XX/ , 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 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: Debt collection

I got several payday loans approximately 15 years ago and all were repaid now another company is trying to collect fraudulently.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention my ongoing dissatisfaction with the handling of fraudulent items on my credit file. Despite multiple attempts on my part to rectify the situation, the fraudulent items persist, and I find the repeated lack of resolution to be unacceptable. 

Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. 

Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. 

If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. 

Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. 

Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. 

Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. 

I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

the bank recently close my account for no reason and they refuse to return my money. 
i called them several times but they not give me any response
Product: Credit reporting

there are inaccuracies in my credit report and transunion euqifax and experian refuses to dispute them any further
Product: Credit reporting, credit repair services, or other personal consumer reports

Brandsource Citi/CBNA appears on my credit report showing that an amount is due and owing of $ 4700+ yet no one, via any number, at XXXX XXXX Brandsource, or any other such company is able to find any such account nor receive any form of payment to rectify this negative account on my credit report. I have disputed this account twice and each time the same information is upheld. On the second dispute XXXX  simply used the same information from the previous dispute and never reattempted a resolution.
Product: Debt collection

I got a XXXX XXXX in XXXX of 2017 and paid for the whole thing in cash after which I moved to XXXX. I clearly stated to them that I am paying them off so I don't see any collection bills and yet they keep sending it to the collections. I know for a fact that I don't owe them anything and yet they are torturing my life Original Creditor : XXXX XXXX, XXXX, NC Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX Collection company harassing me is RHODES, KELLY & ASSO XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Amount : {$1500.00}
Product: Debt collection

ACCOUNT CONTROL TECH Report to my credit on XX/XX/2021 in the amount of {$2700.00} with Voluntarily Surrendered license in the state of TN! I would like for this debt collector to delete this account off my credit
Product: Checking or savings account

In XXXX XXXX XXXX I received an unexpected notice from Wells Fargo that both my checking and savings accounts would be closed due to ATM transactions. I never use an ATM and did not have significant transactions of that nature on my account history. I went into the nearest banking branch, which was in XXXX, CO. While there I inquired about this and the bankers could not articulate a concrete answer as to why my accounts would be closed or point to any particular transactions that were of concern. In response to this, a consistent history of disregard for me as a customer over the years and a failure to abide by laws I had witnessed in other occurrences as a minor, I decided to withdraw all my funds that day. Wells Fargo had placed a deadline for me to withdraw all my funds or they told me that they would mail me a check with fees attached to that. I never received any communication as to why both my checking and savings accounts were shut down randomly.
Product: Debt collection

My name is XXXX XXXX, XXXX XX/XX/XXXX last XXXX SS # XXXX. My discover account went past due in XXXX as my husband past away from XXXX ; he was the primary source of income. Followed by him, my daughter past away from XXXX. 
XXXX agreed to settle my account at 60 % of the balance which was around {$3400.00}. I called into XXXX to make my payment in XXXX of XXXX and was told no more payments were needed and the account was settled. 
FDCPA Violation I head nothing from XXXX since XX/XX/XXXX when they took my last payment and said my account was setteleted in full. In XX/XX/XXXX I receive a letter from the Law Firm XXXX, XXXX XXXX XXXX who re acting as the collection agency for the debt. They sent me no Notice of debt to validate as required by XXXX. 
XXXX is stating I owe over {$6600.00}!!!!!! I called XXXX XXXX times asking for proof of my settlement agreement and all payments made. Furthermore, I asked for proof of what the account balance was in XX/XX/XXXX based on the terms of the Settlement agreement! XXXX REFUSED TO GIVE ME ANY OF THIS INFRMATION!!! Rather they transferred my call to the law firm XXXX the collection agency. 
The week of XX/XX/XXXX, I received a packet of random billing statements from XXXX. This is not what I asked for. I specifically asked for the settlement agreement and what the supposed balance was as of XX/XX/XXXX when I was told the account was settled. 
Additionally, I received a letter from stating my claim was deemed Invalid ; Also wrong!!! Now this Law Firm is operating under Unfair, Abusive, Deceptive, Acts and Practices ( UDAAP )! 
To recap XXXX either wrongfully told me my account was settled and it was not ; if that is the case, there would had been a vey small balance ( if any ). 
OR The account was settled and was wrongfully charged off and XXXX, XXXX XXXX XXXX is in violation of XXXX and FDCPA XXXX Notice for validation of debts. 

Good morning, XXXX! I hope your day is going well! I have applied for your open position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; I would like to inquire if you would consider a remote employee before having my first round with the recruiter. 
I Specifically asked XXXX, XXXX XXXX XXXX, if there was an error on part of XXXX telling me the account was settled and it was not, let me pick u an pay whatever balance there was per the terms of the settlement agreement on in XXXX XXXX. 

I am a single mother of XXXX boys who has over come the XXXX OF THE WORST THROUGH COVID! I LOST MY HUSBAND TO XXXX!!! They are threatening to garnish my wage! 
I told them I am in the process of buying a hoe for my boys and I! I will lose them, MY JOB and everything if my wages are garnished!! 
XXXX AND XXXX, XXXX XXXX XXXX ARE CLEAR CUT EXAMPLES OF OPPERTAING IN A UDAPP FASHION!
Product: Debt collection

PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX Iam an upstanding citizen of U.S.A., Iam being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day ACCOUNT NAME : DISCOVER BANK ACCOUNT XXXX Balance {$3000.00} The current amount owed on the account. 
Balance updated XX/XX/XXXX Open/closed Indicates the date an account was opened. 
XX/XX/XXXX Account type credit card Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Status updated Date the creditor last reported information about the account payment status. 
XX/XX/XXXX The balance currently reported as past-due by the company holding the account. 
{$3000.00} Highest balance The highest amount that you have owed on an account to date. 
{$3000.00} Monthly payment Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE TWO LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE XXXX  ACCURATE AND IF AN INVESTIGATION IS DONE THAT CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED THANK YOU
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment by phone of $ XXXXto Santander Bank Sphere credit card. Then, on XX/XX/XXXX I called and spoke to a representative to pay total balance amount due. The representative gave me the figure of {$4900.00}. I had the balance debited from my checking account and felt assured that the credit card was paid in full. 

When checking statements on line with assistance from my son, we discovered that my account had been charged a {$35.00} late fee ( refunded after spending dozens of hours ( 27 hours ) on the  phone trying to get help ). We were transferred more than dozens of times and while being transferred were disconnected many times. We asked representatives to take my cell phone number so the rep could call us back if we were disconnected again, the call quality was horrible on most of the calls. We couldn't hear them or they us. We were told that the rep could not able to call us back, some wouldn't transfer a call to management. We had conversations that were not transmitting clearly and asked for a return call which was also refused. On XX/XX/XXXX, the day after I paid the balance on the phone, there was a fees and interest charge on my on line statement of {$86.00}. 

After having to call to the HQ location in XXXX, Since the toll-free number was unavailable for the most part. And as mentioned, if we could get through to the number it was a terrible connection and no one could help you. Even after speaking to headquarters in XXXX, those calls were transferred back to the call center and more of the same occurred. Then decided, to call branches in XXXX XXXX. After speaking to a branch on XXXX XXXX in XXXX escalated the concern and ask for help. The representative who we spoke to was new at the branch and didn't have a branch manager available. After some time she was able to locate a branch manager and other branches. Those two branch managers on XXXX XXXX in XXXX and a location in XXXX XXXX reached out to their executive leadership to ask for help. At the same time finally someone from the call center returned a phone call to my son 's phone. After more than 30 hours of phone calls we finally had a refund to the egregious fees placed on the account for no reason. There was no reason for most of this to occur. Santander 's customer service is lackluster at best. We understand that changes happened during the crisis were under and that some of their staff couldn't work from their office location and working from home for the first time. However, Santander should have been ready for this eventuality and was not. We paid the price for their incompetence.