23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened a XXXX 's credit card account on XX/XX/XXXX for the purchase of a mattress. 
On XX/XX/XXXX, I had not yet received a statement or physical credit card in the mail. XXXX 's does not allow online management of your credit account without inputting the credit card number online. Without the card, I was unable to do this. 
On XX/XX/XXXX I called XXXX 's and made a {$250.00} payment and informed them that I had not yet received the card. I was told that day that a new card would be issued. 
On XX/XX/XXXX I received a letter reflecting that they company had wrongly applied the recent payment to the wrong account. That letter references an account number ending in XXXX. 
The following day I received a statement in the mail from XXXX 's that shows an account number ending in XXXX, and that does not reflect the payment. 
On XX/XX/XXXX I called XXXX XXXX credit services. I was told that they have record of the {$250.00} payment and that no payment is due at this time. I re-stated the fact that I am unable to manage my account online because I still have not received the physical credit card in the mail. I was told that the credit cards are delayed because of bad weather in XXXX. 
My problems to be resolved are as follows : 1 ) The account has been open for nearly 2 full months and I have yet to receive the credit card.

2 ) I do not know what my appropriate account number is.

3 ) I am unable to manage the account online and ensure that payments are being applied appropriately, as the online account requires the input of the credit card information, which I have not received.

4 ) I do not have any written evidence provided from XXXX 's reflecting the {$250.00} payment that was made on XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/XXXX USAA Reports UNTRUTHFUL INFORMATION TO AUTHORITIES. NO RESPECT. USAA Reported to CFPB that I reported FRAUD XX/XX/XXXX XXXX {$230.00} see attatched USAA statement XX/XX/XXXX. CLEARLY the {$230.00} is part of the whole amount reported FRAUD XX/XX/XXXX. USAA CAN NOT GET THIS TRUTH. Statement XX/XX/XXXX shows. NO TEMP CREDITS USAA Policy of temp credits to BEGIN FRAUD INVESTIGATION ** THEY DO NOT APPEAR THEY DID NOT HAPPEN AS USAA CLAIMS and Neither do the {$470.00} temp credits appear. The FRAUD CLAIM DATE XX/XX/XXXX Can Not be TRUTH as THERE ARE NO TEMP CREDITS hello ( ** TO MAKE PERMANET. ) USAA LIES ABOUT LYING HIDES TRUTH INTERNAL. TEMP FRAUD CREDITS MADE PERMANET NOT SHOWN ON STATEMENT. Kindly Note the XXXX transaction posted the same day I reported it ( ** FRAUD CAN NOT BE TRUE. XX/XX/XXXX IS THE DATE OF THE PURCHASE PUT ON THE ACCOUNT. {$230.00} XXXX you can view it on attatched statement USAA. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a GM Financial account with XXXX. The dispute was submitted on XX/XX/XXXX. I disputed the accuracy of the balance, payment history and late payments. 
GM Financial removed the monthly payment amount from the report which was {$580.00}. Reporting a balance of {$27000.00} original balance of {$28000.00}. They are reporting payments both on-time and ( late ) from XXXX to XXXX of XXXX which is also wrong but with monthly payments of {$580.00} how could the balance be {$27000.00}. No one at GM financial or XXXX seems to be able to solve this math problem for me.
Product: Checking or savings account

XX/XX/XXXX I went to transfer money from my account into another one of my accounts. I was told there was an error and I needed to call a XXXX number. I did. I was told my account was being moved to a forced closed status but there were no notes to indicate why. I had a bank manager call and the bank representative told the bank manager the same exact information I was told. The Bank manager asked for further information or details but was told that no additional information is available and that the department in charge of closing the account and releasing the funds is a no content department and can not be called or spoken with. The Bank has thousands of dollars of my money. No explanation or time line has been given and the bank refuses to give any information.
Product: Mortgage

Dear Sr. or Madam, My name is XXXX XXXX .My loan was with XXXX XXXX XXXX . I try to modify my loan while with XXXX XXXX XXXX and they denied me because I do n't live in the property. I lived in this property ever sense I bought it. Loan was transferred to Seterus account # XXXX. Property location is at XXXX XXXX XXXX XXXX XXXX Ca XXXX. When my loan was transferd to Seterus they paid my taxes on XXXX/XXXX/15 in the amount of {$4200.00} when my payment was already in and on time. I paid according to Seterus {$870.00} of late fees for taxes being send late.. I do n't understand why I 'm paying late fees for. I was sending so much money to this account for taxes and they would put it in suspense. I tack to supervisor and I get their promise that they well put my money where they suppose to. 
There were XXXX occasions that they told me that they taken money of {$240.00} from escrow account to satisfied to late fees. All late fees have bean removed and now I do n't know what happen to that money .All the money I was sending was deposited as a suspense deposit. I was calling them so many times an order to be told that they ca n't reverse the transactions done before. I need all suspense money that was applied to principal to be moved to pay taxes and balance to be send back to me. I want to know what happened to money that they were taking out from escrow to pay late fees. After that late fees were removed from my account where the XXXX x2 went to.They told me that they paid my house insurance. I called insurance company in order to be told that they did n't get money from escrow account. I called Seterus to ask what happened to my money they said : '' We paid for the the balance of your taxes. I have no idea what they are doing. Please help me clear this mess with them so I can have my life back. This is taking so much of my time. Your help would be greatly appreciatedSincerelyXXXX XXXX XXXX XXXX XXXX Ca XXXXPlease fine enclosed transaction history : exibit # XXXX transaction history
Product: Debt collection

XX/XX/year> Hello, This is a complaint and dispute request under the U.S. Code ( 15 USC 6802, 15 USC 1681 B, 15 USC 1692 and 18 USC 1028 ) and the Federal Education Rights and Privacy Act. Violations were found in regard to all the accounts listed above. XXXX XXXX XXXX did not consent to, was not asked for permission, or sent a disclosure for permission to access and report XXXX XXXX XXXX credit information from any of the above listed credit accounts in this document to any third party, credit reporting businesses, bureaus, or agencies. Failure to provide proper disclosure is a violation of institution privacy policy, as all businesses and financial institutions must provide clear and conspicuous disclosure to the consumer either in writing or by electronic communication ( 15 USC 6802 and 15 USC 6803 ). These violations can be found with all the credit accounts mentioned within this document and are a breach of consumer rights due to the reporting of the consumers information without permission and lack of fair and accurate reporting using reasonable procedures ( 15 USC 1681, 18 USC 1028 ). In addition to these violations, all accounts reported from XXXX XXXX XXXX XXXX XXXX XXXX, Accounts ending in XXXX ) are being disputed for the breaches listed above as well as a breach of information pursuant to the Federal Education Rights and Privacy Act. Due to the removal of the Department of Education, XXXX XXXX personal information was compromised without authorization. Information regarding the student loan accounts associated with XXXX XXXX XXXX were reported to a third-party vendor without authorization. XXXX XXXX XXXX did not provide any permission for the transfer of debt to a third party, nor the reporting of information related to any debt, which occurred with the accounts related to XXXX  XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, where XXXX XXXX XXXX information was also reported to and/or transferred to a third party/collection agency without authorization/consent ( 15 USC 1692 ).

It is requested that all credit reports associated with the listed accounts be removed due to the compromise and/ or sharing of information without authorization or providing proper disclosure to the consumer. No information regarding XXXX XXXX XXXX was or is authorized to be transferred to a third party without permission. This document can be considered written instruction that the listed credit accounts be removed from XXXX XXXX XXXX credit report due to the breaches described. 

Thank you for your time and consideration of this dispute/request. 

XXXX XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX TN, XXXX Fax Number XXXX ( XXXX ) XXXX Email : XXXX XXXX
Product: Mortgage

I refinanced my Fifth Third bank loan with XXXX XXXX. A pay off check was sent from XXXX XXXX XXXX XXXX ( via XXXX ) to Fifth Third bank on XX/XX/2023. That check was received at Fifth Third bank on XX/XX/2023 and signed for by XXXX XXXX ( an employee of Fifth Third ). XXXX records indicate that XXXX XXXX signed for the check at XXXX XXXX. 

After several days passed and the check was not processed ; XXXX XXXX contacted Fifth Third and was told that they were not able to locate the check. The XXXX XXXX agent was instructed to stop payment on that check and to resubmit a new payment. XXXX XXXX sent a second check to Fifth Third ( via XXXX ) on XX/XX/2023 and it was received at Fifth Third on XX/XX/2023 at XXXX XXXX.. Again the second check was received and signed for by XXXX XXXX XXXX 

I contacted XXXX XXXX on XX/XX/2023 to get an update on the closing of the Fifth Third account. The XXXX XXXX agent told me that he was told that the second check was received in the proper Fifth Third office on XX/XX/2023. 

After receiving this information I contacted Fifth Third. I was told by Fifth Third that I was being charged additional interest on the loan because their records did not show that a payoff check was received until XX/XX/2023. 

I filed a complaint with Fifth Third because I am being charged additional interest because the account was not closed on XX/XX/2023. Fifth Third received a check for {$250000.00}. The payoff amount on XX/XX/2023 was {$250000.00}. Fifth Third refuses to take responsibility for misplacing the initial check that was sent and received by them in XXXX. The difference between the amount of interest I'm being charged and what Fifth Third says I owed ( because they misplaced my check ) is {$1900.00} I was told on XX/XX/XXXX, by Fifth Third, that my complaint was being denied because there was no way for them to verify receipt of the first check " matter closed '' .The reason XXXX XXXX XXXX the payoff check to Fifth Third by mail is because they were not given an option to wire the payment to Fifth Third. I was told by Fifth Third, before any payment was sent, that all excess funds would be returned to me.
Product: Debt collection

I am in a debt settlement program that negotiates lower amounts with creditors to settle the debt owed. XXXX of my debts is with Discover Bank. The debt settlement company had been trying to negotiate a settlement with Discover, when I was served with papers that I had been sued and had to appear at the Magistrates office on XX/XX/XXXX. I notified the debt settlement company who reached out to Discover to try and work something out before i had to go to court. The morning of the hearing, i was contacted by the settlement company who had reached a settlement with Discover. We accepted the terms, which was a settlement of {$3900.00}, first payment in XXXX of {$570.00} and it will be paid off by XX/XX/XXXX. 

I was told to still show up for the hearing, which I did. The attorney for Discover, was late by an hour and the judgment ruled in my favor. I sat down with the attorney and explained that we had already had come to a settlement which her firm did not tell her. I gave her all the specifics. 

A week later I received a letter in the mail from the Attorney 's office for Discover XXXX, XXXX XXXX XXXX with the terms of the negotiation and the acceptance of the settlement. 

In XXXX, i received a phone call from XXXX, XXXX XXXX XXXX, calling to discuss payment of my debt in full. I had told them that my debt settlement company had already negotiated a settlement with them and Discover, that we were making monthly payments. He had told me he couldn't talk to me anymore since i was working with a debt settlement company and had asked me to have them call him, which i did and they did. 

XX/XX/XXXX, i received a notice in the mail that XXXX XXXX and XXXX were appealing the Magistrate 's judgment XX/XX/XXXX, I received XXXX large envelopes in the mail XXXX from the court and XXXX from XXXX, XXXX and XXXX, that they were suing me for the full amount and that i had XXXX days to answer to the complaint, otherwise a default judgement would be filed against me. 

I filed my answer and new matter on XX/XX/XXXX, well within the XXXX days, the court scheduled a hearing date for XXXX XXXX, XXXX, which by then the debt will be paid in full. 

Today XXXX, i received in the mail from XXXX, XXXX and XXXX a letter dated XX/XX/XXXX telling me that I am in default because i have filed to enter a written appearance personally or by an attorney and file in writing with the court my defense or objections to the claims set forth against me, That i have XXXX days or a judgment will be entered against me and i will lose my property and my rights. 

This is beyond harassment. They settled with me and they are getting their payments, why sue me and go back on our written settlement. Also, they know i have a been working with a company who has a legal counsel who has been assisting me so they are not to be contacting me directly. This company has caused me nothing but anxiety and grief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in my FTC report, and letters to all XXXX credit reporting agencies regarding unauthorized use of my credit. XXXX will not remove the unauthorized inquiries. I even mailed in a response from a creditor ( XXXX ) that explained the inquiry was unauthorized and XXXX still would not remove it. The company pulled the inquiry itself. But credit reporting agencies have a legal duty to ensure information is reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I sent a letter to all 3 major credit bureaus and Bank of America, letting them know that I had been a victim of ID theft on this Bank of America account and to block the reporting from my credit report. Bank of America responded that the account had been verified accurately. 

XX/XX/XXXX - Bank of America sent out an ID Theft Affidavit for me to complete. I have completed the Affidavit along with the attaching a copy of an Incident Report and proper identification. 

XX/XX/XXXX - Bank of America reopened the fraud investigation on this account that is not mine. 

They have not provided any information to verify this account the first time I've disputed. I have given them more than enough time ( 3+ months ) and they have not resolved this account yet with no information to support why they believe it's valid. I can't continue to wait for them to take their time on resolving an issue that is costing me at the end of the day. 

I have been patient enough and have no choice but to file this complaint on them,.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX account # XXXX and account # 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

I opened two business accounts back in XXXX of XXXX for XXXX XXXX XXXX XXXX XXXX which was formed XX/XX/XXXX. Both accounts were closed out, one was closed at the end of XXXX and the other was closed out at the beginning of XXXX. I was informed I would receive both remaining balances in the form of a cashiers check. However I waited and called in from the middle of XXXX till now about this issue. They finally did send one check out after doing a claim that check was sent XX/XX/XXXX in the amount of {$18000.00}. The other check in the amount of {$18000.00} hasnt been sent out I was informed of another check separate from that in the amount of {$7700.00} that was supposed to be deposited on XX/XX/XXXX along with the second remaining balance cashiers check to my recent business account which was opened in XXXX of this year when I received the first cashiers check. The account was forced closed due to no activity since the first deposit made when the check was cashed upon opening the account. I have been treated rude when going to the branch and I have been treated rude when calling in I feel uncomfortable going to the bank now in behind the treatment received I was told twice I wouldnt get my money sent to me for no reason at all in a very unprofessional rude manner. The first time I was told this after being informed I would be sent my money back in XXXX and the second time now in XXXX I was told this once again after being informed I would receive my money. The same exact statement made again after them finally sending out my first check after the fact they stayed I wouldnt get it. I have been transferred from department to department and treated very unfairly when I have been nothing but respectful and nice even when I was treated the way I have been. Both of the checks have been verified by the claims department and are ready to be sent out as they have already been attempted to be deposited into the account that was recently forced closed on the same day the money was due to be deposited randomly but Bank of America account closure department redirects me back to claims instead of sending the money out. They are refusing to send my money as they did for the first check and after almost XXXX years I finally got just the first check sent back in XXXX of XXXX. I am still awaiting the last two checks after being promised by multiple employees I would be sent these checks this was even verified at the branch who treated me extremely unjust and unfair. My account was mysteriously forced closed on the same day I was supposed to have both of the checks deposited by Bank of America themselves. Why cant I get the checks resent? If they were already due to be deposited and show in the system they were deposited into the forced closed account on XX/XX/XXXX confirmed by three employees already between account closure and claims.
Product: Credit card

When I went to the dentist they signed me up for XXXX card with synchrony bank. I cancelled the card shortly after I got home as they did not inform me they were going to charge me for work that was never done, after contacting XXXX dental and getting the charges removed CareCredit still charges some fee or something even though there is no charges on the account and the card and account has been closed. When I try calling its always busy and I can not seem to find a way to email or chat with them about the issue. I don't even know where the card is or what the account number is so I don't know how to move forward but this is messing up my credit and it needs to be stopped.
Product: Debt collection

Per XXXX contract and attached documents, as instructed we returned our phone equipment in the trackable mailer provided by the company. Attached proof tracking confirms they received it. they did not credit our account but rather shipped our account to a collection agency called I.c Systems who states they received the deb to collect from XXXX and they can not discuss anything with us other than payment in full. 
Several attempts to discuss with the original company but they refuse to discuss receipt of their equpment as shown in the attached tracking document. This false debt is now listed on my credit report. Furhtermore despite the young age of the report, immediately after I filed a complaint with Transunion, I.c Systems reported the debt as " charged off '' and will now not engage. The company is I.c. Systems. I.c. Systems is the collection agency for XXXX. I.c. Systems is reporting {$1000.00}. Each piece of equipment returned was promised as a XXXX.credit toward our end bill = XXXX total credit. If credited I would owe XXXX not the credit company amount of XXXX. The debt reported is incorrect. My credit score is being dmaged from this inaccurate collection activity / report AND I dont even have the equipment I returned!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account ending in XXXX is reporting reporting twice on my report. This old account was closed and transferred to a new and good standing account. 
Please delete incorrect account that shows and it is reporting only on transunion.
Product: Checking or savings account

I visited a bank officer at the branch in XXXX, New Jersey and the bank manager at the branch in XXXX, New Jersey of Bank of America to ask them to remove the 2 stop payment fees of {$30.00} each on each check of {$54.00}! 
I told them these fees were exhorbitant because each check was for {$54.00}! 
The fees have not been removed!
Product: Credit reporting or other personal consumer reports

Company not complying with XXXX  day time frame see attached documents :
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific fraudulent accounts and inquiries from my credit file, as I am a victim of a data breach and identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed to maintain the accuracy of my credit report. 
Please remove the following accounts from my credit file : XXXXXXXX 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 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 In addition, I request the removal of the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX