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

I had credit cards with XXXX XXXX and Best Buy. 
I had been paying XXXX XXXX on time but I hit hard times and still paid the minimum on time and quickly paid off the balance. As soon as I covered the balance they let me know they closed my account because they foresee me being a risk. The card was only {$200.00} and I was on the mend financially. 
Best Buy was worse. I sustained my card payments through XXXX with minimal income. As I was recovering physically and financially they closed my card but held on to the benefits... .for themselves. I decided I would pay at my convenience monthly only to receive an email and a PHONE CALL to inform me I am LATE and was charged a LATE FEE. After stating my concerns regarding the unfair and borderline illegal practice the representative granted me the courtesy of refunding the fee.. I was appreciative but still disgusted that these large companies seem to have traded their moral compass for the ALMIGHTY DOLLAR. 
Previous to this encounter I spoke with someone at the corporate level at Best Buy who directed me to the bank that offers the loan/ credit ( citibank XXXX This rep explained to me that it's only FAIR that they treat all their customers the same... so if a customer has a credit score of XXXX it's not fair that a customer who's credit declined deserves to have a card. ... WE JUST SURVIVED COVID!!! And a customer with a score of XXXX qualifies for probably a few XXXX verses little me with just {$500.00}. As long as both are amicably maintaining their balance there is no reason to pull the rug!!! 
There is a Bible story about XXXX. He did a terrible thing and just couldn't see it while he was in it. So XXXX sent a prophet to awaken his conscience by telling him a simple story : There was a man who had lots of sheep ... a rich man. Then one day the rich man saw a simple man with one little sheep ... healthy and just beautiful. The rich man was overcome with the desire for his one sheep so badly that he had the simple man killed so he could have it. When XXXX heard that story he was so angry because it was unfair... .he demanded that man be brought to him to be punished for this act. Then XXXX said ... '' thou art the man! '' Well I'm definitely no prophet but I think it's fair I get to keep my 1 little sheep and those who have many sheep keep theirs. Big companies should know fairness breeds loyalty and loyalty increases profit. XXXX has had issues in the past and maybe still do ... .but they worked with me and helped me through COVID... .so did XXXX Bank XXXX Best Buy and XXXX XXXX didn't even offer the bare minimum. I'm sure this has happened to others. Please use you influence to assist us as we all recover from a challenging 2 years. Have these companies revise their fine print and treat customers the way they ( as real people ) would like to be treated. Thank you for you time and anticipated Effort.
Product: Credit reporting or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 6TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Product: Checking or savings account

The company, Goldman Sachs acting through Apple Savings, allowed me to add two external bank accounts for withdrawing funds. They stated that it would take 1-3 business days to process external transfers. I requested transfers on Monday, XXXX. When no cash had shown up by Wednesday, XX/XX/XXXX, I called customer service and was informed that it was actually 1-5 business days ( not advertised conspicuously anywhere in their customer facing interact ). When no cash had arrived by Friday, XX/XX/XXXX, I called in and was told that the transfers had actually cleared and that I would see the funds on the next business day. When no cash arrived on Monday, XX/XX/XXXX, I called in and was informed that the transfers had been processed and I should see them the next business day. When no cash arrived on Tuesday, XX/XX/XXXX, I called in and was informed that ( i ) regarding the first account that I attempted transferred money to, the account had yet to be verified and ( ii ) with respect to the second account I had attempted to transfer money to the transfer had been flagged as suspicious and was under review until XX/XX/XXXX, when it was cleared and would be available in 1-3 business days. It is Thursday XX/XX/XXXX, 9 business days after the transfer request, and I still have not received my funds.
Product: Debt collection

Hi, Ive been receiving few calls from XXXX XXXX XXXX XXXX XXXX Starting XX/XX/year>XXXX  Upon research, its Transworld Systems Inc. ( TSI ), a debt collections agency. My credit is really good, and I always make any outstanding payments due on time ( any credit card payment or monthly payment ). Most importantly, I am not aware of any outstanding missed payment or debt and even checked my credit report for collections in both XXXX and XXXX but none is present. If there is any genuine collection or debt I have, I will pay for it. However, I believe there is none, and I dont want them to constantly calling me over a phone. I think this is either error ( wrong claim ) on their end or possible identity theft I am concerned about. Or TSI is a scam.
Product: Checking or savings account

Chase Bank failed to deliver a bill payment check timely to the payee, XXXX XXXX. This resulted in a late payment on a personal loan. Their payment ( as it was sent from their checking account ) was returned undeliverable, and they have not provided sufficient explanation as to why that occurred. I believe they mailed the check to the incorrect address. They believe that I did something wrong. 

Please refer to the uploaded document, Binder2.PDF, which includes a letter, Chase Bank Complaint # 2 , along with its supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting XXXX XXXX with a date of first delinquency of XX/XX/XXXX the date I filed for Chapter XXXX bankruptcy. The account was opened XX/XX/XXXX and was never paid. Date of first delinquency must be no later than XX/XX/XXXX but more likely XX/XX/XXXX. Either way date of first delinquency is greater than 7 years and this account must be deleted.
Product: Credit card

Please I need help. I do not know what more to do with this creditor. I have sent numerous letters to them, also to all XXXX credit firms asking for a VALID DATED SIGNED PROOF that this account belongs to me. Since last year I found this on my credit report. So since XXXX of 2015 I have been asking them for a copy of a signed contract by me and dated. all they do is send me only once a little letter stating " yes this account is yours '' that 's it. I go back to them again and again telling them enough is enough, send me the valid proof of my signature dated of when they opened this account. NOTHING! I am tired of spending countless hours - paper, money on this. My last line of defense are you guys, please help me. Ask them to send me a copy of the " SO CALLED CONTRACT SIGNED BY ME '' who I did not authorize this account. And if they say I did where is my signature opening this account???? NOW!!!
Product: Debt collection

Hello, I Contacted Central Portfolio ( collection agency ) on XXXX, XXXX at XXXX. I spoke with a representative that stated that i owed a medical balance from a hospital named XXXX XXXX XXXX. I stated that the bill was paid in full with a grant to the XXXX XXXX XXXX directly and this was added to my credit report several times before but had to be removed due to account was paid in full. I called the hospital with the Central Portfolio representative on 3 way calling and the hospital verified that i do not have a outstanding balance with them. The hospital even told the collection agency directly on the phone that i do not have a outstanding balance with them. The collection representative from Central Portfolio stated they will send a itemized bill but i never received it or proof that this bill exists. This account has been sold to several different collection agency and have been removed from my credit report before in which my past credit report shall reflect. The original hospital is closed down and now a new hospital is operating under a different name called XXXX XXXX XXXX located in XXXX XXXX, Missouri in the City of XXXX. They sent a paid invoice but the collection agency rejected it because the invoice number was different due to the file being transferred so many times. The balance show that the bill was paid in full on XXXX XXXX, XXXX to XXXX XXXX XXXX XXXX XXXX XXXX. I exhausted all of my resources and i tried to resolve with Central Portfolio, but they are not producing any evidence of a original itemized bill from XXXX XXXX XXXX. Note that the original invoice statement attached will have a different balance and invoice number that the collection agency is claiming due the XXXX XXXX XXXX is now XXXX XXXX XXXX. The dates on the invoice is the same date that collection agency has on their verbal invoice that has not been sent to me as requested. I also gave the hospital the collection agency invoice information in which they could not find in their records. Please let me know how i can get this resolved again and not have it back on my credit report. This has been a ongoing nightmare for the last 5yrs and it keep resurfacing on my credit report but is constantly removed every time. Please help -KINDLY-
Product: Debt collection

My personal information was fraudulently used as a co-signee by XXXX XXXX XXXX for a medical credit. It was approved for her with out proper verification. Only my name and social security number matched what XXXX XXXX XXXX, the company that issued the credit to XXXX XXXX has on record in the application. Every other information, date of birth, address, job, telephone, wage, and email did not match, yet the application was approved.
Product: Checking or savings account

I opened up a new checking account and savings with Huntington bank today. They did not give me a temporary debit card IAM unable to pay my bills and draw out money. Once again a bank is ruining my life IAM about to get evicted because I can't draw out the money to pay my rent
Product: Debt collection

On XX/XX/2019 I was contacted by XXXX XXXX stating a civil law suit has been filed and a warrant for my arrest is waiting to be served. I argued with a man named XXXX XXXX   who stated that they are no a collections agency but rather a law firm and of which he is a director. I told him I resolved this account already and he told me since I had done all of this before that he had enough authority to cut the debt from {$970.00} to {$470.00}. He told me that unless I promised to reconcile the account a warrant for my arrest would be out the next day. I told him I would look for my paid in full letter and told him to continue with the {$470.00} amount until I found the letter. He told me I would be sent a " right signature '' document to authorize payment from my account and to sign it. I did not receive the " right signature '' and did locate my paid in full letter. XX/XX/XXXX, I contacted XXXX and told them I have the paid in full letter, the confirmed the account number was correct and asked me to send the letter to XXXX. I sent the letter while on the line with the company and was advised that the account is closed and would be removed from my credit. On XX/XX/XXXX I received the " right signature '' email. I responded to the email with the paid in full letter and a request that the account would be removed from my account. I called XXXX XXXX and told him that I just received the right signature, he told me not to worry about it and to disregard. He confirmed, nothing would be charged to my bank account and no monies are expected to be paid. He told me not to sign the right signature since I already sent the paid in full letter. I requested a letter showing the account would be removed from my credit. I was then transferred to another representative who told me the other collections agency did sloppy work and that they should send the letter showing the account is no longer on my credit. I explained that their company does the same sloppy work because they don't show that I have sent the paid in full letter. That representative has also stated the no payment was due and that the account would not seek further action. XX/XX/2019 I have a pending amount of {$470.00} with my bank for this account. I called XXXX 5 times leaving multiple voicemails only to have to call *67 to get them to answer the phone. After speaking to XXXX XXXX I was told it was their error and that a refund would be processed on approximately 4 business days. I explained why this draft was fraudulent and he transferred me to XXXX in the compliance department who told me to be nice to him because they are short staffed due to the holiday weekend and he did not personally draft from my account. I told him BECAUSE of the 4 day weekend that this error is especially egregious and why I need this resolved today. I demanded a letter stating that the refund is being processed TODAY, the account closed, and no other actions will be taken against my account from XXXX XXXX. XXXX stated he would and then went on to say that he refused to argue with me any further, I disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts opened fraudulently.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 your agency responded to my CFPB complaint regarding a XXXX  XXXX bankruptcy filing. You are reporting on my credit report that needs to be removed. I wrote a letter to the bankruptcy court in XXXX, Wisconsin. And I asked them if they furnish information to credit reporting agencies. Their response was that, they do not furnish any information to credit reporting agencies or other entities. Which makes this information unverifiable and inaccurate. Please move forward with deleting this XXXX XXXX bankruptcy record from my credit report. Or you will leave me no choice but to seek legal counsel against your agency. For violating my consumer rights under the Fair Credit Reporting Act and 15 U.S.C. 1681i.
Product: Money transfer, virtual currency, or money service

I placed an order on XXXX. This is an international item. Tracking here https : XXXX shows that the item was returned back to the seller and could not leave the country of XXXX due to having a restricted item ( a battery ). XXXX has refused to provide a refund despite telling me they will and has provided fake fulfilment documents to Paypal. 

I contacted PayPal and it appears they are siding with the seller 's fake fulfilment documents. XXXX is a scam, and PayPal is an enabler. 

PayPal Case ID : XXXX
Product: Credit card or prepaid card

I have 2 submitted disputes with this company. XX/XX/XXXX and XX/XX/XXXX. I have no knowledge of this account being opened. I have asked for supporting documentation and proof that I indeed opened the account but nothing has been provided to me. This is a fraudulent account.
Product: Money transfer, virtual currency, or money service

To whom it may concern, Square credit card processing is Currently withholding up to 30 % of all transactions for up to 120 days! They do not get permission or properly inform their customers and we are getting blind sided at the worst possible time. Who could possibly sustain their business if square holds all your profit? This is a horrible thing to do to customers. Especially during the covid-19 crisis. They already withheld over {$1200.00} from my company this week when we are just getting back to work. Please help me share what is happening and stop what this horrible company is doing to people and business. On XX/XX/XXXX they withheld nearly {$1200.00} from a {$3800.00} transaction and on XX/XX/XXXX they withheld about {$190.00} from a {$580.00} transaction. They will not release these funds until mid XX/XX/XXXX. At this rate they will destroy small businesses using their service. I have been using square since XXXX and they just recently implemented this reserve system. I never agreed to the changes and the notification letter they sent in XX/XX/XXXX ended up in my spam folder.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX 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 a account without my written instructions
Product: Mortgage

I filed a complaint XXXX about the practices of XXXX XXXX   XXXX with the cfpb about their failure to return funds due my late brothers estate. In response their agent Mr. XXXX XXXX stated on XX/XX/2018 that a check, which I've yet to receive would be mailed to me on XX/XX/2018. I've tried call to no avail and am tried of this company giving me grief about this money not to mention that the amount they stated as due did not include funds held in the mortgage escrow.
Product: Debt collection

I received a letter about a debt for " damages '' from Slovin and Associates I called to inquire and tell them how XXXX XXXX has failed to provide me itemized recipepts of damages and that I believe it to be frivolous and retaliations and would like to see proof before paying and that I have reached out to XXXX and their other collections company consumer collections multiple times over two years and have only been given a lease and still no proof. 
I was told to email this to them They never responded to me and I was then summoned by the court the next week. 
They still haven't responded to me and now we have to have a court date hopefully they will have some proof for that.
Product: Mortgage

On XX/XX/2019 I contacted Mr. XXXX XXXX to discuss him refinancing two of my properties. I expressed to him that my wife works for a larger bank and we could get a good rate, but I was comfortable going with his company considering he had all of my information from a previous investment property that I had purchased a month earlier. 

Mr. XXXX told me that if I refinance both of my properties with him that he would give me a lender credit at closing which equal to a combined amount of {$1800.00}. At the time of closing the money was not credited to me and he refused to send me a check for the amount. I would have never used his company if he had not agreed to give me the credit in the first place. The credit is not disclosed on the final HUD or disclosure documents. After numerous emails and phone calls neither XXXX or his manager XXXX XXXX send me a check for the agreed funds.
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted American Express Delta Skymiles gold card to cancel the credit card that I have never used or never opened. I have other American Express cards but never opened this account. 

On my statement in XX/XX/2020 there was a {$95.00} annual membership fee. I explained the situation to the agent and told her I have never used the card, opened the card and felt like I should not have to pay a XXXX annual fee. She said that she would cancel the card and waive the fee. A few weeks later, I received another statement and the fee was still showing as due. I called again. The second rep told me the card had not been cancelled and did not see any notes about the fee being waived. I requested the card to be cancelled again and the {$95.00} fee waived. This agent said the card would be cancelled and would waive the fee. 

Fast forward to today, XX/XX/XXXX, I received another statement from American Express Delta Skymiles card, with the fee of {$95.00} on it. There is a note on the statement that the account was cancelled at your request. I have not been receiving statements from them since XXXX so I am not sure why am still receiving this bill when I was told twice the fee would be removed/waived. 

When I spoke to the rep on XX/XX/XXXX, she would not waive the fee stating it was outside their 30-day policy. This is not right and should be investigated as a fraud. I never opened the account in the first place, never used the card, and should not have to pay their XXXX annual fee. Can you please investigate this matter as I have tried to resolve on three different occasions?
Product: Checking or savings account

I filed the below complaint and there is still no resolution from or with Bank Of America. 

I got a call from XXXX, he left no last name, an employee of Bank of America, XXXX, left me a message and the following number, XXXX ext. XXXX. 

When I call this number I am automatically transferred to another extension. I have called this number and extension several times and as of the writing of this complaint I have not gotten a call back from XXXX. 

I have a big financial dilemma on XX/XX/XXXX and the first of the month of XXXX, when ALL of my direct deposits will be rejected, because Bank of America plans to close my last checking account on XX/XX/XXXX, one day before my Social Security benefits direct deposit. 

Also, I have been embarrassed, while with my attorney, by my debit card being denied/rejected when trying to pay for my meal, even after XXXX attempts to charge for my meal. 

Also, I have tried to use my debit card at the BofA ATM machine and all the attempts were cancelled each time. 

I know that there is no way that I can make the changes to another bank in time to get my direct deposits, therefore ALL of my deposits will be returned to the depositors. 

As a XXXX Veteran, I will have a lot of bills and payments late and causing bad reports on my credit reports. 

One of the biggest issues is that Bank Of America CAN'T explain why someone can get into my account, make UNDETECTED direct deposits, and charge almost XXXX unapproved amounts to my account. My account is has been HACKED and Bank Of America can't STOP or EXPLAIN who and how my account is HACKED. 

Immediate assistance is needed. 

Thanks In advance, XXXX XXXX XXXX