23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My father had a checking account at Old National Bank. He passed away unexpectedly on XX/XX/2019. The bank was aware of his death on or around XX/XX/2019. On XX/XX/2019 I went to the Branch location in XXXX, MN and spoke with a senior branch employee and requested the account be frozen immediately and that no transcation be processed on the account. My dad was receiving social security and a pension from XXXX. The payments for XXXX were going to be deposited but would be clawed back due to the date of death and timing of when automatic payments are deposited into the account. I told the bank that money was not be used and would need to be returned. I was called the following day and assured the account was placed on hold and no transactions would be processed. On XX/XX/2019 and XX/XX/2019 the bank took the funds from the checking account and applied to ( 1 ) an unsecured LOC at the Old National and ( 2 ) a mortgage and LOC at Old National Bank secured with my father 's home. Their are now insufficent funds in the account to repay the MSRS and I am being asked to repay this money. The banks actions were very deceptive and caused me and my Dad 's estate significant harm. Had they told me they would process payments to themselves, I would have immediatly opened a probate and taken possession of the assets. I relied on their statements to my detriment and now being asked to payback funds that were not my Dad 's and I do not beleive the bank had a right to take. There are priority debts that need to be paid out of the estate. These mortgages although still due are not priority. In addition, there is a co-borrower on the loans who is still responsible to pay the debt. The bank did not attempt to collect from the co-borrower before taking funds out the bank account that is now property of his estate. I have asked the bank to reverse these transactions and they refuse. In addition, to these transactions they also processsed other ACH payments out of the account after the bank was notified of his death and I was assured the account was frozen. I feel as though the bank acted for their benefit while being Unfair and Deceptive. I relied on their assurance and have been harmed both financially and emotionally due to the stress and circumstances of this situation. I took every action I could up front to avoid this from happening and the bank did not honor my requests in order to exploit my deceased father 's bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an alert that my score had plummeted a significant amount. Upon reaching out to the major credit bureaus, I was received by their automated answering machines which both hung up the line several times. Upon finally getting to an actual live agent ( with XXXX ) after trying for about 45 minutes to 1 hour, I explained to them that my credit score had decreased by about XXXX points in one day even though I had no outstanding debts and my student loans had been paid off in full. They then brought my attention to the fact that there was still one account that was potentially still negatively impacting my credit score. It was an account that had been paid off and closed for about 2 years. Furthermore, at the time at which I had paid off this account I was told that it would be closed and would no longer be a factor in my credit report. Therefore, I proceeded with that information in mind. After explaining this situation to the agent I had finally been able to reach, they essentially told me their was absolutely nothing they could do for me except connect me with a credit monitoring agency which charges XXXX $ XXXX for their services which I can not afford.
Product: Credit card

See my previous complaint Case XXXX I received XXXX letters from Synchrony Bank both stating that the complaint was resolved and " And at this time, we consider the dispute closed. The dates of these letters, attached are XXXX XXXX, and XXXX, 2016 ( See enclosures XXXX & XXXX ). 
On XXXX XXXX, 2016 Synchrony Bank wrote me again re-instating the claim. See enclosure XXXX. 
In fact, although Synchrony Bank states they believe that the matter is valid because, '' ... that your card was present at the time of the transaction. '' Nevertheless, my card and my wife 's card have never left our possession, nor are the signatures on the transactions either that of myself or my wife. Both of our cards have chips, and had the transaction been properly completed with a chip reader they would have been denied. 
I believe that under Federal law that I am not responsible for these charges as the Bank can not confirm that the signature is that of myself or my wife. 
The fraud prevention at Synchrony Bank persists in finding reasons to invalidate my claim of fraud. Previously, for which they have appologized, they sent a letter claiming that I called them to agree that the XXXX transactions were valid. I never did so.
Product: Checking or savings account

On XX/XX/2023, I formally closed my Citizens Bank checking account by speaking to XXXX at the customer service line at Citizens Bank who made ministerial entries to close my account with a {$0.00} balance after I wrote a check to bring my account to {$0.00} a few days before calling. However, despite notices that I closed my account with a {$0.00} balance, I received a mini statement 40 days later apparently indicating that my account may still be considered open as I was charged a {$9.00} service charge on XX/XX/2023 which is inappropriate for a closed account. My account was closed on XX/XX/2023 with a {$0.00} balance. Kindly investigate and take required action as no further activity is allowed after closing on XX/XX/2023.
Product: Student loan

I 'm a XXXX and currently begun my career. However, my income is not sufficient to cover my living expenses and pay for my student loans. Because of this situation I was delinquent on my Sallie Mae loan payments. I spoke with a gentleman named XXXX who is a Manager in the Sallie Mae collections office. We discussed my financial hardship and he advised me to bring my account current before they could help me with special hardship assistance ( lowering my interest rate and monthly payment ). I have brought my account current and called Sallie Mae to take advantage of the special programs that XXXX XXXX had covered. The Sallie Mae servicing department is not able to work with me because my account is not past due. I 'm being proactive about my account not falling into delinquency again but the only way Sallie Mae will offer me any hardship assistance is if my account falls into delinquency again. They are adamant that unless my account is delinquent that I can not speak with a Collections representative about special hardship programs to lower my monthly payment. The Sallie Mae servicing department is only offering me a financial forebearance for 3 months while the interest builds on my already un-affordable student loan. Based on my conversation previously with XXXX XXXX of the Sallie Mae Collections department the programs they can offer me a lower interest rate on all of my loans to that I can have a income dependent payment and do not fall into default.
Product: Credit card

I recently checked my credit report and found accounts and inquires i did not authorize. I had my XXXX taxes withehld untill i verified my identity so XXXX not sure if my info got out or somebody stole it but these XXXX collection accounts ( Regional Finance Tx, XXXX XXXX XXXX  ) were not authorized by me. Also the khols accounts inquires were not authorized by me. Please remove these as soon as possible they are holding me back from what i am tryng to do.
Product: Credit card

JC Penney closed my credit card account on XX/XX/XXXX without contacting me in any way. This has caused my credit score to drop more than XXXX points. Id had this credit card account since XX/XX/XXXX. I contacted JC Penney and was told there was nothing they could do about the closed account and that they could not reopen it. I was told Id have to open another credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was about to apply for credit and looked at my credit report and was amazed at all the inaccurate and false information in direct violation of the Fair Credit Reporting Act. On the Attached Identity theft report the listed accounts has violated my state and federal protected consumer rights to privacy and confidentiality under 15 USC 1681. This law says i have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) 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. And lastly under 15 USC 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 reason to believe that the information is inaccurate. 

Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX Past due {$2400.00}, Accounts for deletion XXXX XXXX XXXXXXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion XXXX XXXX XXXXXXXX reported XX/XX/XXXX Account for deletion : XXXX XXXXXXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION : XXXX XXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXX XXXX  XXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : XXXX
Product: Debt collection

Tromberg, Morris, & Poulin PLLC sent me a letter to try to collect a debt that I owe " XXXX XXXX XXXX, XXXX '' on behalf of XXXX XXXX account number ending in XXXX. I do not have a credit card ending in this number with XXXXXXXX XXXX. I do not have any active accounts with XXXX XXXX  I called XXXXXXXX XXXX and they confirmed this as well. Tromberg, Morris, & Poulin PLLC sent me a letter that " You are being Sued '' with a docket No. for the XXXX XXXX XXXX XXXX in New Jersey. 

I called XXXX and also confirmed that this synchrony bank account does not exist.
Product: Debt collection

I moved out of an apartment complex before my lease was up. The current owners of XXXX XXXX XXXX in XXXX NM at the time was XXXX. They took this to court and a judgement was filed for the amount due for breaking the lease of {$2200.00}. The account was then sent to Pro Collect but had additional rents tacked on to it. I have been trying to get this company to take a look at the statement and understand that they charged me for the full month of rent for XX/XX/2019 of {$720.00} and then they also charged me another {$410.00} for XX/XX/XXXX through the XX/XX/2019. So essentially they are charging me above my contracted amount for XXXX rent. I have called and sent emails and every time they get extremely hostile and aggressive over the phone and just keep saying " your refusing to pay this debt '' not one person has looked at this however and realized that it is wrong. When I ask for the original creditors information to contact them they refuse to give it to me and they also refuse to work out a payment arrangement stating it has to be paid all at once up front. No where in the Lease agreement does it say they can charge me 1.5 times the amount of rent for one month. This is illegal and they refuse to address this issue. I will not pay a balance that is not correct.
Product: Debt collection

XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/2022 This account has been disputed several times due to identity theft. The collections agencies continue to resale this debt for collection activities and I have provide the police report in regards to my personal information being used.
Product: Consumer Loan

Mercedes Benz Financial was notified on or about XXXX XXXX that two payments ( payment was made XX/XX/XXXX ) were taken out of our account. My wife called and asked to return the extra payment that was taken out and they informed us it would take up to 10 days. On day 10 there was no money in the account so we called again. They stated that nothing had been requested and now it will take 48 hours. After waiting that 48 hours, still nothing. We then called again, and again the message was it will be in our account in 48 hours. This is after giving them the confirmation number from our bank. Again, nothing in the account. We called again and they said they needed a screen shot of the online baking deductions, so we sent that. Still nothing. I have now called twice today requesting to speak with the person we have been speaking with and was informed she was busy and I would get a call later. This is unacceptable. The money is still not in the account.
Product: Payday loan, title loan, personal loan, or advance loan

I cancelled the autopay at the beginning of my loan because I like to have more control of when I make my payments. I like to pay my monthly payments early and I usually pay more than what I am scheduled to pay. This helps reduce the interest and shorten the loan term. When I was on autopay, I couldn't pay early or extra. For the past two months, when I make my manual payment, Happy Money will not update my due date. They are not applying my payment as a principal payment either. I make my payment about XXXX weeks early. Happy Money records when they receive my funds correctly, but they won't advance my due date. Last month they didn't correct the error until the day before the erroneous due date. It's happening again this month. They said my due date is XX/XX/XXXX, which is in 2 days. But the due date should be XX/XX/XXXX. I made my last payment on XX/XX/XXXX. When I comminicate with them, they tell me I am making my payments late. They apply the payments towards the principal and interest, like a normal payment. I believe they are doing this on purpose so they can keep charging me more daily interest.
Product: Payday loan, title loan, or personal loan

Upstart is violating the terms of the Promissory Note when it comes to the application of partial prepayments. I made a partial prepayment and, per the terms of the legal documentation, it should 100 % be applied to principal. However, the company is first applying the partial prepayment to accrued interest and then principal. This is a violation of section 9 of the executed legal documentation. The company is insisting it follows section 2 detailing how payments are applied. Since this is a partial prepayment, terms in Section 9 apply and thus, 100 % of the partial prepayment should be applied to principal prepayment. Upstart refuses to adjust the accounting of my account.
Product: Money transfer, virtual currency, or money service

ON XX/XX/2024 I WAS RETURNING FROM AN OVERSEAS TRIP. WHILE I WAS OVER SEAS I SAW A TRANSFER FROM XXXX XXXX WITH MY ATM CARD. WHEN ARRIVE HERE IN XXXX XXXXXXXX I WAS DETAINED FOR XXXX HOURS AND MY CELL WAS TAKEN FROM ME, AS OF TODAY I HAVE NO RECEIVED MY CELL BACH ALTHOUGH NOTHING ILLEGAL WAS FOUND AND THEY SENT XXXX LETTERS TELLING XXXX THO SING AND RETURN IT TO THEM I TOOK ME ABOUT XXXX WEEKS THAT I DID NOT HAVE A PHONE. MY MONEY WAS SENT TO XXXX XXXXXXXX XXXX XXXXXXXX IN XXXX XXXX. 
I DO HAVE A FRIEND NAMED XXXX XXXX XXXXXXXX XXXX LIVING IN XXXX, XXXX PLEASE LOOK A THE SIMILARITIES IN THE NAMES OF THE RECEIVER XXXX XXXX JUST CALL ME AND TOLD ME THAT I HAVE LOST MY MONEY XXXX XXXX DID NOTHING TO HELP ME THANKS I HOPE YOU CAN HELP ME
Product: Checking or savings account

To whom it my concern Thank you so much for helping me first. I think Citibank is violating banking laws and robbed my money. Here is what happened to me at Citibank. 

I opened a new checking account and a new saving account in XXXX 2022 at Citibank. 
Then I transferred total {$50000.00} dollars to my new checking account at Citibank from my own account at XXXX XXXX  and I transferred total {$10000.00} dollars to my new saving account at Citibank from my own account at XXXX XXXX XXXX. 

On XXXX2022, I received a written notice from Citibank that all my accounts, both checking and saving at Citibank are closed and I will get all the money back which is total {$60000.00} by check in mail with 30-60 days. The 60th day is XX/XX/2022. 

Today is XXXX2022, clearly the 60 days have already passed, and I didn't receive any money back till now. I called Citibank several times, they said the money on my account will not be given back to me and Citibank don't owe me any money. Citibank said the money does not belong to me anymore. 

Citibank said if I want to get my money back, the only solution is to go to XXXX and XXXX XXXX XXXX to file a claim and reverse the transaction because Citibank will not give me any money back. Then I went to XXXX and XXXX XXXXXXXX XXXX and told them what Citibank have told me. However, both XXXX and XXXX XXXX XXXXXXXX said all the transactions are valid since it is me who sent the money and all the transactions have been finalized and the Citibank has confirmed the money is received. All XXXX and XXXX XXXX  XXXX can do is to provide me bank statements which will proof the money sent out is my money. 

I am really hopeless right now since there is no way I can get my own hard earned money back from Citibank by myself. and I think I am robbed by Citibank. I have recored all the phone call with Citibank as evidence. And I have other evidence like my Citibank debit card, my Citibank account paper check, my Citibank account related email etc. 

Here are the dates and amount of the transaction for your reference. 
My XXXX XXXX  checking account to my Citibank checking account : ( XXXX ) on XXXXXXXX2022, {$25.00} dollars. 
( XXXX ) on XXXX2022, {$970.00} dollars. 
( XXXX ) on XXXX2022, {$1000.00} dollars. 
( XXXX ) on XX/XX/2022, {$25000.00} dollars. 
( XXXX ) on XX/XX/2022, {$23000.00} dollars. 
My XXXX XXXX XXXX checking account to my Citibank saving account : ( XXXX ) XX/XX/2022, {$10000.00} dollars. 

Thank you so much for helping me again! Hope to hear you back from you soon! 

Sincerely
Product: Credit reporting

I sent certified mail to Equifax regarding my issue with XXXX and XXXX debt which was erroneous. I asked to see the original contract with my signature in compliance with the 609 Fair Credit Reporting Act. Which states that the debt must be verified and validated or be removed from my credit report. In the case of XXXX the court ruled that you can not take information off a computer source as verifying the debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and this is not an unauthorized third party! Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX XXXX never gave credit reporting agencies any written consent to report anything on my consumer report. No consent is identity Theft. This is a direct violation of Federal Law! These credit reporting agencies are reporting unauthorized collection accounts and never produced a written consent from me the consumer! pursuant to15 UNITED STATES CODE 1681n collection agencies are civilly liable for noncompliance. I have took my time to study federal law and i'm now aware of the laws collection agencies violate the consumers on daily! I'm a federally protected consumer and i demand my right to privacy 15 UNITED STATES CODE 1681a
Product: Credit card or prepaid card

Back in XX/XX/XXXX I helped the brother of a co-worker for a XXXX work as a co-applicant and did not heard from CareCredit all these years. Later I found out I was late on the payments by checking my credit report on XX/XX/XXXX. I called the bank, filed a complain with the bank indicating that the account was opened only under my name and did not received any communication that the limits were increased from {$1600.00} to {$8600.00} without my permission. 
Since then I called Synchrony Bank on 3 different occasions and every time I was inform that the account was opened only under my name. I had also requested for the account to be closed and instead I received a credit card without any explanation of the reason why I was the only signer and why the limit was increase without my approval.Finally yesterday, I received a phone call from the fraud department and was told to get in touch with the Credit Bureau to resolve the issue of ownership and that I was still liable because I was a co-signer. 
As a retired XXXX  I kept a copy of the original application just in case and upon review of the application and the one provided by the bank, I found out that the income of the applicant was -ALTERED INTENTIONALLY to approve the credit contrary to banking procedures. Thank you, XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Re : Dispute of Debt Request for Verification or Deletion Dear Sir/Madam, I am writing to formally dispute the following collection account reported on my credit file. I believe that the information being reported is either incomplete or inaccurate, and under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that you investigate and validate the debt in question. If the debt can not be properly verified, I request that it be removed from my credit report. 
The collection account in question is : 1Creditor/Collection Agency Name : Midland Credit Management Account Number : XXXX Date Opened : XX/XX/year> Please consider this a formal request for verification of the debt, as required under the Fair Credit Reporting Act ( Section 605B ). To properly verify the debt, the collection agency must provide documentation that proves : The debt is valid and owed by me. 
The collection agency is authorized to collect the debt. 
Detailed documentation confirming the original creditor, the original account, and any transactions related to the debt. 
If the collection agency can not provide these documents, I request that you immediately delete this collection account from my credit report. 
Please conduct a thorough investigation and provide me with written verification of your findings. If the debt can not be verified, I respectfully ask that you inform me in writing that this collection has been removed from my credit report. 
Under the FCRA, you have 30 days to complete your investigation and respond. If the debt can not be validated, I request that you inform me in writing that this collection has been removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Money transfers

I sent money by Western Union to XXXX XXXX at XXXX, IA for confirmation that I was the one to receive a packet from XXXX XXXX. He was sending a packet containing {$50000.00} of his pay to me. I sent {$200.00} for the confirmation then XXXX informed me that I needed to send {$530.00} to clear customs for the Federal Gov. to allow the packet to be put on a plane to be sent to me. I texted with XXXX XXXX about the {$530.00} he agreed to pay {$330.00} and I pay the balance of {$200.00} which I paid also by Western Union. XXXX XXXX was to be sending money to help me with XXXX as I am XXXX which would have cost around {$3000.00} each and for XXXX which would have cost around {$5000.00}. I was informed XXXX XXXX was a scammer using XXXX XXXX XXXX 's picture as his picture.XXXX is a financial anylist for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

THE XXXX AND EQUIFAX HAVE LISTED MY ADDRESS WRONG AND THEY DID NOT COMLY WITH MY REQUEST