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

On XX/XX/2023, I closed my CD account with BMO Harris Bank via online support. The amount of the account was {$34000.00}. I was told that it was banking policy to send customer funds on closed accounts via regular mail. Note, when i opened the account, BMO Harris Bank allowed electronic transfer into their bank but not fund transferred out.

After ten business days from the date of closing and check issuance of my proceeds, i still had not received the check. I called customer service and told them of the situation. After validating my mailing address, they told me it would take longer. In the several times i called customer support i received three different answers as to my check delivery time period.

After three weeks, i called customer service and stated that i had not received the check for my proceeds. The BMO Harris bank customer service agent proceeded to send my via email a lost affividavit form that i had to get notarized and submitted back to the bank.

When i read the cover letter, it stated that it would take 90 days from the original issue date before they would remit another check unless i obtained a surety bond. A surety bond costs between {$800.00} - {$1400.00} for the amount of my proceeds to obtain. Given the high cost of the bond, i sent back the notarized affidivat form XXXX  XXXX and a return XXXX  XXXX label ( at my expense ) so it would not go regular mail. ( I was told unless i provided a XXXX XXXX  account number, they would not pay for an express delivery. ) I asked if they could wire the money to me instead and was declined. Given their stringent policy about using regular mail to delivery customer account funds, there is nothing i can do to speed up the process. 

Lastly, by the time i finally receive my funds, over 90 days will have passed, no interest earned by me, and incremental costs for shipping and notary fees incurred ). Thank you in advance for looking into this issue.
Product: Credit card or prepaid card

I purchased a couch from XXXX XXXX XXXX , and Synchrony Bank issued a credit card for the purpose of providing interest-free, installment financing for the purchase. The couch was defective, as verified by an inspection performed on behalf ot he seller, and we paid the credit card installments as due while the seller was working with us to resolve this issue. The seller sent us a second couch, but it has the same defect as the first, and the seller has refused to take any further action in connection with this matter. We have made repeated submissions to Synchrony Bank, but the responses are all based on the seller 's replacement of the couch and Synchrony Bank has repeatedly ignored our clear explanation that the second couch has the same defect and has ignored our statement that the seller has refused to further work with us. I believe that Synchrony Bank is ignoring our statements because it has a conflict of interest because of its special business relationship with the seller by providing the financing services, so that Synchrony Bank 's responses have not been in good faith. Synhrony Bank obviously thinks that its flow of business from the seller is more important than dealing in good fiath with me.
Product: Debt collection

The specific nature of the problem refers to the terrible customer service of Atlantic Credit and Finance. Over two months ago I 've sent a payment via postal mail and I still have n't received a payment receipt. Every time I try to call I 'm transferred to someone that never answers the phone and whenever I do leave voice messages no one ever returns my call. This is a horrible way to treat customers who are trying to rectify their accounts. Unfortunately this has happened before ever since they 've had my account over the past two years. I need a payment receipt for payment made in XX/XX/XXXX and every payment I 've made since 2016.
Product: Credit reporting or other personal consumer reports

Ally Financial reported incorrect information on my credit report. They have my account status as XXXX through Bankruptcy XXXX XXXX which is incorrect. I did file bankruptcy, however my auto loan was excluded from my bankruptcy and I paid the account in full. This is showing as a negative mark on my credit report. I have disputed this information a couple of times, but the company has yet to change it.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

In XXXX of 2024 I contacted US Bank about an over payment of on my credit card account due to a billing error by US Bank. Us Bank said they would send me a refund for the amount overpaid. When I noticed that I didnt receive a refund for {$2200.00}, I contacted US Bank and they said the money was sent back to the account it was withdrawn from. I have called US Bank multiple times and all I received was two letter dated XXXX XXXX and XX/XX/year> stating the same response, the funds were sent to the account the funds were withdrawn from. So I setup a 3 way call with my bank so they could verify to the US Bank representative that I didnt receive my refund. It has been 4 months and I still havent received my refund.
Product: Debt collection

I have paid the debt of XXXX to M Leonard and assoc. about 4 months ago. I have spoken to a XXXX XXXX at the company whom has been no help. according to her my paid debt can not be removed because she says I made an arrangement and did not keep it. I did call back to pay the debt in full and made the payment. They were very nice taking the payment and had mentioned it will fall off my credit report as paid. I assumed that was to be removed. Now because of this still showing on my credit report as a paid collection I can not live the American dream and purchase a home for myself and 3 kids. I have attempted and pleaded with this company to have this removed and they will not and in turn are always snarky and rude. I have called XXXX XXXX group which is the original creditor and they wish they can hekp but since it has been sent to leonard and assoc they are unable to assist.
Product: Credit card

Between XX/XX/XXXX and XX/XX/XXXX I mistakenly paid my Well Fargo credit card balance of {$6600.00} twice, first with cash from my XXXX Bank checking account and then with a credit card balance transfer to a XXXX credit card. This activity resulted in a negative balance of {$6600.00} on my Wells Fargo Credit Card account. I called Wells Fargo in XXXX and inquired about how I could recover the negative balance. They assured me a payment reversal would be sent to my XXXX checking account on XX/XX/XXXX and I would receive it within XXXX business days. I have not yet received the over-payment reversal. I called Wells Fargo several times in XXXX. They can not explain where this money went and told me it is XXXXXXXX XXXX XXXXs issue. Their story about when and how they refunded it has changed.
Product: Credit reporting or other personal consumer reports

I would like all of these illegal items removed off my credit report asap. These were illegally obtained in my name and I would like this removed off all three of my reports ASAP! 

XXXXXXXX XXXX  {$200.00} XX/XX/XXXX XXXXXXXX XXXX  {$560.00} XX/XX/XXXXXXXX XXXX XXXX XXXX460.00} Date opened XXXX XXXX XXXX XXXX {$2100.00} Date opened XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX ****Inquiries***** Please remove all these illegal inquiries off my report. 

XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX Auto XXXX XXXX  ( Bank ) XXXX XXXX XXXX Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Auto ) XXXX XXXX  XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I found inaccurate late payment entries that dont match my typical payment habits. Kindly correct these mistakes and revise my account.
Product: Payday loan, title loan, or personal loan

Hello, Was sent offers in the thousands of dollars, by these companies who claiming I was Pre-qualified for a loan, after applying for a loan from one of these company, suddenly I get turn down and they saying no longer qualified for any loan, with that company. 

Not understanding, what Pre-qualify me in the first place when they made an offer of a loan.? These called predatory loans, and false offers, on person like me.. 

I'm not new to this office, I recently complained before. My complain number is:XXXX. In that case the decision sent to me XX/XX/2017, about my complaint, I'm very displeased with your decision, and moreover, your response offered no consolation to my complaint. 

However, I continued to get offers in the mail with offers over and over again, especially from XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Pre-Approved for {$30000.00} and so. 

These companies are collecting personal information only, not really lending, and the government needs to do something about it, and place a stop to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 Chase Auto performed a hard inquiry on my credit report without my consent. I contacted Chase auto and said would not be able to solve my issue i would need to contact the credit bureau.
Product: Debt collection

Credit control corporation in XXXX XXXX Virginia continues to report medical debt on my credit report that is not owed. I have called them dozens of times, submitted insurance information as well as disputed with the three major credit agencies. My husband is XXXX XXXX military and we have XXXX  prime insurance in which we are not responsible for any co-pays, deductibles or fees or any kind when it comes to XXXX XXXX. They have been report and attempting to collect from my over {$1000.00} since XXXX. When I report it to the credit reporting agencies it just starts the clock over for when it is being reported, so now my report reflects XXXX, XXXX and XXXX when some are 6+ years old. I have also submitted complaints to XXXX directly and they state they have done everything they can but these accounts are no longer with the original facilities so its up to credit control to drop it. I do not owe these debts and this is a huge injustice to service members and their families as I am not the only one dealing with their shady tactics to money grab from service members.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime around XXXX of 2017 Equifax had a data breach and lost 143 million Americans personal data. I am one of them. It looks like the company sold a bunch if it 's stock as a reaction to this issue.
Product: Debt collection

I received an alert from a company called Credence who has placed for collection an account on my credit report on behalf of a company called XXXX in the amount of {$150.00}. I received this alert on both my XXXX and XXXX reports. 

XX/XX/XXXX, I received a collection letter from this same company for this very same account. I sent them a letter certified disputing this account and requesting that they validate this account for accuracy. They failed to do that. I later contacted XXXX about this account and they could not find any information on this account pertaining to my social security number or any other personal identifying information. I never received a response to my letter from the collection company, Credence. I sent them a letter the same day that I received the collection letter so it was within the 30 requested days. Due to the fact that I did not hear from them, I assumed that this situation was closed. I did retain all the records of my correspondence and a copy of my certified mailing and a copy of the letter that I sent to them in case they or XXXX decided to make contact with me again. 

Prior to receiving their letter, I received a letter from XXXX stating that there was a data breach of their records, which I still have. I also sent them a copy of this letter. I never opened up a T-Mobile account, so I did n't understand why I received a data breach letter in the first place. 

When I researched this fraudulent collection that they placed illegally on my credit report, I noticed that they claim that this account was opened on XXXX XXXX, XXXX, but when I inquired about this account XX/XX/XXXX, your company stated that this account was opened XX/XX/XXXX. It appears to me that not only are they not verifying accurate information, they are fraudulently placing an account that I disputed as identity theft a long time ago, they never responded to my inquiry, they recently placed this on my credit report, and they are illegally attempting to re-age this account for their personal collection tactics, for an account that was never opened, never authorized, never benefited by me. 

I have tried calling this company several times, this morning, and I am not able to reach anyone in their office. Thier website states that you are open on XXXX from XXXX-XXXX, but a voicemail keeps picking up. I am extremely upset about this account and their illegally collection tactics. They need to immediately delete this account. I filed a police report this morning. I will also be contacting the Attorney General and the XXXX about this account and this company. If Credence does not remove this account from my credit report immediately, then I will be force me to take civil action against them. I demand that they contact their client and find whoever it is that owes them or XXXX this money, I also demand that they contact the credit bureaus and update my credit report immediately.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Debt collection

This company keeps calling my house repeatedly all hours of day and night. The one time I was able to speak with someone they would not give me any information. the women said we owe a debit and they are collecting, but my husband and I have lived here for over 30 yrs and we do not have any outstanding debit.

When I questioned them about it, they said it was for my husband and they would call back later. I explained we do not have any outstanding debit and if they want to clear this up they need to speak to me as my husband has no personal finance and I pay all the bills and have for 40 yrs. Now we are getting robo calls day and night with no way to get back to them. This is total harassment and I am sick and tired of it.
Product: Credit reporting or other personal consumer reports

They are reporting wrong information seeing my credit score is way lower when its actually higher not reporting the right balances and getting those companies the wrong information about my credit report and not correcting items on my credit report that I am in good standings instead showing negative Ive been in contact with XXXX XXXX and XXXX and experience to fix these issues, but they have still not
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to freeze my credit with all 3 bureaus last fall. I was immediately successful with all but Equifax. They said I did not have credit to create an account to freeze. They asked for copies of my Driver 's license and SOS card to be mailed to them, which I did ( twice ). I obtained a credit card and have good credit standing and finally they sent a letter confirming they froze my credit and provide a PIN number and instructions to thaw it. 
As a XXXX XXXX, I want to build my credit so I need to apply for a second credit card through my Credit Union ( who uses Equifax ). I attempted to thaw my credit with them through the website they provided. They said it was " temporarily down '' ( which has been their excuse for months now ) and so I called their number. They said they COULD NOT THAW my credit, no reason given. They said I had to write them a letter requesting a thaw and AGAIN send picture ID and SOS card. I did so. I received a letter from them that they could not thaw my credit because they could NOT LOCATE MY CREDIT FILE. So they have frozen my credit, but refuse to thaw it so I can get a credit card!!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Verification and Original Contract Pursuant to 15 U.S. CODE 1692 and 15 U.S. CODE 6802 Dear, Portfolio Recovery Associates , LLC I am writing in response to your recent communication regarding the debt referenced above. I request verification of the debt and a copy of the original contract or agreement, as required under 15 U.S. CODE 1692 of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S. CODE 6802 under the Gramm-Leach-Bliley Act ( GLBA ).

Specifically, I am requesting the following : 1. A copy of the original signed contract or agreement that establishes the debt you are attempting to collect, including any terms and conditions that govern this obligation.

2. A detailed statement of the debt, including the amount owed, any fees or interest charged, and a history of payments made ( if applicable ).

3. Proof that you are authorized to collect on this debt, including any assignments or documentation that shows your legal right to collect.

4. Verification of the privacy protection of my personal financial information, in accordance with the Gramm-Leach-Bliley Act ( 15 U.S. CODE 6802 ) . Please provide information regarding how my financial data has been protected during your collection efforts, including the measures taken to comply with applicable privacy regulations.

Under 15 U.S. CODE 1692, I have the right to request this information within 30 days of receiving your initial communication. During this period, I dispute the debt and request that all collection efforts cease unless you provide the requested verification.

Furthermore, under 15 U.S. CODE 6802, financial institutions and their affiliates are required to establish privacy policies to protect consumer information. I ask that you confirm how you have complied with this requirement during your collection process.

Until the requested verification and contract are provided, I ask that you CEASE and REMOVE all collection efforts and refrain from reporting the debt as due or owing to any credit reporting agencies. If you are unable to provide the requested verification, I request that you CEASE and REMOVE all collection efforts entirely.

Please respond within the 30-day period mandated by law. Failure to do so will be considered as non-compliance with my legal rights under the FDCPA and the GLBA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Hi I had a refund on XX/XX/XXXX from the IRS go to my chime banking account. I opened the account because I didnt have a bank account at the time and I heard with Chime bank you could get your refund faster,, however after receiving the refund Chime closed the account on XX/XX/XXXX. I contacted customer service sent them all documents they required to reopen the account, once doing that they still refused to open the account. I made one transaction on XX/XX/XXXX from the account and sent my money cash via person to person transfer to a family member. It is nowXX/XX/XXXX and I have yet to receive my money from them, they keep lying saying they mailed the check. I was told today the check has not been issued and keep getting the runaround, this bank has stole XXXX from me and keep transferring me to different departments. I was told 2 weeks ago the check was mailed and it will arrive in 3-5 business days, please help me retrieve my funds.
Product: Credit card or prepaid card

On XXXX XXXX, 2021, the day I received my XXXX. Ive been trying to activate my XXXX from my current CELL phone. I do not have a landline as I did in the past. So, I asked my neighbor for help. He used his landline to call this number : XXXX. The automated recording says, It do not recognize my number. 
So, I tried calling from my CELL number & received the same automated answer of not recognizing my number. I do not have access to a computer or Own a XXXX. 
My neighbor used his XXXX  to go online & create an account for me. Following their website steps to create an account. 
I was able to create a ID, PW, input the card number & etc, created my Two Security Questions/Answers. My correct name & address did pop up ... When I got to the final step, I keep on getting this message ( err : sever error ). I have attempted to see what the issue might have been. Without success on my uncountable attempts!!! 
To begin with, their system is POORLY designed! The caller SHOULD be able to REACH A PERSON! IF NOT? Then the automated system should ALLOW OTHER OPTIONS : ( Ex : ask for DOB, Last 4 numbers of SS, updated address, or phone number in order to recognize the legitimate person that received this card instead of using only ONE security option, which is the device someone is calling from! ) It have been EXHAUSTING for me & such a WASTE of MY VALUABLE TIME to resolve this issue!!! 
Im NOT a complainer, however, I feel this situation have been a VALID reason to make a complaint about! Not only for the sake of myself, I feel I will be helping others as well!