23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I sent an electronic payment of {$200.00} through my online banking ( CHASE ) that uses XXXX to send money on XX/XX/19. The other person received a confirmation text for the money but the money was never deposited to them. I was advised through my bank to wait 10 days for the money to return to my account since the recipient has not received funds. I waited 10 days and nothing was refunded to me. I filed a claim through my bank for the loss due to the money never being returned to me. I was given a confirmation number of XXXX from a manager by the name of " XXXX '' and was told that they would extend a courtesy refund. 
I have not received my money back, the recipient never received the money. XXXX refers me back to my bank, my bank now says there is nothing that can be done and that my money is lost.
Product: Debt collection

I was contacted by Columbia Debt Recovery via XXXX. The XXXX  said I owed {$4700.00}. 

However, I do not owe that debt. My information was stolen and I disputed that account with Columbia Debt Recovery and the major credit bureaus. 

Please send me the original ASSIGNMENT CONTRACT ( s ) that proves that I owe it. 

I want them to stop reporting this information to a credit bureau immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE COMMUNICATED WITH THE 3 CREDIT BUREAU REQUESTING THEY TO VALIDATE AN ACCOUNT THAT APPEARS IN MY CREDIT REPORT, I HAVE EXPLAINED THAT THIS ACCOUNT IS FRAUDULENT, I HAVE REQUESTED DOCUMENTS THAT VALIDATE THIS DEBT AND THEY HAVE JUST SAID THAT THE ACCOUNT IS NOT MINE, DONE THE RIGHT INVESTIGATION. THIS ACCOUNT IS FRAUDULENT AND THEY HAVE NOT COMPLIED WITH FAIR CREDIT LAWS, THEY HAVE SENT ACCOUNT STATEMENTS AS VALIDATION, AND THIS IS NOT A DOCUMENT THAT VALIDATES AN ACCOUNT. TRANSUNION AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to CAPITAL ONE BANK USA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting CAPITAL ONE BANK USA agency to remove this charge-off ( Opened Account XX/XX/2014 ) from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Checking or savings account

On XX/XX/2021, I went to my bank, People 's United Bank at XXXX XXXX XXXX XXXX XXXX Every other week or so I deposit money to my checking account to pay bills. I went through the drive up ATM and deposited {$520.00}. The machine started tallying up the amount and I specifically remember seeing the counted amount of {$490.00} on the screen. The machine then proceeded to kick back {$39.00} then told me of an error and that I would have to contact my provider. Unfortunately, I did not get a receipt with the error code information. I then re-deposited the {$39.00} to my account right after which appears on my account transaction. There was no deposit for {$490.00} on my account. I circled back around to the parking lot and go into the branch to tell them what happened. They provide me with a Customer Service number ( XXXX ) XXXX and advised me that they were going to call XXXX who is the third party company that services the drive up ATM. I then go to the parking lot and call customer service and spoke to XXXX. He creates a case number for me and then sends me over via email an affidavit to file a claim advising to complete and send back. While I'm on the phone with him, in my rear view mirror a XXXX truck comes into the lot to do their process of counting fund. In my research I understand that ATM 's usually have 2 divert bins at which time, some workers do not check both and only check one bin. 

On XX/XX/2021, I proceed to a XXXX to complete the affidavit and fax to People 's United Bank which I received a confirmation of successful completion. On XX/XX/2021, I called customer service for a status and spoke to XXXX. She informed me that XXXX balanced their ATM and that they are disputing my claim because their ATM was balanced. XXXX noted that the were going to send a 2nd appeal to my bank and to check back on XX/XX/2021. I placed an additional call to customer service on XX/XX/2021 and spoke to XXXX who told me that they had sent an email to People 's United Bank and to allow a few days for processing and review since to date, they had not heard back. Today, XX/XX/2021, I receive an email from People 's United Bank indicating that they will not refund me the {$490.00} XXXX lost at that ATM for deposit.
Product: Vehicle loan or lease

The account with Santander Consumer is reporting incorrectly. This was an auto loan and the loan was paid off in XXXX. The vehicle was traded in on XX/XX/2022 and the dealership paid off the loan. Santander reported that this was 30 days late and they received the full payoff. I contacted the company and disputed this and they referred me to the dealership. The first person stated that they had a computer problem and did not post the account for over 10 days. The next person referred me to the dealership and stated that they were not making the change. The loan is paid in full. I want this reported correctly that it is paid in full and to remove the 30 day late notice. This negative remark caused my credit score to go down over XXXX points!
Product: Credit reporting or other personal consumer reports

My credit was used fraudulently. I have filed an Identity Theft report again, as requested by Experian. I have submitted it to them via mail, however, they continually send me letters stating that they won't process the dispute because they don't think it's me submitting the letter along with the Identity Theft report. I am here to tell you that it is me. 

I am writing this correspondence because my last communications that was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all went unanswered. Im sure you understand that credit bureaus are mandated to follow the Fair Credit Reporting Act and under said act, you are REQUIRED to respond to all disputes and/or requests for verification of compliant reporting within 30 days. You have FAILED to do so and are now in VIOLATION of the federally composed Fair Credit Reporting Act. 

Per 15 U.S. Code 1681i ( a ) : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

XXXX XXXX has closed my account by saying that this account is risky and held my funds by saying that you are a victim of fraud, I completely agree with everything. 

I just want my money to be released by the company to me as a cashier check to my address. 

they have no rights to held my fund for so long, If company doesn't release my funds, please help me to file a legal complaint against the company and take my funds back. 

They are stealing people money by closing the account and saying you could be a victim of fraud. 

If i am a victim of fraud, who gave you right to kept my money, you are the one who did fruad with me.
Product: Student loan

I have received conflicting information about how my loans are being handled and it is impossible to speak to anyone about the matter. The loan service provider is XXXX and the Department of Education initially communicated that as a result of litigation loans were being placed in temporary forbearance, Contemporaneously, I got a notice from the Department that XXXX would continue to be the loan servicer on my account and to await a notice from XXXX. I had already received a notice in writing from XXXX informing me that my loans would be serviced by a new loan servicer and to await the new loan servicer 's instructions. 

A payment would be due today but I have no way of making the payment online, which is how I've made past payments. I also am unsure as to whether I need to make a payment or not, given the information about the loans being placed on forbearance. I also don't know whether XXXX is going to continue to provide service. XXXX 's platform now tells me it is but it still tells me to wait until I hear that the loan transitioning is finalized. XXXX told/tells me the old account numbers are not effective but I can not make a payment without an account number. 

First, I am ever so grateful that a portion of my loans was forgiven. However, I am concerned about the confusion, the inability to contact anyone, and XXXX 's track record processing payments on the rest of my loans, which in my case has been problematic. They have shown my payments as being " late '' when I pay on the day due. This is a recent development. They also do not give me the option of paying the amount due but always make me go through the loans a payment at a time. I like being able to elect to pay the loans a payment at a time because it allows me to pay extra. However, some times I need to make the payment due. 

I continue to think that the way these loans are structured with interest that increases the principal regardless of how much you pay is unconscionable. I have paid I'm pretty sure the original principal of all the loans- it's just that it keeps growing regardless. 

By the end of the pandemic interest free forbearance I had paid down all the additional interest due. Somehow, the principal has still managed to increase for some of the loans. These loans should be interest free. That's how you support our residents ability to pursue higher education. They shouldn't be seen as a way to make money for anyone. 

The United States has subsidized and come to the help of major moneyed financial institutions and oil companies and other institutions that have failed - these student loans don't represent failure- they represent success for the most part at creating and supporting an educated and informed citizenry.
Product: Checking or savings account

XXXX - every time I overdrafted my account on accident or had an auto pay bill come out that overdrew my account, Wells Fargo would charge the offending bill first, then other charges from the same 2 day span and charge me three to four overdraft fees in one go. They would only waive {$140.00} in overdraft fees per year, and I was easily getting {$500.00} or higher in overdrafts per year because of what they were doing. 

These days, they just return the transactions. But nothing was ever resolved from the unjust overdraft fees before. Im a low income, XXXX XXXX single parent with a XXXX XXXX  child. I cant afford the overdraft fees and am still reeling from them. Account is now closed but theyve done it to my current account once or twice too.
Product: Checking or savings account

4 month ago, I received a check from XXXX XXXX company to repair my roof that was damaged by hail. The amount of this check is {$31000.00}. I deposited this check via phone to my personal account in Chase bank, but it turns out the check was written out in my name, my wife 's name and the bank that gave us the mortgage. In this reason, Chase closed my account and did not release the money for repair. I sent the check from XXXX to my mortgage bank and 10 days later I received this check signed and sealed as it was required. I sent a copy of this check with the mortgage bank stamp to Chase and made inquiries with my banker multiple times. They promised investigate it, but until now they did not pay me and they did not return the money to the insurance company. This has been going on for more than XXXX months. XXXX weeks ago, it rained heavily, and my unrepaired roof leaked. I have problems in the kitchen and in family room. I need to get this money to eventually repair of my roof and I need money for repair of my home inside according the contractor 's report I got! Please, help me to get my money from the bank. I gave them all documents they asked three months ago ....
Product: Mortgage

Mortgage account XXXX and XXXX XXXX XXXX, 2015, Wells Fargo paid my property taxes, XXXX borough XXXX, block XXXX and lot XXXX and established an escrow account. This was done in error since I was not delinquent on my taxes. The payment by Wells Fargo created a credit on my property tax account and there ensued months of attempting to reconcile this error. I contacted the XXXX XXXX Department, XXXX XXXX, and confirmed there was now a credit on my account for {$970.00} since I paid and Wells Fargo paid the same bill. I contacted Wells Fargo and was told I had to pay back Wells Fargo the amount they sent to the Tax Dept. in order to get the escrow account deleted ; I sent Wells Fargo a check, as directed by XXXX XXXX, Mortgage Specialist at Wells Fargo, in the amount of {$1300.00} plus was told Wells Fargo filed a refund request with XXXX in the amount of {$970.00}. I was told once the city refunded Wells Fargo, the escrow would be deleted and I could resume property tax payments on my own. My last contact with XXXX XXXX was XXXX and he confirmed that the refund to Wells Fargo was processed by the XXXX XXXX and there was no longer a credit on my account. Here it is XXXX, and we are starting all over again : Wells Fargo paid my XXXX to XXXX 2015 tax bill and now are telling me that I am delinquent in my mortgage payments for XXXX and XXXX since the payments I sent could not be credited since there was an outstanding escrow balance. I have never been late with my mortgage payments but because there exists an outstanding escrow account, Wells Fargo will not properly credited my payments to my mortgage account, and are now considering me delinquent. I am now getting harassing calls for payment and XXXX XXXX has not answered my emails or my calls for over a month. I am sick over this since I fear my credit will be affected and quite honestly, I do n't know what to do. Every time I get correspondence from XXXX XXXX, the amount I have to pay them to satisfy the escrow changes. I am completely confused and feel I am in a nightmare of error that can not be resolved. 

I am in desperate need of assistance.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because XXXX XXXX XXXX XXXX XXXX, Transunion, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, and nonaffiliated third parties, have violated many Consumer Protection and XX/XX/XXXXXX/XX/XXXX and Privacy Laws. XXXX XXXX XXXX XXXX XXXX, is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This account needs to be deleted and permanently removed from the Transunion, XXXX, and XXXX credit file of XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

To Whom it may concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights. Because of this, BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you please delete immediately when the requested above deletions are made please mail me an updated copy of my credit report. I was also wrongly steered into forbearance by XXXX am also a victim Account XXXX : company name - XXXX  account # XXXX Account XXXX : ( company name + XXXX account # XXXX
Product: Credit card

On XXXX XXXX, I received several calls throughout the day from XXXX in which no voicemails were left, in the evening I was able to answer the call which was from Citi Cards stating my account was past due. I accessed my online account through XXXX bank and gave the representative from Citi Cards, XXXX, the check and transaction number paid to them on XXXX/XXXX/16 in the amount of {$100.00} and asked that she update the record to reflect that the account was up to date and to also avoid any negative credit bureau reporting and she assured me she would. Unfortunately, I have continued to get calls from Citi Cards, literally, every two hours for the past week and I have spoken to Citi 's other representatives XXXX, XXXX, and XXXX restating the above info and requested an investigation ( # XXXX ) only to continue receiving collection calls, as they persisted to state that no payment was received or processed. I offered to e-mail Citi Cards proof of payment from my bank in which they stated they were unable to accept e-mails only faxes, unfortunately I am unable to drive so that was not an option for me. However, I did inquire about my previous discussions with their reps to which XXXX confirmed the documentation was reflected in their records yet she was unable to answer why I was continuing to get phone calls from the collection department. I then spoke with my bank ( XXXX, XXXX XXXX to re-affirm the payment was processed in which XXXX confirmed the check was cashed but actually on XXXX/XXXX/16 and she offered to fax the proof of payment to Citi Cards ; to which I called Citi Cards again, having an average hold time of greater than 40 minutes, to request their fax number. I was informed by XXXX that she did not have any fax number to give me and the only thing she could do was to transfer me to, I believe the processing department, in which I waited 33 minutes only to be disconnected. I then called back and spoke to XXXX which willing gave me the fax number ( XXXX ) to the Payment Investigation Department and then had XXXX from XXXX fax them the proof of payment. I hope this last effort will resolve this matter as the tactics, poor communication, lack of cooperation, and the time it has taken me to try getting this issue resolved has been frustrating to say the least and I sincerely believe that I have been harassed in this situation in which I was forced to help the creditor resolve their erroneous processing of my payment and hope that such irritating circumstances can be avoided in the future not only for myself but other customers!
Product: Credit card or prepaid card

Synchrony Bank closed my account without a valid reason, and now they won't let me have the remaining {$2300.00} cashback balance on the account. 
I have not broken any of the rules of the card and my credit is really good, they seem to be only closing my account because the bank isn't doing well financially and this was an easy way for them to lower their exposure, even though I've been an excellent customer for a long time, always paying my bill on time and never missing a payment or doing anything wrong. I didn't lose my job or anything, I'm still working full time, so I'm not sure why they would even consider closing my account, and everytime I reach out to customer service they are unable to provide a valid reason.
Product: Debt collection

XXXX wrongfully sent me to collections without properly contacting me and doubled the payment amount owed second complaint I XXXX XXXX XXXX am not the responsible party for financial payment
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently disputed the inaccurate and incomplete items being reported on my credit report by XXXX and Experian and i need assistance in this matter, per 15 USC 1681 require that all information be 100 % accurate and complete before reporting. i have attached copies below
Product: Credit reporting or other personal consumer reports

Information on my consumer report from the company chekr has incorrect information concerning a case that was dismissed ; information has frozen my account with doordash thus not allowing me to be cleared to work with company as I did previously. Documentation has been sent to company concerning issue numerous times with no investigation results or updates.
Product: Credit card or prepaid card

On XX/XX/XXXX, we received in the mail a solicitation for a " No-Cost Direct Deposit '' prepaid Mastercard, with a card in the  name of our minor daughter. She has never worked nor applied for credit so I'm not sure how they got her info. The company is NetSpend & the financial institution is XXXX. The first number I found to call them was to opt out of future mail offers. XXXX I had no option or opportunity to speak to a person to complain that they were soliciting a minor, who can't enter into a contract. ( Therefore, soliciting a minor to enter a contract should be illegal as well!!!!!! ) The second number I found was a privacy insert for XXXX. XXXX This number was listed as " to limit our sharing '' or " questions? '' which I didn't feel as though was applicable. The third number I found was on the insert to upgrade to Netspend Premier.  XXXXNETSPEND When I called, I was promoted to enter the card number then told that since it wasn't active, I couldn't upgrade & was redirected to activate my card. Still NO option of speaking to an actual person, just all automated. The last number I tried was the number listed to activate the card, which I didn't intend to do but was looking for a person to complain to about them soliciting a minor. XXXX The first time I called, the auto answer told me I'd been selected to receive a special offer, then asked a bunch of questions about my vacation preferences. Finally, it told me I'd won a XXXX cruise at the low cost of {$55.00} per person. I declined. Then, it started a pitch on some kind of auto program. Honestly, I kind of tuned out to the details. All I wanted was to speak to a person! I also knew i would decline any offers. I was also looking through the 20 page Terms & Conditions for another number, as I had very little faith I would ever reach that actual person. When asked to accept or decline, I declined & the call disconnected. I immediately called back & the auto response was that " this call wasn't active '' in my area. I called a third time & the auto response was to ask me hit the # key for a directory. I hung up & called a fourth time & received the same auto response.
Product: Credit card or prepaid card

I took my car to XXXX for repairs. The original estimate was $ 400+ when it was time to pick up my car it had changed to {$1400.00}. XXXX claims they made those repairs without my permission and expected payment. Well things escalated, police were involved and I was told we had to resolve on our own or the DA ( district attorney ) would have to decide if charges would be filed against me. Not wanting to face the possibility of jail, I used my discover card and signed under duress which I noted on every page my signature was required including my receipt. I disputed it with Discover but was told that because the company submitted reasons for the charges they sided with the company. My issue is that XXXX didnt do the repairs as indicated and fraudulently charged us without making the repairs on the invoice. I dont believe Discover reviewed my case correctly.