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

I received my paycheck a day late, and I needed to pay bills that day. I went to the issuing bank ( XXXX XXXX  on XXXX XXXX ) and cashed the checks. I then went directly over to a Bank of America ATM ( XXXX XXXX branch ). I went through the cash deposit process. I deposited approximately {$3200.00}. The machine was taking a while, then it changed to a screen saying we were unable to count your deposit due to technical difficulties. It then took me to another screen and asked me to give an estimate of my total deposit. I wrote XXXX. It then deposited only {$300.00} into my account. I received a receipt with a claims number to call. I filed the report and was told itd be a day or two. I still havent received my money. I have since overdrafted my account and I am late on important bills. A quick internet search revealed that this happens quite frequently, and people dont always get their money back. Id like to see the ATM footage of me depositing cash. This missed paycheck would really mess up my life.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account. 
Experian, XXXX. XXXX 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 writing instructions.
Product: Credit card

WF credit card services have been extremely difficult to work with despite their previous promises to " work with me '' to get this card paid off. The rep, XXXX, who I was working with has failed to return any of my messages and every time I call in, the supervisors are in meetings or office line. I have tried for months to find an amicable solutions and despite their hyperbole they have not met that expectation. They have shown incompetence, greed and unwillingness to compromise.
Product: Credit card or prepaid card

Citi Bank Visa ( Cost card ). I did not activate my card. They charge the card for my Costco membership. I Called them and told them that I did not activate. They told me they that because I applied for the card that I agreed to put my " next time Costco membership '' on the card. I was upset about this - also .... I have to admit that I did not look at any bills -- just through away any junk mail - because any card that I have not activate I'm thinking is junk mail. Well... I guess I should not of???? I was charged, however, this is not why I'm really upset. It's because I called them ( after I randomly opened up one of junk credit card solicitations ) and found out that I had a bill with late fee 's. I ended up calling them and explaining my experience. They told me that they could not help me and that I owed them. I ended up paying them and told them to close my account! I was not happy but I just wanted to forget the experience. Later I got another bill from them, however, I was thinking that their billing was behind or they had made a mistake because I paid my bill and closed my account. To make a long story short, they ended up charging again for late fees. Mind you this is not just late fees the first time ( plus the bill ) but late fees again after I closed my account. I have them on recording this time so .... I think I'm pretty safe if they do it to me again. However, I'm not taking any chances. That's why I'm contacting you! Sincerely, XXXX XXXX ( unhappy with CitiBaks ethical practices ).
Product: Debt collection

On XX/XX/2022, I contacted Portfolio Recovery requesting for them to validate a debt that they are saying I owe them. I requested for them to provide me a copy of the original contract between the original creditor and myself and also to provide me with a copy of the purchase agreement between them and who they say the original creditor is. As of date they have not provided me with this information they keep sending me letters/statements saying that I owe {$310.00}, that however does not prove to me that I owe this company whom I've never done any business with any money, but they are still reporting on my credit bureau even though they have not been able to proof that I owe them any money or that they have legal rights to collect any monies from me. Your assistance in this matter is greatly appreciated. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Checking or savings account

They closed my account due to PPP Loan being deposited I was not told warned and now my money is in my account and they just closed it stating due to the loan going in to my account they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi my name XXXX XXXX XXXX live in XXXX XXXX XXXX XXXX XXXX XXXX ga, today i am wrinting to cfbp on this credit refort. i am try to talk to experian about 2 month now i still not getting anywhere. in this is all company that pot in my credit report all hard inquiries that i only one to check to see am i qaolify or not .what i understand that if sofrt inquiries.that they are not in hard .but soft here some of the company 2 XXXX XXXX XXXX on my experian XXXX XXXX XXXX XXXX tx XXXX they have 2 in there in one month i wan them of 2 discover financia 12 reads way new castle de XXXX same thing i tall them to take of but they not do it XXXXXXXX XXXX XXXX XXXX XXXX de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX .ca XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX az XXXX all this company i talk too they tell me nothing they can do only credit bereu can take is of they cant sol today i talk to experian agianXX/XX/2021 the bereau toll me they cant do anything
Product: Debt collection

I have contacted this company by mail and they have not removed this debt when i asked for verification of debt. This is illegal
Product: Debt collection

I am not liable for the debt with XXXX at XXXX XXXX XXXX. I do not have contract with Fair Collections and Outsourcing Inc. They did not provide me with original contract as requested
Product: Credit reporting, credit repair services, or other personal consumer reports

Today i
s XXXX XXXX, 2017. I 'm trying to get a mortgage and I 've been unable to lift the security freeze I have with Equifax over the phone or online because their systems keep crashing. I 've tried to get through to Equifax 15 times in the last 72 hours. Their phone line and website have crashed. I called last Thursday ( XX/XX/XXXX ), before I knew about the hack and someone from Equifax told me to mail all of my personal information to them, including my address, name, SS #, DOB, a
nd PIN code to unfreeze my account. But then I learned of the hack and I did n't feel comfortable sending all of this personal information to them through the mail. Everyone knows they 've been hacked and it would be too easy to intercept a letter addressed to " Equifax '' that has all the information they 'll ever need to steal my identity.
I should n't have to mail all of the information to Equifax that I have been protecting by placing the security freeze in the first place. Now I 'm at risk of losing the home I 'm in contract for because I ca n't access my credit information. This is a DISASTER.
Product: Credit card or prepaid card

This is a story of both personal accountability and corporate negligence. In XXXX, XXXX, with $ XXXX in my bank account from selling my home, I went to a store to finance a couch set for 12 months at no interest in the amount of {$2800.00}. The store ( XXXX XXXX XXXX, NC ) used TD Bank d/b/a XXXX I received my statement and input my account number and routing number intending to pay $ XXXX to pay it off in roughly 6 months. My payment never processed, and I was told I was late. I am never late. I called the company to remit the payment over the phone. To my surprise, that did not work either. Frustrated, in XXXX, XXXX, I called to remit the payment in full which was now up to approximately {$2900.00}. That was not returned either and I was told there were no issues showing on their side with the account. It's also worth noting, that I could not see what the issue was either as the Acc/Routing numbers are semi-redacted with " XXXX. '' Fast forward to XXXX XXXX, XXXX, I ended up remitting a total of {$3400.00} after re-submitting my account information. Remember, I at all times had the money t0 pay for the couches in full. I am fortunate to make a six-figure salary as well. 

Present day -- I am applying for a home loan and see that my account was marked " derogatory '' for failure to make payments on time. I was and am livid. How could this be when I attempted so many times to pay the couch in full? Well, after 7-8 phone calls with pleasant but unhelpful representatives, I find out that there was one digit incorrectly input in my original input from XXXX, XXXX. That one digit was the source of my late payments, NSF assessments, and ultimately, a " derogatory '' account mark on my and my wife 's credit scores. I was previously above XXXX and am now in the XXXX 's. I am being forced to pay an increased loan origination fee of roughly {$3700.00} with my home lender because of this derogatory account marker on my account. 

It seems to me that a consumer finance company should have measures in place to assist customers that actively try to pay their credit card accounts but experience typographical or technological issues. I received no phone call, email, or any indication during any of my multiple phone calls where I voluntarily tried to resolve the issue. And now, the company has made an additional {$600.00} from the late fees, and I am being cost {$3700.00} more that I would not have had to pay otherwise. 

My complaint is based in failure to diligently assess customer behavior. I was very clearly attempting to make my payment. But that was of no consequence to this company. It's a sad world where companies destroy peoples credit and unfairly cost them money. I had all the best intentions, apparently made an error, and now I will pay almost {$4000.00} plus additional interest over the cost of my 30 year home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX  Balance : {$26000.00}.
Product: Mortgage

Dear Sir/Madam, Listed below are the facts of our complaint in the order of occurrence against Nationstar Mortgage LLC ( XXXX XXXX ) XXXX, TX XXXX for failing to post mortgage payments to our accounts mentioned in the documentation. Even-though our monthly payments are always sent out on time, Nationstar Mortgage LLC is not keeping the accounts up to date. However, late fees are applied monthly. Nationstar Mortgage LLC does not respond or corrects the problem after numerous letters were sent to several of their departments, including the Executive Vice President Of Servicing ; see listed below and attached copies of correspondence : XXXX/XXXX/XXXX forwarded letter to Nationstar asking to post mortgage payments made to accounts XXXX and XXXX on line ( XXXX/XXXX/XXXX ), and to remove late fees and derogatory remarks from loan 's history ( see attached copy of letter ) payments were made on time. Nationstar monthly statements do not reflect the payments made. 

XXXX/XXXX/XXXX forwarded letter to Nationstar asking to post mortgage payments made by check to accounts XXXX and XXXX and to remove late fees and derogatory remarks from loans history ( see attached copy of letter ) payments were made on time. Nationstar monthly statements does not reflect the payments made. 
We have sent out monthly letters to Nationstart Mortgage LLC since XXXX XXXX when they removed the automatic monthly withdrawal we had set-up on line. 10 months have passed by and Nationast continues to delay the posting of the monthly payments o ignore the posting. Also, adding late fees. We have receive threatening calls from the Nationstart staff, demanding money, threatening of foreclosure, damage to personal credit, etc. very unprofessional people, not willing to resolve the problem, only interested in making the issues worse. Attached are copies of all the correspondence we have submitted to various Nationstar 's departments and sent to several staff.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I sent {$1800.00} via Cash App to a known recipient. I received a confirmation that the transaction went through, but there was a delay on Cash App 's end and it would be sent shortly. 

After contacting the recipient, they did not receive the funds. Eventually, I saw that the transaction was listed as " Failed '' in the app. I also saw that my bank account had a {$1800.00} hold for this transaction. This was understandable, but I expected it to be removed soon after. 

I then reached out to Cash App via their in-app chat function. They eventually responded and told me that the transaction was " declined by my card-issuing bank '' and suggested I contact my bank. I contacted my bank ( XXXX XXXX XXXX ) and they quickly confirmed that there were no canceled or declined transactions and the {$1800.00} would be processed and completed despite Cash App saying otherwise.

This has now gone on for a full week. Each person as Cash App refuses to acknowledge the evidence and documentation I have provided proving that XXXX XXXX XXXX has not declined a single transaction. They offer no help aside from generic, copied and pasted replies, and have taken no responsibility or accountability for this fraudulent activity.

In addition to telling me repeatedly that the transaction was declined when it in fact was not, they have also told me it's been canceled on their end ( it was not ), and just this afternoon claimed that the transaction went through ( it did not ) and that I can only recoup these funds from the recipient ( I can not ... because they never received them ).

I am not missing {$1800.00} and Cash App has held these funds hostage. Their phone support is too busy to accept calls, their in-app chat support responds after several hours and offers no tangible help, and their email ticket system takes days to receive a response which is never consistent with the questions I am asking.

I need Cash App to take responsibility for their fraudulent actions and negligent customer service, and return my funds immediately along with a formal apology from a supervisor.
Product: Credit reporting or other personal consumer reports

To Whom it may Concern, I am devasted to discover that fraudulent accounts have been opened in my name at XXXX XXXX and XXXX due to the recent equifax data breaches. To make matters worse the information that is being reported is inaccurate by every bureau reporting fraudulent accounts. As a hardworking american and father, I've always strived to maintain a clean credit history. Please help me by removing these fraudulent items from each of my consumer credit reports. I have tried to take care of this my self however the bureaus are not responding to my requests via priority mail or picking up my phone calls. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Verification XXXX XXXX XXXX XXXX XXXX XXXX Mistaken Identity Identity Theft I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

about 2 months ago i received a copy of my credit report and noticed several accounts that are listed on my report that i never apply for and never used and never received any benefit from. i disputed these accounts and refused to removed them all these accounts are the result of identify theft XXXX XXXXXXXX, {$9500.00}, ( XXXX ) XXXX, XXXX XXXXXXXX XXXX, {$840.00}, ( XXXX ) XXXX, XXXX  XXXX XXXX, {$1100.00}, ( XXXX XXXX XXXX, XXXX XXXX, {$5000.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$1100.00}, ( XXXX ) XXXX, XXXX XXXX, {$51000.00}, ( XXXX ) XXXX, XXXX XXXXXXXX, {$1500.00}, ( XXXX ) XXXX, XXXX  XXXX XXXX, {$910.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$490.00}, ( XXXX ) XXXX, XXXX XXXX  XXXX, {$420.00}, ( XXXX ) XXXX, XXXX
Product: Credit card or prepaid card

Amazon.com is forcing us to use their credit cards. Says i applied for a credit card they are endorsing online. I did not. Next thing I know I am getting bills in the mail from amazon.com endorsed synchrony bank. Amazon accused me of applying. I did not. We only want our own credit card to be used on the amazon website. 

Amazon will not retro charge. Dealing with synchro bank legitimizes their fraud and Amazon supports them and feels no fiduciary responsibility to listen to me when I tell them that I am fraudulently being forced to work with a bank that I never applied for a credit card for. 

Furthermore, they do not give us information on their transaction letter of how to cancel the card. When I informed synchrony that we did not apply for their credit card, they disregarded my red flag and only cared about paying a {$68.00} charge ( which should have gone to my credit card ) and gave us no recourse to report and cancel the fraud. They won't even help us report and cancel the fraud. Their billing statement offer no recourse to report the fraudulent account. 
I expect more from Amazon then this. I believe Amazon is forcing customers to use their endorsed credit cards while making it extremely difficult to leave entrapment.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times, today XX/XX/XXXX was the latest in my attempts to have XXXX credit card update status on all 3 credit bureaus with correct account information. My account is reporting as closed with a balance owed of {$180.00} as of last date reported XX/XX/XXXX, and current since XX/XX/XXXX. This information is false my account is open and current balance of {$160.00}, upon reporting this to XXXX XXXX they charged me with writing them a later stating that my account is showing as closed on the 3 credit reports, but they are the ones reporting this incorrect information.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California [ XXXX ] GM FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom It May Concern : I recently have received a copy of my ( XXXX, XXXX or XXXX ) XXXX report and, I have noticed it is reporting my EXPERIENCE with your company. The line of credit I have with your company, Which is characterized as Utilization on my consumer reports. GM FINANCIAL IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! GM FINANCIAL ACCOUNT # XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions- Except as provided in paragraph ( 3 ), the term Consumer Report does not include ( A ) Subject to section 1681s3 of this title, any ( i ) Reporting containing information solely as to transactions or experiences between the consumer report and the person making the report ; THE LAW CLEARLY STATES : Transactions or experiences between the consumer ( XXXX XXXX ) and the person ( YOU ) GM FINANCIAL Making the report is NOT INCLUDED on my consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ GM FINANCIAL ] that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included in my consumer reports! YOU HAVE VIOLATED THE FCRA 15UCS 1681a 2a ( i ) by reporting this transaction or experience ( utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORT. You have 10 calendar days to update my utilization to 5 % or below and or delete all utilizations from the below account/s [ XXXX ] Failure to respond satisfactorily with deletions of the above utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent Non-Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair credit reporting act 15usc 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15U.S.C.1681n ] Best regards XXXX XXXX
Product: Checking or savings account

I am trying to link my business checking account to my new online payroll company, XXXX via XXXX. The alert I received when trying to sync the accounts is that PNC made changes that prevents my account from linking.