23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called XXXX  and wanted my service transferred to my new address by XXXX/XXXX/20. They weren't able to do it until XXXX/XXXX/20. I then didn't have service for 4 days. On XXXX/XXXX/20, a technician showed up at my new home and was unable to " transfer '' my service. He stated because it was a new construction townhouse, and it seemed that they didn't run the proper line from the main box to my home that a field technician would have to come do the work. I then called XXXX back to explain what he told me. He also put in a work order and said it could be a few days before they returned. On XXXX/XXXX/20, another technician arrived and was also unable to run a new line, stating that there were wrong connections located in the main box and that would prevent him from connecting my line. I had been previously informed that they would be digging under multiple driveways to get to my home. They did no such thing and didn't have the equipment to do the work in the first place. He then called in another work order and said I would have to wait again. I was very frustrated and started that I was going to cancel due to the lack of still having no service at my new home. He told be to keep the account open and if I closed it then they wouldn't come back out. On XX/XX/20 another tech showed up and said that the line was run properly, but they didn't know where to look for it since it was buried. He then ran the line to my garage, left this hideous orange cable ( approximately 3 ft ) curled up in from of my home. He said I would need to call again and have a technician come connect my service on the inside. By this time, I had been without service for 8 days. I then called to cancel, but they wouldn't let me do so until I returned their equipment. On XXXX/XXXX/20, I returned the equipment and canceled in person at one of their locations. I then called customer service to followup and make sure that knew I canceled. They confirmed that they had their equipment and my account was closed. Some time passed then I started receiving a notice that my account had a balance due. I then called to ask about this. They stated that the amount due was for the month of XXXX. I then told them that couldn't be possible since I had no service from them during that time. I explained to them what happened on their end, and I shouldn't be charged for services not rendered. I then asked to speak with a supervisor. He also stated that I owed the money and that once a bill is " printed '' they can't retract it, and said " It's due and payable. '' I again said that this was no fault of mine and shouldn't be charged for the month of XXXX. He ten said that if I don't pay it then they would turn me over to collections. I then started seeing an obscene amount of phone calls started at 8 a.m. till 7 p.m. at night for months. They have since turned me over to a collection agency. Now they are calling me unrelentlessly. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled my credit a while back an saw all these accounts that didnt belong to me. So i reached out to the companies to try and get it removed but i was no success. The following accounts are not mines : XXXX XXXX opened XX/XX/XXXX {$14000.00} XXXX XXXX Opened XX/XX/XXXX {$560.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$300.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$75.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$120.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00}
Product: Debt collection

On XX/XX/2020 I sent a dispute letter to LVNV Funding, XXXX  and XXXX  credit bureau regarding a collection/charge-off that was opened in 2020. XXXX and XXXX  is listed separately on my report with 5 inaccuracies. XXXX  isn't reporting on this account at all. It is well over 30 days and there is still 5 inaccuracies listed on the account and it hasn't been updated or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I was placed on a deferred payment arrangement, for 24 months, totaling a monthly payment of {$3300.00} per month. My original monthly payment was {$2700.00}, before the deferred arrangement. 

I have continue to make my monthly payments on time, I have also made additional payments during this period of time. 

Citadel transferred my loan to their XXXX XXXX Citadel XXXX in XXXX, therefore the situation only got worse. I have made hundreds of calls trying to address they're mistakes. 

1. They were not reporting payments made to the credit agencies. 
2. they reported me late in XX/XX/XXXX. 
3. They did not honor the deferred payment arrangement and reported me as late to the credit bureaus.

4. My credit score has dropped 169 points.

5 My mortgage states still shows the full amount of the deferred amount as due.

6. They are also charging me for hazard insurance.
Product: Debt collection

XXXX XXXX in XXXX XXXX, CA wouldn't adjust my charges despite appeals that they were grossly over-stated. I ultimately paid the bills because the collection agency threatened my credit score if I didn't pay. The collection agency, California Business Bureau ( " CBB '' ), said that they would not make derogatory claims to the credit agencies if I paid the balance and any derogatory notices to the credit reporting agencies would be rescinded from my record. That still hasn't occurred and my credit score is suffering. They made 3 " Major Derogatory '' claims against my credit on XX/XX/21, XX/XX/21 and XX/XX/21 - all of which were excessive and have not be rescinded.
Product: Credit card or prepaid card

Synchrony Bank XXXX : To whom it may concern, I have been through a horrific experience with Lowes/Synchrony during the past 10 years dealing with this flooring installation matter that happened in XXXX and thought it was resolved, but here we go again, it is still biting me in the butt as it shows unresolved. Here is what happened as a quick overview : Purchase new flooring/installation from Lowes in  XXXX They offered me interest free financing It took them an additional 4 months to install after breaking toilets and having issue with product They extended my interest period and offered discount to remedy Interest Hit!!!! 
Went to Lowes, they just switched banks to Syncrony, said they would fix it would take a few weeks After multiple visits and phone calls to them, I actually witnessed them acknowledging to Syncrony bank of their mistake. Synchrony/Lowes says it would be fixed fast forward Still not fixed Bounced around multiple execs/higher ups/ said they would look into nothing I pay all my bills, at this point, it was just the principle of being screwed over Nothing happened, wasnt fixed Fast forward to XXXX Buying home They recommended me paying minimum payment toward account as it was showing negative impact on credit until i got house Tried to resolve again after buying house last attempt.. Talked to managers reps you name it, NO Resolution promises, but nothing. 

It still shows up as I did not pay. I paid in full and god knows how much over what I was actually supposed to pay. I want to get this resolved as it is reporting completely false once and for all.

I am even willing to pay {$250.00} out of my own pocket to remedy this situation as a worst case scenario. Please show me that you care and remedy this situation asap. 

Best, Lowes-XXXX This is the letter that I was told to mail. I sent 2 followed up with emails and phone calls. I was hung up on twice and they would not let me speak to anyone in a management position that would have the ability to help. I've also disputed this through a third party credit specialist company 3 years ago and 3 times in the past 2 months with XXXX  & XXXX XXXX. During that time, they actually hit my credit report with an unauthorized 30 day late payment that dramatically affected my credit report by -40 pts. They did resolve that after an email & additional dispute, but still had a detrimental effect on my credit report.

This judgement is placed purely in principal and it will not waiver. As you see my credit report it shows approximately 45 accounts in superior standing and only 1 that has been serving me unlawful injustice for the past 10 years. 

Please help!
Product: Credit reporting

I was a victim of ID theft approx XXXX years ago and the key perpetrator was caught and convicted, yet there were other instances where my ssn and/or my name became associated with another individual. The most recent example was when attempting to confirm my identity to access my XXXX XXXX account, they used a XXXX product from Lexis-Nexis to try to validate my identity. Lexis-Nexis asked that I confirm city of residence of someone that I have never met and proceeded to deny my access because I declared that I did not know this individual when their records indicated that I should. I looked at available options to correct the data Lexis-Nexus maintains, but only options offered is a copy of a report that I already know has inaccurate data, which even for this requires much too much effort on my part to access my own information that they sell to others for a fee. 

While I can not proactively scan the world to see where else data on me is not correct ( e.g. when opening an account with XXXX Bank XXXX weeks ago their system showed my ssn associated with someone else ), when I find specific examples I need assistance to remedy. 

Please advise, anxious to clear up issues wherever I can. 

Thank you
Product: Debt collection

Debt Collector Company : Transworld Systems Inc. 
-spoke with : XXXX XXXX -phone : XXXX Medical Provider : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -spoke with : XXXX XXXX : XXXX Insurance : XXXX XXXX XXXX XXXX XX/XX/20 XXXX -Letter received from debt collector for {$120.00} XX/XX/20 : -I paid in full to prevent reporting to credit bureau but found out that provider billed insurance incorrectly. 
-I asked for and received full refund from debt collector while provider reprocesses insurance. 

XX/XX/20 : Provider reprocessed claim and new amount I owed was {$0.00}. They removed my name from debt collector list and notified debt collector via email XX/XX/20 : -Debt collector calls me saying I owe them money for {$120.00} this time for same date of service. 
-I called my insurance who verified that I owe {$0.00} and sent me explanation of benefits -I called provider who verified that I owe {$0.00} and will make sure I am removed from their debt collector list but refuses to call debt collector directly to resolve the issue. 
-I called debt collector who says I still owe them money and even though my account is in dispute status, they may report me to the credit bureau , permanently affecting my credit. They refuse to contact my provider directly to resolve the issue.
Product: Checking or savings account

On XX/XX/2022 I was asked by a friend to cash her Social Security check. The check was in the amount of {$750.00}. I had her sign check over and went to my local branch and deposited check into ATM as I do with all my deposits. The check was not made available ( did not clear ) for 7 days. Once cleared I withdrew cash and gave to my friend. 

on XX/XX/XXXX I called to check my balance and my account was negative over {$750.00}. I called the bank to see what happened and I was informed that this check was previously cashed by another bank and they had deducted funds from my account to cover. I immediately grabbed my friend and visited the branch office to speak with a manager. There was none on duty, however, the tellers proceeded to tell me this was my problem and nothing I could do. I asked for a copy of the cancelled check which I was given. On the back of this check there is no other evidence of a prior cashing activity. I was given the name of a XXXX bank that was the entity that cashed the check prior, but no further information was given. Since then I have spoken to a branch manager over the phone, and visited three different branch locations to attempt to get help with this issue. I was treated poorly and consistently told there was nothing I could do. 
I then decided to research the federal reserve laws on line and came across a law put into affect to aide in disputes from mobile and ATM deposits called the Check XXXX XXXX. this states that the initial bank did not make " known '' the check was cashed, therefore, they would be responsible for the duplicate cashing not me. I brought this to the attention of my bank and I was told to get a lawyer. I am not rich, can not afford a lawyer. My account remains negative for 24 days while I have tried to resolve this issue. I have incurred bounced checks and fees from my creditors as well as the through my bank itself. They are now proceeding with collections and collections calls. I have no information to report fraud, or make claim with police because no one will tell me anything. I would like all of my money back including all fees both with in account and from my creditors charging me bounced check fees. 

In my experience an check put on hold for 7 days is so it can be investigated that it is ; 1. a good check. 2. Has the funds available to pay!! Once it is " cleared '' it should be all set. Three months later with no prior notice, all of a sudden there's an issue. My bank could have taken a year to clear this check if they needed to. Once clear the customer ( me ) should be able to use those funds with out fear of later recourse and all because of technology and mobile deposits and ATM deposits. If the checks can not be verified they should not be accepted in this manner!!!! Please HELP ME!
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX  XXXX XXXX
Product: Bank account or service

Unethical billing practices, no resolution. I have counted over XXXX overdraft and/or NSF fees within 2 months. I have decided not to use Wells Fargo for anything and have chosen to discontinue my direct deposit due to them pretty much robbing me constantly. They give you a false account balance and also have payments come out sometimes a week later, when there are not enough available funds in the account to cover, resulting in numerous overdraft fees. They mistakingly charged me a few times and realized the mistake but other than that, they never want to resolve the issues. If the funds are unavailable in my account, why do they continue to let any bill payments or merchants charge me, they let the fee ( s ) go through, then they reject them all the while charging me a overdraft fee as well as NSF fee, this is ridiculous.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter regarding inquiries with Equifax and received a letter that they deleted the inquiries but the inquiries are still reporting on my credit.
Product: Credit card

I received an inquiry in my credit card that new accounts were opened in my name from capital one and syncb/amazon card XXXX I contacted all the credit unions to dispute them. I with an experience fraud dept agent were on conference calls where they said that they have marked the accounts as fradulent and they will send me a resolution letter when their investigation is done. I did not receive anything yet. The hard pulls resulted in a XXXX point drop. XXXX asked me to file and get a letter using reportfraud.ftc.gov and that website led me here.
Product: Credit reporting or other personal consumer reports

I have an old account with XXXX XXXX  that is a charge off account on my credit report. They told me that if I wanted the balance to be reported as a XXXX balance that I had to mail in a check to them at their company po box and wait 7-10 business days for them to update the balance on the account. I mailed XXXX XXXX  {$1000.00} on XX/XX/year> and I paid the post office additional money to have them sign for the check, and for a tracking number so I can see when it was delivered. The check was delivered to their XXXX XXXX XXXX XX/XX/XXXX. It has now been 12 business days and they are reporting that they received the check, but they don't know where the check is. This is extremely confusing. They have a team that is unorganized and unprofessional, there is a communication barrier and just a lack of concern for my situation. I have submitted an overwhelming amount of proof that I sent the payment in, they admitted it was delivered to their po box but they are still not updating the balance to XXXX dollars. I am in the process of buying a home and they are holding up the process and they have no sense of urgency to handle my concern no matter how many times I call. I have disputed this with Experian multiple times and they have not addressed the situation correctly either and they are not considering the evidence I have presented to them. XXXX XXXX  or XXXX as it shows up on my credit report has the money I sent for my past due balance but they are not updating my balance to XXXX and now they are saying the money is lost and I have to contact their money investigation department via fax instead of letting me speak to them on the phone or just letting me cancel the check and pay over the phone to get this over with. XXXX XXXX  has an outsourced customer service team that are in another country and the customer service experience is terrible. They are cold, harsh and unprofessional. I haven't seen any compassion or concern each time I called. It's like they know they are keeping my credit score from rising and intentionally stringing me along even though I paid the account.
Product: Credit card

I am writing to file a formal complaint against Citibank regarding their handling of a credit card dispute that has been ongoing for more than 1 month. Despite providing ample documentation and evidence to support my case, Citibank has continuously ignored my efforts to resolve this matter and has taken no meaningful steps to investigate or address the dispute in a fair and timely manner. 

Dispute Reference Number : XXXX Background Information : I have been a loyal Citibank customer for 12 years and have always maintained a good payment history. However, my recent experience with Citibank 's credit card dispute resolution process has been extremely frustrating and disappointing. 

Issues and Concerns : Lack of XXXX : Citibank has failed to acknowledge or respond to my numerous attempts to communicate and resolve this dispute. 

Ignoring Documentation : Despite providing clear and compelling evidence to support my dispute, Citibank has not taken any meaningful steps to investigate or address the issue. 

Requested Actions : I kindly request the Consumer Financial Protection Bureau to investigate my complaint and take the following actions : Initiate a thorough investigation into Citibank 's handling of my credit card dispute, ensuring that all provided documentation and evidence are reviewed and considered. 

Require Citibank to provide a detailed response to my dispute, outlining the results of their investigation and a clear resolution to the issue. 

Ensure that Citibank takes immediate steps to correct any inaccuracies on my credit report resulting from this dispute. 

If Citibank is found to be in violation of any applicable laws or regulations, take appropriate enforcement action to hold them accountable. 

I appreciate your attention to this matter and request your prompt assistance in resolving this dispute. Your intervention is crucial in ensuring a fair and just resolution. 

Thank you for your time and consideration.
Product: Credit card or prepaid card

After trying to reach a resolution with Navy Federal Credit union, it seems that in their previous response no answer was given on the steps being taken to remove these accounts from my name and the identity theft that has occurred. Previously i tried to notify Navy Federal Credit Union, that i have not ever applied for Membership with their Credit Union. I did not apply for any credit cards, and i have not applied for a checking or savings account. These accounts were opened as a result of Identity theft. I will attach the FTC Report. Navy Federal isn't taking any steps to resolve this issue and as a matter of fact they think its more or less a joke. I do not find Identity Theft a joke and do not find it funny. I even notified them by letter that i was a victim of ID theft and that i believed accounts were opened in my name. Additionally i did not allow permission for anyone to add me as an authorized user on any card this is also fraudulent. I notified their credit union promptly. Nothing has been resolved and they are showing two charged off cards and one card on my credit report as an authorized user. I did not use these cards to benefit. I did not apply for these credit cards or membership this occurred online. I did not give authorization for these credit cards. I want this resolved. You already attempted to send the Police department to my home for Elder abuse? This again is harassment first of all, the cop was stunned to learn that the person you said i was alleged abusing doesn't even live in my home. I advised the police officer that, and also advised Navy Federal has caused harassment to me and my entire family. This is the third case of Elder abuse they attempted to turn me in for, and lost every single time. Stop trying to harass me and my family. Remove the fraudulent accounts from my name and my liability. I do not care who your director of security " XXXX '' is and i do not care he used to be a police officer as he stated to my mother, and once again threatened her to visit her home. Then advised her he will turn me and my mother in for Elder Abuse. He attempted to do so and had the police department come to my home on false accusations. Again this is harassment. You can't send police to my home when you have no applicable cause. I want the CFPB to look into the way Navy Federal is treating people, especially victims of Fraud they treat them like dirt and harass them, threaten them and even go as far as to show up to your home. This is scary and you should not have to feel threatened from a Financial Institution.