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

On XX/XX/2021, Citi Bank closed my account because they said of fraud violation committed. I have called multiple times and no one has been able to tell me when, where or even how I committed fraud on my account. I had XXXX on my account, Citi Bank withdrew {$7400.00} from my account leaving {$1.00} balance. End of XX/XX/2021 I received the {$1.00} in a check and not the {$7400.00}, I have since called Citi Bank about the missing money and they keep saying they dont know why I wasnt issued a check for the {$7400.00}. They have been unable to tell me what happened with the money. I have filed multiple complaints to which I have not received an answer other than my account balance was {$1.00} and they sent me a check for {$1.00}. I have called and spoken to multiple people at the Citi Bank branch at XXXX XXXX XXXX XXXX, CA XXXX. Not only has their assisting manager been horribly rude acting like I am asking her for her money, but I received the same answer as the representatives on the phone. They dont know where the money is and a request has been sent to see where the money is. Absolutely horrible service!
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Truist sent me a letter but the font is very small and I can't read it. I tried calling Truist, but they deny all knowledge of the letter. I took the letter to the bank in person and they told me it indicates that I have an account that was not fully closed ( as I requested more than a year ago ). However, they are not able to assist with it. Truist gave me all kinds of problems closing the accounts last year and are still refusing to close this last one.
Product: Credit card or prepaid card

I ordered a refrigerator and stove on the XXXX XXXX website on XX/XX/XXXX. The purchase was made through XXXX XXXX XXXX because the delivery address was my mother 's house in XXXX. I used my Chase Bank credit card to make the purchase. n XX/XX/XXXX, I learned via a XXXX XXXX email that only the refrigerator had been shipped. Days later, I got another email from XXXX XXXX saying that the purchase of the stove would be reimbursed to my card because it was no longer available. The refund process was estimated to be completed within 10-15 days. Nevertheless, as time passed, the balance kept displaying on my account. I contacted Chase, and I continued getting messages in response advising me to speak with the merchants to inquire about the status of my refund and noting that they have up to 30 days to complete a credit. The XXXX XXXX noted that the refund had been fully processed, and I informed my bank of this. Chase became unresponsive, and I received notifications that my case was still being reviewed. On XX/XX/XXXX, I received a letter from Chase informing me that my dispute was valid ; however, no errors were found on this transaction, so the balance would remain in my account and would be reported to credit reporting agencies. I paid the balance because I did not receive a resolution and did not want to harm my credit. Please advise what additional steps I should take.
Product: Student loan

In XX/XX/XXXX I closed my XXXX account where my XXXX loan payments were drafted automatically every month without any delay. At that time, I setup through ECSI 's website an automatic payment to be drafted from my XXXX account starting on XX/XX/XXXX even increasing my minimum payment of {$59.00} to {$81.00}. I noticed that my account was drafted on XXXX and assumed that I had setup correctly the automatic payments. On XXXX XXXX I received a call from XXXX ( XXXX XXXX ) stating that the XXXX payment has not been received and I was due XXXX, XXXX and a fee of {$30.00}. Immediately, I called XXXX and spoke with a representative by the name of XXXX and explained him that I tried to setup through their website the automatic payments, and please go ahead to take my new XXXX account information where the monthly dues were to be drafted. He advised it had been done and starting XX/XX/XXXX at that time I went ahead and made a payment through the website for {$150.00} which represented XXXX, XXXX and the late fee. In XXXX XXXX I called again because I received another call and when I called back I spoke with XXXX. She advised that the XXXX payment was still missing and that I owed XXXX ( again ), XXXX ( in XXXX ) and another {$30.00} fee totaling {$210.00}. At that moment I requested automatic payments to stop thinking that XXXX had declined the transaction. I went ahead and called XXXX to ask for an explanation where they told me they had not received any request to debit my account from XXXX or XXXX. Then I called back to ECSI and was advised that they tried again to collect in XXXX from XXXX and could n't collected the payment ( even when I had specifically asked for that account to be removed from the system ) and that the payment I submitted of {$150.00} did n't cover the XXXX payment because it was applied to interests and I was due XXXX, XXXX and a fee of {$35.00}. Note that I have not been late since I started with this loan. I see this as a very unfair practice from this lender and I recommend the CFPB to look into this as they are collecting fees unfairly from their borrowers due to a mistake in the way their system is configured and poorly trained representatives. Such fee I have been advised twice that is not possible to be removed. I am supposed still to receive a call from a supervisor in XXXX business hours. I appreciate your time.
Product: Debt collection

on XX/XX/XXXX the loan was pay off XXXX. Numerous and threatening phone calls where made to my job.
Product: Checking or savings account

On XX/XX/XXXX I applied for a loan with a company called XXXX whom identifies themself as a division of XXXX. Over the course of several phone calls and emails we agreed on the details of the loan and one of the last steps was to verify my banking information. The fraudulent company ( XXXX ), sent over a link and stated they would make a small deposit and it would be pulled back to verify my Navy Federal account the funds were to be deposited in. The temporary deposit takes place but on a larger scale. The individual at XXXX says they deposited {$1700.00} and cant pull it back. They go on to state that it needs to be transferred to an account within Navy Federal under the name XXXX XXXX and provide the banking information, which I have no clue who this individual is. I was thinking the funds arent mine so Ill follow through with the instructions and continue to do so. Once I sent the funds I then notice NavY Federal has sent me a few emails about disputing payments to merchants resulting in temporary credits to my account. These temporary credits total the same amount that XXXX said they deposited. Considering I never initiated they payment disputes, I called Navy Federal right away and explained that I had just been the victim of fraud and the {$1700.00} I just transferred needed to be reversed and the temporary credits reversed as well. The amount of time between funds being sent to the fraudulent account to the time I notified Navy Federal were no more than 5 minutes a part!. During that call to Navy Federal on XX/XX/XXXX a fraud claim was opened. On XX/XX/XXXX my initial fraud claim was closed and I did not receive notification until XX/XX/XXXX and was told I benefited from the fraudulent activity and that was the reason for denial! On XX/XX/XXXX I submitted an appeal request along with documentation provided to me from XXXX displaying their claim of being attached to XXXX and membership with the XXXX and CFPB! On XX/XX/XXXX I receive a call from NFCU to try to obtain payment on negative accounts and past due loans. I explain that on XX/XX/XXXX I received a military XXXX check and on XX/XX/XXXX it was taken to cover the negative account that I have a fraud appeal on. She tells me the fraud appeal was completed on the XX/XX/XXXX and states that Im responsible for the fraudulent funds that were taken!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   Divorce : Ending m arriage contract between myself and ex-spouse. Account balance on " Account '' was {$0.00}. Divorce states to hold harmless each other of all future debt occurring after date of separation  XXXX   XXXX ,  XXXX  -Fall  XXXX  : Ex-spouse and new husband get a medical procedure for new husband and use " Account '' to pay for procedure. Current balance on " Account ''  (   XXXX   XXXX   )  owed is {$4100.00} -Fall  XXXX  : Ex-spouse and new husband file bankruptcy and include " Account '' on it  XXXX  : I find out about account past due balance and bankruptcy. Already had affected my credit report and rating. I hired attorney, attorney contacted " Account '' and sent letter on my behalf stating reasons, and citing court cases for my residing state, as to why this is not my debt. " Account '' has been reporting negative, past due, and charge off on my credit report. Been disputing with   XXXX  ,  XXXX , and   XXXX    regarding the " Account ''.   XXXX   has deleted it from my report. Provided additional information and details in writing and online to  XXXX   &   XXXX , with no result of deletion from my Credit Report.
Product: Debt collection

There is no loan no Valid Contract with SPS, it is null and void for forgery with loan originator XXXX XXXX XXXX OUT OF BUSINESS, and also stealing social security number to defraud go to the fed window by loan originator which there was no disclosure on this. 
THERE ARE SEVERAL ARREST WARRANTS OUT FOR XXXX AGAINST SELECT PORTFOLIO SERVICES, AND MANY OTHERS. XXXX YOU ARE NOW LIABLE TO ME FOR 10 YEARS OF SUFFERING ON THIS FRAUD AIDING AND ABETTING TO ALL THE OTHER PARTIES INVOLVED. THERE ARE MANY. XXXX ARREST WARRANTS SO FAR. ALSO A DEFAULTED BILL AGAINST XXXX. THERE IS NO VALID CONTRACT WITH XXXX XXXX, XXXX XXXX XXXX XXXX. YOU CA N'T SELL SOMETHING YOU DO N'T OWN. 
IF YOU DO N'T BELIEVE ME JUST TRY ME. 
FINAL NOTE ALL ILLEGAL DEBT IS TO BE WRITTEN OFF VERY SOON LEAVE ME ALONE AND MAKE SURE YOU HAVE A WET INK CONTRACT WITH ME PER FEDERAL LAWS BEFORE YOU THREATEN ME AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a chase business credit card & they are wrongfully declining me to obtain credit, my personal report is perfect my business credit is also expediential. im a XXXX XXXX  & XXXX plus duns number my reply states i have a derogatory which i do not i can provide both docs if needed, there is no true reason to deny me when i am personally garneting the card with my personal credit audit.
Product: Bank account or service

My bank of America debit card was lost/stolen/misplaced and someone has used my debit card to complete fraudulent transactions. Bank of America allowed XXXX checks to be deposited and cleared that were then realized to be counterfeit checks. ( {$580.00} x XXXX ) from a company named XXXX that I have no connection with. The checks were cleared and then the debit card was used to withdraw {$1100.00} in cash, and make large purchases at places such as XXXX and electronic stores. This counterfeit money was deposited and then taken out within an hour according to what I was told. I contacted bank of America when I realized my debit card was really lost and my online account had locked me out. Bank of America told me that I am never able to have an account with them again and that I will not be receiving my valid pay check via XXXX XXXX XXXX because my account is in the negative due to the counterfeit checks reversing. I told BOA that I would be filing a police report. I asked BOA if they can tell me the location and time of the atm transactions. I have spoken to many people and I 'm still not 100 % Positive if the transactions took place in XXXX, Delaware, or somewhere in Pennsylvania because BOA cant seem to tell. I am assuming XXXX, Delaware because XXXX XXXX XXXX is in DE, and a representative assured me there is a BOA atm inside of that casino. BOA is not helping me and do not seemed concerned at all that this has happened to me. My hard earned pay check was swallowed whole into a negative account due to counterfeit checks that BOA can barely even verify a location. I also asked if they can locate the ATM and have survelliance pulled because it was not physically me at the ATM. They said I need to deal with the police department!!! 

terrible! no help from the company that I have been using since I XXXX for them in 2014. please help ps : bank of America security questions - someone, ( probably the same individual who had my debit card ) actually called bank of America XXXX pretending to be me and submitted a fraud claim as if they were disputing these charges, ( before I was even aware of them ) My entire wallet was stolen and bank of America asks security questions such as DOB, full name, and extra security is often a driver 's license # ( I know this from XXXX there and from the fact that ive called them multiple times today and every single time I was asked for my DL 's # which thankfully I know by heart ) Making it very easy for someone with a stolen wallet to easily by pass security!!!!!!!!!!!!!!!!!!!!! My full name drivers license and DOB are all on the ID inside of my stolen wallet, and someone is easily calling bank of America and by passing security with a breeze
Product: Mortgage

The loan was assigned originally by XXXX as nominee for XXXX XXXX in XX/XX/XXXX - and by a known robo signer with title of assistant secretary of assignments for XXXX. Then robo signed again in XX/XX/XXXX by XXXX XXXX and notarized by XXXX XXXX - XXXX robo signers. False representation by SPS that they offer me application under the DOJ National Mortgage Settlment Act - THEY DID NOT DO THAT! In fact they refused to allow application saying that they did not work those. However, XXXX XXXX who was originally assigned my loan at the beginning of receipt of it disclosed that the file was sent to her specifically because it was tagged as a DOJ benefits and application loan. She said that they failed to offer me the application and did not follow the process to inform me of the availability of the program for me because of the illegal foreclosure actions that had taken place against me and had been included in the foreclosure fraud program and award. There are so many problems that it is impossible to address them all in this space. I am attaching a letter and some documents for review. I should note that this is just the tip of the iceberg. Accounting has not been provided to me as requested all the way back to the beginning of this loan so that I can assess all charges.
Product: Money transfer, virtual currency, or money service

Ordered a dining table XX/XX/XXXX and provided pictures of what we wanted it to look like. Top measurements were provided by merchant, not bottom. The company was supposed to provide pictures of base but did not. XXXX was supposed to be received on XX/XX/XXXX and delayed delivery multiple times. During this time the original company who was supposed to make it did not and it was given to a different company ( owner XXXX informed me of this ) We received the table on XXXX and had to send it back. The base was much larger than discussed and did not fit properly in our space. The table also had a large defect on the top and had places where it wasn't stained properly. We contacted the merchant who said she would work on providing a different base. She provided links to other bases and measurements and these were also too large. We asked for a refund and she wanted us to come in to discuss which we were unable to due to travel. She then said she'd replace a small portion ( 15 % ) of our fees which does not work for us. We do not have the table and she is withholding our refund. I contacted our bank which took the dispute but also said we should contact Consumer  Finance  as sometimes Square is viewed as just a money transfer and will not provide a refund regardless of circumstances. I also went on the Square site that does not mention this but wanted to go this route to make sure we get our money back so we can buy a dining table since we currently have nothing. Please note : the merchant did not inform me that she was using Square to take payment. She also says Terms and Conditions were given but I do not know what these Terms and Conditions were. Regardless, the complete wrong table was given to us and she will not refund us.
Product: Debt collection

A company from another state has made bearing of false witness stating I have a medical bill of {$230.00} that they have falsely put onto MY CREDIT REPORT. Collection agencies that are being SUED FOR False representation WILL SERVE PRISON TIME. I DO NOT HAVE TO PUT UP WITH NOT ONE FALSE CLAIM. The robo calls and phone cramming started XX/XX/XXXX. There were also XXXX text and XXXX photograph XXXX sent to my phone. I sent a REPORT TO THE CREDIT BUREAU 'S on came back and claimed they checked on that bogus white collar crime debt saying it was updated - WRONG. That illegal debt collection SCAM IS FRAUD. Then it was stated that the debt was from XX/XX/XXXX - NOW FROM An ILLEGAL debt collection agency, NO that was not a verification as it was not verified where it came from AND THAT ILLEGAL debt collection agency HAS ALREADY BEEN REPORTED AS FRAUD. AN ILLEGAL update only ILLEGALLY put an ILLEGAL longer time on MY CREDIT REPORT - THAT IS FRAUD NOT A VERIFICATION. Calls have come from a XXXX XXXX XXXX number that started out saying they were a reputable school and could assist ME with any kind of degree I wanted. After I said NO, they kept on calling. I noticed that after awhile, my phone stopped working as well. Calls were not going through or dropped during conversations, I was not getting the full time of 30 days for phone access. My data was not working or saying I used too much data, I DO NOT USE MY PHONE THAT WAY. Then the same phone numbers of ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX - Called WITH A FAKE robo voice AND would NOT respond. Then later started Harassing saying I owed a debt. THIS IS connected to FRAUD from companies that have already ILLEGALLY taken My car and have threatened FRAUD on a house debt - ALL TOTALLY ILLEGAL AND WHITE COLLAR, or BLUE COLLAR CRIME. I KNOW MY INALIENABLE RIGHTS!!!!!!!! THAT STATEMENT IS IN GOD WE TRUST not no man of his selfish ways bearing false witness. CMRE Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX.
Product: Payday loan, title loan, or personal loan

This company stated they offer loans and start at no credit check for pre approval. They never disclosed that they are a Brokerage and don't offer the loan directly. They also never advised there was a 3 % finders fee. I was not allowed to pick my own terms and was just sent over a contract to sign after they ran my credit. When I called to complain, the supervisor did nothing but say he's sorry it wasn't what I expected but they send out the disclosures. When I asked him to show me where I signed the discourse and how I can review them, he said they're a one time click button and he doesn't have anything in writing. He also advised there is no harm because they won't charge me anything to cancel my application. I advised him if I would have known they were a broker and charged a 3 % fee I would have never wasted my time, submitted an application, nor sent personal information to them. After that he sent me a disclosure form with my name on it and predated it to XX/XX/28 with no signatures.
Product: Credit card or prepaid card

On XX/XX/2021 I went online to pay my XXXX XXXX MasterCard with Synchrony Bank. My payment was around XXXX and decided to pay XXXX. So on today XX/XX/2021 I noticed that the balance owed was pulled from my checking account XXXX. I tried to login online to check to see my account and to view payment history and was unable to get in. I kept receiving error message. At this point I decided to call. A female representative answered I explained my issue she advised me that I can put in a dispute for payment and my funds will be back in my account in 21 days. I advised her that payment was for only XXXX not the balance owed and that I needed my money back immediately to pay my mortgage and other bills that were going through. She stated because payment was made on XX/XX/2021 there was nothing she could do. I told her several times I need my money back payment was only supposed to be for 100. Not the balance. So after hearing her say several times there is nothing she could do. So I asked to speak to her Supervisor or manager she then placed me on hold. A female Supervisor I think by the name of XXXX came on the line and say she understand my issue but there is nothing they can do by getting my money back to me and that I need to call my bank. I asked if there is a way they can review payment? She stated that they can only see payment was made online. So I said to her you mean to tell me as fast as you all pulled the funds from my account you all can not return it? She told me no it hasnt posted on their end as of yet even after I advised her the money has been taken out my account. I stressed to them how much I needed my money to pay other bills and that my mortgage was going through neither one of them cared. We are in a pandemic my XXXX XXXX credit card is not past due. I made the payment on time. Im the consumer and they didnt care to listen or assist me ..all I kept hearing is what they couldnt do for me and I feel so bad! Now I have no money in my account to pay others bills and on top of that my mortgage may return. Synchrony Bank representatives should be more emphatic in these times that we are in. Neither one nerved said ok Ms XXXX let me take a look to see what I can do for you. It was always what they cant do. I ended with no resolution and following up with my financial institution. Im highly upset and disappointed! There has to be a resolution to help consumers if a mistake was made on a payment. They have no right to keep my money if Im telling them the payment amount shouldnt been different. The remaining amount shouldve been reversed immediately 2-3 days not 21 days that unacceptable!
Product: Debt collection

I have ask this company to provide documents that shows I owe them money or been in business with them but they have failed to provide such documents. they jus claim that the information is verified but have failed to provide proof.
Product: Debt collection

Company : SUNRISE CREDIT SERVICES , INC . 

Address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX XX/XX/year> Balance : {$1000.00}