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

On XX/XX/XXXX I initiated a $ XXXX online transfer from my Citizens account requesting they debit my XXXX account On XX/XX/XXXX, the funds were debited from my XXXX account. 
On XX/XX/XXXX, I received an email from Citizens stating my transaction was canceled and that I should call XXXX to have them return my funds. 

On XX/XX/XXXX, I called XXXX but they had no record of why the transaction was canceled and couldn't do anything. I then called Citizens bank on four different occasions to try and resolve the issue. Each time, I got different answers and nobody could explain to me why the transaction was originally canceled. Some of the reasons given were because I had canceled a previous transfer, the transaction was rejected, and I couldn't initiate two transfers on the same day. I was informed there was a hold on my account and since I had called in, they would lift it and the money would be in my account in next 2-3 business days and no later than Tuesday, XX/XX/XXXX. Because of the delay, I had to have a manager called XXXX initiate a separate wire transfer of $ XXXX because I needed the funds by Friday. I spend over 4 hours that day, making multiple calls, being left on hold for over an hour twice in trying to resolve the matter. 

On XX/XX/XXXX, I checked my XXXX account and the funds were still not in the account. I called Citizens bank, after being on hold for over an hour, and spoke to a Tech support manager named XXXX. He stated that XXXX had to file a Debit leg error claim in order for me to receive my funds. He stated that the bank that initiated the debit, is responsible to file the claim in order to get my money back into my XXXX account. He stated that the funds were being held by XXXX due to a change in processing funds dating back to XX/XX/XXXX and that it was not Citizens fault that the transaction was canceled. He blamed the issue of XXXX, their third-party vendor. This was the first I heard of this and the process doesn't seem right. I initiated a three-way call between XXXX at Citizens and XXXX at XXXX to resolve the issue. XXXX stated that the debit leg claim that XXXX requested be filed can not be processed because the transaction was not fraudulent or an error on XXXX 's part. Also, XXXX had never heard of a debit leg claim. XXXX had stated he would talk to back office operations and call me back, which he never did. 

I am beyond frustrated because it's been over a week since the funds left my account at XXXX and due to an error on Citizens part, they refuse to return the funds, claiming its XXXX 's responsibility. At this point, I am out $ XXXX with my funds floating around in cyberspace and Citizens taking no responsibility for their error, which started with them canceling my transaction without notifying me.
Product: Debt collection

XXXX XXXX company is trying to charge me {$3700.00} after I never received a computer that was left on my porch on XX/XX/XXXX and somebody stole it from me. I tried to communicate many times to XXXX XXXX to help me with this problem and they refuse to give me a refund or a replacement after I sent them the police report. So I needed to filed a dispute with my bank to get my money back. Now, after 6 months they send me to collection for something that I never received expecting me to pay them this amount. Even though I have no credit card or account with them, they are sending me to collection because an online order.
Product: Credit reporting or other personal consumer reports

I have file a plate against Equifax for XXXX to properly investigate my disputes regarding inaccuracies in my credit report despite my submissions Equifax constantly responds with a 24 hour stay in the account is accurate without provide any evidence of a through investigation this practice violate a fair credit report act ( FCRA ) 15 U.S.C 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the customer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding File No XXXX take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Collection Consultants regarding an unfamiliar account. The representative hung up the phone and my letters have not been answered.

Account information : Collection Consultants XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX
Product: Bank account or service

Using the Bank of America online banking system, I transfered money to my daughter into her Bank of America account for use the following morning. She confirmed the money was added into her account and I noted it had been subtracted from my account. The following morning, the funds are gone from her account and are found back in my account. She calls me to help and I transfer the funds again because they were show in my account. My daughter receives the funds and uses them. One day later, another transfer appears in her account for the same amount, but posted for the day prior ( although the money was not there the day prior ). My account is overdrawn with {$70.00}. Worth of overdraft fees. I spend XXXX hours contacting Bank of America explaining that the funds were n't actually in my daughters account and it seems odd that they show up a day later and are posted for the day prior. XXXX employees of Bank of America are unable to explain this to me and tell me it 's my mistake and they will not give me any relief on the overdraft fees.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/year> to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/year>. Ive already included this in my previous Complaint # & I am including it again. 
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 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
Product: Checking or savings account

Earlier this month, I mailed a money order in the amount of {$1000.00} to my company 's Mercury Bank account via XXXX mail for deposit. After several weeks, the funds have not been credited to my company 's account. On Friday, XX/XX/XXXX, I contacted Mercury Bank to inquire about the status of the funds. The bank responded, stating that it does not accept mailed funds, even though this policy was not clearly disclosed. Mercury Bank further indicated that the funds would either be returned or destroyed. Given the significant time that has elapsed since mailing the money order, I am concerned that the money order may have been destroyed without my authorization.

This lack of transparency and failure to properly communicate policies has caused significant inconvenience and potential financial loss for my company.

Additionally, my company has experienced other operational challenges due to Mercury Bank 's apparent lack of communication and transparency. In XX/XX/year>, two of our executives traveled to New York for a business meeting. Upon arrival, they discovered that our company credit cards issued by Mercury Bank were no longer operational. This unexpected issue left our executives stranded at the airport, unable to rent a vehicle or secure accommodations, forcing them to use personal credit cards to cover transportation and lodging expenses. 

When we contacted Mercury Bank to understand why the credit cards were XXXX, we were informed that the bank had made a decision to restrict credit card access for accounts with balances under {$25000.00}. However, this policy was not communicated to us beforehand. As a relatively new customer, our company had never deposited more than {$5000.00} into our Mercury accounts, as we were cautiously evaluating the bank 's services. Despite this, we were approved for and successfully used the credit cards for several weeks without issue before this abrupt deactivation.

Mercury Banks lack of proactive communication regarding its policies and the mishandling of our funds has caused unnecessary hardship and damages to my company. I am seeking resolution for these issues and assurance that similar problems will not occur in the future.
Product: Debt collection

On XX/XX/XXXX, I called Security Credit Systems of XXXX, NY in order to gain information regarding an allegedly defaulted student loan account in my name. 

I was put in touch with a XXXX. XXXX, who insisted that I owed a total of {$1100.00}. This was in stark contrast with the amount listed on my Federal Student Aid account, which listed a due principal of {$820.00} with {$0.00} interest due. 

When I presented this information to XXXX. XXXX, he became agitated and hostile, insisting that I owed an additional {$350.00} in interest charges. 

I pointed out to XXXX. XXXX that I could not possibly owe Security Credit Systems that much, as this loan was serviced by another credit agency before XX/XX/XXXX, before being transferred to Security Credit Systems after that date by my original loan provider, XXXX XXXX, as disclosed to me with XXXX XXXX business office in a conversation which took place on XX/XX/XXXX. Security Credit Systems has serviced this loan for less than two weeks, and yet they are claiming I owe roughly 45 % of my principal balance in interest charges, to quote XXXX. XXXX. 

XXXX. XXXX then vacillated between claims that these interest charges were imposed by Security Credit Systems and, alternatively, the federal government. When I stated that these interest charges couldnt possibly be imposed by the federal government, as the Federal Student Aid website currently lists due interest charges for this loan at {$0.00}, XXXX. XXXX again grew angry and demanded that I pay the requested amount immediately. 

It is clear to me, based on the very short length of time Security Credit Systems has serviced this debt and the significant discrepancy between XXXX . XX/XX/XXXX claims and the official amount listed as due on the Federal Student Aid website, that this is an attempt to charge an exorbitant and potentially usurious amount of money that I do not owe. These actions are in clear violation and, at the time, render me unable to pay my proper debts. 

Security Credit Systems is making wildly fraudulent demands, and should be appropriately reprimanded for their unethical, predatory, and potentially illegal behavior.
Product: Credit reporting or other personal consumer reports

I have reported this problem to you guys before in XXXX Claim number XXXX. The results we that military orders werent presented and that it shouldve been removed from the XXXX report as it was already removed from XXXX and XXXX reports Rent Recovery Solutions is still reporting as of XXXX XXXX to XXXX that have an open balance of XXXX on an account closed in XXXX
Product: Credit reporting or other personal consumer reports

**Subject : Inaccurate Reporting of Charge-Off Account on My Credit Report** I am writing to formally file a complaint against Comenity Bank for furnishing inaccurate information to one or more consumer reporting agencies. The erroneous reporting of this Kay Jewelers account ( account number ending in XXXX ) as a charge-off has severely damaged my character, reputation, general mode of living, and ability to obtain credit for personal and housing purposes. This inaccurate reporting has also adversely affected my livelihood. 

On XX/XX/XXXX, I notified Comenity Bank about the inaccurate information they were reporting and requested that they cease and desist immediately and delete the Kay Jewelers account in question. However, they have willfully remained noncompliant with FCRA laws regarding the reporting of inaccurate information. 

**15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies** ( a ) Duty of Furnishers of Information to Provide Accurate Information Prohibition ( A ) Reporting Information with Actual Knowledge of Errors A person must not furnish any information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Comenity Bank is inaccurately reporting a {$680.00} balance on a charged-off Kay Jewelers account to XXXX or more of my consumer reports. This contradicts their internal accounting treatment of the debt as uncollectible. Since Comenity Bank has charged off this Kay Jewelers account ( ending in XXXX ) and considers the balance to be XXXX for accounting purposes, reporting a {$680.00} balance on my consumer report is fundamentally inaccurate. This account should be deleted immediately. When a lender charges off an account, they recognize the debt as uncollectible, and the balance is reduced to zero for accounting purposes.

According to the IRS, a charge-off is defined as gross or ordinary income. Income should not be reported on a consumer credit report, making Comenity Bank 's reporting of this account as a charge-off fundamentally inaccurate since this debt is now considered income as defined by the IRS. 

Furthermore, the IRS requires that a lender file Form 1099-C and send a copy to the borrower if the amount of debt canceled is {$600.00} or more and the lender is a financial institution. Despite not receiving a Form 1099-C from Comenity Bank , I have already filed this charge-off account on my XXXX tax return as income. Comenity Bank should not be reporting this charge off Kay jewelers account to consumer reporting agencies. I demand this account be deleted immediately! 

I will be reporting tax fraud against Comenity Bank by completing Form 3949-A for not complying with IRS regulations . The IRS mandates that financial institutions must issue a Form 1099-C to both the borrower and the IRS when they cancel a debt of {$600.00} or more.

I urge the CFPB to investigate this matter and take appropriate action against Comenity Bank for their harmful and inaccurate reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$71.00} XXXX XXXX XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX
Product: Debt collection

A message was left on my answering machine from " XXXX XXXX '' ( XXXX ). The message said they are a debt collection agency, and to call them. Why is it my responsibility to call a company that has inaccurate and sloppy information? How many times has the company contacted me, and in what manner? 

I owe no debts. I have not received correspondence stating that a debt is owed. 

I would like an explanation from the company explaining why they are harassing me. Additionally, who owes the debt they are calling about, what is the amount, and when was it incurred. 

Where did the company obtain my private telephone number that I have had for over twenty years.
Product: Debt collection

I was told XXXX XXXX has my account. Whoever has it needs to send me a LETTER OF DEBT VALIDATION or remove collection from account. How do I know the collection is mine. If Montgomery Ward still has the account which was their response I need the LETTER OF DEBT VALIDATION within 30 days or it needs to be removed. Or I will contact a lawyer to have it removed.
Product: Mortgage

We started the short sale with ShellPoint XX/XX/2016. On XX/XX/XXXX they did a drive-by valuation resulting in a value of XXXX. We then initiated a value dispute due to the documented damage to the property. We were told it would take 7 days to return a decision on that value dispute. It took 16 days to get them to tell us the results - they said this was " Due to an interior appraisal that was performed on XX/XX/XXXX ''. We were told that the " new interior appraisal '' returned a value of XXXX. When we were sent a copy of that " interior appraisal '' it turns out it was another exterior valuation only. They lied to us. -- -- -- Please see attached - it is circled in red. 

There are NO interior pictures from the appraiser. It is obvious he never entered the property. 

The square footage listed on the BPO is not remotely correct. The county records have the property listed at XXXX square feet. The appraiser listed the square footage at XXXX - see attached circled in red. 

No working furnace. The property is in the mountains where it is currently below freezing - and has been for some time. 

ShellPoint has outright refused to acknowledge verified real damage that would prevent any conventional buyer from obtaining a loan. 

We have brought these issues up to ShellPoint multiple times. Each time they ignore the factual evidence in this short sale.
Product: Credit card

Offers promotional financing. Requires minimum payments. Payments have only been applied to 1 balance, not have each minimum payment given to each balance.

Once the promotional period is to end, If the balance is not paid in full you are charged interest for the entire purpose.

Additional payment made was not applied to ending promotion, it was again applied to only one balance. I had to call 2 times to get it corrected.

Now 2 balances are due and no payments made have been applied to the balance. Customer service just argues and is rude and unhelpful. XX/XX/XXXX they told me there was nothing they could do and there was no one to file a complaint with and no further recourse. 
Previously payments have been equally applied to all balances and promotions ending the soonest get the payments first.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct # XXXX this account is reporting wrong on my credit report. The name and the debt is wrong on my credit report according to15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts and credit inquiries listed on my Equifax and XXXX credit reports are all fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Credit acceptance requested that I pay a truck off. Once I paid the truck off they are still reporting late on my credit which is incorrect and they have not even updated the information stating the truck is closed and paid off. With them not cooperating my credit score is continuing to decline. They are reporting inaccurate information which is against the law I have reached out to them on several occasions. I cant make any purchases because they are damaging my credit for continuously reporting wrong information!
Product: Credit card or prepaid card

On XX/XX/2022 a charge was placed on my account labeled XXXX payment refund Reference Number XXXX. I discovered this on XX/XX/2022 and filed a Fraud Claim online that day. I then connected online with an associate for an explanation of what this charge was. I had never seen XXXX  payment refund on a prior statement and did not know what it was. I was told my account had been hacked and that I would receive a new a credit card in the mail. I received a new credit card and the new card account balance contained the disputed charge. I received a letter in the mail dated XX/XX/2022 stating my claim had been resolved and that I would see the credit on my next monthly statement. On the next statement there was no credit. I called an associate and was informed I would see the credit on my account within XXXX XXXX. This did not happen so I again called an associate and was told I would receive a credit in XXXX XXXX. This did not happen. On XX/XX/XXXX, XXXX I discovered online that my claim had been closed. I still had not received a credit for the fraudulent charge. Again I called an associate and was told that the fraudulent XXXX payment refund charge should not have been filed as a fraud claim. The associate informed me that he would submit it as a costumer service inquiry and that I would receive a letter from Bank of America within XXXX XXXX. I never received a letter so I again called an associate and was told the issue would be resolved within XXXX business days. XXXX XXXX XXXX passed and then on XX/XX/2022 a new claim was submitted. On XX/XX/2022 I received an email that the claim had been resolved and was sent an attachment containing the letter sent to me on XXXX XXXX  The fraudulent charge has still not been removed from my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 20.1 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX credit card : XXXX was lost/stolen on XXXX XXXX, 2018, someone made over {$20000.00} in fraudulent charges/transactions. The fraudulent charges/transactions dont belong to me.
Product: Credit card or prepaid card

I applied for a credit card from Bank of America. They have been my bank for over 20 years. They collect over $  XXXX  in deposits from me annually. I have over a  XXXX   credit score. I saw many reviews online of people being approved for this same card with lower credit scores. I am not sure why they denied me and the reasons they gave were really bogus. I personally think my denial was discriminatory and may involve some " new school red lining ''. I feel my denial is a clear violation of the Community   Reinvestment Act. Ba nk of America is taking my money and deposits but is refusing to give me access to credit. I will most likely close my checking account, however this is wrong. Please help.
Product: Debt collection

When I moved out of XXXX XXXX XXXXXXXX XXXX apartments, I was incorrectly billed after satisfying my full lease per an agreement I signed in person with the leasing manager. After moving out, I received notice that they would be adding a charge to my account that I never agreed to or signed for. I emailed them to notify them that they were in breach of our original agreement and that the charge was not accurate. They ignored me and sent me to collections. I have sent several letters to rent debt ( the collector ) to get the charge reversed but they only respond with an old lease agreement that has nothing to do with the charge they are billing me for. 

This company was entering into apartments without authorization. Many of the tenants were alarmed by the behavior of the new ownership and management company.