23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I received notification from XXXX XXXX that an account had reported me 30 days late on payment. Research indicated that this came from Comenity Bank, an account that I was not familiar with. It turned out that it was for XXXX. 

As I had paid off my off the remaining balance on XX/XX/XXXX, I was surprised as well as confused. I logged on to my account and noted charges for XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX and XX/XX/XXXX for {$2.00} ( XXXX ), {$6.00} and {$14.00}. 

When I contacted the company, they told me it was for interest. I asked them to explain how when I paid the " remaining balance '' of my account that it did not include the {$2.00} interest on XX/XX/XXXX and so on. They tried to attribute it to when the payment is made, versus the time that it takes for the bank to process the payment. They remain adamant that the money is still owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spoken with XXXX XXXX about two years ago about this incorrect account on my credit and Ive provided information to them to advise of this incorrect information and theyre still reporting this item and hurting my credit. I am unaware of this item, and then it now shows that the item opened on XXXX 2016 when it was reported well over 4 years ago. They are reporting incorrect information, which is against the law, if we cant get this issue resolved within the next 30 days I will be hiring an attorney and filing suit for the continuation of wrongfully reporting inaccurate information on my credit report, which is causing me to not be able to move forward in my home buying proceeds and its causing great steer on me.
Product: Credit card or prepaid card

XX/XX/2020 I would like to claim about below. 

I tried to withdraw {$500.00} from the XXXX Bank of America ATM with EDD card at XXXX o'clock on XX/XX/XXXX, but I immediately canceled the transaction and went to the next ATM because I needed {$100.00} bills, so I tried to withdraw {$700.00}. But I found it was over the daily limit. And then I checked the withdrawal history. I never get any cash and receipt. On the same day, I asked to the bank 's teller for help, the teller told me that EDD BOA customer service might my balance to be cleared tomorrow, and gave me the phone number. And the edd customer service staff said if I leave my phone number and email, they would call me but couldn't get in touch with anybody. 
I have called the Customer Service and Claim Department about six times, but nothing helps. There is no answer to the email also. 

Every times I waited more than 50 minutes, 1 hour 50 minutes, and 2 hours. but I was unable to connect to the claim department. So I couldn't connect and gave up the phone connection. 

When I contacted a staff he said the amount was large, so a rep could not fix the problem. Actually It's a great big amount for me, so I'm emailing regarding the situation to solve. 

Another banker said I should go back to the bank for help. So, I went to the bank early in the morning and talked about the situation again. A baker tell me the ATM ID and phone number and then I call the BOA ATM department for assistance. So I tried to connect to Edd Department again. Customer service gave me a number of claim departmenr XXXX. But I could not connected to anybody for over 1 weeks. 

I dont want to ask for help me and to repeat the same story any more. This is is a really difficult story.I can't find money at that time. There were people lined up at the ATM machine. If the money came out, someone find this cash. 

Please accept this claim for my missing balances and let me know regarding a result. 

Warm Regards,
Product: Checking or savings account

Tuesday, XX/XX/XXXX : It brings me great sadness of how the employees continue their unacceptable and discourteous behavior toward a loyal customer of theirs who finally had to close her accounts on her own accord in the email addressed to Mr. XXXX on XX/XX/XXXX after he ignored me three times to reach out to him when he chose to break his promise of not calling me back on Friday, XX/XX/XXXX to close my accounts. 

While I was asked to reach out to a " XXXX '' whom I've now emailed a total of three times to get my money, she too, among the rest of the other negligent and malicious employees listed previously, she too has completely ignored me. What an extremely audacious and insidious group of people they are. They really are all asking for it. 

Also, such preposterous, absurd, and extremely audacious people furthermore refuse to communicate directly to me. It was bad enough that that Ms. " XXXX, XXXX '' broke confidentiality laws by forwarding me all of my emails to that trouble-maker XXXX without asking for my consent first, etc. This group forwards correspondence like the wild-fire to one another without the person 's consent -- there really shouldnt have to be a confidentiality waiver attached to each person 's email to this group. Nevertheless, I had a confidence waiver at the end of each of my emails to them. 
That's right, they expect confidentiality of their emails to be respected, yet this buffoon of a group refuses to respect other 's own privacy even when I have taken the initiative to put a confidence waiver at the end of my emails. 

Despite me now reaching out to " XXXX '', she too has neglected her " due diligence ''. 
Additionally, US Bank continues to communicate to another party about my private business affairs instead of communicating directly to me to wire my money, with no fees, period. Today, XX/XX/XXXX, another separate party notified me that Us Bank is communicating with them about my private affairs to them and NOT to Me, AGAIN. 

This group is really asking for it and has everything horrendous in this world coming their way. 

I want all my money back in my -reopened accounts so that I can wire the money accordingly to the way I see fit to my new banks. 

ATROCIOUS. 
UNACCEPTABLE.
Product: Debt collection

I asked discover to verify debt and if prove that I legally still owe debt. They keep falsely updating the last activity date.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove XXXX XXXXL XXXX Balance {$XXXX}, XXXX  XX/XX/XXXX, XXXX  AUTO XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, 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 items or information not later than XXXX business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Consumer Loan

I fell behind on my auto loan payments with Consumer Portfolio Services. On XXXX XXXX, XXXX, I spoke with a department supervisor and agreed to make a payment of {$1100.00} on Friday, XXXX XXXX, XXXX and that would avoid a repossession of the vehicle. I was told that after that payment, I would need to make arrangements to correct the remaining outstanding balance of {$1100.00}. I asked if they could give me anything in writing so that I would n't make this payment that we agreed upon and the agreement not be honored by CPS. I was told that they could not put anything in writing. I was told by ( XXXX XXXX, Supervisor ) that once a payment was made on a pending repossession, that CPS wasrequired by law to halt the repossession and allow the customer to remedy the situation. On Friday the XXXX, I made the agreed upon payment of {$1100.00} and confirmed receipt of the payment with a representative over the phone. On Sunday morning, somewhere between XXXX and XXXX., the vehicle was repossessed. I called CPS on Monday to find out what happened. I was told by XXXX XXXX that the vehicle should not have been taken, and that she had personally contacted the recovery agent on Friday, after I made the payment, and related to them that the repossession was halted. I was then told that there was nothing that she was able to do since it was taken, and that I would have to speak with the Recovery Department. I spoke with the Recovery Department on Tuesday, XXXX XXXX, XXXX and was told that they would review my case and contact me within 48 hours. I did not receive a call back, and tried on numerous times to contact them. I left numerous voice messages over the course of the next couple of days and never received a call back. A few days later, I received a letter dated XXXX/XXXX/XXXX which was a " Notice of Our Plan To Sell Vehicle. '' I left numerous messages on the number that was given but my calls were not returned. I reached out again to XXXX XXXX and explained that the people in the other department would not return my call. She had XXXX of her department persons walk to the XXXX department and place a note of explanation on someone 's computer monitor. I still did not hear from that department. Today is XXXX XXXX, XXXX, and I received another " Notice Of Our Plan to Sell Vehicle '' stating that the vehicle will be sold at a private auction on TOMORROW, XXXX XXXX, XXXX at XXXX My requests for a phone call have not been honored, the vehicle should never have been taken, and I should not be penalized with an unjust repossession on my record, especially when I paid the amount agreed upon in order to stop the repossession. I discovered that this same company just paid out {$5.00} XXXX in XXXX to the FTC for the same practice that they are doing with me now ... ( " CPS is also charged with failure to establish and implement reasonable written procedures and failure to reasonably investigate and respond timely to consumer disputes under the Furnisher Rule '' ) Here is the link : https : XXXX This is totally unfair to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted disputes to Equifax regarding XXXX account also Ive sent out letters of debt validation to the creditor I have not received any responses also its reporting that I have 11 late/missed payments on this account this derogatory remarks are causing me hardship in being approved for any kind of funding.
Product: Mortgage

My complaint is with Seterus, Inc. For 3 to 4 years my mortgage account statement has had multiple errors ranging from misapplied payments to inaccurate interest, principal and escrow amounts. In the pass 5-6 months I have received 3 different mortgage payments. I have called Seterus and spoken to their representatives. They all say a review will be made on my account and yet I continue to receive erroneous statements. The mortgage payment is wrong, misapplied payments still exist and my monthly payment continues to rise every year even with a 3.9 % fixed interest rate. And every year Seterus claims it is due to taxes. With my previous mortgage companies this did not occur.
Product: Credit card

a fraudulant card belonging to GAP XXXX is being listed on my experian credit report for the past 10 years despite a lot of calls to ge money bank no response has been given except that ge money is sold to synhrony bank so contact them and they have no knowledge of acct pls help me to get this removed
Product: Checking or savings account

Opened and set up account with Marcus by Golden Sachs in XX/XX/2024 Account was locked in XXXX, unable to transfer money out to linked accounts The bank ( Marcus ) said its because it was funded wrong so all funds need to return to source account ( Chase business account ). I authorised them to do so, bank mentioned itll be 1-3 business days. Called back after XXXX business days as money was not transferred. 
Bank says the transfer was reversed because amount was incorrect, they can only approve the transfer if only the amount that was funded from the source account ( XXXX XXXX ) returns to XXXX and remaining to another link personal account ( XXXX ). The agent calculated the amount that needed to return to XXXX ( source account ). I authorised the transfer ( ACH ). Agent says 1-3 business days. 
Did not receive funds in account, Transfer reversed again, called again and asked for them to close account and have all funds returned. I authorised all funds to transfer to linked account ( XXXX ). Waited XXXX business days, Transfer reversed again. 
Called back XXXX XX/XX/2024, agent says we need to do wire transfer and only transfer parts of it to source account and remaining to linked account ( XXXX ). I authorised the wire transfer, waited XXXX days. Transfer request reversed. 
This has happened multiple time, I called to close account and have all funds returned to me. 
XXXX XX/XX/2024- called as transfer was reversed again. Agent said it was reversed due password change, this was incorrect as I never changed the password. Was on the phone with multiple departments ( security department, front line department ) escalated case to supervisor. The agent on the call keeps telling us that nothing will stop the transfer and is confident that it wont happen again. Requested a call back from herself, and agent refused. I offered options, but bank said they can only keep trying the wire /ACH transfer or send me a cheque, I am overseas, unable to do receive the check. Requested a case to be opened on my account and someone to follow up. Agent refused.

Marcus is holding onto my honey hostage and this has been going on for a month. I have not been able to pay for my bills, expenses.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Letter Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, Transunion and XXXX do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to XXXX, Transunion, XXXX, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion and XXXX are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

On XXXX XXXX, XXXX, I contacted B9 regarding a pre-authorized transaction for ** $ XXXX from XXXX that was never charged to my account. XXXX confirmed that the transaction was declined and no funds were taken from my account. Despite this, B9 continues to hold the amount as pending and refuses to release the funds. I have repeatedly contacted B9, provided screenshots of my bank statements, and submitted evidence from XXXX confirming that no funds were withdrawn. However, B9 has maintained that the transaction is still pending and will not be resolved until XXXX XXXX, XXXX. 

This delay has caused significant financial stress, as I rely on access to my full account balance. I believe B9 is unnecessarily holding pre-authorized funds and engaging in practices that might involve gaining interest on customer balances, which raises concerns about their business conduct. Despite multiple requests, their customer service has failed to provide a valid explanation for why the funds can not be released immediately, especially given that the transaction was never processed. 

**Key Issues : ** - B9 is holding funds for a transaction that was never processed. 
- XXXX has confirmed that no funds were taken, yet B9 refuses to release the money. 
- B9 has ignored multiple requests for escalation or prompt resolution. 
- B9 has provided inconsistent timelines, claiming the issue will not be resolved until XXXX XXXX, XXXX, with no valid reason for this delay. 

-- - **Desired Resolution : ** - Immediate release of the ** $ XXXX to my account. 
- An investigation into B9s handling of pre-authorized transactions and delays in refunds. 
- Assurance that B9 will discontinue the practice of holding funds without proper justification. 

-- - **Supporting Documentation : ** - Screenshots of communication with XXXX XXXX confirming no funds were taken. 
- Screenshots of conversations with B9 customer service. 
- Screenshots of my account balance and the pending transaction in B9s system showing no processed charge. 

-- - I am requesting that the CFPB investigate this matter to ensure B9 is held accountable for its actions and to prevent further financial harm to consumers. Also please look into the amount fees they charge people it's criminal that they cam get away with charging people fees that outrageous for everything. 

Sincerely, XXXX XXXX ---
Product: Money transfer, virtual currency, or money service

PayPal closed my account and held my cash of total sum ( {$300.00} ) since XX/XX/year> for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be because all my registration details were correct, And I have not been able to get help from them for months. But I just remembered I could file a report here as I feel they are not doing their job properly and it is affecting a great deal as I used PayPal quite frequently. My Email Linked to the my PayPal account is ( XXXX ) Thanks.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXXXXXX XXXX XXXX  -Balance {$20000.00} XXXX XXXX XXXX XXXX  -Balance {$100000.00} XXXX XXXXXXXX XXXX XXXX -Balance {$20000.00} XXXX XXXX # XXXX -Balance {$99000.00} XXXX XXXX # XXXX XXXXXXXX {$61000.00} XXXX XXXXXXXX XXXX XXXX -Balance {$13000.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was incarcerated from XX/XX/22 to XX/XX/22 And Ive been a victim of fraud, I didnt open this account. Someone opened it with my credentials.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XX/XX/XXXX XXXX CA XX/XX/XXXX