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

On XX/XX/year> I deposited ( {$17000.00} ) into my checking account and ( {$17000.00} ) into my savings account. I received one deposit slip for both transactions. On XX/XX/year> I set up my online banking and noticed that both of my deposits on XX/XX/year> did not match my deposit slip ; both account was short {$3000.00}. At the time ( on Sunday ) I called customer service and spoke to a representative name XXXX; filed a claim and he told me that someone would get back with me in a few days which did not occur. The very next day I went into the brach and spoke to the supervisor name XXXX and she took my information. On other times that I tried to resolve this issues, I was told by XXXX XXXX that the teller that completed my deposit on XX/XX/year> tried to call me. This was not true because I never received any calls from Navy Federal. I pulled my phone records to proof it. On XX/XX/year> I went back into the branch, I was told by XXXX XXXX that my claim was closed and instructed me on next steps. XX/XX/year> I wrote a certified letter to Navy Federal Credit Union Corporate Office, ATTN : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX. I was notified that my letter was received on XX/XX/year> @ XXXX XXXX. I have not been contacted back in any way and my issue is still unresolved.
Product: Vehicle loan or lease

I purchased a vehicle in XX/XX/2014 through GM Financial. I received my first bill in XX/XX/2014 with a due date of XX/XX/2014. I made my payment timely but was then contacted and told my account was delinquent and I had a payment due on XX/XX/2014, and the XX/XX/2014, was my second payment due. I contacted GM Financial and explained to them that I never received a bill for XX/XX/2014 and the XX/XX/2014 was the first one I received which I paid on time. They told me I was delinquent and had to pay the XXXX payment. I told them it was not my error but theirs and I intended to make my payments on time starting with the one I just made and that they should just consider that Payment 1 since that was the first one they billed  me for. They insisted I make the XXXX payment. I told them if I could pay a double payment I'd have bought a more expensive car. I made 3 phone calls trying to resolve this and spoke to supervisors but I got the same response. They insisted I make the payment even though it was their mistake. I finally sent them a letter saying I would continue making my payments timely but I could not and would not make the payment they failed to bill me for. I have now made my 60 payments, every one of them on time, and they still have a balance due because they charged me a late fee every month plus interest. They have also now reported it as late to my credit reports, which they did not do until I made all of my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may Concern : This is request for documentation of original contracts. I take issue with the methods used by XXXX XXXX, XXXX XXXX  AND A FEW OTHER ACCOUNTS LISTED BELOW! XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX 1959 XXXX XXXX XXXX contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX XXXX XXXX Wheat XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 
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  Please send notice of a cease and desist to all creditors until documentations are properly provided.
Product: Debt collection

I have been called literally XXXX times regarding a fee that XXXX charged my company when we cancelled our telephone services with them. This company is Diversified Adjustment Services located in XXXX, MN but when they call me they have their number appear to be a local number which is an XXXX area code which I am wondering is legal to change the appearance of your number like that. We had been contacted by XXXX about renewing our phone services but told them we were looking to change carriers. We were then told that since we have had services for 2 years already there would be no break up fee if we cancelled the new contract. We asked them again to be certain no fee would be incurred for breaking the contract as we were fine going month to month but again were insured there would be no fee. A few months after agreeing to a new contract verbally, no paperwork was signed this was all done via a phone call from XXXX, we changed our service to another XXXX. When we got our final bill there was a fee of {$300.00} for early termination which we contacted XXXX to say we did not owe. They originally said the call was being recorded so we asked them to pull the recording but only XXXX to 4 months later when we questioned the bill they stated they could not find the recording. Now we have explained this to XXXX, XXXX other collection agency and now Diversified Adjustment Services will not stop calling me. We recently sent them a formal letter to quit calling as the debt is disputed but they have not received it as of yet.
Product: Credit card

In XXXX of XXXX  I noticed a Fortiva account reporting on my credit report. I called and informed them it in fact wasn't me that opened the account and that it was done fraudulently. I was ensured the account would be removed, it has yet to be removed.
Product: Credit card

Dear XXXX, I am lodging a complaint regarding Goldman Sachs Apple Card 's apparent embezzlement of funds after resolving a dispute and their failure to apply the funds to my account despite multiple attempts to contact them. 

I encountered issues with a laptop I purchased previously, and although the seller offered a free return, they only provided an address for me to handle the return myself, failing to adhere to legal terms. 

As a result, I initiated a dispute with the bank. After submitting all evidence, the bank notified me on XX/XX/XXXX that the dispute investigation was complete and the merchant charge ( s ) would be removed from my account. However, weeks later, I discovered that the credited amount had not been deposited into my account and was still under review. Despite contacting the bank three times about this issue, it has remained unresolved for over 40 days! 

I strongly suspect that the bank, after reversing the charge with the merchant, is intentionally delaying resolution to eventually demand payment from me without adjusting the balance, thus facilitating embezzlement! 

I urge authorities to oversee this matter. 

Thank you. 

XXXX
Product: Mortgage

In XXXX I received a mortgage for a home address : XXXX XXXX XXXX XXXX XXXX, Tx XXXX. In XX/XX/XXXX I was forced to declare Bankruptcy due to a XXXX  Medical condition. The home was listed on the Bankruptcy. After the Bankruptcy I was never told by the company that it had listed the account " included in Bankruptcy ''. The continued through XX/XX/XXXX to demand Mortgage payments and negotiate payments. I discovered in my credit report that they had closed the account on XX/XX/XXXX. The listing was closed included in Bankruptcy. In XXXX of XXXX I discovered the account was closed by them in XX/XX/XXXX and requested a Deed in lieu of foreclosure for the Veterans Administration to update the loan included in bankruptcy. I was told by the Veterans Administration that as of XX/XX/XXXX they were continually listing the house as payment overdue and still were listing the account as open. The account was closed by them due to Bankruptcy and they have yet to send the VA their needed documents or list the account with the VA as closed included in Bankruptcy. I have conversed with them many times and have been told they do not do that. I have had my Bankruptcy Attorney write them and it was ignored. I can only view this as intentional harassment. And a effort to impede me from getting a new house.
Product: Money transfer, virtual currency, or money service

I am a PayPal customer, and during the pandemic, the platform helped me manage my international marketing service payments. However, one day in XXXX, I had accumulated approximately {$19000.00}, and PayPal decided to hold the funds, allegedly for violating the company 's policies. This makes no sense, as all I was doing was receiving payments for my marketing services. I tried multiple ways to claim my money through the platform 's procedures, including phone calls, but not even customer service was able to provide me with a solution.
Product: Credit card or prepaid card

Last year we purchased a bike and were sold on getting the store credit card for XXXX XXXX through Comenity Bank. We were sold on the idea of 0 % financing for 12 months, which we naively understood as 0 % financing for 12 months. The idea sounds great in theory, but Comenity Bank will charge you all accrued interest from day 1 if you don't pay every dime back before " the promotional period '' ends. We have used 0 % financing before throughout the years for other purchases and never have we encountered such a predatory term before with any other lender or bank. 

Due to the pandemic, my wife getting diagnosed with XXXX, and the state of the world to be fair, we made a mistake and paid the balance of {$420.00} twelve days after the promotional period ended. The original purchase amount was over {$5000.00} so the interest charged to the account was {$770.00}. I found out about the balance due today, XX/XX/2020. I called and tried to explain, but due to the bank 's predatory terms, none of the representatives could help albeit their best judgement and understanding told them I had a point. One representative told me to appeal the finance charges and two of the representatives provided me some guidance in how to do so. All I got out of the calls I made today were, " the finance charges will stick '' because the " terms are the terms ''. 

After doing some research on social media, I noticed that predatory terms and lack of compassion are the values this company stands for. I know that I am not alone in filing complaints against this bank. They have clearly shown they care about their numbers more than they care about their customers.
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Secti

on 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Product: Credit card

Hello I have an aviator master card financed through Barclays Bank. Through the app and website they included a feature call XXXX XXXX where it allows you to make payments over time for a low interest rate. The qualifications include any purchase over {$100.00} and to be in good standing with my card. Ive had this card since XXXX of 2017. I have always paid my bill on time or paid off the balance entirely. Ive never been late or missed a payment and they still have not given me the chance to enroll transactions into a payment plan. Every other credit card with different banks has provided me with this option but Barclays has not. Ive called several times and Im given the same generic answer. And I rebut with terms and conditions listed on their website. I want someone at Barclays to look into why the I have not been afforded the opportunity to enroll my eligible transactions into XXXX XXXX. Because why am I even a patron when my other cards offers me the option to set up payment plans to aid and assist me with paying my balance.
Product: Debt collection

Dear CFPB, I want to report Identity Theft from Real Time Resolution, a DEBT COLLECTOR, on an account established without my authorization. Real Time Resolution [ XXXX ] created account # XXXX on my property XXXX XXXX XXXX, XXXX, CA XXXX without my authorization. I never contracted with XXXX and there is no agreement between XXXX and myself, XXXX XXXX. XXXX is attempting to collect on a debt, fraudulently created a loan account. 

Therefore, I sent a demand letter to XXXX to verify, validate and authenticate their alleged account agreement under my consumer protection rights under FDCPA, FCRA, FCBA, CFPB and CA ROSENTHAL ACT [ see COPY ENCLOSED ]. 

In addition, recently it was brought to my attention by a XXXX XXXX XXXX XXXX than an Assignment of Deed of Trust was recorded on my property on XX/XX/XXXX, by Real Time Resolution [ see COPY ENCLOSED ]. 

Most recently, XXXX IS THREATENING TO FORELCOSE and filed a Notice of Default on my property at the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX [ see COPY ENCLOSE ]. 

Even if this alleged account was valid, per your CFPB Issues Guidance to Protect Homeowners from illegal Collection Tactics on Zombie Mortgages dated XX/XX/XXXX It is illegal for debt collectors to sue or threaten to sue to collect debts past the statute of limitations. 

Im requesting for CFPB to act against XXXX for their intentional fraudulent, deceptive, and threatening behavior to foreclose on my property. 
To Demand for XXXX to cancel the Notice XXXX XXXX and Expunge the Assignment of Deed of Trust recorded on my property. I will also be filing Identity Theft Report with the Internal Revenue Service [ IRS ] and Federal Trade Commission [ FTC ]. 

Respectfully, XXXX XXXX
Product: Checking or savings account

Hello Sir/Madam, Huntington Bank did not allow me to close my business checking account with them over the phone or online. They're asking me to go in person to one of their branches. Right now, I am in GA where they don't have any branches and I can't travel due to pandemic. I request for your help to get my business checking account closed. 

Thanks XXXX
Product: Credit reporting or other personal consumer reports

Im sorry but you will NOT block my identity theft because youve determined its an error or misrepresentation of material fact? WHAT IN THE XXXX GIVES YOU THE RIGHT TO DETERMINE MATERIAL FACTS? YOURE NOT A JUDGE OR JURY!!! NOR DO YOU HAVE ANY RIGHT. The FTC states if you receive an FTC identity theft report which is filed with a law enforcement agency ( WHICH IS THE FTC ), then you are to comply with the law Ill give you one last chance to process my request for my identity theft or I will be seeking a legal remedy in the courtroom where you WILL BE HELD LIABLE for damaging my name, credit & all my emotional issues Ive been dealing with due to this issue. Im sure MATERIAL FACT will definitely become VERY APPARENT & you will be paying me for your negligence. XXXX XXXX. Please delete this account imediately.
Product: Debt collection

Debt regarding Caine and Weiner collections, on behalf of progressive XXXX XXXX XXXX XXXX attempted to change my rates and added people to my policy without notifying me, stating that their only legal requirement to do this was to send an email, based on a their personal policy. They charged my bank account these new rates without my actual consent. After unsuccessfully attempting to get the situation fixed and have my rates returned to their original price, and after failing to have the money that was stolen from me returned, I canceled my service with them. I reported them for fraud through XXXX XXXX, and had the amount credited back to my account. XXXX XXXX  said at that time that once the despite was finalized, if they decide that it was not fraud, I would be charged the amount again. I received a piece of mail saying that the provisional credit on my account is final, meaning in lesser words that they did infact find progressive guilty of fraud, like we really needed to get the fraud department involved to decide that emailing someone isn't a sufficient way to notify and receive authorization for absolute price gouging insurance rates. Over XXXX for a 2006 jeep liberty worth XXXX? XXXX. XXXX. Immoral. 

They retaliated by sending me a final bill showing the over XXXX amount as redacted or paid, with an additional, roughly XXXX, owed that was never once shown on any quote or monthly statement, or policy 6 month overview. The amount did not exist up until the time of cancelation and retaliation. 

Progressive was very quick to send the fraudulent debt to Caine and Werner, who also have a company policy of 30 days to talk to them, or you owe. Now I'm not sure how they think thats legal, probably got the same shmucks writing their company policies as the other guys, but I'm also very aware that companies break the law constantly under their own policies, as they attempt to literally police their own rules that are not infact laws. Rather than try to work with a stubborn debt collection company about the legality of their own practices, or the legality of the debt entirely, I figured it would be easier for me and better for the world to report them for attempting to acquire a fraudulent debt. I believe that progressive intentionally created this XXXX dollar debt because the debt over XXXX would have been found as fraudulent when Caine and Warner looked into it, before ever deciding to contact me. I don't believe Caine and Warner are intentionally trying to secure a fraudulent debt. But the debt of XXXX dollars that they are trying to collect from me, is fraudulent, and I really don't have time to XXXX around with these people who will just quote company policy as a way to attempt to violate my rights while pretending this debt amount and the one that was already called out as fraud arent related. I already know they will play the " we don't know about that we just know about this and we don't see fraud so gim me gim me '' yeah I'm good on all that XXXX for sure
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All these reported wrong. I do not owe citi or pro collect and I want them removed/paid in full on my account. everything else needs updated as closed/removed.
Product: Credit card or prepaid card

From XX/XX/21 through XX/XX/21, Capital One knowingly processed XXXX false and fraudulent charges by XXXX for a total of {$210.00}. There is NO contract, invoice, or authorization from the consumer to XXXX authorizing these credit card charges. NO product or service was provided to the consumer by XXXX. Capital One failed to conduct a due diligence investigation. Instead, Capital One required documents that do NOT exist. There is NO relevant contract, invoice, authorization, or cancellation policy because the consumer did NOT order anything from XXXX, or receive anything from XXXX. This is a credit card scam committed by XXXX and Capital One is complicit in this unfair, deceptive, or abusive financial practice.
Product: Credit card or prepaid card

I have a Truist credit card that had a balance of XXXX which I paid in full before the due date. On my statement the next month I was charged XXXX an interest even though my balance included only a {$2.00} purchase after I paid off the the balance. I contacted them and they put in a request to do an adjustment to my account. I'm concerned that they have done this to many others and that other people may not realize that they are being charged interest that they should not be charged. I also feel that since it took almost an hour to resolve being on hold and waiting that I should be compensated for my time. XXXX to {$50.00} would be fair.
Product: Checking or savings account

I deposted a check with Captial One bank online on XX/XX/21. They informed me that the check would be held for 60 days after I made the deposit. I waited the 60 days and the funds were still held. I contacted the bank and they informed me there was a missing endorsement and I would need to have the issuing bank return the check and issue a new one. I called the issure of the check and they said the check cleared their account weeks ago and that because the check has been paid Captial One should not be holding my funds and they would not re-issue a new check or return the paid check I needed to work this out with Captial One. I now can not get Capital One to return my call to settle this matter.
Product: Debt collection

i sent letter to them on XXXX, about this alleged debt that i do not owe. this is the information that i requested : XXXX. XXXX XXXX : A copy of the original contract or agreement bearing my wet-ink signature, which is the basis of the alleged debt. 
XXXX. Proof of Ownership : Documentation proving your legal ownership of the debt, including the complete chain of custody from the original creditor to the current creditor. 
XXXX. Full Accounting Records : Detailed accounting records of my account, both public and private, maintained according to Generally Accepted Accounting Principles ( GAAP ). This should include a comprehensive history of all transactions and charges applied to my account. 
XXXX. Affidavit : An affidavit affirming that a contract exists between me and your organization, including the terms of the contract and any other pertinent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my credit score had dropped over 120points at the end of XX/XX/2019 so I did some further research to determine why. 
Citi/Costco credit card company automatically applied a XXXX dollar charge for membership renewal in XX/XX/2019. 
The issue is, the credit card charged was never activated by me and no bills of any kind were sent to me, e-mail, letter or otherwise. So XXXX, XXXX, XXXX, XXXX, XXXX and XXXX no communications of any sort were sent to me, all the while accumulating penalty 's and interest. 
I called Citi and they told me XXXX had to take care of the situation, so back and forth we went. Citi said they would credit one months interest back as I refused to accept their version. Citi  eventually refunded all monies due and I closed the account and requested all information supplied to the credit agency 's be rescinded. 
As of this date no such action has been taken.
Product: Checking or savings account

PNC doesnt allow the use of XXXX to link your account with finance apps like XXXX