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

Bank of America ( BoA ) charged me an overdraft free on XX/XX/2017 ; however I checked my balance on that day several times and I never see a negative balance in my account. The last time I check my balance that day was around XXXX-XXXX CT and it was around {$1.00}. I did not use my card after this and at XXXX I received a XXXX transfer of {$150.00} to my account. I received the notification about the overdraft fee on XX/XX/2017 ; however, I never had a negative balance in my account that day. I contacted the bank and I spoke to XXXX ( employer id : XXXX ) and he said the reason of this overdraft fee was a transaction I made on XX/XX/17 around XXXX ( XXXX transaction ), but the negative balance was never reflected on my account. The said that I need to look at the account balance history, because there I can find the actual balance. However when I log into my account through the webpage or through the app, BoA show, the transactions order in a different order as the account balance history. it seems like the manipulate the order of the transaction in order to charge overdraft fees. To sum up according to the Bank of America 's representative, it is the customer responsibility to check the account history even though is something that it is hidden from the customer in the app and the webpage. I have records of my transaction and my balance to support this calim
Product: Debt collection

keep getting phones calls and they change numbers all the time,. XXXX, this is not a solicitation call this is the final attempt to offer you an opportunity to prevent court filing a tax you name if you like to speak to one of representative to discuss your case please call. 

please make them stop, call all the time and call family and work. and tell them about it. I am stressing about this and it is embossing. Said I owe XXXX XXXX money and I called them and i do not.
Product: Vehicle loan or lease

I leased a car in XX/XX/XXXX through a dealership in Arizona. 
There were paperwork issues from the beginging for some reason they filled out the paperwork incorrectly. Once all that was resolved with the dealership and went to NMAC when it was time for renewal with my local state DMV i paid the fees and DMV refused to give me my tags because they said NMAC needs to finalize paperwork on their end. I have been dealing with this since XXXX of XXXX ( look at your call logs NMAC ). I have called almost once a month in beginning and now lately every XXXX weeks. I have a car in my driveway I ca n't drive because it is illegal to drive a motor vehicle with no current registration. I have paid for this car and still not able to drive it. I have escalated multiple times to their management team with XXXX call backs ever. When you call customer care at XXXX they will tell you they will get someone to call you back or call back after 10 days each time. No one one calls back and when I call back its like starting all over or even the smart ones actually do some digging and say oh we see its gone to our registration department but we are waiting on the DMV. I still can't fathom to this day how a big corporation like NMAC cant figure out why I can't get my tags from the DMV because of a paperwork deficiency on NMAC part. Seems like no one there has any clue what is going on nor wants to take any ownership. I am seeking a reimbursement of the time frame of prepaid lease payments from XX/XX/XXXX till I can get some tags in my hand. Current lease ends in XXXX total time my car is sitting right now 3 months. Called again today XX/XX/XXXX spoke to XXXX he explained that they are still waiting on DMV to help fix the problem I questioned why NMAC doesnt have someone that can work with DMV directly. I can't fathom that they don't have a person they can directly contact being they are this big. Regardless they transfer me to senior agent yet again named XXXX and they are going to " investigate '' yet again. XXXX in title seems to keep putting notes that says she calls DMV and shes waiting on a call. How can she not have a point of contact at the DMV or follow up in a timely manner. We started this whole process in XXXX of XXXX. Here we are in XXXX.
Product: Debt collection

XXXX XXXX reported on my credit there was a bill for services rendered at XXXX XXXX XXXX. I told the person over the phone that there was a XXXX  balance ( paid in XXXX XXXX - all three bills XXXX XXXX XXXX ( 2 ) and XXXX XXXX ( 1 ) ) ; I requested that they send the proof of the bill. I got no response. I challenged it on my credit report and recevied no response. I requested that the proof of the bill be sent from XXXX XXXX and got no response. Then, approximately, in XXXX XXXX, I received notice that XXXX XXXX  had filed a lawsuit to sue for the amount plus court costs and 8 % annum. I spoke with XXXX XXXX and stated it was paid. I was spoken down too and threatened with various things and told I was a liar. XXXX XXXX continued on and tried to tell me to just no show up in court if I didnt believe this to be true. The paralegal also prescribed unsolicited legal advice that it was in my best interest to pay. I esculated the issue with IMC and was told XXXX XXXX was the supervisor and person responsible for the return call. I never received a call. I requested again from XXXX XXXX and XXXXXXXX XXXX XXXX in wriitng and the bills ; I never received them. I was told by XXXX XXXX XXXX that I had a XXXX balance and they would mail the receipt. XXXX XXXX sent an electronic statement of services renedered. I also questioned billing because I had received a refund from XXXX XXXX after I filed a complaint about being double charged for same services by multiple providers. I have appeared in court twice and spoken with XXXX XXXX of XXXX and XXXX, who is the attorney for XXXX XXXX. He said there is no way my statements could be true and told me I can not countersue for more than {$6000.00}, I could not file motions in court if they were in paper copy, and went on how he was going to be calling people to the stand to testify and try to pressue me into settling with him. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX have continued to fail tor espond to written, email, phone call, and faxes. I have over 80 hours invested in legal defense, lost wages, incurred cost to travel, and additional loss when all parties are fully aware this was filed fraudently. XXXX XXXX XXXX is adament that XXXX XXXX is fully aware that there is a XXXX balance and XXXX XXXX continues to argue in court this will take eight hours to settle in court ( seems he is trying to milk a paycheck ) ./
Product: Money transfer, virtual currency, or money service

Zelle has neglected to protect me as a consumer and failed to investigate my claims adequately. There is a lack of accountability regarded my lost funds.
Product: Debt collection

On or around XX/XX/XXXX, I contacted Commonwealth Financial ServicesXXXX XXXX XXXX  in dispute of a debt from XX/XX/XXXX in the amount of {$370.00}. In their letter dated XX/XX/XXXX, CFS states " Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. '' During my phone conversation with Mr. XXXX XXXX I firmly disputed this alleged debt as I had previously disputed this debt in XXXX. 

Unfortunately a XXXX XXXX XXXX XXXX of XXXX TX under the license of Dr. XXXX XXXX upcoded a visit for a simple UTI ( normally coded as XXXX that was upcoded to XXXX please see the following for an explanation of coding https : XXXX XXXX XXXX XXXX XXXX  XXXX. ) Mr. XXXX indicated he would send me a copy of the original bill and suggested I contact XXXX XXXX to resolve the situation. In the meantime, I was not to worry and I would be able to resolve the issue without fear of damage to my credit file. Despite my original dispute and reflecting to CFS and XXXX XXXX XXXX that I firmly dispute the charges as I did not receive the services claimed, the disputed debt was reported to credit agencies ( XXXX  ) as of XX/XX/XXXX. I immediately contacted this collection agency to ask this information be removed from my credit file. The " Manager '' indicated that CFS had the right to update my credit file at any time and queried how could I " prove '' I was upcoded. He refused to remove the inaccurate information from my credit file at which time I told him I would be exercising state and federal remedies available to me. My credit is now damaged as a result of fraudulent upcoding and a collections agency using predatory collections practices to strong arm individuals into payment.
Product: Money transfer, virtual currency, or money service

On the XX/XX/XXXX I withdrew XXXXeuros from Coinbase digital wallet to my bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the firm a multitude of times without result. Through email, chat, XXXX, all fruitless attempts. It 's like I 'm purposely ignored. 

My email address at Coinbase is  XXXXXXXXXXXX. I 'll send a screenshot as attachment. Thank you very much! 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I discovered that my mortgage servicing company records indicate that I am ahead in mortgage payments. I never intended to " pay ahead '' but have paid money in excess of the minimum payment to be allocated against principal. I requested an audit of the account and for an accounting of payments made and the allocation of those payments since the servicing company bought the account from the original lender in order to validate that payments have been properly applied. They state that an accounting was sent to me and charged {$5.00} for this service ; however, no accounting has been received. I have requested the information be emailed to me. I have called on multiple occasions and written via the website internal messaging feature. To date, I have not received the information sought. My account information on the company website shows only minimum payments received and applied to the account. The website provides only the last XXXX months of payment information, despite a feature that purports to provide XXXX months of information. I want more than XXXX months of information but do not know exactly when they took over the loan. When I call, their automated answering mechanism does not recognize my SSN which sends me into circular query until I have exhausted all attempts. After this time wasting exercise in patience, I am connected to a human who indicates my SSN is properly associated with the account. I have notified the company XXXX of this problem. The customer service representatives are clearly reading a script, are not helpful, and refuse to transfer me to supervisory personnel.
Product: Mortgage

Mortgage Company re-institute private mortgage insurance ( PMI ) after principal amount of loan has fallen far below the XXXX percent mark as required by law for PMI. No person answering or responding to any phone calls to know why the PMI has reappeared on the payments statement and explanation for " other '' on the payment statement
Product: Credit card

I receive d a letter last fall a dvising that my credit card account was being closed due to inactivity, which was great, because I was getting ready to call and cancel my  Chase Sapphire Visa  anyway. It had been nothing but problems and hassles and hidden fees [ like additional charges for paying off certain types of bills with your credit card - they likened it to taking a loan or gambling! That does n't even make any sense ] since I signed up for it and that was now  one p hone call I did n't have to make. I had already quit using the card, paid it off, and made sure to use/transfer all of my rewards points. Well, I notice an email abou t three weeks ago about a bill being due from Chase, which I found odd since the acco unt was closed. Lo and behold, I  see they have charged me annual fee on a card I was under the impression was closed, as well as interest charges. I have been speaking with their customer service reps via email for 3 weeks now ; it took forever to get any kind of real response, and they are stating that because the charge is from so long ago [ i.e. two months ] that they can do nothing to remove it. Well, the card SHOULD have been cancelled, and I 'm sorry, I do n't dig through my promotional email folder in gmail typically looking for things from closed accounts. They did finally formally close the account, but are still demanding I pay them the annual fee on a closed card [ which ALSO makes no sense ]. I asked to b e escalated to a higher supervisor and am still being told that NOTHING can be done. I am awaiting one more response, and have now threatened a BBB complaint as well as openly complaining about them on social media. I am hoping that contacting the BBB and you all will help. I know it 's only {$110.00} but it 's {$110.00} they do n't deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX and XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 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 or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 unauthorised hard inquiries on my credit report. This will affect my credit score and credit worthiness. 

XXXX XXXX XXXX XX/XX/XXXX XXXX Mortgage XX/XX/XXXX
Product: Debt collection

On XXXX XXXX I called RFGI about a letter in the mail to collect debt for XXXX  XXXX XXXX and now XXXX XXXX XXXX, XXXX for {$2300.00} for claim from XXXX XXXX. The representative told me I could only talk to her by giving her my SSN or DOB and would hang up if I didnt. After giving my DOB, she laughed at me saying because of HIPAA she can see my full SSN, DOB, and email address. Then said she can see where my insurance company denied the full amount for XXXX XXXX XXXX and the statement of claim they sent me. When I asked for all this to be sent to my house she only sent a letter that looks like it was made on XXXX word for a service on XXXX XXXX. I got the letter on Saturday XXXX XXXX and no copy of the statement of claims she said she saw was included. I called my insurance company on XXXX XXXX and they said they have my statement of claim that shows they covered it and that I am only to be billed {$710.00}. The RFGI representative lied to me about having a copy of a statement of claim from my insurance denying coverage to get me to pay the full amount. 
This item was suppose to be only the amount covered by insurance and no cost to the patient. XXXX XXXX XXXX is now out of business and XXXX XXXX XXXX bought out patient information. Now they want the money I was never suppose to owe.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the XXXX 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 XXXX XXXX XXXX XXXX XXXX are financial institutions by definition under that title. 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 XXXX XXXX XXXX XXXX XXXX , the financial institutions and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, and XXXXXXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution XXXX 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 XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ), no consumer reporting agency XXXX 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 again 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. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. Also 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: Credit reporting or other personal consumer reports

These inquiries on my credit are not recognized nor this they receive my consent
Product: Checking or savings account

I refinance my mortgage I had with BBVA, I'm with a different lender now. BBVA was never my primary bank, I only had my checking account to pay my mortgage and HOA via Bill Pay. I have cancelled my only bill pay with BBVA for my HOA like 3 times now and it keeps trying to send the payment out again. Not only was my mortgage pay-off of $ XXXX lost for almost 30days because BBVA applied it to the wrong account, now nobody can help me with this Bill Pay issue which has caused my account to overdraft. I have called the customer service XXXX number about 5 times about this issue, I have hung up on and transfer to different departments with NO solution. I need help to stop bill pay and close this checking account, now I'm receiving letters from XXXX to pay a balance of {$55.00} and BBVA that I'm overdrawn {$150.00}. Why? I tried closing this account and stopped bill pay in XXXX XXXX. This is BBVA error and NO one can help. I don't use this account, it had a XXXX balance. attached are screenshots of canceled bill pay and a few days later I get an email my HOA payment is going out! I need BBVA to write a letter of explanation to my HOA company stating their Bill Pay error that has caused {$90.00} NFS fees with my HOA company and they need to be responsible for these fees and close my checking account. Canceling bill pay should not be so complicating and there should be support for cases like this. I don't owe any overdraft fees, I did my part and canceled bill pay 3 times and it keeps sending the payment. 

XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice from XXXX XXXX of a fraudulent credit application based upon data provided by Experian. I tired to freeze my credit report and they will only freeze my account based upon a cumbersome certified mail process. The will however lock the account for a substantial monthly fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Debt collection

I have communicated with UNITED REVENUE CORP and XXXX about the fraudulent credit reporting and collection attempts over the course of the last 12 months and UNITED REVENUE CORP has since ceased to report on my credit report but they have not responded to my other demands. I have sent UNITED REVENUE CORP the attachments below via mail which consists of a notarized affidavit of truth, a notarized demand for verification letter, a notarized cease and desist letter, an ID Theft/FTC report XXXX Exhibits showing the violations compiled of the fraudulent mail URC sent me, and an invoice requesting remedy for violation of federally protected consumer rights under 15 US Code 1692k. These attachments should be more than enough to incriminate UNITED REVENUE CORP and I'm attempting to settle before this has to escalate to a civil or criminal process. Not responding to an affidavit of truth by default stands as truth in a court of law. I have also sent a notice of default and opportunity to cure. 

UNITED REVENUE CORP and XXXX has limited me from being able to buy a house, vehicle, and to extend credit. I suffered financial harm and harassment from them for the duration of a year. 

Per 15 U.S. Code 1692 - Congressional findings and declaration of purpose - UNITED REVENUE CORP has engaged in and practiced abusive debt collection practices.
Product: Money transfer, virtual currency, or money service

I was fraudulently by a website on buying a car for {$26000.00} due to a wire fraud to us bank account sent from my together credit union and us bank will not return money knowing its a scam
Product: Debt collection

I am a victim of Identity Theft. I had an account with US Bank XXXX that I closed. There were unauthorized charges totaling about {$14000.00} made to that account. I have contacted US Bank several times to have the Fraud Department research and have yet to have them resolve my account. This account is extremely damaging my credit scores and preventing me from getting the credit I deserve.