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

Good morning I have a checking and savings account with suntrust bank. I am in XXXX, Georgia. I opened these accounts in XX/XX/2020. From day 1 I have had problems. First my name was spelled wrong, next, my address was wrong. like a fool I still allowed the bank to handle my direct deposit. I am now being continuously penalized and I feel that the bank is not showing the small account holder any benefit or customer service. as of today I have a checking account with a balance of - {$10.00} and a savings account with a balance of - {$240.00}. On XXXX, I transferred {$250.00} from my checking to my savings account tot purchase a laptop from XXXX for {$260.00}. On XX/XX/XXXX, I was informed I had an overdraft in my checking and savings account of over {$400.00}. this was due to the fact that the {$260.00} I paid for the laptop on XX/XX/XXXX was returned to my account without my authorization because overstock ad not collected the money yet. I found out that this was suntrust policy. My role in this was that I trusted suntrust and did not watch my account as closely as I should have. this gave me a false number o n my account giving the illusion that I had more money in my account than I did. as a result I withdrew more money than I actually had. on XX/XX/XXXX the money was withdrawn by XXXX and suntrust then charged every transaction between XXXX XXXX as an overdraft and fees were attached to my account. when I contacted suntrust customer service they explained their policy of returning money to your account after a certain period. I was not told this when I opened the account. After speaking with numerous agents over the phone and no one attempting to find out what had happened and being on hold for hours over qa period of 3 days a XXXX did the work and after seeing what had happened she took the overdrafts off leaving a negative balance of {$200.00} in both accounts even though my checking account was never overdrawn. I was told that when I make a deposit to either account both accounts would return to normal. This was done to my savings on XX/XX/XXXX due to direct deposit. However, the savings account, the account the was originally overdrawn did not reflect the payment and suntrust refuses to correct the situation. I am requesting that any monies be returned to me and my accounts corrected.
Product: Debt collection

Ive spoken with a XXXX representative who informed me my information is now being handled by Apelles LLC which is a collection agency. XXXX and Apelles has violated my rights 15 USC 1681 I never gave the company written consent to furnish my information, or to obtain my information this is a violation of my rights. I have a {$0.00} balance with XXXX bank I would like this removed from my credit report. As of appelles theyre violating my rights they cant show validation of debt, this is alleged owed debt Im not responsible for this debt. This debt has been brought and therefore I should receive a 1099 which I have not I was denied that information actually both parties are violating my rights. These companies are violating the FDCPA 15 USC 1692j the person can not design, compile, or furnish any form that creates the false impression that someone other than the creditor is participating in the collection of a deb. These are illegal tactics Ive been contacted twice by Apelles LLC asking me to pay this alleged debt which is a violation once again. I ask that both parties be held responsible I would like XXXX bank {$0.00} balance removed from my credit report, and as for Apelles they shouldnt be contacting me to pay something Im not responsible for they are harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my Synchrony Lowes account. After this account was paid, Synchrony added a couple dollars of interest. I was not made aware of a new charge, and the card ended up getting late payments. Once I was made aware, I immediately paid the account off, again. Now Synchrony is refusing to remove the late payments, despite adding interest to the account after I paid it full. I later received a notice from Synchrony stating that they have to report accurately but never acknowledged that interest was charged after the account was paid off. They are using unethical practices and are taking advantage of me and it is extremely frustrating. These late payments should not be there!
Product: Credit reporting, credit repair services, or other personal consumer reports

date : XX/XX/2022 Amount : {$1500.00} action taken : I, XXXX XXXX, have personally talked to the creditor company ( southwest recovery services representing North american bankcard ) and explained to them that the charge their claiming on my name is fraudulent. I do not know know who " north american bankcard '' is, and i have never signed any documents with them. Afterward, a representative from the collection company emailed me the documents they have and upon reviewing the documents it is further confirmed the documents are fraudulent as they do not have my signature anywhere in their supporting documents. therefore, i am submitting this report on this website. please check my driver license signature and the signature this company claimed is mine is not same. They are clearly a fraudulent signature
Product: Student loan

I graduated with a XXXX in XXXX. My student loan debt from my profit School is {$190000.00}. My monthly payment is {$1800.00}, my interest for my five loans through Sallie Mae range anywhere from 9 % to 12 %. 
I am XXXX, I dont know what to do. XXXX is refusing to work with me in anyway shape or form with repayment.
Product: Money transfer, virtual currency, or money service

My wife and I have separate Venmo accounts. Her account is linked to our joint checking account. I tried several times o transfer a Venmo balance to the same checking account, without success. I kept getting the message " error form submission ''. After spending a half hour on chat with Venmo I was told that only 1 venmo account could be linked to a bank account. We have a debit card attached to that account. I should be able to transfer the money through that account. The Venmo person admitted that this may be a glitch in the app. I couldn't find any documentation on the Venmo site that describes this.

My complaint is that the service did not perform as described. I am not seeking recourse ; just sharing this as misrepresentation on the part of the service provider. 

I resolved the issue by sending the money to my wife.
Product: Mortgage

Chase Bank caused irreparable harm on XX/XX/XXXX when officers of the Court for JPMorgan Chase Bank, XXXX XXXX, XXXX # XXXX and XXXX XXXX, XXXX # XXXX intentionally violated Regulation X and sold my personal residence at a Sheriff Sale in XXXX XXXX, IL. 
JPMorgan Chase and its Officers of the Court received two Loan mitigation applications dated XX/XX/XXXX and XX/XX/XXXX and made material misrepresentations to the Court that JPMorgan Chase reviewed the Loan mitigation applications per Regulation X. The XX/XX/XXXX and XX/XX/XXXX Loan mitigation applications were received by JPMorgan Chase Bank within 45 days or more before the XX/XX/XXXX foreclosure sale as required by the Regulation X servicing rule. ( CFBP complaint XXXX and XXXX ). 
Regulation X requires servicers to maintain policies and procedures reasonably designed to maintain polices and procedures reasonably designed to achieve specific goals that include : providing timely and accurate information ; properly evaluating loss mitigation applications ; facilitating oversight of and compliance by service providers ; and facilitating transfer of information during servicing transfers. 12 CFR 1024.38 ( a ). ( b ). 
JPMorgan Chase Bank signed XXXX consent orders issued by the Office of the Comptroller of the Currency ( OCC ), The Office of Thrift Supervision ( OTS ) and The Federal Reserve Board ( FRB ) to and Independent Foreclosure Review to address and correct deficiencies in the mortgage servicing and foreclosure processing as stated in CFPB complaint # XXXX and CFPB complaint # XXXX. ( Attached ) Servicing rules require that if a servicer receives a loss mitigation application 45 days or more before a foreclosure sale, it must notify the borrower in writing within five days to acknowledge receipt of the application and whether it is complete or incomplete. 

JPMorgan Chase Bank and JP Morgan Chase Bank Officers of the court made material misrepresentations to the Court and intentionally failed to comply with XXXX Consent Orders and Regulation X servicing rules to cause irreparable harm to its customers.
Product: Credit card or prepaid card

XXXX. 2022 JCPenny CARDS Recently the card company decided to reduce my credit limit on my card resulting to a drop in my credit score. I wasn't given a notice, I have no late payments, theres no outstanding balance on the card, and I used the card over a year ago and paid the balance off. What makes matters worst I called for a credite increase several times with no good explaination. The bank service Synchrony has several accounts with me with high credit limits. But JC Penny refuses to increase my limit.
Product: Mortgage

I have been trying to get into my account through app or browser Can not get in have reset password etc multiple times nothing works Have tried to call multiple times Can not get a human on the phone
Product: Credit card or prepaid card

I made purchases, may was misdelivered. I contacted XXXX the sums was supposed to be refunded. For the last 2 year, I'm waiting for several returned, the largest purchase being aXXXX XXXX that was never refunded. Because of the items not refunded, late fee, and interest fee has accumulated
Product: Money transfer, virtual currency, or money service

XX/XX/2022 my landlord initiated a money transfer to refund my security deposit in the amount of {$3800.00}. From BoA to XXXX. By mistake I provided incorrect ( last four digits in the wrong order ) account number. As a result the funds went to a wrong person in my bank. The sender made a request with BoA to resolve it and after almost 30 days of investigation Bank of America declined the claim without even contacting my bank. I made number of claims with my bank ( XXXX ) and every time I was told that in order to resolve it, BoA must contact XXXX and request a recall. In this case XXXX will follow a guideline to resolve it. It seems like this is the only way, but for some reason BoA wouldn't contact XXXX. I attached the letter from XXXX where they say that BoA must send a recall request to XXXX. Mistakes happen, but there should be a way to resolve this, to help your customers.
Product: Prepaid card

These are American Express Business Gift Cards. I purchased XXXX XXXX {$100.00} cards in XXXX or XX/XX/XXXX. Have used all but the last 2 and since XX/XX/XXXX have tried to use them online and in store for the and no one will take them. Online on XX/XX/XXXX I tried to use it on XXXX, it took the card and did an authorization but then declined it. The amount was for around {$75.00} which was under the {$100.00} balance. Had to wait several days before the Pending charge was removed. The cards still do not work anywhere. 

In Store it just says " Not Authorized ''. Tried XXXX XXXX twice. Contacted Amex support today XX/XX/XXXX and was told nothing was wrong with the cards to try another in store transaction at a different store and that only some store will take it now because of New Security features on the cards that require the Security Code. However at the store no where to input the code. Was told that some of the attempted transactions did not show up. I tried several online stores and they declined the cards. 

I checked the balance on both cards and they both have the full balance on them, which was confirmed by Amex support on the phone today. 

XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB XXXX XXXX : XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am writing to follow up on my previous complaint regarding Resurgent Capital Services and LVNV Funding LLC XXXX Despite their response to your inquiry, they have failed to adequately address the concerns I raised about the alleged debt. Their actions remain in violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Resurgent Capital Services claims that they have " properly verified '' the debt, but the documentation provided does not meet the legal requirements for validation. They did not include a debt sale agreement or any proof of ownership of the account by LVNV Funding LLC. Furthermore, there is no signed contract or agreement linking me to the alleged debt, nor is there a detailed accounting of how the current balance of {$3200.00} was calculated. This failure to provide adequate validation leaves significant questions about the legitimacy of the debt and their right to collect on it. In addition to their failure to validate the debt, Resurgent Capital Services continues to report it to the credit bureaus as disputed. This ongoing reporting without proper validation violates my rights under the FCRA. They have a legal obligation to ensure the accuracy and integrity of any information they report to credit bureaus, and their inability to substantiate this debt makes their reporting practices highly questionable. The response from Resurgent Capital Services also contains inconsistencies that further undermine their credibility. The documentation they provided, including generic terms and conditions and billing statements, does not establish a clear connection between me and the alleged debt. Details about the origination and charge-off of the account are also contradictory to previous communications.
Product: Checking or savings account

On XXXX XX/XX/2022, I hand-delivered a personal check made out to XXXX XXXX XXXX, XXXX in the amount of {$10.00}, XXXX. The check was given to XXXX, a representative of XXXX XXXX XXXX, at their office ( XXXX XXXX XXXX, XXXX CA XXXX ) as a deposit for construction options. I was later informed that XXXX put the check in the mail at a post office in XXXX, CA to be sent to their corporate office after receiving it. 

My check was deposited into an account held by Bank of America and subsequently cleared on or about XXXX XX/XX/2022. The image of the deposited check was not immediately available. However, on XXXX XX/XX/2022, I noticed an image of the check was available. After viewing the image of the check, I noticed that the check had been altered such that it was made payable to " XXXX XXXX XXXX. '' Additionally, the memo on the check had been altered from " Options deposit '' to " # XXXX ''. 

I do not know XXXX XXXX XXXX and am opening this claim to request your assistance with getting my money back. Although I submitted a claim with XXXX XXXX  Fraud department on XXXX XX/XX/2022 ; their response was that they are not responsible for returning my money. Rather, they claim, that Bank of America, the bank where the fraudulent check was deposited is responsible for returning my money. XXXX XXXX  also stated that they sent a letter of collection on my behalf to Bank of America for {$10000.00} but that Bank of America has not responded. Further, XXXX XXXX  indicated that if Bank of America does not respond to the letter of collection within 90 days of its remittance, they will close my claim and I will not receive my money. This is unacceptable as I believe Bank of America and XXXX XXXX  knew or should have known the check in question was fraudulent. 

I am in desperate need of help! I am on a very tight schedule and need the money in question back so that I can purchase a home. If I do not get the money back soon, the rate lock with my lender will increase and I will no longer be able to afford to purchase a home. Further still, housing prices at their current rate of increase will be priced out of my reach if I do not purchase the home I have selected within the proscribed period. 

Please assist me by encouraging Bank of America to respond to the letter of collection sent to them by XXXX XXXX. I would also appreciate any and all information about the transaction giving rise to this request such that I may share it with the City of XXXX, CA police department to aid in their investigation of this crime. 

Thank you for your time and attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

for the last two months I have been calling equifax to get them to stop sending the companies that I have accounts with that I am disputing something or that the account is fraudulent or something over and over again I have called them and they still doing the same thing they have messed up my account with modells because of this I ask you is there anything you can do to get them to stop this can you please help with this matter asap can you send me any legal advice or anything that will help I have no problem taking legal action against them this has got to stop and stop now is there a way I can file a police report or anything else I can do to get them to fix the problem that they have caused I have called XXXX  last month when it first happened and everything was fine and then they reported the same information again to them and my account was closed because of this and now I have to call them back and go through the same thing again please do whatever you can to get this issue resolved I am tired of this XXXX they are putting me through please help me out with this matter asap
Product: Debt collection

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items to be deleted from my credit report at your earliest convenience. 

Inquiry : XXXX XXXX XXXX  ( XX/XX/2021 )
Product: Mortgage

Hello. I received notice from my mortgage company ( Chase ) on XX/XX/16 that my monthly mortgage payment was increasing by {$780.00} per month due to a shortage in my escrow account. Upon researching why this happened, Chase acquired my mortgage from XXXX XXXX ( who I originally took the mortgage out with ). Previous property tax bills had always been quarterly, yet Chase made an annual payment creating the shortage. I reached out to Chase to explain why the shortage was there and try to figure out why my quarterly property tax payment was paid in one lump sum instead. I asked that the repayment of the escrow shortage be stretched out over a longer term as a {$780.00} per month increase is ridiculous and unaffordable. Chase 's reply was that I could write a check for the full amount of the shortage ( approx. $ XXXX ) to reduce my monthly payment or I could repay a portion of it and reduce my payment as well, but they would not extend the length of making up the escrow shortage. This is despite the fact that they changed the way the escrow account was managed from my original mortgage company. ( They've since said they'll pay the taxes from the account quarterly, but I have to make up this escrow shortage over the next 12 months ). Having never been late on a mortgage payment, I find the inability of Chase to extend the time period to cover the escrow shortage ridiculous. Expecting someone to pay an extra {$780.00} due to a mix-up on Chase 's end is unacceptable as well. We're now forced into trying to figure out where we're going to come up with this extra money each month so as to not lose our home. I understand mortgages can be acquired from who you originally take the mortgage out with, but the terms/managing should not be altered to the extent a monthly payment increases {$780.00} per month!!!
Product: Credit reporting or other personal consumer reports

On XXXX I made a purchase on XXXX for {$8.00} using my XXXX XXXX XXXX On XXXX I made a payment of {$10.00} to my XXXX XXXX XXXX On XXXX I made a payment of {$10.00} to my XXXX XXXX XXXX XXXX XXXX a payment of {$10.00} posted to my XXXX XXXX XXXX XXXX XXXX XXXX issued a statement for my XXXX XXXX XXXX showing the account over the {$5000.00} credit limit by {$9.00} On XXXX WFC sent negative information to the Experian Credit Reporting Co. 
On XXXX WFC a payment of {$10.00} was posted to my XXXX XXXX XXXX As can be seen from the above time-line of events, XXXX failed to timely post my payments to my Visa account and thereby caused a violation of the {$5000.00} credit limit by charging interest to the account ahead of posting the last payment. Had XXXX timely posted the payments, there would NOT have been any violation of the {$5000.00} credit limit. Therefore, XXXX should be required to retract the negative credit information they sent to the Experian Credit Reporting Co. ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft VW CREDIT Account XXXX : XXXX This is not mine.
Product: Student loan

They are saying I am out of school as of XX/XX/2018. They did not do their research. The new school session started on XX/XX/2018 and I am currently a XXXX   XXXX. Also, the school on the loan needs to be updated to XXXX XXXX, they have the wrong school attached to the loan.
Product: Debt collection

I was XXXX  to XXXX XXXXXXXX XXXX XXXXXXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. When I went in I had XXXX XXXX XXXX XXXX XXXX. As of XX/XX/XXXX, I had XXXX XXXX XXXX XXXX XXXX. I told the facility and gave them all the information. Every month I would call billing they said they would handle it. The last time I emailed them on XX/XX/XXXX to please bill the XXXX XXXX so that the bill would be taken care of. Then in XXXX, I received a statement from Grand and Weber Arizonia , Inc. telling me they were trying to collect on a debt for XXXX XXXX. Right away I called and explained the circumstances and they pretty much told me oh well too late you have to pay us. Now I either get statements or emails once or twice a month have even disputed this with XXXX as they put it on my credit report. All that did was put on there that I disagree with the debt. Well I do but in the meantime, it is a derogatory remark and ruining my otherwise good credit history. I just feel this is unjust in that the second insurance company was never billed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are certain steps debt collectors must take before they can report a debt to a credit reporting company. They must actually SPEAK to me by telephone or in person about the debt. Or mail a letter or send an electronic communication about the debt. I have never spoken to anyone and no one sent me a letter or e-communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WENT INTO FIRST AMERCIAN TITLE LENDING XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. I applied for a title loan. I was told that I had too many miles. They spent a lot of time making comments about a previous title loan with a title company. After I was denied the loan, I left the company. I applied for other services and discovered that the staff and company had used my social security and other personal identifying information to add a fraud alert to my credit reports without my permission. I applied for gas services and was denied. They could not access my credit report. I can not cook and get this process completed in a regular amount of time. Its the same issue with other services when I applied for services. They took away my privileges.