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

From : XXXX XXXX To : CFPB Date : XX/XX/2022 Issue of My Compliant- I went ot Bank of America branch on XXXX XXXXXXXX XXXX XXXX from XXXX  store to make a deposit of several checks and withdraw {$200.00} on XX/XX/XXXX. 
Shortly afterwards, I noticed that the Bank made an additional debt or withdraw of {$200.00} in my account on the same date. I have not made such additional withdraw. 
I have brought this matter to the attention fo XXXX XXXX XXXX, Relationship Banker at the Branch on XX/XX/2022. At first, the bank thought it might be a scanner error and told me it could be fixed by XX/XX/XXXX, the next Tuesday. What might have complicated the issue is that somehow the bank could not find the {$990.00} check I deposited initially, hence deducted that amount from the transcation. Thus I went to the other bank where this check was issued and stopped the check. The Bank subsequently found the check and returned it as I already stopped it. 
But the net result is I lost {$200.00} as a result. It seems to me that I should not suffer a loss of {$200.00} by simply deposit a few checks and withdraw {$200.00}, a very simple and routine bank operation. Since it's almost two months now and the issue has still not yet been resolved, so I decide to file a complaint with Federal Reserve, XXXX XXXX, which supervises Bank Operation for consumers. Thank you for your help on this matter. 

1. From my deposit statement on XX/XX/2022, with net deposit of {$860.00} plus a cash withdrawal of {$200.00} already included. ( A copy of a letter from Bank of America is attached with a photo copy of the deposit slip. ) 2. From attached file of my bank of america checking account ( ending XXXX ) XX/XX/2022 statement, page 2, there is an entry of {$860.00} deposit and also another {$200.00} debit, both on XX/XX/XXXX, which is incorrect, as the {$200.00} withdrawl is already included in the transcation involved in the {$860.00} deposit. ( My XXXX bank statement is attached. ) 3. I have brought this error to the attention of XXXX XXXX XXXX of the local branch ( XXXX XXXX XXXX across from XXXX  store ). In spite great effort by XXXX XXXX to resolve this issue, so far it is still not resolved. 

4. I also tried to see if I can reach online to file a compliant with Bank of America, but only get the following as response. " We did not find any transcation eligible to disputes. ''
Product: Credit card

Truist Bank has covertly changed my credit card statement delivery method to the Paperless option without providing proper notification. Consequently, I missed my payment date on XX/XX/XXXXXXXX  and again on XX/XX/XXXX. The missed payment on XX/XX/XXXXXXXX  resulted in a {$20.00} late payment fee and an {$11.00} interest charge on purchases. 

When I contacted their online agent, XXXX, to request a fee waiver, he informed me that the fee had already been waived in XX/XX/XXXXXXXX  and could not be waived again. I stressed that I was switched to paperless delivery without notification and requested a supervisor to review my previous chat. However, he ignored my message and ended the chat. 

Every few months, Truist Bank prompts me to select statement delivery options, and each time I choose the " Mail Only '' option. Subsequently, I discover that I have been switched to the " Paperless '' delivery option without any notification. When I bring this issue to their attention, they blame me for selecting the " Paperless '' option. Truist Bank is the only bank I have encountered that changes statement options without notifying the customer. I hope this complaint prompts them to review with their IT team to identify the cause of their system automatically changing the statement delivery option even when the customer selects " Mail Only. '' In the meantime, I request a refund for the fees incurred. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation did not fix error on my Transunion credit report.
Product: Mortgage

Escrow account analysis completed incorrectly - Quicken Loans did not verify current required payment from our taxing authority. 

Appraisal value of home changed and required property taxes were reduced by {$5000.00}. New escrow analysis was completed and concluded that the escrow balance and payments remain appropriate. 

Without escrow changes we will be paying above the maximum escrow balance per RESPA ( calculate at escrow requirement + 1/6th account cushion = XXXX ). 

This is not the first time we've had significant issues with Quicken Loans. 

They did not have documents prepared accurately at closing and we had to wait several hours while they corrected forms. 

They falsely claimed escrow was covering homeowner 's insurance payments and I found out three months after closing that this was not the case and the insurance was not valid as they had never received a payment from Quicken. Thank god we had not had to make a claim. 

They called some months back offering to refinance the loan with no money down - I asked them to confirm this was the case before running my credit. They did, ran my credit, and then said they couldn't offer what they had indicated, hitting my credit with a hard inquiry for no reason. 

I am a former XXXX  XXXX and have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Based on my experience I am extremely concerned about Quicken Loan 's ability to accurately service our loan.
Product: Credit card or prepaid card

I have a Target Credit Card and my credit limit is never increased when I make a payment only until I call and have them verify with the bank that the payment has gone through. I would completely agree with that, but currently I am waiting on payments to reflect to my credit availability going on seven working days. I have discussed this with Customer Service and they refer back to Target Credit Card Agreement which states " We may delay restoring your available Credit Limit in the amount of the payment to make sure we receive the funds. '' However, when I ask what process that is used to ensure my funds were received, they can not answer that question, but become insistent that we do a conference call to verify the payments.
Product: Mortgage

I had some XXXX  XXXX  and my family member also got sick with XXXX  XXXX.. I asked if we could a deferment. The mortgage company told me I could go 6 months to a year with no problem that the president signed a program to help families with XXXX  XXXX and its no problem. They called it a forbearance. I was so delighted they would work with me. Since the beginning they have harrased me. I'm XXXX XXXX XXXX veteran and my income is XXXX from the VA and XXXX. Now my home owners insurance was included in my payment. I changed insurance companies back in XXXX. Shortly after that the insurance company XXXX explained they are not being paid by my mortgage company. It was set up at closing to be paid by the mortgage companies. A manager helped me with a 3 way call. The mortgage company has been refusing to pay and put forced place insurance in my home. Even though I found out there is an overage in my escrow account the mortgage company told me they don't set up escrow to pay insurance only taxes. They told XXXX they will now pay them as of yet I have been paying my homeowner insurance as they have still lied over and over about paying it. They collected it though. I don't want to lose my house but I'm getting to the end of my rope with this mortgage company.
Product: Debt collection

My ex-wife and I had an account in which she was supposed to be responsible for paying the account. She has since denied any responsibility for this account and it went to collections. The collections company is utilizing very ambiguous and questionable business practices by frequently increasing and changing the amount due. The original debt owed to XXXX XXXX XXXX XXXX was {$19000.00}, as reported on my XXXX/XXXX/2015 XXXX credit report. At Within the past THREE months the balance has been reported to all XXXX credit bureaus at a higher and different amounts. I am very aware that XXXX XXXX has already written off this balance as bad debt, and this company is trying to get more money while seriously damaging my credit. They even put on my credit report negative comments like " debtor has now been located ''. I had previously called and they had my address so the implication that I was missing is slanderous because it is affecting my good credit history. 
I have made multiple attempts to resolve the issue I have asked them for documentation of how and why the balance increased from {$19000.00} on XXXX/XXXX/15 to XXXX on XXXX/XXXX/15 to {$30000.00} on XXXX/XXXX/15! I have attached copies of the various notices in letters they 've changed demonstrating the rapid increase in the balance with no justification or as to why the balance have changed. I spoke with this company and they refused to settle, refused a payment plan, refused to explain or send a detailed invoice, they just keep sending notices with higher balances due. And each notice looks different. When I asked to speak with a manager, the woman, possibly " XXXX XXXX '' on the phone refused to get a manager for me. She was rude and very disrespectful. 
I really want to get rid of this problem. I would like to settle for 20 % of the original {$19000.00} debt due to the fact of the stress, defamation of my character by negative and fraudulent reporting to the credit bureaus, and problems working with this company have caused me. 
Thank you for any assistance you can provide me in this matter.
Product: Credit reporting or other personal consumer reports

Good afternoon, I hope you've enjoyed your XXXX XXXX XXXX weekend. Unfortunately between the time that I initially submitted my original complaint, more accounts have appeared on my transunion report that are a direct result of Identity Theft. The following accounts are being inaccurately reported to my credit report : - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX As of XX/XX/2023, these accounts are being reported to my transunion account and they are a direct result of Identity Theft. I will attach all necessary documents to prove Identity Theft. Thank you.
Product: Money transfer, virtual currency, or money service

Six days already like CITI Bank refused, first, to satisfy my actions for  transfer by XXXX to transfer my money {$1800.00} to XXXX XXXX  recipient. CITI Bank keeps my account blocked from me completely and did not allow to use XXXX transfer from my account. They make fun of me and play stupid. I asked recipient to request money from my account and the same thing happened, Citi Bank denied that request also. It is known road for transfer by XXXX that was performed before in the past.

Do you know how long it takes to get transfer by XXXX? My request for XXXX was denied. Citi Bank did not allow me to transfer money by XXXX. I asked the recipient XXXX XXXX to do it from his side. He did it at my request for the same amount of money. XXXX XXXX did not get the money from my account too. I have money on my account that was supposed to be transferred to the recipient of XXXX XXXX account. The payment to XXXX was scheduled and the transaction fell. Who is responsible for all this mess? CiTi Bank still refused to unlock my money and continue to keep my money away from me under their control. Is that criminal?

CiTi Bank did not ask me in the past to confirm the payment by XXXX to the same recipient and now they did and they blocked me from that action too. Some criminal at CiTi Bank just making a mockery over me and everybody assisting that criminal and every my call denied for assistance.
Product: Money transfer, virtual currency, or money service

I received a check from a customer/scammer in the amount of {$1700.00} on XXXX. 
I deposited the check through PNC mobile on XXXX. 
Check cleared with the bank and funds were deposited into my PNC account on XXXX. 

On XXXX and XXXX, the customer/scammer sending the check requested a partial refund of {$1000.00}, and {$600.00} through XXXX, respectively. 
I confirmed that the check cleared with my bank, and proceeded to XXXX the individual those amounts. 
In the evening of XXXX, the check was refunded. 

I called PNC to file a dispute on XXXX, once I realized I had been scammed- they indicated that the department handling such cases was closed over the weekend. 
I called PNC again on XXXX to file the dispute. 

I called PNC on XXXX to get a status update on the dispute- PNC informed me that the dispute was ruled against me on XXXX despite the charges being fraudulent and predicated on the confirmation from PNC that the check had cleared and was processed during the week of XXXX.
Product: Credit card

I visited XXXX XXXX XXXX XXXX  on XX/XX/XXXX in XXXX XXXX, TX and purchased a total of XXXX worth of merchandise. While at the register I placed my XXXX XXXX card in the Point of Sale Terminal ( chip inserted ) to complete my purchase. I walked out with a paper receipt and went on my way. Approx XXXX days later I received a 60 day late payment alert from my XXXX XXXX XXXX XXXX which was the first I was made aware of this account. I did NOT receive a Terms of Service, a physical card, or any other information from Comenity Bank or XXXX XXXX to indicate I had been issued some sort of credit card. To this point, I still have not received any of the disclosures or typical information I would expect after a card was opened. 

Once I was aware of the issue ( approximately early XXXX of XXXX ) I opened a case with XXXX and called Comenity bank to dispute this card. I received a response back from Comenity Bank via latter dated XX/XX/XXXX stating they did not have enough information to make a determination and to contact them, and include the account number in any correspondence ( which I still do not have as of this writing. ) Today ( XX/XX/XXXX ) I received a call and a voicemail at XXXX central time on my personal mobile phone from an XXXX NM. Although they left a message they have since placed additional calls today at : XXXX, XXXX, at XXXX and again at XXXX + voicemail, so far today, which I understand is a violation of the FTC Regulation F requirements .
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 trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- {$8300.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$470.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$8300.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$130.00} XXXX XXXX XXXX XXXX XXXX  -- {$8300.00} XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$55.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$5300.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$14000.00}
Product: Debt collection

ProCollect refuses to provide any further information to verify the debt other than the name of the company and the amount. There is no contact information for the medical company as it appears they are no longer in business. The medical group appeared to provide services in XXXX 2009 but we have never been contacted by phone or in writing until after the account was placed into collections and reported to the credit bureaus. We did not even get a chance to provide insurance information to the original provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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  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: Debt collection

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR AFNI, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR AFNI, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for a CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR AFNI, INC., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR AFNI to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR AFNI, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime.
Product: Money transfer, virtual currency, or money service

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

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

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX I have sent a certified XXXX fraud request to remove items off of my credit report - please see attached PDF for complete details. Equifax refuses to honor this fraud removal request.
Product: Credit card

hi sir I book car for one week rental throw XXXX XXXX XXXX on XX/XX/year> and next day I diside to cancel booking budget car I got they also charge my card {$21.00} when I cancel booking I also call XXXX XXXX customer service .for cancellation. but when I receive my bank statement XXXX XXXX still charge full week price {$450.00}. I call my Bank of America explain all the matter and start dispute my bank give me temporary credit in my account .after two month I see my bank take money back to my account. now they ask me money {$450.00} for no reason because I not use the sevice. please help me this matter .thank you so much.
Product: Debt collection

They contacted me via mail Letter dated XXXX stating that I owed money to XXXX that they now own it and they were collecting the debt as the Account Summary only as proof.

I have disputed this 5 times with them and submitted the 2 letters from XXXX stating this account is under Fraud Review. I have requested documentation where they own or manage the Account as per their letters. As of today, they have NOT provided as documentation.
Product: Consumer Loan

I purchased a motorcycle back XX/XX/2015, which was financed through Synchrony Bank. When closing the sale the representative helping us at the dealership told us the payments would be automated and asked for our credit card information. The first payment was supposed to go through in XX/XX/XXXX, but it never did so I called Synchrony Bank in XX/XX/XXXX to see what was going on and what I needed to do to have them charge the payment to my card. They informed me that they did not process automatic payments via credit cards and that I 'd have to complete and return an authorization form allowing them to withdraw the monthly payments. I completed and returned the form along with a money order for the past due payment. In XX/XX/XXXX I noticed that, again, the automatic payment had not been processed even though I had mailed them the authorization form so I called Synchrony Bank yet again. I was told I needed to mail them the form again and another money order, so I did. After that, I did not hear from them again so I assumed everything had gone through. Yesterday a repo man showed up at my mailing address to repossess the motorcycle - I was not there, nor was the motorcycle so they left a message with my brother for me to call them. Today I called Synchrony Bank to ask what was going on and they told me that my account had been sent to the collection department so they could not help me. When I reached out to the collection department they forwarded my call to the repo department who hung up on me when I requested someone who spoke XXXX since my spoken English is not great.
Product: Debt collection

I lost my job and was trying to get a new one to cover the bill but they did not care they still told me to leave even though I explained everything to them.