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

I own a XXXX XXXX  XXXX  XXXX in New Jersey. 
Beginning XX/XX/XXXX the Bank of America allowed the theft, via ACH transfers, amounting to {$440000.00}. The thieves moved monies in then out of the account. 
We caught the activity on XX/XX/XXXX and notified the bank. It was very hard and took a long time to secure the account. 
Bank of America had no monitoring of any kind. They missed credits and debits of {$.00} which is how the thieves tested the account. The transactions were enormous and out of sync with our banking history, they did nothing. 
Now we find out that we may not get any of our money back. We didn't even know it was being stolen. If a XXXX XXXX XXXX  banks with Bank of America they are at extreme risk of losing their money. 
The debit and credit dates and amounts are as follows : {$28000.00} DEBIT XXXX {$9800.00} DEBIT XXXX {$39000.00} DEBIT XXXX {$59000.00} DEBIT XXXX {$60000.00} DEBIT XXXX {$190000.00} DEBIT XXXX {$47000.00} DEBIT XXXX {$170000.00} DEBIT XXXX {$79000.00} DEBIT XXXX {$63000.00} DEBIT XXXX {$64000.00} DEBIT XXXX {$820000.00} TOTAL DEBIT {$63000.00} CREDIT XXXX {$64000.00} CREDIT XXXX {$79000.00} CREDIT XXXX {$170000.00} CREDIT XXXX {$0.00} CREDIT XXXX {$0.00} CREDIT XXXX {$380000.00} TOTAL CREDIT {$440000.00} STOLEN FUNDS
Product: Credit card

On XX/XX/XXXX, I purchased for my wife and I two XXXX XXXXXXXX XXXX refundable tickets. On XXXXXX/XX/XXXX, I placed a 24-hour " hold '' on a reservation for two XXXX XXXX ticket for XX/XX/XXXX XXXX The next day, I called XXXX and asked the agent to cancel the two XXXX XXXXickets XXXX apply the credits to the ost of the two XXXX XXXXickets, and charge my credit card for the difference in cost. I gave the agent my credit card number. He processed the transaction. After the transactions, I checked my wife 's and my XXXX account ( both online and via the XXXX XXXX ) and we were shown as being ticketed for the XXXX XXXXlight XXXX we has seat assignment for seats XXXX and XXXX, our XXXX  had been canceled XXXX and no XXXX  credits for those flights showed in the account. A check of the credit card showed we had also been charged {$300.00}. We were all set, or so we thought. 

Two and a half months later, when we arrived at the airport on XX/XX/XXXX to check in, we awere told by the gate agent I could check in but there was no record of a ticket number for my wife. We accessed the XXXX XXXXpp which showed for flight " XXXX '' she was " Status : Ticketed '' for a ticket that was " Issued : XX/XX/XXXX ''. They did not care, they saw no ticket number and we were told my wife could not fly unless I paid {$3200.00} for a ticket for which an XXXX XXXXgent had already processed a purchase ( for {$680.00} ). 

I have a phot of the App screen taken while at the counter showing her status as " ticketed ''. There system still had her seat reservation in place ( as well as her meal reservation ). Seat reservations can not be maintained if the reservation is on hold or has been ticketed and XXXX  claims neither was in place. 

The only explanation is there was a glitch in the processing of my payment for the two tickets. They payment for my wife 's ticket ( through credits and credit card charge ) did not get process properly and the ticket was showing as paid but no payments were recieved. But all that was invisible to us, it was a glitch in XXXX XXXX processing, yet XXXX, and Barclay 's Bank with whom the dispute was filed, are refusing to hold XXXX accountable for their error. And I am stuck with a {$3200.00} charge for a ticket which XXXX XXXXad already process the payment of such that the reservation showed as being " Ticketed ''. And in doing so, contradicts what XXXX XXXXndicates is possible with a seat reservation, that a seat had been reserved for XXXX months without it being on hold or paid for. Barclay 's has not, because it can not, explain why the evidence presented did not clearly demonstrate the {$3200.00} billing was a duplicate payment for a ticket that had previously been processed as " Ticketed ''.
Product: Credit card or prepaid card

I received a new PNC credit card and set it up for automatic payments online. When the first payment was due the payment didn't come out. When I was notified the payment wasn't made I called in and paid the amount due and set up autp pay again and had the late fee removed. The same thing happened again in XXXX so I called in to find out why the auto pay didn't come out and it turned out that when the representative put the auto pay in place for that one payment but not for recurring auto pays. So I called in and paid the payment but they refused to remove the late fee because they said it wasn't their fault. My statement clearly shows that the payment I made was an auto pay. Basically it's just a miscomminucation on their part that they told me I was set up for auto pay but didn't mention I had to do it differently for it to be recurring. The last time I called in we figured out what happened and they assured me the recurring auto p [ ay is on now but still will not remove the {$39.00} late fee.
Product: Credit card or prepaid card

In reference to CFPB case noXXXX and Bank of America case no XXXX. 
BOA has deliberately refused to address my dispute. This dispute has been going back and forth until present. The bank responded to a dispute that has already been resolved, and irrelevant or illegitimate documentation has been submitted to cfpb. The dispute about the cancelled ticket from XXXX XXXX has already been resolved. The tickets were used the following year ( XXXX ). Again my dispute is a charge of {$7300.00} on my card dated XX/XX/XXXX for a PURCHASED round ticket for XXXX from XXXX. I did not or ever purchased a ticket on the said date. I did not acknowledge any purchase of such and never received a MERCHANDISE. I can not stress that enough. I am therefore requesting proof of purchase and merchandise delivered for that payment. That is what BOA should have requested from a merchant before paying money out. Merchants should not charge to please themselves because they have a consumer 's card information on record. To avoid legal fees and any inconveniences, I want this to be settle amicably. I can not not stress that enough, that the charge on the card dated XX/XX/XXXX was not a cancelled transaction but a claimed purchase by the merchant which is in dispute. So for BOA to send a mail out indicating the rights of a merchant to operate business independently and set cancellation policies is preposterous and not holding for a charged item. The bank can not pay any money out to any individual or company without my concern and inform me to take it up the merchant when there is a fraud.
Product: Debt collection

I recently submitted a complaint with cfpb against Atlantic Credit and Finance. That complaint was closed because they said the debt was recalled and to reach out to Midland Funding LLC, even tough Atlantic Credit and Finance is a subsidiary of Midland. Now I am making a formal complaint with Midland Funding LLC. 

In XX/XX/XXXX, I received a collection notice from Atlantic Credit & Finance Incorporated, attempting to collect a {$17000.00} debt. I had no knowledge of my rights to verify collection debt with Atlantic Credit & Finance Incorporated before giving them access to my bank account to auto-debit the monthly payments. 

On XXXX XXXX, I tried to contact them with my NY Department of Consumer Affairs financial counselor, waited on hold for 15 mins before being directed to a voicemail. Again, on XX/XX/XXXX I conducted another three way call and attempted to contact Atlantic Credit & Finance by phone and got no response. I left a voicemail, but never received a call back. I then proceeded to their website and attempted to contact them via their inquiry portal and was able to submit my inquiry but never heard back. On XX/XX/XXXX, I received a notice that Atlantic Credit & Finance Incorporated transferred the debt to Midland Credit Management/ Midland Funding , who reported the debt on XX/XX/XXXX at {$16000.00}. On XX/XX/XXXX, I received a new notice stating that I was on a payment plan and that my new balance owed is {$5600.00}. I never spoke with Midland Credit Management/ Midland Funding to speak about a payment plan, nor did I provide them with any information regarding my checking or savings account for this payment plan. On XX/XX/XXXX, an ACH-debit from my checking in the name of " Midland Funding LLC '' was successfully able to withdraw from my checking account. Since then, I have contacted my bank and placed stop payments on both " Atlantic Credit and Finance '' and " Midland funding LLC ''. 

The original creditor is XXXX XXXX. This debt does not appear on my credit report : the debit, my payments towards that debt, or any mention of Midland Funding or any of its subsidiaries ( Atlantic credit and finance ). In total, there has been a debit of {$2000.00} from my personal checking account as referenced from my personal accounts and the " Recent Payments '' section on their most recent account statement under the name " Midland Credit Management '' ( please see attachments XXXX.
Product: Credit reporting

I have a paid State tax lien and it is suppose to come off XX/XX/2017 and it is stopping me from getting a good interest rate on a home. I have disputed many times with no call back no report it just says lien verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written Equifax about a collection account ( XXXX XXXX ) that's on my credit report and to no avail a response has not been received and it has been well over 30 days. This account should be deleted from my credit reports. It is sole the responsibility of the credit bureau to make sure all information is verified. According to the FCRA you are required to go beyond the original creditor to verify all information reporting because you are getting paid to do so. you are required to obtain original copy of the application or contract when this account was open, or applied for. I need the proof. How was this verified? 
Congress states : that the Credit Report Agency shall within a responsible period of time reinvestigate and promptly delete inaccurate unverifiable info. This needs to be deleted immediately. 
XXXX XXXX also stated that they never had a contract with me or original signed document so how can this just be placed on my credit without a proper investigation going the full length of making sure the information is verified thoroughly thorough the original said creditor.
Product: Mortgage

File a bankruptcy in XXXX and it closed in XXXX and my mortgage has not been reporting since XXXX. I didnt put my house in the bankruptcy and payments have been current since then. How do I get them to report my payments on my credit report?
Product: Money transfer, virtual currency, or money service

I was scam out of {$14000.00} by XXXX XXXX, XXXX XXXX and XXXX XXXX. 
XXXX XXXX work for XXXX XXXX, XXXX XXXX with XXXX Account and XXXX XXXX with Lifestyle Holiday Vacation. XXXX was the agent selling my timesharing. XXXX XXXX was suppose to be the closing office. XXXX was suppose to be Business Administrator at XXXX. XXXX was selling my timesharing for {$90000.00}. XXXX advised me there will be a transfer fee of {$9000.00} and XXXX called and said you will be reimburse at the closing. The closing was schedule for XX/XX/2021. Nothing happen no closing. XXXX again call talking about {$5800.00} administration fee for XXXX {$5800.00} to get this close out. Closing schedule for XX/XX/2021. Still no closing. XXXX came back with another fee for {$14000.00}. That when I realize I had been SCAM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX XXXX XXXX Capital Accounts XXXX XXXX XXXX XXXX, XXXX Nebraska XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

I am not liable for this debt. I have made the company aware that it is due to identity theft. A police report has been filed and still be slandering. My name with reporting agencies. When it is clear, that it is identity theft I am without a job, and XXXX is my only means he says run any chances I had of being stable again and has pushed me towards XXXX concerning my mental health. Please help me.
Product: Credit card

Synchrony bank closed my account because they said I had too many inquiries after a year of having an account with them and have never missed a payment.
Product: Checking or savings account

Account info. 

Account XXXX XXXX XXXX XXXX XXXX I am not using this account since I opened it. I ordered them to close my account even before they charged me XXXX dollars overdraft but they didnt. They are asking for a security code I created during opening of account. However I forgot that code. They dont have any branch anywhere near my citi. 

They charged me XXXX dollars overdraft me because I am not using account and balance is XXXX. 

This is the most weird bank I have ever dealt with. No other bank has such poor and rude customer support staff. 

I want my account to be closed and I dont want to pay overdraft fees because I am not using this account and never wanted to keep this account. Its bank mistake.
Product: Debt collection

THE AGE OF THE ACCOUNT IS 5 YEARS AND 10 MONTHS, FOR {$700.00} I HAVE BEEN TRYING TO DISPUTE THIS FOR YEARS, BUT NO LUCK
Product: Checking or savings account

I have been notified by XXXX XXXX XXXX  that I have accounts that I have no knowledge off, and it is preventing me from opening an account with XXXX XXXX XXXX XXXX. I have contacted Wells Fargo and they state that these accounts are valid but provided an address that I have never lived at. I have disputed these items for 90 days to no avail and get the same answers and run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows 90 day late payment in XXXX of XXXX. Applied for a loan modification in XXXX of XXXX due to reduction of income due to my wife having XXXX XXXX. Followed all the directions in which we started a trial period of 5 months of a reduced mortgage. During this period we could not be late and had to pay on the XXXX of every month. We qualified for the assistance. Following Bank of Americas directions we where told to put a stop on our scheduled deposits for the original mortgage. They never communicated with their own departments and placed us as 90 days late. I have spent 16.5 hours on the phone with Bank of America and applied for 4 credit reviews with documentation and all came back as denied. This has caused us to have a higher interest rate on our new mortgage. Also dramatic reduction in my own credit scoring.
Product: Checking or savings account

On XX/XX/year>, I sold my vehicle to XXXX and recceived a bank draft in the amount of {$17000.00} which I deposited into my BMO checking account at the BMO branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. At the time of deposit, my account was negative- {$420.00}. BMO informed me that a 7-business-day hold was placed on my check due to " recent overdrafts. '' However, on XX/XX/year>, an ACH withdrawal of {$14000.00} from XXXX was processed despite my available account balance being negative and my funds being held. BMO allowed an external company to withdraw my money before I had access to it. To be clear, these are all posted transactions, I do not have any pending transactions on my account at the time of writing this. My current balance went from - {$420.00} to {$16000.00} to {$1800.00} all without me being able to take out a dime. If my funds are on hold for risk reasons, then ACH payments should also be blocked, BMO can not selectively enforce restrictions. 


*I am uploading all documentation I have of the sale of my vehicle to XXXX in case there is any question as to the legitimacy of this bank draft.
Product: Mortgage

I am a first time home owner and I purchased my home in XXXX of XXXX. At my closing, I was told to put away a certain amount of money for escrow as there might be a shortage. I did as instructed and fast forward to XX/XX/XXXX, I get a tax bill that higher than expected, based on the discussion that took place at the closing table. The bill was sent to my mortgage company and they paid it. To recoup their funds, they built the amount into my house note, which increased my house note by a little over $ XXXX/mthly. I was offered a modification as a way to assisting me by reducing my mortgage and allowing me to put away the additional funds for my upcoming tax bill. The trial period for this arrangement was for four months. Once I completed it, my interest rate was to be reduced from 5.125 % to 3.25 %. I have since completed the trial with on time payments and received my paperwork for me to agree to the loan 's new XXXX XXXX XXXX XXXX XXXX During the evaluation, I start receiving letters from a few of my credit card holders that they are either reducing my limits or closing my accounts due to non-payment of real estate. This is not accurate and upon speaking with Gateway Mortgage, they tell me that they won't report my house payments until I restart the process. They want me to do a new appeal because the date of my signature and the date of the notary are two different dates. In the mean time, my credit has received adverse actions from four of my creditors. Three of them have reduced my credit limits and one has closed my account all together. This is unjust and inaccurate and I would like for this company to be investigated for their unethical practices.
Product: Credit reporting or other personal consumer reports

I requested that XXXX close my credit card account shortly after I moved away from XXXX XXXX in XXXX. The representative refused my request and stated that I would have to come in person to close the account. I paid all balances, cancelled the card, and thought all was well. In early XXXX I decided to move from XXXX XXXX XXXX and, again, requested that XXXX close this account. I worked with them for over a week via phone, secure chat, and email to finally get them to allow me to digitally sign the form to close my account. To my surprise they stated that I had a past due balance and XXXX notifications from XXXX in any way. I was surprised, but paid the ~ {$300.00} to check the box and continue with my move preparations. Now I am noticing that XXXX reported 6 late payments, which is destroying my credit. I reached out to XXXX to resolve the issue. They stated that since my account was already closed they would not be able to look into or dispute charges. I believe this is a malicious action taken by XXXX that should not reflect poorly on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on 3 occasions reached out to Transunion, XXXX, AND XXXX  and asked for them to investigate an item on my bureau. The item in Question is a XXXX  account # XXXX. They responded to me the first two times and the third time I didn't receive a response at all. My issue is that there are three separate date last active showing up for this account.This is a violation of FCRA because they are re-aging my account by almost a year. They say they have investigated. I have asked how and what method they used to investigate, and their answer is just " been verified ''. I need help on removing this information or getting it corrected.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a dispute for fraudulent activity on my cash app account and it took over a week for me to get a response from the Cash App team that ended up not helping me for my issue, not initiating a full investigation For a multitude of XXXX transactions, that I did not authorize. Of XXXX $ my whole paycheck
Product: Credit card

XX/XX/2016 ON XXXX WALMART CREDIT CARD SERVICES OVERCHARGED MY WALMART CREDIT CARD {$1000.00} FOR A XXXX CAR PAYMENT I HAD PREVIOUSLY MADE ON XX/XX/2016 WHICH WAS ALREADY DEDUCTED & REFLECTED ON MY XXXX & XXXX 2016 WALMART CREDIT CARD STATEMENT. I WANT WALMART TO CREDIT MY CREDIT CARD BACK THE {$1000.00}. MY BALANCE SHOULD BE AS OF TODAY {$1300.00} NOT {$2300.00}. I AM ALSO REPORTING THE WALMART FRAUD OVERCHARGE TO THE ILLINOIS DISTRICT ATTORNEY. I NEED ALL INTEREST LATE FEES AND AN ADDITIONAL XXXX CREDITED TO MY ACCOUNT FOR HAVING TO SPEND UP TO 3 HOURS ON THE PHONE WITH WALMART REP 'S XXXX, XXXX & XXXX IMMEDIATELY I NEED UP TO {$1000.00} REFUND CREDIT FROM WALMART TO MY WALMART CREDIT CARD :
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2018 ; XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX FINANCE  Account XXXX Account Name : XXXX XXXX Account XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or XXXX accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account # XXXX Dear To Whom It May Concern, I send out dispute letters to Transunion, XXXX, and XXXX twice to address the accuracy of the credit report. And they keep stating everything is accurate, but its not. I also attached where it is not accurate. 
I am writing to report an issue with my credit report, which I believe is inaccurate. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I am entitled to an accurate credit report. However, the information provided in my report is not correct. 

I request an investigation and correction of the inaccuracies as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX ---
Product: Debt collection

XXXX continues to call and leave voicemails and report to credit Bureau a debt not belonging to me.