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

On XXXX XXXX, XXXX, I checked into a hotel where the total was {$240.00}, so I deposited {$260.00} into my account to cover the cost of the room. As I checked in the young lady informed me that the hotel would place a hold on the funds needed to cover the room plus an extra {$20.00} per night to cover the hotel 's incidentals fee, I said that would be fine and checked in. On XXXX XXXX, XXXX when I checked my account there had been a charge on my account for {$170.00} made for a garnishment, XXXX that I had been informed by letter would not take place and the funds would be removed from my tax return of the upcoming year, and the hold that covered the hotel cost was now gone. I tried calling the bank and I was informed that it had nothing to do with the transaction, and that I would have to call the state revenue offices for them to release the funds and once the revenue office did so that the bank could place the funds back into my account. I then called the revenue office and spoke with a XXXX XXXX id number XXXX, where she informed me that the bank infact did know about the transaction and approved for the funds to be moved yesterday, XXXX XXXX, XXXX. She also informed me that the funds had not yet been transferred to them. So, I called the bank back and spoke with XXXX, who says that even though the revenue office did not yet have the funds they were the ones that had to reverse the transaction. After he tried to explain the situation to me, I asked him about the funds that were on hold for the hotel and he says to me that the hotel never placed a hold on the funds and that there was no record of any transaction involving a hotel. I then tell him that I would not have been able to check in if the hotel could not place a hold on the funds in my account ; I knew better because I have been homeless and living in hotels sine XXXX of XXXX and the hotel has always placed a hold on the funds to cover the cost of the room plus the incidental fee. I have had incidents before where the bank has shuffled around transactions that would leave me in the red but never much. I would just like for the funds to be placed back into my account so that I can cover the cost of the hotel room.
Product: Debt collection

I received a notification from XXXX XXXX advising that a collection had been added to my account. There was no phone number or any other contact information listed. I XXXX the company name and was advised that they were attempting to collect a debt on behalf of XXXX. I advised them that I have not received cash assistance in over 20 years. I also advised them that I had never received any correspondence from them regarding the debt. And if I did owe any debt that Id filed a bankruptcy so all collection activity shouldve ceased. It is illegal to report an account for a second time to any credit bureau after the 7 year term. This account was placed back on my credit by this collection agency fraudulently. They reported this as new debt as of XX/XX/2020 but verified over the phone that it was more than 10 years old. They have reported false information to all 3 credit bureaus as if this is a new debt. This is considered Re-aging debt and this is illegal in the state of Illinois!
Product: Credit reporting, credit repair services, or other personal consumer reports

the collection account is reporting an active payment history and there's no contract between myself & XXXX. XXXX nor Experian making it impossible to have a reported payment history as they are not the original creditor. This collections is reporting every month from XX/XX/22 XXXX
Product: Credit card or prepaid card

I have two accounts with American Express. Both of these accounts are in a debt consolidation. I have been advised by my bank that American Express has debited my account for the past month of XX/XX/2018 in the amount more than {$500.00} on numerous days. 
I called American express, I did not authorize these charges. American Express is " looking into the matter. '' I called my bank and they put a stop payment on the latest on for {$200.00}. The rest is being investigated for fraud. 
I need American Express to be made to account for their underhanded way of conducting business. 
Thank You
Product: Bank account or service

On XXXX XXXX, 2015, I made a XXXX deposit on an Chase ATM machine located on XXXX XXXX XXXX XXXX in XXXX, XXXX a little before XXXX pm. After I was asked to insert the bills, the machine took a long time to process the bill count and then gave me a receipt saying that the atm machine was currently unavailable and a number I should call to report the incident. The number was toll free ( XXXX ) XXXX to which I called immediately at XXXX and then dialed again at XXXX. When I talked to the representative, they told me that the machine would not return any money and that the amount of XXXX dollars would be credited to my account. I did not think much of it and believed it to be a ATM error that had been resolved with this call. On XXXX XXXX, 2015 I noticed there was a reverse credit for this same amount and I contacted Chase Bank in XXXX and they transferred me to the claims department. I talked to a representative that told me that when the machine was serviced they had not found any excess money in this machine and that they had also checked the surrounding ATM machines. To which I responded that I had told them the exact location and machine in which the deposit was made. He said they would open up the claim again and double check if they would find that money. I asked to talk to a senior specialist who did not disclose his full name ( XXXX XXXX in XXXX XXXX ), and pretty much told me that if I had in fact made that deposit, then it would have been found in the machine. I do not know what to do next, I will be going in and talking to my bank supervisor.
Product: Credit card or prepaid card

Purchases totaling {$27.00} were made XX/XX/XXXX and XX/XX/2018 using Lowe's/XXXX XXXX Credit Card . Electronic delivery of statement was missed and {$25.00} payment due on XX/XX/XXXX was made two weeks later on XX/XX/XXXX. The remainder of the balance for purchases plus interest ( {$3.00} ) was made XX/XX/XXXX when the next statement arrived. Interest on {$25.00} for two weeks calculated at the statement rate of 26.99 % annual is approx. {$.00}. ( XXXX XXXX  ).  Lowes assessed a late fee of {$25.00} on the original purchase amount of {$25.00} ( purchase amount was paid two weeks late ). That is equivalent to approx. 200 % per month or 2400 % per annum. When the original fee of {$25.00} was not paid, Lowe's/XXXX XXXX, on subsequent statements continued to assess and attempted to collect additional fees and interest, compounding monthly. The current balance of fees and interest on XXXX amount purchase principle is {$180.00}. For the calculation on a zero principle to be any amount more than XXXX, the interest rate required would be more than infinite. 
I hereby report Lowe's/XXXX XXXX  for the crime of usury.
Product: Debt collection

LOANS THROUGH AFFIRM SHOWING ON XXXX CREDIT REPORT. 
XXXX, XXXX, AND XXXX. I HAVE A PRIOR DISPUTE THROUGH CFPB AND AFFIRMS RESPONSE WAS TO FILE AFIDAVIT WHICH I DID THROUGH THIER WEBSITE FOR ALL THREE LOANS. ON XX/XX/10 DAY OF SUBMISSION I RECIEVED 3 AUTOGENERATED EMAILS STATING THEY TAKE THESE MATTERS SERIOUSLY AND HAVE YET TO HAVE A RESPONSE. I ALSO WROTE BACK ASKING FOR A RESPONSE AND I HAVE NOT HEARD ANYTHING. I FILED ADDITIONAL FEEDBACK TO BE PUBLISHED ON THE GOVERNEMENT WEBSITE FOR THE LAST COMPLAINT. I WOULD LIKE TO HEAR AFFIRMS RESPONSE TO THIS MATTER AS THEY HAVE NOT YET ADDRESSED THIS ISSUE AND IT HAS BEEN GOING ON 6 MONTHS.
Product: Debt collection

Bank of America took my house under false pretenses by saying that we needed to fall behind on our mortgage in order for them to help us under HARP. 
The house was foreclosed on after years of harassment. They got my house lost a lawsuit for fraud for taking the house. Reported the check they had to send for screwing my whole family as an income for tax purposes, just as a criminal enterprise would, and then has the balls to sell debt on the house to a 3rd party debt collector. ( XXXX ) I will NOT pay one cent on debt already settled once!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid that loan off we came to an agreement but it still showing
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment XXXX you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It came to my attention that theres some incorrect information/ accounts that were not mine, never were mine and ive never cosigned or allowed my information to be used heres the accounts below 1. cbna - {$190.00} XX/XX/XXXX2.XXXX XXXX {$0.00} -XX/XX/XXXX 3.XXXX XXXX {$0.00} -XX/XX/XXXX4. best buy/cbna {$240.00} -XX/XX/XXXX 5.macys/dsnb - {$500.00} -07/2017 6. verizon {$1000.00} -06/2017 7. amsher XX/XX/XXXX ( XX/XX/XXXX ) {$160.00} -XX/XX/XXXX 8.XX/XX/XXXX {$1000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act this creditor SYNCB/HOME DESIGN HVAC and XXXX XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 section 604 A section 2 a consumer reporting agency can not furnish and account without my written instruction. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose
Product: Credit reporting

I requested a credit report from Experian for XXXX dollar and found out they also set me up for a membership I did not want and they will not refund my money. My credit card company acknowledge this happens frequently with this company. This is a very deceptive practice and need your help in recovery my money and stopping this company from continuing this practice.
Product: Credit card or prepaid card

this bank is crazy they dont call me from executive to hear my concerns im having with my secured card i applied for the unsecured card as told and was declined which makes no sense on their letter it just states PAYMENTS WERE RETURNED FOR INSUFICIENT FUNDS OVER THE PAST 12 MONTHS AND TO CALL CUSTOMER SERVICE WHEN I DO THEY CANT FIND THIS INFORMATION THIS IS NOT A VALID REASON TO DECLINE ME WHEN IM APPLYING FOR ANOTHER ACCOUNT THEIR USING MY CURRENT ACCOUNT AGAINST ME IVE BEEN WAITING YEARS FOR GRADUATION AND THEY TOLD ME TO APPLY IF I DONT WANT TO CONTINUE TO WAIT FOR SO LONG
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter on explanation from XXXX   XXXX XXXX XXXX/ aka XXXX XXXX XXXX. 

This agency stated they assigned the servicing of my loan to XXXX XXXX   XXXX XXXX.As I've mentioned on several occasions, I wasn't notified of the transfer. By XXXX XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, within the fifteen day time frame. 

I was under wage wager in XXXX and discharged in XXXX. The courts wasn't neither. Your bank sent me XXXX statements in from XXXX, yet taxes on the property at XXXX XXXX XXXX XXXX TN XXXX. 

I've pulled all of my court records to learn that someone has created a Federal Identification number using my personal information. My history was being deleted / malipulated with. 

You never mailed me the transfer on XX/XX/XXXX. I just learned of these transferred in XXXX, after filing complaints to CFPB. On XX/XX/XXXX my loan was with XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX  sent me a copy of my XXXX XXXX XXXXXXXX. XXXX interest Statements also includes my home owners insurance with. XXXX and XXXX XXXX. 

When I filed bankruptcy in XXXX, I didn't realize that I was filling against XXXX XXXX XXXX XXXX. Until XXXX, when I pulled my bankruptcy court records.. 

XXXX XXXX XXXX XXXX doesn't seem to have been aware of XXXX XXXX XXXX. XXXX XXXX XXXX used the same loan number and three different Federal Identification numbers. I have print out on payment made to them in XXXX towards XXXX. 

I have copies of the claims filed with XXXX. XXXX, water damage, XXXX-my home was broken into, once I learned I was a victim of identity theft. XX/XX/XXXX. There was never any mention of XXXX XXXX XXXX XXXX. The policy number is XXXX. 

Someone name XXXX XXXX was listed on my property long before XXXX, when the property was forclosed on. The courts have a tax ID number on my resume as I've mentioned. If you need me to mail information, please give me a contract. It's as though you were mailing my information to XXXX XXXX XXXX XXXX, rather than to me.
Product: Checking or savings account

On XX/XX/2021, I ( the seller ) was selling a product. The buyer, interested in the product, wanted to complete the payment through XXXX Banking. This was my first time using XXXX Banking, in which I used it through the Wells Fargo Banking app, thinking it would be a safe choice. The total for the buyer came to {$1000.00}. On XX/XX/2021, the buyer said she processed this payment. I received an email minutes later from an imposter. I thought this email was valid and reliable as it was sent using XXXX 's email and had their logo. ( Refer to Attachment # 1 for the first email received ). This email stated that my account should be updated to a business account, but a minimum of {$2000.00} is required. The difference of {$970.00} was 'paid ' by the buyer, and I would refund that account. Once all payments have been made from both parties, both parties would receive their money. This fraudulent email forced me to take action. 
I stated to the buyer that I did not want to follow through with this, however, she said it was too late, she had already paid the {$970.00}, and we need to follow through. ( Refer to Attachment # 2 ). The next day, XX/XX/2021, I received an email from the fake XXXX email saying the buyer was charged {$970.00} XXXX times, and I would need to send it once more to refund her account. Once again, once all parties have paid, I would get my money refunded, and she would get hers. Therefore, the fraudulent email made me take action of paying {$970.00}, again. ( Refer to Attachment # 3 for the second email received ). 

In all, this means I lost a total of {$1900.00} toward fraudulent activity. 

I asked the 'buyer ' to please send back the money since it was a fraudulent attack. The buyer refused to comply with the request. 

After discovering this was fraudulent activity, I immediately contacted Wells Fargo and explained my situation. They filed each claim ( each payment as its own claim ), as told me it would be credited in XXXX to XXXX business days. The tenth business day came, and I have heard nothing from Wells Fargo. When I called the bank to ask the status of my claims, the banker answered they were closed out because " there was no banking error. '' Minutes later I contacted the claims department directly to get more answers. I later found out that Wells Fargo reached out to XXXX to let them know there was fraudulent activity using their banking and the receiving financial institution asking for the funds to be returned. I was told that if the 'buyer ' had already withdrawn the funds, there was nothing else that could be done, despite any type of consumer protection.
Product: Mortgage

On XX/XX/XXXX, I received a notice stating that my escrow account was charged {$2200.00} for hazard insurance. I did not authorize this and was unaware of any lapse in my homeowners insurance. I immediately phoned both my mortgage company, and then my insurance company to reinstate my insurance coverage. I was assured that I would be reimbursed any funds outside of the lapse from XX/XX/XXXX through XX/XX/XXXX. Since then, I have been back-and-forth through a secure messaging portal, email, usps and phone countless times resubmitting all proof of insurance. My mortgage company is simply exhausting me to no end, and taking no action. I finally received word on XX/XX/XXXX, that they have reimbursed the full amount to my escrow account on XX/XX/XXXX. However I see no evidence of this in my recent activity. Their recent escrow assessment has not reduced my mortgage payments. You see, this force placed insurance has caused a deficit in my escrow account. This has caused my mortgage to be increased by {$250.00} since XX/XX/XXXX to cover the deficit. So essentially, I am paying for this high cost hazard insurance twice. When in fact I have my own insurance which I purchased on XX/XX/XXXX as I originally stated. Please help me resolve this matter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file another Fair Credit Reporting Act violation against this credit bureau. I contacted this credit bureau and complained that they had re- aged a XXXX  XXXX XXXX credit report that was reporting on my credit report. They claimed they fixed it but once again they have re- aged the account saying that the XXXX  XXXX XXXX account is 1 year and 3 months and 14 days old and this is false. This is a clear case of re- aging a debt and this is a serious violation of the Fair Credit Reporting Act. This is the second time that this has been done and I am requesting that this account be deleted from my credit report immediately. If you fail to delete XXXX  XXXX XXXX from my account immediately then i take legal action against this credit bureau for violating my rights under the Fair Credit Reporting Act by re- aging the XXXX  XXXX XXXX account on my credit report twice. 
I have attached files showing that the XXXX XXXX XXXX account was re-aged twice by this credit bureau. I am submitting statements from the Equifax website which are date stamped at the top of the document showing that the account has been re-aged. I have uploaded a file called Equifax 3 which shows the date that this credit bureau claims that the last payment was made on this account and they are then saying that the age of the account is based on the day that the last payment was made on the account and this is illegal. I am also submitting other evidence to back my point
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account Name XXXX. Account # 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 This debt has been charged off, income IS NOT supposed to be reported on credit. This account is considered income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX PL XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

Goodyear cancelled my credit card I still have a {$110000.00} credit & my current balance that I owe is {$1000.00}. They never notified as to why they canceled my card I had to call. Then they said they mailed me a paper which I never got and they said it was due to returned payments there has been 2 returned payments XX/XX/XXXX for {$600.00} XXXX picked the wrong bank account and then on XX/XX/XXXX I made a {$1500.00} payment, I also made a payment of {$300.00} on XX/XX/XXXX, {$120.00} on XXXX, {$220.00} on XXXX, and {$40.00} on XX/XX/XXXX, {$50.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX and {$120.00} on XX/XX/XXXX my next payment is not due until XX/XX/XXXX. The other returned payment of {$40.00} is on XX/XX/XXXX and I cancelled several payments because I already had those scheduled and since I made over the minium of {$39.00} payments I cancelled the others because I paid way over the {$40.00} amount. I have had this credit card for over 4yrs never had issues until now why? It is not right for them to do this when I have been a good costumer and I will not pay the remaining balance if they are just going to cancel my card with no good reason in doing so for XXXX returned payments that were sent to the wrong bank account I have 2 Fairwinds accounts and got confused!
Product: Money transfer, virtual currency, or money service

$ XXXX taken from my checking acct for a house I was trying to rent in XXXX On XX/XX/XXXX, I was searching for houses. I went on XXXX because all the normal sites weren't getting back to me. I was in a very desperate situation, trying to get out of an abusive living situation with my son. I found someone looking to rent their house out as a private landlord. I scheduled a tour that afternoon around XXXX. I used a code to access the property. We agreed on an immediate move-in for the next day. 

Things got really weird once I sent the money, but at that point it was too late. My acct had already authorized the payment. I was vulnerable and the person took advantage of my situation. I went back and forth with them for a few days, but eventually just blocked them cause it was getting me nowhere and they were harassing me. I filed a report with XXXX and they were unable to recover the funds. 

The person said their name was XXXX XXXX XXXX XXXX XXXX XXXX on the lease ). I think he might have been using a voice app or something because at times it sounded like he had a heavy XXXX accent. They also had the following emails associated with them : XXXX XXXX XXXX The man said his wife 's name was XXXX XXXX, which is who the money ended up getting sent to. They then told me I would have to pay an extra {$500.00} to move in and even more money to receive a refund. Total scam. 

I also filed a report with XXXX XXXXXXXX  who the home is apparently owned by. I wanted to submit this in case there is a way you can help me recover the funds, or if you have other people who have reached out about the same issue. 

*This is all the information I provided in a police report to XXXX XXXX on XX/XX/22. They got back to me and said these scams are at an all time high and are unable to open a case for something like this. 

Person scammer posed as : Name XXXX, XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, CO XXXX, XXXX Home Phone XXXX Email XXXX I have gone back and forth with Zelle and XXXX with no resolution whatsoever. I was on the phone with Zelle while I was sending the money and they told me that I could call them the next day if it actually left my acct and they would help me. When I called back, they then told me I would have to go through my bank. My bank was no help... even though XXXX XXXX XXXX apparently owns part of Zelle. Seems like a good way to XXXX over consumers. 

$ XXXX is A LOT OF MONEY. Especially for a single mom living off one income. 

Please help me resolve this issue!!!!