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

XX/XX/XXXX, {$1000.00}, I uploaded my ID card as instructed yet nothing was done to withdraw my money
Product: Credit reporting or other personal consumer reports

Experian has been over reporting the balance on my XXXX XXXX credit card for the past XXXX months. They are reporting a balance of {$1400.00} when my balance has been below {$100.00} for months. 

This is having a seriously detrimental effect on my credit rating. 

I need this corrected IMMEDIATELY. XXXX XXXX and XXXX both report this amount correctly. Experian 's incompetence and laziness once again distinguish them from motley crew of parasites.
Product: Credit card

Attached is all of the documentation. Information was sent on XXXX  and there has been no response from Bank of America. Tried looking it up on the website and there has been no change. I'm not disputing that I purchased items from XXXX XXXX that were shipped out of the country. I'm disputing the Bank of America accepted the payments made and then two month later said the payments were not good. It's being resent because Bank of America is ignoring the last group of information sent.
Product: Money transfer, virtual currency, or money service

USAA allowed XXXX XXXX XXXX to take money intended for me as explained herein. As detailed by the CPA, CFE ( certified fraud investigator ) in an affidavit attached, this is absolutely FRAUD ; USAA has chosen to be complicit in enabling XXXX to commit this crime completely unscathed. He and I owned the home at XXXX XXXX XXXX XXXX XXXX XXXX  together at the time of its inexplicable destruction in XX/XX/XXXX and until XX/XX/XXXX. ( Inexplicable because it never had a criminal investigation though USAA allowed the dishonest report in its file stating that a 'police report was done ' or words to that effect ; USAA is aware that a report was never done ). Please note that my former name was XXXX XXXX XXXX ( dob XXXX ). Within minutes of the fire, XXXX began taking monies on my behalf and USAA allowed them to do so, repeatedly. They would not report this to facilitate a criminal investigation, though clearly, I was a LEGAL OWNER of the property at the time of its destruction and clearly the payments were intended to go to XXXX AND ME as shown below : On page XX/XX/XXXX, conversation # XXXX on Sunday, XX/XX/XXXX, at XXXX XXXX ( less than one hour after the uninvestigated fire ), XXXX XXXX stated his USAA CLASSIC CHECKING account that ends in XXXX, belonging to him ( and not me ) XXXX as the receiving account for the EFTs. 
Conversation # XXXX on page XX/XX/XXXX shows XXXX payment to XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX FOR {$5000.00}. 
Conversation # XXXX on page XX/XX/XXXX shows XXXX payment to XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX for {$10000.00}. 
Conversation # XXXX on page XX/XX/XXXX shows XXXX payment to XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX for {$120000.00}. 
Collectively, this represents {$130000.00} in electronic funds THEFT that was addressed to and intended for me. 
There is also evidence that XXXX received the check for {$360000.00} also intended for the two of us, which he attempted to cash on my behalf. I only became aware of this via the results of this family court subpoena.
Product: Debt collection

This collection agency held an unpaid account in my name from a medical bill in NY that did not belong to me, in the amount of {$740.00}. After multiple unsuccessful attempts to remove the listing from my report I made arrangements with this agency to pay the entire amount of the collection account in return for removal. They told me that it might take up to 90 days for removal, which I agreed to. After 90 days the listing remained on my XXXX report so I called XXXX  and asked them to submit a dispute to Overton Russell Doerr and Donovan in regard to the agreement to remove. Within a week I was notified by XXXX that Overton Russell Doerr and Donovan is  refusing to remove the listing. I would not have paid the account if not for the guarantee of removal. This listing is causing undue harm to my consumer credit report. Further, the original debt dates back to XX/XX/XXXX and is outside of the time staute of reporting. I need for this collection agency to remove the listing as agreed to over the phone in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY IDENTITY AND APPLIED FOR THESE ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Checking or savings account

I transferred funds from my personal checking to another personal checking on XX/XX/19. This caused my account to become a {$0.00} balance ( not negative ). On my XX/XX/2019 statement, First Citizens stated that I had 30 days to make a deposit to my account or it would be closed. OnXX/XX/19, I transferred {$50.00} from my personal checking to the checking account I transferred from onXX/XX/19. On XX/XX/19, First Citizens closed my account anyways. I contacted customer service first through the phone and they told me which branch closed my account and told me that I would have to speak with the branch. I went to the XXXX Branch because it was closer to my home and spoke with associate XXXX. She stated that my personal checking account was closed because I had not made a deposit since XX/XX/19, I told her that was not true and mention the transfer that I did. She searched for the transaction and stated that she did not find where I had made a transfer. I pulled up my bank statement and showed her where the transfer was perform onXX/XX/19 and she stated that I would need to speak with Mobile Banking to find out where my transferred funds were because the system does not have record of a transfer, which is probably why my account was closed for failure to make a deposit. She printed my statement and gave me the number to Mobile Banking. I called mobile bank and they initially could not find my transferred funds, but after an hour on hold and going back and forth, they found my transferred funds and stated that it would be put back onXX/XX/19, into the account I originally transferred from. I asked the mobile banking rep, why was my account closed when on my statement it says I had 30 days to make a deposit. He stated that 30 days started when I made the transfer on XX/XX/19, I asked him to email me the disclosure or account agreement that stated this, and he stated that it was on the bottom of my statement, I viewed the print off of the statement from the branch, and it does not specify from the transfer date or statement date, but I assumed that since it was on the bottom of theXX/XX/19 statement, that I had 30 days from that statement date.
Product: Debt collection

My first letter was sent XX/XX/year>. 

Despite providing Transworld Systems Inc. with over 90 days to fulfill my requests for proper debt validation, I have yet to receive the following essential documents : Verification of the amount of the debt, including a detailed breakdown of all charges and fees. 
A complete payment history, detailing all payments made and any credits applied to the account. 
A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. 

Instead, I have repeatedly received the same bill statement, which does not address the required details. This is insufficient and does not fulfill your obligations under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit card or prepaid card

Comenity Bank is the credit card servicing bank for BJs MasterCard. In my invoice for XX/XX/XXXX, I noted a late fee of {$41.00} added to the amount due. I submitted payment on or before XX/XX/XXXX with an expectation that the payment amount would be processed in advance of the stated due date of XX/XX/XXXX. I contacted Comenity Bank using their online Customer Service portal ( see copies of communications attached ) who indicated that they would remove the late fee. I made an additional payment of {$170.00} on XX/XX/XXXX with the expectation that this would certainly be processed well in advance of the stated due date of XX/XX/XXXX. Unfortunately, my XXXX XXXX showed a late fee debit of another {$40.00} and no indication of the receipt of the amount submitted for payment submitted on December 29, 18 days before the due date! I have submitted a payment in the amount of {$200.00} via my personal bank XXXX XXXX Bank ) online BillPay dated XX/XX/XXXX with the expectation that this payment will be processed at Comenity Bank as of or prior to the stated due date of XX/XX/XXXX. I am not hopeful that this payment will be acknowledged by Comenity by that date. 
It is my belief based this history of their refusal to acknowledge receipt of amounts tendered via the XXXX XXXX  XXXX online banking application in a timely manner, Comenity Bank is engaged in a fraudulent banking practice, intended to obtain significant financial profiteering via the manipulation of the electronic banking system and deliberately and intentionally denying receipt of funds tendered in a timely manner. In todays current use of electronic money transfers between and among banks and banking institutions, it is unconscionable that Comenity is allowed to engage in such fraudulent actions which in effect amount to theft. I can only XXXX the total amount of funds obtained through this practice on a nationwide scale, even if limited to BJs customer Mastercard accounts. 
Please feel welcome to contact me should you require any additional information. 
XXXX : I note that the XXXX bill from BJs includes a note indicating that as of XX/XX/XXXX, the BJ Perks Mastercard program will change from Comenity Bank to XXXX XXXX. I wonder why this change was determined to be necessary by BJs.
Product: Mortgage

I no longer have access to transaction details on my account nor am I able to see the escrow balance. I was told that it was due to me being in an active bankruptcy. 

My mortgage payments are up to date and bankruptcy should have no bearing on my ability to see what is going on with my account. There have been numerous occasions where my payments were not applied appropriately. I am currently waiting on money to be moved to my escrow account that was paid to M & T on XX/XX/2019 ( {$1200.00} was for my mortgage payment and {$2100.00} was for my escrow account ). I have called 3 times to get this taken care of. The amount of {$2100.00} was a refund from a previous home owners insurance company. I was able to catch this because for several months I had access to online detailed account information. The money was placed in a suspense account when I clearly specified online where the money should go ( there are fields for principal, late fees, escrow, etc. that allow you to enter the dollar amount to apply ).

My escrow account is currently negative because of this. This also affects my monthly payment when the time comes for the escrow analysis. With a negative balance, my mortgage payments will definitely increase.

Trying to call in to make a payment is a joke. It may take 2 days just to reach someone. It appears that because I filed bankruptcy, M & T wants to make it harder so that I get behind, when I was never behind to begin with. My reason for filing bankruptcy had nothing to do with my mortgage or inability to pay.

Not being able to see detailed account information at any time is a problem. I should not have to wait 30 days for a statement in order to catch any errors they may have made. If my payments were applied appropriately each month I would not be as concerned, but, they have.
Product: Checking or savings account

Deposit cash in capital one atm but machine was freezing, ate cash without reflecting correct credit on account
Product: Debt collection

I was contacted by a rep claiming I owe debt to a   Payday loan   company. Which I do not owe and have asked repeatedly for them to send me verification of original debt, they refused and told me to pay by credit or debit card. If I refuse they will have police arrest me.   A rep by the name of  XXXX   XXXX ,  XXXX ,  XXXX  and  XXXX   XXXX  have repeatly called my job with threats and cursing me when I refuse to give them my card info. My employer is threaten to relieve me due to constant calling from this company. I asked for address, and representative number and they refused.  XXXX   XXXX  stated I was stupid because I would not allow him to get my financial information. The collection practices of this company are far from practices of a legit collection company. I ask that something be done to alleviate this harassment and have this scam company be held accountable. Last contact was on  XXXX   XXXX  and I was contacted on my job 8 times with threat after threat by different reps and giving me different company names and amounts owed.
Product: Debt collection

I tried to get them to work with me during an unexpected financial hardship. I explained to them the current situation and when it would be resolved by. I also have been making payments even though the company refuses to extend the term of the contract out and make the payments more manageable for me. I also told them I would call them in a few days and let them know if I would be able to make an extra payment. Even though I am doing everything I possibly can to make payments, I was told that my account would be charged off on XXXX XXXX. And my phone rings off the hook every hour non-stop, every day of the week. I could understand if I was n't paying or communicating with you. But I am doing XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a letter asking the credit agency to investigate the bankrupt that is reporting on my credit file, which they can back as the information is accurate and so I reach out to the credit furnisher and they sent me a letter back. and Experian would do anything about the wrong information.
Product: Credit card

XX/XX/XXXX I WAS APPROVED FOR A UNITED COMMUNITY BANK ( XXXX XXXX CREDIT CARD FOR XXXX INTEREST TO TRANSFER A BALANCE. 
I HAD XXXX TRANSFERRED. 
RIGHT AWAY I PAID DOWN THE BALANCE TO XXXX AND WHEN THEY REPORTED XX/XX/XXXX IT WAS THE SAME XXXX THEN WHEN I DISUPUTED IT WITH XXXX CREDIT BUREAU. XXXX XXXX AT XXXX TOLD ME ON XX/XX/XXXX XXXX SAID IT WAS CORRECT. 
THEY DON'T EVEN TAKE THE TIME TO VERIFY CORRECT INFO OR WANT THE BALANCE TO REMAIN HIGHER FOR GREATER FEE OPPORTUNITY. 

PLEASE HAVE THEM REPORT CORRECTLY. THANKS. 
ITS BEEN OVER 3 MONTHS, IT NEEDS TO BE UPDATED MONTHLY. 
I WILL BE WATCHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never pay late, and they show a late payment on 30 days in XXXX in XX/XX/2022, in Equifax in XX/XX/2022, in XXXX in XX/XX/2022. I have the evidence I send it. And the sell and closed the account is a violation to report late payment in a closed account.
Product: Credit card or prepaid card

It has recently come to my attention that some CC companies, most notably Bank of America and XXXX, are tracking legal firearms related purchases by their customers with the intent of denying the use of credit cards issued by them ( banks ) for such purchases. As an avid hunter, shooter and responsible citizen of the USA I find this Appalling. I am one of the tax paying citizens that bailed them out of their financial irresponsibilitys not that long ago. I believe this type of discrimination is illegal and is a direct violation of the US constitution. I will be asking the US Attorneys office to look into the matter. Also, I have credit cards issued by both of these banks and will be cancelling them immediately. Thank You XXXX XXXX XXXX
Product: Vehicle loan or lease

Purchased a XXXX  XXXX XXXX XXXX from modern. XXXX XXXX and credit acceptance corporation was the bank that approved the loan the vehicle was financed for a total of {$10000.00} double what it was selling for in addition credit acceptance tacked on a warranty that I pay for tacked for n to the loan I was never told about or agreed to and was not told of the final total of the car loan I felt misrepresented in the whole ordeal I feel like I paid way more than double value of this vehicle and signed of false and hidden fees I feel car should have been paid in full. I still owe {$5000.00} on this loan. That I'm stuck with.
Product: Credit reporting or other personal consumer reports

recently reviewed consumer report, there are several unauthorized accounts, inquiries, and late payments listed. As a reference, please see the below accounts, inquiries and late payments : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Payment XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Payment XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Charged-off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Collection XXXX XXXX Inquiry XXXX XXXX InquiryXXXX XXXX  XX/XX/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: Mortgage

I have an interest only loan that will begin to include principal in XXXX. I have applied with the bank servicer XXXX to modify my loan, and have been denied many times. Last time they denied me was because " the owner of my loan requires me to be delinquent before they can look into it ''. So I have asked XXXX, several times over the past year, and finally they have answered that Deutsche Bank National owns the loan. I contacted DBN and they then told me that they are not the owner, that they simply act as trustee and can not make decisions about the loan. I 've asked them then who makes those decisions, and I have not heard back. I do not know what I am supposed to do to keep my house. All other governmental sources have also denied me and the banks XXXX nor DBN are willing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2020. The local XXXX dealership requested 3 independent hard pull credit reports under 3 separate corporate names 1 ) XXXX XXXX  XXXX XXXX 2 ) XXXX ( parent company ) 3 ) BMW Financial Services in a 24 hour timeframe. These requests caused my credit score to significantly decrease. ( Almost 50points decrease ). BMW Financial Stated dealership should not have requested hard pull credit reports. I would like my information corrected and credit score restored
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  is reporting a charge off with acct ending in XXXX but still showing a balance that still owed of {$450.00} currently. Requesting a 1099-C that I was received or was never provided with for the charged off acct. Per XXXX the charge off was reported on XX/XX/year> and per XXXX it was reported on XX/XX/year>. More inaccuracies with reporting. Furthermore, with a charge off the company writes it off as a profit loss on their taxes and by law should be providing the consumer with a 1099-C but again I never received one. This is inaccurate reporting on my credit report and can be pursued further.
Product: Debt collection

The collection agency, LVNV Funding LLC, violated my consumer rights of privacy stated in 15 USC 1681 section 602. The collection agency also violated my consumer rights by publishing information on my credit report without consent and written instructions according to 15 USC 1681 section 604 ( a ) section ( 2 ). The collection agency also violated my rights by using misleading information that violates consumer law published in 15 USC 1666 ( b ), stating that a creditor can not treat a open ended credit card account plan as late for any purpose.
Product: Credit card or prepaid card

XX/XX/22 my credit cards were stolen from my vehicle. Police report made. All credit cards contacted immediately advising of the stolen cards to cancel them. There is one fraud charge still on my Barclays XXXX XXXX XXXX. I have made over a dozen calls to them to fix this. All they do is send me a new card. There is still {$28.00} fraudulent charge from XXXX gas station on my account, they are now charging me interest and late fees. Every time I call I get the run around and then they disconnect my call. I am desperate for help at this point.
Product: Checking or savings account

Suntrust has used fraudulent and non-transparent 'posting dates ' to steal from me. They will remove money from the account, then return it, only to take the money back once the given charge would drop my balance below zero. This is clear theft by deception and fraud. Additionally, I have directed Suntrust to DENY any transfer that would lead to insufficient funds, yet they still chose to defraud me by ignoring this directive. Suntrust has committed theft by deception.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX charged account off and is still reporting account as late and passed due which is an FCRA violation. They wrote debt off for tax purposes without providing proper documentation to me. When an account is charged off it must not report a PAST DUE amount nor report monthly as CO which they are currently doing. Ive submitted numerous investigations to the bureaus and notified the company of their violations. 

This account couldnt been verified or investigated properly because its not even being reported correctly. Another federal violation.
Product: Debt collection

This is the second complaint I have filed with no resolution. I have tried reaching out to the compnay many times, and the few times I have spoken with them they have said the problem was resolved. I have logged into my mortgage portal and this is not the case. My mortgage is off, they are making partial payments on my behalf, and have not issued a refund of escrow shortages that was done on the XXXX. My credit is being affected and there has been no resolution. I need help with this ASAP. The attachment shows they are giving me late fees that are and should not be impossed, also you clearly see the credit was issued by the last carrier of the loan. What the XXXX is going on here