23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Sometime after XX/XX/XXXX but before XX/XX/XXXX I paid my XXXX store credit card bill. Unfortunately for me my payment was applied to another account. I had paid the bill using my mother 's Bank of America bank account. I tried multiple times to resolve the situation, to no avail. I was repeatedly told that they ( the XXXX card company reps ) understood and would fix it, but nobody ever did. It was sent to collections and I again explained my situation. After many attempts to fix the situation I gave up. In hindsight this likely was n't a good idea but I was beyond frustrated. The account was opened in XX/XX/XXXX and closed due to non payment in XX/XX/XXXX. I received a call XX/XX/XXXX that I was being taken to court over this debt. I have negotiated with the law office handling the case against me to have until the end of XX/XX/XXXX to get the copy of the bank statement showing my payment. My mother closed the Ban of America account, perhaps in XX/XX/XXXX. I spoke with BoA customer service and was told they could look up closed accounts, but could only look back a few years by phone. I was instructed to go into a branch and they would be able to help me. When I spoke with a branch manager in person she told me they only hold on to records for 7 years. I fully explained my situation and she again said they only go back 7 years. I called customer service again and was told by one person they could go back further if I ordered them. I was then told by another person that no they could not go back further, they could only look back 7 years, I want to know if there is ANY way possible to obtain bank account records from this account ( my mother was with me in the branch and on the phone, since it is her account ) from before XX/XX/XXXX. If I can show the payment then I can prove I made it and not be held accountable. If I ca n't get the records from the bank I have no evidence to prove my payment and will either have to pay the original amount or have the court judgment go against me and owe hundreds more. I am so upset that I paid my bill and somehow am being punished. I really hope there is something that can be done to help prove my payment. 
Thank you!
Product: Debt collection

I recently lost my job right before XXXX last year. Since I have n't found a new one yet I have been unable to keep up on my credit cards or keep my cell phone turned on. Since Kay jewelers has been unable to get ahold of me, they have been calling every family member and my ex husband and his family and disclosing information about my debt! They told my grandma that she needed to get ahold of me on XXXX to contact me about paperwork I needed to finish filling out for my credit card!!! What on earth?! It 's embarrassing enough losing my job and not being able to pay anything after I had such good credit and now they 're just humiliating me while I 'm down. Now every single member of my family and my ex husbands family knows I have a Kay jewelers card that I 'm behind on.
Product: Credit card

History : I have a Credit Report between XXXX - XXXX over the course of more than 10 years. I have a Citibank, XXXX card which I have paid in full month-to-month. In XXXX I mistakenly sent about {$120.00} less payment than required to pay the balance in full. I was charged a fee of {$20.00}. I called Citi, understood my error and accepted the fee. 
The following month of XXXX, I received a statement for payment, with the balance due on XXXX XXXX of {$930.00}... presumably to pay the account in full without interest fee. On XXXX XXXX I paid {$950.00}, an excess payment of {$14.00}. One would presume I would then have a positive balance in my account of {$14.00}, but that is not the case. Rather I was charged interest of {$16.00} as CitiCard charges two full months of interest fees against a overage balance. BUT IT DOES NOT PUT THIS IN A STATEMENT. 
I accept this is in the credit card terms, but IT MUST BE REFLECTED IN THE STATEMENT. 
This is an incredibly deceptive practice that the credit card holder does not and can not visibly know the FULL amount owed. In addition, the direct line staff could not explain the reason for the additional interest, but rather blamed the miscommunication on me as somehow I could not " understand her XXXX accent. '' ( This is a bit of a non-sequitur -- sorry. ) The statement does not reflect the true fees and interest required to be paid to bring the account to full payment, line staff could not capably explain. 

Resolution : 1. Citi did agree to remove charges for both months as I do pay regularly. 
2. I have closed the account. 

But, the real issues remains... hiding of the fees in the statement that should reflect " FULL '' payment required to bring the account into balance. Less aggressive consumers could be charged another two month of fees for not paying the previous fees.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Goldman & Sachss has violated my rights.


15 USC 1681 section 602 states I have the right to privacy. Section 15 USC 1681 section 604A section 2 states : its also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for and purpose.
Product: Checking or savings account

My father and his XXXX children ( I am one of them ) needed to remove his name/cash in 4 CD 's. The process of cashing in these CD 's at  this location was long with no cooperation what so ever by the bank president or staff. The only alternative allowed us was to cash in CD 's outhside of the 10 day grace period therefore subject to penalties. These CD 's had been in this location for 28/29 years. The penalties charged were 3 % of face value on 3 CD 's with 12 month renewal and 1 % of face value on 1 CD with a 6 month renewal PLUS a {$25.00} per CD fee. The fees taken ranged from {$100.00} to {$670.00}. Also, the rate of interest receiving on these CD 's ranged from .08 % to .15 % which in our views should/is their current rate of interest since they were auto renews. Our calculations show that of the 28 years these CD 's were invested in this bank - their penalty fees took 19-20 years of interest away from the CD holders. This is outrageous. We currently worked with 4 banks and this bank was the only one that very obviously screwed its customers with their outrageous penalty fees and lack of customer service. Keeping in mind this bank was using these funds for 28/29 years at a much higher interest rate than .15 % and they now are taking away 20 years of interest income at a ridiculously low interest rate.
Product: Credit card

A hotel in XXXX owes us a refund for a double payment for a reservation. The hotel sent the refund to our account with Chase Bank XXXX XX/XX/XXXX. Chase Visa denied it from depositing in our account AND has not sent the money back to the XXXX hotel. The hotel and Chase Visa both say they don't have the money. It's a back and forth game with who is actually holding it. After so many phone calls, emails, getting hung up on, put on hold for hours I really need some help getting our money back. Here 's the timeline of the original purchase. 
XXXX Reserved and paid for hotel reservations at XXXX XXXXXXXX XXXX XXXX 
XXXX Made a XXXX night 's reservation at same said hotel. 
XXXX XXXX our credit card was lost > it was reported to Visa > card was cancelled and new card issued. 
XXXX We arrived at XXXX XXXXXXXX XXXX and they made us pay for the same 2 nights all over again since we did not have the original credit card we made the reservations with. They assured us we would be refunded within 2 weeks for the overpayment. 
XXXX I'm STILL fighting for our money back. No one wants to admit they have our money. I have contacted FDIC, XXXX Headquarters, Chase Bank, and now you. 
I'm exhausted after spending so many hours to try and get our {$320.00} back. 
I have so much documentation if you would like to see it all in hopes of us getting our money. Please help.
Product: Vehicle loan or lease

I AM A VICTIM OF IDENTITY THEFT AND THE ACCOUNTS LISTED ON MY C.F.P.B REPORT DOESN'T BELONG TO ME
Product: Debt collection

The company is reporting inaccurate and damaging information on my credit report. The company failed to give notice prior to reporting this item on my credit report. They also failed to validate the debt. They are reporting 23 times a charge off on one account. How can any single account be charged off 23 times? Then a negative mark reported after all 23 charge off remarks. This is erroneous reporting of information. A negative of ( 2 ) 120 days late back to back. There are only 30 days approx in a month. How can I be 120 days late each month for 2 months? The date opened, credit limit, responsibility, and payment status is reporting inaccurately. There is also missing information not being reported. This inaccurate data is damaging my credit score. This account needs to be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial has reported me 30 days late on my very first payment that was due to them aprox. 9 months ago. I purchased a new car from a dealership in XXXX Colorado, the salesman told me the first payment was not due for 60 days from the date of purchase. Ally financial failed to send me an Invoice of the upcoming payment due date or a payment statement booklet. I never received a statement and 60 days went by. I still had received not statement so I called them, the then sent me a statement that I Immediately paid. Months later I checked my credit report and they had reported me 30 days late which is a ding to my credit score.  My credit score is very important to me and I contacted them. I spoke with several people and they did not remove it and months have gone by. I spoke with a women named XXXX who started a case number with me ( ref # XXXX ) I told her what had happened and that the salesman told me 60 days before the first payment was due and since I did not receive a statement from them I had no way to know it was due after 30 days not the 60 days I had been told. I pointed out that I have never been late on a payment to them and could they please remove the late payment as a goodwill adjustment. I just received a letter saying that they will not. Can you please help me with this situation? I have no late marks on my credit report ( except this one from Ally Financial ). The only reason that the incorrect information from the car salesman did not get caught before it was 30 days late is because Ally Financial did not contact me to tell me the payment was due in 30 days from purchase not 60 days from purchase. They should have called me or sent me an Invoice promptly but they dragged there feet, and this is costing me valuable credit points on my FICO scores. PLEASE HELP!! XXXX XXXX : XXXX XXXX XXXX XXXX Co. XXXX
Product: Credit card or prepaid card

On XX/XX/2020 COMENITY BANK/ NEW YORK & COMPANY sent me a correspondence stating that I still owe a debt ignoring the cease and desist in which is in direct violation of 15 USC 1692c ( c ). COMENITY BANK continued to use obscene and profane language in which in the last company response they denied it. According to 15 USC 1692d ( 2 ) obscene and profane language is whats offensive to the consumer, this puts them in direct violation. On XX/XX/2020 I, the consumer XXXX XXXX sent Comenity bank a cease and desist, an Affidavit of Truth and an invoice. I also received statements of a consumer credit transactions in which involves a finance charge and is the sum of all charges according to 15 USC 1605. COMENITY BANK continued to report my information to the credit reporting agencies, again which is a violation without my written consent and not given the opportunity to opt out, according to 15 USC 6802 ( b ) ( 1 ) ( B ) COMENITY BANK are in direct violation. Without written consent is identity theft. I am the consumer and I have the right to refuse to pay this debt according to 15 USC 1692a ( 6 ). Reporting false information causes COMENITY BANK to be in direct violation of 15 usc 1681.
Product: Mortgage

During my closing on XX/XX/XXXX, Carrington Mortgage increased my closing amount from {$4100.00} to {$7400.00}. I signed a closing disclosure onXX/XX/XXXX outlining the terms of closing with me agreeing upon the smaller amount. While at the title company XXXX XXXX XXXX XXXX at their XXXX XXXX Location ( XXXX XXXX was the settlement agent ), we were waiting on the bank to send over the same final loan disclosure. To everyone 's surprise, the price has risen to a whopping {$7400.00}. This was significantly over the 3.5 % needed for an FHA and was clearly closer to the 10 % needed on a conventional loan. Essentially, I had a weekend to come up with the money or I would lose my ability to get the property and all of my money. My mortgage broker XXXX XXXX said he did n't know what was going on but that have the ability to change the final amount on the loan disclosure. <P/>On Page three of the document title " XXXX XXXX XXXX Property Title '', you will find attached the final closing disclosure that was sent to the title company on XX/XX/XXXX. On the document titled XXXX XXXX XXXX XXXX, which is the loan disclosure I signed on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Kohls asked for a settlement and stated that they would remove the debt from my account if I paid a certain amount ... when I called after paying they said there was nothing they could do ... They mislead me and started over the ages account which was over 5 years old
Product: Money transfer, virtual currency, or money service

My account with Coinbase was drained of all its money.I reached out to them several times but they keep stonewalling me.The first case number I opened with them was Case # XXXX which was not resolved and they decided to close it.The next case number I opened with them is Case # XXXX.Apart from acknowleging and giving it a case number nothing is being done.I cant reach them by phone.Only Email and they are not responding with a live person.
Product: Money transfer, virtual currency, or money service

Ok, I was taken advantage of by a person online. There were several payments made through paypal to this person under false pretenses. I brought this up to paypal about everything, but it was like they weren't even listening to what I was saying at all. I sent proof of the crime committed and they still didn't do anything to stop the criminal. The whole time I was making the complaint the other party was making requests to me to send more money. These requests had notes on them. Things like, your bank account will be cleaned out by the XXXX. You will be getting a SMS with a code I need you to send that code to me right away. This code was to access my paypal. These again were coming while I had an open chat with Paypal. Their website says they monitor every transaction XXXX. With the notes that were attached to these requests, I know that to be a lie. These notes got really vulgar and violent. 

Again Paypal has done nothing, they have not banned the other person 's account for fraud. They have not stopped the payments to the other party. All they have done is waste my time asking the same question which has no relation to my situation. Over and over, like I never have even spoken to them before. Each time, they even close the chat before the issue is resolved. 

To top it off Paypal profits from these scams by charging a fee, and at times when they close the scammers ' accounts. The funds go to PayPal, not the buyer they scammed. 

The png I provided is a screenshot of an email the other party sent on the same day I made the complaint. The other is a screenshot of a request the other party sent on the day I was making the complaint to Paypal, and the very moment the other party sent that was in chat with PayPal. Yet they still allowed the crime to take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

A charge is noted in my background check that did not happen to me. After reviewing the county court public records myself, I saw that another person with my same first and last name but differing middle name was charged with this crime. The case number and the date filed all matched the information in the report.
Product: Money transfer, virtual currency, or money service

I sent {$4000.00} to a family member using XXXX XXXX XXXX via Zelle. It was debited from my account, but, not received to the recipient. His bank XXXX, sent an email instantly when the transfer was completed stating that the funds could not be deposited. I have been bank and forth with the bank and XXXX  XXXX Customer Service, but not one has a solution and it seems like no one wants to return the money that is in the air right now or find a solution. 

Zelle customer service told me they cant do anything about it, because it was done through my bank 's mobile app. My bank has told me that the issue is not on their end, that the money was sent and indeed it has been debited from my account. XXXX ( recipient 's bank ) stated that the money was never received from Zelle therefore they can not provide any support. My family member is registered with Zelle, phone number appears valid on the app, his name appears as well, it is not a registration issue. 

I have called everyday since XX/XX/XXXX. The transfer was initiated on XX/XX/XXXX @ XXXX XXXX  and immediately the recipient received and email at XXXX XXXX  that the funds could not be deposited or completed. It seems there is an issue with Zelle, but they have not responded, it is not the first time this has happened to other users. The money is in the air, taken from my account, but not deposited to the recipient. If they can not complete the deposit it should be returned to me, not be kept by them. Every time I speak to a Truist supervisor they state that the Zelle system shows that it should be deposited within XXXX business day, and XXXX hours pass and the system says another business day and so on. Days will keep on passing and the system will just update another XXXX hours and the issue will never be resolved. 

My bank has opened up a fraud claim, but it is not fraud, most likely it will come back as denied. Zelle does not provide any assistance to my bank either, there is no Zelle department or specialized agents in that matter. 

The bank XXXX states that they have no history of funds being sent to them, therefore nothing can be done on their end. 

I submitted an online form complaint to Zelle as well and no response either. 

If I can please receive assistance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX XXXXAccount no. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

Timeline Format ; XX/XX/XXXX Applied For PPP loan through XXXX  XXXX XXXX XX/XX/XXXX Approved by SBA and Lender Benworth Capital LLC XXXXXX/XX/XXXX Benworth Capital LLC attempts to make deposit to my XXXX  Account but is rejected by bank due to Check being addressed incorrectly. 

XX/XX/XXXX Call Benworth and receive answer ( agent states I must call womply ) XX/XX/XXXX attempt call to womply but phone no longer in service XX/XX/XXXX Email womply at email address provided by website for help. 
XX/XX/XXXX receive automated no reply email stating the only form of communication womply is accepting is by submitting support ticket. 
XX/XX/XXXX submit support ticket on womply website XX/XX/XXXX update my bank information on womply using plaid instant verification process XX/XX/XXXX receive automated no reply email stating that I hope I am enjoying my funds. 
XX/XX/XXXX I submit second ticket XX/XX/XXXX I attempt call to Benworth phone line is shut off with no service XX/XX/XXXX send email to Benworth XXXX go on vacation in XXXX XXXX attempt XXXX make contact at Benworth Capital LLC office in XXXX Florida during my vacation ( my hotel was 15 mins from Benworth office so I figured why not while I was there ) No answer and office door locked. 
Attempt multiple calls to lender office XXXX call SBA but SBA states can not assist XXXX file complaint with sbaOIG XXXX send numerous emails to both womply support to multiple email address that have been provided or used by automated response emails. 
I call each no response due to any response I receive is a generic automated response that doesn't specifically answer my email but gives general information on the application process and FAQs. 
XXXX also during this time I made numerous well over 100 call attempts to Benworth Capital LLC none of which received anything more than an odd busy tone. 
XX/XX/XXXX received email stating my funding failed to update my bank information. ( 1 month after deposit was returned ) XX/XX/XXXX update my bank information again XXXX send multiple emails and attempt multiple calls to XXXX. 
XX/XX/XXXX confirm new bank information and begin awaiting a second deposit attempt. 

Fast forward to today still waiting for my PPP loan. That was supposed to be deposited back on XX/XX/XXXX. Since my funding failed in XXXX I've received no communication from Benworth. I've attempted in every way possible to make contact however to this day I have yet to receive any response. Benworth the reported the loan as disbursed to the SBA and the only reasoning I can think is to fraudulently obtain the PPP distribution fee lenders receive. There is really so much more to this story and what I have told you here is only the basics I have have done extensive research on the company and it's operation and as to the dilemma with my PPP loan however it's too much to list. I wanted to get the basics out to get this started and then would be happy to provide the full details as there really so much more I've went through attempting to correct this situation. It's gone beyond the measure of just bad customer service to the point I question it's legality.