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

Deposited a check from XXXX XXXX on XXXX at XXXX in the amount over {$2500.00} to my Wells Fargo I used the ATM to make the deposit since the bank line was long and I 've been told I get quicker access to funds. 
The receipt advised funds would be available XXXX. 
The funds show posted to my account but the amount is not available as of today at XXXX. 
I talked to a claims adjuster for XXXX, who said the funds cleared his bank XXXX. 
Wells Fargo is saying they got a code from the FED that an item was returned earlier by Progressives bank and accordingly they have an extended hold on my funds that expires XXXX. I have spoken with Wells Fargo twice at their XXXX number and was told 1st that the funds were not available til XXXX. on the 2nd call I was told the funds were not available unitl XXXX and the expiration on the hold was XXXX. I spoke with a supervisor who said nothing could be done. Attached is a copy of the receipt from Wells Fargo when I made the deposit. I 'm stuck between XXXX who says the funds have cleared and Wells Fargo who seems to be holding the funds for no reason related to me, under the guise of " Protecting me from a fraudulent check ''. 
Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX  days and I have not received a repsonse. I did my research and I am for sure that they have XXXX  days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit card or prepaid card

XX/XX/2020 downtown branch in XXXX Alabama open a new checking account, and apply for the bank security bank card. Received copies without my signature. Call Wednesday stated XXXX XXXX she had me sign in the wrong place too come back in. And the underweight had sent the application back. Came in Friday asked them too close the account and put the money in my checking account. The person I spoke with XXXX XXXX and Nd XXXX about closing the account. They stated it would take 14 days sometime 24 hour. Called Tuesday spoke with several people over the phone and finally sent to the credit card department and the man stated he would close the account and in two day my money would be in my checking account. Called Friday the XXXX they stated they were process the application and I would be getting a letter in the mail. Today the XXXX I was told they could hold the money for XXXX and that was never stated. If I did not sign in the right place going forward how did they process the application without the proper signature. And continue to hold my money. The process was never stated how long it would take the application process. And if I cancelled before receiving a card their should not be a hold on the monies in the saving account. I paid XXXX dollar interest when the account was open. Now refund my money and interest for the time I couldn't use my money. They design a plan suppose too help yet they abuse and cause hardship with untrained staff not know the detail of how something works.
Product: Credit card or prepaid card

I used the Plan It feature. For three of the purchases, with XXXX, XXXX XXXX, and XXXX PA, the merchants fully refunded the charges. However, American Express has been unwilling to cancel the three plans and refund me all of the monthly service charges I have been assessed. I have been told three times by American Express that this has been resolvedthe last time from XXXX, a Plan It supervisor, who left me a message on XX/XX/2019. But the plans have not been cancelled and the fees have not been refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called and cancelled my card on XX/XX/2019, I was informed of what the pay off balance would be and I paid it during that time. I was unhappy with the service Citi provided with how they handled, or not handled my fraudulent charges that occurred due to a data breach. I decided to cancel & pay off the balance to end my services with them. I called again on XX/XX/XXXX to follow up and make sure that they had updated their records since the withdraw of {$1000.00} was withdrawn from my bank account on XX/XX/2019. I was assured that they received the amount and that there was a credit of {$.00} on my account that covered a total of {$1000.00} balance. I saw that this popped up on my credit report with notes saying bad debt and that it was closed by the card company which is not true at all. I have provided my bank statement and a letter from them after their investigation to show that they were paid in full and closed on my behalf. It is absurd that I have to keep updating something that was taken care of almost a year ago. I had recently started getting harassing calls again about this paid balance. 

I have a letter from Citi saying that the account is closed with a XXXX balance and that I paid the amount owed, my bank statement shows this as well. I submitted multiple times to Citi and they keep saying the same thing. It has yet to be removed from my XXXX  report.
Product: Credit reporting or other personal consumer reports

I tried to dispute a social security number that is listed under my personal information on Experian because the last 4 digits shown do not match the last 4 digits of my social. Immediately came back as " Unable to process dispute : ssn matches inquiry ''
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It Concerns : I received a credit alert today ( again XXXX from GM Financial stating that my account is 120 past due, which is incorrect and being erroneously reported to the 3 credit bureaus. I received a phone call from GM Financial the month of XXXX asking for a payment that I did make and to no avail, GM still reported to the bureaus, I was delinquent 120 past due on the XXXX of XXXX. On the XXXX of XXXX, GM Financial reported that the account was a charge off. Today, on XXXX XXXX GM Financial reported that I am 120 days past due. GM received payment from me, $ XXXX  from my insurance ( as the vehicle was totaled in an accident ) ; as well as, GM received money from my warranty YET they are still reporting twice a month which is against FDCPA rules. I have attached a copy of this information to this report. In addition, I was told over the phone by the representative that the account would not be closed if I made a payment, yet as you can see on this credit alert I have attached, after GM Financial took the payment- they turned around and reported the account CLOSED-CHARGE OFF. Now, they are still sending late notifications to the credit bureau??? I am going to sue GM FINANCIAL pursuant to misrepresenting the amount of the debt ; ( 2 ) repeatedly calling me to annoy me into making a payment and reporting this erroneous information after received payments are collected and the company is still reporting false information to the credit bureaus. I receive calls from GM first thing in the mornings, all day, evenings and EVEN on the weekends- Sunday 's for XXXX Sake! They have threatened me saying if I do not make a payment, the loan would be charged off-yet I made a payment and as you can see from the attachments they reported it 'charged off '' after they received a payment in XXXX!!! Additionally, I keep having to block their calls because they are constant. Each time I block them, they call from a different number and the viscous cycle starts all over again!!!! Notwithstanding they have collected monies from my warranty and were supposed to notify me of the amount, they have not and are misrepresenting the amount of the debt! 
GM has continuously reported to all the bureaus false information more than once every month for several months. If I am correct, this is a violation as well, they will send false information one day and then turn around and report something different the next. Please see attached proof and pay special attention to the dates GM is reporting!!!!
Product: Debt collection

XXXX XXXX has added a collection item to my credit for years which h I have tried to remove. However Transunion has been irresponsible not following what the law requires to validate debt and has indiscriminately added a wrongful collection to my credit file which is a violation of NY law and Federal law.
Product: Debt collection

In XX/XX/2014I moved out of an apartment complex. Provided the complex with ample time/notification per my contract. [ 30days ] The property manager at the time was well aware that I  would not be renewing my lease. I was relocating from the state for another opportunity. While, living in this complex I filled chapter XXXX bankruptcy which did not affect me paying rent on time. I say this to say I never checked my credit report from XX/XX/2014until now because I didnt have credit due to beinc in chapter XXXX. 5yrs later I I findout there was a debt sold to a collection agency for the apartment complex I lived in. They stated the debt is owed because I didnt give them enough notice that I was not renewing my lease. They also charged cleaning fees. When I left the apartment was clean and I have photos to prove this. There are charges for subletting the apartment and also a charge for a prorated rent. In total the debt equaled {$1500.00}. Now with the agency involved that purchased the debt the total is {$2200.00}. I have tried to resolve this issue with the agency. They wont provide amy documentation on this debt and informed they dont have to. My issue is they can't possibly have any documentation to prove this is an owed debt. Did I live in the XXXX XXXX ..Yes! Did I give them written and verbal notice I was not renewing my lease ... Yes!  To me this is a word vs. Word issue where the consumer is getting the short end of the stick. This is now on my credit report and negatively affecting my score and credit history. I need help! This debt is not justifiable nor is it fair. There has to be a way to stop this type of predator behavior by companies against consumers.
Product: Credit reporting or other personal consumer reports

I Recently learned from checking my credit report I have Thert and fraudulent credit card accounts under my name has been going on for awhile I just now was able to check my credit report and discovered XX/XX/XXXX Hard Inquiry From JPMCB CARD which stands for JPMorgan Chase company and another from JPMCB CARD hard inquiry on XXXX. I have reached out and was requesting information about this account under my name a they denied and said I do not have an account with them.
Product: Checking or savings account

My checking and savings account are currently suspended for a second time. I have called multiple times and I am never given any answers. I am only told that someone will contact me by email. No one can tell me why my account has been suspended or what steps would need to be taken to have access to my account again. When I ask why it happened the first time, I am told that the lift of suspension was a mistake and no one can tell me why it happened. I don't have access to any of my money to pay my bills and this company has stolen my money.
Product: Debt collection

On XXXX XXXX, I received my annual credit report. In detailed a listed an account from Amsher Collection SE. It states they are trying to collect a debt from XXXX XXXX. I have called and written letters asking that this debt either be validated and/or verified. Amsher Collection has not responded via written or verbal. Since they have not responded within the 180 days allotted, I am asking that they remove this information from all reporting credit bureau ( s ). They have no information listed except that this information was brought by a third party in XXXX.
Product: Credit card or prepaid card

I have been hit by XXXX hardships. I have managed to maintain my payments. I got a minor " covid relief '' payment reduction breifly in XXXX  from them. I then entered a credit payment program with XXXX XXXX XXXX for other cards I had. I tried to enroll this account as well and was denied. They stated that I couldn't enroll in another program because I had already received help from them, which had already ended. I was told I had to wait 1 year from the time that their relief program ended to enroll in another program. Over a year had passed and someone at the company told me it had been over a year and I should try again. I tried again and was denied. I also tried to have my XXXX lowered and was denied. When I spoke to a supervisor about it they told me I still couldn't enroll the account in my debt program with my XXXX XXXX XXXX program because of the very short, and limited help I received from them for " covid relief '' and that they couldn't tell me when the account would be eligible again. All I am trying to do is pay them back. I have no job and haven't worked for over 3 years. I was on unemployment and then XXXX. Now I have no income at all. I need help and they are taking advantage of me using a loophole to deny me the help I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute multiple times with over the course of a few years about credit errors on my credit report.. I have reached out to the companies that have been reporting and I have notified the credit bureaus that the errors exist and every time I dispute them the end result is that it meets requirements. I have notified XXXX XXXX that the wrong debt collector is reporting on a collection account. I have tried to dispute it and twice it has come back that meets requirements. XXXX XXXX Is reporting on a XXXX account that has been bought by another agency and this has been disputed and and the credit bureaus will not remove it. I have reported that an apartment community its charging me incorrect balances over the past four years on both XXXX  and XXXX. At one point I had double entries for the same collection account. And they will no longer allow me to dispute it online which I dont think its fair when it is in accurate. I have a payment agreement with XXXX XXXX  which is showing the incorrect balance based on the payment agreement is still showing my total balance and its not showing my current payment history or balance with them. XXXX XXXX  which is been reported by XXXX XXXX XXXX has been informed that XXXX XXXX has fraudulently attempted to collect A substantial amount outside of what i owe to them and I cant get this corrected.. I had a lease fraudulently signed in my name and have been charged a termination fee because I was not living there during that time and cant get that off of my credit report.. I have been denied a job with the Department of Justice, denied a security clearance multiple times and most recently denied housing because of these errors. For someone whos trying to correct their finances I dont think that its fair that I can not reach out to these individual entities and get this corrected myself without having to pay someone they are taking advantage of the consumers ignorance towards the fair credit act and reporting.. I also do not believe that if an entity doesnt report my payment history at all or even good payment history ( ex : cable, cell phones, colleges, utility companies, insurance, rental payments, etc etc ) and when it is good they should not be allowed to report when consumer has financial difficulty and is unable to pay. It is a predatory practice and it is not fair to the consumer.
Product: Checking or savings account

In XXXX I started to get unemployment. Well in XXXX bank of America froze my account which was unemployment money. Made a different excuse every day why they did and for what reason. Refused to give me my money from my account. The amount was about XXXX. Still to this day have not got my money. Or any response from them. They froze frederal money during covid and wasn't suppose to. Wrongfully used and took my money. Made excuse to close my account when they had no reason. I want to sue for, no less than XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I filed a complaint concerning the inaccurate information on my credit reports Experian and the other two main agencies all have different inaccurate information Addresses, Social security number, phone numbers auto loans credit cards information that is false and it's hindering me from getting a job, or credit, or housing and I can't apply for a auto loan to get a vehicle.due too the data breach issues with Experian twice now I am suffering from identity theft and I placed a freeze on my account s both someone was still opening accounts using my information. I seek a remedy from all the credit reporting agencies to remove the inaccurate Information from my name and social security number and to provide the details of everything on my reports that have been investigated and are in compliance with Rights.
Product: Consumer Loan

Unable to pay original loan due to unemployment and medical expenses. Debt was sold to Midland Credit Management who added unspecified fees, effectively increasing amount " owed '' by 140 %. MCM tried suing, but rescinded suit when defendant requested records detailing ownership of debt and additional fees. MCM refuses to remove debt from credit reporting agencies, despite the debt being older than 7 years ( they have reported the date they acquired debt as the debt origination date, not the date the debt became delinquent ).
Product: Debt collection

Im a victim of identity theft someone got my information and opened up accounts in my name
Product: Credit reporting or other personal consumer reports

My account with this company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting the inaccurate day of last payment on my credit report. I dispute last day of payment on my credit report. I feel like XXXX  XXXX XXXX is trying to take advantage of me because I am a XXXX male. I am requesting this account be deleted off my credit report.
Product: Prepaid card

On XX/XX/2023 my bank account was hacked for a pending transaction of {$1900.00} to an XXXX XXXX account and I notified my card provider IMMEDIATELY, no less then XXXX hour after the transaction was made, and I was told by Wisely to contact the merchant because there was nothing Wisely could do! I contacted XXXX but because I dont have any accounts with them because this is FRAUD, they have no way of finding the transaction! Prior to this large transaction, there were FOUR {$0.00} transactions for XXXX in which wisely responded oh that just means your card was declined at an XXXX UMM WHAT? Wisely is now telling me itll take XXXX days for them to complete an investigation and until then Im out of almost {$2000.00} and have no way of feeding my children or putting gas in my vehicle to get to work.
Product: Debt collection

Dear Sir/Madam, Last XX/XX/XXXX my daughter XXXX XXXX XXXX, XXXX   years of age experienced XXXX XXXX and XXXX while we were having a 3 day vocation in XXXX XXXX, Nevada. We brought her at the emergency room in a hospital in XXXX XXXX. 
At the emergency room we informed the nursing staff that we do not have a health insurance. We informed them we can only pay the emergency room fees since we do not have a health insurance. 

A practical nurse examined my daughter and gave her XXXX XXXX XXXX. There was no Emergency room physician that examined my daughter and after paying the emergency room fees of US {$600.00} through our credit card we were discharged from the ER. 

However, after 4 weeks a collection agency keeps on threatening us that we need to pay our balance of US {$880.00} for the doctors fee. Even though there was no medical doctor or Emergency doctor that examined my daughter. The collection agency keeps on writing and calling us since last year and threatening us that they will report to the three credit bureau .for our debt collection. I am a XXXX XXXX and my wife is a XXXX XXXX XXXX XXXX  visiting from XXXX XXXX XXXX and we are aware that only a nurse examined my daughter and gave us a prescription her XXXX. 

Collection agency.is making a fraudulent claim and this unfair practices should be stopped and they should be reprimanded for false claims. 

XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) are harassing us through phone calls and letters. 
Creditor XXXX XXXX XXXX XXXX Account XXXX Amount : US {$880.00} Service Date XX/XX/XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX
Product: Checking or savings account

On Bank of America I put two " Stop Payments '' on my checking account ending in XXXX on XX/XX/XXXX. One was for " XXXX XXXX '' and the second was for " XXXX XXXX XXXX '' ( these are really the same company, they changed names ). I also put a " hold '' on this account so money could be deposited but none could be withdrawn and I transferred all funds except {$1.00} to my other checking account ending in XXXX. <P/>The check # XXXX was changed to a " Check Conversion Voucher '' and honored on XX/XX/XXXX. The bank used my overdraft protection and took the funds from my savings account in the amount of {$490.00}. <P/>I received two Stop Payment Request Letters from Bank of America dated XX/XX/XXXX. I am sending the one copy, however, I accidentally shredded the one for XXXX XXXX XXXX and the bank said they could not send a copy because this is an automatic letter when stop payment is requested.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I found an item to purchase online and paid {$270.00} for the item via XXXX through my bank 's wbsite. I later found that the seller 's website is similar to the legit website of the manufacturer. The scammer 's website is XXXX XXXX XXXX and legit website is XXXX. I contacted my bank, Truist, as instructed by XXXX, and filed a claim on XX/XX/2022. On XX/XX/XXXX, Truist Bank sent me an email stating that my claim was denied because the payment was authorized and was not fraud. I was told by XXXX that that the scammer has a retail token and opened the account XX/XX/XXXX, and is depositing funds in XXXX XXXX I would like my funds refunded because it's obvious now and well known in government that XXXX does not vet applicants thoroughly along with the bank XXXX association with XXXX. Please help in any way you can.