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

To whom it may concern : On Saturday XX/XX/23, I received a check from my attorney for {$14000.00}, and I made the deposit at my local Bank of America BrancXXXX here in XXXX, Co. The gentleman informed me that a third of the funds would be available on Tuesday XX/XX/23, but that never happened. I later discovered that my bank decided to place a longer hold on the check that was issued to me to be available on XX/XX/23 when the check was made by my lawyer who's bank is locally here in XXXX as well. Moreover, I spent hours calling their call center, and they kept hanging up on me, and so I decided to go to another Bank of America branch near my house, and they told me that I needed to go back to the original location where I deposited the money, and they can release the hold. Well the following day I did that, and that branch told me that they can not do anything, and I needed to contact my lawyer to place a stop payment, and have him reissue another check to me to cash it at his bank. Well that didn't sound right to me, so I contacted my lawyers Bank : XXXX XXXX, and they informed me that Bank of America had already taken the funds, and the check cleared on XX/XX/23. Afterwards, I went to another Bank of America, and their XXXX wasn't helpful at all, she said it was a federal offense for her to have the hold removed, and she can only help me this time which made no sense to me at all. Then I gave her my debit card and my drivers license, and she said she will verify the check for me by contacting XXXX XXXX. Well after wasting an hour at that Bank of America branch, she told me that XXXX XXXX  refused to verify the check, and there was nothing she can do to help me. 

Finally, Bank of America has wasted my entire week giving me false information, and misleading me due to them not caring about my needs by cashing a check that had already cleared on XXXX, and I believe that there is no reason for them to hold my check for XXXX weeks when my check had already cleared XXXX days after I deposited the check into my account. I feel like they need to be held accountable for lying and misleading me, and for doing malpractice in banking. After all of this, I don't feel comfortable doing business with Bank of America ever again, you can also look at their reviews it's horrible
Product: Debt collection

On XXXX XXXX Southwest Recovery Services sent me a letter responding to my dispute letter for the amount of XXXX dollars asking me to provide enough information about the debt they have reported on my credit and all the information I have is their name and address. If they are reporting debt on my credit how is that possible when they can not send me the account number to the debt they say I owe them.
Product: Debt collection

It is distressing to know that the information included in my credit profile has not been maintained with reasonable procedures to ensure maximum accuracy, as mandated by credit reporting laws. The accuracy of credit information is crucial, and every effort must be made to assure that information reported is entirely accurate and correct. I am specifically addressing the following information, which I request to be reinvestigated : XXXX XXXX XXXX and XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX. I respectfully request that you provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. In the absence of such documentation, I insist on the immediate deletion of this item from my credit report.
Product: Mortgage

In regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, CA. XXXX XXXX XXXX fax NMLS # XXXX They do a very hard sell, do not take no for an answer. They showed me what my mortgage and costs would look like. I sent them the information they asked for. They had me go online to sign forms. When I looked at the mortgage information on their site, the costs where higher. I told them via email XX/XX/2017  that I had changed my mind and did not want to refinance my home at this time. Since this day they have called me 2-3 times a day, every day, asking me to call them back to talk about this ( XXXX XXXX XXXX - Sr. Mortgage Specialist ), he also had his boss call me ( XXXX XXXX XXXX - District Manager ). Then they sent me a letter with both of their business cards. They continue to call me 2-3 times a day to this day, including Saturdays and Sundays. I do not answer the phone as I feel I do not owe them an explanation, I said no. They need to stop! This is harassment. If they do n't stop I feel I would need to hire a lawyer.
Thank you
Product: Debt collection

When I checked my credit report on XXXX XXXX, it showed that I had 2 derogatory remarks from unpaid medical bills totaling less than {$400.00}. I learned my debt from XXXX was sold to Trans World Systems. The 2 unpaid bills were from XX/XX/XXXX and XX/XX/XXXX. 

I called TransWorld in XX/XX/XXXX, and asked about the debt I owed they said I have no outstanding debt with them. I told them my credit report shows otherwise. Then went in to say I had nine ... wait no, five accounts, wait ... I think theres just three? ... I was a little unsettled about the fact that they were so unsure about the debt accounts and amount owed I asked them to send me verification of the debt. They said I would receive it in the mail in 10-14 business days. I never received anything in the mail. 

On XX/XX/XXXX I called TransWorld again, this time I was prepared to just pay any debt just to get it off my report. Only, once again, they couldnt tell me how much I owed and what accounts were mine. I asked they just send me something in the mail that says if you pay $ $ $ then, we will take these marks off of your credit report ... they countered with if you pay $ $ $ then well send something that says well take it off of your credit report. How do I know what I owe?! They dont even know what I owe! They said they would send me verification in 10-14 business days. I said you told me that last time and I never received anything ... they told me they had no record of me ever calling. This didnt surprise me. Good thing I didnt pay them money in a promise Id receive something in the mail saying it was off my credit, because it seems they never send mail at all. Its now been over a month since I spoke to them on the phone ... I still have yet to receive anything in the mail.
Product: Debt collection

I have been contacted by debt collection agency by telephone for months for a debt that is not mine. They are looking for someone who does not live at this address or phone number and never have. I told XXXX people from the agency that noone here lives by that name and they keep calling. 
The phone number is XXXX XXXX The company is : Atlantic Credit and Finance XXXX Inc XXXX 
XXXX XXXX XXXX XXXX XXXX, Virginia XXXX
Product: Checking or savings account

Hello, I received a letter from chase bank on XX/XX/XXXX, which forcibly closed my checking account and savings account, as well as all my credit cards. I called the customer service to ask the reason, but they did not give me any explanation. Just say that it is written in the contract that the bank can close your account at any time. For me, I have not done any illegal operations. I have accumulated credit cards for many years. They closed them as soon as they said they closed them. I also paid on time. I know what caused it Closed my account. I also have a company in chase bank. I write a check from the company to me personally. This is the company 's salary. I don't know why it closed me, and I didn't say anything in advance, so I want to complain to chase bank. The credit accumulated over the years will be destroyed, please help me thank you
Product: Student loan

I was set up on a financial assistance program in XXXX due to financial hardships due to changing jobs. I then found out that I was canceled due to the representative setting my payments up as an ACH transaction as opposed to a purchase. I received numerous collection calls after this was set up and this was the only way I knew that my account was changed from a positive to negative standing. I then called and spoke to a supervisor to get this set up again in XXXX. I come to find out today, 5-10, that I was cancelled per a rep. named XXXX. XXXX told me that " the head manager '' declined me, not because the financial assistance program was n't being followed, but because Navient changed their mind in determining my repayment ability. I asked XXXX for an email with some specifics so that I could later call back and speak to a manager but he said that " he was the one who dictated what could be communicated '' and what I wanted was not available in any form. XXXX was rude, intimidating and not helpful. I already paid money to Navient yet do not know what my account status is. I am very worried and concerned that my credit will be affected. I need help.
Product: Student loan

On multiple occasions starting in 2017, Navient would call me offering options when I couldn't pay. When I spoke to them they would only offer Forbearance. Which I took, because I didn't know what else I could do. I now know that this would increases the money I owe over time. Most recently was last week over the phone. 
I also recently called to try to get a lower monthly payment, which is the reason I wasn't paying. I was immediately put on forbearance and then the estimate for repayment was about $ XXXX month. They just resent a new rate, without my consent or application for {$810.00} which will be crippling. ( Email on XX/XX/XXXX ). It states my payment is due on XX/XX/XXXX. But in my account it says a payment is due XX/XX/XXXX. Overall I find the site hard to determine what is real. 
Over the last 5 years Navient has tacked on extra $ - from {$23000.00} to XXXX and respectively from {$48000.00} to {$67000.00}.
Product: Credit card or prepaid card

Capital One bank, specifically on a Capital One Venture credit card. 

This relates to an interest charge accrued on XX/XX/2023 to the sum {$4.00}. Yes, it's not a lot. But it's the principle of the matter. 

On XX/XX/XXXX, I called to ask about this interest charges. They explained, " There's a delay between your auto-payment date and when the funds are received. And that's why there's the interest charge. Because it compounds daily. '' Okay. 

So, I had previously set the autopay to pay the statement " in-full. '' Because I do not want to carry a month to month recurring balance. However, Capital One will not let me set a payment date earlier than the due date. Meaning, if the payment was due on XX/XX/XXXX, then Cap 1 requests money on XX/XX/XXXX, they are charging interest every day until they receive the funds, per the representative. 

This does not feel fair. 

So rhetorical question, if this is the case, why can I not set the auto-payment to fire/pull earlier? Based on the representatives explanation, it feels like they've intentionally programmed the payment settings to collects a few extra dollars here and there. 

I called again on XX/XX/XXXX, around XXXX XXXX  XXXX to ask if they'd eliminate this charge. We escalated to a supervisor who said " no. ''
Product: Debt collection

Amsher Collection Services never informed me through any medium that they were a collection agency attempting to collect a different amount ( {$900.00} ) compared to what XXXX XXXX XXXX XXXX XXXX reported . Amsher Services has reported a different account number to XXXX than the XXXX XXXX has on record. This misleading and false information violates the consumer laws outlined in 15 USC 1681.
Product: Debt collection

On XXXX XX/XX/2020, I informed Diversified that a Debt to XXXX in the amount {$600.00} was pay directly to XXXX via certified mail. I informed Diversified to cease from reporting any information to All credit bureaus and to not contact me. On or XXXX XX/XX/2020 and again on XXXX XX/XX/2020 ; Diversified continued to report negative information to the credit bureaus.
Product: Debt collection

In XXXX we banked my son 's XXXX XXXX  with XXXX XXXX XXXX in XXXX, Arizona, when he was born. We decided to keep the XXXX XXXX when my daughter was born in XXXX with a XXXX XXXX, as there was promise of XXXX XXXX XXXX XXXX XXXX. My daughter received XXXX XXXX in XXXX, which XXXX XXXX XXXX XXXX XXXX XXXX XXXX That means there is no longer any opportunity to XXXX XXXX XXXX XXXX as they are XXXX. 
Additionally, when new research indicated doctors do not need XXXX XXXX XXXX but rather just a person 's own XXXX XXXX ( which are regenerative ), it was clear we no longer needed to bank our son 's XXXX XXXX 
I called to cancel our subscription. 
Then, out of the blue, long after cancelling, after never hearing from the company for years and years, I received a notice from AWA Collection agency in XXXX, XXXX, stating I owed {$480.00}. 
How can the XXXX XXXX XXXX erroneously compile charges, NEVER contact us about them ( XXXX confirmed they still have the correct contact information for us ), then just send said charges to a collection agency, to get us to pay money we don't owe or threaten to ruin our credit???? 
This is EXTORTION. 
Had I been notified of such charges, I would have addressed them and corrected the record. My credit rating will show I do not ignore or not pay my bills. 
AWA Collections is attempting to collect this money, but this debt is not ours. I ask the company clear this off our record, and ensure this does not go to any credit bureaus.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to investigate any items that resulted due to Identity Theft. Please find the required documents to assist in the investigation of the erroneous information which is being posted to my report. 

According to FCRA Section 605B ( a ), XXXX shall investigate any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Please investigate this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXXXX/XX/year>.
Product: Debt collection

ARS account resolution never sent me any notification about this debt, if they did I would have disputed the validity of this debt immediately. ARS account resolution is in violation of the Fair Credit Reporting Act and must remove this from my credit immediately because they have violated the law.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint cause I got a personal loan from Marcus by Goldman Sachs on XX/XX/XX/XX/XXXXthe partial account number is XX/XX/XXXXXXXX I went to purchase Credit monitoring with XXXX and was denied access to my credit report. When I called XX/XX/XXXX Customer service I was told that one of my creditors which is Goldman Sachs was reporting my account with the social security number transposed. They are reporting XXXX and my social is XXXX. 

I was told my credit file will remain supressed until Goldman Sachs corrects the issue
Product: Student loan

Under the Biden Administration, it was found that the Art Institutes were involved in predatory and fraudulent practices. All Federal loans were discharged. I request that my private student loans be forgiven under that basis. 

I have been financially affected by the misleading information or lack of information relating to career prospects. I have had many difficulties in getting a job in my field of study as a result of your schools misrepresentations regarding employment prospects. 
I have an incredible amount of debt in federal loans and private loans. I owe about XXXX in private student loans. In the beginning they made it seem like I will have a job that is well paying and that taking out these extra loans wouldn't matter when I'm working in my field. It's damaged me greatly.
Product: Consumer Loan

I purchased a vehicle through coastal finance located on XXXX XXXX XXXX, XXXX, NC XXXX. This car had several mechanical issues and broke down in 2010. XXXX expert mechanics informed me that the car was not repairable. I called Coastal Finance to alert them to what was happening and that the vehicle could be picked up. Coastal Finance did n't believe what I was telling them so a man by the name of XXXX had the vehicle towed from XXXX, NC to XXXX, NC to his personal mechanic. He phoned me to say that the account would be closed and charged off as I had gap insurance. This account was due to fall off next year and after 6 long years of inactivity they report a missed payment on my equifax credit report and added an additional {$1300.00} to the original amount owed. Now my credit score has dropped and this old account is showing open and different missed payments are appearing. This company is lying to keep this account on my credit.
Product: Debt collection

Collection was allegedly purchased by Midland Funding. On XX/XX/XXXX, {$1200.00} collection was removed from credit file after dispute through credit bureau. Received letter in mail dated XX/XX/XXXX in an attempt to collect {$1900.00} with monthly payments. XXXX online requests have been made to Midland since letter with ZERO response!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an error on my consumer report furnished by XXXX XXXX. My consumer report has a fraudulent late payment being reported on account # XXXX, which is causing me damage as a consumer and limiting my ability to extend credit. XXXX XXXX XXXX  card is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. I have made them aware of this error well over a month ago and they are choosing to break the law. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information. Congress has stated there shouldnt be any late payments? XXXX XXXX and the CRA 's ( XXXX, XXXX, and Transunion ) are attempting to harass me and violate my right as a consumer purposely. I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m. Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX been accepting? Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me. I demand the error in question to be changed to paid as agreed to reflect 100 percent payment history. 

once again this late payment is in regards to : XXXX XXXX Account # XXXX Date : XXXX of XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Contacted them on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20. I was thrown around to every department. I reached out to see if there was an option for a settlement before my credit gets damage even further and they wouldn't even take my call and said that I would have to wait until they called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting two accounts that do not belong to me. XXXX XXXX XXXX ( partial account # XXXX and XXXX XXXX XXXX ( partial  account # XXXX ). Experian has been contacted several times regarding this error. I would like these two accounts to be remove immediately based on the federal fair reporting act.
Product: Debt collection

( PORTFOLIO RECOV ASSOC ) at ( XXXX XXXX XXXX XXXX, VA XXXX ) has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Mortgage

I paid the XXXX XXXX and XXXX XXXX XXXX for loan audits which prove mortgage fraud against Wells Fargo/ XXXX XXXX mortgage backed securities. I filed chapter XXXX with XXXX XXXX. Now judge XXXX XXXX lifted the stay at the request of his house theft pals at XXXX law. I requested they produce a promissory note. He said its too late. They have separated the mortgage from the note and cant forclose. So the Vice President of Wells Fargo forged documents swearing that they miraculously found the missing promissory note. Kickback XXXX XXXX didnt question it. I want my portion of the XXXX XXXX XXXX XXXX settlement fund asap! Wells Fargo loan XXXX. I was the plaintiff in federal court in XXXX against them but was ill and wrote to reinstate the case for which I was denied! I sued for mortgage fraud! After three payments toward modification they foreclosed so I filed ch XXXX. Anyway XXXX law XXXX XXXX XXXX XXXX has tried seven times already and seem impossible to stop from stealing my home. Im due a large settlement. Thanks again. XXXX XXXX
Product: Mortgage

Hello. I recently purchased a home with my family & three of us obtained a home loan together. Our loan was sold within one month of purchasing our home and our loan is now owned by Raymond James Bank ( XXXX ). I attempted to call and discuss my loan with XXXX but they said my name is not listed on the loan/in their system. They would not discuss the loan with me. I have significant concerns about the impact of this on my credit rating. Not having had a mortgage for the last year - after having had one for 15 years- resulted in my credit score going down. It is not in my best financial interest to not have my mortgage associated with my credit. Making mortgage payments & having a home loan associated with my credit help with my credit score. I'm also concerned about problems I may have filing my income taxes. If my name is not shown on the loan with XXXX, I will have difficultly applying the property tax and interest deductions to my tax filings. Worse, I may not be able to do that at all, which will create a significant tax burden for me. XXXX offered me no solution to fix the problem other than to get approval from my family to be able to discuss the loan with them, which is insulting since I am the person making the monthly mortgage payment of {$4600.00}. I've attached the documents proving this requirement. However, all that does is allow me to discuss the loan with XXXX. It does not update their system/records to prove that I am on the mortgage, which has the serious implications I've mentioned above.