23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Bank of America modifies due dates, asses late fees, and compounds interest in a way that should be illegal, if not already. 

Due to Bank of America modifying the date that a credit card statement is processed it is impossible to schedule a ( date ) recurring payment that assures you have a XXXX balance as of the statement date. Moreover, even if you do pick the correct date, charges that occur on that date, after the transfer of funds are carried forward. Bank of America asses interest on your account at the last possible minute but does not give you the option to pay after/just prior to this assessment. I was told over the phone this can be done, but it can not be signed up for online. 

I was charged late fees and interest totaling {$100.00} over XXXX  months, while making a payment each month for the complete balance of the card as provided by BoA, within XXXX  day of each other in calendar date. Bank of America never notified me of any interest or late fees being assessed and does not have an option to do so. They provide options to alert me on individual credit purchases over a dollar amount or checks posting, but can not alert me to late fees or interest assessed? This is an abusive banking practice and should be mandated by law. 

I was never notified the account was past due in XXXX, and only let me know after multiple days of assessing interest in XXXXXXXX XXXX  XXXX 's payment. The late fees and interest are retroactively added to the previous month 's statement so that without opening past months statements in online banking there is no way to know that interest or late fees were assessed. I was never able to find a {$39.00} late fee I was told was assessed in XXXX anywhere in their XXXX  app, which is my primary way to access banking. I only found it when viewing XXXX copies of statements from the PC. 

After calling Bank of America they offered to credit me back the {$100.00}, but said I would need to call back and pay an adjusted balance if I continued to use the card in XXXX, which does not make sense as interest should not be being compounded on purchases made prior to a closing date. Bank of America charging me daily interest on charges I am currently making is an abusive banking practice WHEN I'm not even aware my account is past due.
Product: Checking or savings account

On XX/XX/year>, a fraudulent purchase was made for basketball tickets for around {$800.00} for a game in Tennessee when I live in Arizona. I reported it right away to USAA. After a month of their investigation, they responded and said the purchase was not fraud because they used my information. The amount that was refunded was then taken out of my account. I am trying to dispute their decision but the amount was still taken out.

I am a federal agent in the U.S. government for 17 years and a member with USAA for 20 years. Even after all the obvious information, they determined that I was lying or at least that's how I take it.

I can also provide their report.
Product: Checking or savings account

On XXXX I open a high yield savings with capital one. I put in a {$100.00} to start the account on XX/XX/XXXX. On XX/XX/XXXX I put in XXXX from my existing savings account. Once receiving my student loan money I put in an additional XXXX on XXXX. I was given notice on XX/XX/XXXX that my account was frozen. I called to infer and wasnt given an answer but was told that they will be ending the banking relationship. However they have no timeline on receiving access of my funds.
Product: Debt collection

I pulled my credit report and found that TSC is reporting on my credit report for over {$1300.00}. On all  XXXX  bureaus it is reporting. I sent a debt validation letter on  XXXX / XXXX /17,  XXXX / XXXX /17 and  XXXX / XXXX /17 with no proof or response of the validation. Per the credit bureaus TSC sent an electronic response to all  XXXX  bureaus and never sent me or them proof of the debt. I requested name and address of original credit, copy of original contract, complete accounting information with fees, payments, interests, and charges, as well as the date of the debt. This debt is not mine, it is ruing my credit worthiness, and is reporting inaccurately.
Product: Credit card

I filed a complaint with cfpb XX/XX/XXXX, Citibank was notified and a temp credit was applied to the credit card pending review. After multiple calls and multiple bills, the credit has been removed and they are charging me for the transaction along with late fees. I did everything I could do starting from the immediate notification to Citibank on XX/XX/XXXX reporting the fraudulent transaction. I did not authorize the charge, I did not make the charge, i called Citibank multiple times and they dont seem to care that I immediately called to report the fraudulent charge when I was notified of the transaction while in XXXX XXXX insisting I am responsible. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit card file for things that I did not apply for and it is affecting my credit. 

XX/XX/XXXX - Discover Bank ( Hard Inquiry ) XX/XX/XXXX - XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX ( Hard Inquiry ) XX/XX/XXXX XXXX ( XXXX  XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX Hard Inquiry ) XX/XX/XXXX - XXXX Payments ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX XXXX ( Collection ) These companies have hard inquires all over my record and it is negatively effecting my credit score. This is ridiculous and these companies should be tarnished.
Product: Checking or savings account

On XX/XX/2021 I received a deposit of XXXX from California EDD, I used my card to at XXXX XXXX XXXX, XXXX XXXX, Oregon. I continued to XXXX on the same street, in XXXX XXXX, Oregon and used their ATM., Within an hour ( and not to my knowledge ) someone made an ATM balance inquiry, in XXXX XXXX , Calif. , and minutes later, someone made a withdraw of XXXX at a ATM in XXXX XXXX , Calif. That's about a 1000 miles from where I was standing. Now my problem is that the banks fraud protection should have shut my account down at the balance inquiry, and I would have had my funds intact. Or when that someone withdrawn XXXX out of another ATM, was another chance to shut my account down. I filed a claim which they closed the next day. I called customer service again and reopened the claim. I have called many times but they said it's under investigation. XXXX XXXX of the XXXX is a payment that I owe and the company I make payments to are hounding me and my credit with them is going to suffer along with my poor credit score. I am trying to raise my credit score not lower it. The bank that has lost my funds has been rude and treat me like I stole my own money. The last deposit I got, I withdrew all my funds. I don't trust this bank and I'm stuck receiving my unemployment benefits though them. I need my money, it's bad enough that my work has gone to a complete stop. due to the virus.The bank in question keeps telling me to wait and that their hands are tied. And it could take up to 45 days. My bills are not able to be pushed back to make my XXXX payment. I feel that the bank is not doing what they can to credit my account. As for Fraud Protection, this bank is the fraudster in my mind. It should be against the law to hold cardholders funds because of their mistake.
Product: Mortgage

This is my second complaint with Chase Bank. This is additional information from a previous complaint Re : XXXX. I applied for the Home Loan Modification program XX/XX/XXXX, due to financial hardship and job loss. The first application, Chase incorrectly calculated my monthly gross and net income. I was denied. Then, I repeatedly completed over XXXX applications for a modification and I have not had any success with the HOPE assistance program recommended by Chase. During my unemployment from XX/XX/XXXX - XX/XX/XXXX, Chase appeared to be working with me to avoid foreclosure. However, throughout the process, I was repeatedly denied any homeowner assistance for a interest rate modification or alternative option. I resumed paying my monthly mortgage XX/XX/XXXX and I am currently 3 months delinquent. I understand my loan is insured by USDA, but I do not understand why I do not qualify for any loan modification. My applications stated that I " do not meet the minimum financial requirements of the investor or insurer of my loan. '' I understand it 's all about the numbers, but it is not clear what would be the min/max standard for Chase or the investor to re-evaluate my interest rate modification. What are the minimum requirements? What does chase need to calculate a proposed -post modification debt to income ratio that is within the acceptable range of the program?
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, XXXX XXXX sent me a Venmo in the amount of XXXX. I tried to instant transfer it to my bank in order to pay rent. Instant transfer was declined for some reason but standard transfer was available with a date of XX/XX/2023 given as the date to transfer to my bank by 2 different agents. Neither agent could tell me why the amount was on hold. I called on Monday and was told the same thing. I called today and was advised an additional 5 days may be needed before the funds would be released. This was never disclosed previously. Transcripts of all conversations were provided to me. XXXX XXXX Venmos me all the time as she is my rep payee for my XXXX funds. These are federal funds. Theyve never been held before and no reason was given as to why now. This is adverse action against me as a Medicare recipient. Additionally, Im incurring XXXX in late fees for being late with rent because of Venmo. I was told I could not escalate and no one knew who regulated Venmo. Id like the policy to be clearer, reasons for holding xfer past the 3 day window to be provided and any fees to transfer these funds be waived. The escalation policy should also be reviewed. My bank is XXXX XXXX. XXXX XXXX is XXXX XXXX and my name is on that account as well. Im being adversely affected. Funds couldve easily been verified. Please respond asap. Id also like a letter be sent to my rental company regarding this issue and for Venmo to refund any fees I incur for being late on rent. Thank you.
Product: Debt collection

I don't know who Portfolio Recovery And Associates is, but I want them to stop calling me. They have called me late at night after XXXX XXXX. They have also recorded my phone calls without letting me know at the beginning of each call that the call was being recorded. I am requesting that they STOP CALLING and to communicate with my authorized representative only. Please also see the attached letter.
Product: Debt collection

This law firm is the most aggressive there is. Even after hiring a paralegal to handle this case, the firm still wouldn't negotiate and continues to threaten a lawsuit against us for a debt created over 5 years ago. They required payments immediately or we're trying to sue and garnish wages. We ended up paying over $ XXXX a month to get them to stop hurting our names and trying to take us to court over this. They are the worst company we've ever heard of. XXXX flexibility or negotiation here.
Product: Credit reporting or other personal consumer reports

I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be enormously valuable. We are hoping to purchase a house. Kindly assistance
Product: Credit reporting or other personal consumer reports

Per the FCRA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX XXXX XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

These are the charges that i see and theses are unauthorize. i want them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. JPMCB CARD Inquired on XX/XX/2020, XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Vehicle loan or lease

On XX/XX/2015 I signed a 3 year lease with GM financial. I never had any problems and always paid on time. I never had a late payment reported in my credit report, I worked very hard to keep my credit in good standing. In the past few months GM financial had many issues with their online system. Multiple times in the last months of my lease I attempted to log into my account to see my lease end to date status and or payment balance along with pay off information but their system would be down in many different occasions. I would get a message that system was down for an unknown period of time. This was very frustrating. I called GM Financial to update my contact information and for some reason the agent failed to updated it. Only one side of GM financial had my correct phone number. On XX/XX/XXXX Of this year I accessed my account online to get my pay off information and last payment and end of lease details so that I could start the start the auto loan process with my bank since I had decided to buy my XXXX XXXX. Under the online payment process tab under the payments remaining it said one payment is remaining!!!. So I made that payment on XX/XX/XXXXassuming it was the last payment as it indicated online. In early XX/XX/XXXX I called to get my pay off balance since I could not access the account online ( their system was down again for days ) by this time I was already approved with my credit union to buy this car from GM Financial. I spoke to customer service and they transferred me to the payoff department. I spoke to the agent XXXX  4 times and she educated me with the pay off process, she provided me the pay off amount. I give this information to my bank and proceeded with the purchase of the car. At no point in my conversations with XXXX  in the paynoff department or agents in customer service mentioned that My account was late and that there was one more payment remaining. No one ever said anything to me, I also didnt get any calls or letters from GM financial letting me know that there was another payment remaining and that my account was delinquent!!! Not until I asked an agent why is the account balance not matching and she said you have a 38 day late payment!!! Excuse me!? When did this happened!! I asked if it had been reported to the credit agencies and was told yes after spending a full hour on the phone. I immediately asked to dispute the late report and asked to speak to management but my request was denied. Every agent I talked to said sorry! I cant help you and said I cant file a complaint or do anything to resolve the issue. They said I have to dispute it directly with the credit bureaus!!!

I asked for your help!! I want this late to be removed-deleted from my credit report!! I never paid anything late and have no late reports on my credit!! This has been a really bad experience with GM Financial and I will do what it takes to clear this from my credit report! I am a responsable person and take good care of my credit history!!! Please help. You can call me at XXXX
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX XXXX : {$870.00}
Product: Payday loan, title loan, or personal loan

Filed for Chapter XXXX Bankruptcy. 
Judge sent Wilshire / Westlake Financial Services the papers. 
They refuse to release the Lien. 
Every time I call, they say that this is the first that they heard of this. 
No attempt is made to remedy the amount owed.
Product: Debt collection

In regards to complaint number, XXXX, Transworld Systems provided false information in a feedback response letter. That specific complaint was filed because the payment was tried again, even after I alerted the CFPB alleging potential check fraud/ that I disputed the transaction attempt. 

The company did not provide a response to this specific complaint. I will be in communication with XXXX to question their business with federal contracts in regards to XXXX. This needs to be made public and hopefully XXXX will cancel their contract with XXXX. 

Furthermore, I am posting this current complaint so XXXX does not attempt to send another check through at the end of this month, which I will not authorize. 

Again, as XXXX has stated they " take these matters seriously '', I dont think a FTC complaint is enough and I feel they do not take these matters seriously.