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

Today - XX/XX/2022, I spoke with an individual by the name of XXXX - that works in the " unclaimed property department '' for Bank of America. I asked her to place my funds placed back in my bank account. She placed me on hold and came back to the phone conversation and began reading the disclosure from the bank that stated, whenever the bank can not contact the bank customer- they send the funds to the state. 

The problem I have with this is that the letter I received yesterday XX/XX/2022, was the " first and only time '' I received anything from Bank of America, and the letter that I have attached states " Escheatment of abandoned account to state '' The assistance I am seeking is to have my funds placed back into my account. Bank of America has chosen to step bounds without properly contacting me ( as stated in their own disclosure ) to find out if I was still alive. Bank of America, I am still alive and don't take it upon yourself to make decisions for me when I am alive to make them for myself. Place the funds back into my bank account.
Product: Credit reporting or other personal consumer reports

I dispute this account in XXXX they said is verified them I ask them for proof and they never send it to me i ask for my original sign contract whit JEFFERSON CAPITAL SYSTEMS i not liable for this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has sent me a letter refusing to investigate my identity theft claim. After I have mailed XXXX identity theft report and disputed accounts they are refusing to help me with these items that are incorrectly being reported. XXXX I add my privacy rights were violated by Equifax in the data breech and In accordance with XXXX this company has violated my rights 15 U.S.C 1681 section 602A states that i have the right to privacy U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account or my personal information without my written or verbal instruction
Product: Mortgage

Flagstar Bank is charging me for late fees that I have not incurred. I have called the bank multiple times but they have not resolved the issue and now they are threatening me with reporting me to the Credit Bureaus. My credit score in the XXXX 's because I have never defaulted on any loan. 
I have paid my Flagstar Mortgage payment on time before the XXXX of each month since XX/XX/XXXX without falf every single month in advance to this date. 
The problem seems to be that on XX/XX/XXXX they charged my account {$6200.00} for " insurance '' this was an incorrect charge since I had secured XXXX XXXX XXXX on my own as stipulated. It took many long phone calls before they wrote off the bogus charge. Then for no reason at all they sent me a check for {$1300.00} XXXX new this was either an error or a scam and I did not cash the check. I spoke on the phone with XXXX of their agents who identified himself as XXXX and I asked him to place a stop payment on the check. As a result of this book keeping changes they decided that my payment checks were 1 month late instead of being a payment in advance as they are and now they are charging me late payment fees that I do not owe. My mortgage payments to Flagstar Bank have always been made automatically form my XXXX XXXX Bank account and always on time and I have the records to prove it.
Product: Credit card or prepaid card

I purchased a {$100.00} VANILLA VISA GIFT CARD for my friend 's birthday and when I mailed it to her it was destroyed in the postal system and all she received was a piece of the mailing envelope in a clear plastic post office bag. The birthday card and the {$100.00} Vanilla VISA Gift Card were never received. I went back to the XXXX XXXX where I purchased the card and they retrieved the Serial Number of the card from their internal computer system. The card was issued by XXXX XXXX and is serviced by InComm Financial Services , Inc . I telephoned the number listed on the packaging XXXX and they issued case number XXXX to me after verifying the card had not been used and asked that I send a government id such as my driver 's license to verify my address. I sent them a copy of my license to a number they initially provided.to me at XXXX. After waiting two weeks and never receiving a replacement card I telephoned back and learned that the fax number provided to me by their employee was wrong so I re-faxed my license to a new number they provided XXXX on XX/XX/2019. After waiting weeks again I telephoned back and they said they now want a copy of a recent utility bill not over three months old to verify my address. I advised them my current license was verification they originally said i could send.
Product: Mortgage

Greetings! I am filing an official complaint against Select Portfolio Servicing , Inc., XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX for continuing lies and unprofessional attitude. I have an existing loan with SPS - XXXX and I have set up an automatic bill pay with my banking institution. In XXXX I made an accidental double payment in the amount of {$3500.00}. Once I discovered my error, I promptly contacted them and requested that they wire me back the money to my bank account on record, and have faxed them numerous times all the pertinent information - XXXX routing number, account number and the contact information of my banking institution. The last week has been, mildly speaking - XXXX on earth. Different reps telling me different stories, tossing me around from extension to extension, putting me indefinitely on hold and just dropping the connection at will. So, finally, they promised that today, XXXX I will have the check overnighted. To me, such an attitude where you tell your paying customer a whole bunch of lies and just never bothering to do the right things is just unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I sent a Notice of validation of debt pursuant to 15 USC 1692g, asking for the accounting, particularly the balance sheet, showing that I owe this alleged debt. 
XXXX I received a letter from Credit Acceptance , asking me to settle the account without sending me the requested material and validating the alleged debt.
Product: Checking or savings account

I am a teenager. I have a teen account, in connection with my grandmother 's account at Wells Fargo. On XX/XX/2022 I discovered that my XXXX} Bank account balance was only XXXX. I had been at home all night - I live with my grandparents and do not drive. My ATM card was in my wallet. No withdrawal over XXXX should be accepted by the bank, and most times I receive Fraudulent Notices by text, when I make purchases in a high amount. I also only go in to the bank to withdraw money. Someone was able to withdraw XXXX} in three separate transactions on XX/XX/2022. I called Wells Fargo and reported the fraud. They said they would investigate. I called them on XX/XX/XXXX, and they said there was no evidence of fraud and I would not be getting my money back. My grandmother also talked to them, and explained that I should not have been able to withdraw the money, and I received no fraud alerts. They had no answers. I spoke to XXXX and XXXX at Wells Fargo. They said they could escalate my call to the Executive Department, and they would call back in TEN DAYS. I find the service I have received to be unacceptable. They said they could not prove Fraud, but they never said that they could not prove that I withdrew the money.
Product: Mortgage

I have spoken to several representative in both escalations as well as customer relation as well as customer service. I am extremely disappointed in the issues I have been having since I was just transferred to Mr. Cooper. It seems that each representative has their own different interpretation of the Mr. Cooper Transfer Guarantee that I find to be a very disturbing. I have spoken to several teams members, who say they have made notes on my account. My account was official transferred to Mr. Cooper on XX/XX/XXXX. I arrived back in the country from my XXXX/XXXX XXXX Vacation While on my vacation, my mother sent a payment to my mortgage holder. When I came back and found out about the transfer I had my mother cancel payment. I was told by a representative with Mr. Cooper that I could have an investigation started in which I declined because my mother canceled payment. I gave the wrong payment account, however, I was advised that the XX/XX/XXXX, and XX/XX/XXXX would not be reported delinquent, access late fees due to the transfer, messages relayed to me, and then of course the Mr. Cooper Guranteed. 

I was very disappointed to receive that a verification of mortgage was sent stating that XX/XX/XXXX and XX/XX/XXXX was delinquent. I was promised that I was not delinquent and if I made payment by XX/XX/XXXX ( in which I made two payments ).
Product: Mortgage

We recently got a home equity loan with BBVA Compass. On our first mortgage statement we were charged a {$320.00} appraisal fee. When we reviewed our HUD-1 statement we saw that that fee was to be paid by the lender in escrow. We called BBVA Compass and after an 45 minutes of transfers and hold time, we were able to get them to reverse the charge. My concern is that other people have been charged an appraisal fee after closing, and did n't know that they should n't have to pay it.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below..

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the XXXX states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting or other personal consumer reports

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said account. 
Account payment history is reflected as late payment on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance XXXX
Product: Credit card or prepaid card

I had 2 Citi credit cards. The Citi Prestige card and the Citi Premier card. The Citi Premier card was due for renewal, so I decided to downgrade it to a no annual fee card and keep the Citi Prestige. I called Citi Customer Service on XX/XX/2022 and spoke to a supervisor named XXXX from team XXXX. The purpose of my call was to combine my XXXX accounts, then downgrade the Premier card to the Reward Plus card. This way, I would not lose the ability to transfer points to airlines and prevent the combined points from having an expiration date. I explained to XXXX what I wanted to accomplish on the call. XXXX was helpful and worked with me for almost an hour to make sure things were done as I requested. He confirmed the following : XXXX. Citi Premier XXXX account was transferred and combined with my Citi Prestige XXXX account. XXXX points were combined with my Citi Prestige XXXX account for a new balance of XXXX points. I did notice the balance that was being reflected online was XXXX points ( this was before my XXXX statement was generated ), but he said it would be reflected within XXXX hours. 

XXXX. He confirmed none of the new point balance would have an expiration and that I would not lose the ability to transfer any of the points to airlines. 

Today, I checked my Citi account online and noticed that XXXX points were expiring on XX/XX/2022! Please see screenshot attached. Also, I did not see the point balance of XXXX points was more than XXXX points. 

I called Citi and spoke XXXX XXXX XXXX, who was very unhelpful and claimed that there was nothing she could do about the expiration! She claimed that they needed to listen to XXXX 's recording for the next step. I asked about the point balance, but she wasn't willing to help.
Product: Checking or savings account

On Thursday, XX/XX/2022, I opened a TD Beyond Checking and TD Savings account in branch at XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, as I received a mail offer with bonuses for account opening and fulfilling a variety of criteria. The criteria for the savings account was to deposit {$10000.00} in the account within 20 days of account opening and maintain the balance for 90 days. 

Naturally, I linked my other external accounts to the TD accounts for transfers ( some of my accounts were older, so it would be good to concentrate my funds in a more central account ). I made a variety of transfers in the first week or so my account was open to work toward the {$10000.00} balance. Along the way, I made an internal transfer of {$6000.00} ( most of the available balance indicated in my online banking ) from the TD Checking to the TD Savings account ( as some of my external accounts could not connect to the savings account, so I deposited to the checking account first ). 

On XX/XX/XXXX, I found that a deposit from one external account was rejected with no explanation ( I already verified with trial deposits ). On XX/XX/XXXX, I was locked out of the external transfer feature altogether. On XX/XX/XXXX, I was locked out of my account with no access to my funds. Then, two deposits were returned to the original accounts, and deposits from two others were frozen and removed from my available balance, leading to the {$6000.00} internal transfer mentioned above somehow causing an internal overdraft with a fee. 

Throughout the week, I have called TD customer support, and they have been exceedingly unhelpful, unable to restore access to my bank account or give me access to my funds. I then went into the branch on Thursday, XX/XX/XXXX, and they were unable to restore access as well, though they did take in the request to review the account.
Product: Money transfer, virtual currency, or money service

on XX/XX/23 PayPal contacted me informing me that my funds from my account have been withheld for breaching terms of service, but refused to elaborate further. They withheld {$15000.00}. This is not a small sum for me. 
Reference number XXXX
Product: Checking or savings account

I took my car for repairs. I was told that I would need a new motor. I was informed that the cost would be XXXX. I agreed to that price and left my vehicle to be fixed. Due to me needing a new motor I was told that I would need to pay the cost of the actual motor upfront. I paid XXXX for the motor cash. When it was time to pick up the vehicle I was informed that the balance was XXXX. I received this via text after the increase in price was applied. I advised them at that time that I would be there to get my car, but that was not the agreed upon price. I go to pick the car up and the check engine light and the D shifting light is blinking as well as the car making a sound. I advised them that was not the agreed upon price and the owner said I had to pay it or not get my vehicle. I was never informed prior to of the increase in charges. I go to pay the remaining balance and see a charge for XXXX which I did not authorize.The vehicle was never fixed correctly and the charge for that amount was never authorized by me. I was sent an invoice a few hours after for the price of XXXX. That was not even the price I paid so it makes me wonder are they washing money or something at this company.
Product: Debt collection

I was the guarantor on my daughter XXXX 's lease agreement with XXXX XXXX in XXXXXXXX XXXX  She paid the XX/XX/XXXX rent within terms on XX/XX/XXXX via direct transfer from her bank account. XXXX misapplied the cash receipt, then placed her account for collection. 
Neither I nor my daughter received notice, written or otherwise of an unpaid debt, from either XXXX or a debt collector. 
I was called by XXXX XXXX on or about XX/XX/XXXX, demanding payment. I explained that I didn't have the information to validate their claim but would do in the next few days and to call back the following week. The collector was uncooperative, demanding immediate payment, and constantly talking over me. 
On or about XX/XX/XXXX I informed XXXX XXXX of the payment details and told them XXXX had confirmed the account was paid in full. When they demanded written proof, I asked them to call my daughter, as it was her financial information to share and gave them her name and phone number.. 
XXXX confirmed in writing to my daughter on XX/XX/XXXX that the account was fully paid. 
XXXX XXXX XXXX XXXX filed derogatory comment on XX/XX/XXXX and have subsequently not removed, despite knowing that a dispute was filed with XXXX. They have yet to contact my daughter or, apparently, confirm the debt with XXXX. They reasserted on XX/XX/XXXX to XXXX that the debt was outstanding. 
My XXXX XXXX has decreased for XXXX in XX/XX/XXXX to XXXX in XXXX with no other notable changes in the underlying credit information.
Product: Vehicle loan or lease

Car was sold to me as new when in fact was damaged when delivery to lot car had numerous problems ( do have supported documentation ) they would not allow me to trade down I had car inspected by ga dot inspector he failed the car the car was given up in 2015 and they refused to help
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my account which XXXX took off, but it seems Experian has not removed it. XXXX was supposed to use XXXX XXXX to pay for my school tuition, and never told me they didn't apply it, I paid it the moment it was brought to my attention.
Product: Credit card or prepaid card

Comenity bank-financed my dental financial account. I recently learned that they took {$200.00} off my credit limit and took away the nearly {$600.00} of available credit that I had. My account is current their excuse was that it was due to my other credit accounts being past due. But I have recently made payments on these accounts but they haven't been updated yet. My bank closed my checking account on XX/XX/2020. This is why I was behind in making these payments. I am being punished by Comenity by losing my credit limit and even though my account is current with them they are still punishing me by taking {$200.00} from my credit & taking away the nearly {$600.00} of available credit I had leaving me with only {$5.00} There is always some mental strain being put on me through no fault of my own. And I get punished for it. This virus pandemic has caused a lot of financial problems. But to punish someone by taking away their credit because of a virus pandemic & raising their payment all through my account is current with them is not fair.
Product: Mortgage

XX/XX/2016, I contacted CitiMortgage once I notice that we were behind on the mortgage. At that time, we were four months in the rears. I contacted the modification department hoping that I could set up a payment arrangement through loss mitigation department. Our specialist was XXXX XXXX who worked with us all the way until recently XX/XX/2016. I have sent all the required documents at least three times even after she said all the information was in. On several occasions she told my husband and myself that other people were more urgent because they were actually in foreclosure. In the mean while they expressed that our case would be closed if we did not sent in more documents, which often were the same. We hurried to send in all request even if they were duplicate by email within the two-day window given. We wrote countless letters explaining the same information. In addition, were required to give information such as my teachers ' contact which had nothing to do with determining my salary thyat was verfied by others in the loss mitigation department. Each time our specialist informed us that the loan officer was requesting all these documents. At this time we 're now more than 5 months out without a resolution of a plan. In the meantime, XX/XX/2016, we received foreclosure letters. We sent the court a letter stating that we would like to have a mediation to come up with a plan to keep our home. All while Citi gave us a new case specialist who yet once again asked for updated information in which we are still complying to date. Also, we consistently received conflicting information from the loss mitigation phone line, supervisors, and specialists. 
This has really caused a hardship and we feel we are in limbo. We have made every possible effort to have resolution yet nothing has happened.
Product: Debt collection

The alleged debt is non-existent as all debts with XXXX XXXX XXXX have been fully satisfied by me in the past. The collection of any other debt is unwarranted and unfounded.
Product: Debt collection

FOCUS RECEIVABLES MANAGEXXXX XXXX PK XXXX, XXXXXXXXThis company listed above has reported a false claim on my credit report with XXXX stating I owe them {$200.00} from an account opened in XXXX 2014. I have called XXXX XXXX XXXX XXXX inquiring about this debt and they do not have any information regarding it. 

I have tried contact this so called company, and can not get any representative on the phone. They have not sent me any letters either informing me of this so called debt I owe. This is impacting my credit score and report and need it removed ASAP! I need to speak with someone regarding this immediately. 

To my understanding I am not the first person this collection agency has falsely accused of owing money to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Cards XX/XX/2021 TransUnion XXXX XXXX XXXX Credit Cards XX/XX/2021 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Prepaid card

I have a {$100.00} dollar Vanilla gift card. I have tried using it on XXXX, online with XXXX, and a number of different websites, and no one would take it. I went to XXXX different stores and tried to pay with it, and it could not be read by any card machine. It expires today so I tried to use it at a restaurant and it wouldn't go through. I called the number on the back and it said it only had a balance of XXXX and I never used it.