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

We have been banking at BofA for many years, maintaining substantial balances from time to time. In XX/XX/XXXX, we bought a home in South Carolina and agreed to let the seller rent the home back from us for 3 months at {$2500.00} per month. The final rent check was machine deposited at BofA and reported on our monthly statement as a {$2500.00} check, but 24 days after the deposit, BofA determined our renters check was just {$25.00}, not {$2500.00}, and reduced our account balance by {$2400.00}. BofA tells us to get the money from the renter, but he moved out of the home during the 24 days, leaving us out {$2400.00}. 

Here are the details : The rent check was deposited on XX/XX/XXXX along with other checks, by BofAs machine deposit system. The deposit slip shows the {$2500.00} check. So does our BofA bank statement sent to us on XX/XX/XXXX. But, more than a month later when we received our XX/XX/XXXX BofA statement, we learned that on XX/XX/XXXX, 24 days after the deposit, someone at BofA concluded our renters check was for {$25.00}, not {$2500.00}. 

When we learned of BofAs delayed interpretation of the check, we asked our renter to pay us the balance ; he refused, saying he was sorry and it could have been caught sooner. BofA says we should sue the renter, but we feel certain BofAs negligent handling of the deposit, e.g., accepting the deposit and reporting that acceptance for the extended period ( 24 days ) our renter was still in our home, is the reason we have been shorted {$2400.00}. 

We believe the language of BofAs Deposit Agreement and Disclosures, which we received from the local branch, governs the issue. According to page 25 of that document, BofA reserves the right not to ... adjust ... for ... deposit errors. If the renters check was erroneously drafted, BofA compounded that problem by reporting the check as properly drafted for 24 days, then changing its position and damaging us by {$2400.00}, We can provide documentation if necessary.
Product: Credit card or prepaid card

I was told to reset my 4 digit pin and was told I wouldn't have any more problems. This was friday and Saturday of last week.
Product: Credit card or prepaid card

I applied for a card on or around XX/XX/2022 and was approved. I was notified that a card would be received in 7-10 business. 

I requested a replacement card a month later on or around XX/XX/2022 because I figure at this point its been lost in the mail. 

I reached out to the company via their website contact us email and have been getting multiple inaccurate and indescript explanations about supply chain shortages etc. 

Issues are : 1. The information about 7-10 days to receive card is false. 

2. A digital card is available for 50 % of the approved limit making the information on my credit report that they are reporting as inaccurate. 

3. Offering credit cards that are not available to consumers is just wrong and deceitful. 

Its been close to 2 months with no sign of the card user agreement or card. 

This companys practices should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter to Remove Inaccurate Credit Information
Product: Credit card

I contacted XXXX XXXX on XX/XX/XXXX, my payment due date, because I wasn't able to make the payment online. The clerk took the payment and I asked her XXXX times if I was going to be charged a late feel, and she said " no ''. I asked if I would be charged for making the payment over the phone, she said " no ''. XX/XX/XXXX, I was checking my account and noticed I had a late fee charged! I called the company and spent XXXX XXXX minutes on their automated system only to find out they were closed. I called back on XX/XX/XXXX dealt with their system again and it closed my account. It's impossible to reach a live person. When I finally get through, I spent over XXXX minutes with " XXXX ''. I explained XX/XX/XXXX to her and she checked and said my account was closed and called me confused. I explained the automated system did that. She stated that I had called after XXXX XXXX and that's why I was charged a late fee. I asked what it took to pay my account off and she said it would take {$330.00}. I also requested to be removed from the mailing list and receive something in writing stating my account was closed and I've been removed. She said I would. I never did and I continue to receive their catalogs every day. I also sent a message through their website which goes to comenity. Their response was I had an outstanding balance of {$4.00} for the month of XXXX and a {$2.00} finance charge was added. This was not true at all. The {$4.00} was a finance charge which I didn't understand because I closed the account before the due date 10 days. They say my account was already closed so they can't credit me any fees and they are continuing to add charges. My account is paperless so I was, in good faith, believing that my account was closed and that I owed nothing until I received an email in XXXX saying I needed to make a payment. As stated above, I recorded the conversation from XX/XX/XXXX because at that time I didn't trust them any more. I don't know how to attach that.
Product: Debt collection

I had a line of credit with Capital one. They sold the debt to a company, " XXXX XXXX XXXX  '' They reserved the right to sell or transfer the debt. However, they never updated the contract with me to them. I am in a written contract with Capital One. They never updated the contract, therefor the contract and debt is still attached to Capital one, XXXX XXXX XXXX  simply owns it. I am therefor not required to pay XXXX XXXX XXXX, Contractually, or legally. They are holding my credit hostage and do not feel that this is a fair arrangement to wait an additional 3 years for it to fall off my credit report.
Product: Credit reporting or other personal consumer reports

Someone tried to apply for a credit card in my name with Chase Bank. I contacted chase right away to let them know this was not me. They said they would not approve the card and remove the inquiry. this happened XXXX they still have not removed the inquiry and its XXXX XXXX. I have contacted chase XXXX
Product: Debt collection

I am getting daily phone calls from different numbers stating " You have an important message from XXXX  ( Cedars? ) [ hard to tell from message ] business services. This is a message from a debt collector. Please do not delete this message until you have called us back. XXXX '' [ number that called me is different each time but the message is the same ; call back number also changes ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXX Late Payments from XXXX XXXX XXXX XXXX XXXX XXXX from XXXX Personal Loan Late Payments from XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Credit card

XX/XX/XXXX/XX/XX/2016 Costco switched its credit card provider from XXXX XXXX to Citibank. As a XXXX member with a Costco XXXX XXXX, my credit card balance was transferred to a Citibank Visa card, and a Citibank Visa card account was opened in my name, without my authorization. I was not informed of the balance transfer until approximately two months after the change took effect. I was charged interest on an outstanding balance and a late payment fee. I requested a statement from Citibank to that I could see the itemized charges and dispute the late fees and interest charges since I was never informed of the change and therefore was completely unaware of the outstanding balance. Citibank never sent me a statement. Instead, they have called me 3-5 times a day, every day, during the night and during the day. Often at inconvenient times. I 've paid the outstanding balance in order to stop the constant harassment, but I 'd like to file a complaint to convey my frustration with this entire situation.
Product: Mortgage

The homeowner has been trying to get a loan modification since XXXX/XXXX/XXXX. During this time Washington Mutual stated that the application was lost, re-apply. During the period of XXXX/XXXX/XXXX WaMu was acquired by J.P Morgan Chase Bank , N.A . I have applied 3 times since with JP Morgan Chase only to be denied : without an explanation for the denial. 

On XXXX/XXXX/XXXX A notice of foreclosure was filed during a loan modification application, which began dual tracking against the homeowner. 

On XXXX XXXX, XXXX a Lawsuit was filed against WAMU and JP Morgan Chase for Recession. 

On XXXX XXXX, XXXX a decision was granted to homeowner for Recission in favor of the homeowner. Case number : XXXX vrs JP Morgan Chase XXXX XXXX. The Recission award was for {$90000.00} dollars. To this date I have not seen any account, nor was monies not received on behalf of homeowner. 

On XXXX/XXXX/XXXX the Court dismissed the above case without prejudice. I have not received any monies thus far. 

According to JP Morgan Chase the Principle Reduction was paid to XXXX account # XXXX : the homeowner is not aware whos account this is? 

A new Statement of Foreclosure was sent to homeowner of XXXX/XXXX/XXXX. 

The homeowner has ordered a XXXX and show strong evidence that the following possible violations exist : 1. Broken chain of title. 
2. No just standing 3. Gross fragmentation of the note to XXXX. 
The home owners XXXX audit produced in XXXX, XXXX also show strong known robo signer participation in XXXX documents and more. 
The Homeowner alleges the following investor, Master Trustee and servicers ; most likely know of the broken title and no just standing : but started the foreclosure process without just standing. The investor, Master Trustee and servicers include : : JP Morgan Chase Bank NA, This CFPB complaint includes : 1. LACK OF STANDING TO FORECLOSE ; 2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. RESCISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are incorrectly reporting on my credit file : XXXX  - Date Opened : XX/XX/XXXX ; Bal : XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Equifax ) ; Bal : XXXX
Product: Money transfer, virtual currency, or money service

so i had a Coinbase account from XXXX i used it alot as i was investing ang storing my savings on it using bitcoin, i had around XXXX $ on it. and at XXXX, they diabled my account, labeling it as it was " XXXX just temporarily '', then i contacted the support i told them about my problem but they didnt give me any solution, and from that day i kept sending tickets to the support team, day after day, but always they reply me by, CASE CLOSED, even if i have my money on it, they didnt give me access to my own funds which is basically an obvious fraud, since they can have access to it, and they didnt give me access to my own account, and untill now i still send them messages and tickets, but they either dont reply or they say again case closed, i seriously need my money back!
Product: Credit reporting or other personal consumer reports

Account was charged off and settled for less in XX/XX/year>. Still reporting as a charge off. Please remove.
Product: Debt collection

In late XX/XX/2021, i Received a letter dated XX/XX/2021 from XXXX XXXX Claiming to represent Commonwealth Financial Systems Inc. 
The letter alleged a debt which i do not owe. 
This collector is fraudulently attempting to collect debt I don't know by using coercive tactics. 
Commonwealth financial systems has reported the debt to the XXXX major credit bureaus without giving me an opportunity to respond within 30 days. 
As i file this complaint the 30 day period which is required by the law for me to respond to the letter has still not elapsed yet. 
i have already sent a letter of dispute to commonwealth financial systems inc., XXXX and XXXX and attached copies to this complaint. 
XXXX has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

XXXX has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

Both XXXX and XXXX and Commonwealth Financial Systems are in gross violation of my rights.
Product: Debt collection

I am submitting this complaint for account number XXXX. My patient reference number is XXXX. I received a letter from a debt collection agency regarding a bill that I have been paying to XXXX XXXX XXXX Hospital. I was never placed on a financial/payment plan with this company and never received a bill from this company until a month later ( Received XXXX bill in XXXX, XXXX bill in XXXX and etc ). Therefore ; I took the initiative and started paying on it before I received a bill to ensure that I did not encounter late fees. I have paid a total of {$120.00} on this bill ( XXXX/month ) because that was the amount that I was able to afford based on my other bills. I have never missed a monthly payment nor did I receive a certain amount that I would have to pay but my information was sent to the debt collection agency. I have the check numbers for the amounts I have already paid XXXX XXXX XXXX $ ( Check # XXXX ) XXXX XXXX XXXX $ ( Check # XXXX ) XXXX XXXX $ ( Check # XXXX ) XXXX XXXX XXXX $ ( Check # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN DEALING WITH SOME ISSUES REGARDING MY PERSONAL CREDIT REPORT FOR SEVERAL MONTHS AND I'M NOT GETTING MUCH HELP FROM THE CREDIT BUREAUS.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM XXXX XXXX XXXX PLEASE BLOCK THESE AS THEY ARE THE RESULT OF THAT XXXX  PURSUANT TO 605C OF FCRA. I AM ALSO A VICTIM OF DATA BREACH AND PREVIOUSLY IDENTITY THEFT
Product: Debt collection

This account shows on my credit from XXXX XXXX XXXX I have no knowledege of the debt, I asked for verification and validation and haven't received anything. 
I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Product: Credit card

I was solicited for a bonus offer from American Express. However upon application, I was instantly denied due to prior cancelled accounts. If Amex knew I would n't be approved sure to prior history, why am I being solicited in a deceptive manner. This seems very unfair and hurtful considering I was solicited directly by the company.
Product: Credit reporting or other personal consumer reports

TRANSUNION is illegally reporting private account information on their platform about me that has no permission from being shared. TRANSUNION must comply within 4 days by deleting the mentioned accounts from being reported on their platform or they will be mismanaging my security according the the SECURITIES EXCHANGE COMMISSION ( SEC ). These accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS MUST BE DELETED IMMEDIATELY WITHIN 4 DAYS OR TRANSUNION WILL BE REPORTING ILLEGAL INFORMATION. I have attached proof from these 4 companies that I have opted out of the sharing of my non public personal information including name, account number, and transaction history from being furnished to you, a non affiliated third party. PLEASE UPDATE the reporting of these accounts promptly or I will submit a TCR complaint with the SEC.
Product: Money transfer, virtual currency, or money service

I have XXXX Bank of America accounts ( Personal checking and personal saving ) and XXXX XXXX XXXX XXXX ( XXXX XXXX individual investor account and XXXX XXXX business investment account ). I am try to make an investment with the funds across accounts I have and as part of that, I am consolidating my funds in my BoA personal checking. But XXXX XXXX XXXX online platform and phone support won't let me ( e.g. there is no option to even select the XXXX account within the website ) move my cash from my XXXX account to my personal checking account. I am currently XXXX for an XXXX XXXX of time and while I understand the additional security requirements associated with that, that it is taking me over a week to move my money from my account without any adequate explanation from BoA is absolutely preposterous. I've submitted forms, had them rejected, resubmitted them, called multiple times in the past XXXX XXXX, and spent hours on the phone, only to be met with gross incompetence. Investment decisions don't wait XXXX XXXX XXXX, and unhelpful and ambiguous error messages ( e.g. : 'we 're experience errors, but we're working on resolving it ' ... what the XXXX is the error?! tell me how to resolve it! ) on BoA 's portal for my accounts and general customer support are useless. I will never recommend BoA to anyone and am considering closing all my accounts with them. Even the customer agents I spoke with acknowledge this is ridiculous.
Product: Debt collection

I'm unaware of this debt. I wasn't given an opportunity to to dispute this debt. didn't receive any proper notification in regards to this debt. This debt also violates the Hippa Law. If you feel you've given me and or sent me the proper notification regarding this debt please send me a certified copy of proper notification and receipt with my name on it and signature. also provide the following What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent
Product: Checking or savings account

My husband passed away on  XX/XX/XXXX , I went to Bank of America  2 w eeks later and gave them his  Death Certificate.  BOA immediately shut down his online banking and closed his BOA credit card. They told me nothing else could come in or out of his credit card. As stated when I got home on the online banking was longer available. Two days later  XXXX  was taken out of our joint account for the cc. Spent ov er 3 hou rs on the phone, it took several weeks until they resolved the issue and then put the money back into the account. This happened again i n  XX/XX/XXXX ,  XX/XX/XXXX , and now again in  XX/XX/XXXX .  Everytime they tell me they have resolved the issue and that it would not happen again. Today I spent and hour and 41 minutes on hold and talking with no results, but with a promise of a call with in 72 bu siness hours. They have said this before, but I always end up calling back and going through the whole routine again. Last time I threatened to call CFPB and the money was in my account  XXXX  in 12 h ours. That did not work this time. None of the other  XXXX  accounts were paid out of my his online banking except for BOA. Very strange?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XXXXXXXX Balance Owed : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$580.00} XXXX XXXXXXXX XXXX Balance Owed : {$6500.00} XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit card

My father ( credit card account holder ) passed away, and I am the executor of his estate. I notified the company ( Synchrony Bank ) of his passing on XX/XX/2024 ( two days after he died ), and asked for the final bill so that it could be paid from his estate. I was also told the account would no longer be active and would not be delinquent. 

After the final bill was not received, I again called Synchrony Bank on XX/XX/2024 and was told the final bill would be sent to my father 's address in 7-10 business days. Since no final bill was received, I called Synchrony Bank yet a third time on XX/XX/2024, to obtain the final bill, and was told the account was sent to collections. Synchrony Bank would not explain why the account was sent to collections after my notification of my dad 's passing, and despite my multiple calls seeking the final bill for payment - including that my prior call was about XXXX months ago. When I asked to be transferred to a supervisor, I was placed on hold for a long time and then Synchrony Bank hung up the call. Synchrony Bank refuses to assist me, and the collection company ( XXXX XXXX ) will not speak to me without me giving my personal information, which I refuse to do.