23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

BANK OF AMERICA HAS BEEN MISLEADING, ELECTRONICALLY TRANSFERRED {$500.00} FROM MY ACCOUNT AT ANOTHER FINANCIAL INSTITUTION, AND HAS NOT RETURNED THE FUNDS On XX/XX/2020, I opened a consumer banking account at Bank of America. I received an email from Bank of America, confirming the account was approved ( attached here for reference ). In order to fund the account, I set up two transfers from my other financial institution : one for {$250.00} to the new Bank of America checking account, and one for {$250.00} to the new Bank of America savings account. 

On XX/XX/2020 my original account showed the two deductions of {$250.00}, total of {$500.00} was transferred to Bank of America. 

On XX/XX/2020, I received my new Bank of America debit card. Also that day, my new Bank of America app showed my account was locked, and provided a phone number to call. I called the number and the Bank of America representative informed me that the account was closed for possible fraud and instructed me to go to a branch in person with two forms of id. This was alarming because 1 ) FRAUD -!?!? and 2 ) I am avoiding in person contact during the pandemic. 

On XX/XX/2020, I went to the Bank of America branch at XXXX XXXX XXXX, XXXX. The representative had me call the fraud line. That person informed me that 100 % of accounts are able to be opened online, but then they get closed because you must go in person with two forms of id. I asked the rep these questions but they had no response : WHY IS BANK OF AMERICA ENABLING ONLINE ACCOUNT OPENING IF IT IS GOING TO BE CLOSING THE ACCOUNT? WHY WOULD I BE ISSUED AN EMAIL FROM BANK OF AMERICA STATING THAT THE ACCOUNT IS APPROVED? 
The rep told me that I must open a new account, deposit money, and destroy the card I was sent because another new card must be issued for the new account. The rep told me that two checks for {$250.00} each were sent to me on XX/XX/XXXX. 
WHY WERENT THE FUNDS RETURNED IN THE MANNER THEY WERE RECEIVED : ELECTRONICALLY? 

Because of this excruciating experience, I decided not to open another account at Bank of America. 

On XX/XX/2020, I received 3 separate pieces of mail from Bank of America : a letter welcoming my business and congratulating me on my new bank of america relationship a letter informing me that the checking account was closed and I was not to bank with Bank of America a letter informing me that the savings account was closed and I was not to continue banking with Bank of America I DID NOT RECEIVE {$500.00}! 

On XX/XX/2020 I called Bank of America. XXXX told me that two cashiers checks were mailed to me on XX/XX/2020 for {$250.00} each and there was nothing further to be done. I asked to escalate. He tried for 1 hour, and then transferred me to his Supervisor XXXX. XXXX said same thing he had, then transferred me to XXXX at the Escalations Department of Bank of America. XXXX told me the account was briefly active but closed and they no longer have the funds because they issued and mailed cashiers checks. She said there was nothing further to do, the checks are in the mail
Product: Credit reporting

My ex-husband remarried and his new wife 's name is XXXX XXXX XXXX. They lived in the same house he and I lived in 6 years ago. For the past 2+ years Equifax has been allowing her negative accounts to go onto my credit report. I have contacted them numerous times about making the companies provide the middle name and social before placing on my report. They keep telling me to file dispute after dispute and contact said companies myself. I was under the impression that credit reports were secure and no one else would have access to my information. Equifax is the only XXXX of the XXXX companies that allow inaccurate information on my report. I am also worried that my account information is being placed on her report giving her access to my financial information. Is there any action I can take to force them to stop allowing the erroneous information on my credit report?
Product: Checking or savings account

I was a Peoples United Bank customer whose account was transitioned to M & T Bank. On XXXX Peoples United processed two fund transfers ( Bank to Bank ) - one for {$750.00} and another for {$370.00}. These funds still have not been deposited to my Credit Union bank account. Also on XXXX there was another bank to bank transfer initiated from my Credit Union to M & T Bank in the amount of {$750.00}. These funds were withdrawn from my account and not deposited. I can not access {$1800.00} of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported unknown and unauthorized enquirers on my report those are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

M & T locked my account for no reason. I can't access MY OWN FUNDS. I submitted my license. Calling them did nothing.
Product: Mortgage

Better.com advertises a {$100.00} rate match guarantee. They state that if they match another competitor 's rate within one business day of a loan estimate, they will credit you {$100.00} or give you {$100.00} if they can't beat it. The exact wording found at https : //better.com/faq/better-guarantee/whats-the-better-price-guarantee is as follows : " What's the Better Price Guarantee? 

We'll match any valid competitor 's offer, and credit you an extra {$100.00}. If we can't, the {$100.00} is yours to keep. 

If you think another lender has a more competitive price, just send us their loan estimate within one business day from the date it was issued. Well either do better by at least {$100.00}, or send that {$100.00} to you ; you win either way. '' I followed the process and was in contact with a XXXX XXXX who answered my initial email sent to XXXX. She tied in a representative at XXXX, who said that they were unable to beat the rate I was quoted by XXXX within the one business day requirement. After being unable to match the rate, I've replied numerous times inquiring about what my next step is to claim the {$100.00} to XXXX, address to the original XXXX XXXX, and XXXX.
Product: Credit card or prepaid card

I disputed an XXXX charge ( it was double charged ) on my BofA XXXX. The bank said after their research both charges were valid. That is incorrect. BofA did not do sufficient research to protect their customer
Product: Debt collection

CEASE AND DESIST XX/XX/year> RE : XXXX TO WHOM MAY CONCERN : WITH THIS LETTER I HEREBY REQUEST THAT YOU CEASE AND DESIST ANY AND ALL TELEPHONE CALLS, PLEASE PUT ANY ATTEMPTS TO COLLECT ON THE ABOVE REFERENCED ACCOUNT IN WRITING. 
YOU ARE HEREBY INSTRUCTED TO CEASE ALL COLLECTION EFFORTS IMMEDIATELY OR FACE LEGAL SANCTIONS UNDER THE FEDERAL FAIR DEBT COLLECTIONS PRACTICES ACT.15 USC . SECTION 1692c AND 1692k. WHICH IS INCORPORATEDAND MADE APPLICABLE TO CREDITORS LIKE YOUR COMPANY BY THE XXXXXXXX XXXX PRACTICES ACT, CALIFORNIA CIVIL CODE SECTION 1788.17.

PLEASE MARK YOU FILES ACCORDINGLY.

THANK YOU IN ADVANCE FOR Y
OUR ANTICIPATED COOPERATION IN THIS MATTER.

SICERENLY.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer. I have requested verification and validation of these fraudulent accounts from Transunion and the companies in question and have yet to receive anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX  XXXX Balance Owed : {$6600.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$8200.00}.
Product: Credit card

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 take 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: Student loan

Nelnet did not generate an XXXX statement and was unresponsive when I requested the XXXX statement. I have been showing late every month despite paying my loan. I have been unable to obtain a response from Nelnet on why payments are not being applied properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report on Equifax and XXXX  incorrectly. They have reported the amount owed as the same for 8 months at XXXX. I owe them XXXX. They added XXXX on to this account which at this point should be paid off because interest free for 12 months was not explained correctly. They do not apply payments correctly and continue to report incorrectly I have emailed them numerous times on this. I have filed with Equifax and XXXX disputes and nothing has been fixed. I have paid XXXX XXXX XXXX out of the XXXX owed. Before they added XXXX I had paid them XXXX out of the XXXX then they added on. If all of that was going to be added I would have paid off immediately. I thought the interest would have only been added on the XXXX owed. Account # XXXX. Yet they continue to over and over to say they will look into, yet do nothing, report incorrectly and damage my credit and this is the only account on my credit report that does not report on time has damaged credit and I can never get a straight answer on
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items XXXX not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

To whom this may concern ; We were on the plan with US Bank, that allowed us to go 12 months without payment due to COVID relief ; which helped tremendously due to having young school age children being taught at home and reduced hours. Once the plan was ending in XX/XX/XXXX, we called US bank to discuss arrangements to move forward. We spoke to several representatives that advised us that the plan was still active, and that we have to wait until the plan was removed from the account. After calling multiple times, and being told to call back. The plan was finally cleared early XXXX, I called and spoke with a representative who automatically placed me on a partial claim, After receiving and looking over the documentation I realized that I did not agree to that. So, I called back and spoke with another representative who advised me that I would have to wait, for XXXX bus days for it to be removed and can call back to be reviewed for another plan. So, I called back again and was advised that I would have to call back in 10-15 bus days, as it was not cleared as of yet. So, after calling back a few times, the program was finally cleared- and we could be review again. The representative advised that I qualified for a Modification, and advised that it would go into effect on XX/XX/XXXX. Once I received the Modification agreement which is scheduled to go into effect on XX/XX/XXXX. After looking at the documentation, I noticed that there is a partial claim that was not discussed during our conversation with the representative when we agreed to accept the modification around the end of XXXX. We were advised that the default amount of {$26000.00} was going to be capitalized at the end of the loan. 

So, we called today XX/XX/XXXX to discuss this issue, and was advised by the representative if we do not like the modification to request that it be cancelled, since it can not be amended in order to be reviewed for all of the modifications available to me that we would have to send an email to cancel the modification with the partial claim program. Trying to get back on track with US Bank has become an extremely frustrating ordeal. None of the representatives are consistent with the information that has been provided. 

The initial agreement we were placed on was also a partial claim, and we specifically advised that we did not want a partial claim ; due to if the property is sold in the future that amount would become due an owing. 

We need to speak with someone with the knowledge and expertise to ACTUALLY ASSIST US with this matter, and we are not getting any results.
Product: Credit card or prepaid card

PNC is such a fraudulent organization, they told me that me my account balance would be restored by XX/XX/20. They have hundreds of cases like mine where they have decided to temporarily credit the account while investigating the charges. 

They have advertised " zero fraud liability '' and have also advertised a temporary credit no later than 10 business days from the day that I disputed the charges. 

10 days have come and went, and my account balance states that I have {$15000.00} available to spend as of XX/XX/20, but they will not allow me to spend any of the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collections on my credit report from XXXX XXXX XXXX which they are unable to verify. I sent the letter stating they can not verify these collection debts are mine. Experian still reporting on my credit report after I demanded it taken off my credit which is a FDCPA violation of my rights.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX University was notified that they were included in my Chapter XXXX Bankruptcy. They contacted me during this process which my lawyer advised them that they could not collect this debt. Once my BK was discharged in XX/XX/XXXX they continued to still contact me and I had sent them the list of creditors and copy of BK discharge, they sold the debt to a collection company and I supplied the old collection company with the same info and it seemed to stop. But on XX/XX/XXXX I  received a letter stating that I owed XXXX XXXX {$3500.00} to them and my debt has been placed with Account Control Technology , Inc . I dont know what else I can do to show them this debt was discharged and I do not owe it. As stated my attorney explained all this to them several times and has sent them letters. 

I have worked really hard to repair my credit and I do not want this to hit my credit report and lower my XXXX fico score. I am going to try to purchase a house next year and I am watching it closely.
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  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 or other personal consumer reports

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED XXXX INACCUARATELY REPORTING LATE PAYMENTS FROM MY STATE EMPLOYEES CREDIT UNION ACCOUNT. I CONTACTED XXXX AND ADVISED THEM OF THE ERRORS. 

I HAVE REQUESTED PROPER VERFICATION TO VALIDATE THESE LATE PAYMENTS. 
ACCORDING TO THE FCRA, SPECIFICALLY REGARDING BILLING ERRORS 15 USC 1666B STATE, THE CREDITOR HAS TO SEND A STATEMENT XXXX  DAYS PRIOR, AND UNDER A OPEN END CONSUMER CREDIT PLAN A PAYMENT CAN NOT BE CONSIDERED LATE FOR ANY REASON. 

I HAVE REQUESTED PROOF, A COPY OF THE CREDITORS BANK RECORDS, OR PROPER PROCUDE TO ENSURE THE ACCURACY OF INFORMATION BEING FURNISHED TO MY ACCOUNT WHICH IS STATED IN 15 USC 1681 ( E ) B.
Product: Mortgage

message sent to XXXX XXXX XX/XX/year> with attachment XX/XX/year> ticket number XXXX & XXXX XX/XX/year> sent correct XXXX payment message again XX/XX/year> message to request XXXX fix error XX/XX/year> sent message again since XX/XX/year> customer service tole me they will fix within XXXX days. 
they never fix the wrong amount. 
and XXXX, they send me amount past due & late fee correct MONTHLY amount should be {$150.00} but XXXX charge me {$160.00} XXXX filed bankruptcy, for my solar leasing program has been transferred to XXXX XXXX ( XXXX XXXX ), 3rd party send me wrong amount but never fix their error. I am so frustrated to email/call customer service. phone call need to wait XXXX & XXXX hours every time. messages - they never reply PLEASE HELP. 

CONSUMER XXXX XXXX
Product: Debt collection

Coast Professionals INC is trying to collect in the amount of XXXX from me however I have no contract with this collection agency and do not owe them anything. Also the loan that I had with my school does not build interest and I paid down on the loan. The amount that coast is requesting is false and I do not owe Coast Professionals anything. Also they are contacting me via mail where I have never given them my mailing or live in address.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts listed below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX15 USC 1681Section 602A : States I have a right to privacy. 15 USC 1681 sect. 604A : It also states a consumer reporting agency can not furnish a account with out my written instruction. 15 USC 1681c ( 9 ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other diverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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: Mortgage

I had a loan modification in XXXX  on the primary loan with my mortgage company. I had received no assistance from the mortgage service provider Until I had to retain counsel to negotiate a modification. I had a 1st and 2nd loan with the same company but only the first was modified. The loan modification was for 7 years interest only with 20k+ plus added back into the 1st mortgage principal balance. Ill in received was a document breaking the cost and payment of the modification nothing else. I tired for several years after XXXX to have the 2nd modified but to no avail. It has now been almost 4 years since the modification was completed and we have made on time payments for the duration of the modification. With interest rates low, we tried to refinance our 1st mortgage. The second organs did no longer show on credit or on the load serviced website. When trying to refinance, a lien showed for the second mortgage but showed it was foreclosed. I havent received any documentation showing a foreclosure that happened in XXXX of XXXXNo documents have been recorded with the county recorder either. When trying to pay the lien to refinance, the current mortgage provider cant produce any documents showing who it needs to be paid to or wont remove the the lien.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Checking or savings account

Please visit this link for a detailed report : https : XXXX I have paperwork from Bank Manager XXXX XXXX that overdraft attempts will not be permitted on my checking account, yet they try to ram them through anyway. Please make them stop their illegal activity. XXXX is trying to charge without consent ( they are only allowed to use debt card, & only when I request the transaction, not 'automated ach ' or 'recurring scheduled payment ' things ), and Rabobank keeps letting them try to overcharge, which violates the 'Overdraft Protection Act Of 2013 ( H.R. 1261 ) & various other laws. XXXX is essentially trying to steal about {$380.00} from me this way, & Rabobank about {$170.00} in fake 'overdraft fees ', total about {$550.00}. Unfortunately your complaint form deletes return spaces between paragraphs, making things into 'annoyingly unreadable monoliths ', which makes them harder to read & understand, so I have posted the complaint online with additional details ( which will be updated as new information is available ) at this web address. Please visit this link to read the complaint details : https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Coamerica bank FCRA violations not mine XXXX