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

In XXXX I was by multiple bank employees that if I filed a scam ackowledgement form out that I was going to get the {$12000.00} back from a wire done from my account. when the wire was in process i tried to call bank of america to stop it. I called and was on hold until after the wire dept had closed. the next morning when they were opened they said there was nothing that I could do except file this case and wait for the money to come back from the other bank. This was XX/XX/XXXX on XX/XX/XXXX the bank actually finally filed the claim. They have continued to ( without my knowledge ) deny and refile the case. it was done again on XXXX by me when I faxed in more paperwork. they did not file this until XX/XX/XXXX. when they did file it they filed it wrong. On XX/XX/XXXX I spoke with a lady and she stated tha tshe was going to help rectify the situation ( finally ) she said that I MOST DEFINITELY would get the entire {$12000.00} back from Bank of America. She issued a credit to my account for {$5000.00} she said that I could call back and get another {$5000.00} the following monday. On the XXXX of XXXX I got in touch with yet another lady that confirmed what i had been told all along. It was denied and refiled again. I had no knowledge of this. Nor have I gotten written notices in the mail ( by law I am to get these notices ). This lady also credited my account {$5000.00} she stated it was definite that I would still be getting {$2500.00} that was OWED to me. I called back a couple days later and a rude lady stated " watch this '' and she put a negative {$10000.00} hold on my account, because and I quote, " because in my opinion this is wrong '' Ive had to endure more hardships over this money than I ever care to again. after TONS of calls to the bank to resolve this I ; ve learned that bank of america tries to word things on their recorded lines tio make the consumer slip up and say something that they do not mean or understand. Once the consumer has saidd this in a recorded line, Bank of America will deny all claims for that person. They are in breach of contract via the user agreement. I have been rudely hung up on, told to just tought it out, all kinds of nasty things no human should have to deal with. Their Chief Customer Relations Executive called me, left me on hold for over 1 hour 20 minutes connecting me to the fraud dept, when they finally picked up XXXX XXXX had left for the day ( this is who called me ). they are constantly badgering me, bullying me, and discriminating against me because I am a veteran. they will vehemetly deny the ladder of course. however, I have it recorded on my phone.There are many more things they do in the shadows that need to see the light of day
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

I have been the victim of identity fraud and my personal and financial information was compromised. There have been a series of unauthorized charges on my credit cards and withdrawals from my bank accounts in the form of cash advances that I am still trying to remedy. I have filed a report with the local authorities and FTC, am receiving support from XXXX XXXX XXXX, initiated credit freezes and have tried laboriously to reach resolution on the claims with each of my financial institutions. My Bank of America credit card still shows a balance of XXXX {$40000.00}, the majority of which is all fraudulent activity that has not been taken off. Bank of America mistakenly denied my claim because of errors inputted into their systems and incorrect / missing information to actually submit the claim. I have called the banks numerous times on a daily basis to get this resolved to little or no success. XXXX XXXX still shows excessive balances as well that have not been corrected. This has caused extreme impacts to my XXXX XXXX and XXXX XXXX   and I have not been able to support myself given the amount of this activity and the corresponding fees from each fraudulent charge.
Product: Checking or savings account

I closed an account with  CIT  bank in  XX/XX/XXXX which I had used to keep funds after the sale of my home a couple of years earlier . CIT ba nk did not send me my tax forms for  XXXX  until   XX/XX/XXXX   after I had already filed my  XXXX  taxes. They had emailed me information regarding the forms in previous years but ceased all email communication after I closed my account. I updated my banking information across multiple banks  which I used after the sale of my home and all banks except CIT mailed me the forms to my proper, new address. When I contacted CIT they stated they monitored all communication and stated I never contacted and never updated my address them which is not true. I am now facing a costly amendment process to my taxes.
Product: Mortgage

Servicer refuses to acknowledge a XXXX XXXX XXXX exempted assumption. Ability to repay or not has no bearing on XXXX  assumption and XXXX or the servicer can not deny a XXXX  assumption for ATR or creditworthiness. They are either unaware that their policy is illegal, not following their own procedures or purposely disregarding both. 

12 CFR Part 1026 Regulation Z interpretation : " the creditors written acknowledgement of the successor as obligor is not subject to the Bureaus Ability-to-Repay Rule ( ATR Rule ), 1026.43, because such a transaction does not constitute an assumption as defined by Regulation Z 1026.20 ( b ) '' " Unless the change satisfies the definition of an assumption under 1026.20 ( b ), a change of obligors does not trigger the ATR requirements under 1026.43. " https :  //www.federalregister.gov/documents/2014/07/17/2014-16780/application-of-regulation-zs-ability-to-repay-rule-to-certain-situations-involving
Product: Credit reporting, credit repair services, or other personal consumer reports

DECLARED BANKRUPTCY IN XX/XX/2021 AND THE CREDIT REPORT AGENCY ARE SHOWING DELINQUENT AND STILL OWES WHEN TRYING TO GET CREDIT BUILDER CARDS AND REPORTING STUFF INCLUDED IN THE BANKRUPTCY THEY ARE TARGETING ONLY PEOPLE THAT HAVE DONE IT PRO BONO. ATTORNEY HAS HAVE SIMILAR CASES AND TOLD ME TO REPORT. IN XXXX FEDERAL COURTS DISCARDED. THEY HAVE RECEIVED COPIES AND REFUSE TO ADHERE TO FEDERAL GUIDELINES
Product: Credit card

I was trying to make a purchase at a merchant and i received a text message during the purchase asking me if the purchase was fraud i misread the text and thought it was asking me if i was making the purchase so i replied with Y and after rereading the text for a second time when the purchase did not go through i saw that it was asking me if it was fraud rather then if I was making the purchase so they put a block on the merchant. So I called to let them know that I accidentally replied to the fraud text with a Y rather N and that the purchase was not fraud it was me trying to make the purchase. The first lady I spoke to then said she understood and told me she would remove the hold from that merchant. So after I got off the phone I went and tried to make a purchase with the merchant again and yet again I got failed attempt because the card holder blocked the purchase. So I called them back again and asked why I still am unable to make purchases with this merchant. And the man I spoke to told me that now their system has flagged the purchase from this merchant and that there was nothing they could do and I would not be able to make purchases from this merchant. I asked why because I am telling you it is me trying to make this purchase there should be no security issues and I was told there was nothing he could do. So I asked to speak to a manager and XXXX came on the line and I explained my situation to her and again she told me their system has flagged the merchant and their was nothing they could do. I asked why when I just called to verify it was me making the purchase would their system flag the purchase the very next time I tried. And got no response to that question. And when I asked who I needed to speak to so that I am able to make purchases from this merchant I was told there was nothing they could do. And I said I have already made one purchase to this merchant and it posted to my account. I accidentally replied Y instead of N to the text message and called to clear that up now your telling me after I called and you removed the block that your system has flagged the purchase and now there is nothing that you or anyone can do? I just will never be able to make purchases from this merchant? She replied with im sorry but there is nothing we can do. I asked should I call XXXX would they be able to remove the block and was told no that no one can. I said that is absolutely ridiculous and I couldn't believe that after calling and verifying it was indeed me trying to make the purchase that the very next transaction your system blocked it for fraud even though I had just called. I said that was bogus and something needs to fixed. And now I am filing a complaint with you to help me get my purchases with this merchant allowed and their flawed system fixed. Because if I call and tell them it is me trying to make the purchase that should be enough for them to allow the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are not doing their jobs. They say I have three charge offs or 30 days past due. Incorrect information on my credit file, I have been fighting these on ym credit for years and these agencies do nothing when I call in and XXXX will not even give me my credit report, they have cost me two jobs, I want it to stop. XXXX  XXXX XXXX is reporting that I have been 30 days late, that is not true and my account ahs not been with them for over a year. XXXX XXXX are scam artists, I paid on that loan for 4 years and it never went down, they can not even show me my original loan papers I did not agree to those terms of the loan and they never told me ti was a second mortgage, the loan ahs been sold several times. I have no paperwork, it has been over 13 years on my credit originated in XX/XX/2006. This should be off of my credit. XXXX XXXX is reporting 30 days late, I ahve never been late. XXXX XXXX/ XXXX , I woe them nothing, I ahd insurance and the phone shuld have been paid off, XXXX  balance. I have a {$28.00} charge from XXXX XXXX, I owe them nothing. I have a medical bill for {$150.00}, I owe them nothing, I now nothing of this bill. All of these credit reproting agencies I ahve disputed all of these items and thye still kept them on my credit and did nothing. They deny me a credit report even after the job did not hire me or I was denied credit. I ahve another company looking in to a background check and a credit chck on me right now. It is ntof air, If I can not work how XXXX I ever pay anything. This seems like ti is very bias towards certain people. XXXX  is horrible and needs to be fined. I can not get a report from any of them..I can not even file a dispute..
Product: Credit card

Subject : Request to Waive Late Fees and Interest Charges Due to Payment System Glitch I am writing to bring to your attention a concerning issue I recently experienced with my American Express credit cards, specifically XXXX XXXXXXXX and XXXX XXXXXXXX. I believe that a payment system glitch on Amex 's end led to a delay in my first payment, resulting in late fees and interest charges that I consider unfair. 

On both cards, the first statement was due on XX/XX/2023. I made the payments on XX/XX/2023, which was two days late. This delay was primarily caused by the following issues : 1. Autopay Setup Glitch : On XX/XX/2023, I set up autopay for both of my accounts. I received a confirmation email indicating that the autopay had been successfully set up. However, when I checked my account on XX/XX/2023, I discovered that the autopay information was missing. As a result, I had to manually set up the payment and make the late payment on that day. 

2. Online Payment System Error : Before the due date, I repeatedly attempted to make online payments, but I encountered an error message stating, " Your account is not eligible for online payments. '' I initially assumed this was due to having autopay set up ; however, this error prevented me from making payments before the due date. 

It is crucial to note that I initiated the payment on XX/XX/2023, Pacific Standard Time ( PST ). Although it reflects as XX/XX/2023, on Amex 's end due to the Mountain Standard Time ( MST ) used, it is only a two-day delay from the original due date of XX/XX/2023. 

I believe that the late fees and interest charges incurred as a result of this situation are unfair, as I acted promptly upon discovering the issues. Therefore, I kindly request that American Express consider waiving the following charges on XXXX XXXX and XXXX XXXX : 1. Late fee of {$29.00}, charged on XX/XX/2023. 
2. Interest charges of {$60.00} on XXXX XXXX and {$22.00} on XXXX XXXX, charged on XX/XX/2023. 

I have attached relevant documentation and records for your reference, including confirmation emails, payment details, and any additional information that may be useful in resolving this matter. 

Thank you for your assistance in addressing this concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not protect my identity properly and now has exposed my personal identity to public records. My life is now in shambles.
Product: Debt collection

I HAVE NO KNOWLEDGE XXXX THESE ACCOUNTS ON MY CRA 'S REPORTS-COLLECTIONS-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

My account with XXXX is still reflecting negative remarks on my credit report with all XXXX credit bureurs when I was covered under the XXXX outbreak. No one has responded to any of my letters and now I am being forced to result to CFPB. 

According to 15 U.S Codes : 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
Product: Checking or savings account

I responded to HSBC 's promotion and opened an HSBC Advance Checking account in XXXX of 2019. Received an email that they processed my opening deposit on XX/XX/19. The promo stated that I had to keep the funds in for 90 days. Then, HSBC would take " up to an additional 8 weeks '' to deposit the {$350.00} bonus amount. So, the timeline would take us to end of XXXX 2019. I called and emailed in XXXX. Nothing happened. I called an additional 3 times and emailed in XXXX and XXXX. The bonus should've been deposited by XX/XX/19!! I spoke to several people including supervisors. The names are XXXX, XXXX ( supervisor ), XXXX ( supervisor ) and today on XX/XX/19 XXXX. All emails responses and all phone calls ( which lasted about 45 min. each ) rendered absolutely no resolution OR timing. In fact ( and these calls should all be recorded and verifiable ). I was told that the Marketing Dept. was responsible for the Bonus but they were not allowed to contact them nor was a customer. Here I sit as a very frustrated and psychologically abused customer with no idea when or if my funds will be available. It's been an additional 6 weeks on top of the 90 days + 8 weeks. Each of the email responses I received within my HSBC account website states that their " Management Team '' is working on it and needs more time. MORE TIME? This is a simple digital and electronic transaction. What is their " Management Team '' actually working on. Really! Were they " all '' hit by a bus. This offer was completely misrepresented and fraudulent. They seem to keep the customer in a black hole while they maximize their float income and take advantage of their customer. Unable to contact anyone at the organization with any authority to resolve this AND THEY stated that there is no one else I can contact. It's now about 6+ months waiting while I earn about .01 % which I did not see in any fine print! Is this blatant manipulation of the customer so HSBC can squeeze every last penny by delaying any contractually required payment. Total misrepresentation and pathetic customer service which HSBC claims in World Class!  How do any of the regulators let them get away with any of this. Help me understand why with all the noise about more and stringent banking regulations to protect the depositors, I still can't get any resolution, timing or speak to anyone with authority!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, I entered a written dispute with XXXXXXXX XXXX XXXX XXXXXXXX XXXX account number XXXX ( balance reported - {$11000.00} ) as contained on my consumer credit profile at Equifax, XXXX and XXXX XXXX. Specifically alleged, XXXXXXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. XXXXXXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. A review of records compiled by the state Division of Financial Services in Florida indicates that XXXXXXXX XXXX XXXX XXXXXXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to Equifax, XXXX and XXXX XXXX is an unfair and deceptive trade practice. Several phone calls to XXXXXXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my Equifax, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} 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, credit repair services, or other personal consumer reports

It was a garanteed student loan for less then {$1500.00}. I paid for classes and books at XXXX XXXX ny but was not able to attend classes due to no daycare available in XXXX for my child. This has been on my report for over 30 plus years and I owe over {$30000.00} showing. I also have not received my taxes since XXXX due to nys higher education taking my taxes each year for this student loan. I want it off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  stated that this account would be corrected and or removed from my credit report. It has been 60 days and the incorrect information is still on my credit report. It has been over 7 years.