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

I'm a transitioning union bank member, to US Bank.As union bank members, we have been all being lied to, about that refunds put on our old card get automatically transfered to new card.As most people called to ask this specific question before a activating new card, as I did and was told flawless transfer of funds from old card to new.I called on XX/XX/XXXX, before activating new card.Yesterday I talked to US bank fraud department and am told there is no automatic funds tranfer between cards, and reason my refunds, from XX/XX/XXXX, For {$26.00}, and {$7.00} on XX/XX/XXXX, that us bank has no knowledge of, from XXXX. 
I've talked to around 40 costumer service people, at us bank, all telling me the lie. 
Also person in fraud department, told me funds put on old cards, have undetermined time were funds might be available. 
As us bank costumer service tells you to call merchant, to dispute.After talking to fraud department, was transferred by fraud supervisor to regular costumer service, who I told about what I just learned. 
She was sick to her stomach knowing she had been directed by Us bank to respond to the old card question, and she admitted that many union bank transitioners keep calling wondering were funds are.I have cought this bank in over XXXX lies in my short time with them.so much more to say. So Us bank bald face lieing to costumers to entrap funds for undetermined time.All other union bank transitioners should and need know truth, so to get store credit, instead of funds going into limbo.
Product: Prepaid card

Netspend sent a ready to activate card in the mail making it seem like either my identity was stolen, or I applied for something, which I didnt. When you call customer service the only options are to report a stolen card or put the card number in, which Im guessing might activate the card but I dont know, because Im not about to try. The language on the paperwork makes it seem like one already has an account. Thats misleading. If they are truly opening an account in ones name, thats just fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred funds from my XXXX XXXX acount to XXXX. A few hours later on the same day I decided to cancel the transfer. XXXX still took the funds off my XXXX account but never credited them on my XXXX account. 
I have contacted XXXX daily and, after waiting on hold for XXXX mins daily, they don't know where the money, keep telling me they will fix it in a day or two and its been 21 days now. 
Total nightmare, worse institution I've ever dealt with, doesn't sound like a real bank, sounds like a scam!
Product: Debt collection

Hello, I sent verification letters to both the creditor and the collections company that they sold the debt to. Neither of them have verified the account to be mine. Both companies have not submitted a signed contract that legally binds me to the debt question. The collections company sent me statements of the account in question in response to my verification letter. I have copies of the letters and certified mail receipts that my requests has been received by their company. The last letter I sent I explained that I intended to file suit for non compliance. I never once denied paying them. I wanted to show me proof that the debt is in fact mine for exchange of financial obligation. This is unlawful and falls under Consumer Protection afforded by the FDCPA under FDCPA Section 809 ( b ), XXXX opinion letter Cass from XXXX. I will file suite in my XXXX to make sure that this does not happen to others.. 

Creditor : Capital one Collection Company : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 15 derogatory accounts and 14 inquiries on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX On XX/XX/XXXX I made a claim to you and sent a letter that I will attach below. I looked at my report and noticed one of the accounts mentioned in said claim in XXXX XXXX XXXXXXXX account number XXXX is still the same, and according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. They checked but did not fix what was requested in my claim. 
I am attaching the Dispute Results sent by them on XX/XX/XXXX. 

XX/XX/XXXX To whom it may concern, On day XX/XX/XXXX, I looked at my report, I sent a letter to Experian on day XX/XX/XXXX, asking them to reinvestigate these accounts : XXXX XXXX  XXXX # XXXX, XXXX, and here is my tracking number ; XXXX on day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same, and according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) in general If, after any reinvestigation under paragraph ( 1 ) 0f any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer EXPERIAN . 
And according to 15 USC 1681eb they are supposed to ensure this 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors. 
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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigate. They lied on an official document saying they did something they did not do and I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

Last year, I found XXXX fraud accounts in my credit report. They were all late and had outstanding balances, but I have never applied for these credit cards. I called these companies few times to inform them what is going on, but one of them said they can not proceed with my claim because they were " unable to verify my identity '', " everything is showing accurate '', and " I need to contact my credit bureaus in this case. '' I did contacted XXXX, XXXX, and Transunion, and they told me to submit XXXX report which I did. I first submitted XXXX report back in XXXX of XXXX, and until now, when I submit XXXX report, all the results are coming back with " these are accurate information. '' I even contacted these creditors to request the actual application and whatever documents they received, but I never received any letters from them except for the dispute case result letter saying " this is correct information. '' I even requested credit bureaus and requested to send me whatever they received from creditors proving that these are my accounts. However, since XXXX of XXXX, until now, they never sent me any proof from creditors. My credit score is severely damaged, and the representative told me to pay for it, and they will refund me once the dispute case is finishes. I can't understand why do I have to pay for something that I have never applied for or never used it. I have been asking my credit bureaus to help me, but all they say is " we just do what we receive from creditors. '' Of course, these creditors would want this account to be factual because they need someone to pay the balance. At least credit bureaus should have stand up for me because I am paying them monthly membership fee to protect and help me. Until now, none of them helped me or showed any efforts.
Product: Credit card or prepaid card

I used my Bank of America XXXX XXXX card to book travel for 3 people through the Bank of America XXXX XXXX. Travel dates were in XX/XX/XXXX and travel could not be completed due to Pandemic. 

I was told by the Bank of America XXXX XXXX that I could use the credit toward a future flight with the same airline. I was also told later that I could have the amount fully refunded per the XXXX 's policy. 

However, since the pandemic Bank of America has kept their XXXX XXXX completely understaffed and every call to try to use the credit winds up in 3-5 hour wait. There is no option to use the credit online. 

After many calls, I was able to use a small amount of the credit on one out of 3 tickets to book travel back in XXXX and I was told i could use the remainder of that credit at a later date and that the two other tickets could still be used in full or refunded. This is shown in Bank of America XXXX XXXX XXXX notes as verified by multiple agents yet they have failed to honor it. 

I have tried on multiple occasions to use or refund the credits. However, after holding for 3+ hours each time to get an agent and then being put on hold by that agent for another 3+ hours no one has resolved this matter. No one has even given me a straight answer. I've waited on hold for over 20 hours in total with their travel center, the last time I waited for so long that it was past midnight and the agent who was " helping me '' never came back to the phone. 

I have been told multiple times after holding for 3+ hours that a supervisor is needed and they will call me back and then they don't. And the loop starts over. 

Every follow up is another 3-5 hours of waiting for someone who can not resolve this issue. It appears to be intentful from Bank of America XXXX XXXX card to make it near impossible for consumers to get a refund or use their travel credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've dispued these accounts for the pass year. I've sent all the information they asked and the negitive information is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute about a bankruptcy showing up on my credit report inaccurately. I got a letter back from Experian and XXXX on XX/XX/XXXX saying that it was verified as accurate from XXXX. 

I find this hard to believe as the only person who can legally verify this item would be the person or instution with first hand knowledge in this case the bankruptcy court itself. 

I have documentation from the court house saying they do not verify records with any 3rd parties or credit bureaus. ( see attached letter ) Not only that under the FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) concerning 3rd parties or anyone pertaining to this particular situation I would have to give written consent and permission for them to report this on my credit file.. I have not consented to anyone posting this subterfuge. Not only is this information inaccurately reporting.. It is ILLEGALLY reporting. 

So I disputed with the credit bureaus again on XX/XX/XXXX exercising my rights under the FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate and verify this item. They have not respond and it has now been over 45 days. 

According to the FCRA in order for Credit Bureaus to report information on my file it MUST be 100 % Accurate and True. 

This inaccurate bankruptcy showing up on my credit report has caused me pain and suffering and has prevented me from obtaining credit to make a living for my family. 

I demand direct proof of the accuracy of this Account according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my credit report according to FCRA, Section 609 a ( 2 ). 

Thank you.
Product: Checking or savings account

I ( XXXX XXXX ) had given XXXX XXXX a check for {$14000.00} ( in her name ) for her services rendered - in the same manner and capacity that we have always paid her for the past 15 years. This check was given to her in XX/XX/2018. XXXX XXXX then gave the check to her business partner owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then did a mobile deposit of that particular check in her Bank of America Account . See attached Bank of America statement ( doc5 ) showing, credit given for the amount ( on XX/XX/2018 for {$14000.00} ) and also see attached cashed/cancelled check - the money left my account on XX/XX/2018. Then, on XX/XX/2018, Bank of America reversed the credit for the funds, called it 'debit adjustment ' and claimed to have sent a letter to the original sending bank - my XXXX XXXX XXXX XXXX Checking Account. All three parties involved have contacted Bank of America on several occasions and every time we do we are told that the bank is still doing an investigation. I understand their may have been an issue with the check being in personal name and being mobile deposited into a business account, but if there is any issue or investigation, Bank of America should have sent the money back to senders original account. Bank of America received the money from my bank in XX/XX/2018 and today 6 months later is claiming to still be investigating the issue and has been holding this money and did not give it to their account holder or back to my bank as the sender. They give us no other answers except that they are working on it. yet they have been holding our money for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed chapter XXXX discharged inXX/XX/XXXX/2016 companies keep saying it willl take off but dont case # XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX Is NowSent A Notice Of Legal Proceeding. They Sent This By Email On XX/XX/year>. Time They Sent It Is XXXXXXXX XXXX. I? Didn't Apply For A Loan With Speedy Cash USA. And! I Never Got The Money From Speedy Cash USA. I Never Went Online To Apply At Speedy Cash USA. Amount That XXXX XXXX XXXX, XXXX Wants Back Is {$6300.00} Dollars.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal notice and demand for immediate corrective action regarding fraudulent and inaccurate information that continues to persist on my credit reports. Over the past XXXX years, I have filed numerous complaints with no resolution. The records unmistakably establish that I am a victim of fraudulent activity, yet the XXXX major credit bureausEquifax, XXXX, and XXXXhave failed to meet their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

The FCRA mandates that all credit bureaus investigate disputes and remove false or unverifiable information. Your continued failure to remove fraudulent entries is not only a breach of federal law but may also constitute willful negligence. The fraudulent conduct associated with my Social Security Number ( SSN ) dates back to when I was XXXX XXXX XXXX irrefutable indicator of false information that no reasonable investigation could validate. This demonstrates a blatant disregard for your duty to investigate and verify the authenticity of the data reported under my name. 

Moreover, under the Identity Theft and Assumption Deterrence Act ( ITADA ), it is a federal crime to use personal information, such as an SSN, fraudulently to obtain credit or financial benefits. By failing to act on the evidence provided and validating false claims, your organizations are enabling, and potentially collaborating in, these illegal activities. This makes you complicit in the violations committed against my federal identification and credit file. 

It is evident that the collections and accounts reported under my name are the result of gross negligence and a failure to properly investigate or prove that I knowingly or explicitly authorized any of the loans or accounts in question. I demand a comprehensive third-party investigation into all records associated with my SSN. Each credit entry must be verified for authenticity, and all fraudulent or unverifiable information must be permanently removed from my credit reports. 

Your failure to address this matter to date has caused irreparable harm to my financial standing and mental well-being. I am prepared to escalate this issue further by filing formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state Attorney Generals office. If necessary, I will also pursue legal action to hold your organizations accountable for violating federal laws and regulations. 

I expect an acknowledgment of this demand within XXXX business days and a complete resolution within XXXX  days, as required by federal law. Any failure to comply will be regarded as a willful violation of the FCRA and ITADA, and I will have no choice but to seek damages to the fullest extent permitted by law. 

This matter is of the utmost urgency, and I expect your full cooperation. 

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

remove all the ftc violations attached
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$580.00}
Product: Credit card

This has been on going since the beginning of 2023. 
Some of my payments go to the balances shown online. Some of them go to an unknown balance from an unknown purchase. Currently my current balance is XXXX. Yet when I count up my standard purchase accounts, the total is XXXX. These accounts accrue interest monthly, which is typically reflected. The problem I have is why does my balance show XXXX, yet my accounts total XXXX? I get the run around when I call and get different answers. Yesterday they told me it is from a promotional balance that wasn't fully paid off. But none of that is reflected on my account page. 
Previously when I had promotional accounts, the last XXXX months of payments before the promotion expires, the payments are supposed to go directly to the most recent due promotional account. Minus the minimum monthly due. They have not applied 50 % of the past years worth of payments correctly. When I call to have them allot the payment to that specific promotion ( which it's in there rules to do ), they do not apply it correctly. Causing me to have to email them to fix it. If they don't fix it, I would be late in paying that account on time and charge me interest. 
90 % of the time I call, they try to gaslight me and never give me the same information. I am paying off my balance today so that I do not have to deal with this fraudulent company again. I want other people that deal with Synchrony Bank, to verify your account monthly. Because they will take advantage of you any way they can.
Product: Mortgage

Over the course of 4 outgoing phone calls to KeyBanks Customer Service Line totaling 178 minutes I was still unsuccessful in getting the " other charges '' waived when attempting to pay-off my loan. My issue I have is when my home went into a foreclosure status in the first 4 months of the loan I paid roughly XXXX to bring it current and I am left wondering why I didn't pay those attorneys fee 's at that time. Now I am getting charged randomly throughout the last 2.5 years for attorneys fees. Ironically I got the information to the actual attorney to get this problem resolved and he was someone I knew personally so I gave him a call. My main goal I would like to argue with KeyBank is why those fees weren't issued in the beginning when I brought my loan current and why was it such a hassle to get this information from them. Again I spent almost 3 hours of phones calls to get no where it seemed like and I am still left wondering why. These phone calls took place as follows. 

XX/XX/XXXX @ XXXX XXXX Outgoing Call to XXXX for 55 minutes I was transferred to collections which the lady explained to me as my account being current and almost immediately was going to transfer me back to CS before I stopped her explaining I had just spent 40 minutes with XXXX ( employee # XXXX ) in CS. 

XX/XX/XXXX @ XXXX XXXX Outgoing Call to XXXX for 26 minutes ( XXXX ) no success here. 

XX/XX/XXXX @ XXXX XXXX Outgoing Call to XXXX for 35 minutes XXXX ( employee # XXXX ) -> XXXX  supervision XXXX ( customer service department ) no success here, but a phone call back with a voicemail with not enough information causing me to spend over an hour with the next CS Rep. I got down below. 

XX/XX/XXXX @ XXXX XXXX Outgoing Call to XXXX for 1 hour 2 minutes XXXX was finally able to provide the name of the attorney I have a huge problem with how many employees I had to speak to and how they had no clue of how things worked almost just shrugging their shoulders and saying I don't know, but I'm sorry this is happening.