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

I've deposited a cheque for amount of {$1900.00} into our Bank of America ( BOA ) cheque account on XX/XX/year>. The XXXX advised that the cheque need up to XXXX for review and to verified clearance or not. 
On XX/XX/year>, we checked our account, My husband took a screenshoot of the account from his BOA app to confirmed available funds which shows the cheque is cleared, and we can see funds is available to use. 
I've proceeded to purchased at XXXXXXXX XXXX XXXX from the available cheque funds. On the same evening, we received an email from BOA advising that our cheque account is overdrawn. We checked our cheque account and the cheque was reversed out. At the same time we had been scammed as we have provided the XXXX XXXX XXXX away. 
On XX/XX/year> at XXXX I called BOA Customer Service XXXX XXXX clarification and complaint on the deposit. I was on the phone for XXXX & XXXX, got put through to XXXX different staff and finally spoken to XXXX from XXXX Department. I've explained to XXXX that I deposited the cheque and was told within XXXX the cheque get clearance or not. In our case the cheque is cleared as our cheque account have the cheque available funds. XXXX explained that they have XXXX to review the cheque and after XXXX the cheque is not legit therefore they reverse the cheque. I've asked XXXX that while BOA review the cheque within XXXX why is the funds available in our account for us to access. XXXX could not explained this but continuously advising that after XXXX the cheque was not legit therefore it got reverse out. I've explained to XXXX that BOA need to take responsibility and honour the cheque amount as the cheque amount was made available for us during BOA completing their due diligent and review of the cheque. BOA fails us as their customers by not doing their due diligent process correctly. By BOA allowing the funds made available for us to access means that BOA confirming with us that the cheque is good and legit. As BOA customers we trust BOA and therefore have used the funds on good faith that all review and checked at BOA end and that the monies are safe to access. If BOA did complete the full due diligence and not having the funds available for access, we would not have access the funds and our account would definitely not go into overdrawn. I've asked XXXX to speak to his XXXX as i want to escale my complaint but XXXX hang up on me after XXXX & XXXX on the phone. 
BOA have provided us with funds access againt unclear cheque then BOA need to honour the deposit and not reversing the cheque which cause us overdrawing our account and loss of monies.
Product: Student loan

Ive asked for years how much I was charged for my sons tuition to XXXX was. They will never give me that information
Product: Mortgage

I want midland to provide pay history, settlement statement truth in lending disclosure, title policy and appraisal
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the cfpb this summer on this issue and you didn't get any resolution then either. I still have no access to my online Equifax account. Every time I call I'm told the EXACT same thing and I have mailed or faxed them the requested information 6 times now. I never receive a response unless I file a formal complaint which I have done for the XXXX time now. That doesn't resolve it either. I sent a certified letter this time that was received on XX/XX/XXXX with a copy of my ss card and drivers license. I was told I would receive an email or mailing confirming my updated information ( for the XXXX time ). I have received nothing and still have no access to my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX **Subject : Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate late payment information reported by XXXX, Experian, and XXXX on a XXXX XXXX XXXXXXXX account XXXX Account # XXXX XXXX ) that does not belong to me. 

Below are the specific details of the account as reported by each bureau : - **XXXX** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$1000.00} - High Credit : {$1000.00} - Credit Limit : {$700.00} - Past Due : {$1000.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Charged off as bad debt ; Canceled by credit grantor ; Account has been closed due to inactivity ; Unpaid balance reported as a loss by the credit grantor. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - **Experian** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$1000.00} - High Credit : {$0.00} - Credit Limit : {$700.00} - Past Due : {$1000.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Charged off as bad debt ; Canceled by credit grantor ; Account has been closed due to inactivity ; Unpaid balance reported as a loss by the credit grantor. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I have never opened or authorized this account. As such, the information reported is inaccurate and must be corrected or removed. 

I request that the CFPB investigate this matter and instruct XXXX, Experian, and XXXX to remove the incorrect account information from my credit reports. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Student loan

FedLoan sent me a notice about applying for an In-School deferment. I have not applied for an in-school deferment. I want my Cares Act normal deferment period. I took no action with FedLoan to cause this notice/change from them. I tried to call FedLoan at XXXX and no one answers the phone, no live representative, just an automated system. I tried to email them and there is no way to send them an email online thru my account when logged in. I feel this is malicious, easily overlooked by borrowers, and needs to be investigated. It is very suspicious I can not contact them to correct this. I want to be sure ALL my IBR payments to date have applied and not been reset because of this.
Product: Debt collection

On XX/XX/XXXX I was charged {$1900.00} for a collection that I have no idea about I have not been to any doctors or had any debts as of this year I was XXXX  from XX/XX/XXXX to XX/XX/XXXX and I know that this is not accurate I just need help fixing this is not the only thing on my credit report that is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

today, XX/XX/2018 Attempted to get my yearly credit reports from XXXX, Equifax, and XXXX on XXXX. No problem with XXXX but the other two refused saying insufficient info was given when they received the same info as XXXX. This is what I got from XXXX which is similar to which I got from Equifax : " Sorry, we are unable to verify your identity This is usually because your information has recently changed, you don't have enough credit history, or the information was entered incorrectly. If you believe you entered your information, incorrectly, click here to try again. '' However, the same identity information was given through the website ( XXXX ) to XXXX   which was accepted by XXXX, The other two, XXXX and Equafax asked further questions regarding matters that they claimed to be in my file. My answers to those questions apparently was wrong, Which means THERE MUST BE MATTERS IN MY FILE IN THOSE AGENCIES THAT I AM NOT AWARE OF! THAT IS THE EXACT REASON I SHOULD SEE MY FILE! 

Also, when I went on XXXX 's website to freeze my report all went well and it froze my report. 

The other received the same information on their websites and on the phone and again refused saying I did not give sufficient info to ID me, info that appeared on the respective reports, info which I am not aware of. This is not info regarding my identification, etc., which is the same info that XXXX   received. The telephone reps even knew my ID info from my telephone #. Each asked questions regarding debt, notes and vehicle purchases which do not appear on the XXXX   report and which I am not aware of, in order to be assured that I am who I am. THIS IS CRAZY! It puts the cart before the horse. 

IT WOULD SEEM THESE TWO AGENCIES ARE JUST PUTTING ROADBLOCKS UP TO DELAY OR CAUSE ME SO MUCH WORK THAT IT IS NOT WORTH THE TIME TO PURSUE MY RIGHT TO GET MY REPORT AND/OR FREEZE MY ACCOUNT! 

XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, ( My address since XXXX ), XXXX XXXX XXXX ( A telephone number for about the same amount of time. )
Product: Checking or savings account

On XX/XX/2023, I ran into an issue with Cash App with their bitcoin exchange. I recently had a direct deposit be auto-exchanged to bitcoin but I needed the money for other expenses that required actual money. I attempted to withdraw but I ran into an error saying I needed to verify my account. I followed the steps but the system still wouldn't allow me to withdraw. I contacted support and they had me go through hoops going from chat support, to a phone number, that eventually ended in a email chain. On the email chain they continued to provide copy & paste responses, not acknowledging the actual issue or attempting to resolve the issue. 

I was fed up and I just wanted to close my account. I had to pay significant fees to send this bitcoin to another exchange where I had to pay even more fees to sell it and send to another checking account. I still had pennies worth of bitcoin in the account that I couldn't send due to transaction fees, and I still couldn't close the account myself because I still couldn't withdraw.

I contacted chat support again and was adamant on getting my account closed. They asked for my first & last name, my email address, my phone number, the last 4 digits of the debit card tied to this checking account, and consent to account closure. I sent all of these over and I received a chat message stating that the account was closed. 

I didn't believe that the account was actually closed. I sent a letter in the mail the next day asking what is the status of my account and if it is closed or not. Today XX/XX/XXXX I received a email from Cash App stating they received my letter and stated my account WAS STILL OPEN. They also provided yet another copy & paste response stating I have to ensure everything was XXXX 'd out on the account before I can close it. 

This is really not acceptable. I received confirmation at the time of request that my account was closed, but then later received another confirmation that my account was not actually closed.
Product: Mortgage

I have been attempting to work with representatives at Selene Finance for over a year on resolving the short-sale or Deed in Lieu of my former home. I am constantly promised return phone calls and resolution to my matter month after month, only to learn that my case has been once again reassigned upon following up. They NEVER return my calls within the time frame given and I am always given " the run around '' when I call concerning the status of my account. For the last two weeks I have been promised phone calls to discuss resolution, but have yet to receive XXXX. I again called today to get a status update, but no one could give me an answer, nor did they have any idea what I was talking about. I have tried to be patient with them and have given them more of my time and information than necessary. Their customer service is a disgrace to the finance industry and is costing me valuable time that I could have had my home on the market and sold, but can not list it without their approval. Their lack of urgency has also cost me XXXX previous interested buyers in the past when my home was eligible to be placed on the market. They have no structure or protocol to follow with respect to these situations, which has brought me to this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights.

Under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late of any purpose.
Product: Credit card

For my Citi Card account, I never gave authorization to go paperless. But Citi stop sending paper statements from XXXX 2014. As consequences I missed a payment of {$69.00} then being charged late fee of {$130.00} in following months. I request that you to investigate this issue, and Citi should refund the {$130.00} and remove related information for my credit report.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX  Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XXXX XXXX XXXX XXXX XXXX It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX
Product: Credit card

American Express via CFPB Re : Claim Notice -Amex Account # XXXX. We have been Amex customers for several decades, and have been model customers, always adhering to the terms of my agreements with American Express ( Amex ), and always paying on time. By notice ( the Notice ) on XX/XX/2024, Amex unilaterally closed certain accounts, including the Business Platinum card referenced above ( the Account ) for no valid reason ( vague and ambiguous reason cited : based on our adherence to regulatory guidelines ) while wrongfully retaining annual fees paid by us in good faith. Other than the Notice, at no point in the past 30 years has Amex provided any indication of any deficiency on our part. On the contrary, Amex continued to send us solicitations to open additional accounts and to incentivize doing more business on existing accounts. On XX/XX/2024, Amex billed a renewal annual fee of {$690.00} ( which was promptly paid ) to the Account just weeks prior to Amex unilaterally closing it and Amex keeping the fee. We would not have renewed the card if we knew Amex would cancel after we paid the fee. If Amex did not want to renew the card, it could have canceled the card before billing another {$690.00} fee. Instead, Amex collected the fee and then canceled. We are writing to demand a refund from Amex for the renewal annual fee paid in good faith in reliance on the reasonable expectation of the Account remaining open. We are aware that if this dispute is not resolved to our satisfaction, we may submit the dispute to the XXXX XXXX XXXX or XXXX for mediation within 30 days after sending this notice, or we may submit the dispute for arbitration or litigation. Please be on notice that we intend to pursue litigation if the claim made in this letter is not promptly resolved. Our stated damages will likely be in excess of {$690.00} for reasons and under theories that will be outlined in the complaint. Please remit payment for {$690.00} immediately as reimbursement for the renewal annual fees paid in good faith and wrongfully retained by Amex.
Product: Credit card or prepaid card

XXXX I called Synchrony Bank customer service XXXX regarding my Amazon Prime Store Card account ending in XXXX. Discussed the following : My statement due XXXX shows new balance of {$1000.00} or total minimum payment due of {$53.00}. Within the new balance, {$570.00} charges on XXXX, were promotional 12 equal payments 0 % APR. However, no where on the statement does it provide the amount of the 12 equal payments nor show the adjusted balance. I am supposed to do the math myself. I was on auto payment and within the online payment resources, no where does it provide the adjusted balance. It offers the same amounts discussed in sentence two above. My phone call was a total of 40 minutes and included a regular rep and accelerated to supervisor. No one could tell me why the statement does not provide crucial payment information and balance adjustments. 

After the above phone call, I called Amazon to report Synchrony 's, I believe, illegal monthly statement. The rep, XXXX, told me he would transfer me to a Synchrony rep who is trained to deal with this problem. I accepted only because I asked the Amazon rep to follow up with me in two hours. I anticipated the same issue I had earlier, and that is what happened. No one can even tell me my adjusted balance. The rep, XXXX, told me I had to call Synchrony monthly for 12 months and ask the adjusted amount that is due. 

This is preposterous and disturbing management. I feel I was lured into a bait and switch situation. I have never seen a statement with monthly deferred payment presented like this, see attached.
Product: Credit card or prepaid card

My XXXX card balance is paid in full monthly by autopay. A charge reversal resulted in XXXX showing a credit on my XXXX, XXXX statement. 

The XXXX and XXXX statements charged me interest both months for charges dating back to the timeframe during which XXXX showed a credit. 

They have told me it will take several months of these interest charges to catch back up, despite the autopay feature being for paying the statement balance in full. 

For {$75.00} interest, they lost a {$99.00} annual card payment and the monthly merchant fees on several XXXX dollars in charges.
Product: Mortgage

This is with SLS Mortgage Company. 

In XXXX, I was sentenced to XXXX years in XXXX My husband ( primary mortgage holder ) XXXX  me I deeded the house over to him in XXXX. He was suppose to refinance and take my name ( co-borrower ) of the mortgage. He never did. It is my understanding a loan modification happened in XXXX, yet I never signed a document. He got ill and passed away in XXXX. Mortgage payments were missed. He left the house to our XXXX sons and his mother XXXX XXXX was the executor of the estate. She was only the XXXX  was XXXX mos. in XXXX, however, continued to contact and negotiate with SLS as if she had the authority to do so. I was not aware of any situation. I was released from XXXX  XX/XX/XXXX. XX/XX/XXXX, she informed me that SLS stopped taking our mortgage payments but yet did not get me involve or tell me how bad the situation was. Around XXXX, she informed me and told me I needed to handle the situation with SLS. To do this day, SLS does not communicate with me or send paperwork the my address which is the property in question. I have filed many loan applications, and complied with their request to be told it was denied to paperwork. SLS has dealt with an individual who no authority to do so. This mortgage is under my name and social security, I have shown desire to keep the home as my income is more than enough to cover the monthly mortgage payment. SLS repeatedly has had the wrong information, repeatedly not contacted me, the person whose credit this affecting and as of XX/XX/XXXX, the sole owner of the home. 

I feel SLS uses unethical practices and my XXXX of being XXXX and not being in communication with SLS at the fault of SLS has now put myself and my XXXX children has being homeless.
Product: Debt collection

THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$4400.00} Open balance. I settled account for {$2000.00}, with XXXX XXXX XXXX XXXX. I spoke to someone at THE BUREAUS, and they said once it was settled they would delete it of all my credit reports.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) XXXX XXXX XXXXXXXX ), which was opened on XX/XX/year>. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to " on time '' as they should be, as I was NEVER late. 

Thanks.
Product: Money transfer, virtual currency, or money service

This was a debit card issued by Bank of America for pandemic unemployment benefits. The card was issued to me in my married name, XXXX XXXX de XXXX. I an back with my maiden name now, XXXX XXXX XXXX XXXX. 

My claim is for reimbursement of {$1900.00} that was misappropriated from my Bank of America XXXX card due to fraud. Bank of America has denied my claim more than once. 
My claim is for reimbursement of four debits to my card, as follows : XX/XX/2021 {$100.00} XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX {$1.00} The only branch that I ever use is the XXXX XXXX branch, which is walking distance from my home- I do not drive. None of the fraudulent withdrawals are from the XXXX XXXX branch. 

If you examine the balance inquiries that were made on my debit card, the fraud becomes clear. I always do a balance inquiry and then make my withdrawal. It is clear that some sort of data breach occurred at Bank of America in early XXXX  After that, fraudsters made balance inquiries from all over California and the US, and then withdrew the maximum possible amount when they found funds in the account. Each of the fraudulent withdrawals identified above was preceded by a balance inquiry. There were a number of additional balance inquiries by fraudsters, from locations other than the XXXX XXXX branch, that did not uncover available funds. Small mercies, I guess.