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

This is the second time I have went to the bank in XXXX XXXX, NJ XXXX the Bank of America branch had the same teller I have withdrawn money from my Checking account to have latter checked online to find out that it was posted as a " check being cashed '' when there was no check involved. It was just a withdrawal from my checking. This is a deceitfulness. 

And this XXXX XXXX XXXXXXXX complaint when filed ask you to put in your routing number on the online complaint form and then on the second page it tells you not to put in any " sensitive '' information. Well you can't go back and therefor have already disclosed this sensitive information. This is fraudulent.
Product: Checking or savings account

This is a follow up to Complaint ID No : XXXX. I made a complaint about SunTrust bank and the unduly charging of fees. Part of this complaint was also that I requested that my account be closed as I wanted no further dealings with this bank. The request was made written and verbally on XX/XX/2017. The bank immediately closed my savings account however to date, are refusing to close the checking account. They are stating that there is a balance owed. I agreed and requested that they close the account and send an invoice for payment for the balance owed. I would in turn make payment on that balance within 5 business days. The bank has refused to close the account. I was told that the account would be locked from activity. This also did not happen. They have allowed transactions on this account in an effort to again extort fees. I was told by one representative that if the account was closed that it would be sent to collections. I advised them to do exactly that and I would pay the invoice sent by collections company. This has not happened. I absolutely refuse to do business with SunTrust and I have told them this on the many occasions that I have requested that this account be closed. I am now reaching out in an effort to get this account closed so that all ties can be severed!
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. Actually I am not sure that the account is even mine though your company claims to have verified this. 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 Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, 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 creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Third party creditor collecting for a party who decided to generate false accounts receivable for services not rendered.
Product: Debt collection

My husbands parents in a different state received a collection notice for {$110.00} for him from AFNI, Inc. The problem is, our account from our internet provider ( for which the collection notice is referring to ) is paid and in good standing. I called our internet provider and they said our account is fine. The collection notice had the wrong P.O. Box, the wrong phone number, and the wrong last four digits of the zip code-they were all different from the information on the real collection agencies website. This is a huge issue and an attempt to steal my husbands identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted a dispute to ChexSystems with evidence, proving XXXX accounts ending in " XXXX '' & " XXXX '' were paid in full. XXXX responded to these disputes stating these accounts were " unpaid '' and the receipts were illegible. Therefore, I resubmitted these receipts and contacted ChexSystems, and requested for these receipts to be re-presented again to XXXX. Afterwards, on XX/XX/2020, I inquired about status this investigation, and I was informed only one account " XXXX '' was updated to " paid in full. '' I have contacted ChexSystems several times, until XX/XX/2020 two more investigations were opened and as of today still no results. I do believe ChexSystems has thoroughly investigated because proof of receipt or paid in full status was provided twice. ChexSystems has refused to have a conference call with XXXX, therefore, I did not have a choice but to file a compliant.
Product: Mortgage

To whom it may concern, I have sent Ditech Financial LLC ( " Ditech '' ) five different letters on XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) to the designated following address ( given by Ditech ) where mortgage loan customers are requested to send any Qualified Written Request, Notice of Error or Request for Information : XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX per resolution letter submitted to me. 

Ditech finally sent a letter on XX/XX/XXXX to work out an option for a reinstatement and repayment plan along with a contact representatives name and number. I attempted several times to reach the person, left messages including e-mails to Ditech and have not received a response. 

I have not heard back and as of today, XX/XX/XXXX, and, the only correspondence I have from Ditech in regards to the request is dated XX/XX/XXXX in a letter stating that they would get back to my request as their research has not concluded. 
Again, I am trying to obtain a repayment plan for a nine ( 9 ) month period with an additional borrower to the account and with the understanding of moving forward with past-due amounts being spread over a set time frame onto the existing mortgage payments as inclusive of the monthly mortgage payment increase with future mortgage payments. The total due as of today is {$17000.00}. 

Moreover, I am trying to obtain information from Ditech so that this matter may be expeditiously resolved. I have made Ditech aware and reiterated information that they already have where they can send information inclusive of XXXX XXXX , phone numbers ( secondary contact person, etc. ) along with e-mail. Thank you for all your assistance.
Product: Credit card

Never opened an account with the company. got a bill with ending # XXXX asking for {$100.00}
Product: Credit reporting or other personal consumer reports

I had disputing this account with XXXX XXXX XXXX multiple times this is not my account I was incarcerated during the times this account was open I has summited multiple supporting documents as well as police report. XXXX and XXXX has already removed this item from my file .everytime I dispute it threw Equifax they say the dnt have my documents on file here I am once again resending the documentsthis account is showing inaccurate such as 13late payments as well as its not my account ..I ask that u removed all late payments or removed whole account this has cause pain and suffering to me. I have file multiple complaints
Product: Credit card or prepaid card

Hi my name is XXXX XXXX. I have a guitar center synchrony credit card that when I opened the card four and a half years ago had a XXXX dollar limit on it. On XX/XX/20 checked my card to see how much I had available on the card to make a purchase and saw Synchrony bank dropped my credit limit to XXXX dollars. I tried calling them to see if there was anything we can do to restore my credit limit and was told there was nothing they were willing to do. Ive been on good standings with all my accounts. I never maxed out that card. The most I put on that card was XXXX dollars and the card has been paid off for some time now. I dont find this to me fair and would like to put in a complaint. Please email me back about this when you get a chance. My email is XXXX or call me. My number is XXXX. Thank you and have a good day.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unf

air 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: Debt collection

When checking my credit report about 7 months ago, I noticed a collection account on there from Southwest Credit Systems ( SCS ) by way of XXXX XXXX. I had no knowledge of the debt, so I disputed it on all three credit bureaus. I never heard anything back, but when checking on my report, the debt was still there. I then contacted SCS by phone to let them know that it wasn't my debt and need to be removed. XXXX XXXX made a mistake on my account and sent this untrue information to SCS. I have a letter from XXXX XXXX stating that they made a mistake on my account and that a refund would be issued. I've contacted SCS several times to get the item removed, but have been giving the run around when I call. About two weeks ago, I called and at the time was told I owe {$120.00}. The original amount, which is still on my reports is {$730.00} owed. My fist issue, even if I owed the {$120.00}, which I don't, why is my credit report showing me still owing {$730.00}? Another time when I called, the rep on the phone stated that the account was paid in full, which again I don't get because I didn't pay on this fraudulent debt. My second issue, if it's showing paid in full on SCS screen, why do they still have it listed as a balance owed of {$730.00} on my credit report? When questioning the reps, they got real irritated and transferred me to some VP voicemail, which was over a week ago, and I still haven't heard back from anyone. I'm tired of the run around and it seems as I'm getting different information every time, all which is inaccurate, yet they haven't removed the false information from my report. The lady on the line claim that they don't remove or add things to our reports, they just collect on them. The last issue is that I've been contacting this company to get the inaccurate information removed, with getting the run arounds, no call backs and being told anything ... .I look on my report today and it shows they updated the past due amount of {$730.00} on XX/XX/20, which is inaccurate. When I called SCS today on this, the rep said the balance is paid in full. Someone please help, this inaccurate information is causing issues with my credit. Just a side note, these companies always claim that the calls are recorded, please make them pull the calls from my conversation, so that you can hear exactly what I'm talking about.
Product: Credit card or prepaid card

On XX/XX/19 I was duped into buying a bed by Mattress Firm in XXXX New York. The salesperson withheld information about returns and lied when he said I could try the bed for 120 days and if I didnt like it I could return it. They sent the wrong base and when I called to have it replaced they said its not returnable. This was clearly fraud. I tried today to file a complaint with synchrony bank card. They have had me on hold 45 minutes. Clearly they dont want to take the complaint. I originally spoke with XXXX who said dhe would file a dispute with the merchant and initiate an investigation. After 28 minutes she said she couldnt file the dispute and I needed to be transferred to a specialist. Im still on hold now almost an hour. She gave me no reference number so I cant even call back and talk to someone else without initiating the whole call again.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding a XXXX  listed on my credit report that is not being reported with maximum possible accuracy. This is a direct violation of the reporting standards, and I am requesting that you delete this XXXX  from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection company is trying to collect on a account that was fraud on a old XXXX XXXX account I had I reported charges that I didn't make on the account XXXX XXXX did not want to close the account and there was charges I didn't make on the account
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Please remove the fraudulent items : XXXX XXXX XXXX BV XXXX XXXX, OK XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX  XXXX Balance : {$710.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXX/XX/2022
Product: Mortgage

I would like to file a formal complaint with usaa Usaa refinanced my loan I refinanced my loan in XXXX and they forgot 2 out of the 4 parcels and all my taxes except for my school taxes on my main lot thats on the loan. 
Because they forgot my two parcels in the back I think that I am over 100 % when I refinance my house they are not willing to make things right My house payment on my contract for my refinance was supposed to be XXXX as of right now its XXXX they conned me slandered my name told me I did not provide them with all the information but that is incorrect I sent them the only taxes that I had at the time and it was my school tax for both parcels they missed they missed it and blame me the whole six months from XXXX until XXXX that it was my fault and I have to just deal with it if you need any paperwork on my loan I will immediately send it Its not just me but I feel that if they XX/XX/XXXXup my loan this bad there has to be a lot more people that are dealing with it.
Product: Debt collection

I have made several attempts to resolve things with Equifax but they continue to willingly and knowingly damage my livelihood and reputation with unlawful and fraudulent reporting on my consumer report. This is an attempt to settle my issue with them before filing a civil suit in my local magistrate court against their registered agent Equifax. 

Please see attached letter and ID theft report for the list of accounts and inquiries to remove and update late payments to 100 % paid on time.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued reporting of inaccuracies on my credit file regarding my XXXX XXXX XXXX XXXX account # XXXX. Despite my previous disputes ( Round 1 and Round 2 ) and your investigation into these matters, the reporting remains inaccurate, and Equifax has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, my account is incorrectly reported with two 30-day late payments for XX/XX/XXXX and XX/XX/XXXX. These entries are both inaccurate and illogical. It is impossible for consecutive months to show 30-day late payments without XXXX reflecting a 60-day late status, which further confirms this reporting is erroneous. I was, in fact, on time for these payments, as demonstrated by my payment history. Under the FCRA, Equifax is obligated to : 1. Conduct a thorough and fair reinvestigation of disputed information, as outlined in 15 USC 1681i. 2. Ensure the accuracy and completeness of the information reported. 3. Remove or correct any unverifiable or inaccurate information promptly. Your response to my previous disputes, stating that the information was " verified, '' demonstrates a failure to conduct due diligence in accordance with these requirements. The persistence of these inaccuracies is unfair, harmful to my creditworthiness, and in direct violation of my rights as a consumer. I demand that Equifax immediately : 1. Reinvestigate this matter thoroughly. 2. Remove the inaccurate late payments for XX/XX/XXXX and XX/XX/XXXX from my credit file. 3. Provide me with a detailed explanation of the investigative procedures followed and the evidence relied upon in verifying the accuracy of the disputed information. I have attached the following documents to support my dispute : Previous correspondence related to this dispute. A copy of my identification for verification purposes. Should this matter remain unresolved, I will consider pursuing additional remedies available under the FCRA, including statutory and punitive damages for noncompliance. I expect a resolution to this dispute and a corrected credit report within the 15-day period mandated by law. Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, AXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXccount # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights

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 that a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I was told XX/XX/XXXX my account was scheduled for closure after trying to use my debit card. I inquired with the customer service team as to why my account was scheduled for closure I was told per the clause in the contract I signed I was able to close the account at anytime and the bank reserves the right to do so as well. Multiple employees stated the same thing. I have been a Bank of America customer for years and I have never had any fraud issues with my account. 
After withdrawing my funds I was told it would take up to 2 weeks for a full account closure to be done. It would show closed to them but I could not use it. 
On XX/XX/XXXX I had an automatic deposit posted to my closed account ending in XXXX. Assuming its well past the 2 week timeframe of closure that the amount would be closed to sender. XX/XX/XXXX I contacted Account Closure department and asked what the return timeframe was the rep stated 3-5 business days and I asked if she saw anything in my account she stated no. Today is XX/XX/XXXX the sender of the check contacted me and stated no funds had been returned so I called BOFA again I was told that there indeed was funds in my account and I was told it was okay to go withdraw. I go to the Bank of America on XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and this is the umpteenth time I walked in and either there were no tellers or their system is down. Every time I enter this location theres some sort of issue
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit card

hsbc now has made it real hard to reach. i spent an hour trying to call XXXX. 
new phone system. then i got hung up on. then i was read a scripttheir call centers in other countries they barely can speak english such where when i tried to make a payment on my cc i could not since the representative did not understand english
Product: Credit reporting or other personal consumer reports

Originally sent a dispute about a Bankruptcy on my credit report on XX/XX/year>, among others as well at the same time, I've received responses back from other credit reporting agencies except Equifax, nothing whatsoever, no emails, mail correspondence, nothing. 45 days and counting...
Product: Checking or savings account

On XX/XX/year>, my phone, email, social media, bank card and credit cards were hacked. The hacker assumed my identity on multiple platforms. I called Wells Fargo immediately to cancel my bank card and start a fraud claim for XXXX XXXX charges. XXXX charge for XXXX, another for XXXX. I also called XXXX the same day to inform them of the fraud/hack. I was instructed to change my XXXX XXXX  immediately, which I did ( XXXX Case No. XXXX ). XXXX XXXX XXXX XXXX later confirmed the suspicious activity on XXXX  end. XXXX also indicated the charges have been charged back by Wells Fargo. Well Fargo denied my claim and stated I authorized the charges ( first claim No. XXXX ). XXXX was including items in my claim that were not a part of the fraud. I spoke with about XXXX different people who gave me XXXX different answers as to why my claim was denied. I then spoke with XXXX in the XXXX XXXX on XX/XX/year> who confirmed the first investigation had multiple errors. XXXX confirmed the items were charged back. XXXX filed a new claim on my behalf ( Claim No XXXX ) and said a special department would be handling the new claim due to all of the previous errors. I called Wells Fargo on XX/XX/XXXX to get the status, as we were past the 10 day investigation period. I was again informed my claim was denied because I authorized the charges. For the XXXX time I explained I was hacked. The person I spoke with didnt see any of the previous notes indicating the same- he kept repeating Wells Fargo wasnt hacked, I was. I did NOT authorize XXXX charges totaling XXXX. Wells Fargo continues to deny my claim and ignore the fact someone hacked my phone, social media, emails, bank card and credit card. I dont understand how XXXX can confirm the fraud but Wells Fargo can not.
Product: Credit reporting or other personal consumer reports

the company stated that i have been late on payments 3 different times i have never been late i have asked for documents and bank statements whitch was never received but they continue to report these negative information on my credit report i am asking that they provide this information or update my account to paid as agreed and never late the company- XXXX XXXX XXXX XXXX the account number XXXX the dates at question XX/XX/year>XXXX  and XX/XX/year>XXXX  and XX/XX/year>
Product: Debt collection

The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation for the referenced accounts. r They failed to provide me validation of the accounts and at the same time persevered with reporting them on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).