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

American Express National Bank XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Re : Banking Complaint under Texas Banking Codes Dear Sir/Madam , We are writing to formally file complaints against American Express National Bank and XXXX, XXXX XXXX XXXX regarding ongoing issues and problems with our checking accounts that have persisted over the last three years. We believe that the actions of these banks are in violation of the Texas Banking Codes and have caused us considerable inconvenience and financial distress.

Background : In the last three years, XXXX XXXX and I opened three checking accounts with American Express National Bank and XXXX, XXXX XXXX. We have encountered a series of problems related to unauthorized transactions, disputed transactions, payment issues, and communication difficulties, which have adversely affected our banking experiences. 

Complaint Details : Unauthorized Transactions and Disputed Transactions : XXXX XXXX and I have experienced ongoing issues with unauthorized transactions and disputed transactions. Both banks have failed to conduct proper investigations and have not effectively resolved these concerns. This has resulted in significant financial losses and has left us dissatisfied with the resolution processes. 

Payment Problems : I have faced difficulties in making payments both online and in stores, often leading to transactions being declined or delayed. These issues have sometimes taken an extended period to resolve, with suggestions to make in-store purchases rather than online, which is not a satisfactory solution. 

Unauthorized Charges by Companies : On several occasions, companies have charged XXXX XXXX and my accounts without our knowledge or authorization. One such instance involved continuing payments for a service I canceled in XX/XX/2023. Despite promises from the company 's management team to resolve the matter, no action has been taken, and our accounts were charged without our consent. 

Transactions Holds : I have encountered transactions holds in the amount of {$0.00}, imposed by one of the banks. The banks advised me that these holds could not be disputed until they cleared, which often took several days or longer. This practice has inconvenienced me and resulted in delays in accessing my funds. 

Lack of Fraud Alerts and Account Freezes : Both banks have failed to provide me with notices of fraud alerts, and these alerts have led to account freezes without prior notification. This has resulted in disruption and inconvenience, particularly when trying to make essential purchases. 

Inability to Stop Withdrawals and Incorrect Withdrawals : On various occasions, We have encountered challenges in stopping withdrawals from our accounts, leading to incorrect amounts being deducted on the wrong days. This has further added to our financial burdens
Product: Credit reporting or other personal consumer reports

Sychrony Bank  sold a PayPal Cashback Mastercard  account ( with XXXX different account numbers : XXXX & XXXX ) to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX, I was alerted by XXXX that XXXX had reported the collection debt to XXXX in my name ( XXXX XXXX ). I contacted Synchrony to dispute to the collection debt and Synchrony Bank did not approve my fraud claim. I sent a letter ( dated XX/XX/XXXX ) to Synchrony Bank containing evidence to prove that my PayPal account may have been compromised on XX/XX/XXXX, the day the PayPal Cashback Mastercard was approved in my name. I don't recall making any purchases with the card in question, but I did make payments on the card, because I thought I was making payments on my Synchrony PayPal credit account ( # XXXX ), which was closed and paid in full on XX/XX/XXXX. Synchrony has not sent me any documentation to prove that I applied for the PayPal Cashback Mastercard and/or made purchases with the card. I hope CFPB can help resolve this matter in my favor, so the collection debt in the amount of {$3000.00} can be removed from my credit file. Thank you.
Product: Debt collection

In XXXX of XXXX I noticed a derogatory mark on my credit files reporting to all 3 major bureaus. This was for a medical debt in the amount of {$490.00} by XXXX XXXX XXXX. I immediately disputed the item with XXXX and it was unverified and deleted from my. I also disputed the same item with XXXX and XXXX. The item was also deleted from my XXXX file after a second dispute in XXXX continue to report the item. After contacting XXXX they suggested that I contact XXXX to dispute the item directly with them. I sent XXXX a letter disputing this account asking them to verify this debt ( proof of the agreement with their client granting them the authority to collect with dates/ times this debt allegedly occurred. ) sent via certified letter ( with proof ) and they received it on Friday XXXX XXXX, XXXX. Prior to sending the dispute to XXXX I did not receive any letter or communication from them whatsoever regarding this matter. On XXXX XXXX, XXXX I received a bill from XXXX demanding payment in full. The letter did not prove anything and was only a demand payment letter with the amount owed. Being this is a third party attempting to collect a debt I expected them to provide more detailed proof such as an original invoice from the original creditor with detailed info about services rendered, dates and times etc. I did not receive this. I sent another dispute via certified mail on XXXX XXXX and have yet received anything from them. Clearly this is a case of unverifiable debt on their part and I requested they remove it and report to XXXX. Under the FCRA I have a right to have this debt validated and I have not been given the evidence due under my right to prove what they say is accurate. It is still being reported as a derogatory remark on my XXXX file and has caused unnecessary financial hardship. my rights are being violated and XXXX is not following FCRA guidelines designed to protect consumers. XXXX is a collection agency ( XXXX ) party and legally obligated to furnish proof they have a right to collect on this debt. I have not been given proof and would like this company to cease reporting inaccurate information and demanding that I pay them. Or provide the information I requested and verify which should not be difficult if it valid and not erroneous or an attempt to extort money from hard working people like myself! I did n't make the rules that constitutes Fair Debt Collection, but I am following them and they are not! Can you please help me? If it is mine and I see tangible proof then I will make good on my end, if they cant provide me with something ( invoice, bill, proof etc ) its mine then I refuse to pay it and am asking you to mediate and or remedy this situation by asking them to adjust their records and send that to XXXX as well. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX XXXX DEPT OF ED/XXXX DPT ED/XXXX XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORT EQUIFAX MORTGAGE SER 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

In my previous complaint, I omitted details about the damages caused by Equifax. Last year, I submitted disputes regarding a student loan from XXXX. The issue was resolved, and it was pass the required stipulation assigned for removal from my report in XX/XX/XXXX. However, Equifax updated all of my information, misleadingly making it appear as if this was merely a credit history report. This recurring practice with Equifax, where they fail to conduct proper investigations, resulted in all of my accounts being updated and marked as resolved. Despite filing complaints and submitting paperwork, the updates persist. I recently discovered that my information has been compromised due to fraudulent activities on my accounts.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and seen that there all inaccurate information on my credit report Collection accounts that are

only on one credit report that i dont have any knowledge of.

Late payments and charge off accouts With different names and address that arent mine. 
From XXXX XXXX XXXXXXXX, and XXXX that is only showing up on equifax credit report. 
18 U.S. code 894
Product: Mortgage

Last year I refinanced my home with XXXX. XXXX sent over the buyout to Planet Home Lending ( old mortgage lender ) I have proof of the XXXX wire that was sent, in XX/XX/XXXX, they processed it in XX/XX/XXXX. In that time, since they were slow to process, the last 2 payments went delinquent to my credit. 

Keep in mind that I was already bought out and theres absolutely no reason for me to be delinquent with a mortgage company! 

Do to this error on Planet Home Lending there is a giant incident on my credit report THAT WASNT MY DOING! Im looking to refinance my home once more and I cant because of this red flag. For the last year, I have been back and forth with the old lenders trying to correct this. They keep giving me the run around. They wrote a plain letter that the Credit bureau did not accept because they did not validate the months that they screwed up. 

All Planet Lending needed to do is write me a letter, a letter stating they were in fact at fault with the specific months they screwed up on! The last year, I have been given the run around, put on hold, hung up on. Sent bogus i correct letters.. there famous line is your case has been escalated escalated to where!? Its been a year!
Product: Checking or savings account

Bank of America took {$1000.00} out of my account that I never authorized. They did not send any correspondence that they were planning to do this. I want this put back immediately. They have made it so I cant pay my mortgage!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i was transfer from XXXX XXXX to this company XXXX XXXX since XX/XX/2022 when I started this complain that as I found today havent been resolve, I have lost my job due to the incorrect reporting on my account to the credit agencies, I was denied plenty credit application including the refinance I was trying to do with another companies in order to get rid of this horrible company, the not only report my account status incorrect but they shown that I owe them money when they had all the money that was transfer from XXXX XXXX Still I paid them all as of today and they agreed to send the information to the agencies in order to fix my credit with the truth and the same day I pay the last month I was holding g in order for them to fix this. They reported to the agencies that I was late 90 days when that was completely a lie. I am tired of fighting with this company for over 9 months in order to fix this and they only laugh on my to the point that in XX/XX/XXXX I lost my job because all the bad things they reported incorrectly to my account. I have spoken to 49 agents, 12 supervisor, 7 back-up team members and 2 customer care manager and only supervisor XXXX was the only one that was able to start a real dispute with all the departments involved on this. The same that was in communication with XXXX from the credit department who offered me to pay the month of XXXX which I was holding it in other to force them to fix the issue and he was going to send a letter to the agencies in order to fix my credit. Turns out m, they reported 90 days late the same day and as of today no- financial company, field that I work in, they want to hire me because my credit is a mess and low due to this disaster they made in my life. I am recurring to you in faith that I have the solution in order to clean my name and recover my credit score since they put me in the low level ever. Please help me out. If you need to contact me. Please call me at XXXX
Product: Checking or savings account

To Chase Executive Office : In the letter from Chase Bank ( Attached to this complaint ), you were mentioning the payment of {$800.00} that I used online payment on XX/XX/XXXX, was sent successfully to XXXX XXXX, and you even provided the trace number XXXX. 

I attached two letters from XXXX XXXX, dated XX/XX/XXXX, and XX/XX/XXXX. In both letters, XXXX XXXX XXXX, who is a customer XXXX XXXX team member from XXXX XXXX, indicated the trace number was not good enough ; he said that he needs Chase Bank to confirm the payment received by XXXX XXXX, which will conclude XXXX XXXX received the payment of {$800.00}. 

Also, XXXX XXXX XXXX requested that Chase Bank send the requested information to his attention at the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, Florida XXXX Please note I trusted Chase Bank with my financial too many years, and I hope that Chase Bank will work with XXXX XXXX XXXX from XXXX XXXX. 

Finally, Chase Bank can take care of this minor issue for a customer like me, who has always trusted Chase Bank. 
Please don't let me down, I attached one letter from Chase Bank and two letters from XXXX XXXX for your review. 

Thank you in advance. 

XXXX XXXX ( XXXX ) XXXX
Product: Credit card

I have a Bank of America credit card. On XX/XX/year>, a purchase was posted to my card in the amount of XXXX by XXXX XXXX and XXXX. I notified Bank of America as to the fraudulent nature of this claim as soon as it was posted. They opened a claim on the charge and credited the account with a temporary credit on XX/XX/year>. I had not heard anything back until XX/XX/year>, when my claim was resolved as " denied. '' At that time, I have searched through documents and can not get hard evidence about the reason why the claim has been denied. 

Bank of America claims that it is for XXXX of these XXXX reasons : *chip was present, *pin was entered, or *signature was provided. 

The only evidence linked electronically is an electronic receipt provided by the company. It does not have a signature, and claims this charge was made by mail or phone. ( If the claim is made by mail or phone, then the chip and/or the card were not present ). Considering it does not contain a signature, none of these XXXX criteria can be true. 

Most importantly, when I called on XX/XX/year>, to get more information on the claim being denied, their paper work in the claim says to call " XXXX '' between the hours of XXXX. When I called at XXXX, the call was bounced into an automated system. After waiting on hold for a representative, I was told the only department that handles these items is NOT at that number, that I have to call " XXXX '' between the hours of XXXX. At this time, I am unable to get more information about the claim, what proof has been used in this decision, and the basis for this claim being denied.
Product: Checking or savings account

They bill me a {$2.00} fee on  XXXX / XXXX /  XXXX   for ATM use, when I 'm not supposed to pay a fee.
Product: Credit card

On XX/XX/XXXX I noticed that Amazon had been changing my Amazon Store care for a prime membership that was not my prime membership. The additional prime  membership that was being charged to my card was a monthly membership while my personal membership is and has always been a yearly subscription. I did not note these charges initially on my store card because the statements were hard to decipher and rather than providing line items it would just state Amazon charge. Recently this was changed and I was able to note the charge. 

I reached out to synchrony bank who holds the amazon store card and was able to determine that this fraudulent activity started on XX/XX/XXXX in the amount of {$13.00} on a monthly basis on XX/XX/XXXX the amount increased to {$16.00} this came to a total of {$630.00} in fraudulent charges. Upon speaking with the bank they stated that I would need to ask for the refund from amazon directly. 

Calling into Amazon I spoke with a representative named XXXX, after much discussion XXXX  advised that she would be refunding the full {$630.00} to my amazon store card but claimed that she would have to refund it in batches. I did confirm multiple times that I would be refunded for the full amount over the recorded line. XXXX  stated that I would receive a confirmaiton email and stated the funds would be in my account within 5-7 days. 

Today XX/XX/XXXX I checked the account and noted that 13 transactions in the amount of {$16.00} were refunded back to my account for a grand total of {$200.00} which left me short of the total amount promised by {$420.00}. I called XXXX to report the descrepency and spoke with a representative named XXXX who stated they did not have access to the call and escalated me to XXXX. XXXX claimed she listed to the call but stated they could not honor what XXXX  had previously promised me and that I should contact syncrony to dispute the charges. I continued to ask extremely pointed questions which eventually lead XXXX to reveal that she in fact had not listened to the call, refused to let me speak with anyone else despite the fact she had been dishonest throughout the conversation. I asked for the subpeona address and ended the call. 

I called syncrony bank to dispute the charges as fraudulent and spoke with XXXX who did flag all of the charges and stated a new card would be opened but their research can take up to 60 days. I attempted to inquire how this could not have been caught as there should not be anyone with two amazon prime memberships. XXXX transferred me over to a manager named XXXX who did confrm that there was no such safe guard in place for consumers and that the issuance of a new card would not create a new trade line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent by mail to unfreeze my Transunion report. Forgot my pin. I sent my info by mail unfreeze having hard time getting actual help. Im in Mortage process this holding me up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my credit report. They are reporting this information without any validation of the account. Under the fair act 15 U.S.C 1681 a this is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My background check was submitted to XXXX by a company named accurate background checks. The went back over 11 years on the background check when they were only supposed to go back 7 years. Also they submitted an inaccurate charge on my record for reckless driving in XXXX XXXX Virginia in 2018 I have never been to XXXX XXXX Virginia. 
Below I have added my reference number for this background check from this company. XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX - XXXX XXXXXXXX XXXX  XXXX - XXXX
Product: Checking or savings account

XXXX trans. Without my knowledge for {$200.00} on XX/XX/XXXX by a name n number from Georgia I dont use XXXX. 
I dont even know a XXXX XXXX XXXX  XXXX XXXX XXXX Bank of America i contacted. Filed a claim Today XX/XX/XXXX. They emailed me and denied my funds to return back. 

15 years loyal customer and they tell me im not entitled to my money. 
They robbing you. Its not right. 
Its the principle i see others had the same problem. Taking months which is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : 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