23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has my old account listed as " Check Fraud '' with XXXX XXXX XXXX ( XXXX  ) '' preventing me from doing anything of importance with financial instuitutions. I contacted bank of America, XX/XX/XXXX, where I spoke to fraud, atm fraud, account closures and other departments to get the information I needed to prove my case. 

After several blind transfers, 4 hang-ups and the rudest supervisor I had ever spoke to with a condescending tone and very XXXX  attitude towards the situation, I was not able to get anywhere. I disputed the information with XXXX  in which they were able to prove something I was not, and I am involved. 

I stated that in XXXX, when my account was negatively impacted, BOA advised me to get a police report for the incident, but at the time, the police station stated that in order for me to file a report, I needed " evidence '' of what happened and something showing who was actually involved. BOA had this information but refused to release anythign to me. So, at that time, I said " forget it ''. BOA was to do a " PROPER '' investigation in which they would have seen I was not responsible for anything negative regarding the account. BOA failed this investigation and just labled me as the " accused '' because it was " easier '' but not factual. 

The account actually closed because there was an " electronic '' deposit that wasn't real. I had no way of doing this. How can I, a non-hacker without any hacker access, be able to ELECTRONICALLY deposit money that was never there? I have never been able to do this, and if you look at my banking history, it shows the same. 

BOA is now know to be the worse bank for the general consumer. They have screwed a lot of people 's files because of their lackadaisical internal processes that only helps the bank or their top dollar consumers. 

This just isn't fair, and I need advocacy. I'm starting here after failed attempts with BOA and XXXX. Then, I am writing the attorney general, and last, I will use my own attorney for a civil dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaints XXXX and XXXX were filed on XXXX XX/XX/2021 against Equifax for failing to re/investigate inaccuare/unverifiable information furnished by XXXX XXXX XXXX. Equfax responded on XXXX XX/XX/2021 claiming an investigation had been conducted and results had been mailed. 

Unless Equifax examined the documentation supplied and REMOVED the inaccurate/unverifiable information, it is unlikely an investigation was actually conducted. 

The offending information has been persistent on my credit report for over one ( 1 ) year with Equifax claiming its validity simply because the data furnisher reported it through eOSCAR.

It is quite clear from the attached documentation the information reported by Equifax, and furnished by XXXX XXXX is invalid and patently unverifiable given the errors perpetuated by XXXX billing and paymenr reporting system ( s ). 

XXXX 's failure to properly process deferments and forbearances, and subsequent failures in adjusting statement generation, and billing schedules has hindered my ability to borrow from the XXXX XXXX XXXX XXXX ( XXXX ) which is needed to finish my XXXX XXXX. The cited issue by XXXX IS the invalid/unverifiable information on my Equifax credit report for the XXXX XXXX accounts . 

By furnishing the invalid informaton to potential credit grantors, Equifax is now a party to impeding completion of my education program and is now affecting my future employment opportunities because it is knowingly and willfully reporting information that is patently invalid/inaccuarte and unverifiable.
Product: Money transfer, virtual currency, or money service

Contacted " XXXX '' for the purchase of a puppy golden retriever " XXXX ''. The charge was {$550.00} and there were text messages back and forth, transferred money via XXXX, and " XXXX '' disappeared the website went down. I filed a police report in XXXX XXXX County, and went to Wells Fargo with said police report, they said they could not help. Went to XXXX XXXX XXXX and they too said they could not help. I lost {$550.00} and no one is able to help with this fraud.
Product: Checking or savings account

I had funds in my account with Santander Bank that exceeded my Rent Check amount that I wrote on XXXX, XXXX, 2022. I set a transfer on Monday XXXX, XXXX, 2022 from one of my Santander Accounts to the one the check was written for to make sure that account stayed over the amount of my check amount of {$1400.00} for rent. I made multiple deposits until the XXXX, and Suddenly that night Santander charged me {$35.00} insufficient funds fee, when my current and available balance was over {$1400.00} with the supervisor claiming " your XXXX XXXX XXXX purchase of {$28.00} caused this, you having enough for groceries and rent, Tech support cant figure out why you were charged an overdraft fee, and we apologize that your check was returned, and charged an addition {$35.00} for returned check fee. '' I was charged {$70.00} in 24hrs due to HIGHLY ILLEGAL TRANSACTION MANIPULATION to squeeze money out of only god knows how many other customers they do this to on a daily basis. XXXX XXXX XXXX I had more than enough money to cover all of my expenses, had I never banked here and did transactions in cash, simply because I wanted the convenience of online banking I was made victim to shameless transaction manipulation of my checking account to charge me fees illegally, the company going as far to say, when you transferred money from one account to the other, " You must have selected the XXXX for the transfer date. '' I do these account to account transfers all the time, and never have I " accidently '' changed the transaction date. They are either reading from a script to maintain a quota of " Fee Collection '' and trying to keep customers quite or trying to keep their job from nefarious business practice initiated from higher ups. 
***For the record*** I maintained a positive balance each day until the transaction manipulation took place, and suddenly my {$1400.00} transfer from one account to the account the check was written for *disappeared* according to tech support.
Product: Credit reporting

Eqi ] uifax is currently showing XXXX XXXX account as open which is not true. That account been closed since 2011 please correct this information
Product: Mortgage

I currently have a mortgage with fifth third bank and I am in the middle of getting my mortgage refinanced elsewhere. It was supposed to close in XXXX. FHA needed some extra verification on a few things and once it was confirmed that we would not be closing in XXXX, I went in on XX/XX/XXXX to make my payment in cash. My mortgage was due on XX/XX/XXXX. My payment is being reported as of the XXXX and is being marked as 30 days late on my credit ; despite being made within 30 days on the XXXX. Currently, this reporting has pushed my refinance 1 month back and will potentially another month because they are not wanting to remove the late payment marking despite being made within 30 days. I have tried communication thoroughly in branch/through customer service ultimately leading me to a direct contact with an employee who manages credit reporting within fifth third. While my in-branch experience was great, they do not have control over the backend management of this case. The people actively managing my case are refusing to budge/remove this reporting despite being incorrect. 

Attached is the receipt I was given for my payment on my mortgage that was done on the XXXX.
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX I received an email stating my funds are available for withdrawal, but the system isn't allowing me to add a bank nor allowing to withdraw to credit card on file. Also system not allowing to withdraw By Check to primary address on file XXXX XXXX XXXX XXXX, XXXX XXXX, florida XXXX
Product: Credit card or prepaid card

In XXXX of XXXX I received dental care costing approximately {$4000.00} at XXXX XXXX in XXXX Colorado. Upon proceeding to pay for this care, I was offered a promotional credit card called " CareCredit '' by Synchrony bank to spread the payment out over a period of 2 years at 0 interest by the front desk staff. The staff never explained to me how the card worked in detail to include how the differed interest would take effect. Even so, I remember when initially setting up the account I selected an amount ( approximately {$170.00} ) that would pay off the balance in the allotted time frame to be auto-drafted from my checking account. Fast forward to XX/XX/XXXX, as I am going through my bank statements I'm shocked to see I'm paying Synchrony Bank more than 2 years later, as I had believed that would have been paid in full by XXXX of XXXX. I promptly contacted Synchrony to explain this to them, telling them I'm more than happy to pay off the balance I had left in XX/XX/XXXX immediately, but I believed that the nearly {$2000.00} of interest they tacked on at that point was clearly a result of misunderstanding or a mistake in my auto-pay enrollment. They said there was nothing they could do, so I requested they send me every document they have on my account to include account set-up forms, auto-pay forms and monthly statements. They responded with a broad agreement without my signature on it, and my monthly statements going back 30 months. They have not produced any records that indicate my auto-pay enrollment details as I requested. Additionally, searching my email I found that the first statement I have from them is from XXXX of this year, after the differed interest had already kicked in. From the date of the account opening to the date the promotional period ended, the only emails I received were marketing other promotional products which I don't remember consenting to receiving. In this way, Synchrony bank failed to keep me informed about the status of my account, while constantly marketing to me to flood my inbox with irrelevant information and cloak their predatory intentions. They never made any effort to inform me that the differed interest was about to kick in, a simple phone call at any point leading up to this that explained I still had a balance and the differed interest would kick in would have caused me to promptly pay off the remaining balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I called this creditor to obtain further information in this alleged debt. They could not provide me with verification and or why this is listed as a past due and collection, How is this possible? This is an alleged XXXX Debt of {$100.00}. Please remove this inaccuracy from my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX  / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

This is a complaint against Chase 's online bill pay. After talking with them on 3 occasions since Saturday XXXX/XXXX/XXXX, they acknowledge fault of this issue but say they 're unable to help me. 

XXXX - I configured online bill pay at Chase to send 60 payments to the car finance company, the first of which to go out on XXXX/XXXX/XXXX and reoccur on the XXXX of each month. 

XXXX/XXXX/XXXX - The final payment in a 60-payment series was sent. 

XXXX/XXXX/XXXX - I checked the payoff amount with the finance company after the auto payment was sent and there was a reported {$0.00} discrepancy. Not wanting to drag out receipt of my title and eager to close my account, I sent a one-off payment of the {$0.00} balance. 

XXXX/XXXX/XXXX I received notification from the finance company that they rejected the {$0.00} payment due to the account being closed. They either waived the difference due to its small amount, or the website didnt yet take into account the final payment. Either way, not a big deal. 

XXXX/XXXX/XXXX I also received notice from Chase via online secure message center that the {$0.00} payment was rejected and that We now need days to complete your payment and that if I set up a repeating payment theyll send it in time for the scheduled delivered-by date. 

Theyre making an assumption here that because XXXX rejected the electronic payment, future payments must be made by paper check. This is of no consequence to me, however, since the final payment already went out. But it turns out that it is my problem XXXX/XXXX/XXXX XXXX sends a 61st payment out. 

XXXX/XXXX/XXXX I contact Chase to find out why this happened and get bounced between 4 different departments. Im told its a paper check that went out, which means I would be able to put a stop on it. But then Chase says they cant do that because the finance company already accepted the payment and they couldnt reverse the debit. How could they have accepted a paper check in 1 day? How is a payment both electronic and a paper check? 

XXXX/XXXX/XXXX After some back and forth with Chases online research department, they say it was, in fact, an electronic transmission of the funds. Even if it was my mistake that caused a 61st payment to go out, they had no reason or right to change the day that was going to happen. I could have seen the payment scheduled online in time and canceled it before it went out. At the very least, instead of changing when my payment was going to go out, they could have just kept it at as a notification that I should review the payment method and leave it to me to make that decision. They agree with me that they were wrong, but then say they cant do anything about it. 

In the meantime, the finance company has my money in limbo for 7-10 days until they return the payment. Im like most Americans living paycheck to paycheck and have to deplete my minimal savings and put groceries on a credit card so my family can eat.
TL ; DR Chase cant count to 60, makes assumptions they shouldnt, changes to send dates of payments they shouldnt be allowed to, and then cant support or justify the assumptions and decisions they made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my file from XXXX XXXX XXXX ( Account number XXXX ) I disputed this account with the bureaus. They left it on the file. I contacted XXXX XXXX XXXX XXXX to resolve the issue. They told me they sold this account to another company last year. 

The bureaus violated my federal rights by leaving a collection on my file that the company who reported NO LONGER OWNED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act 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 a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XXXX XXXX  : DYCK-ONEAL Amount XXXX {$22000.00} I am disputing this claim due to : On XX/XX/XXXX a foreclosure hearing was held regarding property associated with mortgage loans with both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX the original holder of the mortgage was notified of said hearing. The outcome was a deficiency waiver. XXXX XXXX did not establish any claim or defenses legal or equitable and no relief was granted. All those who may or may not have been entitled to claim through or under the title or interest is absolutely barred and forever foreclosed of any rights, titles or interests. No personal or deficiency judgment was demanded. I have emails and court documentation supporting both the court litigation and evidence that the lienholders were aware of the foreclosure proceedings prior to the date of the hearing. 

XXXX XXXX subsequently filed an insurance claim with XXXX XXXX XXXX and were paid. XXXX then sold the account to DYCK-ONEAL. Because XXXX XXXX was barred from any further collection of deficiency the order would follow the chain of sales of account. 

DYCK-ONEAL has misrepresented the purchase from XXXX account as a personal loan. I and no one I know or are aware of have signed or agreed to any contract with DYCK-ONEAL. DYCK-ONEAL has no rights of collection. DYCK-ONEAL provided undated faulty documentation in XXXX 2 years after the foreclosure for their assignment of debt from XXXX. 

DYCK-ONEAL also filed suit in Florida where I currently reside on XX/XX/XXXX. I provided 100 pages of supporting documentation to both the court and DYCK-ONEAL on XX/XX/XXXX. Notice of lack of prosecution and courts motion to dismiss the action was sent to DYCK-ONEAL on XXXX case was dismissed by XXXX XXXX Florida court on XX/XX/XXXX XXXX
Product: Vehicle loan or lease

On XXXX XXXX, I filed Chapter XXXX Bankruptcy. I asked my attorney to reach out to my creditor Global Lending Services, about establishing a reaffirmation agreement for my car loan. A reaffirming agreement was sent to my attorney by XXXX XXXX XXXX prepared by a 3rd party representative for Global Lending Services the agreement was signed by both parties and filed on XX/XX/2020 with the bankruptcy courts. My case was discharged on XX/XX/2020. I contacted Global Lending Services by phone and email for several months trying to get them to update my account information according to the agreement so that my account would show as current however, each time I called customer service no one could help me or knew what I was talking about. I became concern about my loan going into default even though I was paying the amount identified on the reaffirmation agreement as stated they were still listing my account as past due, showing the original loan information prior to the agreement. Once my discharge was granted by the court XXXX XXXX XXXX began the collections calls every day, when I try to explain about the reaffirmation agreement no one could help me to understand what the issue was they just wanted me to pay the past due amounts they had listed on my account. Finally in XX/XX/2020, I was forwarded to a representative by the name of XXXX who told me she could not do anything until she heard back from XXXX XXXX XXXX  who handles their bankruptcy case this is a 3rd party representative. On XX/XX/2020 GLS 3rd party representative reached out to my attorney implying the original reaffirmation agreement sent by them to my attorney and filed with the bankruptcy court on XX/XX/2020 was incorrect and I would need to sign a new one and file it with my bankruptcy case which had already been discharged as of XX/XX/2020. I refuse to do this when I already have a legal binding document filed with the bankruptcy court agreed upon by both parties and approved by the bankruptcy trustee. As of XX/XX/2020, I am still waiting for them to honor the original reaffirmation agreement signed by both parties and filed with the bankruptcy court to be honored by Global Lending Services. My account with Global Lending Services has not been updated per the original filed reaffirmation agreement and they are reporting each  month the incorrect information to the credit bureaus showing me as past due. I can not get a response from anyone as to when the filed reaffirmation agreement will be honored by them and my account updated accordingly. If I can not get this resolved with CFPB help I will seek additional legal actions to get them to honor this agreement filed with the courts.
Product: Debt collection

Show Closed Accounts Collections XXXX - XXXX Last updated XX/XX/XXXX Balance {$1300.00} Account Details Derogatory Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance {$1300.00} Monthly Payment - Original Creditor XXXX  Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone Number XXXX Remarks Account information disputed by consumer, meets FCRA requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX  XX/XX/XXXX asking them to send verification of a negative account that is reporting on my report. XXXX XXXX XXXX : Original creditor- XXXX XXXX Amount {$350.00}. They just sent a letter back stating it was " verified that this belongs to you '' But NEVER sent how it was verified. This is direct violation of the FCRA. 
I also sent a certified letter to XXXX XX/XX/XXXX ( report # XXXX for XX/XX/XXXX ) asking them to send verification of a negative account that is reporting on my report. XXXX XXXX : Original creditor : XXXX XXXX XXXX. They only sent a reply that this account has been verified and that they will NOT reinvestigate. They NEVER sent information on how it was verified.
Product: Credit reporting or other personal consumer reports

I have sent NFCU a letter stating that I was exercising my right to opt out of the information being reported on my consumer report, per 15 USC 6802 as well as, 16 CFR 313.7 ( F ). Also taking back any authorization I may have given them. I have also sent a negotiable instrument in the form of an endorsed Security to NFCU and to their XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discharge the credit card debt stated on my report. My account was never updated which is being reflected on my consumer report. Since payment of the debt was delivered this is a violation of the FCRA for reporting inaccurate information. A copy of the security sent will be attached as well as, the notices I sent out to NFCU.
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON, IA M A LIVING HUMAN BEING.

I HAVE RIGHTS UNDER 15 USC 1681.

EQUIFAX IS GIVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE : ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY ADN I DID NOT GIVE EQUIFAX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS : XX/XX/scrub>XXXX XXXX