23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hi, my name is XXXX XXXX and Im sure youve been getting a lot of complaints from Bank of America customers regarding their AAA advantage card. I went to use my card yesterday and unbeknownst to me, it was declined. I figured there was an error in reading the chip at the grocery store so I just used another card and didnt think much of it. Then when I went to pay my bill today ( because it is the due date ), I noticed there was nothing to pay as there was no account information on the Bank of America app. When I called the customer service number I was informed XXXX XXXX bought out this card. I received no letter in the mail, no email, and didnt read anything about this on the Internet. I have yet to receive a card and the guy on the phone today ( who was not helpful at all by the way ) told me I should get it by the end of the month. He had nothing to say when I asked him several times why I was not notified regarding this change and customers should not have to swipe their cards to just be declined without knowing the reason why. I now have no access to my old statements, can not use my current AAA credit card until I have a new one, I have no access to pay bills online since I dont have a card to connect it to, and I would like information on how to transfer my balance to another lender who I have been with for years. I find this extremely unprofessional that Bank of America did not notify their customers, or XXXX for. that matter. Ive been a card holder with BOA since 2008 and its frustrating to say the least that we were not notified. The customer service representative seemed to have no information and I only got one Im sorry for the inconvenience out of him at the end of our conversation when he tried to make excuse after excuse not answering the questions that I asked him. Terrible! One very unhappy customer!
Product: Bank account or service

I had an account with Suntrust for over XXXX years. Both Business and Personal. Today without notice they closed all my accounts. I never received a call. Now on my wife 's direct deposit is going in and we can not get to that either. We XXXX opened this account XXXX. Now On my business account I was working with a client who gave me a bad payment and no Suntrust did not lose any money. But I can not get to my money either and I have a good standing for over XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company said we were 30days late for XXXX and it was only XX/XX/XXXX and reported it to Experian. As a result my credit dropped by XXXX points we have called several times and this company was rude everybody rude, lying, and downright trying to play you for a fool. They are con artist to the fullest.
Product: Student loan

I have been in good standing on my variable rate loan for the past 10 years that has been on autopay the entire time. In XXXX XXXX I received information that my student loan has been purchased and will be serviced by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The letter stated that I would not notice the difference, the transition would be seamless, and my auto pay will still be active starting XXXX XXXX. The first payment was never taken out of my checking account. XXXX stated that this was a computer issue and would be corrected next month. Well months later and the autopay is still not working and they are telling me that for XXXX it should work. I noticed another error 3 weeks ago when my XXXX payment was never taken out via auto pay. My interest rate starting showing XXXX XXXX in XXXX XXXX, when it has been XXXX XXXX for the past several months. When I inquired about the interest rate change they stated it was because it was variable that 's why it went up. After reviewing my loan documents and history of interest rate changes, I figured out that my account with XXXX was not reflecting the XXXX XXXX  interest rate reduction I was entitled to. I inquired with them on this issue around XXXX XXXX, when they contacted me to inform me that my payment was never received via auto pay. The customer service rep. stated that this was an IT issue and will be corrected in the next few days and would receive a follow up call. A week we by and I never received a phone call, so I started emailing the company to have a paper trail.  On that email response they stated that my interest rate went up because of the rise in interest rates, which is false. On XXXX XXXX, I called to follow up on the interest rate problem. I spoke with a manager for over 40 minutes explaining everything that happened over the past several months and she stated that she would work on the issue and call me back in 3-4 days tops. I followed up today XXXX/XXXX/XXXX, since I have not heard anything from the company. Today I spoke with another rep today and told him everything that happened over the last few months. His first replay was that it should go down to XXXX XXXX after my first auto pay kicks in. I was told 4 different things in the past month and nothing was fixed and it still shows XXXX XXXX  online. He stated that he is in a room with other customer service reps and really can not do anything. All he can do is write this up and send it to IT. I am completely fed up with this company and lack of transparency. I have been paying this loan for over 10 years and have never missed a payment. This company bid of the loan handing services and does not have the resources to handle the job. They are incompetent and should not be allowed to service student loans.
Product: Mortgage

My complaint is against Carrington Mortgage Servicers LLC. On XX/XX/XXXX they denied an offer for a short sale that was submitted. I received a letter dated XX/XX/XXXX stating that the short sale was declined. There were two other offers previously submitted the bank did not process any of the offers in a timely manner and was not responsive to the offers submitted. I believe this to have been an intentional willful act to further subject me to intentional emotional distress. The foreclosure proceedings began on or about XX/XX/XXXX and started shortly after the sale of the home. I've produced personal documents including bank statements and pay stubs several times and the bank was not responsive in processing the short sale offers. I believe they intentionally delayed processing of the offers. The last communication states that the loan is now governed under the Hud SLFS. Had they processed the offers timely the property would have been sold. Now they continue to send me collection notices the last one dated XX/XX/XXXX stating that I owe in excess of $ XX/XX/XXXX. They sold the home to me for $ XXXX the home is valued on or about $ 160k. I would like them to be investigated in relation to their negligent acts.
Product: Student loan

Transferred from great lakes to Nelnet in XXXX of XXXX. I went from XXXX to XXXX in one month on loans that have interest currently paused. Reporting that I am missing payments to the credit bureaus. No login info provided to check the website, so I can not get into my account at all in XXXX  months since transfer. Emailed twice, the first time after my interest statement on my credit report on XX/XX/XXXX and again on XX/XX/XXXX with no response. Wait times of XXXX hours + every single time I call, no matter time of day. Disconnected and representatives are not aware of financial info. No physical mail sent to me, nothing...
Product: Student loan

I have been paying on this loan for the past 8 years ( since 2009 ) and the balance has actually increased to more than what I borrowed due to the outrageous interest. I have paid more than $ 13k and the loan balance has only risen.
Product: Credit card or prepaid card

I made a purchase on my Macy Credit Card on XX/XX/XXXX. This was a large purchase as it was eligible for a 12 month no interest if paid before or on XX/XX/XXXX. Prior to this due date on XX/XX/XXXX I request a Covid-19 relief and per the two reps and audio recording, the minimum payment would not be required for two months and all promotional promo would be suspended for two months and the deferred interest would not be added. However on XX/XX/XXXX I received my XXXX statement showing the deferred interest was added along with additional interest despite having had the protection of the COVID-19 relief. Also, I received notification from my credit monitoring company of the increase which caused a negative impact on my credit report, dropping me down 10 points. 
The same day I contacted Macy 's at XXXX to have this mistake corrected. I was told 3 different lies. First, I was told that my Covid-19 protection expired on XX/XX/XXXX, which is not accurate as I have requested XX/XX/XXXX. Second, I was told the promotional promo expired on XX/XX/XXXX before I requested the relief, which is not accurate as all monthly statements from XX/XX/XXXX to XX/XX/XXXX showed the promotional due date as XX/XX/XXXX. The final lie, was despite me request the COVID-19 relief prior to the expiration of the promo balance, Macy/Citi did not approved it until the day after the promo expired on XX/XX/XXXX. 
I feel this company have operated in bad faith regarding Covid-19 relief. Phone recording should be reviewed from my call on XX/XX/XXXX at XXXX XXXX. as well as previous call in the month of XXXX regarding this account.
Product: Credit reporting or other personal consumer reports

XXXX is reporting that I have debt and collections with them when thats absolutely incorrect. I spoke to the collection agency and told them its incorrect and they should contact XXXX. I also spoke to XXXX and they stated it was a billing error and I also reach out to XXXX and its still on my credit report affecting my score and hurt me financially.
Product: Checking or savings account

I have an HSA that I was provided by my previous company XXXX XXXX. The HSA that I have a problem with is currently with " XXXX a division of Webster Bank N.A, member FDIC '' Now that have departed from my company, this bank wants to charge me a monthly fee to keep my account. So I used the funds and brought this account to a XXXX balance. I then called to close the account and I was told I couldnt do it, I need to complete a form and send it back. This process is so outdated its ridiculous, this bank allows me to login to my account with a finger print, but I can not close my account with a phone call or online?!?! 
Then I get the form via email today, they would like to charge me a fee of {$25.00} to close my account. When I asked the bank CSR what would happen if I did nothing, I was informed that I would continue to be charged fees even though my account is at {$0.00} I do not recall giving this bank permissions to put my account into an overdraft status so this is also concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I have submitted multiple request to Transunion, XXXX, and XXXX about a bankruptcy on my credit report. Unfortunately, they have yet to assist with removing this inaccurate information. The bankruptcy on my credit report is showing an unknown case number and they all differ from each other with every bureau. The filing date is also incorrect across all three bureaus. The closing date is also showing differently across all three bureaus. My name is not correct on any bankruptcy filings either.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX an inquiry was reported from XXXX XXXX and permitted by Equifax along with another on XX/XX/XXXX from XXXX XXXX. I did not authorize either of these inquiries therefore I contacted Equifax to have them disputed for removal and Equifax refused to accept the dispute which is a violation of my consumer rights. I have the right by law to dispute any unauthorized transactions on my report.
Product: Credit card or prepaid card

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I referred four family members in total to the chase sapphire preferred card. they all used my promo code/link to sign up and were approved. Unfortunately for the my XXXX XX/XX/XXXX referrals the refer-a-friend bonus points of XXXX each did not post on my statement. i reached out to chase 11 times via secure message and they kept advising to wait and wait. I waited after the 8 week period the date of approval and no bonus point have posted. they continually try to stall and say someone will advise in 5 days but the time period goes and no one advises on the issue. i reach out again and they provide the same response " someone will get back to you in five days ''. I've messaged and tried to speak to 4 different people with chase card services and benefits. I even provided the two peoples name with their information as was requested, but no one got back to me.

only 2 of 4 refer a friend bonuses posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to the Experian to notify them that there are some inaccurate accounts as a result of a data breach on their credit report for me. This is well over 45 days ago and I am unsure why this fraudulent inaccurate information has not been removed from my credit report yet. This is also causing an issue because there are several companies stating that I owe money on accounts I have not opened. I sent the bureaus an identity theft affidavit, identification, and proof of address yet these inaccuracies continue to report. Please see the attached affidavit and information sent to Experian
Product: Credit card or prepaid card

I requested a replacement card on-line & received an secure email that there was an 'issue ' & someone would get back to me withing 7-10 business days. I called Comnety ( regarding my BJ 's card ) to see if they could resolve & he could not. I have a {$1200.00} credit, so wanted the replacement card to use up the credit. Since they are delaying the replacement card ( kind of fishing there is a problem when they have my $ ), I asked for a refund, which he said would take a few weeks. 
Thank you for your assistance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2016 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

How am I supposed to make payments when XXXX XXXX was in full effect hindering all opportunities of income. On top of that it took unemployment almost XXXX XXXX to 2 years to render aid during that crisis. Along with that the company I was working for XXXXXXXX XXXX XXXX at the time was stealing money out of my paychecks this was on going for XXXX years before, during and after this alleged debt. I have proof of lawsuit filed against the company XXXX XXXX XXXX  along with proof that unemployment delayed financial relief. Between the company stealing money from my paycheck followed by XXXX, 4 months later. How can I possible manage any bill or bills for that matter. XXXX has taken advantage of this situation and is continuing to do so. The company XXXX XXXX XXXX  also took advantage of me, and united states government failed me during a natural disaster. I Lost Everything I was working hard for due to XXXX XXXX XXXX and covid-19. Santander doesn't care about its customer they hassled me nonstop during covid knowing of the situation. This is affecting not only my XXXX  state of mind but also my credit report. this should be removed from my credit report in Good Faith
Product: Money transfer, virtual currency, or money service

In connection with closing on a home, approximately $ XXXX of funds were wired by Citibank from our checking account on XX/XX/XXXX per the instructions received from the intended beneficiary ( closing law firm ) but were not received by the receiving bank. The funds were apparently received by a different bank, which bank returned the funds by wire to our Citibank checking account the next day ( XX/XX/XXXX ). After consultation with Citibank, a " XXXX '' was added before the beneficiary 's account number and a second wire ( of the same amount ) was commenced on XX/XX/XXXX and the funds again left our account. As of the morning of XX/XX/XXXX the funds from the second wire have not been received by the receiving bank or the beneficiary, nor have the funds been wired back to our account. Traces sent on XX/XX/XXXX and XX/XX/XXXX by Citibank have not been received by the intended receiving bank. On XX/XX/XXXX the beneficiary executed an affidavit certifying that the wire information provided to Citibank was correct and certifying, as of that date, that the funds had not been received by the beneficiary. On request by phone Citibank did not provide the name of the regulator to which a complaint could be submitted and instructed to call the Wires Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I own a XXXX credit card, an XXXX credit card and had a personal loan with XXXX. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I paid the balances on both cards and the loan. Totaling around {$12000.00} in payments. 

As of today XX/XX/XXXX the cards and loan information has not been reported to the 3 major credit bureaus ( XXXX, XXXX and Experian ). For the past 2 years the accounts balances, payments and other details have been rigorously reported 1 or 2 days after each cycle date but now without any valid reason the reporting stopped. 

My XXXX card was reported 48 days ago ( on XX/XX/XXXX ), my XXXX card was reported 39 days ago ( on XX/XX/XXXX ) and the loan was reported 36 days ago ( on XX/XX/XXXX ) ; this means that my accounts were not reported to the credit bureaus for the XXXX cycle dates. I have never experienced this situation with any other bank. 

VISA and MasterCard have specific requirements for the banks regarding credit bureau reporting.  XXXX XXXX clearly is not in compliance with these rules. 

I am in the process of financing a big ticket item purchase ( more than {$25000.00} ) and that is the main reason why I paid the XXXX cards and loan in full so my FICO, XXXX, and other scores will go up before completing the purchase. I have been waiting weeks for XXXX to do its job and update my information correctly. 

I called XXXX XXXX on 4 different occasions last week. I was told the accounts information will be sent to the credit bureaus on XX/XX/XXXX, that didnt happen. Then I was told to submit a dispute ( which I did ), then I was told that the accounts will be updated 1 or 2 days after the month end. Didnt happen. Then a supervisor said it may take a week or even until XXXX for my dispute to be solved. Nobody from XXXX was able to find out why this is happening or tried to contact a credit risk Manager to get a response. I understand that sometimes the customer service center is just the first point of contact with a customer but they are not even capable of escalating a complaint properly. 

More frustrating is that this is an easy problem to be solved. I had a similar case with another bank. I called the bank, the rep transfer me to a risk area supervisor, the supervisor verified the system setup and found the cause, then transmitted my file again. Two days later my updated information was showing on the credit bureaus. 

I am sure that if my account ( or any other customer account for that matter ) was past due, delinquent or over limit, that negative status will be promptly reported by XXXX the next cycle. Is unfortunate that XXXX seems to discriminate the reporting time frame based on a good or bad status. 

Next Wednesday I am planning to complete my big ticket item purchase ( as I can not delay it anymore ) and I expect that XXXX Bank will be able to resolve this situation and have my accounts reported to the credit bureaus by then.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian recieved letter XX/XX/18 I am a victim of ideninty theft and mail fraud XXXX XXXX is a result of ideninity theft XXXX did Not resolve ideninity theft reported XX/XX/2018 It appears the card numbers on this results letter from Experian changed XXXX last four XXXX changed to XXXX In my letter Experian was informed I DEMAND THE ABOVE ACCOUNTS BE VERIFIED WITH ORIGINAL DATED SIGNATURE OF AMOUNT OWED OR DELETED IMMEDIATELY XXXX never resolved ideninty theft. I have tried to get them to resolve They say resolved no explaination provided and reported me in retailation to LOWER MY SCORE Once more putting fraud back on XXXX elderly Americans that they know are targeted Experian does not accept FTC identity theft Report provided or provide the ORIGINAL DATED SIGNATURE FOR THESE AMOUNTS OWED ON ACCOUNT NUMBERS REPORTED FTC says ideninty theft can not be collected to protect consumers
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair 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 vaulnable 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: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account since XXXX of 2019 with multiple dispute letters I sent in the hope of removing this inaccurate XXXX XXXX - XXXX account on my credit report. It is tiring and expensive going back and forth sending dispute letters with XXXX and they do not mind reporting the same inaccurate information over and over. They continue to say that the account has been investigated and fully verified but it's still inaccuracies, missing information reporting. 

Under Sec 1681 of the FCRA, the credit bureaus must delete inaccurate, unverifiable, missing, or outdated information on my credit report. If this account is not reporting 100 % accurate, I request deletion immediately. 

Error as follows : This account is no longer reporting in XXXX  so this needs to be removed from my credit report. 
This account has been disputed previously still reporting missing information. 
What is the Monthly payment on this account? 
Credit limit is not provided Past due account is not provided. 
What is the date of last payment on the account? 
The remaining balance reporting in Experian is different from XXXX. 
You are reporting a different date account last reported. 
The comment on this account is completely different from XXXX to the comment Experian.