23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My credit card account with First National Bank of Omaha was paid in full in XXXX XXXX  XXXX. There was a {$0.00} balance following this payment. Following that payment the credit card was not used, no communication was received from FNBO. The card was inactive as far as I was concerned, with a {$0.00} balance. 

Today, XX/XX/XXXX I receive a credit monitoring alert about a late payment being reported and to my surprise its FNBO reporting this account as XXXX  days past due for a {$12.00} balance. I called and discovered that this {$12.00} is a finance charge. I was never contacted by FNBO about this account having any balance that was due at all, as I paid the account in full in XX/XX/XXXX. I received nothing from FNBO. Not an email. Not a call. Not a text. Not a letter. Nothing. There was absolutely no communication from them regarding this balance being owed. This balance is not a charge made by me, it's a charge put on the account by FNBO and was never communicated to me by FNBO. This has completely destroyed my life and is going to lead to me ending up homeless because FNBO failed to communicated.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that THE BUREAUS would verify the debt. So I took it upon myself to ask THE BUREAUS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Student loan

My loans are repeatedly sold and resold without my knowledge! I 've been paying ( actually overpaying ) faithfully for well over 2 years now, only to learn that I am in " default '' with NAVIENT and XXXX because the latter sold to the former ( without my knowledge ) and payments continue to go to the latter. THIS HAS GREATLY AFFECTED MY CREDIT RATING NEGATIVELY and has caused great financial and professional injury. Moreover, XXXX, the lender I came to terms with years ago and continue to send a check from my bank weekly, FALSELY REPORTS A HISTORY OF NON PAYMENT LEADING TO CHARGE OFF STATUS, as does my current loan servicer NAVIENT. I 've never had any way of knowing that NAVIENT now services the loan ( s ) until a check of my credit score, EVEN AS I WAS IN DIRECT AND REGULAR CONTACT WITH XXXX, who I had been paying faithfully. Finally, XXXX lied to me when telling me that if I paid faithfully ( no payments missed and on time ) for " 6 months '', all derogatory entries regarding the loans would be removed and loans would appear as " good standing ''. THEY DEFRAUDED ME IN THIS RESPECT AS WELL. They never did what they promised, even as I have NEVER MISSED A PAYMENT and have paid them WEEKLY ( a check every week ), when I was only required to pay them monthly - cashiers checks from XXXX - ( did this to ensure I would never miss a payment ) .This is unfair, unjust and should be investigated as illegal.
Product: Credit card or prepaid card

I currently hold a credit card with Apple through Goldman Sachs. I made my payment on the card for XXXX on XX/XX/XXXX, but on XX/XX/XXXX they drafted 4 more payments that were not authorized. When I contacted them after the first payment drafted I asked them to cancel any and all payment drafts that were still showing. Every hour following I continued to receive notifications that payment was drafting. After each notification I kept calling and asking that they cancel them and they refused stating you need to contact your bank and have them cancel the payments because it looks like there was fraudulent activity on your account. When i asked if they would reimburse me any fees that were incurred because of this fraud the rep said he would notate my account. I had to contact my bank to put a stop payment on all of the amounts. I then proceeded to have billing issues with the devices that I had on installments with the Apple Card and reached out to the Goldman Sachs representatives who claimed that in order for my billing issues to be resolved I needed to add a bank account back onto my account with them. I asked to speak to a supervisor again and they only said that there were no other representatives that I could talk to and did nothing to resolve my issue or answer any questions. When a different supervisor reached out to me she stated that they would not be waiving any future fees that should post because they already waived 1 {$6.00} interest fee and was very condescending when I tried to explain what I could see on my end and how it wasnt matching up with the information she was giving me. All of the representatives and supervisors have told me different stories in relation to my account and multiple have told me that they would not be doing anything to protect me from the fraud that they claimed they could see on my account. The last supervisor I spoke with claimed that I will be paying interest for the next 2 months following this issue and when I asked Why if I pay off my card every month? She said it rolls over from the previous months balance. When I asked why there would be a rollover if there was no previous balance she said thats just our billing policy. I believe that violated my Fair Credit Billing Act to be charged interest in a situation where the Goldman Sachs Apple Card reps themselves are telling me that they are noticing fraud on my account.
Product: Checking or savings account

Daughters XXXX  checking accounts were overdrawn which offset my account they put a restriction on my account and took their fees out on XX/XX/XXXX called the bank customer service. They told me it was the branch, but that I needed to put money into the account through the ATM went to do that couldnt add any funds into the account of course because it was a holiday. Didnt hear from anyone until XXXX XXXX, they were actively trying to figure out what was going on. Customer service said the branch did it the branch said the customer service did it? I kept calling back-and-forth being put on hold numerous times spent XXXX minutes on hold trying to get in contact with someone from the branch a week later they told me my account restriction was lifted. I could go into the bank on Monday the XXXX and get a temporary card which I did I can see debit transactions coming out, but not for where they were made through purchases. It just states miscellaneous debit, continue to pay bills through my routing and banking account number rather than the debit card and the transactions were denied so I acquired bounced check fees through Company that was supposed to be paid car payment, cell phone bill, credit card payments, all were returned, even though there was sufficient funds in the account. Called again today on the fourth and was told that my account is still restricted even though I was told the account was restricted lifted on XXXX XXXX only to find out I can only make deposits and everything was being denied transactions yet another complaint with the company, and I am now waiting to hear back from someone from the branch or customer service The bank is XXXX  XXXX XXXX of pennsylvania
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You [ XXXX XXXXXXXX ] replied that the alleged transaction you furnished as late was { accurate/ verified } but my previous dispute did not ask you for accuracy or validation. 
I the year and months of { XXXX, XXXX, XXXX and XXXX, XXXX, XXXX } you furnished to { XXXX, XXXX, } put the CRA that is reporting the late payment } an alleged transaction as Late. 
15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I requested the information that must have or possess by law in order for you to furnish a payment as late.

This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met.

You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. Please provide the certified mail tracking for these letters It has been over 30 days and you have not properly verify the information.

Id. at 1303 ; see also Blacks Law Dictionary ( 11th ed. 2019 ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ).

Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified.

Hinkle, 827 F.3d at 1304. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account.

Delete the information you are furnishing to the Consumer Reporting Agencies as late from account : [ XXXX ] Your Name _________________________________ Without Recourse XXXX XXXX
Product: Consumer Loan

They are trying to charge me for a lease return for body damage that was repaired by a certified body shop at the XXXX dealership. I have paper work that shows what work was done and what they are trying to charge me the car was turned in on XXXX/XXXX/2016 and was not inspected until XXXX/XXXX/2016 by ally bank and I 'm not in good health and this is stressing me out.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I inquired about this XXXX XXXX from XXXX  XXXX. On XX/XX/XXXX we negotiated and agreed on price. The representative sent me a link to apply for loan. I provided personal info and completed the application. On XX/XX/XXXX, XXXX XXXX called me and on the same day ran my credit. My credit score took a hard inquiry. After that, they ghosted me, and I never heard back. Today, XX/XX/XXXX, I texted them with no response. I checked their website and the vehicle I was interested in buying is gone! Now they have my info and damaged my credit. If they didnt intend to sell me the vehicle, why even get my personal information? Attached are text message from our conversations.
Product: Debt collection

The company, XXXX XXXX XXXX XXXX XXXX ), if it is an actual company and not scammers, is claiming to collect on an old payday loan from Check N Go and is using shady tactics ( via robocalls ) such as threatening to come to my home and place of employment so I can sign so " documents '' as well as harassing me by calling my phone back to back all day long which is a violation of the FDCPA ( so far today they have called me at XXXX, XXXX, XXXX, XXXX, XXXX, and again at XXXX in which they called 3 times within XXXX seconds ). This company is also spoofing numbers to call me which technically is a violation of the FDCPA because they are not properly identifying themselves by using their own company numbers to call. I have provided the voicemails left on my phone over the last 2 days from this company. I pulled my credit reports and this debt they claim I owe is not even listed on them anymore, so I think they might be trying to collect on old debt that might be beyond that time frame allowable.
Product: Credit card or prepaid card

Chase Sapphire Reserve Card Benefit Services denied claim for cancelled flight that required booking on another airline ( XXXX ) at the {$1200.00} higher cost to get me, my wife and daughter home to the US. I was finally reimbursed {$840.00} by the cancelling airline ( XXXX XXXX ) which I advised Chase, and restated my claim for the remaining difference I was out, $ {$380.00}. Chase was called several times about my Claim No. XXXX, and the various reps kept asking for the same paperwork ( 17 pages ) that I originally submitted XXXX XXXX. The last call was a month ago ( XX/XX/22 @ XXXX ) and the rep ( XXXX XXXX said she'd look further, and was again advised that the claim was reduced to {$380.00} from {$1200.00} due to refund from XXXX  of {$840.00}. NO response. 
I pay a high premium for this " service, '' which is no service at all, administered by folks that are more intent on denying the claims with no valid explanation, in at that in an untimely manner. This has been over half a year. Chase has multiple copies of all of the documentation. 
The alternative to coming home from my son 's wedding in XXXX XXXX XXXX would had been to stay in the hotel ( availability? ) for two more nights and meals for three people, if we opted to take the offered rebooking on XXXX XXXX three days later that would not get us home until mid-day the 4th day. One rep said that would be covered expense for cancelled flight. Easily the covered costs for hotel and meals for three of us in XXXX could have exceeded been {$1500.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX and again today ( XX/XX/XXXX I have been completely locked out of my American Express blue bird account. I cant access via mobile or website, no online purchases and can not take money out of the atm. No one answers the customer service number and when they do they give a quick rehearsed speech then hand up
Product: Student loan

have private student loan through american education services and XXXX. have been paying on this for 10 years and only {$300.00} has been applied to principle. filed this complaint earlier and have not gotten any response yet. they are harrassing my sister who co-signed loan and threatening to sue her. i dont hear anything from them. have asked repeatedly for copies of payments and how they were applied. i am only able to get from 2009 to now on payments from their website ...
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, and XX/XX/XXXX three inquires has showed up on my credit report XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX
Product: Vehicle loan or lease

i listed everything with the attachments but they have been calling me like crazy sending tow trucks to my house and harassing me the car leaks fumes and has electrical problems. The person who had the car before me modded it was a drag car and i have been exposed to carbon monoxide so have my children.
Product: Credit card

I am a victim of identity theft. My email was changed fraudulantly on my Avant Credit Card and when I contacted them they refused to change it back. The fraudalent has access to my entire Avant Credit Card account and has made charges, changed the mailing address, used my attached bank account to make a payment of {$240000.00} to the card and ordered new cards sent to the fraudulant address. 

I have contacted Avant on XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> spoken with the customer service, customer service supervisors, 3rd party fraud check and they refuse to restore my account access, or close the account or honor any requests until they review in 5-7 business days per them. In the meantime the fraudulant actor has open acess to this account. I have provided all resquested information to Avant, sent emails indicating I am a victim of identity theft. The CS and Supervisors and 3rd Party Fraud all agree I am the account holder but have no power to change the email back to my email or restore my access until they claim " fraud will review ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

AAG ( American Advisors Group ) refuses to supply the FCRA clause that allows companies to verbally access a consumers credit report. Attached is the letter they continue to send but they do not supply the legal reason. It appears they are not fully knowledgeable of the FCRA Section 604. AAG continually states they had legal permissible purpose but will do nothing to defend. I will not give up until they supply the legal that allows them to use verbal permission to access a consumers credit report.
Product: Mortgage

We place our condominium in XXXX RI on the market XX/XX/XXXX. The best offer was {$85000.00} -- well below the {$120000.00} we owe the mortgage holder ( Citimortgage ) so we applied for a hardship short sale, based on this extreme loss of value and my impending unemployment from my company of 15 years. 

It is now XX/XX/XXXX and we still have had not decision by the bank. They have requested the same documentation from us at least 4 times in the past year ( XXXX, pay stubs, self-employment income, etc ) and have repeatedly sent us offers for " trial period '' payment schemes that provide no interest rate, term of loan or outstanding balance. 

We have a short sale attorney working for us, but they too have been unable to get responses from the bank despite many many requests for resolution.
Product: Checking or savings account

This is my second complaint or follow up on my previous complaint XXXX. As they failed to provide me with the temporary credit due to my lost card, right after I filled my first complaint with CFPB they made sure they close my claim the very next day with the explanation the customer has history at the location. Then when their resolutions XXXX contacted me she informed me that my claim is denied for a second time, this time with explanation given that there were transactions between the disputed ones and that I should contact the claims department for more details. All the other lies and timeframes that were given to me by her agents werent even mentioned. Anyways I called the claim department to check which ones are the transactions between, we come to the conclusion that whoever was taking my claim the night I called had included wrong transaction that was done the day before, they went ahead and reopen my claim now for the third time but my money were not given back to me even as a temporary credit as they call it that should be added to the account by the next business day. Since day 1 I reported my card lost, they keep doing mistakes that they dont take responsibility for from telling me 3 different timeframes when would I receive my temporary credit, to be told your temporary credit is denied without any reason stated, then once I file a complaint to CFPM they go ahead and speedy deny my claim with explanation really not suitable to be given by official of nationwide XXXX XXXX XXXX its suitable to be given by someone who has no education or training in this matter. Then the second denial is due to a mistake of their own employees. And upon my insisting to receive the temporary credit today, my phone call was dropped by their supervisor. 
Anyone stay away from them as they do not take any liability when fraud happens instead they will keep finding imaginable reasons who are not backed up by any fact just not to pay what you have lost even tho you report promptly with a police report! As their website says 0 liability for fraud activities as long as they are reported promptly could be true if it was followed by 0 liability for Bank of America Ridiculous, Unprofessional and more importantly LIARS
Product: Credit reporting

The account XXXX, account # XXXX does not belong to me. They have not provided Experian verified documentation to ensure it is me.
Product: Credit reporting or other personal consumer reports

Please remove the late payment from my account. 
I always pay on time. This is causing me a lot of XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint regarding the handling of an issue by Bank of America and XXXX, which has led to significant financial and emotional distress on my part. 

Approximately XXXX months ago, I initiated a claim with Bank of America due to an accounting error on their part. They erroneously charged my credit card account several XXXX dollars due to a misunderstanding. Despite numerous attempts to rectify the situation through extensive communication with Bank of America, the issue persisted unresolved for an extended period. 

Frustrated by the lack of progress and the financial impact caused by Bank of America 's error, I escalated the matter by opening a claim with the Consumer Financial Protection Bureau ( CFPB ). Subsequently, the issue was finally resolved after intervention from the CFPB, and I believed the matter to be settled. 

However, on XX/XX/2024, I discovered a drastic drop of approximately XXXX points in my credit score. Upon further investigation, I found that this decline was attributed to an " overdue balance '' on my account, which was, in fact, the same erroneous charge that Bank of America had previously acknowledged and resolved. Despite being assured of resolution, Bank of America 's negligence persisted, causing severe harm to my creditworthiness. 

In an attempt to rectify the situation, I promptly initiated a dispute with XXXX, one of the major credit reporting agencies, providing all necessary documentation to support my claim. Despite my efforts, XXXX XXXX response, received on XX/XX/2024, failed to address the inaccuracies in my credit report. The reported " 30 days overdue '' payment for XXXX continues to unjustly tarnish my credit history, solely due to Bank of America 's repeated errors. 

The relentless pursuit of resolution has taken an immense toll on my time, energy, and emotional well-being. Despite investing countless hours in communication with unresponsive and unhelpful customer service representatives, the issue remains unresolved. The incompetence and lack of professionalism exhibited by Bank of America have pushed me to my limits, and I am left with no choice but to seek intervention from the CFPB. 

I urge the Consumer Financial Protection Bureau to intervene promptly and compel Bank of America and XXXX to rectify the inaccuracies in my credit report. Furthermore, I request that appropriate measures be taken to compensate for the damages incurred as a result of their negligence. Failure to address this matter satisfactorily will leave me with no option but to pursue legal recourse, including seeking legal counsel to pursue further action against both companies. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX Attached documents contain : The XXXX dispute results, the original letter I had sent to XXXX regarding the dispute, as well as the original dispute I had submitted to the CFPB to resolve the initial issue of an accounting error of Bank of America 's.
Product: Mortgage

I did not receive at least 15 days notice on the transferring of my mortgage servicing rights. Citizens is transferring my loan services effective XXXX XXXX, 2016. The letter dated XXXX XXXX, 2016 was not postmarked until XXXX XXXX, 2016 in XXXX VA, I live in XXXX, MA, I revived the transfer notice when it on XXXX XXXX, 2016. This is not adequate time. Citizens knows this is a mortgage loan under the Section-8 Homeownership program, adequate notice must be received in order for the public housing authority and myself to respond and prepare for the mortgage transfer.