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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On Thursday XX/XX/XXXX I called Bank of America to close my checking account, which had approximately {$1400.00} remaining in it. 


On the phone I was told that my options to settle the funds out of the account included ACH transfer for a {$3.00} fee that would take up to 3 business days. Unhappy with the fee proposed to close my account, I asked for an alternative settlement option. I was told that a Cashier 's Check could be mailed out to me without incurring a fee. I was told the Cashier 's Check would be mailed in 2 business days. I accepted this option as I did not want a fee, and the 2 business days was an acceptable timeframe for me. 

Today, Friday XX/XX/XXXX, having not received the cashier 's check yet via mail, I called into Bank of America to inquire if there was a tracking number they could provide for the Cashier 's Check. I was told by the first representative I spoke with that the Cashier 's Checks take roughly 2 weeks to arrive. When I told her that the previous agent on Thursday XX/XX/XXXX had confirmed a 2-business day lead time, the representative said that was incorrect.

I was transferred to the department that handles the issuance of these checks and they told me that they have no way to track the checks, and do not even have a confirmation in their system of whether or not the check was indeed sent out. She recommended that I continue waiting at least 10 business days from the date the account officially closed ( Mon. XX/XX/XXXX ). If the check has not arrived, then I can request a new Cashier 's Check, which will take 7-10 business days from that point.

This is entirely unacceptable from a major banking institution. They should 1. offer no-cost ACH transfers when closing accounts. or 2. Have actual controls and tracking system in place for checks that are mailed.

Having been told completely incorrect information that determined my decision to use Cashier 's Check, I have little confidence that the check will arrive in a timely manner now. I have no ability to view the status of the check. Bank of America is making it difficult and untimely to access my own money.

The first agent I spoke with today said she always recommends customers use transfers when closing out their accounts to avoid this type of issue, however they charge a fee to do so. This seems like a sketchy at best business practice and one that should be scrutinized by the CFPB. Bank of America does a considerable amount of harm to the working class in this country through their fee structure and ridiculously low interest rates for deposits ( being the key reasons I sought an alternative banking partner ).

While Americans do have freedom of choice to change banking partners, they should not be penalized for deciding to change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note my " Validation and Verification '' letter to Tek Collect Inc was received by the company on XX/XX/2019. To this date XX/XX/XXXX I still have not heard any response of an investigation and yet it is still being reported on my credit. This is showing as a " Medical Debt '' and also infringes on my Health Insurance Portability and Accountability Act ( HIPAA ) privacy. 

It has been more than 30 days and I request that this debt be deleted as no verification and validation has been done to confirm if this is my debt.
Product: Debt collection

Company failed to provide document bearing my signature stating I have a contractual obligation to pay them. I want this removed from my credit report Looking at my credit report back in XXXX of XXXX I saw accounts in collections and I never gave any company the right to share my information. One for {$58.00} which is listed on my credit report as account XXXX and another for {$92.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XXXX the XXXX XXXX requesting that they validate the debt AND show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I was sent bills on XXXX XXXX XXXX with itemized records showing procedures that were performed stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. Also, the medical bills I received revealed personal and medical information about me. I sent a follow up letter on XXXX XXXX requesting this information and they failed to respond within 30 days of receiving the letter. They are in violation of FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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
Product: Mortgage

I am not having a problem but would like this company investigated for misleading and predatory lending practices. They are promising homeowners cash for the equity in their home with no credit checks. While they may deliver on this the consumer is actually selling their home with the promise they can continue to live there but that would only be possible for up to five years and at market rent rates which do not get credited back to them. Also the promise of no maintenance during this time but when you read the fine print that is not entirely the case either. And then theres here is a possibility to buy it back later c but at market rates and a new mortgage so if they have bad credit they will never qualify for one. So basically for some cash out of equity they are giving away their home and could end up homeless. This is NOT OK! Not to mention fees fees and more fees.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX  Closed Closed onXX/XX/XXXXXXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX submitted the ftc violations 30 days ago
Product: Mortgage

Shellpoint / NewRez has not applied a payment made on XX/XX/2023 for the XXXX Payment to my mortgage account ( XXXX ) ( note that the check was dated XX/XX/2023 ) On XXXX and XXXX XXXX proof of payment was provided via screen shots of my wife 's XXXX XXXX XXXX XXXX ( XXXX ) Account. 

On XXXX and XXXX XXXX proof of payment was provided via copy of the XXXX check cashed by Shellpoint/NewRez on XX/XX/2023, a letter from XXXX stating XXXX the check was sent and cashed and the correlating funds were removed from my wife 's XXXX account. 

On XXXX XXXX, I contacted Shellpoint again, because the payment was still not reflected on the mortgage statement. Shellpoint responded with a letter that they could not find any error in billing, even though the XXXX check was cashed, and XXXX provided a letter stating such. I made an ADDITIONAL payment on XXXX XXXX, to avoid a late fee, and any negative impact on my credit, but I DO NOT CONCEED that the XXXX payment was not made on XX/XX/2023.
Product: Prepaid card

I received an American Express gift card as a gift from a vendor I work with. I received it on XX/XX/year>2024 for {$500.00}. I have tried to use it multiple times online, at various stores and it consistently gets declined even though it has a full balance and I'm entering all of the information in correctly. American Express does. not have any tips to troubleshoot and this seems like a frequent issue from my research.
Product: Debt collection

Amerifinancial solutions has been consistently harassing me with a bill for my sons medical expenses from 2 years ago and he has always been covered by Medicaid insurance. I informed them during the first call and called my insurance. My insurance did an investigation and found that the bill was paid and was not my responsibility and also spoke to the supervisor at Amerifinancial solutions and faxed them proof. They are still nonstop calling me trying to collect a debt and acting like they havent been in contact with my insurance when my insurance already resolved the problem. I have asked to speak to a supervisor and consistently told them to contact my insurance and they continue to run me around in circles and not stop harassing me.
Product: Mortgage

Beginning on   X/X/17  a  nd two other sub sequent times, Bank of America prepared loan documents requesting my husband sign documents when he was not on the mortgage application. When I brought the error to Bank of America 's attention, I was told that this was their practice and that my husband needed to sign on the note. When I continued to question this practice, I was told that this was correct and I needed to sign loan documents with my husband on the note even though he was not a borrower. After pushing back, I was told they would correct the documents ; however, af ter 2 other at tempts to sign loan documents, Bank of America failed to properly correct the loan documents. Afte r 3 faile d attempts to sign loan documents, with the incorrect borrowers being named, I decided to cancel the transaction. The stress in dealing with this caused me to miss 3 days from work. In speaking with a supervisor 's supervisor,  XXXX   XXXX , on   XX/XX/XXXX  I  was told that they would refund my appraisal fee for the inconvenience caused. T  oday,  XX/XX/XXXX , I was told they will not.
I wonder how many other borr  owers Bank of America has misguided into signing incorrect loan documents.
Product: Money transfer, virtual currency, or money service

someone hacked my XXXX  account and transferred money from my chase account.
Product: Money transfer, virtual currency, or money service

I reached out to Chase bank on a pending fraudulent charge and was told by the bank that they would put a hold on it and investigate the possible scam. Chase transferred me no less than 10 times over two days. On day 3 I was told I could only fight the charges via Chase 's secure messaging. Needless to to say that was XX/XX/XXXX and now I can not see any of the sent messages about the incident. After fighting for months ( XX/XX/XXXX ) - I received a letter on XX/XX/XXXX stating that Chase will be closing all my accounts. I go in today to screenshot all the messages I sent and Chase has deleted all my sent messages. This is been the most stressful experience in the 25 plus years that I have been with Washington Mutual / Chase
Product: Checking or savings account

XXXX. Wells Fargo has not sent {$150.00}. Check from years ago fraud.
Product: Debt collection

I have a debt listed on both my XXXX and XXXX credit report that isnt mine. Over 30 Days ago I disputed this information and they have not supplied any information. 

Ive never gone into contract with this company and Im not familiar with the original creditor.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 
Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Syncb / Belk Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit card or prepaid card

I called Citibank executive office and asked for XXXX and a guy named XXXX XXXX laughed at me and made more Deragotory comments after my initial complaint about racial discrimination. That call took place XX/XX/XXXX at XXXX and there is a screenshot attached. Futhermore the vehicle is now damaged from the leaking and has also ruined my garage. Here are 3 videos you can download files to large to attach. The video can be downloaded for free as a guest at this links - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for a secured loan in the year XXXX  or ever in my life unless you count a mortgage and auto loan as secured loan ; but specifically this was a " personal '' secured loan and I did not apply for it so it was obtained fraudulently. I have disputed with the credit bureaus and the creditor is unlawfully reporting it as verified as accurate when I know for a fact that I did not apply for receive this loan which means by definition this company is lying with the knowledge that what they are reporting is false. 

XXXXXXXX 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

XXXX XXXX XXXX XXXX have deliberately stopped updating my credit profile and denied me access to it since XX/XX/year>. I have made several attempts with the agency to correct all outdated and erroneous information they were reporting on it to no avail.
Product: Debt collection

I have had problems with this company before, trying to collect and debt they say I owe to XXXX XXXX but XXXX tells me I do not owe, I have {$0.00} balance due. I filed a complaint with CFPB before, and Midland responded via CFPB that they did not contact me, and that they do not collect medical debts. But I had proof of phone calls from XXXX on my cell phone from their company. Sometimes they call 2-3 times a day.
Product: Credit card

On vacation, calling from our car, I used our credit card to book a hotel room by phone through XXXX. My wife was looking at the website on her tablet. The XXXX page states the XXXX following reassurances : " And there are absolutely no booking fees. '' and on the lower left " Best Rate Guarantee ''. I was told during that call that the total was {$99.00} and that I would need to pay the separate {$15.00} pet fee at the XXXX motel. Upon paying that fee with our XXXX at checkout I asked for a receipt and was provided with the attached. It shows the room rate paid of {$82.00} on a XXXX ending in XXXX. This is not our card, but apparently that of the booking agent. Further, the XXXX WA address provided is not our address, but belongs with that booking agent card. Despite the no fee claim on the XXXX website, they have collected a hefty fee of over {$15.00}. Also, we interpreted Best Rate Guarantee to mean that a discount rate would be extended, such as auto club. In fact the {$99.00} represents a full price. We did not realize until too late that the terms of the Best Price Guarantee are limited to catching them within XXXX hours. XXXX is misleading and defrauding thousands of people each day since so many of us travel with our pets. Once home I contacted my XXXX card bank to dispute the fee portion only to be told by the Chase representative that XXXX " did provide a service ''. I was connected with a representative from XXXX and no resolution was achieved. I called Chase Bank again and asked to file a written dispute and was told by Chase Bank that no forms would be mailed. In addition to XXXX 's deception, Chase Bank is denying me my right to dispute a fraudulent charge amount.
Product: Prepaid card

I purchase a prepaid card from Netspend for XXXX while trying to activate the account I was not able to do so and the check cashing facility who sold me the card do not do refunds on prepaid cards. Upon contacting Netspend I was advised that prior to six years ago a purchase was made on a netspend account in which the charges was in error a provisional credit was given and I advised the representative the account was reconciled to a XXXX balance and I no longer used the card. Upon requesting my money back from Netspend I spoke with a supervisor I requested to the supervisor this was well over six year ago and I was never made aware of any balance due on this account nor was I notify of any past due amounts. I am requesting the return of the money on this separate account and for Net Spend to validate this debt by supplying me with copies of the receipts showing my signature. 
I would like to add this was during a time when I was making funeral arrangements for my mother! for Netspend to withhold my funds from a separate account six years later is of great concern : Also after speaking with the representative and requesting a supervisor I was placed on hold and transfer to another representative by the name of XXXX XXXX XXXX.
Product: Mortgage

On XX/XX/2017 My wife and I received a credit bureau notification that there was a change to our credit reports. Upon checking the change, it showed that we were 30-60 days late on our mortgage. My wife and I had paid the mortgage each month as required. My wife however had made partial payments in the month of XXXX and XXXX with the full balance being paid by the XXXX of the month. When speaking with our company Loan Care, they said that this happens a lot and on their statements, they say that partial payments are held and when the entire balance is paid, they release the funds. In this case, the funds were applied to the principle balance and from XXXX until XXXX, we had been late, and had been accruing late fees etc. and were never given a phone call to say that we were late nor a letter saying we were late. When we called Loan Care on XX/XX/2017, we asked why we were never notified and we were told that they did n't have to notify us since we are able to access our account on line. Upon speaking to them further they said that the issue happens often and that they were going to fix the problem and update the credit agencies and notify them that this a mistake. As of the writing of this complaint XX/XX/2017, the issue has still to be resolved and our credit reports are still showing us late. We have called no less than 6 times and spoken to several employees who have assured us that the issue was being taken care of and wold be expedited and fixed within 5-10 days. This was almost 50 days ago. We do n't receive calls back when we are told we would from management, our credit reports have taken an unnecessary " hit '' of nearly XXXX points and this company has done nothing to fix or help us when they said they would. Each time we call, we are told by another employee that the situation will be resloved and are given their apologies for the misunderstanding. We are both XXXX and pay our bills accordingly. On today 's date XX/XX/2017 we were told that the issue would take another 5-10 days and that there are XXXX departments currently working on our issue. This is the poorest customer service my wife and I have ever experienced and people who are dealing with this company need to be warned.