23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I called Bank of America to dispute transactions from the Service provider called XXXX. The amounts were XXXX, XXXX and XXXX, weirdly the agent took only the first too transactions and not the third. I had previously called the fraud line because my account suffered a large amount of identity theft and an account take over and many charges had previously been disputed including ones from similar. When I called I also told them that later credits from this same merchant were not credits for these transactions. I lost the investigation after three days because they assumed that I had been repaid by the same transaction I told them were not associated. I then called them back a second time for a reinvestigation on XX/XX/XXXX. I also informed them at this time they had failed to include the third transaction, but from what I can tell I still was never included. They then went back to re-investigate it but they have not done anything to date missing what I know are statuary resolution timelines of 45 days and failing to issue a provisional credit within 10 days into their continued research. I did provide a signed affidavit and they did tell me I would get a provisional credit that was a Lie. My understanding is that the responsibilities on Bank of America to investigate my claim within this time. And if they are unable to then I am not responsible. This is not the first time the bank has failed to perform its the last of the long list of issues with Bank of America not the following regulatory guidelines in the midst of my identity theft. Needless to say I would like to recover this money and I will not be working with Bank of America any further. Ive heard nothing back about this claim and I do believe they are not taking it seriously as I called many times. Regardless of their actual investigation at this point, it wasnt conducted in the allotted time and so I believe there has been a violation. Account numbe : XXXX XXXX Claim Id : XXXX
Product: Credit reporting or other personal consumer reports

American Express has placed a collection account on my personal credit report for a business account without my written authorization or a court ruling. This action violates 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1692 ( a ) regarding abusive, deceptive, and unfair debt collection practices. Additionally, American Express failed to credit the business account after accepting payment in the form of registered securities and negotiable instruments, which breaches their original contract and violates the Securities Exchange Act of 1934. American Express states that the business account is closed, yet the business account still remains open and still has a credit line attached to it. American Express 's actions violate the following laws : 15 U.S. Code 1666 ( b ) & ( d ) - The company failed to address billing errors properly and engaged in fraudulent billing practices. Billing Error Notices were sent in XX/XX/XXXX and XX/XX/XXXX, yet the business didnt receive a response. 15 U.S. Code 1692 ( a ) - They have committed abusive, deceptive, and unfair debt collection practices by definition. 15 U.S. Code 1681 ( Fair Credit Reporting Act ) - American Express added adverse information to my consumer report without my written consent, violating my right to privacy and fair reporting. They are also in violation of compliance procedures for reporting inaccurate information. On multiple occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), American Express accepted restricted endorsed negotiable instruments, payment vouchers, and registered securities but failed to credit the business account. This violates their role as a Security Transfer Agent under the Securities Exchange Act of 1934. The failure to credit these payments also breaches the Electronic Funds Transfer Act. I request the immediate removal of the American Express collection account from my credit report as it is inaccurate and no contract was given. I also request an investigation into their unlawful and deceptive debt collection practices and appropriate penalties. Please find the attached supporting documentation regarding the payments and the dispute notices sent to American Express. XXXX v XXXX highlights the importance of providing accurate information by credit bureaus and what happens when a credit bureau fails to abide by applicable laws. Any change in contract made by American Express is declined and not accepted.
Product: Credit card

XXXX XXXX XXXX XXXX Credit Card Synchrony bank opened in person in a XXXX XXXX promotion in XXXX XXXX, NJ on XXXX a temporary shopping pass was issued, was told I will be receiving the card in the mail. I authorized a purchase in store that day and XXXX other purchases in NJ as follows ( fully paid for at this time ) : XXXX : XXXX, XXXX XXXX, NJ, XXXX : {$250.00} ; XXXX : XXXX, XXXX XXXX, NJ, XXXX : {$34.00} ; XXXX : XXXX, XXXX XXXX, NJ : {$26.00} ; XXXX : XXXX, XXXX XXXX, NJ : {$35.00}. I never received a card as promised. When I logged into my account on XXXX to pay the charges, there were new charges in XXXX from Florida stores totaling over {$350.00}! charged by a thief before I ever received it! Synchrony has duplicated the fraud transferring the amounts to a new account in my name! I asked them to cease and desist this but they have not! I demand this matter be investigated and resolved immediately! I will seek full criminal and civil prosecution under the law.
Product: Debt collection

XXXX XXXX says I got service in XX/XX/XXXX at a address that I do not live at and now owe a collection of {$430.00}. I have been living in the same house since XXXX. Asked for a signed contract and they could not provide one.
Product: Bank account or service

I attempted to make a payment using my mobile PayPal account on my phone. When I thought I had sent the payment I was enrolled in the PayPal Credit program and the very small payment ( appr {$22.00} ) was paid by a " pre-approved '' PayPal Credit. I would n't have even know I was enrolled unless I had received an email " Congratulating '' me! I NEVER intended to enroll and there was no XXXX verification step to confirm I wanted to. 
The problem is, I am in the process of securing a mortgage and trying to maintain a high credit rating. PayPal through this process has submitted a " hard '' credit check on my credit report which could hurt my credit rating as well as my ability to secure the loan!
Product: Mortgage

I received a notice the week of XX/XX/XXXX, dated XX/XX/year> from CrossCountry Mortgage stating that my hazard insurance with XXXX XXXXXXXX had expired and that if I did not provide my insurance information immediately they were going to proceed to purchase " more expensive coverage with less coverage. '' I proceeded, via their email portal and phone to attempt to contact them regarding why my insurance " expired ''. I have an ESCROW account with CrossCountry Mortgage where, since the inception of my loan, they have always paid my insurance premiums to XXXX XXXXXXXX. I also called my insurance company, XXXX XXXXXXXX, who informed me that they the reason my insurance expired was due to a lack of payment. They informed me that they sent an invoice to Cross Country LLC on XX/XX/XXXX for the {$2500.00} insurance payment which was due XX/XX/year>. They did not cancel my policy until XX/XX/year>, which is when my payment grace period ended. Therefore, CrossCountry sent me a notice of expiration of a policy that hadn't even expired yet. Once expired, XXXX XXXXXXXX let me know that the cancellation then back dated to the due date of XX/XX/XXXX. It is now XX/XX/XXXX and after several emails and phone calls leaving a voice mail to corporate at the numbers of : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I can not get through to anyone. I finally spoke to a representative named " XXXX '' at a local branch office in XXXX, CA ( phone number XXXX ) who told me that " CrossCountry out-services their escrow payments and recently has switched companies causing a lot of problems by not meeting deadlines. '' He assured me that they would fix it for me and gave me this number directly. This was today, XX/XX/year>. That number is : ( XXXX ) XXXX. I spoke to a representative at said number and they told me that because my insurance provider has a " XXXX '' rating '' and not a " XXXX '' they do not meet " criteria '' and so they did not pay them to renew. Then they sent me the notice of expiration on XX/XX/XXXX, that I received on XX/XX/XXXX. She claimed that they sent me another notice via US mail in that notified me of this rating issue that I never received, nor was I given a phone call or email to follow or ensure that I had proper time to find an insurance company of my discretion that did meet their NEWLY IMPOSED rating. I asked this representative, who refused to give me her name, to speak to the person in charge of theses decisions and she put me on hold and then disconnected the call. These actions are unethical, against my rights to choose my own insurance company, and have set me up to have no choice but to be charged whatever they see fit for whatever substandard insurance they choose ( their words ).
Product: Money transfer, virtual currency, or money service

Dear CFPB, Sorry I had to file complaint again and my previous complaint got closed without my consent. 

XE claims that I didn't meet regulatory requirements, but they don't clearly mention what regulatory requirement I have voilated. 

They think they simply mistreat customers for no reason and trying to escape in the name of regulation. They are accountable and answerable to customer before they deny a service. I will fight this case until they clearly state what I have voilated, I am NOT accepting any wrong doing here to get rejected in the name of regulation. 

Thanks and Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not give this company permission to pull my credit
Product: Debt collection

This matter stems from a rental property in XXXX XXXX XXXX, XXXX owned by XXXX XXXX XXXX. My son and I moved into the property on XX/XX/2016 after moving from XXXX. Once in the home it became apparent there were several urgent repairs needed. I contacted XXXX XXXX about the problems and they told me someone would be coming out to do repairs but they never did. I continued calling as at this point the fence had fell in ( just to mention one thing ). XXXX XXXX was well aware when we moved in we had dogs and the fence was mandatory. Finally, after 2 weeks of attempts to contact them, instead of making necessary repairs, they served me with an eviction notice. I was working for a law firm so they reached out to XXXX XXXX 's legal counsel and a made settlement agreement for {$1700.00}, this included 30 days of rent and half the security deposit. It was agreed we would vacate XX/XX/2016 and no further collection efforts from either side would be pursued. 

It is my understanding Hunter Warfield ( a collection agency ) was hired by XXXX XXXX XXXX to collect {$1900.00} from me in violation of our settlement agreement. I have sent Hunter Warfield the settlement contract from XXXX of 2016 along with receipt of payment at least 3 times. In response they sent me the settlement agreement back and said their client ( XXXX XXXX XXXX  ) confirmed the debt. 

At this point there is no way they do not know this was settled but it is still listed on my credit report. I have been trying by mail, phone and email to settle this matter for more than 2 years now. Hunter Warfield will not cease collections and have the collection removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, USDOEXXXX Account number : XXXX XXXX Account number : XXXX USDOEXXXX  Account number : XXXX USDOEXXXX Account number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

XXXX XXXX, Issurer of Walmart Mastercard, continually shifts log in methods rendering it difficult to monitor the account. THIS IS A SECOND COMPLAINT ABOUT THE SAME ISSUE. Their online service will now not accept my passcode. Their online service offers two ways to reset passcode, by text or phone/voicemail. Their system would not accept by phone/voicemail, offering text only. I DO NOT TEXT. I HAVE ONLY A BASIC PHONE. I 'm going on XXXX years old. very few elderly text, so they are discriminating against the elderly. Then, in a telecom, XXXX manually sent me a 4 digit code to put in so that I could reset my passcode since XXXX 's system refused to accept my original passcode. That code was was repeated electronically over and over until I hung up, which was XXXX. Synchrony 's system refused to accept the code given, XXXX. I can not view my recent activity and I suspect XXXX and/or Walmart are hiding something or discriminating against me to the extent that I will just quit and pay whatever they say I owe. THAT 'S NOT GOING TO HAPPEN. AT THIS JUNCTURE, IT APPEARS TO ME THAT THEY ARE " CUTTING OFF THEIR NOSE TO SPITE THEIR FACE ''. So they want to play games, they came to the right place me being from XXXX, NY, and a staunch supporter of XXXX XXXX, hopefully one of our next Presidents. I am going to pay off the paltry balance and put a " FREEZE '' on the card. I have other sources to utilize so Synchrony wo n't even get the XXXX cent or so swipe fee. Walmart is a criminal enterprise anyway, having been convicted of criminal offenses, stated upon information and belief. Myself, no criminal record, no traffic record, no nothing.
Product: Credit card or prepaid card

My complaint is that Capital One has TOLD me that it will transfer my and my family 's account from my Capital One Venture Visa card to a Capital One Mastercard. This mandated change is WITHOUT my authorization, my approval or prior knowledge of the move. The move will be done by Capital One with no recourse to its decision. This is a time-sensitive issue. 

Capital One made the capricious and unauthorized mandated decision to move the account of this long time, senior citizen and my family 's from the Capital One Venture Visa card to Mastercard mandating NEW card numbers. This move is without explanation or logic. It requires this almost XXXX-year old person to change our Visa numbers stored on hundreds of online sites and for recurring financial dealings to the new numbers. My family have spent years establishing our individual Capital One Venture Visa card numbers with these sites and vendors. The new Mastercard will have the same benefits of the Capital One Visa Venture Card. Where is the logic for this MANDATED change? Also, if I apply for a new Capital One Venture   Visa card in ADDITION to the mandated Mastercard assigned to us, my credit rating takes a hit because of the added credit card to our credit report. If I close the Mastercard account on my own, and obtain a Capital One Visa Card, my credit takes a hit because I have closed the account, not Capital One!

I have called Capital One Venture Visa numerous times to ask for a reversal of this mandated decision, but to know no avail. I have written the CEO of Capital One, Mr. XXXX XXXX, but who knows if he will receive it. I have spoken with one of our Michigan US Senator 's staff with my complaint.

I have never owned nor do I wish to own a Mastercard. Visa is approximately 50 % of the United States and Global credit card market. Mastercard is only approximately 23 % of the U.S. and Global markets. Our current Capital One Venture  Visa card is widely accepted and the Mastercard is not. My family and I wish to continue our association with Capital One as a Venture Visa card holders. We do NOT wish to change to a Mastercard. I want to know the value of " what is in my wallet. '' Thank you, XXXX XXXX, XXXX.
Product: Checking or savings account

Since I opened the account a year ago I have been getting charged overdraft fees. Ive written, called, and went in to tell them to turn it off. Now it is getting ridiculous. I am getting charged 2-3 times for every overdraft. {$72.00} for a {$1.00} overdraft. It is wrong in times where the world is in a pandemic. It is greed like this that has taken away humanity in the world. I am a XXXX XXXX XXXX with no job and no unemployment. I do not need my bank robbing me of XXXX  of dollars charging me 3 times per overdraft fee. I feel like it is illegal and wrong that a company can do this and get away with it.
Product: Checking or savings account

I received the following email regarding Bank of America accounts, that I do not have with the bank. Please advise as to what I should do. Received XX/XX/XXXX. I am deleting the email. 

Bank of America SECURlTY-ALERT You are receiving this email because we noticed a failed sign-in attempt to your account from an unrecognized device. 
Our system has blocked this sign in attempt as a security measure. 
In order to safeguard your account, we have temporarily restricted your account activities. 
You are immediately required to validate your account to restore your account privileges. 

Before you proceed, kindly make sure your debit/credit card is within your reach, as you will be required to verify your card details. 

Please note : Failure to restore full access can lead to permanent suspension of your access to our banking services. 

click the link below to validate your account. 

Get Started Best regards, B.0f.A XXXX XXXX XXXX XXXX XXXX XXXX. All rights reserved. NMLSR ID XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXXXXXX 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 XXXX5 U.S.C 1681 Section 602 A : s I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, 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 ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. 


And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer reporting agency if the person knows or the reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed an Account Type that is on my Experian Report. Experian is listing a previous account ; XXXX XXXX as, " Collections. '' This account has been paid/closed for over a year. I've disputed the way that Experian has this account listed on my report several times. When the dispute comes back it will say report updated. Review changes on your report, but there isn't anything changed. The report is exactly the same. This discrepancy is decreasing my fico score. I've called Experian, all I'm told is that this will remain on my credit report for seven years, which I am well aware of, but it should not be listed as potentially negative and account in collections. This account is not in collections. I've reached out to the debtor, XXXX XXXX, formerly XXXX XXXX and currently XXXX. This is a completely closed out account and should not be listed as " Collections. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes and verification request. The credit Bureaus have failed to respond in a timely manner, they have also failed to correct the mistakes. There are several accounts that are reporting different information to each Credit Bureau. I have brought these items to the attention of each Credit Bureau and requested that the inaccurate information be removed from my credit report. To day they have failed to make the necessary changes. 

XXXX Acct # XXXX has a different date of last of activity for each Bureau XX/XX/XXXX but Experian XX/XX/XXXX and date of last activity is XX/XX/XXXX The account is also showing as never disputed when in fact it has been disputed several times. Account shows a different high balance for each Bureau/// this account is inaccurate and needs to be removed from my credit profile. it is also over the statute of limitations. 

XXXX acct # XXXX has a different date of last activity reporting to each Credit Bureau/ XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX and XX/XX/XXXX for XXXX date of XXXX payment is different for each Credit Bureau also reporting an inacurrate high balance / Claims dispute were resolved when never investigated or provided results XXXX Account # XXXX reporting inaccurate information on my credit report // and should be removed different date of last activity to each Bureau different date of last payment XXXXeported to each credit bureau date of last payment different for each Bureau XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX activity is inaccurate reporting different information to each credit bureau date reported is different for each credit Bureau collection account showing 90days late XXXX times with no 30 or 60 days late reporting a high balance of XXXX to Experian which means nothing should be owed XXXX/ acct # XXXX date of last activity is inaccurate experian XX/XX/XXXX XXXX collection account showing late this XXXXs inaccurate high balance of 0 to Experian and {$140.00} to XXXX XXXX XXXX acct # XXXX shows a different high balance to each Credit Bureau date of last activity is different for each Bureau XXXX XX/XX/XXXX Experian XX/XX/XXXX and XXXX XX/XX/XXXX date of last activity is different for each credit Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.