23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022 Bank of America started closing all of my personal and business accounts without warning or notice. I own the only Medicare Certified home health agency that services three rural counties in XXXX California. I pleaded with Bank of America to give me 30 days so that I could transition my payroll and other important business transactions to a new bank. But Bank of America would not respond and proceeded to close my business accounts, causing my agencies Medicare deposits to be returned to Medicare. 
This has nearly caused the closure of my agency.
Product: Mortgage

Multiple hours long calls and chats beginning XXXX of 2024. Loan Number : XXXX My mortgage was assumed by NewRez LLC from XXXX ( the servicer was bought out/folded into NewRez ) in XXXX of 2024. 

NewRez shows that XXXX made an insurance payment of {$2700.00} to XXXX XXXX XXXX in XXXX of 2024. However, this payment was never received by XXXX XXXX. This has been confirmed by conference calls between NewRez, my XXXX, XXXX XXXX and myself. 

In addition, a second payment was made to XXXX XXXX, this time by NewRez to make my insurance current. 

As a result, my escrow balance is now negative and the first {$2700.00} is now missing from my account. My escrow is now considered short and my monthly payment has increased to cover a clerical error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX, Balance {$15000.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$57000.00} ), XXXX XXXX  XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1600.00} ), XXXX XXXX XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$1800.00} ), XXXX XXXX  XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$13000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

I reported that I had charges on my card that i didnt make and couldnt account for. they took them off and told me I wasnt responsible. I received notification by phone and then by mail in the 3rd week of XX/XX/2020 that I was responsible for these charges and they would be  placed on my bill again. 
I was told by the card investigator " XXXX '' that the reason why was because i " paid on the the fraudulent charges '' ( I never knew they were on the statements, I was just paying like I always do monthly ... ) and that there was a return or return ( s ), I dont know for sure, she wasnt specific, on some of those unknown charges, so that couldnt be fraud ... so basically accusing me of outright lying to her. Even though I had signed and returned an affidavit swearing that I didnt have my card or make any charges, nor have knowledge of those charges, which I did not. I only found out that my card had this balance when a third party monitoring service text my phone. it was only then I realized my balace was over XXXX $ that I had no clue about. I called IMMEDIATELY at that time and reported the activity I had no clue had taken place. I had knowledge of ONE charge, at quality used auto. before that, by card had less than XXXX $ balance on it. I knew what my balance was and I dont use my cards. All my cards are XXXX. so the alert came in and said your balance is XXXX $ and I had a XXXX XXXX nearly! So, anyway, discover decides after their " investigation '' that they are putting it back on my account. Now they refuse to allow me to re report it as fraud to them. they refuse to give me a telephone number to their fraud investigator so that I can explain to them why I " paid '' on the " fraud charges '' I didnt know existed. the representatives I speak to can not help me and are not interested in my rights being violated by XXXX.
Product: Checking or savings account

This is a follow up to complaint ID XXXX submitted on XXXX/XXXX/2021 Chase returned MOST of the money but not ALL of the money. The fact that Chase returned the amount of {$3100.00} to us and kept ( stole ) {$980.00} from the initial claim, is 100 % proof positive that Chase knows they are in the wrong. 

My gut tells me these funds were initially sent erroneously by us, to an account that was idle and had a negative balance at Chase. I theorize that Chase used our money ( The {$980.00} ) which was clearly sent in error and applied by Chase in error from a wire without matching names, to satisfy the amount owed by Chase 's former client. Why else would they return part of the money and not all of it to us? Only because Chase used our money for their OWN BENEFIT to cover their balance from their client with no connection to us whatsoever. That is the only possible reason and it is frankly disgusting. 

We are owed the amount of {$980.00} as a result of Chase quite literally stealing our money by using it to cover their own fees which were left previously unpaid by their former ( or current ) customer at our expense. We are not Chase customers and owe them nothing yet they feel it is ok to use our money, sent in error admittedly, for their benefit instead of returning it to us. Is this how a bank, a public company should behave? Have we not lost our entire moral compass in corporate america?!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts will be updated or corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint of record since the issue was resolved. 
*** I intended to to freeze my credit reports due to a notification of a potential identity theft threat. 

Both XXXX and Experian signed me up for a " credit monitoring '' service or membership with a monthly charge of approximately $ XXXX. each. 
Not only was I unaware that I had signed up for any service, I received no confirmation or receipt of said charges as one would with any online purchase. 
It was only when I saw the charges on my credit card bill did I realize something was amiss. 
I immediately jumped thru all the hoops to get the charges reversed, each took at least 2 hours just to track down who to call and what to do.

Both companies refunded the charges without dispute.

I filed a complaint with the State of Minnesota & they referred me to this website. 

As a side note, I had no difficulty with XXXX.
Product: Credit card

I added my discover card to XXXX wallet last year. The card balance was XXXX when XXXX used discover card with a transaction of {$77.00} as a second payment method which i didnt know at that time. I wasnt notified about it by XXXX neither by discover. First time when i figured that there was a charge to my discover card and piled up late fees was in the beginning of XXXX. I talked to them about my honest mistake which i assumed that my acccount balance was {$0.00}. After filing a dispute about transaction they didnt care much about 6 late fees applied on the original amount.
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 generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYEES XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Golden 1 Credit union performed an unauthorized Hard inquiry on my credit report on XX/XX/2019. I did not approve this inquiry, as such I would like it to be removed from all credit reporting bureaus.
Product: Checking or savings account

Truist from the beginning has been horrible. They without me being informed changed the name on my account. 

They continue to charge unmerited fees for overdrafts. They said they didn't give credit for a check on Saturdays ( non business day ) however they honored a transaction that came in on the same day and refused to give credit.
Product: Debt collection

In XXXXXXXX XXXX XXXX, my vehicle was involved in a car fire as a result of a manufacturing recall. I was insured by XXXX XXXX at the time, and due to the nature of the car fire, the manufacturer XXXX agreed to take over my car loan, and ownership of my vehicle. I was in communication with a representative from XXXX XXXX in which, I told her that due to an open class action lawsuit, I would be proceeding with the XXXX XXXX to take care of the costs of my vehicle damage and informed the representative that coverage would no longer be needed due to my car being deemed totaled and a complete loss. Despite this, and despite ownership being taken over by XXXX XXXX in the wake of the class action lawsuit for my totaled vehicle, I was still charged my monthly rate for my auto insurance, when I was no longer the principal owner of the vehicle as ownership had been granted to XXXX XXXX.
Product: Debt collection

In XX/XX/XXXX I received a notice from my credit monitoring service about a collection on my credit report from “Midwest Recovery Services” although I was never contacted and allowed to dispute the collection which I believe to be incorrect
Product: Debt collection

After carefully analyzing my latest credit report, I found multiple fraudulent accounts that were added without my authorization.
Product: Debt collection

To whom it may concern, I had an account with XXXX XXXX prior to leaving my apartment. When I moved I called and tried to cancel my account. Instead, the representative convinced me to place the account on hold until I found a new location to live. It took me about 3 months. When I called to reactivate my account I did not agree with the balance owed and asked them to terminate my account. I do not feel that the balance is correct. I have tried for years not to resolve this account. The representatives are always rude and unwilling to work with me. I truly believe this balance to be incorrect and request immediate deletion from my credit.
Product: Prepaid card

I received a {$1000.00} American Express gift card from my work. I was thrilled for this, because it seemed like it would be convenient, but I am now realizing that Amex gift cards barely work online. I can not make purchases online. I have been trying to spend {$130.00} of my {$1000.00} balance on XXXX since yesterday and I keep getting declined. I tried on XXXX and had a similar problem. Attaching a photo of my emails saying my payment keeps getting declined. I have checked the card numbers, I have removed the card and readded it, I have verified it through Amex, etc. To no avail. I dont know how Im going to buy my gifts for the holidays since my plan was to use this card for all purchases online because I dont have a physical card to use in person. Upon doing my research, this seems to be a common problem people have. I cant believe it hasnt been resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the accounts listed below have violated my rights as a consumer. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX | account # XXXX Investigate recovery| account XXXX XXXX XXXX XXXX XXXX account # XXXX American financial | account # XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX |Account # XXXX XXXX XXXX XXXX | account XXXX XXXX XXXX XXXX XXXX| accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX| account # XXXX
Product: Credit card

My credit card was overcharged by a restaurant ( XXXX XXXX ). When I discovered this, I asked for a refund and the merchant provided it. The merchant even sent me a screen shot, showing that the refund had been processed with XXXX : the authorized amount was {$50.00} less than what had originally been captured. ( Should actually have been {$64.00}, including tax and tip, but that is a secondary complaint. ) Since the refund did not post to my credit card, I filed a claim with BofA and provided all the required information. BofA initially posted a credit of {$64.00} to my account ; later they reversed it, and sent a letter asking for more information. I called BofA and pointed out that I had already provided the requested information ( screen shot incl. XXXX  confirmation number for the refund ) ; they agreed, said that the charge had been reversed in error, and offered to escalate/accelerate my claim to have it resolved. 

However, three weeks later BofA sent a letter stating that my claim was denied, after all. I called them again to complain, pointed to the screen shot with all the info they needed. BofA said that it was ultimately XXXXXXXX XXXX decision -- even though their denial letter says that BofA made the decision. I escalated to a manager, who held the line. They both declined to provide evidence that they had actually sought the refund from XXXX, even though I had provided them with a XXXX confirmation code to do so. 

I can not tell if this is a one-off misjudgment on their part ; BofA insists that it is standard practice. If so, it would suggest that the bank and credit card company have a practice in place that prevents customers from collecting their refund, even after the merchant provides confirmation from the credit card company.
Product: Debt collection

I have tried to verify the debt by asking for the contract and signature to verify if the debt is mine, they sent a credit card statement and nothing else. I have sent XXXX letter to them asking to verify the debt and they didnt respond instead they are trying to sue with out even showing the debt is mine. I have try to offer a settlement even though they cant prove the debt is actually mine and there is again NO RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an account paid IN FULL with Uplift since XX/XX/2019. It is STILL REPORTING I have a balance of {$760.00}! I have called on sveeral occasions and they told me it's been updated and I can send a dispute if it's not accurate but yet they STILL ARE REPORTING IT WRONG! I want the account removed from my credit report for the egregious error.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting a Closed and Paid in Full Account inaccurately. I have sent them requests to correct this account starting in XXXX of 2022, with a follow up in XXXX 2022, then another follow up in XXXX of 2022. The time they responded they stated " verified by furnisher ''. However, this is not the furnisher 's error. It is how EQUIFAX is reporting the payment status. They are reporting a derogatory payment status : A payment status is to report the CURRENT PAYMENT STATUS. 

XXXX XXXX XXXX : its paid in full and closed- XXXX ) they are reporting the payment status as " At least 120 days or more than four payments past due " The two year history show all on time payments. This was NEVER LATE. even if it was, the status is outdated, incomplete, and inaccurate. 
UPDATE THE PAYMENT STATUS TO : " PAID AS AGREED '' THEY ARE IN VIOLATION OF FCRA GUIDELINES. KEEP IN MIND I WILL NOT ACCEPT ANYTHING BUT THIS ACCOUNT BEING CORRECTED AND UPDATED TO SHOW THE CURRENT ACCURATE PAYMENT STATUS. THIS HAS DAMAGED MY CREDIT FOR OVER A YEAR NOW AND IF THIS ACCOUNT IS NOT CORRECTED IMMEDIATELY, I WILL PURSUE LEGAL ACTION AGAINST EQUIFAX FOR THEIR DISREGARD FOR FEDERAL LAW. Ive included all certified letters, as well as all the credit report with the inaccurate information highlighted.
Product: Credit reporting or other personal consumer reports

aIn accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I placed an order for XXXX on Coinbase XXXX. The amount was for XXXX. There was a glitch that caused my money to be placed on " Hold '' within their system on an " order ''. Money is typically reserved on hold so you can't inadvertenly trade more than you have. The only problem is this money was placed on hold and I had no active limit order which I could see. This means I couldn't cancel it. I couldn't see if it executed. I couldn't see if it's stuck. Now, the problem on top of this is that the money is still on hold within their system and I can't access it. There was an outage previous to my order placement in which a number of people have reported a lot of different issues including the one i have now. I opened a ticket that night and another the next morning as you don't get a ticket number until they first process your ticket. 

The two tickets are : XXXX and XXXX XXXX was first replied to on Saturday XXXX XXXX at XXXX XXXX EST Looks like an automated message I replied a few minutes later at XXXX XXXX. XX/XX/XXXX Next response was today XX/XX/2021 at XXXX XXXX. EST. Letting me know I could file a complaint, but they considered the matter resolved. 

I've had a running Direct Message on XXXX with their Coinbase Support team and they keep redirecting me to the Customer Care team who quite frankly does not care. 

I've filled a formal complaint with them via case XXXX and with case XXXX there hasn't been another response to it since i opened it. 

My formal complaint number is Complaint # XXXX. 

In order to see that the issue is impacting my account all you have to do is go to my portfolio page and see orders on hold and see that there is XXXX on hold. Next go to the orders tab and see that there is no orders active. Essentially they have XXXX on an orphaned/ghost order that their system lost. It's traded through my limit buy price atleast twice. At this point in time I'm considering sueing them in small claims to get my money back as they do not seem to care about people investments.
Product: Money transfer, virtual currency, or money service

While working to close on a house, I received an email from an individual I thought was with my closing company along with another email address that appeared to be my realtor 's email address asking about wiring money for closing. After a few emails back and forth, I wired the money per the instructions provided due to email representing my realtor looking legitimate. The wire transfer occurred on XX/XX/18 for {$44000.00}. The wire went between USAA and XXXX  XXXX XXXX.
Product: Debt collection

Someone applied in my name for XXXX apartments and now this is on my credit report and I have never lived at either of the XXXX addresses.