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

On XX/XX/2019, my check account had a cash withdrawal of amount {$350.00} at California XXXX XXXX Bank of America Branch. However, my wife and I, who are the only authorized user of this account, are travelling outside California the entire week. There is no way we could make this cash withdrawal. 

Bank of America said they have investigated this issue, but denied my claim. They said signature is consistent and they have account owner 's identification. This is not possible since my wife and I are both not in California during that week.
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 confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 conv
ictions 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.
Product: Student loan

Details of the loan : Lender Name XXXX XXXX XXXX XXXX Loan Type Private Loan Status In Deferment or Forbearance Original First Disbursement Date XX/XX/2022 Total Disbursed Amount {$12000.00} Total Capped Interest {$0.00} Current Principal Balance {$12000.00} Outstanding Interest {$670.00} Current Interest Rate 10.500 % I was misled into taking out a loan for XXXX XXXX. The XXXX was of poor quality, subpar, I did not receive the quality of education or program promised. I did times where I did not have a mentor that I paid for. XXXX had lied about their job prospects after graduating, their " partners/affiliates '' of which neither I nor any of my colleagues ever received a list of who these partners were. XXXX also stopped providing me careers support which was also a part of the program that this loan had paid for, immediately making me ineligible for their refund guarantee ( due to a XXXX complaint. XXXX had been informed about the XXXX  complaint and reviews before any of them had been posted. XXXX indicated that this was of no concern for them and then proceeded to block me from all careers support as soon as I had posted them ). XXXX 's XXXX is in itself, essentially impossible to achieve because of certain requirements. For example, all capstones and mock interviews must be done within two attempts. However, during capstone projects the graders can ask for endless amount of revisions, those revisions can come out of nowhere and do not have to be part of any project requirements. XXXX can easily fail student attempts twice for any reason ( even something as simple as font color, adding extra features etc. ) and immediately disqualify them. I have added a file here which details abuses from XXXX in great detail.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I had a business card with JP Morgan Chase and left the company on XX/XX/XXXX. There was a payment due of {$150.00} on the card that I had set-up to pay prior to leaving the company. I had cancelled the card on XX/XX/XXXX prior to leaving the company. 

For some reason the {$150.00} payment did not go through and I ( or the company ) was not notified by mail/email of such delinquency. As my company XXXX was closed, not sure if they sent any notifications bu obviously I did not receive it. Somebody from Chase called me in XXXX saying that the payment is due. I asked them to call the company/CEO to make the payment as I have no access or authority to pay and that they would take care of it as there was no intention of not paying it. 

I did not hear anything back from Chase so I assumed that it was resolved. On XXXX XXXX I saw that my 'personal " credit score was reduced by XXXX points and that Chase Business had reported this delinquency on my personal credit report. I called Chase to find out what is going on and they informed me that the amount was not paid. I immediately asked the company to pay the amount ( which was now {$270.00} including late fees )- it was paid on XX/XX/XXXX. I opened a dispute with XXXX to remove this entry from my credit report so my score can be adjusted back to Excellent ( XXXX ) as it was only a one time issue and I have never had a late payment. The account is already closed and there is no risk of any future late payments. 

For the past few days I have been going back and forth with XXXX and Chase to resolve this issue and they keep pointing the finger at each other as they will not remove this entry from my credit report. I am not disputing that it was late as it somehow feel through the cracks but now that it is resolved, it should be removed. 

Note that I never received any mail/email notification from Chase for this error and it does not seem fair to hit the credit score by XXXX points for just a {$150.00} error with no history of any delinquent payments. 

I would like Chase to delete this entry so XXXX can update the score. Chase is telling me that they have no authority to do it and it is up to XXXX and XXXX is telling me that Chase has to delte/remove it so that they can update the score, so I am not sure as a consumer how to resolve this issue. 

Thanks for your help!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against EQUIFAX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, EQUIFAX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates The Fair Credit Report Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, EQUIFAX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure EQUIFAX complies with Federal Law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Son had urgent care visit in XXXX of 2020. Insurance was not ran correctly and as such we were charged full amount. We have since communicated with insurance carriers and had placed a hold on the bill to determine if either insurance would cover. I never received notice that insurance was not covering and have now received a debt collection letter from Gulf XXXXoast Collection.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  i requested credit report from Equifax. When I got the credit report, I noticed that there were some late payments on my credit file on a few accounts. As we all know, this is a clear violation of, 15 usc 1681b, LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681b Quick search by citation : Title enter title Section section 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. Do they have lawful authority to do so, nor did they have written instructions from me to place this on my credit report. 15 usc 1682 a115 U.S. Code 1681a - Definitions ; rules of construction, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. There for there a payment history should not be reported. No transaction, no payment history, when a creditor is reporting a payment as late they are reporting the XXXX  between them and the consumer. There can not be a payment history without transactions. So how can a creditor or a credit reporting agency say that you have a late payment when the transaction and the experiences are excluded from your credit report? The reporting of information that is excluded from the consumer report is considered fraud. There is only one time that a payment can be considered as late and certain conditions have to be met. So if Equifax stating that they have verified the late payment, they must have the proof to show it. I have requested this proof and I have got nothing. 15 U.S. Code 1666b - Timing of payments U.S. Code Notes prev | next ( 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. If apple facts is going to furnish the information, then they must have the proof I have requested this proof and again all I get is verified. I ask for validation and got nothing.
Product: Checking or savings account

This is a follow up to a previously filed action : Complaint ID # XXXX. Old National Bank purposely provided false information in their response knowing that they are 100 % liable under the XXXX Article XXXX for proper endorsements and payee information. 

ONB cleared at least 3 checks that clearly had either an improper endorsement or altered payee.

Consumers have up to 60 days ( and more in some instances ) to report fraudulent activity on their account. We absolutely did that in this case. ONB 's response of the " twenty-four hour reclamation time '' is an absolute and willful attempt at misleading a consumer. the 24-hour reclamation time frame is for COMMERCIAL BUSINESS ACCOUNTS not CONSUMER ACCOUNTS. ONB surely knows this. Yet they chose to perpetrate a lie against an elderly individual. 

Furthermore, they are very aware of their liability ( which has no statute of limitations ) as they just closed the account in question. 

XXXX Article XXXX clearly puts the liability on the clearing bank, in this case Old National Bank, to ensure that the check is properly endorsed by the account holder. Additionally, they are liable to ensure that the payee information on the check has not been altered in any way. 

I am in the process of filing a XXXX request to force the CFPB to turn over all complaints against ONB for clearing improperly endorsed checks and improper payee information, amongst other actions. 

I consider the CFPB to be complicit in this action for allowing a financial institution to knowingly submit false information. 

In conclusion, one of the account holders is an elderly individual who does not use email, thus the need for this additional complaint as the CFPB would not talk to me ( the joint account holder ).
Product: Credit card or prepaid card

On XXXX XXXX 2020, I ordered some pool filters for a total of {$170.00}. The item was supposed to be delivered by XX/XX/XXXX. When I did not receive, I contacted XXXX XXXX to discover where the package was. They said it's location was unknown. 

I contacted the seller on XX/XX/XXXX ( item still had not shown up ) and he indicated he only had one left, so I ordered a replacement on XX/XX/XXXX. I disputed on XXXX as " Item Not recieved '' I received the second item ordered, by the expected delivery date. About 3 weeks later I received the the first item ordered. I contacted the seller and he sent me a shipping label. I sent the item back to the seller, and attached is XXXX  XXXX  tracking label and delivery verified from XXXX XXXX. 

As requested, I sent the attached items to the dispute department at XXXX XXXX. My dispute was declined, even though I sent the attached info, showing XXXX said they would refund the money, Seller said he received the item I returned. 

They indicated that PayPal refused to issue refund, but would not explain how or why it was refused. 

XXXX XXXX  issued me a credit to make up for it.
Product: Bank account or service

I recently moved back to XXXX to start a new job. I wanted to open a local bank account here as I bank with a credit union in another town. I opened a checking account with BBVA Compass and have had it for 3 weeks with no issues. Yesterday I went to eat and my debit card was declined. After I called the bank to see why, I found my account had been frozen. They first said for debt then it turns out they ca n't tell me why and said I need to go to a branch and prove who I am. I did that in the afternoon as I have my full payroll going to this bank on Friday so needed this resolved thinking they have a mix up. I also have worked in the large banks for my than 10 years of my career as a consultant in IT and security so I know if their controls are messed up they can make these mistakes easy. This morning I 'm still not able to access my account and after another 45 minutes on the phone they can give me no reasons why my account has disappeared and what I will expect tomorrow with my pay. They told me to go back to a branch and give them more info.
Product: Credit card or prepaid card

There is a small amount at issue here, but the company is using deceptive sales practices that need to be addressed. Synchrony Car Care has an arrangement with the mechanic that I use to provide 0 % financing for 12 months on expenses large enough to qualify -- I believe {$500.00}. Any amount below that does not qualify for 0 % interest. 

When I make purchases below the threshold amount, a statement shows a consolidated balance of the promotional 0 % plus the smaller purchase. Synchrony than applies payments in such a way that a portion goes to the non 0 % charge and a portion goes to the promotional charge. This results in a minimum interest fee of at least {$2.00}. It has been repeated practice, and I've brought it to their attention several times. In the past, they have fixed the allocation and reversed the fee. Today, it was not until I threatened to make this complaint that Synchrony was willing to reverse this charge. 

Although this has cost me no money, if this is standard practice, they are regularly subjecting their customer to fees that are improper, and I hope that the CFPB can take steps to reverse these fees and stop this practice for all customers.
Product: Debt collection

ARS collection agency failed to send me verification of This medical debt they are attempting to collect.
Product: Debt collection

GLA COLLECTION CO INC claims I owe them {$1100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX. I only know about this because it showed up on my credit report. I dont know who they are and have never received anything from them. They dont have my signature.
Product: Student loan

My account number is not indicated on my statement. 

My statements do not show the correct amount of interest paid for the calendar year. The individual payments online show the interest paid per payment, but there is no total indicated anywhere. My statements also show the individual amount paid, but then indicate {$0.00} interest paid for the calendar year. 

When contacting the company XXXX regarding their information being incorrectly shown, and not readily available, their response was to individually look up every single payment and total the interest myself based on that history. I advised this is not an acceptable solution, as their statements which can be downloaded and saved are incorrect and do not indicate the interest paid per year. I was told to then go online and look at individual payments ( again ). Then I was told I needed to request that yearly summary from XXXX directly to receive the total interest paid if it was less than {$600.00}. So I requested a copy of this yearly statement ( as they had literally just told me I needed to, though this is not listed on the website anywhere ) and was told " you will be able to access that information online at any time ''. She is giving me the runaround through the entire conversation. 

I then repeated that the statements online are incorrect. and she copied and pasted a blurb about the XXXX ( not the XXXX which I was asking about ) and how to dispute the XXXX I repeated my requests regarding incorrect statements and the yearly statement that apparently you have to request, and is not provided otherwise. Her response, " The loan is paid in full, what needs fixed? '' I am beyond frustrated and have asked to speak to a manager in which I am told I must call in, or request a call back within 48 hours. 

I have never been more frustrated, and provided incorrect information with zero answers to my questions. I have 3 other loans with XXXX in which ALL of the requested information is not only provided on their website, but is easily accessed, totaled per calendar year, and life of loan, as well as correctly indicated on their statements that are available to be downloaded. 

It is completely ridiculous that they are refusing to correct their statements which show the wrong information, when these statements are a more standard and reliable source to show the interest paid compared to screen shots of every single individual payment.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I finished my payments to XXXX XXXX XXXX XXXX, which is a student loan rehab program. on Friday XX/XX/XXXX, I responded to a voice mail from XXXX. It was a company called Student loan financial assistance ( SLFA ). They were claiming to help me with my new federal student loan repayment options. When I called SLFA I spoke with a man named XXXX. He said I qualify for the student loan forgiveness program. He said my monthly payments can be {$0.00} after I make three payments of {$170.00}. XXXX asked me to email him my proof of income, checking account information routing and account number, Social Security number, and a picture of my last billing statement form XXXX XXXX. He then emailed me a 15 page agreement to sign off on. This was all done while on the phone with him. Once I e-signed the documents, He stated all I had to do now is make the three payments of {$170.00} in three months and after I will have a monthly payment of {$0.00}. I made my payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I thought my loan was in good standings now. In XXXX I noticed I received a bill from XXXX  stating that I am pass due on my student loan payments and need to pay {$220.00} by XX/XX/XXXX. I was confused because I obviously though SLFA took care of this. I called XXXX on XX/XX/XXXX and explained to them everything about SLFA and they said I was scammed because they are the company in charge of my student loan repayment options. And they had never heard anything about or from that company. after going back and forth with XXXX and SLFA each company was telling me the other is the scam. Confused and upset, on XX/XX/XXXX I called studentloans.gov and spoke with the Student Loan Support Center. They assured me that XXXX was my true loan company and SLFA was a third party scam company that charged me a total of {$520.00} for a service XXXX does for free! Student Loan Support Center advised me to get a new Bank account and call Social Security to make sure my information was not used by the fraud company SLFA. I called XXXX back and they put me in the Income-Based Repayment plan for free. And said I should have never been charged for this application. My loan is now in good standings with XXXX. SLFA is a third party scam company that claims they are going to help with the loan but they do not do anything. When I would call them they would talk very unprofessional and rude, even yelling at one point and saying comments like " do you get it now '' and would put me on hold for over 30 minutes and always had a different excuse on why they haven't done anything. Like " your file was put on hold, '' " your case is different from others so " its gon na take another 90 days '' after I ready made the payments. I never spoke with the same person and they all gave me different excuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting all wrong : Account Name XXXX XXXXXXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Highest Balance {$2000.00} Terms NA Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY DEPT OF EDUCATION/XXXX XXXXXXXX StatusOpen/Never late. 
Account TypeEducation Balance {$3000.00} Date OpenedXXXX Dispute DEPT OF EDUCATION/XXXX  XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$3000.00} Date OpenedXXXX Dispute DEPT OF EDUCATION/XXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$1400.00} Date OpenedXXXX Dispute