23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX we signed the contract with XXXX XXXX to have our sewer system done and the XXXX XXXX offer us a promotion to make installment payment without interest in 25 months with Synchrony Bank on our total loan is {$17000.00}. In the original contract there is no line for the 25 months term, so the technician name XXXX XXXX ( XXXX # XXXX ) crossed out the 605 code on the Promotion Offers and write down the new code of 930, he also crossed out 18 months and write the 25 months above with my initial signatures. We did call the Synchrony Bank to verify our term as well as the monthly payment amount we have to pay in 25 months is {$690.00}. And we will end the payment XX/XX/XXXX I've made payment on time from XX/XX/XXXX to recently. However, on XX/XX/XXXX, the bank suddenly charged us {$5800.00} Interest fee and also the XXXX interest of {$230.00} without any notice. We tried to contact the bank many time and at first they told us to talk with XXXX XXXX, when we called XXXX XXXX, they said they've send the contract to the bank and we - as a client- have to work directly with the bank. We kept calling them back many times and finally talk with the account manager, he told us to fax the copy of the contract to them. After we faxed to them and received a message that they was received the documentation. We called them back to check if they case was processed, but the teller kept told us to wait until 1 or 2 billing cycles. We just want them to confirm that they will correct the term all of them just refused to give us the answer. On XX/XX/XXXX, we called them back and assist to talk with case manager, and he told us that he didn't see the term 25 months on the document he had. I told him if he want us to refax it or how can we show him the correct term but he kept telling us that he didn't see it. I think the bank should have the original copy of the contract to compare with ours. We couldn't made it up, as well as if the term is 18 months, the monthly payment {$690.00} is not correct and make no sense. I'm so disappointed with they way Synchrony Bank works with customer and the way they deal with our problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UND

ER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN I
NSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Credit card

I recently disputed late payment with XXXX about this account Amex # XXXX they claim they verified this account with the ( funisher ) which is American Express and the information was verified. The dates in question are XXXX and XX/XX/XXXX are both reporting 30 days late. XX/XX/XXXX and XX/XX/XXXX are both reporting 60 days late. 
How can I be 60 days late without being 30 days late. This account is reporting inaccurate so how was iI verified according to the fair credit act anything reporting to a credit report has to be completed and accurate. This is clearly a violation.
Product: Checking or savings account

On XX/XX/2022 I noticed that the balance on my checking account had decreased by {$1600.00}. There was no obvious reason for these missing funds. I called my bank, PenFed Credit Union ( XXXX XXXX XXXX, XXXX, VA XXXX ) to inquire how it was possible that there was this discrepancy. They were not able to assist me at that time and advised me to call back on Monday, XX/XX/2022. 

I called PenFed Credit Union back on XX/XX/2022 and was immediately transferred to the XXXX XXXX XXXX ( FSO ) after talking to the customer service representative. 
The XXXX at XXXX instructed me that my missing money was on hold. The hold on my money was being done to cover a wire reversal from a wire done on XX/XX/2022. I asked how this was possible and they told me that the only remedy to lifting the hold was to contact the bank who initiated the reversal, XXXX Bank. 

I first contacted the person who sent me the wire on XX/XX/2022. He insisted he did not reverse the wire. He contacted his bank, XXXX Bank and asked them about the reversal. 
XXXX Bank ( XXXX XXXX, XXXX Corporate Security XXXX ) disclosed they were not the ones who initiated a hold on my funds. They sent me several emails confirming this fact. 
I next sent a copy of XXXX emails to XXXX. The only way to communicate with XXXX was by uploading scanned copies of the emails through their website. 

I called the next day to talk to PenFed XXXX  and confirm they had received the emails and ask when the hold would be lifted. The customer service representative I talked to refused to let me talk to anyone in the XXXX office. 
Now it is more than 9 days since the original hold was placed on my funds. I do not know why from PenFed and there is no time provided from them on when their investigation regarding the hold will be completed. 

I need my money to be release by PenFed immediately. I was supposed to use these funds to pay my rent this month. As of this date, I still dont have my money available and my account still shows that PenFed is holding {$1600.00}. Please help me by investigating these facts and implore PenFed to immediately release my money. 

I believe that PenFed has held my funds illegally. There must be a limit on how long they can hold funds pending an investigation. I am also asking for punitive damages against PenFed for their actions in this matter.
Product: Checking or savings account

On XX/XX/23, my friend informed me that he made a domestic CA to CA wire to my Citibank account to repay the loan I had previously given to him. The following day I began to watch my account for the funds, but XXXX days passed and nothing was received. I contacted Citibank asking for status, and they informed I need the sending bank to issue a trace. 

I asked the sender to do so, at which point the sending bank informs me that Citibank contacted them for my XXXX XXXX/Reason for the wire. I passed the information along to them, and they replied the XXXX XXXX to Citibank. This was on XX/XX/23. 

So the following Monday, I called Citibank to inquire about the status, and still they don't acknowledge any wire. I Contact the sending bank again, and they give me the confirmation numbers and I advise Citibank, and they have no record of it. I visit Citibank branch and ask them to help, and they are also unable to see the wire. 

The sending bank informs me that they have been sending the asked for information daily, and Citibank has not issued a reply. We conference call Citibank, and they still dont acknowledge any wire. At this point, the sending bank informs they can try to recall the wire in hopes of bringing some attention to the wire, which I agree. That was yesterday on XX/XX/23. Citibank still has not responded or acknowledged any wire.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NATIONAL CREDIT ADJUST, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX   XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, NATIONAL CREDIT ADJUST, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

This a formal request for the immediate removal of an inaccurate account listed on my credit report. I am a victim of Data Breach Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is telephoning me on a daily basics, I do not have an outstanding " Debt '' with any one. Several of my friends are also receiving the telephone calls, I want them to stop Harassing me. Telephone number:XXXX ext XXXX. 

Thank you in advance for your help.
Product: Checking or savings account

Hello, several months ago, I turned off the Overdraft ability on my checking account because I did not want any more predatory fees charged. I was told that when I did that, my account would decline if there wasn't sufficient funds and I would not be assessed overdraft fees. 

Recently, I've discovered that I have been assessed 13 overdraft charges totaling {$450.00}. These are unfair and excessive, especially since I turned off the overdraft ability on my account. I just opened an account with another bank, XXXX XXXX that promises no overdraft fees. That seems much more fair to the customer. 

I feel like these fees should be removed or I should be provided with a fair payment plan. I feel like I was totally blindsided by the bank for doing this and I really can't afford to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out 2 loans through XXXX XXXX XXXX in MO in XXXX of XXXX and XX/XX/XXXX. Which the bank didn't report to the credit bureaus. We sent the payment schedule and complete payoffs, that the bank sent to me, requesting that my credit score be adjusted accordingly. 

XXXX stated that the dispute over not adjusting my credit history and score, couldn't be done because they couldn't verify the information that the bank sent me, and I forwarded to all 3 bureaus. This information was sent to me by the bank and was on their letterhead. I haven't heard from the other 2 bureaus as of today. 

All I'm trying to do is get the information added to my account so that I can go forward in reestablishing my credit history. And as of now I have no credit scores.
Product: Debt collection

I received a call from national Credit Adjusters about a debt they claim i owe. I have no recoeved any written communication from the company and when requested, was yelled at and told they would n't send me a letter. The man on the phone said he would only send me validation via email, even though I requested it to be physically mailed to my house. When I asked for a mailing address to send a certified letter to requesting validation of the debt he would only give me a PO box , and not an physical address. They continue to call me several times a day. I have gotten calls past XXXX on a few occasions. The employees I speak to are threatening and disrespectful.
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this grumbling to WILSHIRE CONSUMER CRED.I kept in touch with them the errors of my credit report including dates of payment, dates opened, payment history, and status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Checking or savings account

Good afternoon, Bank Of America has been stringing me along for almost two years. I was a victim of Identity Theft which led to the hacking of all my accounts. 

Since the very beginning, I have tried to prove my innocence and try to maintain a banking relationship with them. 

In XX/XX/2023, I finally showed enough documentation and had a previous claim overturned. 

I was told by XXXX XXXX that a check for {$4000.00} has been issued out to me on XXXX XXXX. 

I have yet to receive a check and every time I call, I get sent to every single department. 

BOA shouldn't be able to just lie to their customers, especially when they're victims. 

All BOA has done is play games with my money and my time and I don't think that's fair. 

I have attached the notice they sent, I have been trying to contact everyone for weeks and I get no response. Please have them speak to me so I may have the correct address on file and have my money sent to me asap! 

thank you!
Product: Credit card

Purchase notification XXXX XXXX I keep getting purchase notifications from some email for PayPal. Do they have fake accounts set up? Has my information been stollen? 
Thank you
Product: Checking or savings account

In the early morning of XX/XX/year> my wallet was stolen from my vehicle and my debit card was used by the thief. I informed USAA as soon as I woke up along with my other banks and disputed the fraudulent transactions. 
USAA declined my dispute of XXXX fraudulent transactions : XXXX {$120.00} XXXX {$83.00} XXXX {$47.00} I have filed a police report and successfully disputed the charges with my other financial institutions, which had blocked some of the transactions. USAA sent me a letter on XX/XX/year> of their decision that I am liable for these charges. They did not request additional information or give me a reason for their decision. These were not my charges.
Product: Debt collection

XXXX XXXX XXXX has not given any information to verify this account they have placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT FILE WAS COMPLEMIZED BY SOME ONE I DONT KNOW RESULTING IN SEVERAL DELIQUENT DEBTS REPORTED TO MY CREDIT REPORTS. I HAVE REPORT TO THE POLICE NOTHING WAS DONE, I AM REPORT HERE IN HOPE OF CLEANING THOSE ACCOUNTS FROM MY NAME CREDIT FILE.
Product: Mortgage

I started the refi process with Wells Fargo in XX/XX/XXXX, with close anticipated in XXXX. After locking in my rate at 3.25 %, all paperwork was submitted. Appraisal came in lower than expected so amount was reduced by {$500000.00}, which was fine. We continued toward closing but as rates started to increase, WFs service rep became less responsive to me. Then I received a letter in the mail declining my application. When I spoke with rep, she indicated it was an income issue. After hearing the issue, she realized WF did not compute my income correctly as they missed two documents that totaled approximately {$20000.00} per month more than they had in their calculations, and a business I sold in XXXX that they were calculating as a negative {$3000.00} per month, both mistakes on their part. She emailed me to inform me that she was taking the mistakes to her supervisor and would get things worked out. I have been contacting her via phone and email for past two weeks and she does not respond. I believe since rates rose they did not want to offer me the loan. This now is costing me 200 bps to refi with another institution.
Product: Credit reporting or other personal consumer reports

sent a certified letter to Transunion requesting the removal of fraudulent information from my credit report pursuant to FCRA 605B. I request that TransUnion block the identified fraudulent accounts, collections, and hard inquiries from my credit file within four business days of receiving this complaint. They have Failed to do so.
Product: Payday loan, title loan, personal loan, or advance loan

Somebody did loan in my name XXXX XXXX now my check garnished even disputed XXXX XXXX even offered settlement even tho I ain't do it ... .but no luck n dey garnished my check I'm XXXX  can't afford I Neva gave permission garnished r sign loan it's unauthorized n fraud ... plz stop harassing n garnishment plz, ....
Product: Debt collection

Original Creditor ( XXXX ) has reported that i owe XXXX for a phone that has already been paid off. on XX/XX/2023 i spoke with XXXX Rep XXXX where she stated on the call that she does in fact see where the phone has been paid off. when asked to send statement regarding the balance owed, she stated she would send them in mail. and i have yet to receive anything via mail nor email. 
the Current Creditor is Source Receivables Mangement ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with CFPB on Experian. The dispute number is XXXX. Experian has ignored my attached documentation that was sent with the prior dispute. Experian claims they did not get my documentation which was a copy of my passport and my utility bill. Experian continues to display a address that does not belong to me along with accounts that is attached to the address. XXXX XXXX XXXXXXXX XXXX XXXX ohio XXXXXXXX XXXX XXXX XXXX XXXX  All these accounts are attached to the above address. I have started legal representation because Experian has broken several FCRA laws. CFPB has not helped and I will be reaching out to FTC. No consumer should have to endure this craziness! Remove these erroneous accounts immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuing to report a collection which is not accurate and closed. The debt agency has contacted and provided Equifax with the necessary documents to remove collection for XXXX XXXX XXXX but they continue to report the debt. This causing damage to my credit report and causing me issues with closing on my home. I have reached out to Equifax several times by phone and filing a dispute with no resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting multiple late payments ( XXXX, XXXX, XXXX, and 120 days past due ) on my credit file for account [ Account XXXX : XXXX ]. The reported balance exceeds my credit limit, suggesting inaccuracies in late fees or interest calculations. Despite submitting a dispute on XX/XX/year> no validation has been provided.
Product: Credit card or prepaid card

I had an AmEx card with an annual fee open for the past ~5 years. I thought I had closed this card and forgot about it without using it since pre-Covid. During this time Amex charged me {$250.00} in XXXX XXXX XXXX XXXX and again this year all without having used the card for a single purchase or usage of card benefits/rewards in that time span. Thats {$1000.00} AmEx collected without any acknowledgment or any account usage whatsoever. 

When I contacted them to try to recover some of this, they did waive the most recent fee because it was still the same month ( and would only do so if I closed my account as well ). But they were unwilling to do anything about the past several years of fees. 

I fully acknowledge that I should have kept better track of this account, but AmEx should be better about notifying annual fees and identifying inactive accounts when charging high fees. It definitely gives off the sense that they do not care about their customers.
Product: Debt collection

For over the past XXXX months we have received continued harrassing calls from Collection Bureau of the Hudson Valley sks CBHV ( phone number XXXX ) asking for someone who has NEVER lived here ( we are the XXXX owners and know the previous owners ). I asked them to remove my phone number over and over ( XXXX times ) and they state that they will, but we continue to get calls. We did again today and I informed that I would report them to the New York Attorney General 's Office. They stated " You go right ahead and see what happens to you. '' I replied " I consider that a threat on my life. '' They said " You can take it however you want. '' I called the N.Y. Attorney General 's office and was appalled. They stated " We do n't care what collection agencies do in our state and we have no oversight to them. '' I was totally taken off guard. When I attempted to XXXX the company to go to their website, the New York Attorney General 's name came up. It is obvious that he/she is somehow connected ed with this company and is attempting to coverup their scamming consumers instead of being concerned for consumers. Therefore, I wish that not only the company, but the NY Attorney General 's Office be investigated by not only your agency but also the FBI and/or Homeland Security.
Product: Mortgage

On XXXX XXXX XXXX with AAG emailed me a reverse mortgage loan # XXXX. On XXXX and again on XXXX, I sent XXXX emails with several questions on this loan. I never received any communication from AAG until XXXX by a phone call from XXXX XXXX  XXXX with AAG. XXXX XXXX told me XXXX XXXX was promoted within AAG and this is the reason XXXX did not reply to me. This is not true since XXXX now works with another company. XXXX   XXXX stated that my original loan was not approved, but then later on was approved. XXXX XXXX ran a credit report on me on XXXX while promising to send me the loan documents this same day. But, XXXX XXXX tricked me, and stated that I must first signed up for and pay for the Counseling Course, before he would send any loan documents. I called his supervisor XXXX XXXX. XXXX told me the same thing as XXXX XXXX. XXXX is not licensed in Missouri. On XXXX, I emailed XXXX my concerns about this trickery. Later on this same day, XXXX XXXX emailed me the new loan # XXXX. On XXXX, I missed a phone call from XXXX XXXX. On XXXX, I emailed XXXX XXXX with several questions concerning this new loan. On XXXX, XXXX XXXX sent me an email stating that he would address my 'questions by phone call only ' ; and 'we had management approval to lower the margin, unfortunately, the concession is no longer available '. XXXX XXXX is high pressured, very confusing, and he has lied to me, and now I guess XXXX   XXXX will no longer communicate by email, and will no longer honor this loan.
Product: Credit reporting or other personal consumer reports

XXXX Open Date in XXXX Reopened Date XX/XX/XXXX Identity Theft and Fraudulent Account Apart of multiple data breaches from XXXX TransUnion updated my credit report and removed my credit freeze from my profile. Found out in XXXX of XXXX after 5 days of repeated phones calls and escalation to managers due to receiving reports that my credit profile was being accessed by several creditors I did not authorize.
Product: Debt collection

Second Round Lp is trying to collect {$2200.00} for a XXXX XXXX XXXX account that was charged off XX/XX/XXXX for {$1700.00}. They listed the debt as " XXXX '' but when I called to verify debt, they said it was for XXXX XXXX and could not verify the account. I have requested they verify the debt and they are not able to the debt is listed on my credit report. I have attached my credit report. Under 'NEGATIVE '' items you will see : XXXX/XXXX XXXX reported to all 3 bureaus and if you look under collections you will see 01 XXXX XXXX they are for the same debt ( both listed on pg 3 of my credit report ). You will find the original XXXX XXXX account on pg 63 ( showing last updated on XX/XX/XXXX eventho it charged off XX/XX/XXXX ) You will find Second Round new charge on page 74. It will only show XXXX XXXX and when you call they say it is the XXXX XXXX account, they give an amount of XXXX but can not verify the account.
Product: Vehicle loan or lease

Capital One informed me when I called to them on XX/XX/year> I informed them that my checks that are being sent to them directly from XXXX XXXX The principal payment only amounts XXXX Capital One has repeatedly claimed that if any consumer is behind on payments they will not apply any extra payments directly to Principal It is a Capital One Policy Please consider that My payment goes from XXXX XXXX XXXX across state lines