23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am filing a complaint about City National Bank. I currently have a mortgage loan with City National Bank. They have been reporting an incorrect loan balance which shows I owe more than I ever even borrowed from them on mine and my husband 's credit report for the last 8 months. It is causing my credit score to plummet and it 's hurting my opportunity to refinance my loan. I believe City National Bank wants me to refinance this loan so they can get it out of their bank because the interest rate is so low. They constantly call and email me to find out when I am going to refinance my home. Then when my new potential lender goes to pull credit City National Bank repeatedly puts the wrong balance on my report. I have asked them to correct this back in XX/XX/XXXX which they did one time and said it was glitch in their system. The amount was corrected in XX/XX/2016 and my score improved so I could continue with my refinance. Then 2 months later the balance is incorrect again. I email my contact at the bank to correct it and I received no response. I am attaching the letter for the first time they corrected it.
Product: Debt collection

I XXXX XXXX the Consumer and Natural Person is the Original creditor, Pursuant to 15 usc 1692 a ( 4 ). No corporation can validate a debt. Also debt means any obligation or alleged obligation, Pursuant to 15 usc 1692 a ( 5 ). I am sending a copy of the letters being sent to my place of abode. This company harasses me with debt collection letters on the regular. I have several stacks they keep sending to me claiming that I owe them something. Pursuant to 15 usc 1692b ( 2 ) they can not say that a consumer owes a debt. I have tried resolving this with them directly but they keep saying this is validated. That is not a true statement because I XXXX XXXX the original creditor, consumer and natural person can only validate this alleged debt which I am NOT validating. Furthermore I will be filing a complaint with the XXXX  and attorney general. I do plan on contacting the media as well and release the information about my rights being violated as a consumer and natural person. Per Congress I have rights and your organization has violated them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX, Equifax, XXXX to fix a bad report for late payment to XXXX I feel XXXX is guilty of corporate wide fraud. When closing my XXXX  account many months ago I discovered the XXXX  customer service online and by phone were completely inoperable. I went to the closest XXXX store at : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX ( XXXX ) XXXX and officially and completely closed my internet account. Then many months later I began to receive bills from XXXX  from this closed account. I again went to the same store and talked to the Store manager explaining the above and that I did not owe XXXX any money. The store manager agreed to cancel this " debt ''. later, I wrote the Debt collecting agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Phone XXXX, giving this info and explained I did not owe them any money. 

XXXX has accepted my dispute, however to-date Equifax and XXXX have not agreed to delete this " late payment ' from my credit report. They have left this in my credit report.
Product: Debt collection

I received a notice from Southwest Collection Service,  Inc.stating I owed {$52.00}. I called them to inquire and they said to call the XXXX XXXX XXXX, the creditor. The lab told me that " XXXX XXXX '' was done when I did my physical with my doctor 's office on XX/XX/17 and that's the amount I still owe.This was news to me because XXXX XXXX  is typically covered by my insurance. They told me to call my doctor 's office to get more clarification on what type of XXXX XXXX was ordered. When I called the doctor 's office they said they will forward my message to the billing coordinator, who still hasn't called me even after attempting to get a hold of him several times. At this point I've given up, thus my last option was to reach out to CFPB in hopes of getting a straight answer.
Product: Credit reporting or other personal consumer reports

Im not sure how the credit bureaus did their verification method and investigation process but I strongly believe that they have furnished these accounts under a wrong credit report. 

XXXX XXXX - Account # : XXXX XXXX  - Account # : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) - Account # : XXXX
Product: Prepaid card

For a little over a week now I have not been able to get to my money on my rushcard I have called everyday with no luck i have sent emails I live pretty much paycheck to paycheck I 'm a single mother XXXX and I just want my money that I work hard for ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries started appearing on my report that I didnt make. I called all three credit bureaus to place fraud alerts on my reports. Stating that lenders or financial institutions should ONLY verify with my phone number and email address. Whoever was calling in was able to keep changing my alert to their own number and information. I was almost locked out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified letters to Equifax and XXXX informing them that incorrect information existed on my report pertaining to unauthorized inquiries. I attempted to contact the companies directly however to no avail. I also reached out to the credit bureaus individually, both on XX/XX/2023 informing them that certified letters demanding prompt deletion of these inquiries, as required by federal Statute 604 under the Fair Credit Reporting Act, had been mailed. Both bureaus refused to adhere to the law and refused to o all that they could in that moment, to protect me, the consumers rights and privacy.
Product: Credit card or prepaid card

I have an Apple Card with Goldman Sachs, which I connect my XXXX  XXXX checking account to the ACH service. 
It used to be connected to my old XXXX checking account, but I delinked and updated my bank information when I closed the account with XXXX over a year ago. Since then, I had no trouble having XXXX deduct my balance on due date from XXXX XXXX checking account until the most recent payment date, XX/XX/XXXX. 
On that day, XXXX somehow tried to withdrew my balance due {$64.00} from no longer viable XXXX Account. Since the transaction did not go through, XXXX charged me {$7.00} for the interest, and also the statement shows that they will charge me for additional interest on XX/XX/30 because my payment was overdue for the XXXX balance. 
I immediately contacted the customer service and explained the situation. I talked to two supervisors, and they refunded me the {$7.00} interest rate, but did not acknowledge the future interest. They told me that they would look into this and resolve within 10 days. Yesterday, I received an email telling me that the issue was fixed, but I still see the future interest rate charge on my card record. 
I contacted the XXXX customer service again, repeated the same explanation, but they insisted that they would only see on checking account info, XXXX XXXX. I tried to send a snapshot of the ACH transaction showing the last four digit of my old XXXX account, but they were not able to receive image files because of their system setting. 
Since I exhausted my options to resolve this issue with XXXX bank directly, I need your help to have them look into the error ( deducing the balance from my old XXXX account removed long time ago ) and remove any future interest charge since I paid everything on time even after they made this error. 
Thank you in advance for your support. 
I will attach a snapshot of 1 : my bank account info on Apple Card 2 : XXXX transaction showing that XXXX tried to withdraw {$64.00} from XXXX 3 : Future interest amount to be charged on XX/XX/30 4 : Past 6 months payment records showing that I have consistently paid via XXXX XXXX  account until XXXX bank made an error on XXXX
Product: Credit reporting or other personal consumer reports

When my old XXXX XXXX XXXXXXXX XXXX credit card had fraudulent charges, the account was closed and the balance was moved to a new account around the same time XXXX XXXX  merged into a new name XXXX XXXX XXXX XXXX. 

Then I received a late fee notice from " XXXX '' on XX/XX/2023 stating that I owe {$40.00}. I have not idea who is " XXXX '' nor agreed with this debt. But the amount being immaterial, I paid this online through their new XXXX XXXX website on XX/XX/2023 which had my old credit card account there and subtracted {$40.00} from my checking account on XX/XX/2023. 

The next month, I got another bill with added {$35.00} late fee plus XXXX interest for a total of {$85.00}. So, I paid this online again at XXXX XXXX website on XX/XX/2023 and this was subtracted from my checking account on XX/XX/2023. 

After realizing that XXXX XXXX reversed {$40.00} and {$85.00}, I wrote a personal check for {$85.00} and mailed it ; that was deposited, subtracted from my checking account, and then XXXX XXXX rejected it. But I have never received any monetary refund or credit to my checking account for {$40.00}, {$85.00}, and {$85.00} ; totaled {$210.00} was kept by XXXX XXXX XXXXXXXX XXXX XXXX and I don't see where I got credit or reimbursement. 

And yet again, our credit report has been negatively affected by XXXX XXXX XXXX XXXX even after we made the payment and it's not clearing the account and stealing our money. XXXX XXXX no longer exist after the merger as it is now XXXX XXXX XXXX XXXX. Please help me resolve this as I have already made the payments, numerous phone calls, and even walked into the XXXX XXXX XXXX.
Product: Credit card or prepaid card

I opened a credit card account under my business through XXXX. They advertised XXXX in XXXX XXXX bonus miles if I spent XXXX in purchased within 4 Months. I spent this amount and never received the miles. I spoke with a rep of Citi today and they said it does not apply because I had previously received miles for another credit card. From reviewing their terms which is available through a small link under " Pricing & Information '' they have a section that says it is for new accounts only. This was a brand new account I was opening with a new credit card under a new business name that I have never had a citi card before.
Product: Checking or savings account

Capital One did not issue my early direct deposit on Thursday morning. I became distressed with bills that were suppose to be scheduled to be debited on that day. Anyways i decided to borrow money to cover part of the bills for that day on the notion that capital one will have the issue resolved. Capital one ignored our request for transparency on what the issue was throughout the day insisting only that the matter would be resolved by the end of the day. I couldnt sleep in anticipation that the following morning, Capital One would have resolved the issue. It is now XXXX on Friday, an hour past when regular direct deposits are to be made and capital one has still not resolved the issue. I have incurred fees and penalties as a result of this and i am in distress!
Product: Credit reporting

I recieved a copy of my credit report while trying to refinance my house and several times before I have disputed the same issue at least ten times and they keep telling me the information is correct and I need to contact the bankruptcy court. So I contacted the bankruptcy court via email and phone and the lady at the bankruptcy court clerks office sent me several emails to send to equifax stating they need to remove the bankruptcy 's because they were part of a third bankruptcy that was discharged. Again they said they did there investigation and said the bankruptcy 's are reporting correctly even though I sent them the copys of all the emails from the bankruptcy clerks office with her name that she told me equifax could call her and she would verify the information. I called her and she said equifax NEVER called her to verify anything. I have copy 's of her emails and I can fax them or send them by mail to the CFPB but equifax has copy 's of the emails unless they are untruthful about having them but I have a signature garentee delivery via USPS to prove they received them
Product: Checking or savings account

XXXX is a peer to peer lending company that uses borrowers crypto to collateralize loans from investors ( like myself ). I've been investing with them for almost three years and currently have {$160000.00} tied up in lending products with XXXX. As of two days ago we received an email saying all business operations have been ceased and no withdrawals or deposits will be allowed. 
They said they'll update customers within 10 days, but no one can reach anyone of significance at the company to find out any more details. It appears the company has scrubbed their XXXX page and the XXXX pages of top executives. All collateral and client 's investment funds are supposedly held at or processed through XXXX XXXX XXXX ( registered SEC company ). XXXX XXXX keeps telling us to contact XXXX and won't give us any information, so we have no way to find out what's happening with our funds/collateral or if everything is gone. We have a XXXX channel up where people are gathering evidences, documentations, etc. This is probably the best place to start to get a broad view of what's happening. Details below. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX website : XXXX XXXX XXXX CONST LLC ( Business ID : XXXX ) Formed in Delaware XXXX XXXX XXXX US Business address XXXX XXXX XXXX XXXX Riverside, CA XXXX Phone XXXX ( XXXX ) XXXX XXXX  Founder : XXXX : XXXX XXXX Founder - other company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX website : XXXX XXXX XXXXXXXX XXXX XXXX XXXX SEC registration : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX : XXXX # RegulatoryActions XXXX 'Cease of Operations ' email received by all investors : " Dear MyConstant Users, Given the collapses of several cryptocurrencies so far this year and the rapidly deteriorating market conditions that have been prompting heavy withdrawals across all crypto lending and crypto exchange platforms recently, we are sad to inform you that we are unable to continue to operate our business as usual. As such, we are limiting our business activities, including pausing user withdrawals as allowed under our Terms of Service. 
No deposit or investment request will be processed at this time. 

Our team is working diligently towards our objective of maximizing value for all of our Users, and our top priority continues to be to protect your interests. As we explore all options available to us, we will provide updates to you as we go. 

We hope to communicate with you within the next 10 business days on the next steps to address the situation. We appreciate your patience in this trying time. 

Sincerely yours, From XXXX  team '' XXXX  XXXX ( Mon - Fri XXXX - XXXX, Mon - Thurs XXXX - XXXX PST ) XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my third time asking for correction on my report this company sent proof this the information this is being reported is not accurate. My account number is XXXX and the company is showing a different account number my name is XXXX XXXX and it showing as another name. I know mistake can happen so I need this resolve so I'm asking if this information can be verify with the source of the bankruptcy like the clerk of courts or U.S courts it self so it 100 % accurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint about the inaccurate reporting of late payments by SYNCB/CARECR to the credit bureaus. The records show several payments marked as late, which is completely false, as I made these payments on time. This error is harming my credit score and unfairly affecting my financial standing.
Product: Credit card

On XX/XX/XXXX, I tried to close my account by paying off the balance. I tried to do it on line and they had two of my checking accounts listed, but with the last 4 numbers. My credit union always has the XXXX at the end of the accounts. I then tried to enter the correct one that I was paying from and it didn't work. So I called Capital One and talked to customer service and explained what I was trying to do. I inquired about what the payoff total would be with interest. My statement showed that it was {$14000.00} but the lady I talked to said that it would be about {$14000.00}. but then she lower it to {$14000.00}. I then asked her to process the payment on XXXX and asked her to repeat the number. She was getting very rude and then she finally said that it would take 24 hours to do. Also, was upset that I had closed my account via the internet without talking to her. I also had cash rewards of {$1.00} and I asked if it could be applied to the balance, she said no. I told her to keep the {$1.00} and process the payment. 
On XX/XX/XXXX, the payment still wasn't process through my Credit Union. I checked my accounts several times a day on the XXXX, XXXX and XXXX. I went to my credit union and asked about it and was told that it hasn't been submitted yet. 
On XX/XX/XXXX, I checked with the credit union and Capital one had submitted it to my other checking account that didn't has sufficient funds and was rejected. When I got home from work, I called Capital One and talked to the customer service department and the gentleman was very hard to understand and told me that I gave them the wrong account number to process it. He said that he could only link my accounts since I had closed my account with them. He also stated that I had a credit balance and that it would take 60 to 90 days for me to get it. I then asked to speak to his supervisor and after about 20 minutes, he came on line and informed me that it was my fault that I gave them the wrong number and ended our call. 
On XX/XX/XXXX, I pulled up my Capital One Statement online only to find out that I now have a late charge of {$29.00} added to my bill, but that they also added an additional interest charge of {$300.00} to it. The credit is gone from my account now.

Should I go to my credit union and have them wire the payment? Then I will be out of pocket the extra money to do it. If they would have entered the correct account number in the first place I would be free of them. 
Another thing, every time that I paid my payment I increased it by {$200.00}. and it never decreased the principal, just the opposite. Please help me.
Product: Money transfers

Google wallet froze my account for me to verify my identity and submit tax ID info. I have verified my ID AND submitted the tax ID info. I have more than {$500.00} in there and it wo n't let me transfer it out. I have asked for someone to call me many times and called their support people ( in XXXX ) many times. The out of country support will not help me. Now I 'm attempting to email, call and get call backs and NOBODY there will contact me -- For example, there 's an option to request call back on the website. I request calls and nobdoy calls me.
Product: Credit reporting or other personal consumer reports

On my TransUnion credit report I have XXXX accounts that state was charged off but I never received a XXXX so I can report to the IRS like they did when they got the debt charged off. So why are collection agencies contacting me and they charged this debt off with the IRS this is fraud. The accounts are being collected and they are charged off. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please help me with the XXXXXXXX XXXX? Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion and unfrozen my credit report I waited to ask XXXX XXXX for a installment loan the following at and was denied because transunion credit was frozen I called and it was.. I did it again happened three times finally got past it then they denied me because suspect fraud... back and forth phone tag getting me happy.I really needed some help but no one would in my credit report is froze because of data breach my information got all over the web few years ago and still just going farther in the hole they just really didn't treat me fairly and can't get myself out of this financial bind please help me
Product: Student loan

In  XXXX , I started a loan forgiveness program with  XXXX   XXXX   XXXX  who has been great at handling everything. They work w ith FedLoan Se rvices to allow me to have income driven payments for 10 years and the remaining balance to be forgiven.   Last year, I received a payment of {$14.00} per month compared to my normal monthly payments of {$350.00}. Wow, that was great. It was what the program promised. I receive communication from   XXXX   XXXX   XXXX   that my payment calculation was wrong, but the company would allow me to pay the {$14.00} each month instead of the $ 20ish dollars it was supposed to be.   This year, we resubmitted my tax information f or FedLoan Services t o calculate my new payment Starting  XXXX   XXXX . I received a letter, bill and an email ( dated  XXXX   XXXX  ) saying that my new payment was {$0.00}. Wow, I thought that was even better. I was excited!     On  XXXX   XXXX , I get a letter and a bill that states my n ew Income Driven Pay ment is {$70.00}. WHAT? I called immediately because that was a huge jump from the year before and it certainly was n't {$0.00}. I talked to the person with badge #  XXXX . They were no help. All they could tell me was that there was a mistake made and this would be my new payment. I asked some questions about how these mistakes keep happening, but this is my new payment.     I then called   XXXX   XXXX   XXXX   and they said that they received information from FedLoan that there was an error and that {$70.00} is my new payment.     I am not happy and I do n't understand how they can mess up continuously like this. I wonder if they actually even look at the information provide or if they just pick a number.
Product: Debt collection

This is continues on complain XXXX. 

After I received email from Western Union executive resolutions department " Please be advised that this wont bring any legal implications to you '' ( email attached ), risk collection department continuously harassed me with emails and phone calls " outstanding balance may be sent to a Third Party Collections Agency and your credit score may be affected '' see attachment. 
After the transaction was canceled by Western Union and money was returned to my bank account, I send this money using wire from the my bank account ( see attachment ) and then 30 days later Western Union ask for the money back, because they may be paying someone in XXXX. If this harassments not stop, I will start complaining in social media.