23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I left Washington state XX/XX/XXXX, to go on a mission for our church. We changed our address three times while on our mission. so our mail would be forwarded each time. When we finished the mission XX/XX/XXXX, we did not return to XXXX but relocated in XXXX.

XX/XX/XXXX I made a purchase at Macy 's with my Macy 's card, the amount was {$130.00}, as I recall. However, the bill never reached us, as the address on the Macy 's card was a Washington address. 
The problem was discovered on XX/XX/XXXX, when our credit score was checked and we were apprised of the debt applied against my score. I immediately paid it off with late fees ; {$140.00}. XXXX. Included is my bank statement showing the payment. 
I errantly assumed the problem was resolved. We are now about to buy a home and to my chagrin, I discovered this blight on my credit is to last 7 years! 
Macy 's asked me to provide a confirmation number from the Post Office showing we had changed our address. The P.O. sent the last confirmation number, which didn't work, and would not have shown the original change of address which was the address Macy 's had. 
Since I can't get the P.O. to send a history of our address changes, I would like Macy 's to grant me a " Good Will Adjustment. '' This is an unfortunate mistake. They sent the bill to an old address. The bill was not forwarded. I'm terribly sorry for the inconvenience. I would have paid it immediately, had I received it. This error does not justify a blight on my credit for 7 years! Point of logic : You agree to sell, I buy, both parties are happy ; if we agree to sell/buy, but I fail to pay on time or in full, you add a penalty to the purchase and threaten to make harm my good name ; if I pay all you are whole and so am I. Now, enter upon the modern age : you sell and I buy, but I ( for whatever reason ) fail to pay on time or in full, so you add a penalty and threaten to harm my good name ; but after I pay all you SHOULD BE WHOLE and I should be likewise. Not so, you are free to do significant harm to my good name for seven years! A much higher penalty would be eminently more fair.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
TXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX account due to some fraud, but nothing happened in over 90 days. The dispute started around XXXX of XXXX. I was notified by my landlord that I had to move and found myself XXXX  due to the housing situation. I needed to raise my scores. I elected to settle with XXXX without prejudice until I am no longer XXXX  and can deal with it. I am the XXXXXXXX  of a XXXX  XXXX person so I had to set my priorities. 
I obtained a settlement letter, paid the amount, and have proof that they have cashed the agreed upon amount yet after the the settlement was made the account is still being reported incorrectly on my credit reports. I have worked very hard to resolve this and yet I can not get an accurate rendering of the account on my credit reports.
Product: Debt collection

I called Jefferson Capital, and tried to get the collections off my account but they canceled it and said it was my debt, but I had no idea what the debt was for and wasn't under my email or phone number. It was already taken off of XXXX  but still shows on XXXX and XXXX
Product: Checking or savings account

Close my account because they said that they detected fraud and they close my account XXXXXXXX XXXX XXXX but there's been a lot of transactions that was made on my account that I did not do from California and they still haven't told me why was my account closed
Product: Credit card or prepaid card

Synchrony Bank Care Credit Card showed {$13000.00} on my available credit to use at the emergency veterinarian. I had a balance of around {$7000.00} and made a payment online through my online account with them of {$2500.00} taking the balance down to around {$5000.00} knowing we would have an upcoming charge for XXXX at the vet. During a chat session shortly before I made the online payment they told me payments are credited to my account within 48 hours. I saw that payment on my online account. So I thought things were fine. Then when the vet tried to charge the final XXXX bill for {$6300.00} the charge was denied by Synchrony Bank on my Care Credit Card. In checking with the company they told me it was denied because they put a 9-day hold on the {$2500.00} online payment I made even though this payment clearly showed up on my online account. This is a very deceptive trade practice to fail to disclose in a customers online account that a 9 day hold is being placed on a payment when the online shows the credit is available to use.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a domestic wire transfer of {$6600.00} to fund my account on Coinbase currency exchange. On XX/XX/XXXX Coinbase accepted my wire transfer, charged me a {$10.00} fee for accepting the transfer, and then disabled my accounts ability to use those funds on the currency exchange. I contacted Coinbase customer service on XX/XX/XXXX to request this issue be resolved. I received what appears to be an automated response on XX/XX/XXXX asking me to wait 4-5 additional days for a resolution. When no resolution came, I attempted contacting Coinbase customer support again 3 additional times between XX/XX/XXXX-XXXX. There has been no progress or resolution to date. I am unable to utilize the funds in the account, I am unable to get Coinbase to return the funds back to my bank account, I am unable to initiate a wire transfer from Coinbase back to my bank, and Coinbase has provided no customer support.
Product: Bank account or service

When I purchased a home the company completely messed up the funds and the mortgage company sent them followed by an attempted hack of my account which locked it for 7 days and when I called them about it they transferred me around to try an get me to hang up and in fact hung up on me.
Product: Student loan

I recently entered into a repayment plan with Navient. I was never informed by them that the payment was well below the required monthly interest assessed on my outstanding debt. This was very surprising to me, as I have been paying over {$200.00} per month on approximately {$25000.00} for over 20 years. Consequently, the repayment plan was adding to my overall principal because the unpaid monthly interest was being capitalized and thus, I was being charged interest on that unpaid interest. When I requested an amortization schedule, which I believe every borrower has a right to obtain, I was informed that the only documents available to me were linked on my account. None of those documents were a detailed accounting of how my payments have been distributed between principal and interest over the life of my loan repayment. They were merely summaries of my account which did not satisfy my request nor did it put my mind at ease that my loan repayment was, indeed, being administrated properly. Unknown to me, was the fact that Navient compounds interest daily. At an 8.25 % interest rate, I will never get this loan paid off. The company never ever provided information to me in order to gain some relief over this never-ending debt. If the government wants to bring down the debt, do n't penalize those of us that have paid our payments on time. Bring down the interest rates and do n't allow the loan providers to compound interest on a daily basis. That aside, I want an amortization schedule to review the accuracy of my payment distribution. Where can I legally obtain one? If the servicing entity can not provide it, who can? I think it should be unlawful to deny a borrower such information on money that he/ she has been repaying.
Product: Mortgage

On XX/XX/2018, I received a bank notice that unless real estate taxes were paid by XX/XX/XXXX, my home ould be put up for a tax sale. ( The notice was dated XX/XX/XXXXbut not received until XX/XX/XXXX. This is the same day the bank took action ). I usually pay my taxes late and have never had a problem before. 
On XX/XX/XXXX I went to the bank to get a cashiers check. The teller could not do it. The manger came out and said my home equity account was frozen as the bank paid my taxes. I went to my town tax collector and they said they did not receive my taxes and they did not send a notice to the bank. If I paid my taxes that day it would have been approx {$13.00} less. 
I went to the parking lot and called the bank. After speaking to more XXXX and then XXXX XXXX was pushed to a third party. A woman from the executive branch informed me they sent the payment on XX/XX/XXXX and my account was frozen. 
I have been at my same branch for over 35 years.. From XXXX XXXX to XXXX to Wells Fargo . I have 6 accounts with Wells Fargo and have NEVER had an issue before. My accounts were always paid. 
Now I find that besides my account being frozen, they have ruined my credit score I went from very good to poor. They also debited my account on XX/XX/XXXX while the check did not get to the town until XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

It was {$500.00} unauthorized transferred from my Zelle account without my permission
Product: Credit card or prepaid card

On XX/XX/2020 I submitted a dispute for a {$100.00} duplicated charge on my chase credit account from the vendor XXXX XXXX. I am not understanding why chase bank is preventing me from contesting a duplicated charge on my account. The vendor provided them false information about missing data from a visa application which was completely untrue. It is totally impossible to submit visa applications on the vendors website without entering all required fields, their systems would not even allow an application to move forward without the proper file sizes let alone allowing an application to be submitted with missing data. I personally attempted to contact the vendor several times but my contacts went unanswered. When I submitted the dispute to chase they provided erroneous accounts of what actually took place. I followed up with chase bank XX/XX/2020 and XX/XX/2020 as their consumer and till this date they have ignored my requests and have not provided any means for me to refute the vendors claims. I ask you to please investigate.
Product: Checking or savings account

I realized my identity was stolen when I received a notification on my phone from Chase bank regarding a withdrawal from my checking account. After a closer look at the account, I found a lot more fraudulent activities span from XX/XX/XXXX to XX/XX/XXXX. There were five fraudulent withdrawals from various Chase bank locations in the total amount of {$15000.00}. 

I was shocked at how easy it was for the fraudsters to walk into a national bank and just take money out of my bank account. Almost immediately after the discovery, an identity theft report with Chase and a grand larceny police report were filed. 

After a couple weeks of painstaking communications with Chase bank, I was partially reimbursed {$11000.00} on XX/XX/XXXX. I went to my branch to request a withdrawal all of my funds and close the account. A supervisor on site told me that my account as frozen at the moment and refused my request. " There's no need to close it, you can continue to make deposits and make withdrawals after account unfreezes '' as the supervisor explained. I trusted his words, but that was a mistake. 

On XX/XX/XXXX {$20000.00} was fraudulently withdrew from the same checking account that I was denied access a couple weeks back. And a {$3300.00} fraudulent purchase was made at XXXX XXXX with my debit card information. How is this possible? I was speechless at what was unfolding in front of my eyes. After I notified the authorities and Chase Bank of identity theft, Chase still let criminals walk into their branch and just take money out? After everything that has been reported and verified by their fraud department? 

I had to dispute again and close my account for good. However, this time Chase refused to admit their incompetence and flaw of the banking system that caused this mess. They denied a full reimbursement of the money stolen and sent me a {$3300.00} check before cut off all communication regarding this case. Chase still owes me {$21000.00} and I think they are keeping that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX/XXXX XXXX and XXXX XXXX XXXX XXXX As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have Written Trans Union regarding Fraud on my account. I have 3 accounts that are fraudulent. They are : XXXX XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ) .
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

I have a Detective working on the case and I have a Sheriffs ( police ) report and affidavit regarding these accounts. 

My XXXX Specialist called me, and after his investigation by contacting the creditors found these to be fraudulent as well and removed 2 Accounts ( optumbank/greensky was not reported with XXXX ) and 3 Hard Inquiries. I was part of the XXXX Breach where this all started. 

I am asking the CFPB to look into this with Trans Union so these accounts can be removed from my credit report which is hurting me and my family from getting credit tremendously. 

Please see attached Police Report and Identity information. 

My Sheriff told me to say that FCRA states a bureau has 4 days to remove these accounts once a police report and affidavit are shown as in section 605b. 

Than you for your help.
Product: Mortgage

Today, XX/XX/2019, I attempted to make my mortgage payment online as I do every month however the online system would not allow me to do so. I also called hoping to be able to make my payment by phone and their system would not allow me to do so. I am not 30 days or more late on my mortgage. It is the last day of the month and I am trying to make a payment so that I do not get a 30 day late on my credit report. The online mortgage system stated I was not eligible to make an online payment because my account is past due. As of today, it is not past due. Tomorrow it will be if I can not make the payment.
Product: Debt collection

In XXXX of 2023 my credit report showing XXXX charge off credit cards that I never opened in my name totaling XXXX. I reported these amounts to XXXX, XXXX and XXXX immediately as fraud and also reported them to AMEX. AMEX stated that the account was canceled then in XXXX it populated back onto my bank account. I never authorized opening any accounts, nor did I sign for any cards, also I never used the stated card. I have no active AMEX cards opened in my name, nor have I ever opened one or missed a payment with my credit cards. Then I was summoned in the mail and legal action was taken against me when I never committed any of the debt. Since then we have contacted the sheriffs fraud department and initiated an investigation. AMEX has yet to drop the law suit despite there being debit and credit cards being taken out in my name and someone stealing my identity. The law suit documents show that a debit card was taken out in my name and the suspect in question has been submitting payments under my name, in addition to all of the fraud that has been accumulated.
Product: Debt collection

I was not told up front the cost of this treatment I told the company I did not have insurance and they made me think it would be covered under XXXX. I was referred here by the hospital and never told cost up front and the bill could not be covered under XXXX XXXX I never received a right to dispute letter from the collection company after it was sent to collection and they are collecting almost twice the amount due after today I called the medical company to find out how much the company charged me for tests they failed to reveal the cost of. Creditors collection is asking for XXXX the total XXXX gave me today was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is aware of me being a victim of identity theft and fraud, as I have reported to them and the CFPB. I have requested that they remove XXXX  XXXX XXXX from my report. I requested that Equifax remove XXXX  XXXX XXXX with a complaint through the CFPB over 30 days ago and they still have not responded and they still have not removed XXXX XXXX XXXX. Equifax has been negligent in responding to my complaint to the CFPB and therefore, I request that they remove XXXX XXXX XXXX from my credit file.
Product: Student loan

I believe that I should qualify for the XXXX as I have made over 120 eligible payments. I submitted all of the required documents ; however, XXXX did not count many years of my eligible work. The loans were recently transferred to Mohela, and I continually try to contact them to ask why all of my payments are not being shown but I can never get a hold of anyone. 

Thank you, XXXX
Product: Money transfer, virtual currency, or money service

Coinbase promises {$5.00} in XXXX for verifying your identity on its application. I have done so and even received an email stating my {$5.00} is on its way. I have never received this {$5.00} in XXXX after 3 complaints to their customer service dept. I have met all the guidelines for this " promotion '', yet they have failed to come through and its been over a month.
Product: Credit card or prepaid card

The complaint is regarding my Chase Sapphire Preferred Card and ability to file customer complaints with Chase. 
1. I had a reservation booked with points at the time I closed my Preferred Card. It was voluntary closure as we decided to open Reserve card in stead. As my travel plans changed, I had to cancel that reservation. Chase declined to give me back points worth ~ {$450.00} that were used for the canceled reservation or to transfer them to my new card. Stated reason was that rewards not used withing 30 days of cards closure are forfeited. However, I started attempts to claim the reward points or cash equivalent back immediatly upon canceling the reservation. 
2. Chase does not give customers ability to open complaints and track their resolution. When I attempted to file complaint regarding the above issue, I was told that when/if Chase representatives create complaints, they send them elsewhere to be processed. They do not give complaint numbers to customers to allow following up on resolution. There is no way for customers to know if complaint was actually filed, and no way to learn how it was resolved. Moreover, it was only from the third representative agreed to file a complaint on my behalf and the two just flat out refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my consumer report. The source of dispute information is XXXX XXXX XXXX XXXX  XXXX. The type of disputed information is Joint Accounts category of disputed information. The dates associated with item being disputed are XXXX, XXXX and XXXX. The explanation for why this item being disputed is because this charged-off student loan account with XXXX XXXX  is showing as in collection with associated late payments. However I have settled this account in full as of XX/XX/XXXX. XXXX XXXX  provided a letter from XX/XX/XXXX and XX/XX/XXXX showing that this account has been paid-in-full charge-off and that the account has been settled in full as of XX/XX/XXXX. XXXX XXXX  also provided me with a Tax Statement for Year XXXX ( Form 1099-C ) with which I filed my XXXX tax return.
Product: Mortgage

In 2013 I applied for mortgage refinancing under the HARP program with Wells Fargo. After submitting the proper paperwork the loan was apparently approved, as I was assigned a closing date. Two days before the assigned closing date I was told the loan was denied.After several inquiries and receiving no information I called my Mortgage Consultant at the local NH office and finally received a letter indicating the reasons for denial, which read ( " Underwriting researched your request and due to Agency requirements and our investor ( XXXX ) the following has been determined. There is aproperty type discrepancy. The subject property is an age restricted community of manufactured homes. The original loan to purchase the property was produced as a Single Family non-manufactured home with no mentioned of the age restriction in the file or the fact it was in a PUD. If underwritten properly at the onset, the loan would not have been approved and can not be approved now since the combination is not acceptable to the Agencies ( XXXX ). All of the above information is inaccurate and false as proven by the information on the recorded properly on the registered deed involved with the original loan. The refinancing rate would have been 3.75 % while my then existing mortgage rare was 6.65 % and still is 6. 6..65 %
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Mortgage

The owe me escrow monies since I am a 100 % permanent and total XXXX veteran. They held onto a majority of it for months. I called daily, left emails. They never answered. They sent me some of the escrow money but continued to hold some even after the original letter from the city stating Im exempt from ALL property taxes. They said they sent it weeks ago the remaining balance of about {$270.00}. Along with that, the last two months the charged me over that amount on my mortgage so that amount does not make sense. I have tried so many times to contact them and they never answer. I do not recommend this company to ANYONE.