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

I opened a savings account with Citizens Bank on XX/XX/year>, under the promotion term : get {$500.00} by making a single or multiple deposits totaling {$10000.00} into one personal savings account XX/XX/XXXX XXXX and maintain the balance for five consecutive months. 

I deposited {$10000.00} by XX/XX/XXXX. I first transferred {$1000.00} from external bank. Then, when I tried to transfer the other {$9000.00}, Citizens Bank blocked my savings account from any external transfer. Feeling at a loss, I went to a Citizens Bank branch. At the branch, I asked Citizens staff to lift the restriction, and provided all documents needed, but they were not able to do so in a timely manner. In order to satisfy the promotion requirements, I was then instructed by the branch officer to transfer the {$9000.00} from my external account into my Citizens checking account, which was not blocked for transfer at that time, and then move the {$9000.00} from my Citizens checking to Citizens saving. I did exactly that, and did it by XX/XX/XXXX. By XX/XX/XXXX, I had transferred a total of {$10000.00} into my newly opened savings account. 

I maintained the balance through XX/XX/XXXX. But Citizens Bank did not pay out my {$500.00} bonus. 

I inquired with the online chat rep of Citizens Bank. The rep told me the {$10000.00} was not all new money. However, this is not true. I am not satisfied with this result, for the following reasons : 1. All of the {$10000.00} was new money to Citizens Bank, none of that was in deposit at Citizens before the promotion period XX/XX/XXXX XXXX. 
2. Citizens bank blocked my savings account from receiving external transfers. This is not honest business practice by first advertising a bonus for deposit, and then blocking the customer from making that deposit.

3. I have done all I can, in good faith, to complete the promotion requirement. And even the branch staff of Citizens Bank told me this should be fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contact ( Equifax Credit Report ) To Remove Most Of My Inaccurate Credit Report Request for Investigation of Multiple Unauthorized Inquiry I checked my personal credit report, which I acquired from your organization on [ equifax ] and I noticed Multiple unauthorized inquiry had been made. I contacted [ equifax AND ALL OF THE ASSOCIATION ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into [ equifax AND ALL OF THE ASSOCIATION ] of this multiple inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove ALL of the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation ( With Proof ) within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Here 's The Following Inquiries .... 

-XXXX Auto Inquiry from XXXX XXXX, XXXX -XXXX XXXXXXXX Auto Fi Inquiry from XXXX XXXX, XXXX -XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX S Inquiry from XXXX XXXX, XXXX -XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX -XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX -XXXX Auto Inquiry from XXXX XXXX, XXXX
Product: Checking or savings account

Two years ago ( XX/XX/XXXX) I was enrolled in a low deductible health insurance plan with an HSA account. There was a low balance fee ( custodian administrative fee ) of {$2.00} per month for balances under {$2000.00}. I changed health plans in XX/XX/XXXXto one that did not have an HSA. I did not contribute to the HSA nor did I withdraw from it in XX/XX/XXXX, and I did not carry any balance. It was effectively unused and deactivated. This year I changed back to the same plan as in XX/XX/XXXXwith the same HSA. In XX/XX/XXXX I was charged {$30.00} ( 15 x {$2.00} ) in fees for low balance. It's possible {$2.00} of that was for XX/XX/XXXX, but the other {$28.00} ( or minimum {$24.00} for 12 months of XX/XX/XXXX x {$2.00} ) was charged for when I was not able to use the account. I called the benefits administrator ( XXXX ) and they called in with me to Bank NY Mellon, and both parties said they were unable to reverse or waive the fees. This was in late XX/XX/XXXX or early XX/XX/XXXX.

Note that I changed addresses in XX/XX/XXXX.
Product: Checking or savings account

I'm trying to close my personal checking account with Chase. I now live overseas, and their services are not fit-for-purpose for international use. 

I first contacted them, via secure messaging on their online account portal, on XXXX XX/XX/2023 to enquire whether they can close the account for me. They replied on XXXX XXXX to say I first needed to transfer my balance ( {$2500.00} ) out, then they could close it online. 

I wanted to do an ACH transfer to my other US-based account. Using their online account portal, I set up my other account as what they call an " external account ''. Chase requires a verification process, which involved transferring two small sums to my external account, and then I confirm the amounts to verify the external account. I did this successfully, and submitted a transfer of my entire balace on approx XXXX XX/XX/2023 ( plus/minus a day or two, I can't recall the exact date ). 

After a couple days, when my balance didn't turn up, I tried to log into my Chase account online to investigate. I found that their fraud team had blocked the transfer and locked my account. I found this odd, given they had just told me to transfer my balance out, so they knew it was coming, and also had just successfully gone through the verification process to establish the external account as my own. I had to call up, which took quite a long time, to get my account unlocked. 

For a second attempt, I re-did the verification process for my external account ( it had been removed ), and sent Chase a secure message on XXXX XX/XX/2023 enquiring how to ensure that this block wouldn't happen again. They replied to the secure message saying I needed to call again. After spending a long time on the phone, they said there was literally nothing they could do - despite all the verification ( and there was a lot ; e.g., bank card numbers and pin numbers, past addresses, etc. ) they expected the transfer would be blocked again and my account locked, again. They suggested trying a wire transfer, but this might also be blocked, and also would allow Chase to extract a large fee without ( in my view ) cause. 

I view this all as unacceptable. All I am trying to do is close my account and recover my money, but they are making it difficult, time-consuming, and expensive. It does not make sense to me that they are simply unable to green light a transfer under all this verification. 

The outcome I am hoping to achieve is for Chase to allow me to move my money into my designated account and close my account, and ideally never have to deal with them again.
Product: Debt collection

Company called and left threatening voicemails saying they were going to take me to court over a debt i was unaware of at the time and they called family members and my employer. 

While speaking to my employer they asked what the procedure is for cops to come arrest me at the workplace. 

After that i got in contact with them and they said I owed an ammount of approx XXXX for a debt from 2016, I assumed the debt and payed off a negotiated ammount. 

Now, weeks later, they start calling family members again and leaving voicmails of threats to locate me and sue me for " intentionally defrauding a financial institute '' when I spoke to them now all of a sudden theres a " 2nd '' account that wasnt mentioned before and i owe another approx XXXX for reasons unknown to me and seemingly unverifiable by them. When asked repeatedly what their company name is I finally got XXXX from the representative. 

They called from various numbers and the contact number is ( XXXX ) XXXX they never answer with a company name just their personal name.
Product: Debt collection

A family member 's phone number was called by a man named XXXX XXXX who said he worked for XXXX XXXX XXXX and at first said they needed to speak with me or to my attorney in a message on their answering machine. When I was played the message, I contacted them after doing a web search of the phone number to discover they 've been harassing other people into paying old debt that has gone past the statute of limitations, supposedly scamming them, and even gone to the length of harassing people just because they have similar names with people who incurred debt. I even listened to some of what they had to say and did not recognize names of any companies or addresses but the year they named being 2006 of when the debt began. That would make it well over 10 years for whoever incurred it and that goes beyond the fair debt collection practices of 7 years which would make it time barred. I feel sorry for the people they 're still seeking to do that to, there are laws in place meant to protect the consumers after so many years have went by and this creditor is violating those laws.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account listed on my credit reports with XXXX, Experian, and XXXX, Upon reviewing my credit reports, I have identified inaccuracies in the reporting of this account that require immediate attention and correction. 

Please find below the details of my dispute : Incorrect Account Status : The account status is reported as " Open '' on all three credit bureaus, which does not accurately reflect the current status of the account. While the account was previously delinquent, it has since been brought current and is being paid as agreed. Therefore, the account should be reported as " Paid as agreed '' or " Current, '' reflecting its updated status accurately.

Inconsistent Payment History : Although the account history indicates past delinquencies, it fails to reflect recent payments made to bring the account current. While Experian accurately reflects recent payments, XXXX and XXXX continue to report delinquencies. This inconsistency in reporting requires clarification and correction to accurately reflect the current payment status of the account. 

Discrepancy in Balance Reporting : There is a discrepancy in the reported balance across the credit bureaus. XXXX reports a balance of {$160000.00}, whereas Experian and XXXX report a slightly higher balance of {$160000.00}. Given that the balance is a critical factor in assessing creditworthiness, I request verification and alignment of the reported balance across all three bureaus. 

Date Last Active : The date last active varies among the credit bureaus, with XXXX reporting XX/XX/year>, while Experian and XXXX report different dates. This inconsistency raises concerns about the accuracy of the reported information and requires verification to ensure consistent reporting.
Product: Credit reporting or other personal consumer reports

Dispute Department Equifax Consumer Solutions XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, the Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

Enclosed : Identity Theft Affidavit Notice to Furnishers FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had a solar system installed on the house, and got a XXXX mortgage through that process with Greensky. The mortgage was designed as an 18 month no interest/no payment loan, and if not paid off within the 18 months, the interest accrued would be added to the balance and it would become a 7 year mortgage. The problem is that throughout the 18 months Greensky added the accrued balance to the loan amount for purposes of reporting to the credit bureau, so at the time I went to refinance the loan, my credit had been destroyed due to having a loan on my credit report which showed a balance of {$32000.00} with a credit limit of {$25000.00}. Due to my low FICO score, I am now having to pay an additional 3 % interest on my new loan, even though I followed the terms of my original loan exactly and paid the {$25000.00} prior to the end of the promotional period.
Product: Checking or savings account

Deposited a check from a title company after closing a real estate sale. Chase put a hold on the check but said I could have the hold lifted by calling a toll free number or seeing a bank officer. I visited my local bank the next day and, based on the fact the check was from a recognized financial institution and a known customer, she issued a request for the deposit hold to be removed. After seeing the hold still in place the next day, I called the number given to me initially. I had also called the issuing title company and their bank and received assurance that the check was good and that they had spoken to Chase to reassure them the check was legitimate. Three days later I returned to the local branch and spoke with another bank officer who knows me personally and is familiar with the title company and their bank. Despite all involved recognizing this was a legitimate check and that the issuing bank had confirmed this, apparently no individual in the entire corporation has authority to override the unnecessary and excessive hold on my funds which amounts to a form of unregulated hidden fee being earned by the XXXX day float on my funds at a time of high interest rates. The biggest complaint is the total withdrawal of the use of judgement by any humans working at the bank, regardless of level.
Product: Mortgage

In XX/XX/2021, I faxed my 3 tax bills to Homeside to make sure that they had the bills in order to pay my property taxes from escrow. The 3bills are as follows : 1 - 2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- {$830.00} ( PAID ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- {$2200.00} ( PAID ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - {$200.00} ( NOT PAID ) I have corresponded with Customer Service and the Research Department by phone. I have also sent in multiple emails with the documentation including the bills, the deed to the property, as well as a map of the property. The tax commissioner also faxed in a letter explaining that my taxes were delinquent but Homeside maintains that their tax department 's research concluded that I owed no further taxes. Much to my surprise, the tax department can not provide documentation as to who they talked with and when they communicated with this person. I have requested that this information be provided, but to date, it has not. I am asking for Homeside to pay the taxes that are itemized in the bill as well as included in the closing documents. Additionally, I am asking them to pay for any late fees and/or interest associated with this incident. I should not be encumbered by any of the late fees or interest.
Product: Credit card or prepaid card

An ACH withdrawal in the amount of {$2000.00} was made against my credit card. It is fraud, not authorized by me or my husband ( joint account ). Transaction date XX/XX/XXXX. Appeared on my online statement XX/XX/XXXX. I discovered it XX/XX/XXXX and began formal fraud complaint with Bank of America. At least 5 follow up calls from me, and a discussion with local bank branch who also initiated a complaint. 
B of A maintains that I am financially liable for the amount, and that they will take 90 days to investigate if they choose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this complaint to address the inaccuracies on my credit report provided by Experian. The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to XXXX and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX CXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX inquiry XX/XX/XXXX
Product: Student loan

I graduated with a XXXX XXXX in XXXX and began paying on my student loans shortly thereafter. As such, I was counting on having my loans paid off by the 20 year mark this year, XXXX. In XXXX, XXXX I called Navient who was my loan servicer to confirm my payoff date and was informed that I had consented to a " Refinance '' into a " Right Rate '' loan product in XXXX. As I could not recall doing such a refinance, I asked the representative to send me a copy of any and all documents relating to the transaction. Navient sent out a Promissory note with a signature that was not mine. It was my name on the promissory note, but the signature was not mine as I had never consented in writing or otherwise to a refinance. I called to dispute the details of the promissory note and the extended re-payment terms, but the representative said there was nothing he could do about it. In XXXX, XXXX I moved my loans to XXXX XXXX. I feel as though I was defrauded by Navient resulting in thousands of dollars more in payments and that the remainder of the loan should be dismissed or forgiven.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been paying this loan since 2008. My original balance was XXXX and 8 years later i owe XXXX with an 8.5 % interest. I can only afford XXXX a month, of that XXXX, XXXX goes to interest. American Education Services is the worst lender in the world. Refuse to talk to me and told me to get another job. How is this legal? They are getting away with ripping people off!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau, the date of the last letter was on XX/XX/XXXX, and still got nothing from them. That means TRANSUNION has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120000.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} - XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} - XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}-
Product: Credit reporting, credit repair services, or other personal consumer reports

These items are not transactions conducted by me as a consumer. 

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. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX # XXXX has violated my rights. 

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 convictions 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: Checking or savings account

My business account ending in XXXX has not been credited the {$390.00}. Deposit which was stuck in the ATM at the XXXX MA location Monday XXXX XX/XX/19 XXXX morning when making my business deposit. This occurred when the ATM froze, keeping the card, {$40.00} check and {$350.00} cash. I called and a claim number was given to me and was able to get my card back the same day. The next day it appeared the ATM was serviced and everything was found. This after calling the customer service number and they called the branch and verified all of the money and the check was found and verified! I have not however received the {$390.00} back in my account today and is now causing issues with my accountant and a customer who paid a deposit for an item we cant order till the check is deposited and clears! The other day I was hung up on by an employee named XXXX from the call center after being told by the branch to call there about the missing money. The bank is outright refusing to give me my funds that they verified the day after they were stuck in the machine! Please help me get the money that is reghtfully mine that they will not give me! Thank you! XXXX XXXX - President/CEO XXXX XXXX XXXX XXXX