23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

TJX Rewards ( Synchrony ) states they offer 90 days relief due to COVID-19, but will only defer 2 monthly payments. I spoke with XXXX employee ID XXXX on Saturday XX/XX/XXXX who informed me there is nothing they can send me in writing outlining the terms of Synchronys COVID-19 relief program, or that my 90 days relief had been used, that they could only send me another copy of my statement. The pandemic is still ongoing, hundreds of thousands of people are still out or work, and TJX Rewards/Synchrony does not have anything in writing to provide their customers who theyre offering 90 days/3 months relief to, but in all actuality are providing 60 days and demanding the 3rd monthly payment. There would documentation attached to this complaint if the financing bank was able to provide any, but they have stated and maintained that there is no documentation that they can send to their consumers.
Product: Checking or savings account

Hello I deposited my payroll check in the amount of {$540.00} to my account on XX/XX/2021. 2 weeks later, on XX/XX/XXXX, the bank illegally withdrew the money from my account causing my account balance to go negative. I called the same day to understand what happened. It took 4 calls ( yes, 4!!! ) to get to the bottom of the issue. 3 agents told me the money was debited from my account because that same check was cashed twice. I explained that it was impossible but they kept insisting that was what had happened. I finally spoke to a manager and he told me a mistake was made by the bank and the money was withdrawn from my account in error!!!!! He said he would submit a request to fix the issue and that it would take between 3 to 5 days. On XX/XX/XXXX I called them again as the money was still not in my account! I was told it would be there in no more than 2 days. Today is XX/XX/XXXX and the money still isnt there. 
I am a student working only part time so I truly cant afford to have {$530.00} stolen from me! I thought I deposited my money with a bank and not some illegal business. Please help me get my money back!
Product: Bank account or service

Good afternoon, My name is XXXX XXXX. 

On XXXX XXXX My ex husband walked into a Wells Fargo branch in XXXX Texas and withdrew {$26000.00} from a joint bank account that only had {$760.00}. This withdrawal was authorized by the bank Manager XXXX XXXX. The account now has an outstanding balance of {$25000.00}. I currently work in XXXX and have spent 3 weeks trying to find out how this was possible. Two days later, my personal and separate bank account was frozen by the same manager that authorized the withdrawal. My attempts to contact XXXX XXXX XXXX have failed as I am transferred multiple times and informed she is on vacation or not available to take my calls. The actions of this banker made it impossible for me to pay bills, put gas in my car and buy food. My attempts to contact other wells fargo branch executives have been met with multiple phone transfers ending right where I started. I have spent 3 weeks playing this cat and mouse game and what seemed like a ray of hope when I sat with a Branch manager in XXXX, teling me the bank was wrong in doing so and that they would follow up with the " resolution department '', later ended in a phone call that once again told me I was responsible for making payments to this balance. I recently received a letter from Wells Fargo Overdraft Deposit Collections and Recovery Department informing me that the money in my frozen account has been used to off set the outstanding balance. When I called the phone number provided I was informed there was a note from XXXX XXXX XXXX stating it was ok to go ahead and off set the balance. To date I am yet to receive a return phone call from the Bank manager, who continues to practice as a banker in the wake of ruining lives. I am out of options and as a result of these transactions I can not afford an attorney to take a major corporation to court.
Product: Checking or savings account

I seek to buy a house. I called XXXX at XXXX ( XXXX ) to wire the necessary funds to my closing attorney. Time is of the essence!! 

XXXX said I could NOT wire the funds to the closing attorney, but I could wire them to my personal checking account ( different bank ). I did at XXXX ( XXXX ). 

At XXXX ( XXXX ), the funds have not left my XXXX account or arrived at my [ Other Bank ] account. 

3+ hours and counting. There is a home closing hanging in the balance. XXXX does not seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a loan that I paid off as being delinquent. I paid the loan off in full in 2016. It is still reporting negatively on my credit. I called XXXX XXXX and confirmed that I did not have any outstanding loan balances with them.
Product: Debt collection

I contacted the debt collector company and capital one to state this acct XXXX opened on XX/XX/XXXX from the debt buyer with a total {$1800.00} past due as of XX/XX/XXXX. This charge was identity theft and they will not remove it. Theese are the companies below that it was reported to. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX date of birth is XX/XX/XXXX & i frequently have to write reports to cfpb regarding Wells Fargo. I have a late payment on my credit report from XX/XX/XXXX. I already wrote in a complaint about this specific thing & i am asking if it can be removed from my credit report. During the time of XXXX, i was going through a long & exhausting process with Wells Fargo regarding unauthorized charges. As the unauthorized charges seemed to be resolved i believe that there may have been a mix up in payment being marked as late. I have always been on time with payments & i seem to have a problem with Wells Fargo frequently for the past year now. I've been a loyal customer for almost 3 years & despite all the troubles i have had with Wells Fargo i still stayed a loyal customer. Last case i wrote, i was told wells fargo can not delete something off a credit report but when this happened once before due to a mistake, they took it off no problem but then added it back a month later. Again, i am always on time with payment. i dont believe i ever had to write in this many complaints about & to one specific company. I am asking for a payment forgiveness for the apparent late payment & have it taken off my credit report. I truly appreciate it & am open to answering any questions. Again, i am asking for the late payment to please be removed from my credit report. Thank you.
Product: Student loan

Signature student loan for XXXX  XXXX XXXX was distributed in XX/XX/XXXX for XXXX. Payment date started on XX/XX/XXXX at 16.250 %, This was then consolidated to a private loan on XX/XX/XXXX. 
Private consolidation loan was then distributed XX/XX/XXXX for {$34000.00}. Current interest rate is 6.00 % and remaining balance as of XX/XX/XXXX is {$18000.00}. Total accrued interest has been {$22000.00}. 
The company ( Navient ) misguided to private loan consolidation giving up all federal loan options and programs. XXXX owned by XXXX XXXX has since subsided and all federal loans for these schools have since been forgiven due serval concerns through the years. Upon applying for federal forgiveness of my original federal loans they indeed meet requirement and thus would have been forgiven. 
Upon servicing my private loan Navient misled and steered me toward forbearance and pausing student loans through the years due to financial difficulties and military service. These forbearances have thus caused additional interest and caused additional financial hardship. An income driven repayment plan or keeping my loans as federal backed loans would have resulted in additional resources available for repayment and consequently forgiveness of the loans in their entirety upon settlement of the XXXX XXXX settlement.
Product: Checking or savings account

I deposited a check by mistake they have the account on hold for 3 weeks now I cant take money or use my card I have my son SSA money in there they wont give me further information this is giving me XXXX I need for them to release the money and close my account or unfreeze my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to review my credit file. When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX WESTLAKE SERVICE INC XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX WESTLAKE SERVICE INC XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2020
Product: Mortgage

On XX/XX/2023 I received my mortgage statement and my XX/XX/2023 payment was not posted on the statement, even though SPS had received the payment. Therefore, the account info was wrong as well as the interest bearing principal. Nor did I receive the payment statement for XX/XX/2023.
Product: Credit card

Capital One has closed my credit accounts for missed payments and i was told this multiple times and they attempt to switch it. I had the sufficient funds in the account they attempted to withdraw from just they couldn't because it would return on there end twice. We finally made the decision to manually step in and charge our other bank to pay off our whole debt with Capital One. 

It is well known, Capital One closed my accounts because they had a error trying to take the payment from my other institutions. This is a problem that could of easily be solved instead they decided to close my accounts. Very sad day as I have been banking with Capital One for years and years. 

I have so many questions, Will my future credit accounts down the road 1-3 years from now be closed because of these closed accounts? 

Will Capital One take responsibility of there mistake and reopen? 

Why didn't they send a notice or call me that they were having a error trying to process payments? 


Such a bummer situation, i attempted to open a new account and they closed that one also. So is my credit banking relations with Capital One over forever?
Product: Credit reporting or other personal consumer reports

there are multiple disputes in the credit report that are a result of idenity theft and not mine. however, the dispute for XXXX collections for XXXX is just outright wrong. i was protected by the violence against womens act and moved into a new apartment because of a court ordered restraining order : i sent all of those documents to XXXX XXXX, yet i got a response from them stating inaccurate information, that violated privacy laws. I believe this is all stemming from source of income discrimination and that this company has violated my rights under VAWA regulations. Experian is allowing this discrimination to continue like there eyes are closed to the reality of the situation because they did not investigate properly. Violating both colorado anti discrimination laws as well as the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

My employer has caused a financial hardship from internal errors resulting in my family having to make our payments within 30 days of the due dates and spread those payments out. Since the hardship, I've been making our payments the following month but within the 30 day timeframe. XXXX XXXX does NOT display the past due amount or last month 's balance due on their statements or online. Because of that, I have to try and calculate what the prior month 's minimum payment is. I simply pay half of the total balance due as the balance on the statement reflects 2 months payments but does NOT itemize what the prior months balance was. This resulted in my payments being mis-allocated and XXXX XXXX did NOT properly communicate to me that they would report my payment 30 days late, due to a past due balance showing {$11.00}. My monthly payment was {$220.00}. XXXX XXXX did NOT notify me or communicate properly that I had a past due balance of {$11.00}. If I had known, I would've just paid it. I spoke with a Sr. Accnt Manger, XXXX . She confirmed on a recorded phone call that it WAS a XXXX XXXX error but I would need to go through the dispute process to have it resolved. My wife and I always pay our bills on time but have recently had to resort to the 30 day window. This is a violation of the FCRA.
Product: Student loan

Aidvantage formally known as XXXX keep placing my loans in forbearance after I told them not too and I supposed to be under income driven payments
Product: Mortgage

Mortgage was refinanced with new loan provider and old lender sent a debt collection letter after the account was closed. They required verification of personal information and then claimed it was required by federal law to say that it was debt collection letter when no debt exists.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a letter from Wells Fargo in XXXX XXXX, SD addressed to my deceased Father ( passed away over 7 years ago ). They issued him a check fees that were assessed on his account and he was entitled for a refund. I went to the local Wells Fargo and a teller told me I would need to contact the number on the letter. 
On XX/XX/XXXX I called the XXXX # and gave the reference # that was on the letter. I told the assistant that my Father is deceased. He placed me on hold for a minute and then proceeded to tell me they cancelled the check and would send me paperwork to fill out to receive a check reissue and it would take up to 45 days for me to receive the documentation. 

In the middle of XXXX I called the XXXX # and spoke to another person ( XXXX XXXX and told her it had been 45 days and I had not rec 'd. the paperwork. She asked to verify my mailing address. She told me they sent it to the wrong mailing address and had me confirm my mailing address again. She said I should receive the paperwork in 14 days. 
On XX/XX/XXXX I received the letter and XXXX form. I filled out the documentation and mailed back via certified mail along with a copy of my Father 's death certificate. 
On XX/XX/XXXX I received back the green certified mail card with stamped " SIGNATURE ON FILE '' XX/XX/XXXX. 
On XX/XX/XXXX : I called the XXXX # as I did not receive a check re-issue. Spoke with XXXX about the check and she placed me on hold. Came back and said it would take 45 days for a check reissue. I said it has been 45 days. She put me on hold again. She came back and said she did not have any information of whether they issued a check or reviewed the paperwork. I asked to speak with a supervisor. She placed me on hold again. She came back on the phone and transferred me to her supervisor ( XXXX ). I spoke to XXXX giving her the history of this situation and she placed me on hold. She came back on the phone and stated they have reviewed my documentation and everything was in order and it will take up to 45 days for a check reissue. I asked " You just now reviewed the paperwork, and its going to be another 45 days? '' She said yes. I asked " Are you issuing the check today? '' She says that she doesn't control the issuing of checks and that it is another department that issues checks. I asked to speak to someone who does issue the checks. She stated it would have to be the XXXX Department. I asked to speak to someone from that department. She placed me on hold. Came back on the phone and told me that department is experiencing larger than normal volume of calls and that someone could call me back. I asked for the name of the person who will call me. She stated " didn't know ''. I asked if they would call me back today. She stated " didn't know ''. I asked for the title of the person that would call me. She stated " didn't know ''. I told her " I'm not comfortable about how this process is going and that I would contact the State of California. I then hung up the phone.
Product: Checking or savings account

An unauthorized opened checking account done under my name without my authorization. Received letter from Chase Bank on XX/XX/2022 regarding activity activity on checking account and that account will be closed. Received business debit card in the mail under my maiden last name today XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I believe everyone one is attempting to take advantage of me based off these fraudulent errors on my consumer report
Product: Credit card or prepaid card

In XXXX of XXXX I hired the services of a XXXX XXXX. I used my credit card to pay {$1600.00} for a total of 26 sessions. The issue started when there was a duplicate charge on my account for the same and from the same merchant. The owner of the company told me it was a mistake and the easiest resolution would be to contact my Credit Card and ask them to refund the purchase. I did just that, but for whatever reason the XXXX XXXX XXXX refunded me as well which ultimately netted in a XXXX  charge. He charged me again, which made sense as I needed to still pay the full amount for the sessions. Unfortunately this cycle continue and different accounts were used to charge my card for the charge amount of {$1600.00}. I eventually decided to terminate my working relationship with the trainer as my finances were in jeopardy based on what I was starting to suspect was fraudulent behavior. Chase refunded some of the charges, but there are still outstanding charges on my account. There were several phone calls with Chase when this first happened and I provided documentation via their online inbox system. Initially I didn't hear back but then was later told that they were not able to reach the merchant. Not that my claims were false but that they couldn't reach the merchant. I revisited the issue in XXXX as I was trying to get my finances in order and I gathered all of the documentation I had and sent it to Chase. They concluded their investigation by saying that because of the time that had lapsed the charges would remain. All of the documentation submitted then I will upload here for reference. I don't understand how I can be responsible for fraudulent and duplicate charges. Three different vendor names, all orchestrated by the same person was used to charge me the same amount over and over again. The data alone should show there is an issue regardless of lapsed time. I stopped using the card ages ago out of principal, because Chase is not protecting its consumers. I have essentially been paying interest on disputed charges for years because Chase won't address this.
Product: Student loan

On Thursday, XX/XX/2018, I spoke with Navient regarding my private student loans in an attempt to inquire about extending the military deferment due to inability to make payments as a bill of {$1200.00} is showing due on XX/XX/XXXX. I am currently serving on XXXX XXXX and have a total of XXXX years and XXXX  months of XXXX XXXX XXXX. I was informed by a representative that I was no longer eligible for the deferment and the terms of the military deferment have changed where being on XXXX XXXX was not enough to qualify for the deferment.

On Friday, XX/XX/2018, I called Navient again to follow-up regarding this issue and to discuss payment options. I spoke with the representative who informed me that the terms for the deferment were updated in XXXX based on guidance from the Department of Education. Per the representative, Navient updated their terms in XXXX as well. She informed me that all Service Members who had the military deferment applied to their account were not notified and the Service Member would only be informed if they called Navient to renew the deferment. The representative told me that it wasn't prudent for them to inform the borrower and their stance was to allow the Service Member stay in deferment until expiration. Upon expiration, the Service Member would contact Navient to renew and then Navient would inform the borrower of the change in eligibility for the military deferment.

The representative reviewed my account and the military deferment expired in late XXXX, which was less than three weeks away from the payment due date where I have to manage to pay {$1200.00} in less than 10 days in order to keep my account current. I asked about repayment plans and she sent me to the private collection department where it was discussed that I can extend the terms my loans to 30 years with a variable interest rate. Once I agreed to these terms, I would be locked into this for the life of the loans with no other repayment options.

Navient 's lack of notification to the borrower is egregious. Their poor mismanagement does a complete disservice to their customers especially to the military members who are unfortunately borrowers. If they were changing the terms and options for military members, that should have clearly been communicated so the borrower would have more than enough time to devise a financial strategy and plan in preparation for the repayment. We work hard and take great pride in serving in this great country and now we have more added stress to include the financial burden with no additional repayment options to make this easier.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have 7 unauthorized inquiries on my credit report on XXXX from the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX unauthorized inquiries on my XXXX report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I never recived any documentation from this debtor about legal actions being taken, debts being sold, or sold receivables being transferred to an affiliation of the parent company. I received a wage garnishment judgment that was addressed to a job I have worked at from XXXX - XXXX although my credit report said the debt was from XXXX. Also, the 2 debtors are the same company for different amounts and I have no idea who they are. I never received notice. I have a notice from the court that service was made in XXXX XXXX, MD to me on several occassions but on the dates listed I was at work in XXXX, MD. 
There is no account numbers listed in a correspondence I found through XXXX or listed in the complaints. Also, the debtor locations from the filings are in two states. One of the cases has a request to reissue a summons filed XX/XX/XXXX.