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

On XX/XX/year>, {$2200.00} was fraudulently withdrawn from my Chase Bank checking account using a counterfeit check at a physical bank location. Upon discovering the unauthorized transaction, I immediately reported the fraud to Chase Bank and filed a police report. Chase Bank accepted my fraud claim and initiated an investigation. However, as of XX/XX/year>, Chase informed me that the bank that accepted the fraudulent check has not yet responded to their inquiry. Chase stated that they will continue following up for 90 days, but they can not force the other bank to take action. To this day, I have not received my stolen {$2200.00}, and I am seeking urgent assistance in recovering my funds.
Product: Debt collection

AmSher is attempting to collect on a debt that i do not owe .I mailed a certified debt validation letter to their company requesting specific documentation to validate the debt which are a signed contract with my signature binding me to this debt that they are claiming i owe.Also i asked for information regarding how much they paid for the debt, and other important documents which i have not received therefore the debt has not been validated Amsher only sent a account summery no signed contract .By law the FCRA requires debt validation which has not been done by AmSher they are in violation with the FCRA and i will file a lawsuit if this debt is not removed of my credit report.
Product: Checking or savings account

I've been receiving numerous mediation request forms from Wells Fargo, several filled out to date. I received three more today, XX/XX/XXXX, a sixth one filled out and mailed in. Wells Fargo insists on sending these forms after CFPB complaints filed regarding damages from unauthorized accounts opened by Wells Fargo reps. A mediation session was made on XX/XX/XXXX, unfortunately, Wells Fargo rep by the name of XXXX XXXX was not able to resolve issues with settlement amount offered.. The amount offered, {$500.00}, does not cover damages sustained including inability to open accounts with other banks including XXXX  XXXX XXXX, XXXX, XXXX, XXXX, as well as others. I've been declined at these banks due to information reported to consumer agencies such as XXXX XXXX, XXXX, XXXX XXXX XXXX. I requested reimbursement for potential interest could have earned had I been able to open said accounts, I was offered a small amount of {$500.00} which does not cover damages. As I said prior, I have recently mailed in another mediation request form, unless Wells Fargo is willing to offer a reasonable settlement amount, then please advise them to STOP mailing additional mediation forms. Also, the offered amount of {$500.00} was not received and as far as I know, was never sent out. Wells Fargo likes to reply in part by stating, " Numerous attempts at resolution made, exhausted all efforts '' I believe these supposed efforts refer to their mailing of these duplicate mediation forms which again, were not successful in resolution as their offer does not cover damages
Product: Mortgage

Freedom Mortgage paid my house insurance premium of {$750.00} out of the account for my four-plex mortgage. The statement that I can download online shows that the {$750.00} was deducted and then credited, but there is no actual balance that reflects this. The escrow account disclosure statement that was mailed to me XXXX attached ) shows that the {$750.00} was deducted, but not credited. The accompanying balance on this statement reflects the {$750.00} deduction, but as mentioned, there was no credit back to this balance. 
I asked for documentation that shows a balance to clarify this. Freedom Mortgage has sent a statement with the deduction and credit of the {$750.00}, but were hiding the balances. I responded within their email system asking for documentation of the credit with the corresponding balance. They responded that I did not have authorization for such information. 

After multiple phone calls and emails, representatives are unable to answer what has happened with my account and they refuse to give me the information that I am requesting ( i.e. the debit and credit of the {$750.00} with the accompanying balances XXXX. They are definitely trying to hide something.
Product: Credit reporting

I am writing to complain about misleading trade practice by Experian Credit Reporting service. 
I recently requested copies of my credit report from this outfit. I was charged a fee for this service of {$1.00} then XXXX on XXXX, then this next month I was charged another {$23.00}. I called then to dispute this and was told it was a membership fee and was non refundable. 
I did not knowingly agree to any membership fee and found their website excessively complicated. This was a scam to get me to pay for service I did n't want and for a report that by law is free to the consumer once a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months ( around XX/XX/XXXX ) I have been trying to get my credit report from Equifax due to the fact they continue to report incorrect information. They have accounts I have never seen and accounts from XXXX that are paid in good standing, and I no longer have. 
I am a XXXX XXXXXXXX veteran and I applied for a line of credit. I was turned down because Equifax is reporting incorrect information. I made several attempts for several months now to no avail. I am married for 15 years and all my lines of credit are in my maiden and married name ( it is hyphenated ), they only have my maiden name listed on my account. I went on to their site to print my report and was told it ( Report Blocked for Promotional Purposes ). I called and was told it would have to be mailed, this will take way too long. I need to fix the issue immediately. 
I am way beyond stressed by Equifax and the other reporting companies, everyone is using Covid as an excuse to do what they want. I would like help to rectify this situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) has violated my consumer rights by reporting fraudulent information across my Experian, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) has violated my consumer rights by reporting fraudulent information across my Experian, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my Experian, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, Experian, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions.
Product: Debt collection

I have reached out to the company Merchants Association regarding a medical bill that is being reported to my credit report. The company first off started reporting on XXXX/XXXX/XXXX, which at the time they did not have a valid license to collect in the state of Florida. I called the original creditor and they stated account could not be paid with them because they no longer owned the account. I contacted Merchants and explained the situation of the bill they are reporting that I have yet to receive anything and they are reporting without a valid licenses which expired XXXX/XXXX/XXXX. I requested to have the information deleted and removed with any negative comments on my credit report. I was told that I will receive a return call in three business days. It 's now being two weeks with no return calls.
Product: Checking or savings account

XXXX Huntington Bank sent me an e-mail stating that a deposit that I made at a branch would be on hold until the funds cleared. I called and asked customer service why, I was unable to get a good answer since the funds have already been transferred from the bank account that the check was written on. 
The next morning I attempted to log in to check status of account. Huntington web site stated that I have had too many login attempts and that I could not log in. I had not attempted any login. I called again and was told that all of my accounts were on hold pending the check clearing. I have over {$30000.00} deposited, not including the new deposit. I challenged the right of Huntington to encumber all of my accounts. I attempted to escalate the matter through customer service after reviewing the Huntington disclosures regarding the account hold. No one was able to direct me to any document that states they have the right to do anything except not allow me access to the funds for the check in question. The last conversation I had was with a supervisor XXXX XXXX who directed me to an online disclosure " Huntington Online Services Agreement '' which states ; VIII. GENERAL TERMS ( THE FINE PRINT ) We may change the terms of this Agreement at any time. Unless the law requires us to send you a specific notice, we will decide what kind of notice we will give you and the method of providing the notice ''. 

Unfortunately, this agreement is not in a format that can be uploaded. I requested again to be put in touch with an administrator who could resolve this situation but was told that it was not possible. I find this action that was taken to be completely unacceptable. Invoking a fine print statement stating that the bank may change terms at any time without notice is absurd. I want to be contacted ASAP by an executive to resolve this matte
Product: Debt collection

Chase credit card has been calling me day and night to make payments, but they werent willing to work with me during a financial hardship. I offered to pay a reduced amount, but I wasnt able to meet the required amount
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the fair debt collection practices act 15 us 1692 ( b ) ( c ) ( g ) by laws I did not give this collection agency the right to place/furnish anything on my credit report. They are in FDCPA violations, I have a right of protection from disclosing my debt/information to others by law it is the consumer reporting agency resposibility to protect my rights from furnishing my credit report with the following documentation such as Consumer statements, Public remarks, Closed accounts, Inquiries, Closed statement remarks, Late payments/remarks/Victim of fraud statements on all three credit beuruas XXXX, XXXX, experian
Product: Credit reporting or other personal consumer reports

I have sent multiple online request to Experian to correct my name. I've submitted the requested documentation multiple times, but they still refuse to correct the name on my credit report. They continue to use a name that has never existed legally in my life. It has damaged my life as i am not able to refinance and get any mortgage. 

XXXX and XXXX- they both have my name correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is the request that i sent to the bank to make the credit correction to my credit report we did a short sale and they are reporting it was a foreclosure I have all docmuntation if you need itXX/XX/XXXX XXXX, XXXX Customer Service, XXXXAttention : Research DepartmentXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Loan Number : XXXXProperty Address : XXXX XXXX XXXX, CA XXXXBorrowers : XXXX XXXX XXXX, Social Security Number XXXX XXXX XXXX XXXX Social Security Number ***********Dear Madam or Sir, I am writing as the above referenced property closed through a short sale on XXXX XXXX, XXXX have provided a copy of the final HUD for your records. I need to have our credit report updated as quickly as possible, please to reflect that our home was not a foreclosure. Our credit report should reflect that our loan was indeed paid in full for less than the full balance, through a short sale and the date of XX/XX/XXXX 
We are in the process of purchasing a home now and are unable to move forward until this information has been updated. Time is of the essence as we have a non-refundable deposit of {$30000.00} on our new home. 
If there 's anything further you need from us, can you please contact XXXX at XXXX? And are you able to provide me of a fax of your determination?? Our fax number is XXXX XXXX.
Product: Student loan

I qualify for loan forgiveness via the Public Service Loan Forgiveness program. I have a letter from XXXX XXXX dated XX/XX/XXXX that states I have made a total of 63 qualifying payments and have 57 qualifying payments remaining and an estimated eligibility date of XX/XX/XXXX. However, at the time my online account showed that I only made 54 qualifying payments and had 66 remaining. I submitted a request for this to be reviewed on XX/XX/XXXX and was told that it would take up to 10 weeks to be fixed but that the information in the letter was accurate. However, the online account was never updated to reflect the information received in the letter. I submitted an online request in XX/XX/XXXX about this same issue but never received a response and nothing was updated. On XX/XX/XXXX, I re-certified my employment for XX/XX/XXXX through XX/XX/XXXX, during which time I made 12 on-time payments. When I re-certified, I also submitted a letter inquiring about the miscalculation issue and submitted documentation that showed the discrepancies ( a copy of the XX/XX/XXXX letter and screen shots from my online account ) and asked that the information be updated. I received a letter dated XX/XX/XXXX stating that my employment was certified but I did not receive a letter detailing updated number of total qualifying payments made and payments that are still needed. I also did not receive anything regarding the issue of the miscalculations of my payments. However, my online account has now been changed and now shows that I have made 65 qualifying payments and have 55 remaining and has pushed my estimated eligibility date back to XX/XX/XXXX, adding a full year of payments that I shouldn't have to make. This is not correct! With the 12 qualifying payments I made between XX/XX/XXXX and XX/XX/XXXX, I should have a total of 75 qualifying payments made and have 45 remaining. I called today ( XXXX XXXX ) and spoke with a representative who said my initial review request from XX/XX/XXXX has not been addressed yet and it could take up to 6 months ( it's been 10 months ). She also said that of the 98 payments I have made since XX/XX/XXXX ( when I first became eligible and starting making payments ), 33 of them don't qualify because I didn't pay the full amount. I have always made full and on-time payments, and have never received any notices of late payments or delinquency. I have documentation that states what my qualifying payments were as of XX/XX/XXXX and have the amounts, statement dates and confirmation numbers for every payment I have made for the past three years. However, XXXX XXXX will not give me any straight answers and will not work with me to resolve this issue. As of today, I am now being told that it can take up to a year for the issue to be resolved. That is crazy! I have called multiple times and I am never given a straight or clear answer. I'm continually told to wait weeks or months and call back. Meanwhile, the qualifying payments that I have made and continue to make are not being accurately accounted for and applied to my loan forgiveness eligibility.
Product: Credit card or prepaid card

From XX/XX/XXXX to XX/XX/XXXX I received a series of charges in the amount of {$1700.00} from a company called " XXXX '' and " XXXX. '' We assume that " XXXX '' is for the XXXX XXXX XXXX, and XXXX is subsequently a similar company. The total amount of charges over the month amounted to XXXX charges from XXXX, and XXXX from XXXX. I have included an XXXX sheet detailing the transactions. 

While I did order a few items from XXXX, I did not order that many items, nor did I order that much. I also did not order anything from XXXX at all in XXXX of XXXX. I also did not approve to have multiple payments spanning over the months to be charged to my account, which is what XXXX has done. Given that the amount and scope of what XXXX I consider all of these charges to be predatory, and erroneous.
Product: Checking or savings account

**Background** 1. I was skeptical of an Online only bank to perform interactions 100 % via web.. But did 2. After loosing my wallet, several unauthorized charges appeared on my acct.

3. AXOSbank cancelled my card without ANY consideration of needing access to funds.

4. AXOSbank 's policy is it takes 7-10 days to get a replacment card.

5. With not brick and mortars, seemingly not a single competent bank is employed with AXOS, as who can survive without $ $ for 2 weeks waiting on this snail mail process.

**New Issue** 6. I reported unauthorized ( recurring ) charges to my account and referenced it was from the previous fraud... As I remember the vendor being the same ( XXXX? ) 7. AXOS again deactivated my card without a single bit of notice to the consumer... 
8. I am again without funds while that mess gets sorted out.

**Burden from Axos** 9. Axos can not /willnot provide anything other than pompus virtue singling assistance via there chatt... I DO NOT NEED CONSOLATIONS, I need results/actions.

10. In an attempt to transfer $ $ to a prepaid visa card, I make a purchase and attempt to make a bank transfer to this acct... Axos rejects.

11. I am working overtime, running around the house 7 times in effort to supplement Axos ineptitude of banking competency & get access to funds.

12. Without ability to pay my motel bill and now homeless without access to any ov my $ XXXX 
13. While I am very disgusted with AXOS 's business model and needing to find a replacement bank ; I still need access to $ $ via debit card transactions and was trying to find another bank to open an acct.

12. Axos bank sends me a letter telling me they have cancelled my acct ... and they will be mailing a cashiers check to the address I am no longer at and has been the source of 2 separate frauds.

I need my $ $ and need a competent exec to speak with about getting those funds wired to another bank!!
Product: Bank account or service

I made a truck payment on a Friday and everything was fine I even put extra money into my account to cover everything. I account was showing positive and as well as Tuesday morning even. Then I get hit with a XXXX dollar overdraft fees. I called customer service and he told me that the online banking can give false readings on weekends and is n't accurate. I was very upset cause I worked hard to keep everything positive and then they just blind sided me with these bogus fees. Please help.
Product: Debt collection

I lost my job in XXXX of 2016. I had taken out a loan with CircleBack Lending, but informed them of my unemployment status. I sated that as soon as I regained employment I would be able to begin paying again. I was unable to regain employment until the beginning of XXXX. I have done everything they asked, but I continue to be told my loan status is delinquent. I received calls and emails constantly, even after speaking to someone. I am being bullied and harassed by this company as I have several emails indicating that CircleBack may have to report me to debt and credit reporting agencies. In addition, my family members have been contacted on home phones and cell phones.
Product: Credit card or prepaid card

This is concerning a dispute original filed in XXXX, and continued throughout XXXX into early XXXX, throughout which period I provided numerous supporting details and corresponded extensively with Chase Bank before they ceased responding. 

On XX/XX/XXXX I was charged {$1000.00} to my Chase credit card by a mechanic who DID NOT perform any repairs on my car as a " release fee '' ( he had quoted {$120.00} ) for my vehicle. He also charged {$1300.00} to the other card he'd taken on file, which XXXX XXXX promptly refunded when disputed. However, Chase bank has maintained for 2.5 years now that since I provided the mechanic with my card, I thereby " authorized '' him to charge me the {$1000.00}. 

His charge was illegal. He did not provide me with a quote for this amount, as required by Ohio law. He did not perform any repairs. He also illegaly refused to release my car, forcing me to call police multiple times, and file several reports that he apparently " smoothed over with his friends at the office '' ( direct quote ). 

This is illegal. Chase Bank is a disgrace. I am requesting {$2500.00} compensation for the abuse and wasted time I've endured.