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

My name is XXXX XXXX, I am very old and I am a XXXX XXXX  us citizen. 
I have accounts with synchrony bank for many years. Being XXXX XXXX, synchrony bank, for years, does NOT compute interest correctly for my accounts. My account number : XXXX, the total amount in this account MUST be {$1100.00}, synchrony bank, intentionally and illegally, is showing only {$1100.00} ; synchrony bank is giving me {$1.00} less interest on this account. 
My account number : XXXX, the total amount in this account MUST be {$4600.00}, synchrony bank, intentionally and illegally, is showing only {$4600.00} ; synchrony bank is giving me {$0.00} less interest on this account. 
My account number : XXXX, the total amount in this account MUST be XXXX, synchrony bank, intentionally and illegally, is showing only {$2300.00}, synchrony bank is giving me {$0.00} less interest on this account. 
The time has come for this XXXX XXXX  US government agency to fine very heavily, the same way this agency heavily fined over XXXX dollars XXXX XXXX XXXX XXXX synchrony bank for giving less interest for every account, synchrony bank has millions of accounts. Do your job for XXXX US citizens also.
Product: Checking or savings account

On XX/XX/XXXX I was contacted by an employer who was using an official email address of a non-profit organization. They told me to deposit a check worth {$2100.00} in order to begin the employment. I soon realized this was a employment scam, but by the time I realized the check had already landed in my account. At the start of XXXX, XXXX restricted my bank account because the check was flagged in the system. I've called and asked them to return the check on their end, however they told me they were unable to do so. I then asked to be forwarded to an account specialist, which told me the check was able to bounce within the next 3-5 business days. This account specialist also made is crystal clear after I inquired, that my account would NOT be closed. Please contact the JPMorgan Chase for the call records. Then, {$2100.00} was withdrawn from my restricted account by Chase on XX/XX/XXXX. I called in to ask if the check has been bounced, and they told me that it has, and my account would be unlocked in the following 3-5 business days. On XX/XX/XXXX, I logged onto my account to see that my checking account was closed by the company, contradicting the claims made by the employees on the other end of the support call. JPMorgan Chase refuses to act on my behalf, even after explaining to them my situation and the attempted job scam. Now, they have {$2100.00} of my money suspended, and after visiting a branch employee, they still refuse to act on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY XXXX CREDIT REPORT I HAVE MISSED SPELLED NAMES AND ADDRESSES THAT DON'T BELONG TO ME NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX  XXXX FL XXXX 3.  XXXX  XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX, FL. XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PHONE NUMBERS : 1. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity theft. I have sent the appropriate documentation ; 605B, FTC, LICENSE, and PROOF OF ADDRESS without solution..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, my information was stolen from Equifax.
Product: Checking or savings account

My mom died XXXX XX/XX/XXXX. As executor/trustee, I personally went to Union Bank XXXX XXXX XX/XX/XXXX with trust documents, death certificates, etc and closed my mom/family trust 's three Union Bank accounts, walking out with three cashiers checks. I continued to get statements showing a small balance in one account that evidently was NOT closed at the time. I contacted the bank XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I've been reassured they are " looking into it '' and that the account will be closed. I received another statement XX/XX/XXXX, so sent another email to XXXX XXXX XXXX Union Bank contact ) asking that the account be closed and that a check for {$2.00} be sent to me along with a final statement showing the account is closed. I have had no response. On XXXX XX/XX/XXXX I received yet another statement showing the account remains open with {$2.00}. Union Bank has failed to be responsive to what I think is a simple matter of minimal monetary significance ( maybe that's the problem ). As executor, I can not close out the trust until all financial accounts are closed... I am stuck and appreciate any help you may offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my Experian credit report does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been on a Forbearance Plan which was offered by XXXX XXXX Mortgage numerous times due to XXXX being a Veteran. We elected this option and were guaranteed there would be no reporting of negative information on our credit report. However, the company continues to report negative information. 

I have called the company 3 times to get this resolved. The second time, XXXX I was told the matter would corrected and a letter sent out confirming the negative information would be removed. I never received the letter, however I did receive a statement. I called the company again today. I was told again no negative information should have been reported on the account since XX/XX/2021 because the account was " coded for protection '' from modification to Forbearance again because of it being a VA Loan. The representative even offered another Forbearance since ours is soon to end, again. 

I informed the representative it was imperative to get this issue resolved or I would be reporting to CFPB. This been so frustrating. We would never done the modification or Forbearances had we not been offered or had known our credit was going to be affected negatively. We feel the company needs to better train their Representative 's on how these programs work. We have spoke with several Representatives over the pas months and we continually told our loan has been in 'protected status ''. Due the misinformation provided to us we want our credit report fixed asap. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been disputing 1 account with an incorrect late payment reporting with the bureaus. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX and again on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.
Product: Money transfer, virtual currency, or money service

WE SOLD A VEHICLE ON XX/XX/2021 AND WERE GIVEN A CASHIERS CHECK FOR PAYMENT. WE DEPOSITED THE CHECK ON XXXX TO OUR BANK XXXX XXXX AND WERE GIVEN A DATE OF XX/XX/2021 FOR THOSE FUNDS TO BE RELEASED. THAT DATE CAME AND FUNDS WERE NOT RELEASED. WE IMMEDIATELY CALLED XXXX XXXX TO FIND OUT WHAT HAPPENED AND WERE GIVEN A MESSAGE TO CONTACT THE ISSUER OF THE CHECK. THIS WAS THE MESSAGE THAT WAS GIVEN TO XXXX XXXX. BANK OF AMERICA WAS WHO ISSUED THE CHECK.. THEY TOLD US THE FUNDS WERE RELEASED ON XX/XX/2021 AND THAT EVERYTHING WAS FINE. XXXX XXXX IS SAYING NOTHING OTHER THEN THEY HAVE NOT RELEASED THE FUNDS AND THE ISSUE IS WITH BANK OF AMERICA. THE CHECK WAS FOR {$19000.00} DOLLARS AND WE HAVE YET TO RECIEVE A LOGICAL EXPLAINATION OF WHO HAS THE FUNDS AND WHERE THEY ARE. BOTH BANKS ARE BLAMING EACH OTHER AND NO ONE HAS A DIFINITIVE ANSWER. XXXX XXXX IS SAYING THAT BANK OF AMERICA HAS NOT RELEASED THE FUNDS AND BANK OF AMERICA IS SAYING THAT XXXX XXXX HAS NOT RELEASED THE FUNDS.
Product: Credit reporting or other personal consumer reports

Good afternoon, I've received in XXXX my new assigned SSN I tried to update it on my equifax trough a dispute, ( probably the incorrect way ) but even being a legal document issued by SSA and also provided my XXXX  and NJ ID, they've refused to update and now not even to unlock my report, and every time I try anything like getting a phone line it shows me that I have a freeze, XXXX and XXXX are ok, can pull my reports and scores but not with Equifax. 

My banks and creditors were previously reporting under my itin number and I was trying to update it, and now my report is locked when my creditors are reporting my my new SSN
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XX/XX/XXXX Credit Limit was {$50000.00} and unauthorized Banking Transfer of {$49000.00} was added to account. Homeowner was confused so stopped making payments. On XX/XX/XXXX, homeowner and I called lender and were told the XXXX Department would research and put a hold on foreclosure, XXXX. On XX/XX/XXXX and XX/XX/XXXX, the homeowner was contacted by the lender 's Fraud Department but they would not allow the HUD certified housing counselor to join the call and would only speak to the homeowner. Difficulty reaching the Fraud Department through many transfers and no answers about investigation given. On XX/XX/XXXX, told there was no person handling the account and there was a charge off, but the homeowner 's monthly statements continued to include the extra {$49000.00} plus interest and late fees. Homeowner submitted a Request for Mortgage Assistance and her Point of Contact noted the Fraud investigation and said he would try to get the balance down to {$50000.00}. On XX/XX/XXXX, the Fraud Department stopped communicating with the homeowner. A 3-month trial payment plan was offered including the entire disputed amount.
Product: Checking or savings account

On XX/XX/2019 I Deposited my payroll check of the amount of {$610.00} into my US Bank account. They then put a hold on my payroll check, I have tried to go it to two different branches and called multiple time and they will not help me. They wont ever tell me the correct date for when my pay check will be available. I have been told 4 different days. They have charged me over deft fee because money was taken out of the account and they have informed me that the charges will continue to charge me until money is place into the account however, I don't get paid again for another week so I am unable to place more money into the account. US Bank refuses to help me in anyway and they wont stop the fees or take the hold of so I can pay my bills. My account is just of 47 days old and US bank told me the they place hold on any money coming into accounts for the first 90 days. However, When I opened the account the employee told me that because I have a loan through them that this would not apply to me. I was miss in formed from the start if I would have known this information from the start I wont have open my account with this bank.
Product: Debt collection

I paid this company off because my home was in foreclosure and I could sell it because ISPC put a lien on my property. So in order to sell my home part of the deal was to satisfy the account. Well i was able to sell the home and satisfied all accounts that were under lien status. I have a {$0.00} balance with all my credit reporting agency but its affecting my credit score as it is inaccurately reporting on my account. I paid this off XX/XX/year>. This shouldve been reported no longer than the month after and deleted from my credit reporting accounts. Also to add I didnt know that ISPC is Collection agency and my account was sold and bought by them by the previous company which violates my rights under 15 U.S. Code 1692G. Had I wouldve known that back then I wouldve never paid them and got the whole thing discharged before I sold my home. Its unfortunate how the get over on WE THE PEOPLE.
Product: Credit card

The Credit card in question is with my bank, Wells Fargo whom I have been a member since XXXX I was unaware of being charged the high interest rate and that all purchases had to be paid in full each month. I did not authorize the limit increase on the credit card and every month when I make a payment on time at the end of the month the bank charges interest almost as high as my monthly payments so that I can not get out of debt with them. I feel betrayed by Wells Fargo as a lifelong member ... .to charge me so much interest I will never pay it off, is this why the limit was increased without my authorization. Why is it always the working class, tax paying customers targeted to pay so much. I had great credit and I feel this credit card is the reason for my credit score decreasing. My credit card is not high because of purchases it's high because of the interest rate!!!!!! I want a fair interest rate and to reclassify status of the Credit Card for what it was supposed to be originally, monthly payments on purchases and not pay off balances in full at the end of the month, if I had known I would have never start using Wells Fargo credit card services. I did not receive monthly statements in the mail so this went on without my knowledge for months until I finally checked into why my balance was remaining high and the balance not decreasing ; when I started investigating it myself, I immediately stopped using this credit card and will never use it again. When Wells Fargo along with other banks were in the news nationally for approving unauthorized services for customers without their knowledge my husband and I stood by them. 

I hope the bank will not do any retaliation, but to give me a fair interest rate and reclassify my credit as such I am owed that as a lifelong member. I am considering closing all accounts if this can not be resolved but I will continue to pay my debts as XXXX wants us all to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute on my credit report to all three major credit companys. Waited 90 days didnt hear anything from any of them. So i again contacted all three as a follow up after 90 days and srill havent heard anything. This was 6 months ago.
Product: Debt collection

XXXX XXXX continues to attempt to collect a debt in the amount of {$73.00} that was a result of identity theft. I disputed with them and the credit bureaus. sent both the collection agency and bureaus a formal request and the police report asking that the item be removed from my credit reports. It was deleted but recently readded without notice and caused me to be denied for credit. I have suffered damages because of this and asking you to assist in properly addressing the matter and resolving it immediately. This is a violation of the FDCPA and the FCRA.
Product: Debt collection

On or around XX/XX/XXXX I began services with XXXX XXXX XXXX uner the Internet Access program - $ XXXX/month for internet, no installation fees, activation fees, or monthly equipment fees. From the beginning they billed me at the incorrect rate of nearly $ XXXX/mo plus equipment and other charges. Every month I would call, explain I was under the Internet Access program, they would adjust my bill, and tell me it would take a few billing cycles for the discounted rate to be properly applied to my account and I would just have to call every month to correct it in the interim. I proceeded to follow the instructions until in XX/XX/XXXX or XX/XX/XXXX, the discounts were n't applied correctly. I called about 15 times, talking to managers and supervisors, explaning the situation over and over again, waiting on hold for hours, taking up my entire lunch break day after day. They kepting promising to fix the bill but then nothing would happen. They sent the bill to collections, because I would not pay the incorrect about of close to {$300.00} ( thats about 30 months of service ) and I knew if I paid it they would NEVER refund it or properly credit my account. I formally disputed the bill in collections on XX/XX/XXXX, shortly after I found out. They still submitted this collections account to the credit bureaus and now its coming up on my credit when I am in the process of obtaining a mortgage loan. My loan is through a HUD counseling agenecy where they do n't necessarily look at credit scores ; they look at " credit character '' .Meaning this looks even worse for me because it looks like I just defaulted on a bill. I know without your help they will not remove this from my credit reports, even though it should NEVER have been there to begin with. I have put SO MUCH time and energy into this yet still they have failed to correctly bill me and I am suffering damages because of it.
Product: Credit reporting or other personal consumer reports

These inquiry is not authorized and should be removed from my credit report XXXX XXXX XXXX
Product: Vehicle loan or lease

*************THIS IS NOT A DUPLICATE********* I started a 72 mo loan with TD Auto Finance XX/XX/XXXX and in XX/XX/XXXX, I began asking them to apply any extra payments I made to the principal balance. They kept denying that I even made the requests with them so I filed a complaint so that they'd have it in writing. TD Auto finance still failed to apply any of the extra payments I made to the principal, instead applying it to my next month 's minimum due, so I would wind up paying a lot extra in interest. 


1. The contract language alludes to a 10 day monthly grace period, but I wasn't notified until the end that this was not a grace period, interest still accrues during those days, and is amassed on the back-end with the principal. 

2. The extra payments I made to cover any additional interest were never applied to the principal and interest - despite filing a complaint about it. As a result, more interest accrued that should have 3. I called them on XX/XX/XXXX to  dispute the amount owed and for them to stop all collection efforts until they recalculated my whole loan with the payments applied. I called them 4 times again between that day and today, XX/XX/XXXX for an update, providing a new phone number 2 separate times for them to contact me. They've never called, but say they've called a previous # that I explained was no longer valid. When I call, they announce that it went to the " cashier 's department '', and that I'd be called. 

4. Despite my dispute to stop collection efforts while the loan is being re-calculated, they have charged an out of the ordinarily large late fee & also reported a missed payment to the credit bureaus. 

5. The original contract says I owed {$35000.00} after interest. I had a little less than {$700.00} in late fees which would total : {$35000.00} I have paid to date : {$36000.00}. They claim I still owe approx {$390.00}, which includes an unusually high late fee of {$62.00} ( normal fees are {$24.00} ). In total : they are claiming I have {$840.00} in extra interest. I have, and will continue to dispute this.
Product: Checking or savings account

XX/XX/XXXX I went out of town to XXXX for spring break. Im fairly young and had complications with my trip which cause me to change roommates. I invited 1 person but that person brought 2 other people. I was friends with one person, so I just welcomed my guest. I was banking with Bank of America and I had a checking account. By the end of my trip which was XX/XX/XXXX or XX/XX/XXXX, my banking app, notes, and my XXXX was used in my sleep. I wasnt aware of what happened until my flight back home I wasnt able to get a XXXX not realizing my card was locked. I talked to the bank and there were over {$7000.00} of charges on my card. I told the bank I did not do it and confirmed the last charges I did make. I did not know the man who actually did it I just know a street name, and we come from 2 different states so I wasnt sure how to make a police report or if it would even help. I notified the bank and then I was told the money wasnt even real it was some type of fake money or foreign currency. They took {$3000.00} off of my balance, but said the remaining {$4000.00} is my responsibility to pay. I never used any of the money, it was not even possible on my end since my account was already locked when I tried to get in it. I dont understand how I am still responsible for paying if I already confirmed my last charges as well as the money that was attempted to be transferred through my account was not real. I was sent on several goose chases speaking to different representatives just for them to have me wait 60 days for them to say the same thing. I made Bank of America aware of my living conditions as well as age, yet there was no help. I never even put {$7000.00} in my checking account since I had it because I do not make that much of income.
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax Data Breach and Identity Theft. Many Fraudulent accounts were opened in my name causing harm to my credit and personal life. I have tried to fix this issue with Equifax and Equifax has done nothing. please help me delete all of the illegal accounts in my name listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Subject : Credit Dispute Identity Theft ( Equifax XXXX XXXX ) and FCRA Violations Dear Equifax Dispute Department, I am writing to formally dispute inaccurate and fraudulent items on my credit report resulting from identity theft. Due to the Equifax data breach, my personal information was compromised, and as a result, unauthorized accounts and inquiries have appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute these inaccurate records and demand their immediate removal. 
The following fraudulent items must be investigated and deleted from my credit report : 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  {$4400.00} As per the FCRA ( 15 U.S.C. 1681c-2 ), I am requesting : The immediate blocking of fraudulent information related to identity theft. 
A reinvestigation of the listed accounts and inquiries. 
A written confirmation of the removal of these accounts from my credit file. 
An updated copy of my credit report reflecting these changes. 
Enclosed are copies of the following documents to support my dispute : A copy of my government-issued ID. 
A copy of the police report/FTC Identity Theft Report. 
Please consider this letter a formal request for compliance under the FCRA. If these inaccuracies are not addressed within 30 days, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and take legal action as necessary. 
Sincerely, XXXX XXXX XXXX