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

On XX/XX/XXXX I opened a Checking and Savings account with Citizens Bank. 
The Checking account had deposits every 2 weeks and the Savings, with about {$15000.00} in the account was, left to gather interest. 
On XX/XX/XXXX, I tried to access funds in the savings account and was unable. That day, I drove to my local branch and they informed me that the Savings account had been " Frozen ''. The teller informed me that the local branch was unable to access or unfreeze the account and it must be done by Corporate. 
On XX/XX/XXXX -after a 1hr 2min call with Citizens Customer Service they informed me that the Savings account had be frozen due to " inactivity '' and that they would unfreeze the account. The account would be unfrozen at midnight on XX/XX/XXXX. 
The next day i went online only to discover i was unable to transfer money out of the account. 
On XX/XX/XXXX, around XXXX, I drove to the local Citizens Bank branch to access my money. The teller informed me that the Savings account was " Frozen '' and they were unable to access or even close the account. 
On XX/XX/XXXX -at XXXX, while still at the bank, I called Citizens Customer Service . After being on for 1hr 2minutes, the Customer Service Representative was unable to help me and hung up ( or i was disconnected ). Either way, very frustrating. 
On XX/XX/XXXX - at XXXX, I contacted Customer Service XXXX around XXXX, they informed me that they were able to Unfreeze the account, but that it would re-freeze at midnight that night! They informed me that a local branch could access my funds. 
On XX/XX/XXXX - around XXXX, while still on the phone with Customer Service XXXX i drove to a branch that was open until XXXX. The local branch confirmed that the account was still Frozen. The Customer Service agent on the phone informed me she must have been mistaken that the account was unfrozen and would need to transfer me to a supervisor. 
The Supervisor informed me that she did not know why the account was frozen! " Perhaps its just an error? '' she suggested, but that it would have to be unfrozen by someone in " the back-office ''. After a long time on hold, she informed me that they could not reach anyone in the back-office and that Monday someone should be able to help. 
The supervisor refused to send anything in writing or even provide an email address where i could write for help. The only thing she was willing to provide was there Legal notification " Citizens - Attn : Office of the Chairman '' One Citizens Bank Way, XXXX, RI XXXX As of today, XX/XX/XXXX, i still can not access my {$15000.00} and have no options except wait and hope that " someone in the back office '' is able to unfreeze my account!
Product: Bank account or service

i have over {$400.00} dlrs in overdraft fees. Prior to this problem i had checked my account and had a small balance of {$17.00} dlrs ( about ) and that was on a Friday, about tues of the following week i checked my account and was already over {$300.00} dlrs overdrawn. I called the bank explain to them that my account was ok on Friday and a few days later was overdrawn more then {$400.00} dlrs and i had not used my debit card since the {$17.00} balance, i was told that my balance was not accurate because they do not post every transaction therefore it causes the overdrafts and that i had no choice but to pay.
Product: Vehicle loan or lease

Regarding a loan for a XXXX XXXX XXXX XXXX financed through : Kia Finance America ( PAYMENT address ) XXXX XXXX XXXX XXXX, TX XXXX kiafinance.com OR Kia Finance America XXXX Customer Service XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX The amount financed was {$40000.00} at 6.49 % for 60 months, with the first payment due XX/XX/XXXX As of XX/XX/XXXX we have made XXXX on-time, and over-amount payments totaling {$13000.00} The regularly scheduled monthly payment amount is {$790.00}. 
XXXX payments of that would be : {$11000.00} Based off of standard amortization tables, our balance after 15 monthly payments should be approximately {$31000.00}, but instead is over {$37000.00} And we have paid {$1000.00} MORE towards the principal than even required. 

There seems to be discrepancies between the website payment tracking and the printed bills. There also seems to be mathematical errors in the processing of the payments, with our balance increasing after payments, rather than decreasing. 

Since initiating this loan, we have had several problems. Payments were missing or late on the printed statement. We even received mailed Past Due notices, despite the payments being accurately recorded on their website. 

Called in XX/XX/XXXX, about missing/late payments. According to mailed statements, payments were missing despite them showing up on-line in payment history. ( We had received a Past Due notice ) Names on the online account were incorrect. ( My name on the statement was replaced with my wifes name, who is not the vehicle owner or even listed on the account. ) Called Customer Service on XX/XX/XXXX regarding continued inaccuracies in the balance calculations and recording of payments. They were supposed to investigate and call back within 5 days. Never heard anything. 

Called again on XX/XX/XXXX. Requested a forensic review of account balance and account structure. Was supposed to hear back within XXXX hrs. Never heard back. 

Called again on XX/XX/XXXX. Talked with a supervisor, Was supposed to hear back after an internal review in XXXX business days. Never heard back. 

Called on XX/XX/XXXX to ask about progress. Was told they were " still processing '' a review. Never heard back. 

Called again on XX/XX/XXXX, referred to IT, then to Service Desk. Filed a Formal Complaint and was supposed to hear back within one week. Never heard back. 

I am filing a complaint that this company has incorrectly calculated the payments and balance on my account. I have documentation that payments were made on-time, and above the required amount, but my principal balance keeps going up. There is some kind of accounting error on my account and I want it fixed. I am requesting a full forensic review of my account and a correction to my balance.
Product: Vehicle loan or lease

We have setup a Auto payment plan over three times now ( in person and over mail ). We have continued to get billed late fees and charges at which we can not control at this point. We have been billed over {$300.00} extra dollars in late fees after we have tried to fix the problem for two months now. FNB had not been helpful and continued to tell us to just fill out a form and mail it in ( which we have done over three times now ). We now owe more money on a car loan than we started. We thought we could trust in the the bank with the loan set up for us but have been constantly let down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was banking with Bank of America when I lost my card and somebody else used it, I tried to open a checking account with XXXX XXXX and I was denied because of a fraud report. When I lost my card days later I got I knew one then I informed Bank of America what happened and I was told I made a claim and I will not have to pay anything. Now I need a checking account for direct deposit and I cant open any accounts. A check was deposited in my account for XXXX dollars but it wasnt accepted, then another for XXXX dollars Im 2017 and I was told nobody got any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX  XXXX XX/XX/XXXX {$540.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX SERVICE XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I was informed from XXXX that I have been in a data breach and I have disputed items that keep popping back on my credit report my password and email have been found on the dark web. The breach was with XXXX XXXX  and Equifax.com my credit report needs to have the items that are reported identity theft to ever show on my credit report again I have 2 police reports
Product: Credit reporting or other personal consumer reports

I want the following address 's removed from my account : 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 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 I either no longer live there ( greater than 2 years or have never lived there )
Product: Credit reporting or other personal consumer reports

On XXXX, I reviewed my credit report from TransUnion and noticed incorrect personal information, including my name, phone number, and address. These details were not updated accurately despite my prior communications. 

I have not changed my name, phone number, or address recently, and I have provided the correct information to TransUnion previously. The incorrect entries are causing confusion and potentially affecting my credit profile. 

Actions Taken : I provided supporting documents to verify my identity and correct information, but the errors remain unresolved. 

I am requesting that TransUnion update my credit report with the correct name, phone number, and address. 

Thank you for your attention to this matter.
Product: Checking or savings account

We have had a business account open with TD Bank since XXXX of XXXX. Being small business owners for the moment we have pretty much only used this account for deposits from our customers and since we don't do any business in winter never used it in that season. When we opened the account TD Bank linked our business account to my husband 's personal account to avoid the maintenance charges of {$25.00} a month. My husband didn't pay any attention to the fact that TD Bank started charging him the fee in XX/XX/2022, resulting in {$300.00} of our money they had taken, which was up until I took charge of the account XX/XX/XXXX and noticed all the charges throughout that year up to current. Once I went through and noticed it I started calling to rectify the situation. I spoke to tellers XXXX  and XXXX about it, they both informed me that due to an update in TD Banks system my husband 's account and many others became unlinked. XXXX XXXX is aware of this mistake also and refuses to make the situation right by refunding us our money. Moreover there was enough in the account a few months after it became unlinked to avoid the maintenance fee and TD continued to keep on charging our account. I checked today and we are still owed another {$150.00} as I received another {$25.00} credit yesterday XX/XX/XXXX. I spoke with a customer service rep on XX/XX/XXXX who informed me that since the fault is on their end they are obligated to give the refund and the branch manager would have to do so as he was only authorized to give {$50.00}. XXXX called me back XX/XX/XXXX at last to say it was my fault for not paying attention, she did us favor and then again today XX/XX/XXXX to say she did us a favor refunding us an extra month and that it was our fault pay attention next time to our statements. We didn't authorize them to charge our account the maintenance fee nor did we agree to take responsibility for an error in their system resulting in us losing that money. Any help to recover what we are owed by them would be appreciated. Thank you.
Product: Vehicle loan or lease

My car was totaled and TD Bank incorrectly requested the entire loan amount instead of the amount they were owed. 

They have been unhelpful by requesting verbal and written permission to send me the approximately {$7000.00} that is owed to me. 

XXXX reached out and sent the information on XX/XX/XXXX and TD Bank confirmed receipt and said the check was on the way. On Friday, XX/XX/XXXX I called for an update and they said they had no confirmation from XXXX about any approval. 

I do not know what to do. They have been nice on the phone but condescending when pressured for an answer. 

My TD auto account number is XXXX and they have erased all of my account information from the website.
Product: Debt collection

Communications through the mail and phone calls from XXXX XXXX XXXX for Paypal Credit of  {$730.00} not owed by me. Contacted paypal who confirm no such debt. 

Latest letter datedXX/XX/2017
Product: Debt collection

They call repeatedly, do n't leave a message. Just in the last week they have called 6 times, sometimes at 3 in the afternoon and sometimes at 10 XXXX. They also call on weekends at odd late or super early times.
Product: Credit reporting or other personal consumer reports

Received notification from all three bureaus that my car payment was 30 days late for XX/XX/2023 when we are currently in XXXX and the payment is not due until XXXX XXXX. They have also reported me 30 days late for XXXX even though they received the payment on the XXXX day and not XXXX in which they continue to break the Credit reporting law that 30 days not XXXX. 

Many customers are having this issue with this company as they are violating. They are reporting my account 30-59 days late and it is incorrect and both XXXX XXXX AND EXPERIAN, XXXX, XXXX IS REFUSING TO CORRECT THE ISSUE. 

DUE TO THE NATURAL DISASTER IN FLORIDA AND MY BUSINESS CLOSED I CALLED XXXX IN WHCIH A REP STATES I COULD NOT GET A PAYMENT EXTENSION AND I HAVE UNTIL THE XXXX OF THE MONTH TO PAY AND NOT GO ON MY CREDIT AND I PAID THE XXXX. 

PLEASE READ ALL THE COMPLAINTS AS THEY ARE DOING THIS TO THOUSANDS OF PEOPLE AND THEY ARE WRITING THAT THEY REPORT 29 DAYS WHICH IS ILLEGAL.
Product: Payday loan

I have had a loan with Rise Credit for over a year now, they meet every criteria of being a predatory lender. Each time I pay it off I am forced to take out another because the interest and fees of the last loan left me unable to pay my normal expenses. Out of a $ XXXX monthly payment only about {$50.00} goes to principal, I end up paying over triple the amount I originally received by the time the loan is paid off. Since this is an internet company I do n't think they are regulated and I believe they break Federal and Ohio Consumer Lending laws. I selected that I initiated contact but actually I received emails and mailers from them before ever taking out a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I leased a vehicle from XXXX XXXX XXXXXXXX on XXXX XXXX, the lease was done through chase bank. The car was then stolen recked and totaled out, I was dealing with the police, the bank and the insurance company. I was told by my insurance company that check was issued and sent to the bank and I dont need to make payments to the bank. I later found out there was a dispute between the bank and the insurance company and the bank sent my account to collections so they can take possession of the vehicle which delayed the insurance payment and led to my account going into collections. I was never called or informed about my account getting ready to go into collections. They claim they didnt have my cell number which I find hard to believe because the dealership I purchased from still calls me on that number. I even called in to make the last due payments but they didnt let me make those payments because of the status of my account. I would like CFPB to protect me as a consumer and get this taken off of my credit history. The account was paid for the bank received there money I just need the fact that this account went into collections for less than 2 months 3 years ago taken of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are charging me for equipment that own, all the equipment is locked to them, items dropped off at there facility and they've written off the account In accordance with the Fair Credit Reporting Act XXXX  ( XXXX  ( Original Creditor : XXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/XXXX I began disputing incorrect information contained in my personal consumer credit report and after several investigations the errors still exist on my credit report. There are numerous errors on my credit report regarding old accounts that have had multiple dates changed and re-aged in order for the accounts to maintain on my consumer credit report. 

Although many accounts have been re-aged to stay on my credit reports an account that was reported by XXXX XXXX/XXXX that was opened on XXXX XXXX and officially closed on XX/XX/XXXX has not been re-aged or has any of the dates changed but the account remains on my credit report being reported by Equifax even though the account was closed over 11 years ago. 

Several accounts have had multiple payment dates and closed dates changed in order for the accounts to stay on my credit report. The accounts that have been re-aged to continue to exist on my consumer credit reports include the account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed on XX/XX/XXXX but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XXXX XXXX. The account being reported by XXXX/ XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. 

I believe these accounts have been adversely affecting my credit for over 11 years and my attempts to resolve the issues by filing multiple disputes have not corrected the numerous errors that continue to exist in my consumer credit reports.
Product: Debt collection

Repeated illegal calls from a spoofed phone number. I finally answered and they refuse to say who they are or why they are calling unless i give them my name, date of birth, address & social. When i told them i would not give them that they got verbally threatening, cursing and screaming saying they would send an armed agent to arrest me at work! I owe NO past debts and im on the DNC list. Clearly a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I contacted Comenity Bank in regards to an account I opened. Currently on my XXXX credit report is showing my XXXX XXXX brand credit card account through Comenity Bank as active. I contacted the Comenity 2 months ago via telephone in regards to removing the account from my credit report in which I was told to write to their disputes department. I sent a letter via US mail 2 months ago and they have not responded to my request. I contacted Comenity bank again on XXXX XXXX, 2017 in regards to this and they told me again I could only send a letter via mail to dispute and provide the same mailing address. I explained to them I already did this step and they did not provide any further resolution. Comenity Bank is not removing this account which is incorrectly reported from my credit report is negatively impacting me. I am requesting the CFPB please assist me in resolving this as I no longer have any options and Comenity Bank is hurting my credit report. It appears Comenity Bank does not want to help consumers and is refusing to respond.
Product: Debt collection

In XX/XX/XXXX, I moved out of an apartment. Upon moving out I contacted XXXX to have the cable disconnected prior to my departure. It was also at that time I requested, received, and paid for my final bill. Two months later I received a collection letter from SUNRISE FAMILY OF COMPANIES for {$170.00} bill to XXXX. I disputed this with the 3 credit agencies and it was taken off. In or about XX/XX/XXXX, I recieved another collections from the same company with the same bill from XXXX. I put another dispute in. Each time this was reported my scores dropped about 20-30 points. XX/XX/XXXX and I just recieved yet another collection letter for the same {$170.00} from XXXX. This time the collection company was SOUTHWEST CREDIT Systems and my score dropped, no plummeted once again. This behavior seems illegal, and it as to the point of harassing. This day and age a difference of 20-30 points in your credit score can cost me tens of thousands of dollars in interest. I disputed these claims once again and was advised to make a complaint with you agency. Please help me put this to rest once and for all. I thank you in advance for any assistance you could provide.
Product: Credit card or prepaid card

My prepaid XXXX card was locked due to suspicious activity. I have tried to unlock the card by contacting Key Bank and the number provided on the card. From XX/XX/XXXX to XX/XX/XXXX, I have called that phone number every day for 4 hours at a time and no representative answers the phone. I have tried to contact Key Bank directly and visited a branch but was told the phone number is the only option to unlock the card. My funds are unable to be moved and I am unable to use the card at all with no support coming from the bank to resolve the issue.