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

Chase Bank has been withdrawing checks meant for someone else 's account from my account. This issue has been pointed out to them, and Chase admitted that it was their mistake for withdrawing from the wrong account, but has not refunded my money. This has happened at least two times. Since this has happened several times, I believe that Chase is intentionally doing this to steal my money. 
On XX/XX/2022, an incorrect check # XXXX was withdrawn from my account for {$160000.00}. On XX/XX/2022, another incorrect check # XXXX, bearing the same Pay To name and signature, was withdrawn for {$18000.00}. Upon contacting Chase Bank, they said that the checks were withdrawn from the wrong account and provided a refund on XX/XX/2022 for {$18000.00}. However, to this day, they have not refunded check # XXXX for {$160000.00}. I did not notice the first check had not been refunded as well until XXXX, when I was checking over my old transactions. Chase has continuously refused to help me, stating that fraud cases must be filed within 30 days and it has been over 30 days since the transaction took place. However, this is not a fraud case. This is Chase Bank 's mistake. They have already previously acknowledged that the matter was their fault. Therefore, the 30 days clause should not apply. I have included pictures of the incorrect checks, along with pictures of the correct checks bearing the same check number ( which should not be possible ), that were withdrawn from my account. I have also included a screenshot of the check that was refunded as proof that Chase acknowledged it was their mistake that led to the incorrect withdrawal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed via the US Postal Service the requuired documentation to Equifax. I provided a copy of my drivers license, a copy of my passport, a copy of a cable bill and a copy of my electric bill in an effort for them to send me a new code to unfreeze my Equifax account. All the informnation had the mailing address where I currently reside The information was sent by first class mail to their XXXX, GA post office box. Accounting for the time in transit and the weekend they should have received it by XX/XX/2018. 

According to their website once they receive the information I should receive a new coder within 10 business days. As of XX/XX/2018 I have yet to receive a code from them to unfreeze my account.
Product: Student loan

I dont really have the dates anymore regarding the loan in question, but i due to circumstances surrounding the university i was attending i was told to contact navient to see about getting my loans forgiven as they had told me that i had been a victim of " predatory lending '' by that college. I called Navient to see what they could do and I had been numerous times that it would be 100 % forgiven. Not once did they ever say anything consolidation, refinancing, etc. I started the application process with them in and was told that the process would take a few months to be reviewed and to contact them again for a follow up and that i had to pay a fee for their service. I paid the fee and contacted them later on as instructed and was told again that my loans had been completely forgiven ( not consolidated or anything else ) and that i had nothing more to pay back. I had also been set up so that i can keep track of the loan process to which i would receive emails monthly showing that i no longer had a balance to pay and showed that Navient had taken over the loan. 

Navient told me that i would have to reapply to the program of loan forgiveness every yr so after the first year i reapplied online. Applying online was a little difficult so i contacted them to walk me through it and i was told to apply under an " income driven repayment plan ''. This struck me as odd so i asked why it wasnt applied as forgiveness to which they had told me that " this was just how to apply online and that it would still considered loan forgiveness, you will not have to pay back anything ''. I made sure to ask if there would be anything i had to make payments on and they told me AGAIN that i would not have to pay back anything regarding the loan. After finishing the application and ending the call with navient I went on as normal. Later that yr when the application process finished i received an email stating that i now have a payment to make starting at the beginning of XX/XX/XXXX. After seeing the payment i was now responsible for after being told time and time again that i would have anymore payments to make i contacted navient to see what happened. Im now being told that i did not apply for loan forgiveness and that it would take 15-20 YEARS to completely forgive. When i told them that i wasnt told about any of this they told me that i must not have spoken to any of their representatives which i know is false because ive been using the same contact for them the entire time. They also told me that they have no records of any calls between me and them prior to XX/XX/XXXX. Im now convinced that they will not cover the loans as promised but now the loan is close to being passed on to a collection agency and i keep receiving voicemails stating that if i dont make payments, that i wont be able to apply in the future. 

PLEASE HELP
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 that consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed disputes on three separate occasions, each returning as verified correct. Federal law code 15 US code 1679c allows me to dispute inaccurate data which also pertains to rights as a consumer I am allowed to view HOW they verified such information. Using e-oscar at times proves not to work. By law information supplied to credit agencies must provide accurate and true documents with my signature showing validity of debt. I have asked twice for how these were verified with the question for validation proof that has been left ignored. 
My issue is with the following accounts : 1. XXXX XXXX XXXX reports XXXX in payment history with last payment made XX/XX/XXXX ; XXXX  reports this account had 1 late in XX/XX/XXXX, with last payment made on XX/XX/XXXX ; while experian reports 7 lates and last payment in XX/XX/XXXX. 
2. XXXX XXXX XXXX reports XXXX in payment history with last payment XX/XX/XXXX ; XXXX reports 100 % on time with last payment XX/XX/XXXX and experian reports 6 lates with last payment XX/XX/XXXX. 
3. XXXX XXXX  XXXX XXXX reports XX/XX/XXXX as last payment with no lates ; XXXX  shows XXXX lates but only one 120 late ( XXXX ) with last payment on XX/XX/XXXX while experian reports c/o every month last two years with no 1st delinquency date.

4. XXXX XXXX XXXX reports no lates with last payment XX/XX/XXXX, XXXX  shows 4 lates despite also showing XXXX with last payment XX/XX/XXXX and experian shows XXXX CO dating back to XX/XX/XXXX. 

These XXXX accounts quite obviously were NOT investigated as requested being each of the three bureaus report different information. Due to this I have the rights to have all 4 immediately removed from my reports. 

Attached is proof of what I am claiming. Please note despite these showing experian as address too, each company had their own same letter addressed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a Consumer Credit Transaction with DISCOVER BANK on XX/XX/XXXX in which I used my social security card, commonly known as a credit card pursuant to 15 USC 1602 ( l ) which is tied to an open end credit plan pursuant to 15 USC 1602 ( j ), according to 15 USC 1666b, creditors can not mark late payments on open end consumer credit plans. Further more according to 15 USC 1681b ( a ) ( 2 ) I never give DISCOVER BANK any written permission to furnish any information on my report. Further more pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) late payments and utilization which are defined as transaction or experiences are not to be reported on a consumer report. DISCOVER BANK is illegally furnishing information which is causing me great stress, and financial harm. I sent out a dispute letter on XX/XX/XXXX, in which I gave them 14 days to respond upon receipt of the letter, which they received on XX/XX/XXXX. It has been 14 says and they have failed to make any changed to my consumer report.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Citizens Bank concerning an issue with a promotional bonus for opening a new account. The promotion promised a {$300.00} bonus for receiving a direct deposit of {$500.00} or more within a specified timeframe. I fulfilled this requirement, but due to an issue beyond my control, the bonus has not been credited to my account. 

On XX/XX/XXXX, my employer remitted a direct deposit of over {$500.00} to my new Citizens Bank account. However, due to an unexplained delay on the bank 's part, the deposit was not posted until XX/XX/XXXX. This delay caused the deposit to fall outside the promotional timeframe, which was entirely beyond my control. 

I have contacted Citizens Bank multiple times to explain the situation and request the promised bonus, but my efforts have not been successful. I believe I am entitled to the {$300.00} bonus as I met the promotion 's requirements, and the delay was caused by the bank 's processing issues. 

Desired Resolution : Immediate crediting of the {$300.00} bonus to my account, as per the terms and conditions of the promotional offer, recognizing that the delay in posting the deposit was not due to any action on my part. 
A clear explanation and acknowledgment from Citizens Bank that the delay in processing the direct deposit was their error and not mine. 
Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue and ensuring that Citizens Bank honors its promotional commitments. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was reviewing my account and noticed some charges coming out of the account. I tried to dispute them and saw it wouldn't allow me to pull those up. I did some XXXX  and see that the funds were taken to be put into another account that my name was associated with for my ex-husband that I was informed I was removed off of many months ago. Due to this I am now out almost XXXX dollars and am absolutely disgusted that nothing was said to me before this action was taken. How very deceptive and sneaky of a company to do something like this to a customer of over 10 years.
Product: Student loan

I graduated from XXXX XXXX in XXXX, 2014. In XXXX, 2014, I received a letter from PEAKS Private Student Loans stating that I was nearing a default status on this loan. I was completely unaware that I had taken out this loan, as this was the first correspondence I had received from this agency. When I began attending XXXX XXXX, I was coerced into taking this loan because if I had n't, I was informed I would have to either pay out of pocket or drop out of school. Additionally, I was not informed about the terms and conditions of this loan, the high interest rate, nor the fact that this loan can not be consolidated into my Federal Loans. 
I called the agency, and they stated that they only contacted lendee 's via e-mail. I began the dispute process with a credit repair agency, and PEAKS refused to accept the dispute. My credit score dropped, which prompted me to dig further into this agency. It was brought to my attention that there are lawsuits being processed with XXXX XXXX. I again contacted PEAKS student loans so we could discuss possible repayment options, and they informed me that I am XXXX days delinquent, and I have not received notice to that effect. This lender will not allow me to consolidate this loan with my Federal Loans. They are also requesting that I pay a monthly payment that is more than 400 % of what my Federal monthly payment is. I am a single mother who is simply trying to make a better life for my daughter, and each paycheck is carefully accounted for. I just want this loan to be more manageable, and I wish this agency would have contacted me prior to my loans reaching default.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX  XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$640.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022
Product: Student loan

Submitted in XX/XX/XXXX./XX/XX/XXXX my annual certification for my Income-Based Repayment plan. I was informed I could switch to the Revised Pay As You Earn plan, which I completed successfully. In order to process it with XXXX XXXX, they asked me to pay a full payment ( even though I was already approved for a lower payment amount ) as a " forbearance payment '' and it would be switched in XX/XX/XXXX. 

I was properly placed into the Revised Pay As You Earn plan and the new payment amount was also properly set for my direct debit plan. I called XXXX about a difference in my next bill of around XXXX {$160.00} ( difference between my new monthly bill and my former payment plan ) and was told it was an error in their billing software/department and would be corrected by the next bill. The next 2 bills continue to be in error still. 

I 've now called them three time about this issue, around XX/XX/XXXX/XX/XX/XXXX as aforementioned, in early XX/XX/XXXX and now on XX/XX/XXXX. All three times they say it is their company 's issue, they will put in a support ticket to have it fixed and have it expedited, and that it would be fixed in a week or two. They have failed to complete this promise at least twice. 

During my call on XX/XX/XXXX between XXXX - XXXX, I spoke with XXXX ( ID # XXXX ) and supervisor Mark ( ID # XXXX ) who stated that Mark was able to make the correction in the system after 3 minutes, while he put me on hold, and that the correction would be visible to me via my account online in 24-48 hours. He also promised that the fake delinquency would not be reported to any credit agencies until after 90 days. 

My complaint involves two major elements : 1 ) correction to their billing software, policies and procedures, to ensure that other customers do not receive false billing statements and threatening letters due to their mistakes, and 2 ) that the required " forbearance '' payment be investigated for its legality. If it is a normal occurrence, then this information should be shared widely and very often to customers who select any payment plan and again before they switch plans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax and XXXX over the past 3 years via online to remove outdated information on my profile to no avail. Some of these items are over 10-12 years old and should have been removed at year 7. Most of the items have reached the statute barred limitations as well for my state. Additionally, there are some entries on my credit that do not belong to me and should be a case of identity theft and removed as well. I am hoping you can assist with this issue with the credit reporting agencies.
Product: Credit card

The only way to dispute a charge with FNBO is by phone. FNBO refuses to allow any other form of submitting a dispute, yet it puts you on hold and you can never get to a live person.
Product: Credit card or prepaid card

I recently contacted Synchrony bank on XX/XX/2020, to discuss billing payments. I agreed by phone with a billing rep to make a {$100.00} payment on the XXXX of each month. I requested the billing rep send me a letter outlining the terms and agreements of the payment plan which I never received. On XX/XX/2020, the credit card company debited an unauthorized payment of {$100.00} from my bank account. On XX/XX/2020, another {$100.00} payment was debited from my bank account. I called the credited card company on XX/XX/2020, to discuss why an unauthorized payment was debited from my account. I was transferred 4 times without resolution.
Product: Debt collection

On XX/XX/XXXX, I lost my job after working for the smae non for profit as a XXXX XXXX XXXX/XXXX. XXXX  for almost 20 years. Shortly after losing my job, and trying to seek a new one, I began the process of notifying in writing and by telepohne, my Creditors ( Discover, XXXX XXXX, XXXX, XXXX, XXXX XXXX ) that I had lost my job and was seeking to re organize my debt to pay it a different way. In XXXX, XXXX I had engaged XXXX XXXX XXXX to assist me in seeking debty negotiation, to settle all acccounts. XXXX XXXX  Neglected to contact my creditors and instead, they claimed to " negotiate '' settlemtns after my credit cards had gone into default and were sent to collections companies which also ruined my credit, something I wanted to avert. 
Presenlty, Discover Card account ending in XXXX was sold to XXXX XXXX ( Arizona ) a debt collection company that uses threats and intimidation tactics, they have failed to negotiate a resonable settlement, and their numbers are wrong! XXXX XXXX, and XXXX ( Discover Card sold my alleged debt to XXXX ) will not speak with me although I have written to them ( I have proof ), and telephoned them numerous times in an attmept to settle my obligation to them, but they are playing hard ball. 
I did settle on my own, two accounts with XXXX XXXX, XXXX ( the gave me very reasonable terms, and were nice about settling with me. ), XXXX XXXX, and XXXX credit card ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or  Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit card

Capital One has charged me late fees of around {$35.00}. This is over the legal limit of {$8.00}. 

They changed me these as recently as XXXX of XXXX, which is well beyond when the new {$8.00} law was implemented.