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

Friday, XX/XX/year>, I attempted to make a partial early withdraw of a XXXX of XXXX. 
The penalty of early withdraw for this certificate is all interest earned on the amount withdrawn. 
They tried to charge me 180 Days Interest instead of the actual interest earned for 94 days. The overcharge was several XXXX dollars. XXXX, a teller at the XXXX XXXX branch continuously falsely denied that I was being overcharged. Being exhausted by XXXX incompetence and denial of the obvious, I eventually left without evidence. 
Next, on XX/XX/year>, I made a much smaller {$8000.00} early withdraw over the phone to obtain the attached evidence. 
Immediately after, I called again to demand an explanation and correction of the fraudulent penalty. After an incredible run-around I spoke with XXXX, XXXX Certificates XXXX XXXX. XXXX assured me they will solve the problem and respond to me in XXXX hours. 
Tuesday, XX/XX/year> around XXXX, XXXX XXXX to assure me the company determined there is no error and that he personally computed the interest and {$170.00} is correct. The correct amount is around {$90.00}.
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. XXXX 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 XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

I have been attempting to remove mXXXX XXXX from my mortgage via a mortgage assumption since XXXX. After an initial couple rounds of additional information requests ( despite these not being things specifically requested in the initial application ), Chase began requesting updated financial statements in the form of most recent pay stubs and statements from the savings account from which I would be paying out my XXXX once the mortgage was fully assumed. The first of these requests was made approximately XXXX weeks after I had last provided updated documents and was answered within XXXX hours. After this request, Chase failed to process the documents for 25 days and, after the 25 days, told me that they needed a more recent statement from my savings account ( a statement that hadn't existed until 16 days after they initially received my documents ). When I pointed out that this exact same scenario will repeat itself if they fail to process the documents for 25 days again, they offered no plans to expedite the processing and seemed to imply that they will likely take the full XXXX days again, causing this scenario to repeat. At this point, I have spent the last 5 months doing everything I possibly could and doing it as soon as possible to try to get this application processed, but Chase has made it impossible for me to successfully process this application. They have offered no recourse while acknowledging that their current process is doomed to fail and I am at a loss for what to do next.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 US Code 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This personal information is incorrect, please remove it from my credit report immediately. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately, please remove from my credit report immediately. 
Inquires Please remove the following as they were not requested or authorized : 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 card

Synchrony Bank sent me a letter saying they decided to pull my credit report randomly and closed my account with them without my authorization. My account was in good standing with them and was paid off in full a few months ago. I spoke to a supervisor over the phone and she was very rude and stated that they have the right to pull my credit report at any time, how ever many times they want to and they can close my account even if my account it paid off and I have a good standing with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit for a vehicle loan XX/XX/2020 at a local bank where I done business before.The lender said my Equifax credit inquiry said my information was identified as potentially fraudulent or misused, there for consumer report was not available.I have made 20 or more attempts the correct the problem through Equifax each time they tell me to send information to identify me and all I have gotten is a card in the mail that says I have not applied for credit recently or I have not actively used my credit in the past 10 years or I have not been issued a social security number all of which are not true.Equifax will not offer any support to help me correct this problem.I have no plan or any way to fix this problem with out knowing what to do.I have faxed information to them 3 different times that they said would solve this problem but each time they say no fax was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

These three companies lack knowledge to how correct or report data. The issue of correcting my mortgage balance was never update or investigated. How can they lie that tis was done when I am still seeing the big error still on my reports. 

It is not in the $ XXXX as they report so their just do not know what their doing or lazy and think consumers should take their foolishness. 

Currently as of today my account with XXXX XXXX is the balance below. 
MORTGAGE ... XXXX {$100000.00} Outstanding principal balance This is what is currently shown on XXXX. Nothing was done. 
Report Number : XXXX Date Generated : XX/XX/2021 Account NameXXXX XXXXXXXX XXXX XXXX  Account XXXX Account TypeMortgage Balance {$100000.00} Balance XXXX
Product: Credit reporting or other personal consumer reports

Experian is the only credit bureau that continues to violate my rights. I DO NOT have any late payments, CLOSED student loans accounts or other erroneous information on my report. As a New York resident, Experian has never showed me proof of late payments or debt. 15 U.S Code 1679c never removed the debt and has the wrong address for my residence. 

How can a fraudulent account be verified? 

No proof and no recourse for their actions.
Product: Debt collection

They keep changing the amount due several times per month. Ive made multiple payments in one month, but none seem to go against the balance. Still the bills remain doubled ( even with consistent payments and early payments against the account ). Ive tried calling and chatting with customer service to no avail. The bill is {$18.00} per month and not a penny more or less.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for a loan to get solar installed on my home. I have all my bureaus frozen after the Equifax issue. I have been trying to access Equifax to unfreeze my credit so the loan company can pull my credit. I have been unsuccessful logging in to their system or requesting a password reset and each time I call they tell me that their systems are updating and to call back in a half hour. This has been going on since the morning if Friday XXXX. 

Every time I call they say it should be cleared up in XXXX minutes to an hour. It has been over XXXX hours and I need to get the process moving to install my solar system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX and XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint on my own behalf there is no third party involved. On XX/XX/2023 - I submitted a packet to Transunion regarding 4 fraudulent accounts listed on my credit report, asking to dispute are remove these fraudulent accounts from my report. This packet arrived on XX/XX/2023. The packet I sent to Transunion is attached in the complaint. To this day, XX/XX/2023, these accounts resulting from fraud and identity theft still lie on my credit report. The law states that a consumer reporting agency is required to block any of the information on the report and/or file of the consumer if the CONSUMER identitfied the information is a result of an alleged identity theft within 4 BUSINESS DAYS after the receipt of the identity theft report and required accompanied documents. Transunion failed to block such information resulting from identity theft - within the four business days of receiving my identity theft report. 
On XX/XX/2023 Transunion notified me of the dispute results, from the initiated date of XX/XX/2023 to be complete. It appeared - three of the four fraudulent accounts came back verified in the dispute results. The results shared the company that reported the information has certified to Transunion that the information is accurate. However, there was no affidavit sworn under oath before a notary public or similarly authorized person - as defined as true verification by Federal Law. I never once received from Transunion ANY form or sworn statement provided under oath nor any affidavit of truth with valid notary signature - therefor no verification has been made per U.S. Federal Law. Unfortunately, these falsely claimed verifications have illegally excused Transunion to continue to furnish fraudulent information on my credit report, lowering my credit score, and drastically TARNISHING my ability to operate freely in commerce. This has kept me from making purchases and necessary moves with my credit, and is negatively impacting my quality of life in commerce.
Product: Debt collection

originally in XXXX I received a call from capital one indicating I had a balance over XXXX $ on my account. I went through my accounts with capital one and informed them that I did not own that account and that it is a fraudulent claim. there calls are recorded for quality assurance and they should be able to pull up the recorded calls. I advised them I had no knowledge of the account. the representative said she will investigate and call back. few months later my employer received a wage garnishment issued by the courts regarding the account I was called about. my employer advised me that she was to honor the court report to fulfill the court order. I filled out the financial statement presented to my employer and weekly there were sums of weekly XXXX $ collected in addition XXXX $ weekly for debt assessment fee. Now they are claiming that I still owe {$2100.00} and they are claiming that they will continue my wage garnishment until another XXXX weeks. based on the statements provided the attorney have paid themselves and later started paying against the judgement from XXXX XXXX of XXXX I have been paying out of my paycheck and still the attorneys are claiming that I still owe them money on an account I had never used nor had any knowledge about. I am requesting that capital one send me the original agreement with my signature indicating this is my debt. They are harassing me through my employer with continuous wage garnishment.
Product: Mortgage

XXXX XXXX XXXX # XXXX disclosed the details and status of the loan offer hed given me on a property I was in the process of purchasing. After I switched to a different lender, he reached out to both my buyers agent and the sellers agent to inform them that Id terminated our lending agreement. I believe he did this with malicious intent. Per the Gramm-Leach-Bliley Act, he had no right to state anything regarding the status of our relationship.
Product: Student loan

As student loan repayment approaches, I sent in my request for to be put on the SAVE plan. Under the SAVE plan, with my current income, I should have $ 0 monthly payments. A month later, I get two letters one my loan servicer, Mohela. One is dated XX/XX/XXXX and one is dated XX/XX/XXXX but both showed up on XX/XX/XXXX. The first one claims my upcoming payment is {$0.00} but the second one says {$99.00}. I called Mohela and spoke to a customer service rep. I was told that they had no idea why this mix up happened and they would see if they could fix it by the time payments resume. I was told that they tried to " delete '' the {$99.00} request ( which I never made ) and that it would take 2-3 weeks to show up in my account. 

A few months ago, they also " lost '' my PSLF annual certification.
Product: Money transfer, virtual currency, or money service

An e-transfer deposit was made of {$1000.00} XXXX on XX/XX/2021 from a business bank account. Deposit was then rejected, understandably, as a result of name of my bank account not matching name of my crypto.com account. Email was received XX/XX/XXXX, notifying me that that they require additional information so they could refund the money. Information was provided XX/XX/XXXX. XX/XX/XXXX, I followed up as still had not received the money back, nor any update. That day, I received an e-transfer email from Fortis, name of the crypto.com bank account I assume, for {$1000.00} to my business accounts email. Upon trying to deposit it by answering security question that was provided, my answer was incorrect to many times and now it is no longer available for deposit. No answer for the question was sent to me, I was left to guess the answer. I reached out immediately to XXXX at crypto.com immediately to just cancel and resend e-transfer, and this time provide answer to security question. XX/XX/XXXX a response came from XXXX at crypto.com asking for additional information, 'a selfie with today 's date, your name and " Crypto.com '' written down on a piece of paper in order to authenticate you as the account holder before provide any account information, which I did very same day, XX/XX/XXXX. Few more emails were sent over next few days following up with this, with the same response, 'it should be checked with the 'relevant team ', the last one now coming as of XX/XX/XXXX, from XXXX at crypto.com. Almost 3 weeks to resolve this matter, and no idea on when will receive my money back. This is considering stealing in any country. This complaint is in reference to Ticket # XXXX.
Product: Bank account or service

Since a previous check from a US Bank customer had bounced when I submitted it to my bank ( XXXX XXXX, I went to US Bank to cash a new check from this person, to ensure that the funds were there, and prevent any possible fee by my bank if I cashed it there. I presented my government issued identification, but since I do not have a US Bank account, I was told that I would be charged {$7.00} to cash the check. I declined to pay the fee, and asked whether appropriate funds were in the US Bank account to cover the check. I then retrieved the check and deposited it into my XXXX bank account. I believe US Bank should not be able to charge someone for honoring a check drawn on one of their checking accounts, so I am submitting this complaint. I think CFPB should look into this practice, by US Bank and any other bank that offers checking account services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with FOX COLLECTION CENTER with a balance of {$1200.00} and another account with FOX COLLECTION CENTER with a balance of XXXX and an original creditor of XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 and prior date ( about 10 days ago ) received call from Synchrony Bank ( tele. number : XXXX ) stating that my 'account ' is deliquent!! then they asked me for the last 4 of my SS #!! I said NO, i will not give u that information. Then they hung up. also, they stated that 'this call will be recorded for security reasons. '' what?? Today, I called the number back and spoke with someone asking them what they did ... he said they are one of the biggest banks in the world and they handle deliquent accounts ... i said i have a credit score of XXXX and have NEVER had a problem..and that they have no right to ask for the last 4 of a ss #. he said they do. I told him I was going to report them and that they had no business calling me and to not call my number again. To get to talk to the rep.i spoke w/today I had to enter my last 4 ... I just hit XXXX and got someone. because it asks for your last 4. I believe they are a SCAM because I have NEVER EVER had a late charge, I have excellent credit, I would really  appreciate it if you would look into this 'caller/company ( synchrony bank ) and yes, I do have them as one of my 'payees ' through JC Penny card, but have never had a problem with my account. I feel as if I am being stocked and that they are trying to get info, on MY accounts for their benefit. Thank you.
Product: Checking or savings account

Chase bank let another entity reverse charges that had been cleared for months by myself and then the predator cohersed me into believing that they were the depositors of sudden positive flow in my account and said they would loan me 5000 the same day if I could withdrawal it and send it to them through a XXXX card and I never called or entered the bank and asked to dispute or have any of my past transaction reversed it's supposed to be a recorded line so who did?? not me!! And I was scammed out of over 800 and the fraud protection is a joke you have to do it over the phone I have physical proof that I was online victim and receipts to back it up and no human being to sit with me and explain it all to and submit my proof.. My own bank allowed me to get robbed and claim to be protective!! I was charged for the missing money out of my pocket!!
Product: Checking or savings account

My XXXX check was three days. Usually when my check comes on time, I transfer {$300.00} from my local credit union to cover my ACH automatic with drawls. There is a claim that the US Postal service is late delivering the mail these days, but USAA refuses to acknowledge this as a reason to refund my ACH fees. That's because I am the only person having this problem. I have been making complaints against my local sheriff 's department for unlawfully arresting me and making me a prostitute, and telling on the man that illegally brought me up on a charge that put me in prison and jail, several times. In 2018, USAA did not pay my car payment and cancelled my car insurance, well made it necessary to cancel it. It is no just USAA, but XXXX and XXXX and XXXX, I have filed complaints on them all. I want arbitration, and a chance to allow a mediator to help solve this problem, because it is not my fault. I have no control over when my check comes, especially if people in high places are causing it to be late, because I won't prostitute for  them!
Product: Prepaid card

I am a victim if ID Theft someone called as it was me and had {$1100.00} transferred to a XXXX in XXXX WI netpend states they are no error I informed them that was not me I was a victim of ID theft and needed my money returned they are refusing to give me my money back I have been a customer for 9 years
Product: Debt collection

My daughter was seen at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. She was diagnosed with XXXX XXXX at that visit and I was able to apply for XXXX for her. At the time the bill from XXXX became due in XXXX, she was not in the system with the state of PA yet so XXXX placed her account on a XXXX hold. Before the 30 days were up, in XXXX of XXXX, I got confirmation that she was all set for XXXX and they would cover her XX/XX/XXXX visit. I called XXXX and provided the information to bill. Someone there did not bill the state and instead the bill when to collections. I did not know until I got a notice from Harris & Harris collections in XXXX. I called XXXX back and advised them that I got a collection notice and asked what happened to billing the state of PA. I was advised that the ball was dropped. They pulled the debt back from collections and billed the state of PA. However, Harris & Harris continued to contact me every day by phone. In XXXX I contacted XXXX and advised them that collections was still hounding me. They advised I had no debt and the calls should stop. They didn't. I called XXXX back in XXXX and they reached out to Harris & Harris to advise that there was no debt and cease contacting me. They were contacted by email and phone by managers at XXXX. They still continued to call me. I contacted XXXX  again in XXXX to advise them that Harris & Harris is still contacting me for a debt I did not owe. They advised that the issue has been escalated and they would handle with Harris & Harris. It is now XX/XX/XXXX and I got yet another phone call from Harris & Harris for a debt I do not owe.