23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed an account with Commerce Bank due to identity theft and fraud. I provided an FTC Identity theft report on XX/XX/XXXX and requested protection under the 4-day blocking rule. 

Commerce Bank has been exceptionally rude about this situation. They are very well aware they are operating outside of the laws. Further, this account lists 24 months of late payments yet the last payment was XX/XX/XXXX. 12 months is not 24. 

All Commerce Bank has attempted to twist my own words against me. They have continually failed to perform a competent investigation. I requested supporting documentation related to their alleged investigation and none has been provided. 

In addition, On XXXX Commerce Bank received a debt validation letter. They were even notified after a week that no response had come. 

Now it is beyond the 30-day requirement for a response. CB has failed to respond to this formal legal demand. CB is still reporting this debt to XXXX knowing it is invalid, illegal, and disputed to the fullest extent. They have no issues breaking the laws. 

I spoke with a representative named XXXX XXXX today on XXXX. I asked, " How do I get legal compliance? '' XXXX XXXX said, " You don't. '' I said, " May I quote you on that? '' She replied, " Yes.  '' Am I the only one who finds that completely rude, illegal, and unprofessional? 

XXXX XXXX and Commerce Bank need a serious reality check. They are not above the law as they believe. I am requesting this invalid information removed from my report immediately. 

Attached please find the FTC identity theft affidavit and debt validation letter. They are dated XX/XX/XXXX and XX/XX/XXXX. If CB wanted to continue to post invalid information they should have made an attempt at validating this debt as required by law. 

CB 's time is up. I have shown more than sufficient proof of why this debt needs to be deleted to be in compliance with the laws.
Product: Credit reporting or other personal consumer reports

I have submitted multiple complaints to Transunion regarding a Bankruptcy that is reporting on my credit report. Transunion refuses to remove inaccurate addresses which is a violation of 15 USC 1681 despite being sent proof of the correct information along with proof. This bankruptcy needs to be removed as well. They received their information from a third party vendor without checking the accuracy the accounts which I know because the courthouse that is listed does not share information with the credit bureaus. These are violations of 15 USC 1681 and Sections 609 & 623 of the FCRA.

Upon reviewing my consumer file, I have identified inaccuracies and inconsistencies that fail to meet the legal standards of completeness and accuracy under 15 U.S.C. 1681e ( b ). The law mandates that all information contained within a consumer report must be reported with the " maximum possible accuracy, '' and any deviation from this requirement is a clear violation. Furthermore, under 15 U.S.C. 1681c ( a ), obsolete information or data that does not comply with statutory limitations can not be legally reported.

I demand an immediate and thorough reinvestigation of my consumer file under 15 U.S.C. 1681i ( a ) ( 1 ). If TransUnion can not verify the disputed accounts beyond a reasonable doubt, they must be deleted without delay per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Simply " parroting '' information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with XXXX for my Wells Fargo Home Mortgage account ( late XX/XX/2022 ). During the dispute investigation, the creditor was not honest and decided not to change or correct my account balance to reflect paid in full. Because, my account balance was Paid In Full before and during the dispute investigation. After reviewing the XXXX dispute results dated XX/XX/2022, I called the creditor and they refused to accurately update my credit report. And the creditor rep told me to contact XXXX to clear this matter up. So, I immediately called XXXX and they said ; I can try to upload documentation proof for the dispute or mail the proof to their po box ( which would take several weeks to process ). I tried uploading the documentation and it was not accepting my numerous submissions.
Product: Checking or savings account

I am a US Veteran so I reopened a checking account with USAA. I was transferring money from my old account with XXXX XXXX into my new account with USAA. I had set a transfer for {$180.00} to move from XXXX XXXX into USAA, but before the payment could be withdrawn and moved over, there was an insurance payment that came out of my XXXX XXXX account on the XXXX if XXXX that wasnt supposed to come out until the XXXX of XXXX. So because of this transaction the money that was set to transfer over got denied by USAA and they charged me a {$5.00} return fee. Then without a call or anything they closed my account and tried to call it fraud. I tried exposing to everyone I could about what had happened but no one is listening to me. The refuse to allow me access to my money and Ive been told that it will be up to XXXX XXXX before I will be sent a cashiers check with my money. I ca not go XXXX XXXX without my money. I need my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
{ dispute_item_and_explanation } Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX  my bank credit card was charged for a XXXX purchase of {$36.00}. This purchase is valid. On the same date and time my bank credit card was also charged {$200.00} by a XXXX XXXX XXXX XXXX XXXX This transaction was not authorized. The XXXX employee charged my charged my card on his personal cell phone after he charged my card for the XXXX purchase. I disputed this charge with my bank where they gave me a provisional credit back to my account. I was then notified via letter that my bank denied my dispute stating it was an authorized transaction and withdrew their {$200.00} provisional credit. On XX/XX/XXXX I want to the bank and spoke with an employee who was able to print my transaction history showing both purchased were done at the same day and time. She said she would reopen the dispute on XX/XX/XXXX. After I left the back onXXXX I went to the XXXX location to see if I could handle this issue civilly. The XXXX manager told me I needed to file a police report as I'm not the fist victim this happened to and there is already an investigation into this now terminated employee stealing customers money. My bank should of done their due diligence as it clearly shows on my account both transactions were done on the same day and exact time.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I received a cashiers check for {$1900.00} from a customer who wanted to purchase used appliances I was selling on XXXX XXXX. I deposited the cashiers check online through my Bank of America app. The next morning, I was surprised to learn that BOA had given me access to the funds. I was then asked by the customer to transfer {$900.00} through XXXX, a money transfer tool BOA endorses on its websites and my accounts. The transfer was to the alleged delivery person who was supposed to pick up the appliances. That evening, once the transfer was placed, I receive an erratic text message from the customer telling me he changed his mind. It raises red flags because he started hurling accusations at me and threatening me. I immediately contacted BOA, the local police and the FBI to report the incident, which turned out to be a fraudulent scam. Ive tried working with BOAs Fraud and Recall Departments and have been told I am solely responsible for the scam, that its essentially my fault, because I used XXXX and authorized it. Its been a month now and even though no resolution was attempted, I receive an email on XX/XX/XXXX from BOA telling me that the account that was affected, my checking account has been closed, thereby closing the investigation. Through this one-month period, aside from being blamed for the transaction, Ive had the BOA fraud department put a hold on my savings and checking accounts on a Friday evening, right before XXXX, when the banks closed. I then received a phone message around that time informing me of this decision. I didnt have access to any money, debit cards or credit cards for three days, including that weekend. I went to the local BOA and was told there was nothing they can do, and I called the customer service line with no luck. I had no cash or credit on me whatsoever, and a XXXX year old son who was spending the weekend with me. Also, I was told they would start an investigation and then told no, they wouldnt because they cant force the receiver of the funds to reimburse me. All along, Ive had multiple BOA agents and managers tell me it was my fault that I authorized this transaction. I dont use any online money transfer tools to make payments, but since BOA endorsed XXXX on its website and its app, I believed the transaction would be carried out in good faith and due diligence. As guardians of my money, BOA has a duty to protect me, their customer for 21 years. I want this situation resolved by being reimbursed the {$900.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i sent a dispute to TRANSUNION withing the CFPB to dispute XXXX XXXX XXXX being on my credit file. I received response on XX/XX/year> which is over the XXXX  days required to receive response anyway. In addition to that I did receive a response that stated that both XXXX XXXX XXXX accounts X XXXX ( both ) on my file would be removed/deleted from my TRANSUNION credit file. It has still not been removed and still reporting. I have screenshot of the dispute where it States that both XXXX XXXX XXXX accounts will be removed from my credit profile.
Product: Mortgage

My name is XXXX I applied for a mortgage loan with this company months ago. 
Loan Velocity XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX And after being preaproved, my emails were ignored, it wasnt until I mentioned cfpb that they replied, their loan officer XXXX XXXX asked me during the preaproved process for evidence of my bank funds which was confidential information from a personal injury claim settlement that I had, he even asked me for the attorney in my personal injury case letter even though I explained that was confidential information, he stated that his underwriter need it, and that was not legal practice I contacted his boss and owner XXXX and he promised over the phone to withdraw my application, weeks after he promised I sent them an email to know the status and still my application with my docs was not withdrawn I need you to investigate this people and order them to delete my confidential information, thats not proper what they did and I dont want my confidential info to be shared or sold please make sure these people dont do this to anybody else.it seems that they were just using my info to meet their quota of loan processing just based on false promises and confidential info requests that were not needed or allowed. 
Thank you for your assistance.
Product: Debt collection

I paid a debt. The judge marked fileit as PAID. Plaintiff requests XXXX XXXX. I filed response. XXXX attached my filings and motions and cross complaint/counter suit. 

The false statements and representations were made in the XXXX and the stipulation of settlement agreement. 

XXXX asked XXXX XXXX and I to engage in mediation. Contract was created to begin repaying the reduced debt. XXXX payment given in advance of start date with clear instructions based on start date stated in contract starting the debt repayment. to Attorney after getting a contract inked up for a start date of XX/XX/2016 for XXXX payment. Attorney goes against agreed start date for XXXX repayment and inception
Product: Checking or savings account

I saw unauthorized wire transfers pending on my account, immediately called Chase fraud to report these were NOT mine. Then went into Chase bank branch in XXXX XXXX AZ, they advised me to proceed with having the account comprised and opened new account. I asked them at the time if they could notify the bank where the funds were going and alert them that the transactions so they could freeze the funds and alert the bank these were illegal transactions They told me no got on the phone with the fraud claim department to alert them and then I was supposed to receive forgery packet in the mail. I asked at that time if i should file a police report they said NO I just needed to wait for the packet in the mail. I then went to a different branch and spoke with a branch mgr XXXX XXXX who got on the phone again with the fraud dept. they said yes file a police report and I immediately contact dept and filed report with XXXX XXXX XXXX I got the police report, identy theft report and brought into XXXX XXXX branch to fax to fraud dept. Didnt receive anything in the mail from Chase and while there banker helped me to get form needed to file the fraudulent wire transfers. Banker faxed the forms necessary and signed faxed to fraud claims. 
I received zero communication from the fraud department at Chase. 
I then filed a complaint with CFPB against the receiving bank on the fraudulent wire transfers. I received a response form the banks senior vice president saying they received no recall from Chase. This has been a horrific experience and very stressful. Have had to contact XXXX XXXX  because I have been XXXX XXXX XXXX. I have been put on XXXX, but Chase fraud and their investigators have done NOTHING to help retrieve the stolen funds. After receiving the response from XXXX XXXX XXXX that received nothing from Chase on the recall of funds I went into Chase branch again to have them fax the letter from receiving bank to the fraud department. This has been complete negligence on Chase and I will be seeking legal counsel to retrieve my stolen money. I can't believe how they have just swept this under the rug but I guess they do NOT care about their customers nor illegal activity. DISAPPONTED completely on Chase fraud claims system and their investigators and this process. 
-On XXXX XXXX unauthorized illegal wire transfers were made XXXX and XXXX Chase could have alerted the receiving bank and froze the accounts they were going to/ Chase has done NOTHING as far as I can tell. My account was credited for XXXX today from XXXXXXXX XXXX but waiting for the XXXX other wire transfer to be returned. Truly disappointed thought my money was safe with Chase but obviously NOT
Product: Debt collection

they are sending me a letter stating i own money for a XXXX XXXX XXXX and i never has a account with XXXX XXXX XXXX they are asking for XXXX
Product: Student loan

I graduated top of my class from the XXXX, XXXX XXXX XXXX XXXX, XXXX, 2012. I heard recently about the lawsuit against XXXX under Predatory loan coercion.from CFPB. The XXXX XXXX has been shut down. Even though they promised job placement in XXXX, I never received it through them. I 'm having a hard time making my loan payments because I do n't have a full-time XXXX job. I did get a delay in my XXXX payments, but now they are charging me more interest for this delay.which they did not stipulate I still owe over {$9000.00}. in loans through XXXX and XXXX loan programs. I started out owing over {$18000.00}. to XXXX so I have been earnest in in my responsibility to pay this debt. 
Is there anyway I can receive loan forgiveness or reduction from this lawsuit? I would like to know my options for a XXXX Discharge for XXXX misrepresentation of their job placement promises. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is refusing to delete /Remove my paid in full accounts XXXX XXXX accounts reported in different areas on my XXXX  credit report even after the company stated the accounts are being removed because the accounts are paid in full and being reported in different area on my XXXX  report as a potentially negative account which is wrong and it must be corrected. The company XXXX XXXX advised that the Three credit bureaus would be notified. However XXXX XXXX Transunion, XXXX XXXX and XXXX XXXX is refusing to remove the multiple paid XXXX accounts from my credit reports listed above. This is also with my XXXX accounts being reported in different areas on my credit profile being reported with the account mutiple times that's paid, XXXX XXXX XXXXXXXX, XXXX and XXXX XXXX XXXX XXXX These accounts are reported more than once in different areas on all three credit reports.
Product: Debt collection

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.
Product: Student loan

I received a Perkins loan during my XXXX studies for {$1400.00}. I graduated in XX/XX/2020, and have been receiving paper reminders of the due date for the first payment for several months, which was supposedly in XXXX. I received my XXXX bill and paid {$100.00} on the loan ( the amount due was {$40.00} ) which is shown on my payment history with a date of XX/XX/XXXX. Shortly thereafter, I received a letter from XXXX stating that I would no longer be receiving bills from them for the time being due to pandemic and that they were placing my loans in forbearance. Since I am no longer receiving bills, I now have to either send them a loose paper check or money order with no accompanying billing slip, which is extremely unsafe, or pay online via ACH, debit, or credit, for which they charge ridiculous and unnecessary processing fees. I would like to add that interest is still accruing during this period, so I am essentially being forced to pay an extra fee to pay my student loan bill or face the accrual of extra outstanding interest under the guise of XXXX relief. The method with the cheapest processing fee I was able to choose is {$1.00} to pay from my checking account via ACH, as the other options included fees that were 3.95 % of the total plus {$1.00}. This practice is absolutely unacceptable and I am surprised this company has been allowed to do this unchecked.
Product: Credit card or prepaid card

XXXX credit card ( chase ) was close because of a late payment, I would to see if I can open this card again
Product: Credit card

I have received several emails from this company, Fortiva, about a credit card that I did not open. They are now indicating that charges were made on the credit card and that I have a payment due. On XX/XX/XXXX, I informed the company that this was not my account and requested that they send a notice to me with verification that this was a valid account. I received no response. I filed disputes with XXXX and XXXX on XX/XX/XXXX.
Product: Mortgage

I have been trying repeatedly since XXXX to have my name added to the account for the mortgage on the home I XXXX  from my XXXX mother so that I could communicate with the mortgage holder, NewRez ( formerly XXXX Mortgage ). I always send them what they ask for and they never follow through. I live in fear every day that something will happen and I will lose my home because of NewRez 's refusal to speak with me about my account. It has already cost me my homeowners insurance policy and I am now forced to purchase a fraction of the coverage needed through NewRez for triple the cost ( or more ). I recently engaged an attorney to help me resolve this and learned that NewRez is in violation of the XXXX XXXX XXXX XXXX XXXX by not allowing me to assume my XXXX  mother 's mortgage. The attorney sent a letter to NewRez concerning this violation which they ignored. I make the monthly mortgage payment and I pay the annual property tax. My name is on the deed and the property tax statement. 

At a minimum, I have provided the required documentation to NewRez on the following dates. There are more but these are the ones I have at my fingertips : XX/XX/XXXX ( XXXX Mortgage ), XX/XX/XXXX ( NewRez ), and XX/XX/XXXX ( NewRez, after which my insurance company cancelled my homeowner 's policy on XX/XX/XXXX ),
Product: Checking or savings account

On multiple occasions money was taken from my account outside of the arrange schedule leading to money being paid for overdrafts etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/2021 for XXXX XXXX XXXX Account # XXXX and it was not investigated properly. I demand a proper investigation or the removal of the account above mention
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this today in regards to XXXX XXXX  Account # XXXX, I have reached out to the bureaus along with XXXX  XXXX  to get more information about the reporting which seems inaccurate. I have gotten no response. I will list the issues below and then include a copy of the report. 
1. Date opened is not consistent 2. Date of last payment is not consistent 3. Date of last activity is not consistent 4. Date of first delinquency is not listed 5. Date closed is missing 6. Payment status is not consistent
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not log into the MyEquifax site. ( https : //my.equifax.com/ ) Error message provided every time is " We are temporarily unable to complete this request. '' I called them and went through some troubleshooting processes with no luck. They told me to try again later. Its been a week and its still giving me this error.