23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Chase bank continually back dates ACH transactions so that they can charge me overdraft fees. I make payments to come out the day that I get paid and they always backdate the payment to the day before I get paid. They then charge me {$34.00} for each overdraft fee. They also continually put larger transactions through before smaller transactions so if I do get an overdraft that they can charge me {$34.00} for each transaction evenn if its only {$5.00}. These are predatory practices. I have been suffering severe medical issues lately and they have also taken away my ability to make mobile deposits on my checking account. It is dificult for me to get to the bank to make a deposit there. I believe this is another attempt for them to maximize their overdraft fees.
Product: Mortgage

From the beginning of the pandemic we asked for help. We originally had a loan modification with this company that we asked to be extended because of the pandemic. We actually got XXXX involved but they seemed not to be able to help. We were given a pandemic forebearance where we were told that either we did not have to pay anything or pay what we could. We chose the latter. It was needed because as a XXXX, my wife 's hours had been cut and as a coach and aide my season was cut out and our XXXX building was closed. 
With the pandemic starting to wane, my wife will be getting a raise, and my season is on and once I recover from an incident that was life threatening, I can get back in to the building. I also understand that the company in question settled a lawsuit with my state ( CONNECTICUT ) and others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim these items listed are a direct result of identity theft. Contacted bureaus XX/XX/22 and yet to get a repsonse. 

XXXX and Equifax are in Violation ( ii ) Title V of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 through 6827 ) Accounts are affecting the ability for me to purchase a home for me and my family. 

Equifax XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX BANK XXXX XXXX Account number XXXX XXXX : Account number XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ALSO PREVIOUSLY REQUESTED THAT IF YOU ALL CHOOSE TO INACURRATELY RESCIND OR DENY MY INITIAL REQUEST, THAT YOU ALL SEND COPIES OF PROOF OF MANUAL VERIFICATION METHOD FROM THE CREDITORS. 

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 furnishers of information.

3. The method of communication you used to verify the information As of today, I've yet to get any of this information
Product: Credit reporting or other personal consumer reports

This account from XXXX XXXX XXXX is not a collections account. This amount was covered by medical insurance and has been corrected by the hospital. The balance of {$16000.00} is not owed and this account needs to be completely removed from my report.
Product: Mortgage

a year ago a trial mod was given and extended trial mod payments were applied to XX/XX/2011 mod allegedly which was a gray area, DTI AND NVP were not entertained as asked, ... ..Attorney was not applied as discussed by XXXX, XXXX XXXX XXXX , she said the third party letter of authorization was not pertaining to her, she did not know of XXXX XXXX XXXX that told me she would be my attorney in XXXX Nj and actual never had a office there as they stated as I requested, ... ... .Bar ASSOCIATION gave me a P.A. #, ... ... .Other attorney in XXXX now that was representing me in foreclosure rescue scam. XXXX XXXX, XXXX XXXX was impersonating a Attorney also. she was practice manager /paralegal responsible for $ withdrawl and FEMA fraud XXXX loan trying to acquire free money through fraud. He is no longer aloud to practice law in NJ BUT my real estate issues are not corrected XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I purchased a product called : " TransUnion Report, Score, and 3-Bureau Credit Monitoring ''. I noticed the same day that it was not giving me access to the product after I purchased it and was trying to make me pay again. It gave me my TransUnion Report and Score but not the three bureau credit monitoring. On XX/XX/XXXX, I spoke with an agent and they thought my problem was logging in even though I explained that wasn't the issue. After being on hold they said they couldn't figure it out so they put me on hold again and then put me on with a supervisor. After I explained to the supervisor what the problem was, I heard silence for maybe a minute, then it took me back to the initial prompt you get when you call. The supervisor had hung up on me. I then got an agent online. I gave my information, and explained the problem. The online agent first told me that I had only paid for the TransUnion score and report, but I told them I had the receipt which said " TransUnion Report, Score, and 3-Bureau Credit Monitoring '' and was charged the amount the product costs, XXXX. I provided the order number and date of purchase as well. They then told me that 3 bureau credit reporting and 3 bureau credit monitoring were two different products, and that I would have to pay again to get credit monitoring. I clicked on credit reporting and saw that I didn't get the other two credit reports either. So this explanation made no sense. They didn't offer a refund but when I pressed them I asked for a refund and they gave it to me. They then charged me and issued a refund again for the amount they had just charged me. I was appalled by how deceptive this product was and how they tried to get me to pay again for a product I had already purchased and had a receipt for.
Product: Credit reporting or other personal consumer reports

Ive been trying to dispute some different name variations from my credit report Ive been successful with XXXX and XXXX but Experian is giving me the toughest time Ive explained to them that I only have one name and I need to get the others removed via phone and he basically said theres nothing he can do knowing its incorrect information I only use first and last name for any credit I apply for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a certified letter to the credit bureau disputing errors and unknown accounts that appeared on my credit file. I have waited well over 30 days for my results as informed by The Federal Reporting Act., However i never received any results or validation of these accounts. At the moment the credit bureau is in violation of the law section 601 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously provided XXXX  court documents demonstrating my name was changed from XXXX XXXX to XXXX XXXX XXXX. XXXX  continues to list XXXX XXXX on my XXXX  account, although that name has not been used since the court order. Additionally, I have not applied for credit under the name XXXX XXXX since the court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX
Product: Credit card or prepaid card

I recently applied for the XXXX Visa card issued by Comenity Bank. Even though the bank received my Social Security number and performed an inquiry on my credit file, they are now holding my application unless I send them a copy of my Social Security Card via US Mail, along with my driver 's license and a bank statement or other document. This is everything someone would need to commit identity fraud and I can not believe this bank is allowed to operate in this manner.
Product: Checking or savings account

XX/XX/2020, ,Went To The Bank About XXXX, ,I Know The Bank Was Closed, ,Due To Holiday, ,Anyway Went To Atm, ,To Get Cash, ,It Declined My Card Twice, ,Put In Access Code Twice, ,Card Still Declined, ,I Do Have Overdraft Protection On Card, ,I Do Have A Negative Balance Of {$100.00},,? If I Have Overdraft Protection On Card, ,Why Did My Card Declined Twice?? This Matter Needs To Be Addressed Or Fixed? This Is S UnAcceptable!!! This Matter Has Happened Too Many, ,What Is The Bank Doing About This Matter?? ( Wells Fargo Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking over my credit profile I noticed that there are 5 accounts that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to all Equifax, XXXX, and XXXX regarding removing inaccurate items from my credit report. To date inaccurate information still appears on my credit report. 

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report 1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal government name. 

2. My last employers was XXXX any and all other employers on my credit report should be deleted as I do not work for them. 

3. My current address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit should be deleted as they are not deliverable to me by the United States Postal Service XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband XXXX and I have a loan with South State Bank that matured in XX/XX/2021. While we were in the process of refinancing the loan, the bank reported our account as delinquent to the credit bureaus even though we continued to make our regular payments. 

Then on XX/XX/XXXX the credit bureaus XXXX, XXXX XXXX, and XXXX  reported the account as 30 days delinquent thus triggering a 40 point drop in my credit score and causing other creditors to take negative actions against me. As a result, XXXX has reduced my credit limit to the current balance. 

On XX/XX/XXXX, South State Bank sent us a letter stating the delinquency was reported in error and that they notified the credit bureaus to remove the delinquency. 

However, it's been over 2 weeks and the delinquency is still being reported and nothing has been corrected. 

This delinquency IS AN ADMITTED SOUTH STATE BANK REPORTING ERROR, why isn't the report corrected immediately? We the customer did nothing wrong except choose to give South State Bank our business. South State has been reporting incorrectly for over 5 weeks. What is the consequence to South State Bank? Someone should be held accountable for this egregious incompetence. 

Who will be held accountable for all the unwarranted negative effects we have to suffer through? How will our credit report, credit score, and credit lines get restored and WHY is it taking so long to correct an admitted error?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint stating my credit reports were in accurate. 
XXXX XXXX had reported a first major delinquency on XX/XX/XXXX on my home mortgage to all four credit bureaus. XXXX XXXX investigated and said there was no delinquency reported. I received a copy of all four credit bureau investigations. Three of them had the errors corrected. Equifax did not. Equifax is still reporting a first major delinquency on XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX XXXX explaining that Equifax stills shoes the first major delinquency on XX/XX/XXXX. XXXX XXXX again said they never reported it delinquent. Equifax says it can not change it because XXXX XXXX denies reporting the major delinquency. I have attached the Equifax Credit Report that was sent to me. The error I am disputing ins on the bottom of page 12.
Product: Credit card or prepaid card

This is a complaint made by a consumer natural person. On the XX/XX/XXXX, CAPITAL ONE received my signed payment coupon via certified mail. As authorized representative, I endorsed that bill with my signature and trust account number pursuant to UCC 3-306. HJR 192 of 1933 and 18 USC 8 are my proof that I am well within my consumer rights. I am holder in due course of my trust account and seek to use it properly. I have attached pictures of the original endorsed bill. CAPITAL ONE agents were not trained well enough to understand the terms and laws which allow consumers to defer payments. Credit is the right granted to a debtor to defer a payment, but the phone reps were telling me that credit was a loan given to me which was completely deceptive. They were not equipped to understand what a bill of exchange is. I am simply exercising my full faith in credit but CAPITAL ONE is hindering me from doing so thus making life more difficult.
Product: Checking or savings account

I was victim of fruad went through the fruad department they cleared me of any involvement and reinsured me I wouldn't be liable for the charges to my credit card through Wells Fargo they set me up with new card XXXX account info but then at a later date and time the reinstall the same charges for the fraudulent activity which occurred on my account it's been damaging my XXXX XXXX it was significant amount like XXXX dollars on my credit card and as well. They denied me a refinance loan during the peak of the pandemic which ultimately resulted in the foreclosure and lose on my childhood home which I inherited from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at the time was in the low XXXX and the home had been completely paid out right for from my mother 's life insurance policy after her XXXX  well ultimately resulted in lXXXX XXXX XXXX XXXX  so I have been homeless ever sense XXXX  and the house foreclosures for the ridiculous amount of XXXX $ and they sold the home for XXXX $ and me and my family XXXX loved ones whom rightfully deserved that money and that property were left with absolutely nothing Wells Fargo is by far the absolute worst bank XXXX ever put my trust in or faith that they were a reputable company they ruined my life not to mention that life wasn't already hard enough for me growing up without my mother or parents at such a early age the struggle is beyond words could explain my life 's journey has been completely dismantling and seemingly a total lose I literally have nothing now thanks Wells Fargo
Product: Money transfer, virtual currency, or money service

I am victim of scam. I wire transferred {$20000.00} to XXXX XXXX navy federal acct under false pretenses and fraud. on XX/XX/year> under the instruction from a scammer. Once I discovered that I was scammed I went to Navy Federal to file a claim. Navy Federal did nothing and would not assist in recovering my funds. I was told to make a claim with my bank. My bank requested a wire reversal but Navy Federal has not reach out to my bank. We are still waiting since XX/XX/XXXX. Navy Federal has not responded .The lack of urgency on the Beneficiary bank made in accomplice to the fraud because they failed to protect the victim and they holding an account that is involved in money Laundering. Through my own investigation, I was able to contact XXXX XXXX and he admitted that he received my wire but he took the funds out immediately and transferred the funds to the scammer by purchasing XXXX. Navy Federal has done nothing and has not responded to my bank 's request. Therefore Navy Federal has become an accomplice to this action by doing nothing to resolve and not following their XXXX tolerance Fraud policy. The Navy Federal would not let me make claim because I was not a member even through I had all the evidence. Navy Federal is indirectly assisting in money laundering and criminal activity keeping this account open and allowing this individual to laundered money. Navy Federal did not reach out to my bank when I reported this scam numerous time. Navy Federal is at fault for not responding. I lost over XXXX dollars for this. Yet Navy Federal has not responded to my bank nor to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report i was made aware of a collection that was not opened by myself or any person authorized as myself. This account has no valid or any truth to the matter of its orgin. It should be me researched and delted immediately as this is causing too much stress and anger for being mistreated by XXXX, XXXX, and Transunion.
Product: Credit reporting or other personal consumer reports

I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. 
In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX XXXX XXXX XXXX XXXX, Page17 of 35 14 information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover TransUnion still has NOT PROVIDED PROOF. Please remove the above inaccurate information.
Product: Credit reporting

Opened a bank account at XXXX XXXX was told a few dats later that my account would be closed due to various socials being connected to my account. Was basically told they didnt want to bank with people who committ fraud. Explained to them that the XXXX credit bureaus had my identical triplet sisters who have similar names as me on the credit report. I was told to contact the credit bureaus and get proof they were fixing this issue. Contacted the credit bureaus XXXX, transunion, and XXXX. They stated to me that there was nothing they could do. And that this was not the case. I explained this has been an ongoing issue for years now. I lost my bank accounts due to this error on their part. I have tried and tried to get my sisters off my credit reports as my aliases even explained that we are all different people. I explained that I am married and have not changed my name yet due to having XXXX people on my credit report. I dont want another person added on there. This has ruined my life and is very unacceptable. I can not apply for anything without my sister having access to my peraonal accounts. XXXX is ridiculous. Ive lost so much on this error made by the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX account XXXX first began to go delinquent in or before XX/XX/2011 and is now well past the 7 year reporting rule defined by the Fair Debt Collection Practices Act. I previously disputed this with Transunion, however Transunion continues to report it on my credit report.
Product: Student loan

XXXX XXXX and his goons are accessing mine and countless others ' private student loan information without our prior authorization. This is a violation of FERPA and the 1974 Privacy Act.
Product: Credit reporting or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was marked a duplicate complaint and you said you received the same complaint before. It maybe a duplicate report because my concerns was never resolved! After sending a lot of Dispute Letters, FTC reports, and CFPB complaints these negative items are STILL reporting. I am a victim of identity theft. Please remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items : 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 or other personal consumer reports

I am writing to file a formal complaint regarding a persistent issue of identity theft and the subsequent mishandling of dispute letters by XXXX, XXXX, and Equifax, the major consumer reporting agencies. Despite consistent efforts on my part to rectify the situation, these agencies have failed to comply with the codes and regulations outlined for consumer reports. 

Since XX/XX/year>, I have diligently sent dispute letters to XXXX, XXXX, and Equifax every 30 days, as per the established procedures for addressing identity theft and inaccuracies on consumer reports. Despite these repeated attempts to rectify the situation, I have encountered significant obstacles in receiving the appropriate response and resolution. 

The identity theft I have experienced has not only posed a threat to my financial security but has also resulted in considerable stress and inconvenience as I strive to restore my credit and personal information. Despite my proactive approach in contacting the consumer reporting agencies and providing ample documentation to support my claims of identity theft, the response has been insufficient and non-compliant with the regulations set forth by the Consumer Financial Protection Bureau. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that XXXX, XXXX, and Equifax adhere to the established codes and regulations governing consumer reports. It is imperative that steps are taken to rectify the inaccuracies on my consumer report promptly and provide the necessary support to address the ongoing issue of identity theft. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution to this dispute.