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

Chase Bank, as a matter of practice, backdates their checks to the previous day resulting -- in many more NSF fees to low and middle class account holders that live paycheck to paycheck. Chase has done this about 4 times in the last year to our family. Each time they backed off and reversed the fees, but not after I had to call and then get elevated to a supervisor. The latest incident happened last night. My account balance as of XXXX on XXXX/XXXX/16 was {$28.00}. My wife had a payroll deposit today on XX/XX/XXXX in the amount of {$440.00}. All should be good then, but not with Chase. They took a check for {$120.00} and backdated to XX/XX/XXXX. They covered the check, but charged me another {$34.00} in " NSF FEES ''. This is flat out wrong and many more households are paying the price of bank greed and policies designed to hurt the lower/middle class. Why did n't Chase bounce the check as there was only {$28.00} in the account? I 'm disappointed that these big banks are still targeting the lower/middle class with fees. I 'm asking your agency to stop the practice of 'back-dating '' checks by 1 day as a bank policy. This practice does n't hurt their large depositors in any way, but for the majority of us it does. I would be surprised if " Fee Income '' has n't doubled or tripled in the last 10 years as banks make it a point of many internal discussions on ways to increase revenue and " Fee Income '' is always at the top of the list. Please look into this practice of " BACK-DATING CHECKS ''. I would like the {$34.00} fee credited back to my account. People are hurting and the last thing we need is a practice like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED FRIVOLOUS CREDIT INQUIRIES BY USAA. see attatched. What Why??
Product: Credit reporting

I have disputed with transunion about accounts that did not belong to me and asked for an investigation. The investigation took over 30 days to complete and the results were the same which suggests that the investigation was incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been 30days and I have not received a response from credit bureau about items I have reported that are not mine please remove items.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I successfully completed, signed and notarized a loan modification with XXXX XXXX  in XX/XX/XXXX. In XX/XX/XXXX the loan was transferred to another servicer, Rushmore Loan Management. As XX/XX/XXXX my modification has not been completed. My loan is in limbo and I have been making payments that are not credited to my loan. I call both companies and every day. Rushmore told me today XX/XX/XXXX that they can not get the terms of the loan to match the terms that XXXX sent. Rushmore says XXXX is not responding, XXXX says Rushmore has everything they need. 

Originally, I was told that in order to start the trial modification I would need to pay {$10000.00} prior to the first payment in XX/XX/XXXX. In XX/XX/XXXX I expressed my concern about paying {$10000.00} essentially a down payment that was not noted in the agreement. There was no mention of the {$10000.00} anywhere, I went out of my way to continue to tell XXXX that this didn't seem right. Well my fears are now validated because Rushmore indicates the {$10000.00} is the very reason, they can not process my loan - because the {$10000.00} was not spelled out in the modification paperwork as a down payment - it is essentially showing that I made all the trial payments as a lump sum. 

As of XXXX nothing is resolved and I am still limbo with this loan. It is extremely hard to get anyone on the phone at either company. 

Specifically, I have left messages for the Supervisors at Rushmore, XXXX XXXX and XXXX XXXX but no one cares enough to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX fraudulent XXXX XXXX accounts were opened between XXXX and XX/XX/2023 ( XXXX not sure the exact date as i didn't open them, im giving information based off my credit report ). 
Balances for each accounts are {$2600.00}, {$2500.00}, and {$1600.00}. They were opened using my information, including social security number, address and possibly my personal cell number. I filed a police report, and currently in process of changing my social security number, phone number, etc. I need those accounts removed from being associated with my name on every aspect, whether it's my credit report or something else, and my credit restored back to 750+/ back to normal, as they were opened fraudulently.
Product: Payday loan

Lender sent me a letter Demanding payment in full. They assume I 've been avoiding them and I have n't because they never contacted me to setup a payment plan.
Product: Checking or savings account

I have XXXX checking accounts at Fifth Third ( 5/3 ) Bank for my businesses, XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX ). Since 5/3 services my loan for my XXXX XXXX, I transfer money from my local bank, XXXX, via external account each month for mortgage payments on each of the XXXX loans. On XX/XX/2023, there was an 'account verify ' charge that was deducted from my XXXX account of {$0.00} from XXXX XXXX, then added back. On XX/XX/XXXX, XXXX charges was were deducted, {$2400.00}, then {$2400.00}. This happened again on XX/XX/XXXX with smaller charges, then on XX/XX/XXXX {$1500.00} was deducted for a total of {$6400.00}. It is easy to see the history I have a monthly deposits and monthly withdrawals, only from XXXXXXXX XXXX to 5/3, then 5/3 using the money for loan servicing.
Product: Debt collection

Company is reporting incorrect debt amount I told them that I do not owe this debt and to stop communicating with me and they still continue to do so.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian regarding their failure to respond to my dispute letter. On XX/XX/year>, I mailed a dispute letter to Experian via certified mail ( tracking # XXXX ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 
To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address Despite providing all the necessary documentation, I did not receive any response or investigation results from Experian. Subsequently, I sent another dispute letter to Experian dated XX/XX/year>. Despite my clear and thorough request, I did not receive any response from Experian with investigation results. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Experian has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my disputes. 

I am including a copy of the dispute letters I sent to Experian to support my claim.
Product: Credit card or prepaid card

I have exceptional payment history with Citibank I opened up a secured credit card and was told if I kept my balance is low and paid on time I could upgrade after 12 to 18 months. I always pay my balance off every month never missed a payment when it came time to give me my deposit back and upgraded me to an unsecured card I was told that they would not be graduating me but never given a reason why I did everything perfect with this card like they told me to do in order to graduate to another card I feel like they missed lead me. Also my last payment of {$190.00} my bank released and city is saying they did not receive it but it showing posted on citi Account. I paid my balance in full and they are not giving me any credit its staying XXXX. Please help me.
Product: Debt collection

I began receiving phone calls in relation to a debt I do not believe I owe, for a hospitalization in 2014 for which I had already paid the ER bill. The debt collector would not provide me with information about what the debt was from, specifically. I was afraid that they were not a legitimate debt collector, and I did not know where the debt from from. I therefore sent them a letter on XXXX XXXX, after many harassing phonecalls but NO mail received, asking them to contact me via mail and provide me with the following, as they are obligated to do under FDCPA section 809 : What the money you say I owe is for specifically, with a breakdown of charges and the bill from the original debtor ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor specifically, not the umbrella term of " XXXX XXXX '' as I have called both branches of XXXX XXXX to no avail ; Prove the Statute of Limitations has not expired on this account ; Provide me with your license numbers and Registered Agent. 

It is not XXXX XXXX and I have not received any of this information from the credit agency, Optimum Outcomes. I have called XXXX XXXX and verified that my ER bill is paid. I am now being declined for loans and credit cards because of the negative impact Optimum Outcomes has made on my credit report while trying to collect a debt that they refuse to even provide information for.
Product: Debt collection

As I am trying to prepare my credit to apply for a civil service job, preparing to start a business. I also plan to purchase a home very soon. In this process I found this debt and has been trying to get it removed from my credit file. This account is being reported to Equifax and XXXX.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A 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 or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Reference # XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Bank of America contravened a deposit to my checking account ( refund XXXX XXXX ) Keeping my actual money ( cash and a debit card, not questionable lending practices involving people that can't read contracts )
Product: Debt collection

After pulling a copy of my credit report I notice that this collection agency is reporting 3 accounts on my credit report on my credit report.

1. Act # XXXX 2. Act # XXXX 3. Act # XXXX I send them a letter disputing this claim and send it with tracking receipt XXXX XXXX XXXX XXXX XXXX XXXX. I requested that they send me any agreement that grants them the authority to collect. Or any proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC.13401.  APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. I also asked that they send me copies of any agreement that bears my signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. In which they have failed to send me these items and still reporting on my credit report. I am not at all refusing to pay I only send as a notice of dispute to the claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a copy of my credit report from all three credit bureaus. When I received the report from 2 of the 3, I saw that they had some false information on it so I wrote my first dispute letter requesting documents they had to validate these debts. Some of the items were removed and others werent. The item Im referencing now is with a collection agency called XXXX XXXX XXXX. It was for a school that I never attended. I have asked for proper documentation with two different dispute letters but the credit bureaus nor the collection agency will comply. If they cant provide me with documentation of this debt then it needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an inquiry alert from Experian regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from XXXX. I contacted XXXX card services @ XXXX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir i have my account on XXXX XXXX XXXX I try to access one free cibil report. But when i try to login then it gives an error that my password has been wrong. 

When i try to forget it using password forget link. Then it show that password reset link has been successfully sent on my registered email id. 

But there is no email still received in my email account yet. 

I try to forget it many times using web portel and also XXXX  app but still no email received. 

I also complain in customer helpline email. But still no response. 

Please solve my problem as soon as possible. 

Thankyou Registered email id XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i applied for a XXXX XXXX credit card i was approved for XXXX limit so upon waiting for my card to arrive i never receive my credit card after some time has gone by i contacted XXXX XXXX letting them know i didn't receive my card they said they will cancel it and send me out a new card, now we are in XXXX i never received the new card i contacted chase regarding the new card they sent me that it never arrived they then at that point me told me the account has been canceled because there is a {$6000.00} limit on the original card that i ever received and not 1 time did chase let me know that someone activated the previous card so therefore i filed an identity theft report and sent it to chase i also have an ongoing lawsuit against chase for trying to make me responsible for a debt and card that isn't mines and now Equifax  is reporting a fraudulent account on my report which i need this account removed permanently from my credit report or i will file a lawsuit against equifax
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to SHELLPOINT MORTGAGE XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I JUST DISCOVERED THE OPEN COLLECTION AMOUNT ON MY CREDIT REPORT. I SPOKE TO THE DEBT COLLECTION COMPANY ( SPOKE TO XXXX XXXX ) AND TOLD THEM I HAD INSURANCE AT THE TIME OF THE TEST. I TOLD THEM TO CONTACT THE CREDITOR, XXXX XXXX XXXX, BUT THEY REFUSED TO CONTACT THE PROVIDER. I JUST SPOKE TO THE BILLING AREA OF THE PROVIDER ( TO WHOM I PRESENTED A VALID HEALTH INSURANCE CARD TO AT THE TIME OF SERVICE IN 2021 ), AND THEY INDICATED THEY WOULD FOLLOW UP AND CORRECT IT. THE PERSON IN THE BILLING AREA OF THE SERVICE PROVIDER GOES BY THE NAME OF XXXX.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I submitted payment for my California XXXX reneeal tags to a company out of XXXX XXXX to expedite their service in 1-2 days. I received immediate confirmstion by email of my payment. On to two weeks passed still no tags. Im drivinf around with no current tags for over 6 weeks now. Made numerous calls, emailed the company but never could get a hold of them. I went to the XXXX office to ask what to do. They advised me to have my credit card company file a claim because just with my receipt from that company they werent able to issue me my tags because they did not receive payment from that company. 
I reached oit to XXXX XXXX. This is where the real nightmare began. They filed a claim on my behalf but stated that i didnt authorize payment. Which was untrue. They just didnt listen. So after submitting my documents to them i was denied my claim and they sided with the merchant. I asked for copies of the documents to support their decision. Never received them. After calling 3 xs a day and being disconnected 2 out of 3 times unexpectedly with over an hr wait. XXXX agreex to open another claim for services not rendered. So they say. XXXX comes around and its 3 months now im taking the risk to drive to necessary places without my current tags. I had enough saved to pay cash to XXXX for tags I had already paid in XX/XX/XXXX but never received. I submitted my receipt to XXXX showing that the merchant they sided with never paid XXXX  and kept my $ XXXX. 
I still never got a response back from XXXX XXXX.i cant afford to pay twice for tags. I continue to call XXXX who says they will be sending out documentation that they received from the merchant that services were rendered. And to check my email. Nothing. XXXX has sent nothing to me because there is no evidence. This company straight out kept my money and XXXX XXXX did not investigate lime they should have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX BMW FINANCIAL SERVICES XXXX XXXX XXXX XXXX, OH XXXX
Product: Student loan

On XX/XX/XXXX I made a call into Navient to try and lower my payment but was not given any options outside of forbearance. I attempted to explain that I had paid {$92000.00} on my loans to date over the course of ten years and yet still owe them {$83000.00} to which I was given the reply, " Well, that is because your interest is accruing daily and you are on a variable interest rate loan. If you start making extra payments per month, your amount owed will decrease. '' I tried to explain, THAT'S THE PROBLEM! I can't continue to make a {$770.00} per month payment every month, especially knowing I am not even hardly touching my principal! I am XXXX and need to move out of my parents house as they are retiring soon but can not because I can not afford rent with this type of payment. My 3 largest loans are at variable 10.5 % interest rate and continue to go up every year, if not every 6 months, making them practically untouchable when I make a payment every month. I feel as though I will never get out from under this and they are not willing to budge either. 

Back in XX/XX/XXXX, I did remove the majority of my Federal Loans from them and consolidated them with XXXX XXXX, removing {$10000.00} of the debt from Navient ( if I hadn't done that, I'd still owe Navient over {$93000.00}, having originally borrowed around {$110000.00} ) How are these types of loans even allowed to consumers? I feel as though I have signed my life away, with no end in sight to this debt. I have paid faithfully since graduating in XX/XX/XXXX and have NEVER, EVER missed a payment. And when I started paying the loans back in XX/XX/XXXX, I was advised by my school to sign up for interest only payments as that was my lowest possible payment option ( around $ XXXX/month ) right out of school. I did that for 4 YEARS! It got me nowhere but into more debt! And Navient continues to push this option, which is robbery. They push only forbearance and interest-only payment options, offering nothing else to me. 

I am hoping the CFPB will investigate as to whether my payments are even being allocated correctly, because I find it astounding that I have paid Navient over {$92000.00} over the course of ten years and yet still owe them {$83000.00} at the moment. How can they do this?